Likening himself to a "farmer" who "plants" ideas, new Finance One CEO Don Winkler is out to grow a national consumer finance company for BANC ONE.

A new subsidiary of Banc One Diversified Services Corporation has been created to propel BANC ONE's already successful consumer finance business into a national company with multiple product lines.

The new "Finance One" subsidiary will be led by Donald A. Winkler, a top bank executive who spent years in Europe heading Citicorp's global consumer banking and international funds transfer operations.

As president and CEO of Finance One, Winkler will oversee nationwide efforts to explore new acquisitions and new lines of consumer finance business.

Al A. Alaimo, president of Banc One Financial Services, Inc., will report to Winkler. "Finance One builds upon a foundation of success thanks to Al Alaimo," Winkler said.

Winkler added that he'll work to add to that success while maintaining the company's superior 3.6% return on assets, twice the industry average.

"Al had a vision 18 years ago to create a leading consumer finance company and he's done it. Just like the successful McDonald's franchise, Al's company is consistent, reliable, and top quality.

"Finance One will springboard from that success into a national arena, Winkler said.