BUFFALO, N.Y. (AP) _ Marine Midland Bank has laid off 412 workers, or about 3.7 percent of its staff, as part of a corporate restructuring.

The jobs cut, which took effect Tuesday, include corporate and regional staff across New York state. The bank employs about 11,000 people.

The Buffalo-based bank's operations have been reorganized into three categories: regional banking, commercial lending and consumer finance. The three departments will handle operations that were previously dealt with by 10 different sections, bank officials said.

''We tried to spread the misery so that no one region or business would be hard hit,'' said spokeswoman Mary Jo Jacobi.

The New York state regional bank has been in the midst of a lengthy restructuring program aimed at turning Marine into a smaller and profitable bank.

''It has been our top priority to create the appropriate structure for Marine's businesses as part of our game plan to return the bank to profitability,'' said John Bond, Marine's president and chief executive officer. ''Unfortunately, one result has been the elimination of a number of positions. These actions, though difficult, are absolutely essential to Marine's future viability.''

Marine Midland has assets of $17.1 billion.