PROVIDENCE, R.I. (AP) _ The state closed Heritage Loan and Investment Co. after a four-day run drained the embattled privately insured bank of more than half of its deposits.

The state, which was awarded temporary receivership of Heritage on Sunday, within hours announced it would shut the bank for an indefinite period while investigators comb through its jumbled records.

One depositor, Paul Calenda, said he had been summoned before a statewide grand jury investigating reports of millions of dollars of bogus loans. Calenda, who signed sworn statements last week that he did not take out the loan listed in his name, told The Providence Journal-Bulletin he was to appear before the grand jury Tuesday.

Meanwhile, the bank's president and controlling stockholder, Joseph Mollicone Jr., remained missing for a 12th day. State police and the attorney general's office were looking for Mollicone as part of an investigation into the bank's problems.

''I don't know where he is. I don't know if anybody else does,'' Gov. Edward D. DiPrete said Sunday. ''I have to believe somebody would be interested in talking with him.''

Superior Court Judge Robert Krause on Sunday named Fred J. Franklin, director of the state Department of Business Regulation, the bank's temporary receiver.

There is ''certainly a significant amount of money missing from the bank,'' Franklin said.

About $13.6 million of Heritage's $22.4 million in deposits were withdrawn in four days last week. The Rhode Island Share and Deposit Indemnity Corp., which was partially depleted by the run, said it would be able to cover the deposits when Heritage reopens. State officials did not know how many customers would be affected by the closure.

''While we will strenuously attempt to minimize inconvenience to Heritage customers, we feel that a temporary closure of the institution will enable us to be more responsive to depositors in the long run,'' DiPrete said.

The indemnity corporation took control of Heritage on Oct. 18 after finding the bank's records in such disarray it could not determine its financial health. The corporation normally reviews bank records every 15 months but had allowed Heritage to go three years without an inspection, said Peter A. Nevola, RISDIC president and chief executive.

He could not explain the lag.

The insurer, which has repeatedly assured depositors that their money was covered up to $500,000, pumped about $16 million into the bank to keep it afloat.

On Friday, the board voted to reassess its members and bring in additional funds, he said. The insurance fund has assets of about $25 million, and insures $1.6 billion in deposits at 35 credit unions and 10 banks in Rhode Island.

Heritage's failure was ''the direct result of alleged malfeasance on the part of management of this particular institution,'' Nevola said.

The bank had claimed loans and other assets of $23 million. But an affidavit that declared Heritage insolvent, filed by the state in Superior Court on Friday, said the bank had up to $13 million in bogus loans.