Charlotte H. Cooke has been elected president of the Independent Insurance Agents Association of Montgomery-Prince George's Counties. She is vice president of Cooke Insurance Agency Inc. of Silver Spring.

Edward J. Zimmerman, former assistant general counsel for Blue Cross and Blue Shield of Indiana, has joined the American Council of Life Insurance as assistant general counsel for state relations.

Frank L. Hewitt Jr., chairman and president of Citizens Savings and Loan Association Inc. of Silver Spring, has been appointed to the 1981 advisory committee on state legislation of the United States League of Savings Associations. W. Clifton Williams, secondary marketings officer of Equitable Savings and Loan Association of Wheaton, was appointed to the 1981 installment loan committee of the S&L association.

Richard K. Yowell, former president of the Second National Bank in Culpeper, Va., has been named director of the community bankers division of the American Bankers Association.

William Schreiner, former vice president and actuary of Colonial Penn Life Insurance Co., has been named associate actuary at the American Council of Life Insurance.

Carroll W. Owens Jr., vice president and co-manager of the options department for Johnston, Lemon & Co. Inc., has been appointed to the options committee of the National Association of Securities Dealers