OK, what I'll check are the size of the Fuses in the Disconnect on the Primary side, and if they are within the 125% of the XFMR's rating, I should accept the 2 - 100AMP Panels then. Sounds like if there was an Overload, the Primary fuses would go, to protect the Transformer. There are other Electric utility rooms in the same Building, with similar situations, but the key would be those fuses in the Primary side. Code wise, but not practical, there could be 4- 100AMP Main Breaker Panels on the secondary, as long as the Primary fuses are correct? Good Weekend