stoneham savings bank

							THE BANKING MARKETS IN WHICH EACH BANKING AND THRIFT ORGANIZATION OPERATES
                              As of June 30, 2006

 ADAMS CO-OPERATIVE BANK                          Rockland
     Pittsfield (MA)                              Springfield (MA)
                                                  Torrington
 ANDROSCOGGIN BANCORP, MHC                        Waterbury
     Bath
                                                  Waterville
     Farmington
                                                  Worcester
     Lewiston
     Paris-Norway                             BANK OF EASTON, A CO-OPERATIVE BA
     Portland                                     Boston
 AROOSTOOK COUNTY FEDERAL SAVINGS             BANK OF FALL RIVER, A CO-OPERATIVE
     Presque-Isle-Caribou                         Boston
                                                  Fall River
 ASSABET VALLEY BANCORP                           New Bedford
     Boston
     Worcester                                BANK OF NEW YORK COMPANY, INC., THE
                                                  Fairfield Area
 ASSOCIATED COMMUNITY BANCORP, INC.
     Fairfield Area                           BANKERS' BANK, NORTHEAST
                                                  Hartford
 ATHOL SAVINGS BANK
     Boston                                   BANKFIVE, MHC
     Worcester                                    Fall River
                                                  New Bedford
 ATHOL-CLINTON CO-OPERATIVE BANK
     Boston                                   BANKMALDEN, A CO-OPERATIVE BANK
                                                  Boston
 AUBURN SAVINGS AND LOAN ASSOCIATION
     Lewiston                                 BAR HARBOR BANKSHARES
                                                  Bar Harbor
 AVON CO-OPERATIVE BANK                           Blue Hill
     Boston
                                                  Ellsworth
 BANCO COMERCIAL PORTUGUES, S.A.                  Machias
     Fall River                                   Rockland
     New Bedford                              BAR HARBOR SAVINGS AND LOAN
     Springfield (MA)
                                                  Bar Harbor
 BANCORP RHODE ISLAND, INC.                   BARRE SAVINGS BANK
     Providence
                                                  Worcester
 BANGOR SAVINGS BANK                          BATH SAVINGS INSTITUTION
     Augusta
                                                  Bath
     Bangor
                                                  Boothbay Harbor
     Belfast
                                                  Damariscotta
     Blue Hill
                                                  Portland
     Calais
     Ellsworth                                BAY STATE SAVINGS BANK
     Farmington                                   Worcester
     Guilford                                 BEACON BANCORP
     Houlton                                      Boston
     Lewiston                                     Providence
     Lincoln                                  BEACON FEDERAL FINANCIAL SERVICES,
     Machias                                      Boston
     Millinocket
     Pittsfield (ME)                          BELMONT SAVINGS BANK
     Portland                                     Boston
     Rockland                                 BENJAMIN FRANKLIN BANCORP, INC.
     Rumford                                      Boston
     Waterville
 BANK OF AMERICA CORPORATION                  BERKSHIRE FINANCIAL SERVICES, INC.
                                                  Pittsfield (MA)
     Augusta
                                                  Providence
     Bangor
     Bath                                     BERKSHIRE HILLS BANCORP
     Boston                                       Pittsfield (MA)
     Cape Cod                                     Springfield (MA)
     Concord                                  BEVERLY FINANCIAL, MHC
     Fairfield Area                               Boston
     Fall River
     Hanover-Lebanon                          BEVERLY NATIONAL CORPORATION
     Hartford                                     Boston
     Keene                                    BIDDEFORD SAVINGS BANK
     Lewiston                                     Portland
     Manchester (NH)
     Nantucket                                BORDER BANCSHARES, INC.
     New Bedford                                  Augusta
     New Haven                                    Bath
     New London (CT)                              Waterville
     Newport                                  BOSTON PRIVATE FINANCIAL HOLDINGS,
     Portland                                     Boston
     Portsmouth                               BOSTON TRUST & INVESTMENT MANAGEMEN
     Providence                                   Boston
BOW MILLS BANK AND TRUST              CHITTENDEN CORPORATION
    Concord                               Barre Montpelier
BRIDGEWATER CO-OPERATIVE BANK             Bath
    Boston                                Bennington
                                          Boston
BRIDGEWATER FINANCIAL, MHC                Brattleboro
    Boston                                Burlington
BROOKLINE BANCORP                         Concord
    Boston                                Hanover-Lebanon
                                          Keene
BROOKLINE CO-OPERATIVE BANK               Lewiston
    Boston                                Manchester (NH)
BULTER BANCORP, MHC                       Manchester (VT)
    Boston                                Middlebury
                                          Morristown
CALAIS FEDERAL SAVINGS AND LOAN
                                          Newport
    Calais
                                          Portland
    Machias
                                          Portsmouth
CAMBRIDGE BANCORP                         Randolph
    Boston                                Rutland
    Concord                               Springfield (MA)
    Portsmouth                            Springfield (VT)
CAMBRIDGE FINANCIAL GROUP, INC.           Waitsfield
    Boston                                Worcester
CAMDEN NATIONAL CORPORATION           CITIGROUP INC.
    Bangor                                Fairfield Area
    Belfast                           CITIZENS NATIONAL BANCORP, INC.
    Damariscotta                          New London (CT)
    Farmington                            Worcester
    Guilford
    Lewiston                          CLAREMONT SAVINGS BANK
    Portland                              Claremont
    Rangeley                              Hanover-Lebanon
    Rockland                          CLINTON FINANCIAL SERVICES, MHC
    Waterville                            Boston
CAMPELLO BANCORP                          Worcester
    Boston                            CNB FINANCIAL CORPORATION
    Cape Cod                              Worcester
CANTON CO-OPERATIVE BANK              COLLINSVILLE SAVINGS MUTUAL HOLDING
    Boston                                Hartford
CAPE ANN SAVINGS BANK                 COLONIAL CO-OPERATIVE BANK
    Boston                                Boston
CAPE COD CO-OPERATIVE BANK            COLONIAL FEDERAL SAVINGS BANK
    Cape Cod                              Boston
CAPITAL CROSSING BANK                 COMMERCE BANCSHARES CORP.
    Boston                                Boston
CASTLE BANK & TRUST COMPANY               Worcester
    New Haven                         COMMONWEALTH CO-OPERATIVE BANK
CATHAY GENERAL BANCORP                    Boston
    Boston                            COMMUNITY BANCORP.
CENTRAL BANCORP, INC.                     Barre Montpelier
    Boston                                Newport
                                          Saint Johnsbury
CENTRAL FINANCIAL CORPORATION
    Barre Montpelier                  COMMUNITY BANK AND TRUST COMPANY
    Hanover-Lebanon                       Boston
    Middlebury                            Conway
    Randolph                              Portsmouth
CENTREVILLE SAVINGS BANK              COMMUNITY FINANCIAL, MHC
    Providence                            Bennington
                                          Manchester (VT)
CENTRIX BANK & TRUST
                                      COMMUNITY GUARANTY CORPORATION
    Boston
                                          Plymouth
    Manchester (NH)
    Portsmouth                        CONNECTICUT MUTUAL HOLDING COMPANY
                                          Fairfield Area
CENTURY BANCORP, INC.
                                          Hartford
    Boston
                                          Torrington
CHARLES SCHWAB CORPORATION, THE           Waterbury
    Boston
                                      CONNECTICUT RIVER BANCORP, INC.
    Fairfield Area
                                          Claremont
    Hartford
                                          Keene
CHELSEA-PROVIDENT CO-OPERATIVE BANK       Littleton
    Boston                                Springfield (VT)
CHICOPEE SAVINGS BANK                 CONNECTICUT RIVER COMMUNITY BANK
    Springfield (MA)                      Hartford
COUNTRY BANK FOR SAVINGS              FIRST COMMUNITY BANK
    Springfield (MA)                      Hanover-Lebanon
    Worcester                             Rutland
DAMARISCOTTA BANKSHARES, INC.         FIRST CONNECTICUT BANCORP, INC.
    Belfast                               Hartford
    Damariscotta                      FIRST COUNTY BANK
    Rockland                              Fairfield Area
DANVERS BANCORP, INC.                 FIRST EASTERN BANKSHARES
    Boston                                Boston
DEAN CO-OPERATIVE BANK                FIRST FEDERAL SAVINGS AND LOAN
    Boston                                Bath
DEDHAM CO-OPERATIVE BANK                  Boothbay Harbor
    Boston                                Damariscotta
DEDHAM INSTITUTION FOR SAVINGS        FIRST HORIZON NATIONAL CORPORATION
    Boston                                Cape Cod
DIME BANK                                 Hartford
    New London (CT)                   FIRST IPSWICH BANCORP
DUKES COUNTY SAVINGS BANK                 Boston
    Martha's Vineyard                     Manchester (NH)

EAGLE BANK                            FIRST LITCHFIELD FINANCIAL
    Boston                                Fairfield Area
                                          Torrington
EAST BRIDGEWATER SAVINGS BANK
    Boston
                                      FIRST NATIONAL LINCOLN CORPORATION
                                          Bar Harbor
EAST CAMBRIDGE SAVINGS BANK               Bath
    Boston                                Blue Hill
EASTERN BANK CORPORATION                  Boothbay Harbor
    Boston                                Calais
    Cape Cod                              Damariscotta
    New Bedford                           Ellsworth
                                          Rockland
EASTERN FEDERAL BANK
    Hartford                          FIRST REPUBLIC BANK
    New London (CT)                       Portsmouth
                                      FIRST VALLEY BANCORP, INC.
EASTHAMPTON SAVINGS BANK
                                          Hartford
    Springfield (MA)
                                      FITCHBURG SAVINGS BANK, FSB
ECONOMY CO-OPERATIVE BANK
                                          Boston
    Boston
                                      FLORENCE BANCORP, MHC
ENTERPRISE BANCORP, INC.
                                          Springfield (MA)
    Boston
                                      FMR CORP.
EQUITABLE CO-OPERATIVE BANK
                                          Boston
    Boston
                                      FOXBORO FEDERAL SAVINGS
ESSEX SAVINGS BANK
                                          Boston
    Hartford
    New London (CT)                   FRAMINGHAM CO-OPERATIVE BANK
EVERETT CO-OPERATIVE BANK                 Boston
    Boston                            FRANKLIN SAVINGS BANK
FACTORY POINT BANCORP, INC.               Concord
    Manchester (VT)                       Laconia
    Rutland                           FSB BANCORP, MHC
    Springfield (VT)                      Farmington
FAIRFIELD COUNTY BANK CORP.               Rangeley
    Fairfield Area                        Rumford
                                          Waterville
FAMILY FEDERAL SAVINGS AND LOAN
    Boston                            GARDINER SAVINGS INSTITUTION, FSB
                                          Augusta
FEDERAL SAVINGS BANK                      Bath
    Portsmouth                            Boothbay Harbor
FIDELITY CO-OPERATIVE BANK                Damariscotta
    Boston                                Waterville
    Worcester                         GEORGETOWN BANCORP, INC.
FIRST BRANDON FINANCIAL CORPORATION       Boston
    Rutland                           GLOUCESTER CO-OPERATIVE BANK
FIRST CITIZENS BANK                       Boston
    Fort Kent                         GORHAM SAVINGS BANK
    Houlton                               Portland
    Lincoln
    Presque-Isle-Caribou              GRAND BANK CORPORATION
                                          Boston
FIRST COLEBROOK BANCORP, INC.
    Boston                            GRANITE SAVINGS BANK
    Colebrook                             Boston
    Concord
GREENFIELD CO-OPERATIVE BANK             Conway
    Springfield (MA)                     Ellsworth
                                         Farmington
GSB, MHC                                 Fort Kent
    Springfield (MA)
                                         Guilford
GUARANTY BANCORP, INC.                   Houlton
    Hanover-Lebanon                      Lewiston
    Haverhill                            Lincoln
    Littleton                            Middlebury
    Plymouth                             Millinocket
HAMPDEN BANCORP, MHC                     Paris-Norway
    Springfield (MA)                     Portland
                                         Portsmouth
HAVERHILL CO-OPERATIVE BANK              Presque-Isle-Caribou
    Boston                               Rockland
HINGHAM INSTITUTION FOR SAVINGS          Rumford
    Boston                               Rutland
                                         St. John Valley
HOLBROOK CO-OPERATIVE BANK               Waterville
    Boston
                                     LAFAYETTE FEDERAL SAVINGS BANK
HOME LOAN FINANCIAL CORP.                Fall River
    Providence
                                     LEADER BANK, NATIONAL ASSOCIATION
HOMETOWN BANK, A COOPERATIVE BANK        Boston
    Worcester
HYDE PARK CO-OPERATIVE BANK          LEDYARD NATIONAL BANK
    Boston                               Concord
                                         Hanover-Lebanon
HYDE PARK SAVINGS BANK
    Boston                           LIBERTY BANK
                                         Hartford
INDEPENDENCE BANK                        New Haven
    Providence                           New London (CT)
INDEPENDENT BANK CORP.               LOWELL CO-OPERATIVE BANK
    Boston                               Boston
    Cape Cod
    Providence                       LSB CORPORATION
                                         Boston
INSTITUTION FOR SAVINGS IN
    Boston                           LSB FINANCIAL
                                         Berlin
INVESTORS FINANCIAL SERVICES CORP.       Claremont
    Boston                               Concord
IPSWICH CO-OPERATIVE BANK                Conway
    Boston                               Haverhill
                                         Laconia
IRON BANCSHARES, INC.                    Littleton
    Fairfield Area                       Manchester (NH)
    Hartford                             Plymouth
ISLAND BANCORP, INC.                     Portsmouth
    Martha's Vineyard                LYNDONVILLE SAVINGS BANK AND TRUST
JEWETT CITY SAVINGS BANK                 Burlington
    New London (CT)                      Newport
JPMORGAN CHASE & CO.                     Saint Johnsbury
    Boston                           MACHIAS BANCORP, MHC
    Fairfield Area                       Bangor
    New Haven                            Bar Harbor
    Providence                           Calais
                                         Ellsworth
KATAHDIN BANKSHARES CORPORATION          Houlton
    Fort Kent                            Lincoln
    Houlton                              Machias
    Presque-Isle-Caribou
                                     MANSFIELD CO-OPERATIVE BANK
KENNEBEC FEDERAL SAVINGS AND LOAN        Boston
    Waterville
                                     MARBLEHEAD SAVINGS BANK
KENNEBEC SAVINGS BANK                    Boston
    Augusta
    Waterville                       MARLBOROUGH BANCORP
                                         Boston
KENNEBUNK SAVINGS BANK
    Portland                         MARLBOROUGH SAVINGS BANK
    Portsmouth                           Boston
KEYCORP                                  Worcester
    Augusta                          MARSH MCLENNAN INC.
    Bangor                               Boston
    Barre Montpelier                 MASCOMA MUTUAL HOLDING COMPANY
    Bath                                 Barre Montpelier
    Belfast                              Concord
    Boothbay Harbor                      Hanover-Lebanon
    Brattleboro
    Burlington                       MASSACHUSETTS STATE CARPENTERS
                                         Boston
    Providence                       MOUNTAINONE FINANCIAL PARTNERS, MHC
MASSBANK CORP.                           Pittsfield (MA)
    Boston                           MT. WASHINGTON CO-OPERATIVE BANK
MAYFLOWER CO-OPERATIVE BANK              Boston
    Boston                           MUTUAL BANCORP OF THE BERKSHIRES,
    New Bedford                          Pittsfield (MA)
MECHANICS' CO-OPERATIVE BANK         MUTUAL FEDERAL SAVINGS BANK OF
    Boston                               Boston
MECHANICS' SAVINGS BANK              NARRAGANSETT FINANCIAL CORP
    Lewiston                             Fall River
    Portland                             New Bedford
MEDWAY CO-OPERATIVE BANK                 Providence
    Boston                           NATICK FEDERAL SAVINGS BANK
MEETINGHOUSE CO-OPERATIVE BANK           Boston
    Boston                           NAUGATUCK SAVINGS BANK
MELLON FINANCIAL CORPORATION             Fairfield Area
    Boston                               New Haven
                                         Waterbury
MELROSE CO-OPERATIVE BANK
    Boston                           NEW BEDFORD COMMUNITY BANCORP
                                         New Bedford
MERCANTILE CAPITAL CORP              NEW ENGLAND BANCSHARES
    Boston
                                         Hartford
MERCHANTS BANCSHARES INC.            NEW HAMPSHIRE THRIFT BANKSHARES
    Barre Montpelier
                                         Boston
    Bennington
                                         Claremont
    Brattleboro
                                         Concord
    Burlington
                                         Hanover-Lebanon
    Hanover-Lebanon
    Manchester (VT)                  NEWALLIANCE BANCSHARES, INC.
    Morristown                           Fairfield Area
    Rutland                              Hartford
    Saint Johnsbury                      New Haven
    Springfield (VT)                     New London (CT)
MEREDITH VILLAGE SAVINGS BANK        NEWBURYPORT FIVE CENTS SAVINGS BANK
    Laconia                              Boston
    Plymouth
                                     NEWMIL BANCORP, INC.
MERIDIAN INTERSTATE BANCORP, INC.        Fairfield Area
    Boston                               Torrington
MERRILL MERCHANTS BANCSHARES, INC.       Waterbury
    Bangor                           NEWPORT FEDERAL SAVINGS BANK
    Pittsfield (ME)                      New London (CT)
    Waterville                           Newport
MERRIMAC SAVINGS BANK                    Providence
    Boston                           NEWTOWN SAVINGS BANK
MERRIMACK BANCORP, MHC                   Fairfield Area
    Boston                               Waterbury
    Concord                          NORTH ABINGTON CO-OPERATIVE BANK
METHUEN CO-OPERATIVE BANK                Boston
    Boston                           NORTH BROOKFIELD SAVINGS BANK
MIDDLEBURY NATIONAL CORPORATION          Springfield (MA)
    Burlington                           Worcester
    Middlebury                       NORTH CAMBRIDGE CO-OPERATIVE BANK
MIDDLESEX FEDERAL SAVINGS AND LOAN       Boston
    Boston                           NORTH EASTON SAVINGS BANK
MIDDLESEX SAVINGS BANK                   Boston
    Boston                           NORTH FORK BANCORPORATION, INC.
MILFORD FEDERAL SAVINGS AND LOAN         New Haven
    Boston                           NORTH MIDDLESEX SAVINGS BANK
    Providence                           Boston
    Worcester
                                     NORTH SHORE BANCORP
MILLBURY NATIONAL BANK                   Boston
    Worcester
                                     NORTHEAST BANCORP
MILLBURY SAVINGS BANK                    Augusta
    Worcester                            Bath
MNB BANCORP                              Lewiston
    Boston                               Paris-Norway
                                         Portland
MONADNOCK COMMUNITY BANK
    Boston                           NORTHERN BANCORP, INC.
                                         Boston
MONSON FINANCIAL SERVICES MHC
    Springfield (MA)                 NORTHERN TRUST CORPORATION
                                         Fairfield Area
NORTHFIELD MHC                        PRUDENTIAL FINANCIAL
    Barre Montpelier                      Hartford
    Burlington                        PSB HOLDINGS, INC.
    Hanover-Lebanon                       New London (CT)
    Randolph
    Waitsfield                        RANDOLPH BANCORP
                                          Boston
NORTHMARK BANK                            Providence
    Boston
NORTHWAY FINANCIAL, INC.              READING CO-OPERATIVE BANK
    Berlin                                Boston
    Concord                           RIVERGREEN BANK
    Conway                                Portland
    Laconia
                                      ROCKLAND SAVINGS & LOAN ASSOCIATION
    Littleton
                                          Rockland
    Plymouth
NORWAY BANCORP, MHC                   ROCKPORT NATIONAL BANCORP, INC.
                                          Boston
    Bath
    Conway                            ROCKVILLE FINANCIAL MHC, INC.
    Paris-Norway                          Hartford
    Portland                          ROXBURY-HIGHLAND CO-OPERATIVE BANK
NORWOOD CO-OPERATIVE BANK                 Boston
    Boston                            ROYAL BANK OF SCOTLAND GROUP PLC,THE
NUTMEG FINANCIAL MHC                      Barre Montpelier
    Fairfield Area                        Bennington
    Waterbury                             Berlin
                                          Boston
OCEANPOINT FINANCIAL PARTNERS, MHC
                                          Brattleboro
    Fall River
                                          Burlington
    Newport
                                          Cape Cod
    Providence
                                          Claremont
ONEUNITED BANK                            Colebrook
    Boston                                Concord
PASSUMPSIC BANCORP                        Conway
    Littleton                             Fairfield Area
    Newport                               Fall River
    Saint Johnsbury                       Hanover-Lebanon
                                          Hartford
PATRIOT NATIONAL BANCORP, INC.            Keene
    Fairfield Area                        Laconia
PENTUCKET BANK                            Manchester (NH)
    Boston                                Manchester (VT)
                                          Middlebury
PEOPLES FEDERAL SAVINGS BANK              New Bedford
    Boston
                                          New Haven
PEOPLE'S MUTUAL HOLDINGS                  New London (CT)
    Fairfield Area                        Newport
    Hartford                              Pittsfield (MA)
    New Haven                             Plymouth
    New London (CT)                       Portsmouth
    Torrington                            Providence
    Waterbury                             Rutland
PEOPLES TRUST COMPANY OF ST. ALBANS       Springfield (MA)
    Burlington                            Springfield (VT)
                                          Waterbury
PEOPLESBANCORP, MHC                       Worcester
    Springfield (MA)                  SACO & BIDDEFORD SAVINGS INSTITUTION
PEPPERELL BANCSHARES FINANCIAL            Portland
    Portland                          SALEM CO-OPERATIVE BANK
    Portsmouth                            Boston
PEYTON STREET FINANCIAL SERVICES      SALEM FIVE BANCORP
    Hartford                              Boston
PILGRIM CO-OPERATIVE BANK             SALISBURY BANCORP, INC.
    Boston                                Fairfield Area
PISCATAQUA SAVINGS BANK                   Pittsfield (MA)
    Portsmouth                        SANFORD INSTITUTION FOR SAVINGS
PONKAPOAG BANCORP, MHC                    Portland
    Boston                                Portsmouth
PRIME BANK                            SARGENT INVESTORS INC.
    New Haven                             Boston
PROFILE BANK, FSB                         Providence
    Laconia                           SAUGUSBANK, A CO-OPERATIVE BANK
    Portsmouth                            Boston
PROVIDENT BANCORP                     SAVERS CO-OPERATIVE BANK
    Boston                                Worcester
    Portsmouth
SAVINGS BANK OF DANBURY                  Hartford
    Fairfield Area                   STATE STREET CORPORATION
    Waterbury                            Boston
SAVINGS BANK OF WALPOLE              STONEHAM SAVINGS BANK
    Keene                                Boston
SBT BANCORP, INC.                    STONEHAMBANK, A CO-OPERATIVE BANK
    Hartford                             Boston
SCITUATE FEDERAL SAVINGS BANK        STOUGHTON CO-OPERATIVE BANK
    Boston                               Boston
SEAMEN'S BANK                        SUGAR RIVER SAVINGS BANK
    Cape Cod                             Claremont
SECURITY FEDERAL SAVINGS BANK            Concord
    Boston                               Hanover-Lebanon
    Cape Cod                         TALBOTS CLASSICS NATIONAL BANK
SERVICE BANCORP, MHC                     Providence
    Boston                           THE APPLE VALLEY BANK & TRUST COMPA
SHARON CO-OPERATIVE BANK                 New Haven
    Boston                           THE BANK OF NEW CANAAN
SI BANCORP, INC.                         Fairfield Area
    Hartford                         THE BRAINTREE CO-OPERATIVE BANK
    New London (CT)                      Boston
SIWOOGANOCK HOLDING COMPANY, INC.,   THE BRATTLEBORO SLA, F.A.
    Littleton                            Brattleboro
SKOWHEGAN SAVINGS BANK                   Springfield (VT)
    Augusta                          THE CAPE COD FIVE CENTS SAVINGS BANK
    Bangor                               Cape Cod
    Guilford                         THE CHELSEA GROTON SAVINGS BANK
    Pittsfield (ME)                      New London (CT)
    Waterville
                                     THE CONNECTICUT BANK AND TRUST COMP
SLADE'S FERRY BANCORP                    Hartford
    Fall River
    New Bedford                      THE COOPERATIVE BANK
    Providence                           Boston
SOUND FEDERAL BANCORP                THE FIRST NATIONAL BANK OF ORWELL
    Fairfield Area                       Middlebury
SOUTH ADAMS SAVINGS BANK             THE FIRST NATIONAL BANK OF SUFFIELD
    Pittsfield (MA)                      Hartford
SOUTH COASTAL HOLDINGS MHC, INC      THE GUILFORD SAVINGS BANK
    Boston                               New Haven
SOUTH SHORE BANCORP MHC              THE LENOX NATIONAL BANK
    Boston                               Pittsfield (MA)
SOUTH SHORE MUTUAL HOLDING COMPANY   THE LOWELL FIVE CENT SAVINGS BANK
    Boston                               Boston
SOUTHBRIDGE SAVINGS BANK             THE MARTHA'S VINEYARD CO-OPERATIVE
    Springfield (MA)                     Martha's Vineyard
    Worcester
                                     THE MILFORD BANK
SOUTHERN CONNECTICUT BANCORP, INC        Fairfield Area
    New Haven
                                     THE NEEDHAM CO-OPERATIVE BANK
SOUTHERN NEW HAMPSHIRE BANK AND          Boston
    Boston
                                     THE NORTHAMPTON CO-OPERATIVE BANK
    Manchester (NH)
                                         Springfield (MA)
SOVEREIGN BANCORP
                                     THE PITTSFIELD CO-OPERATIVE BANK
    Boston
                                         Pittsfield (MA)
    Cape Cod
    Concord                          THE SAVINGS BANK
    Fall River                           Boston
    Hartford                         THE TORRINGTON SAVINGS BANK
    Manchester (NH)                      Fairfield Area
    Martha's Vineyard                    Hartford
    Nantucket                            Torrington
    New Bedford
    New Haven                        THE VILLAGE BANK
    Newport                              Boston
    Providence                       THE WILTON BANK
    Springfield (MA)                     Fairfield Area
    Torrington
    Waterbury                        THOMASTON SAVINGS BANK
    Worcester                            Hartford
                                         Waterbury
SPENCER SAVINGS BANK                 TORONTO-DOMINION BANK, THE
    Worcester                            Augusta
STAFFORD SAVINGS BANK                    Bangor
     Barre Montpelier             New Haven
     Bath                         Waterbury
     Belfast                  WAINWRIGHT BANK & TRUST COMPANY
     Bennington                   Boston
     Boston
     Brattleboro              WAKEFIELD CO-OPERATIVE BANK
     Burlington                   Boston
     Cape Cod                 WALPOLE CO-OPERATIVE BANK
     Concord                      Boston
     Conway
     Ellsworth                WARE CO-OPERATIVE BANK
     Fairfield Area               Springfield (MA)
     Farmington               WASHINGTON SAVINGS BANK
     Fort Kent                    Boston
     Hanover-Lebanon
                              WASHINGTON TRUST BANCORP, INC.
     Hartford
                                  New London (CT)
     Houlton
                                  Providence
     Keene
     Laconia                  WATERTOWN SAVINGS BANK
     Lewiston                     Boston
     Lincoln                  WEBSTER FINANCIAL CORPORATION
     Manchester (NH)              Boston
     Manchester (VT)              Fairfield Area
     Morristown                   Fall River
     New Bedford                  Hartford
     New Haven                    New Bedford
     Newport                      New Haven
     Paris-Norway                 New London (CT)
     Pittsfield (MA)              Newport
     Pittsfield (ME)              Providence
     Portland                     Torrington
     Portsmouth                   Waterbury
     Presque-Isle-Caribou
     Providence               WEBSTER FIVE CENTS SAVINGS BANK
     Rockland                     Worcester
     Rutland                  WELLESLEY BANK
     Saint Johnsbury              Boston
     Springfield (MA)
     Springfield (VT)
                              WELLS RIVER SAVINGS BANK
     Torrington                   Hanover-Lebanon
     Waitsfield               WESTBANK CORPORATION
     Waterbury                    New London (CT)
     Waterville                   Springfield (MA)
     Worcester                    Worcester
TRUSTCO BANK CORP             WESTBOROUGH BANCORP, M.H.C.
     Bennington                   Worcester
U.S.B. HOLDING CO., INC.      WESTFIELD MUTUAL HOLDING COMPANY
     Fairfield Area               Springfield (MA)
UFS BANCORP                   WEYMOUTH BANK
     Boston                       Boston
     Worcester                WINCHESTER CO-OPERATIVE BANK
UNION BANKSHARES COMPANY          Boston
     Bar Harbor               WINCHESTER SAVINGS BANK
     Belfast                      Boston
     Blue Hill
     Ellsworth
                              WINDSOR FEDERAL MHC
                                  Hartford
     Machias
     Rockland                 WINTER HILL FEDERAL SAVINGS BANK
UNION BANKSHARES, INC.            Boston
     Burlington               WRENTHAM CO-OPERATIVE BANK
     Morristown                   Boston
     Saint Johnsbury
UNION FEDERAL SAVINGS BANK
     Providence
UNION SAVINGS BANK
     Fairfield Area
     Waterbury
UNITED COMMERCIAL BANK
     Boston
UNITED FINANCIAL BANCORP
     Springfield (MA)
URBAN FINANCIAL GROUP, INC.
     Fairfield Area
WACHOVIA CORPORATION
     Fairfield Area
     Hartford