Federal Reserve Release, H2, Actions of the Board, its Staff, and the Federal Reserve Banks; Applications and Reports Received

District: 1
Federal Reserve Bank of: Boston

Filings received during the week ending March 24, 2007

Filer

Filing Type

Filing Proposal

End of Comment Period

CHITTENDEN CORPORATION

4c8
* 3A5
* 3A3

Chittenden Corporation, Burlington, Vermont to acquire: i) Merrill Merchants Bancshares, Inc. and Merrill Merchants Bank, both of Bangor, Maine, pursuant to sections 3(a)(3) and 3(a)(5) of the BHC Act; and ii) greater than 5% of M&M Consulting Limited Liability Company, Bangor, Maine and Profit Protection, L.L.C., Fort Lauderdale, Florida pursuant to section 4(c)(8) of the BHC Act.

Newspaper:	04/04/2007
Federal Register:	04/05/2007

MERRIMACK BANCORP MHC

* 3A3

Merrimack Bancorp, MHC, Concord, New Hampshire to acquire 100% of the voting shares of Bow Mills Bank, Bow, New Hampshire pursuant to section 3(a)(3) of the BHC Act.

Newspaper:	03/14/2007
Federal Register:	03/14/2007

MOUNTAINONE FINANCIAL PARTNERS, MHC

* 3A5
* 3A3

MountainOne Financial Partners, MHC and MountainOne Financial Partners, Inc., both of North Adams, Massachusetts, to acquire South Coastal Holdings, MHC and its subsidiary bank, South Coastal Bank, both of Rockland, Massachusetts, pursuant to sections 3(a)(3) and 3(a)(5) of the Bank Holding Company Act of 1956, as amended.

Newspaper:	Not available
Federal Register:	04/12/2007

STATE STREET BANK AND TRUST COMPANY

* 18C

State Street Bank and Trust Company, Boston, Massachusetts (SSBT) to merge with Investors Bank & Trust Company, Boston, Massachusetts, with SSBT as the surviving entity.

Newspaper:	Not available
Federal Register:	Not applicable

STATE STREET BANK AND TRUST COMPANY

* Branch

Application by State Street Bank and Trust Company, Boston, Massachusetts (SSBT) to retain the main office of Investors Bank & Trust Company, Boston, Massachusetts (IBT), located at 200 Clarendon Street, Boston, Massachusetts, and to operate that office as a branch pursuant to section 9 of the Federal Reserve Act and section 208.6 of Regulation H, subsequent to the merger of SSBT and IBT.

Newspaper:	Not available
Federal Register:	Not applicable

STATE STREET CORPORATION

* 3A5
* 3A3

Application by State Street Corporation, Boston, Massachusetts to acquire Investors Financial Services Corporation, and its subsidiary bank, Investors Bank & Trust Company, both of Boston, Massachusetts, pursuant to sections 3(a)(3) and 3(a)(5) of the Bank Holding Company Act of 1956, as amended.

Newspaper:	Not available
Federal Register:	04/19/2007

Availability of CRA Public Evaluations

The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the communities in which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977 (12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995.

The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated periodically. That record is taken into account in considering an institution's application for deposit facilities.

A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank.

Federal bank regulators use the following performance levels to rate an institution's performance under CRA:

O = Outstanding
S = Satisfactory
NI = Needs to improve
SN = Substantial noncompliance

The following state member banks have been examined and their CRA public evaluations are now available.

Institution / Location	RSSD ID	Exam Date	CRA Public Date	CRA Rating	Exam Method
NONE

CRA Examinations scheduled for Quarter of

Institution	Location
NONE

District: 1 Federal Reserve Bank of: Boston

Filings received during the week ending March 24, 2007

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of

District: 1
Federal Reserve Bank of: Boston