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 February 21, 2009

Filer

Filing Type

Filing Proposal

End of Comment Period

INDEPENDENT BANK CORP.

* 3A5
* 3A3

Application by Independent Bank Corp., Rockland, MA to merge with Benjamin Franklin Bancorp, Inc.,and thereby acquire its subsidiary bank Benjamin Franklin Bank, both of Franklin, MA pursuant to sections 3(a)(3)/3(a)(5) of the BHC Act.

Newspaper:	02/16/2009
Federal Register:	02/20/2009

MIDDLESEX SAVINGS BANK

* 3A5
* 3A1
* 3A3

Application filed by Middlesex Bancorp, MHC, Natick, Massachusetts to become a mutual bank holding company through the acquisition of 100% of the voting shares of Middlesex Savings Bank, Natick, Massachusetts, pursuant to section 3(a)(1) of the BHC Act and to acquire through merger Service Bancorp, MHC, Service Bancorp Inc., and Strata Bank, all located in Medway, Massachusetts, pursuant to sections 3(a)(3) and 3(a)(5) of the BHC Act

Newspaper:	Not available
Federal Register:	Not available

STATE STREET BANK AND TRUST COMPANY

* Branch

Application by State Street Bank and Trust Company, Boston, Massachusetts to establish a de novo branch office at One Lincoln Street, Boston, Massachusetts, pursuant to section 9 of the Federal Reserve Act and section 208.6 of Regulation H.

Newspaper:	02/27/2009
Federal Register:	Not applicable

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 Second Quarter of 2009 (April 1, 2009 - June 30, 2009)

Institution	Location
BANK OF FALL RIVER CO-OP BK	FALL RIVER, MASSACHUSETTS

* Subject to the provisions of the Community Reinvestment Act

District: 1 Federal Reserve Bank of: Boston

Filings received during the week ending February 21, 2009

Availability of CRA Public Evaluations

CRA Examinations scheduled for Second Quarter of 2009 (April 1, 2009 - June 30, 2009)

District: 1
Federal Reserve Bank of: Boston