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 August 12, 2006

Filer

Filing Type

Filing Proposal

End of Comment Period

FIDELITY MUTUAL HOLDING COMPANY

* 3A1
* 3A3

Application by Fidelity Mutual Holding Company and Life Design Holding Company, both of Fitchburg, Massachusetts, to become a mutual bank holding company and stock bank holding company, respectively, by acquiring Fidelity Co-operative Bank, Fitchburg, Massachusetts, pursuant to sections 3(a)(1)and 3(a)(3)of the Bank Holding Company Act of 1956, as amended.

Newspaper:	08/05/2006
Federal Register:	08/14/2006

MERIDIAN FINANCIAL SERVICES, INC

* 3A3

Meridian Financial Sevices, Inc. and its wholly-owned subsidiary, Meridian Interstate Bancorp, Inc., both of East Boston, Massachusetts, to acquire up to 40% of Hampshire First Bank, Manchester, New Hampshire (in formation) pursuant to section 3(a)(3) of the BHC Act.

Newspaper:	Not available
Federal Register:	Not available

PASSUMPSIC BANCORP

* 3A5
* 3A3

Passumpsic Bancorp, Saint Johnsbury, Vermont to acquire The Siwooganock Holding Company, Inc. and its subsidiary bank, The Siwooganock Bank, both of Lancaster, New Hampshire, and to retain 10% of the voting shares of Lancaster National Bank, Lancaster, New Hampshire pursuant to sections 3(a)(3) and 3(a)(5) of the Banking Holding Company Act of 1956, as amended.

Newspaper:	08/18/2006
Federal Register:	08/21/2006

WEBSTER FINANCIAL CORPORATION

* 3A5
* 3A3

Application by Webster Financial Corporation, Waterbury, Connecticut to acquire NewMil Bancorp, Inc. and its subsidiary bank, NewMil Bank, both of New Milford, Connecticut, 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:	Not available

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 August 12, 2006

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of

District: 1
Federal Reserve Bank of: Boston