Message From the Chief Executive Officer

I am extremely proud to report that our winning team of smart, talented and caring professionals delivered another world championship performance in 2008, just like the Boston Red Sox did this past fall!

I am very pleased with our explosive growth, our dominant deposit Market Share and many other accomplishments in this past year as shown in the 2008 Annual Report.

I am also very grateful to our Board members, staff, and the many citizens and businesses within the "Pentucket area" who have chosen to do their banking with a locally managed community bank that believes and demonstrates each and every day that "the customer really does matter."

A Year of Unprecedented Growth

2008 was a year of remarkable financial achievements, featuring tremendous loan and deposit growth and solid earnings delivered by our championship team

"Many thanks to all of you for your guidance, dedication and loyalty"