2002 Decisions of the Commissioner of Banks and Board of Bank Incorporation

Decision relative to the petition of Chittenden Corporation, Burlington, Vermont to acquire Ocean National Corporation, Kennebunk, Maine

Decision relative to the petition of FIRSTFED America Bancorp, Inc., Swansea, Massachusetts to acquire People's Bancshares, Inc., New Bedford, Massachusetts

Decision relative to the application of GBC Bancorp, Inc and its wholly owned subsidiary General Bank, Los Angeles, California to acquire Liberty Bank and Trust Company, Boston, Massachusetts

Decision relative to the application of General Bank, Los Angeles, California to merge with Liberty Bank and Trust Company Boston, Massachusetts

Decision establishing certain maximum dishonored check fees at Massachusetts state-chartered institutions March 19, 2002

Decision relative to Hoosac Bank, North Adams, Massachusetts and Williamstown Savings Bank, Williamstown, Massachusetts

Decision relative to the merger of Hoosac Financial Services, Inc., North Adams, Massachusetts with and into Williamstown Mutual Holding Company, Williamstown, Massachusetts

Decision on the applications relative to the reorganization into a Mutual Holding Company by South Coastal Bank, Rockland, Massachusetts

Decision relative to the petition of Banknorth Group, Inc., Portland, Maine to acquire Ipswich Bancshares Inc., Ipswich, Massachusetts

Decision relative to the application of Banknorth N.A., Portland, Maine to merge with Ipswich Savings Bank, Ipswich, Massachusetts

Decision on the applications relative to the reorganization into a Mutual Holding Company by Randolph Savings Bank, Randolph, Massachusetts

Decision relative to the petition of Abington Bancorp, Inc., Abington, Massachusetts to acquire Massachusetts Fincorp, Inc., Quincy, Massachusetts

In the matter of the merger of The Massachusetts Co-operative Bank, Dorchester, Massachusetts with and into Abington Savings Bank, Abington, Massachusetts

Decision relative to the merger of Eastern Bank & Trust Company, Salem, Massachusetts with and into Eastern Bank, Lynn, Massachusetts

Decision relative to the application of Citizens Bank of Massachusetts, Boston, Massachusetts to merge with Medford Savings Bank, Medford, Massachusetts

Decision relative to the petition of Citizens Financial Group, Inc., Providence, Rhode Island and certain related entities to acquire Medford Bancorp Inc., Medford, Massachusetts

Decision relative to the petition to establish Navisbank in Gloucester, Massachusetts

Decision relative to the petition of Banknorth N.A., Inc., Portland, Maine to acquire Warren Bancorp, Inc., Peabody, Massachusetts

Decision on the applications relative to the reorganization into a Mutual Holding Company by Bridgewater Savings Bank, Bridgewater, Massachusetts

Decision relative to the petition of Citizens Financial Group, Inc., Providence, Rhode Island and certain related entities to indirectly acquire Commonwealth Bancorp, Norristown, Pennsylvania

Decision relative to the petition of OneUnited Bank, Boston, Massachusetts, formerly the Boston Bank of Commerce to acquire Family Savings Bank, Los Angeles, California and to become a bank holding company