Salisbury Bancorp, Inc. is a holding company that operates through its wholly owned subsidiary, Salisbury Bank and Trust Company (Bank). The Company's products and services are all of a nature of a commercial bank and trust company. The Bank is chartered as a state bank. The Bank is a full-service bank offering a range of commercial and personal banking services. The Bank is engaged in the business of attracting deposits from the general public and investing those deposits in residential and commercial real estate, consumer and small business loans. It also offers trust and investment services. As of December 31, 2008, it operated seven full-service offices, which are located in North Canaan, Lakeville, Salisbury and Sharon, Connecticut; South Egremont and Sheffield, Massachusetts, and Dover Plains, New York, and a Trust and Wealth Advisory Services Division in Lakeville, Connecticut. The Bank owns and operates two subsidiaries, SBT Realty, Inc. and SBT Mortgage Service Corporation.