Salisbury Bancorp, Inc. (Salisbury) is a bank holding company for Salisbury Bank and Trust Company (the Bank). The Bank is a state-chartered and Federal Deposit Insurance Corporation (the FDIC) insured commercial bank. The Bank is engaged in customary banking activities, including general deposit taking and lending activities to both retail and commercial markets, and trust and wealth advisory services. It offers commercial loans, commercial real estate loans, residential and commercial construction loans, residential real estate loans collateralized by one-to-four family residences, home equity lines of credit, fixed rate loans and other consumer loans. The Bank�s securities available-for-sale include the United Sates Treasury bills, the United Sates Government agency notes, municipal bonds, mortgage backed securities, collateralized mortgage obligations, small business administration (SBA) pools and others.