John J. O'Neil

Danvers Bancorp, Inc. provides loans to its customers, including commercial and industrial loans, commercial real estate loans, owner-occupied residential mortgages and consumer loans, and invests in investment securities. It funds these lending and investment activities with deposits from the general public, funds generated from operations and selected borrowings. The bank also provides non-deposit investment products and services, cash management, debit and credit card products and online banking services. The company was founded in 1850 and is headquartered in Danvers, MA.

The principal activity of the bank is to attract deposits from the general public. The bank uses these deposits to make residential mortgage, commercial real estate, construction real estate, commercial and consumer loans and to invest in various securities. The Bank also offers a variety of deposit and loan services to small and medium sized businesses in its market area. The Bank has six wholly-owned subsidiaries, FSB, Inc., Security Sub Corp., F.S.B. Development Corporation, Baltic Realty Corporation, Phoenix Realty Holdings, Inc and MWB Insurance Agency, LLC. The company conducts its operations through 17 offices located in 13 communities. Interest and fees on loans accounted for 71% of 2000 revenues; other interest income, 23% and non-interest income, 6%.

Boston Private Bank & Trust Co. provides investment advice. The company was founded on November 1, 1983 and is headquartered in Boston, MA.

Patriot Bank provides banking services. It offers personal banking services that include personal checking and personal saving accounts, mobile banking, certificate of deposits and home mortgage and equity loans. The firm's commercial banking services include commercial deposits, overdrafts and business loans. The company was founded on January 20, 2005 and is headquartered in Houston, TX.

On April 12, 1853, the New York State legislature passed a bill chartering the United States Trust Co. of New York with the mission of serving as manager, executor and trustee of personal and corporate funds. They opened for business in New York City in August of that year. US Trust has divisions in Connecticut, New York, New Jersey, Pennsylvania, North Carolina, Florida, Texas, Oregon, California, Washington, and the District of Columbia. The firm also owns Campbell Cowperthwait, which manages growth-oriented portfolios for U.S. Trust's institutional clients.