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|Exhibit 99.1Presentation Materials
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2006 Annual Shareholders Meeting Salisbury Bancorp, Inc.




**Statements contained in this Annual Meeting Presentation Material contain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995.  These
statements are based on the beliefs and expectations of management as well as the assumption made using information currently available to management.  Since these statements reflect the views of management concerning future events, these
statements involve risks, uncertainties and assumptions, including, among others:  changes in market interest rates and general and regional economic conditions; changes in government
regulations; changes in accounting principles; and the quality or composition of the loan and investment portfolios and other factors that may be described in the Companys quarterly reports
of Form 10-Q and its annual report on Form 10-K, each filed with the Securities and Exchange Commission, which are available at the Securities and Exchange Commissions internet website (www.sec.gov) and to which reference in hereby made.  Therefore, actual future results may
differ significantly from results discussed in the forward-looking statements.




Salisbury Bank and TrustCompany $403 million in assets Approximately 750 shareholders 24,000 deposit accounts 6,600 loan accounts 118 FTEs 6 full service locations 9 ATMs 2 limited service locations




2005 Highlights Completed merger integration Customer relationship management Closed 1332 loans totaling more than $110 mm Closed 281 residential mortgages - $55 million Closed 258 commercial loans - $33 million Net Income - $4,561,341




2005 Highlights (contd) Trust and Investment Services 55 new account relationships - $12 million Completed core operating system conversion Bradley Foster and Sargent, Inc. Enhanced business development resources




Mission Salisbury Bank and Trust Company strives to be theleading community bankin thetri-state area. We are committed to providingprofessionalfinancial
services in afriendly and responsive manner. We are dedicated to being anactive
corporate citizenin the communities we serve, we willinspire our staff to grow
personally and professionally. Our achievement of these goals will continue to assure customer satisfaction,
profitability, andenhanced shareholder value.




Stakeholders Shareholders Customers Employees Communities




Tri-State area




Leading community bank 9.20% 9.05% 10.09% Peer Group Avg. 12.30% 12.21% 10.81% SBT 5 yr. avg. 3 yr. avg. 1 yr. Return on Average Equity




Leading community bank .80% .78% .82% Peer Group Avg. 1.15% 1.17% 1.12% SBT 5 yr. avg. 3 yr. avg. 1 yr. Return on Average Assets




Professional We will apply our knowledge and expertise to match customers needs and objectives to the most appropriate solutions available.  We will maintain public trust by always acting in an ethical manner. Product training Continuing education Code of ethics policy Experience level of senior management team averages more than 24 years per individual




Friendly and Responsive We will treat every customer contact as an opportunity to exceed their expectations.  We will always use integrity, honesty, and sincerity when dealing with both internal and external customers. Customer service standards Customer service scorecard Product training New and closed account surveys




Active Corporate Citizen We will serve the role of a business leader and responsible corporate citizen through the financial support of worthy community projects, encouraging our directors, officers, and staff to participate in activities which enhance the quality of life in the communities we serve. 83% of employees and board members volunteer their time for more than 150 community organizations or events. Contributed more than $750,000 since 1996




Inspire Our Staff to Grow Personally and Professionally Finding and hiring the right talent Career development opportunities Provide management training Encourage decision-making, responsibility, and authority




Enhanced Shareholder Value Provide a continuous long-term source of profitable growth and superior long-term economic rewards. Be a model in the market for prudent lending and operating practices; by growing carefully and selectively, and by maintaining stringent conformance with banking regulations
and policies. Develop and preserve a superior capital position, being  one of the most financially strong banks in the market.




Investment Valuation




Enhanced Shareholder Value Provide a continuous long-term source of profitable growth and superior long-term economic rewards. Be a model in the market for prudent lending and operating practices; by growing carefully and selectively, and by maintaining stringent conformance with banking regulations
and policies. Develop and preserve a superior capital position, being  one of the most financially strong banks in the market.




Net Loans




Asset Quality 2001 2002 2003 2004 2005 Non-Performing Assets/Loans  (%) 0.41 1.03 0.49 1.12 0.36 Allowance Loan Loss/Loans (%) 1.01 1.07 1.19 1.24 1.22 Allowance Loan Loss/Non-Performing Loans (%) 246.2 104.1 242.9 110.8 339.7 Net Charge Offs/Loans (%) 0 0.16 0.07 0.03 0.05




Enhanced Shareholder Value Provide a continuous long-term source of profitable growth and superior long-term economic rewards. Be a model in the market for prudent lending and operating practices; by growing carefully and selectively, and by maintaining stringent conformance with banking regulations
and policies. Develop and preserve a superior capital position, being  one of the most financially strong banks in the market.




Average Shareholders Equity 9.40% 9.60% 10.38% Average Shareholders   Equity to Average Assets 5 yr. avg. 3 yr. avg. 1 yr. Your company remains classified as a well-capitalized bank according to regulatory standards.




2006 Objectives Conservative and disciplined approach to growing and managing the bank Focus on what we can control Grow core earnings Increase non-interest income Reduce non-interest expense Enhance business banking services Promote trust and investment services