EXHIBIT 99

                       Press Release dated April 27, 2001


Salisbury Contact: John F. Perotti
860-435-9801 or jp@salisbury-bank.com

FOR IMMEDIATE RELEASE
April 27, 2001


            SALISBURY BANCORP, INC. ANNOUNCES FIRST QUARTER EARNINGS

Lakeville,  Connecticut,  April 27,  2001/PRNewswire...Salisbury  Bancorp,  Inc.
(AMEX:SAL) the holding  Company for Salisbury  Bank and Trust Company  announced
today  that net income for the first  quarter of 2001 was  $642,000  or $.44 per
diluted  share as compared  to $713,000 or $.48 per diluted  share for the first
quarter of 2000.  The  decrease in  earnings  is  primarily  the  reflection  of
additional  operating  costs  associated  with the  installation  of a new "Core
Account  Processing" system during the first quarter that should enable the Bank
to better meet the financial needs of customers.

During the year 2000,  Salisbury  Bancorp,  Inc.  declared a cash  dividend each
quarter of $.13 per share and a year end special dividend of $.25 per share. The
Board of  Directors  has decided to increase  the  Company's  regular  quarterly
dividends in lieu of the declaration of a special dividend and as a result voted
to increase the regular quarterly  dividend to $.21 per share beginning with the
first  quarter of 2001 that was declared on February 28, 2001.  This dividend is
being paid on April 27, 2001 to shareholders of record as of March 30, 2001.

The Company  previously  announced on March 28, 2001 that it signed a definitive
agreement to purchase People's Canaan,  Conn., banking office.  Pending approval
by the appropriate banking regulatory  agencies,  the transaction is expected to
be completed mid-year. The additional office will complement the existing branch
network which currently  includes  branches in Lakeville,  Salisbury and Sharon,
Connecticut.

Salisbury Bank and Trust Company, the sole subsidiary of Salisbury Bancorp, Inc.
is headquartered in Lakeville, Connecticut and offers a full compliment of
consumer and business banking products and services as well as trust services.


                                      -5-