here , excellent put away !!! nice billion assett thrift with smart mang , not quick money here but smart old fashioned value , its a acually a good bank , maybe it desrves to be indepenant , (well for while) and during that while (5-7years) expect shareholder friendly action , lets face aint that many billion buck thrifts coming any more the time has come)always was time) to hold these juicey depsoit gathers !! at no prem whatso ever trading today at book value the bank is value added for free gents , and its adecent one, ubnk is a put away here..............luv the size and quality!!! anotehr 13 dollar MHC ! trading a buck too light theres a bunch of mhc trading a little light around a buck under the fair value i guess...this is one of the betters ones offered...-long term holder 5-7year holder 15% return!!!!each year!