A newly formed Maryland corporation that will own all of the outstanding shares of common stock of Everett Co-operative Bank upon completion of the conversion and the offering. ECB Bancorp has not engaged in any business to date. Everett Co-operative Bank is a Massachusetts-chartered mutual cooperative bank headquartered in Everett, Massachusetts. Everett Co-operative Bank was organized in 1890 and has operated continuously in Everett, Massachusetts since this time. We conduct business from our two full-service banking offices located in Everett, Massachusetts and Lynnfield, Massachusetts which are located in the greater Boston metropolitan area in Middlesex and Essex Counties, respectively.