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Woronoco Bancorp Inc. a holding Company of Woronoco Savings Bank (the Bank). The Bank's principal business consists of the acceptance of retail deposits from the general public and the investment of those deposits, together with funds generated from borrowings, retail operations, investment management and insurance services, into a line of lending products, including one- to four-family, multi-family, commercial real estate, commercial business, construction and development, and other types of consumer loans, including home equity lines of credit and automobile loans. The Bank's lending and deposit market areas include Hampden and Hampshire counties in western Massachusetts and parts of northern Connecticut. The Bank's revenues are derived from the generation of interest and fees on loans, interest and dividends on investment securities and fees from its retail banking operation, investment management and insurance services.(Source: 10-K)