GOVERNMENT PROPERTIES INCOME TRUST COMMON SHARES OF BENEFICIAL INTEREST
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Gouverneur Bancorp, Inc. operates as a holding company for Gouverneur Savings and Loan Association, which provides banking services to individuals and businesses in New York. Its business consists of gathering deposits from the general public within its market area and investing those deposits primarily in loans, debt obligations issued by the U.S. Government and its agencies, and mortgaged-backed securities. The company's loans are mainly residential mortgage loans secured by one-to-four family residences with the balance of the portfolio composed of commercial mortgage loans, other consumer loans, and other non-real estate commercial loans. Its deposit programs include savings accounts, NOW accounts, money market deposit accounts, checking accounts, and certificates of deposit. The company invests in U.S. Government and federal agency securities, mortgage-backed securities, municipal securities, corporate securities, mutual funds, and other securities. As of September 30, 2005, it served primarily the southern St. Lawrence County, and northern Jefferson and Lewis Counties through two full service branch offices and one lending office in the New York state. Gouverneur Bancorp, Inc. was founded in 1892 and is headquartered in Gouverneur, New York. Gouverneur Bancorp, Inc. is majority owned by Cambray Mutual Holding Company.