Filed by Falmouth Bancorp, Inc.
                       Pursuant to Rule 425 Under the Securities Act of 1933
                                    And Deemed Filed Pursuant to Rule 14a-12
                                              Under the Exchange Act of 1934

                                     Subject Company: Falmouth Bancorp, Inc.
                                               Commission File No. 001-13465

NEWS
RELEASE

For further information contact:
Santo P. Pasqualucci
President & Chief Executive Officer
(508) 548-3500

FOR IMMEDIATE RELEASE
- ---------------------
FEBRUARY 18, 2004

                       FALMOUTH BANCORP, INC. DECLARES
                             QUARTERLY DIVIDEND

Falmouth, Massachusetts, February 18, 2004 - Falmouth Bancorp, Inc.
(AMEX:FCB) (the "Company"), the holding company for Falmouth Bank, a
cooperative bank, (the "Bank"), today announced that its Board of Directors
has declared a quarterly dividend on its common stock of thirteen cents
($0.13) per common share.  The dividend will be payable on March 23, 2004 to
stockholders of record at the close of business on March 9, 2004.

On January 9, 2004, the Company announced that it had reached a definitive
agreement on January 8, 2004 to be acquired by Independent Bank Corp.
(NASDAQ:  INDB) ("Independent"), the parent company of Rockland Trust, in a
part cash, part stock transaction.  The terms of the definitive agreement,
which is subject to the approval of the Company's shareholders, regulatory
authorities and other standard conditions, call for half of the outstanding
shares of the Company to be converted into 1.28 shares of Independent per
share of Company common stock and for the other half of the outstanding
Company shares to be purchased for $38.00 in cash per share of Company
common stock.  The transaction is expected to be completed by mid-year 2004.

In announcing the dividend, Santo P. Pasqualucci, President & Chief
Executive Officer commented, "We are pleased to announce our quarterly cash
dividend on the common stock of thirteen cents ($0.13) per common share.  As
we move toward the anticipated transaction with Independent, we will
continue to focus on capital management, operating efficiency, maintenance
of asset quality and core profitability.  The Board of Directors will
continue to review the Company's dividends and remains committed to
maintaining a regular quarterly dividend subject to the terms of the
agreement with Independent.

Falmouth Bancorp, Inc. is a publicly owned bank holding company and the
parent corporation of Falmouth Bank, a Massachusetts chartered stock co-
operative bank offering traditional financial products and services.  The
Bank conducts its business through its main office located at 20 Davis
Straits, Falmouth, MA 02540, and three branches located in East Falmouth,
North Falmouth and Bourne, Massachusetts.  At December 31, 2003 the Company
had assets of $158.1 million and deposits of $137.6 million.