EX 99.1

                     [FIRST LITCHFIELD FINANCIAL LETTERHEAD]

                                October 27, 2009

Dear Shareholder:

         We are  pleased  to  enclose a copy of the joint  press  release  dated
October  26,  2009 in  which  First  Litchfield  Financial  Corporation  ("First
Litchfield")  and  Union  Savings  Bank  ("USB")  announced  the  signing  of  a
definitive  agreement for the merger of First  Litchfield and The First National
Bank of Litchfield (the "Bank") with and into USB. Under terms of the agreement,
upon completion of the merger,  each First  Litchfield  shareholder will receive
$15.00 per share in cash,  giving the transaction a value of  approximately  $35
million. The definitive agreement has been unanimously approved by the Boards of
First Litchfield, the Bank and USB.

         When the proposed transaction is completed, USB will have approximately
$2.5 billion in assets,  $1.7 billion in deposits and 28 branches in Connecticut
- - 13 branches in Fairfield County, 13 branches in Litchfield County and one each
in New Haven and Hartford counties.

         The  transaction  is subject to approval by the  shareholders  of First
Litchfield,  as well as  customary  regulatory  approvals.  The  transaction  is
expected to close in the first quarter of 2010.

         You will  receive a proxy  statement  and proxy  relating  to a Special
Meeting of  Shareholders  of First  Litchfield in the next few months which will
contain full details of the  transaction and provide you the opportunity to vote
on it.

                                   Sincerely,
                                   /s/ JOSEPH J. GRECO
                                   JOSEPH J. GRECO
                                   President and Chief Executive Officer

Forward-looking   Information:  Any  forward-looking  statements  regarding  the
proposed  merger  of  First  Litchfield  and USB  involve  uncertainties.  Those
uncertainties  include,  but are not  limited  to:  legislation  or  changes  in
regulatory  requirements,  shareholder  actions,  technical  or  systems  issues
affecting dates of consummation or conversion,  costs or difficulties related to
the integration,  realization of expected  synergies from the  acquisition,  and
general  economic  conditions  that  are less  favorable  than  expected.  First
Litchfield   does  not  undertake  any  obligation  to  update   forward-looking
statements to reflect events or circumstances that occur after the date on which
such statements are made.

This letter does not constitute a solicitation of proxies. First Litchfield will
file a proxy  statement and other  relevant  documents  concerning  the proposed
transaction with the Securities and Exchange Commission ("SEC"). Shareholders of
First  Litchfield are urged to read the proxy  statement and all other documents
which will be filed with the SEC, and any  amendments  or  supplements  to those
documents,  because they will  contain  important  information  which you should
consider before making any decision regarding the transaction.  You will be able
to  obtain  a free  copy  of the  proxy  statement,  as well  as  other  filings
containing   information   about  First   Litchfield,   at  the  SEC's   website
(www.sec.gov),  and at First Litchfield's website (www.fnbl.com).  Copies of the
proxy  statement  may  also be  obtained  without  charge,  when  available,  by
directing a request to: First Litchfield Financial Corporation, 13 North Street,
P. O. Box 578, Litchfield, CT 06759.

First  Litchfield  and its directors and executive  officers may be deemed to be
participants  in the  solicitation  of proxies  from the  shareholders  of First
Litchfield in connection with the acquisition.  Information  about the directors
and  executive  officers  of  First  Litchfield  and  their  ownership  of First
Litchfield  common stock is set forth in its proxy statement for its 2009 annual
meeting  of  shareholders,  dated  April 27,  2009,  filed with the SEC which is
available  at the First  Litchfield  and SEC websites  noted  above.  Additional
information regarding the interests of such participants in the transaction will
be contained in the proxy statement when it becomes available.

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