Michael P. Daly President and Chief Executive Officer Sandler O’Neill + Partners 2007 East Coast Financial Services Conference NASDAQ : BHLB www.berkshirebank.com November 13, 2007 Berkshire Bank - America’s Most Exciting Bank SM Exhibit 99.1

Page 1 BHLB www.berkshirebank.com Accomplishments since 2004 Grown from 11 stores to 48 stores Expanded from Berkshire County into three states in our four state target market Became one of the top dozen banks in country in insurance revenue as percentage of operating revenue Consistently grown basic business lines at double digit annual rates Recruited new executives from Bank of America, TD Banknorth and KeyBank to build regional franchise Implemented distinctive new branding and exciting “can do” corporate culture

Page 2 BHLB www.berkshirebank.com A Growing Regional Franchise $148 million Tangible stockholder’s equity $331 million Stockholder’s equity $102 million Annualized operating revenue $780 million Assets under management $2.5 billion Total assets 9/30/07 Size Manchester Springfield Albany Hartford New York Vermont New Hampshire Massachusetts Connecticut Berkshire County • 38 bank branches • 10 insurance offices Total Stores - 48

Page 3 BHLB www.berkshirebank.com Key Steps in Our Growth Woronoco Bancorp – 10 branches - $850 million in assets Greater Springfield Massachusetts Region $495 million in deposits at 9/30/07; 10% CAGR since 2005 $196 million in commercial loans at 9/30/07; 17% CAGR since 2005 New York de Novo Program – 10 branches in 2005 – 2007 New York Albany Capital Region $134 million in deposits at 9/30/07; 98% CAGR since 2005 $165 million in commercial loans at 9/30/07; 47% CAGR since 2005 Berkshire Insurance Group – 10 offices - $14 million 2007 projected revenues Largest combined agency in Western Massachusetts Acquisition of five affiliated agencies $70 million annual premium volume Factory Point Bancorp – 7 branches - $391 million in assets Southern Vermont Region $269 million in deposits at 9/30/07 $136 million in commercial loans at 9/30/07 2005 2005 2006 2007

Page 4 BHLB www.berkshirebank.com New England Market Strengths Map Source: Moody’s/Economy.com 5/24/07 – Map of Expansion New England Economic Partnership Compared to US average: • Higher per capita income • Lower unemployment • Higher economic growth Primary market strengths: • Quality of life • Low, stable cost of living • Access to New York and Boston • Albany Tech Valley

Page 5 BHLB www.berkshirebank.com Expanded Leadership for a Regional Company Lawrence A. Bossidy Non-Executive Chairman of the Board Michael P. Daly President & Chief Executive Officer Retired Chairman & CEO of Honeywell International and Allied Signal, Former Vice Chair of General Electric Thomas W. Barney, CFP Senior Vice President, Asset Management/Trust Guy H. Boyer Vermont Region Executive Gayle P. Fawcett Senior Vice President, Technology & Operations Linda A. Johnston Senior Vice President, Human Resources John S. Millet Chief Operating Officer Berkshire Insurance Group, Inc. Michael J. Oleksak Executive Vice President, Commercial Banking John J. Howard – Bank of America, Consumer Market Executive Michael J. Oleksak – TD Banknorth Co., Regional Executive Shepard D. Rainie – Bank of America, Managing Director Kevin P. Riley – KeyBank NA, Executive Vice President Senior Management New Executive Recruitment in Last Year Michael J. Ferry Senior Vice President, Commercial Lending Ross D. Gorman President, Berkshire Insurance Group, Inc. John J. Howard Executive Vice President, Retail Banking Shepard D. Rainie Senior Vice President, Risk Management Kevin P. Riley Executive Vice President Chief Financial Officer & Treasurer

Page 6 BHLB www.berkshirebank.com Our Goals for Creating Value Brand - Create nationally recognized brand and business style Culture/Relationships - Expand strong, high quality franchise through motivated teamwork and relationship building Market Share – Build leading market share as only locally headquartered regional bank in primary market Growth - Continue to generate strong top line growth from organic, de novo, acquisition and product expansion Performance - Achieve high performance profitability metrics based on diversified revenue sources with strong commercial components Value - Produce attractive earnings growth and shareholder return Vision To be a world-class financial services company through an engaging and exciting environment where customers want do business and employees want to work.

Page 7 BHLB www.berkshirebank.com How We Differentiate Ourselves Enthusiastic and focused teamwork Culture Create exciting brand experience Brand

Page 8 BHLB www.berkshirebank.com How We Differentiate Ourselves Profitability Six Sigma service excellence, business sense, productivity, profitability Process Grow the “pool” of customers, products, and cross-sales Relationships

Page 9 BHLB www.berkshirebank.com Creating a Culture of Excitement “I’m So Excited!” – Pointer Sisters’ music and lyrics “America’s Most Exciting Bank” – service mark An exciting, memorable customer experience Employees “live” the brand everyday

Page 10 BHLB www.berkshirebank.com Ongoing Growth in Core Earnings $19.4 $0 $3 $6 $9 $12 $15 $18 $21 2002 2003 2004 2005 2006 2007 Guidance CAGR = 20% Note: De novo branch costs totaled $1.8 million in 2006 and $3.7 million pro forma in 2007. CAGR before de novo costs is 22%. ($ Millions)

Page 11 BHLB www.berkshirebank.com $900 $659 $380 $0 $400 $800 $1,200 $1,600 $2,000 2002 2003 2004 2005 2006 9/30/2007 Commercial Residential Consumer CAGR = 22% Diversified Loan Growth Based on Commercial Loans ($ Millions) $1,939 20% 34% 46%

Page 12 BHLB www.berkshirebank.com $1,036 $424 $336 $0 $400 $800 $1,200 $1,600 $2,000 2002 2003 2004 2005 2006 9/30/2007 Non-maturity Time < $100M Time > $100M CAGR = 18% $1,796 Deposit Growth Built on Core Accounts ($ Millions) 18% 24% 58%

Page 13 BHLB www.berkshirebank.com Net Interest Income Driven by Balance Sheet Growth $64 $0 $10 $20 $30 $40 $50 $60 $70 2002 2003 2004 2005 2006 2007 Guidance CAGR = 9% ($ Millions)

Page 14 BHLB www.berkshirebank.com -1 0 1 2 3 4 2002 Q4 2006 Q4 2007 Q4 Improving the Net Interest Margin Net Interest Margin 3.35–3.40 Guidance Yield Curve 3.15 Note: The yield curve is the difference between the five year treasury yield and the overnight fed funds rate.

Page 15 BHLB www.berkshirebank.com $9 $4 $14 $0 $4 $8 $12 $16 $20 $24 $28 $32 2002 2003 2004 2005 2006 2007 Guidance Deposit & loan fees Wealth management Insurance Emphasis on Fee Income Growth CAGR = 42% ($ Millions) $27

Page 16 BHLB www.berkshirebank.com 58.5% 52% 54% 56% 58% 60% 62% 64% 66% 2002 2003 2004 2005 2006 2007 Q4 Guidance Careful Attention to Operating Efficiencies Before de novo branch costs 60 - 61% Efficiency ratio impacted by insurance and de novo branches Before de novo branch costs and excluding insurance

Page 17 BHLB www.berkshirebank.com Long Run Core EPS Growth $1.32 $1.55 $1.92 $2.11 $2.00 $2.07 $0.00 $0.50 $1.00 $1.50 $2.00 $2.50 2002 2003 2004 2005 2006 2007 Guidance CAGR = 9% (12% before de novo costs) Note: De novo branch expenses (after tax) total $0.14 per share in 2006 and $0.26 per share (guidance) in 2007. GAAP EPS: 2002 - $0.36, 2003 - $1.57, 2004 - $2.01, 2005 - $1.10, 2006 - $1.29, 2007 guidance – $1.62

Page 18 BHLB www.berkshirebank.com Effective Capital Utilization 0% 5% 10% 15% 2002 2003 2004 2005 2006 9/30/2007 Ratio of Tangible Equity/Tangible Assets (Period End) 6.5% Note: GAAP equity assets: 2002 – 11.5%, 2003 – 10.1%, 2004 – 10.1%, 2005 – 12.1%, 2006 – 12.1%, 9/30/07 – 13.4%

Page 19 BHLB www.berkshirebank.com Conservative Asset Quality 0.48% 0.23% 0.00% 0.20% 0.40% 0.60% 0.80% 1.00% 2002 2003 2004 2005 2006 9/30/2007 Nonperforming Assets/Total Assets (period end) Annualized Net Charge-offs/Average Loans

Page 20 BHLB www.berkshirebank.com Compound Annual Growth 2002 – 2007 Guidance 12% Core EPS before de novo costs 9% Core EPS 20% Core earnings 15% Core operating revenue

Page 21 BHLB www.berkshirebank.com Questions __________________________________________ __________________________________________ __________________________________________ __________________________________________ __________________________________________

November 13, 2007 For questions, please contact: David Gonci Corporate Finance Officer (413) 281-1973 dgonci@berkshirebank.com Ann-Marie Racine Investor Relations Contact (413) 236-3239 aracine@berkshirebank.com 22

Page 23 BHLB www.berkshirebank.com Forward Looking Information Statements contained in this presentation contain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Forward-looking statements can be identified by the fact that they do not relate strictly to historical or current facts. They often include words like “believe,” “expect,” “anticipate,” “estimate,” and “intend” or future or conditional verbs such as “will,” “would,” “should,” “could” or “may.” These statements are based on the beliefs and expectations of management. Since these statements reflect the views of management concerning future events, these statements involve risks, uncertainties, and assumptions. These risks and uncertainties include among others: changes in market interest rates and general and regional economic conditions; changes in government regulations; changes in accounting principles; the quality or composition of the loan and investment portfolios; and the achievement of anticipated future earnings benefits from recent acquisitions. In addition, the following factors, among others, could cause actual results to differ materially from the anticipated results or other expectations expressed in the forward-looking statements: adverse governmental or regulatory policies may be enacted; the risks associated with continued diversification of assets and adverse changes to credit quality; and difficulties associated with achieving expected future financial results. Additionally, other risks and uncertainties may be described in the Company’s quarterly reports on Form 10-Q for the quarters ended March 31, June 30, and September 30 and in its annual report on Form 10-K, each filed with the Securities and Exchange Commission, which are available at the Securities and Exchange Commission’s internet website (www.sec.gov) and to which reference is hereby made. Therefore, actual future results may differ significantly from results discussed in these forward-looking statements and undue reliance should not be placed on such statements. The Company assumes no obligation to update any forward-looking statements. This presentation also contains certain forward-looking statements about the merger of Berkshire Hills Bancorp and Factory Point Bancorp. These statements include anticipated future operating results. Certain factors that could cause actual results to differ materially from expected results include delays, difficulties in achieving cost savings from the merger or in achieving such cost savings within the expected time frame, difficulties in integrating Berkshire Hills Bancorp and Factory Point, increased competitive pressures, changes in the interest rate environment, changes in general economic conditions, legislative and regulatory changes that adversely affect the business in which Berkshire Hills Bancorp is engaged, changes in the securities markets and other risks and uncertainties disclosed from time to time in documents that Berkshire Hills Bancorp files with the Securities and Exchange Commission.

Page 24 BHLB www.berkshirebank.com Berkshire Hills Bancorp, Inc. and Subsidiaries Reconciliation of Non-GAAP Financial Measures (Dollars in thousands, except share data) 2002 2003 2004 2005 2006 Net income (A) 2,097 $ 8,965 $ 11,509 $ 8,226 $ 11,263 $ Less: Gain on sale of securities, net (15,143) (3,077) (1,402) (3,532) 3,130 Plus: Termination of ESOP - - - 8,836 - Plus: Other, net 19,857 2,608 653 2,142 6,416 Adj: Income taxes 962 360 261 133 (3,252) Core income (A1) 7,773 8,856 11,021 15,805 17,557 Plus: Amortization of intangible assets (net of taxes) 132 132 64 741 1,363 Tangible core income (B) 7,905 $ 8,988 $ 11,085 $ 16,546 $ 18,920 $ Total non-interest income 6,427 $ 6,448 $ 7,764 $ 14,923 $ 12,048 $ Less: Gain on sale of securities, net (15,143) (3,077) (1,402) (3,532) 3,130 Plus: Other 13,704 2,060 - - - Core non-interest income (C) 4,988 5,431 6,362 11,391 15,178 Net interest income 40,700 37,566 40,357 51,617 60,240 Total core operating revenue (C1) 45,688 $ 42,997 $ 46,719 $ 63,008 $ 75,418 $ Total non-interest expense 37,279 $ 28,243 $ 28,977 $ 48,998 $ 48,868 $ Less: Termination of ESOP - - - (8,836) - Less: Merger and conversion expense - - - (2,142) - Less: Other (6,900) (408) - - (1,510) Core non-interest expense (D1) 30,379 27,835 28,977 38,020 47,358 Less: Amortization of intangible assets (203) (203) (98) (1,140) (2,035) Total core tangible non-interest expense (D2) 30,176 $ 27,632 $ 28,879 $ 36,880 $ 45,323 $ Total average assets (E) 1,051,800 $ 1,115,800 $ 1,289,500 $ 1,745,200 $ 2,116,300 $ Less: Average intangible assets (10,300) (10,300) (8,700) (62,000) (103,200) Total average tangible assets (F) 1,041,500 $ 1,105,500 $ 1,280,800 $ 1,683,200 $ 2,013,100 $ Total average stockholders' equity (G) 136,200 $ 123,100 $ 127,100 $ 196,500 $ 255,700 $ Less: Average intangible assets (10,300) (10,300) (8,700) (62,000) (103,200) Total average tangible stockholders' equity (H) 125,900 $ 112,800 $ 118,400 $ 134,500 $ 152,500 $ Core return on tangible assets (B/F) 0.76 % 0.81 % 0.87 % 0.98 % 0.94 % Core return on tangible equity (B/H) 6.28 7.97 9.36 12.30 12.40 Efficiency ratio 64.55 63.64 60.66 57.03 58.46 Total average diluted shares (in thousands) (I) 5,867 5,703 5,731 7,503 8,730 Net income per diluted share (A/I) $0.36 $1.57 $2.01 $1.10 $1.29 Core income per diluted share (A1/I) $1.32 $1.55 $1.92 $2.11 $2.00 Efficiency Ratio is computed by dividing total tangible core non-interest expense by the sum of total net interest income on a fully taxable equivalent basis and total core non-interest income. The Company uses this common non-GAAP measure to provide important information regarding its operational efficiency. At and for the years ended December 31,