0000950123-09-065571 S-3 9 20091124 20091124 BERKSHIRE HILLS BANCORP INC 0001108134 6036 043510455 1231 S-3 33 333-163308 091204288 24 NORTH ST. PITTSFIELD MA 01201 4134435601 24 NORTH ST PITTSFIELD MA 01201 S-3 1 b77873sv3.htm BERKSHIRE HILLS BANCORP, INC. FORM S-3 EX-4.(A) 2 b77873exv4wxay.htm EX-4.(A) FORM OF INDENTURE FOR SENIOR DEBT SECURITIES EX-4.(C) 3 b77873exv4wxcy.htm EX-4.(C) FORM OF INDENTURE FOR SUBORDINATED DEBT SECURITIES EX-5 4 b77873exv5.htm EX-5 OPINION OF LUSE GORMAN POMERENK & SCHICK EX-12 5 b77873exv12.htm EX-12 COMPUTATION OF CONSOLIDATED RATIO OF EARNINGS TO FIXED CHARGES EX-23.(A) 6 b77873exv23wxay.htm EX-23.(A) CONSENT OF WOLF & COMPANY, P.C. EX-25.(A) 7 b77873exv25wxay.htm EX-25.(A) FORM T-1 STATEMENT OF ELIGIBILITY EX-25.(B) 8 b77873exv25wxby.htm EX-25.(B) FORM T-1 STATEMENT OF ELIGIBILITY GRAPHIC 9 b77873b7787300.gif GRAPHIC