SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

o

Rule 13d-1(b)

x

Rule 13d-1(c)

o

Rule 13d-1(d)

CUSIP No. 795226109

1.

Name of Reporting Persons
I.R.S. Identification No. of Above Persons (Entities Only)
Andrew T. Dwyer

2.

Check the Appropriate Box if a Member of a Group*

(a)

o

(b)

x

3.

SEC Use Only

4.

Citizenship or Place of Organization
United States of America

Number of
Shares
Beneficially
Owned by
Each
Reporting
Person With

5.

Sole Voting Power:
67,727

6.

Shared Voting Power:
17,000

7.

Sole Dispositive Power:
67,727

8.

Shared Dispositive Power:
17,000

9.

Aggregate Amount Beneficially Owned by Each Reporting Person:
84,727

10.

Check Box if the Aggregate Amount in Row (9) Excludes Certain Shares*  o

11.

Percent of Class Represented by Amount in Row 9
5.0%

12.

Type of Reporting Person*
IN

Item 1(a)

Name of Issuer:
Salisbury Bancorp, Inc.

Item 1(b)

Address of Issuer’s Principal Executive Offices:
5 Bissell Street
Lakeville, CT  06039

Item 2(a)

Name of Person(s) Filing:
Andrew T. Dwyer

Item 2(b)

Address of Principal Business Office or, if none, Residence:
c/o Airlie Group
115 East Putnam Avenue
Greenwich, CT  06830

Item 2(c)

Citizenship or Place of Organization
United States

Item 2(d)

Title of Class of Securities:
Common Stock, par value $0.10 per share

Item 2(e)

CUSIP Number:
795226109

Item 3

If this statement is filed pursuant to Rules 13d-1(b), or 13d-2(b) or (c), check whether the person filing is a:

(a)

o

Broker or dealer registered under section 15 of the Exchange Act;

(b)

o

Bank as defined in section 3(a)(6) of the Exchange Act;

(c)

o

Insurance company as defined in section 3(a)(19) of the Exchange Act;

(d)

o

Investment company registered under section 8 of the Investment Company Act;

(e)

o

An investment adviser in accordance with Rule 13d-1(b)(1)(ii)(E);

(f)

o

An employee benefit plan, or endowment fund in accordance with Rule 13d-1(b)(l)(ii)(F);

(g)

o

A parent holding company, or control person, in accordance with Rule 13d-1(b)(1)(ii)(G);

(h)

o

A savings association as defined in Section 3(b) of the Federal Deposit Insurance Act;

(i)

o

A church plan that is excluded from the definition of an investment company under section 3(c)(14) of the Investment Company Act;

(j)

o

Group, in accordance with Rule 13d–1(b)(1)(ii)(J).

Item 4

Ownership:

See Rows 5 through 9 and 11 on page 2.

Of the 84,727 shares of common stock of Salisbury Bancorp, Inc. reported as beneficially owned by Andrew T. Dwyer in this Schedule 13G, (i) 16,726 shares are owned by Cinanelle, LLC, of which Dr. Dwyer is the sole Manager, (ii) 42,951 shares are owned by Janney Montgomery & Scott, Inc., as custodian under IRA fbo Andrew T. Dwyer (the “IRA”), (iii) 8,050 shares are owned by Janney Montgomery & Scott, Inc., as custodian under SEP fbo Andrew T. Dwyer (the “SEP”), and (iv) 17,000 are owned by Cynthia Dwyer, Mr. Dwyer’s wife.  Mr. Dwyer disclaims beneficial ownership of the 17,000 shares held by his wife. Mr. Dwyer possesses sole voting and dispositive control over the shares of Salisbury Bancorp, Inc. common stock held by Cinanelle, LLC, the IRA and the SEP.

Item 5

Ownership of Five Percent or Less of a Class:

N/A

Item 6

Ownership of More than Five Percent on Behalf of Another Person:

N/A

Item 7

Identification and Classification of the Subsidiary Which Acquired the Security Being Reported on By the Parent Holding Company:

N/A

Item 8

Identification and Classification of Members of the Group:

N/A

Item 9

Notice of Dissolution of Group:

N/A

Item 10

Certification

By signing below I certify that, to the best of my knowledge and belief, the securities referred to above were acquired and are held in the ordinary course of business and were not acquired and are not held for the purpose of or with the effect of changing or influencing the control of the issuer of the securities and were not acquired and are not held in connection with or as a participant in any transaction having that purpose or effect.

February 4, 2010

Date

/s/ Andrew T. Dwyer

Andrew T. Dwyer