Leominster, Mass.-based Fidelity Co-operative Bank and Fitchburg, Mass.-based Family Federal Savings F.A. merged under Fidelity's charter on Jan. 1.

Family Federal Savings systems will be converted to Fidelity systems on Feb. 22 and Feb. 23.

Fidelity Co-operative Bank is a unit of Life Design Holding Co., which is a unit of Fidelity Mutual Holding Co.