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Subject and purpose of work: The aim of the work is to define the importance of banks in the development of agricultural holdings and the role they play in rural environment. Materials and methods: The relevant material was analysed on the basis of domestic literature concerning a range of banking products offered to natural and legal persons and by the inductivedeductive method. Results: The source of data used for conducting the analyses and drawing conclusions is the information obtained from the Cooperative Bank in Bielsk Podlaski. Conclusions: 1. The goal of cooperative banks is to provide the inhabitants of villages with access to banking services, including credits with attractive interest rates. 2. The services of a cooperative bank are most frequently used by farmers, craftsmen and teachers. 3. In Poland, cooperative banks operate on the basis of: the Foreign Exchange Act, the Payment Services Act, the Act on Freedom of Economic Activities, the Act on the National Bank of Poland, the Act on the National Guarantee Fund, the Law on Bankruptcy and the Rehabilitation Act, as well as on the resolutions of the Management Board of the National Bank of Poland.
The Rural Development Programme (RDP) for 2007-2013 is the continuation of previous activities (RDP 2004-2006) the objective of which is to develop and improve the quality of life in rural areas. The aim of the article is the evaluation of performance of the Rural Development Programme for 2008-2010 performed in Bielsk County within the ecological agriculture package with respect to agri-environmental programme. The evaluation includes financial and quantitative analysis of programme performance of ecological agriculture. It presents averaged financial transfers to ecological farms of each commune of the Bielsk County. The survey covered the following rural communes of the County: Bielsk Podlański, Brańsk, Wyszki, Rudka, Boćki, Orla. These communes are of typical agricultural nature, with the large ecological potential and the possibility of obtaining the funds from the European Union. The ecological aspect was also significant due to a slight distance of the analyzed farms from the Białowieża Forest.
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