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Banks -- FirstBank Virgin Islands (tel 340/776-6882; www.firstbankvi.com) has full-service bank and ATM in Cruz Bay. Scotiabank (tel 340/776-6552; www.scotiabank.com) has a full-service location in Marketplace.

Business Hours -- Stores are generally open Monday to Friday 9am to 5pm, Saturday 9am to 1pm.

Dentists -- The Virgin Islands Dental Association (tel 340/775-9110) is a member of the American Dental Association and is also linked with various specialists.

Doctors -- Call tel 911 for a medical emergency. Otherwise, go to Myrah Keating Smith Community Health Center, 3B Sussanaberg (tel 340/693-8900), which has a helipad for serious emergencies. The nearest hospital is in St. Thomas.

Drugstores -- Chelsea Drug Store, Marketplace Shopping Center, Route 104, Cruz Bay (tel 340/776-4888), is open Monday to Saturday 8:30am to 6:30pm and Sunday 9:30am to 4:30pm.

Emergencies -- For the police, an ambulance, or in case of fire, call tel 911.

Maps --  Newspapers & Magazines -- [“]What to Do: St. Thomas + St. John,” the official guidebook of the St. Thomas and St. John Hotel Association, is available at the tourist office and at hotels. The Virgin Island Daily News covers the news in all the U.S. Virgin Islands.

Post Office -- The Cruz Bay Post Office is at Cruz Bay (tel 340/779-4227).

Safety -- There is some crime here, but it’s relatively minor compared to St. Thomas. Most crime against tourists consists of muggings or petty theft, but rarely violent attacks. Precautions, of course, are always advised. You are most likely to be the victim of a crime if you leave valuables unguarded on Trunk Bay, as hundreds of people seem to do every year.

Taxes -- The only local tax is an 10 percent surcharge added to all hotel rates.

Telephone -- All island phone numbers have seven digits. It is not necessary to use the 340 area code when dialing within St. John. Make long-distance, international, and collect calls as you would on the U.S. mainland by dialing 0 or your long-distance provider.

Note: This information was accurate when it was published, but can change without notice. Please be sure to confirm all rates and details directly with the companies in question before planning your trip.