COMMITMENTS, CONTINGENCIES AND CONCENTRATIONS (Tables)

12 Months Ended

Dec. 31, 2012

COMMITMENTS, CONTINGENCIES AND CONCENTRATIONS

Schedule of minimum future obligations under non-cancelable leases

At December 31, 2012, the Company was obligated under certain non-cancelable leases with initial or remaining terms of one year or more.  Minimum future obligations under non-cancelable leases in effect at December 31, 2012 are as follows:

	Minimum Future Lease Payments
(in thousands)	Facilities		Equipment		Total
2013	$	564	$	56	$	620
2014	485		31		516
2015	196		17		213
2016	161		—		161
2017	124		—		124
2018 and thereafter	541		—		541
Total	$	2,071	$	104	$	2,175

Schedule of financial instruments whose contract amounts represent credit risk

	December 31,
(in thousands)	2012		2011
Commitments to extend credit	$	166,722	$	138,715
Standby letters of credit	35,277		36,286

Schedule of bank's loan portfolio concentrations

	December 31, 2012			December 31, 2011
(in thousands)	Amount	% of gross loans		Amount	% of gross loans
Land subdivision	17,658	2.95	%	19,626	2.89	%
Shopping centers/complexes	21,068	3.52	%	18,722	2.76	%
Gas stations	5,245	0.88	%	17,118	2.52	%
Office complexes/units	9,801	1.64	%	16,091	2.37	%
Solid waste landfills	13,233	2.21	%	42,270	6.22	%
Hotels	13,596	2.27	%	13,771	2.03	%