FINANCIAL INSTRUMENTS WITH OFF-BALANCE SHEET RISK (Tables)

3 Months Ended

Mar. 31, 2016

FINANCIAL INSTRUMENTS WITH OFF-BALANCE SHEET RISK [Abstract]

Financial Instruments Whose Contract Amount Represent Credit Risk

Financial instruments, whose contract amounts represent credit risk at the indicated periods, were as follows:

(in thousands)	March 31, 2016		December 31, 2015
Undisbursed loan commitments	$	213,574	$	201,839
Standby letters of credit		2,860		2,807
Commitments to sell loans		950		655
	$	217,384	$	205,301