FINANCIAL INSTRUMENTS WITH OFF-BALANCE SHEET RISK (Tables)

9 Months Ended

Sep. 30, 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)	September 30, 2016		December 31, 2015
Undisbursed loan commitments	$	212,053	$	201,839
Standby letters of credit		2,865		2,807
Commitments to sell loans		6,392		655
	$	221,310	$	205,301