BORROWINGS (Tables)

12 Months Ended

Dec. 31, 2012

BORROWINGS

Schedule of borrowings

	Year Ended December 31, 2012
	Balance		Rate		Average balance		Weighted
	at year end		at year end		for the year		average rate
FHLB-advances-fixed	$	68,000,000	2.81	%	$	69,900,000	2.78	%
	$	68,000,000			$	69,900,000

	Year Ended December 31, 2011
	Balance		Rate		Average balance		Weighted
	at year end		at year end		for the year		average rate
FHLB-advances-fixed	$	76,000,000	2.64	%	$	76,000,000	2.64	%
Daily Rate Credit	8,000,000		0.36	%	1,655,000		0.37	%
	$	84,000,000			$	77,655,000

Schedule of maturities of fixed rate advances

Year ending December 31,	Total
2013	$	22,000,000
2014	20,000,000
2015	—
2016	—
2017	26,000,000
and thereafter	—
Total	$	68,000,000

Schedule of changes in FHLB Borrowings

FHLB Borrowings

Beginning Balance at December 31, 2011	$	84,000
Matured	(8,000		)
Repayment of daily rate credit	(8,000		)
New advances	—
Ending Balance at December 31, 2012	$	68,000