DEPOSITS

Deposits consist of the following major classifications:

	June 30, 2016					December 31, 2015
			Weighted					Weighted
			Average					Average
	Amount		Interest Rate			Amount		Interest Rate
	(Dollars in thousands)
NOW and other demand deposit accounts	$	438,196		0.13	%	$	457,488		0.13	%
Passbook savings and club accounts		180,438		0.20	%		174,640		0.20	%
Subtotal		618,634					632,128
Certificates with original maturities:
Within one year		25,887		0.30	%		29,341		0.30	%
One to three years		139,453		0.98	%		127,813		1.03	%
Three years and beyond		22,727		1.51	%		22,751		1.56	%
Total certificates		188,067					179,905
Total	$	806,701				$	812,033

The aggregate amount of certificate accounts in denominations of $100 thousand or more at June 30, 2016 and December 31, 2015 amounted to $77.4 million and $70.6 million, respectively. Currently, deposits in excess of $250 thousand are generally not federally insured.

Municipal demand deposit accounts in denominations of $100 thousand or more at June 30, 2016 and December 31, 2015 amounted to $163.9 million and $194.6 million, respectively.