Note 10- Deposits

A summary of deposit accounts with the corresponding weighted average cost of funds are presented below (dollar amounts in thousands):

	As of December 31, 2012					As of December 31, 2011
	Deposit Balance		Wtd Avg Rate			Deposit Balance		Wtd Avg Rate
Checking (noninterest)	$	31,427		0.00	%	$	26,907		0.00	%
NOW (interest)		28,540		0.10			22,332		0.09
Savings		27,174		0.08			22,092		0.10
Money market		86,149		0.32			95,029		0.58
Time deposits		134,986		1.33			129,968		1.53
Escrow(1)		3,807		0.00			3,669		0.00
Total	$	312,083		0.69	%	$	299,997		0.87	%

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(1) Escrow balances shown in noninterest-bearing deposits on the consolidated balance sheets

Scheduled maturities of time deposits at December 31, 2012 are as follows:

YEAR ENDING
DECEMBER 31,	AMOUNT
	(in thousands)
2013	$	73,477
2014		37,584
2015		6,738
2016		6,800
Thereafter		10,387
	$	134,986

Savings accounts, checking accounts, money market accounts, and individual retirement savings accounts have no contractual maturity. Certificate accounts have maturities of five years or less.

The aggregate amount of time deposits in denominations of $100,000 or more at December 31, 2012 and 2011 was approximately $82.5 million and $74.9 million, respectively. Deposits in excess of $250,000 are not federally insured, except for non-interest demand deposits, which were fully insured until December 31, 2012.

Deposits from related parties held by the Company at December 31, 2012 and 2011, respectively, were $7.3 million and $7.3 million.