COMMITMENTS, CONTINGENCIES, AND CREDIT RISK (Tables)

3 Months Ended

Mar. 31, 2016

COMMITMENTS, CONTINGENCIES, AND CREDIT RISK

Schedule of commitments

These commitments are as follows (dollars in thousands):

	March 31,		December 31,		March 31,
	2016		2015		2015
Commitments to extend credit:
Variable rate	$	53,447	$	53,628	$	42,690
Fixed rate		31,807		26,846		21,713
Standby letters of credit - Variable rate		7,416		6,390		6,310
Credit card commitments - Fixed rate		4,017		3,747		3,367
	$	96,687	$	90,611	$	74,080