CASH AND DUE FROM BANKS

12 Months Ended

Dec. 31, 2011

CASH AND DUE FROM BANKS [Abstract]

CASH AND DUE FROM BANKS

5. CASH AND DUE FROM BANKS

We are required to maintain cash reserve balances with the Federal Reserve Bank.  The reserve balances were $250,000 as of December 31, 2011 and 2010.