Leases

12 Months Ended

Dec. 31, 2012

Leases [Abstract]

Leases of Lessee Disclosure [Text Block]

LEASES (In Thousands)

At December 31, 2012, Arrow was obligated under a number of noncancellable operating leases for buildings and equipment. Certain of these leases provide for escalation clauses and contain renewal options calling for increased rentals if the lease is renewed.

Rent expense for the years ended December 31, 2012, 2011 and 2010 was as follows:

	2012		2011		2010
Rent Expense	$	597	$	570	$	351

Future minimum lease payments on operating leases at December 31, 2012 were as follows:

	Operating Leases
2013	$	618
2014	603
2015	555
2016	412
2017	320
Later Years	572
Total Minimum Lease Payments	$	3,080

Arrow leases four of its branch offices, at market rates, from Stewart’s Shops Corp.  Mr. Gary C. Dake, President of Stewart’s Shops Corp., serves on both the boards of Arrow and Saratoga National Bank and Trust Company.