DEPOSITS

12 Months Ended

Dec. 31, 2016

Note 7

DEPOSITS

The composition of the Company's interest bearing deposits at December 31 was as follows:

(Dollars in Thousands)	2016		2015
NOW Accounts	$	904,014	$	848,330
Money Market Accounts		252,800		248,367
Savings Deposits		304,680		269,162
Other Time Deposits		159,610		178,707
Total Interest Bearing Deposits	$	1,621,104	$	1,544,566

At December 31, 2016 and 2015, $1.7 million and $1.2 million, respectively, in overdrawn deposit accounts were reclassified as loans.

Time deposits that meet or exceed the FDIC insurance limit of $250,000 totaled $9.8 million and $10.4 million at December 31, 2016 and December 31, 2015, respectively.

At December 31, the scheduled maturities of time deposits were as follows:

(Dollars in Thousands)	2016
2017	$	134,251
2018		16,117
2019		5,209
2020		1,877
2021 and thereafter		2,156
Total	$	159,610

Interest expense on deposits for the three years ended December 31, was as follows:

(Dollars in Thousands)	2016		2015		2014
NOW Accounts	$	292	$	254	$	318
Money Market Accounts		120		134		190
Savings Deposits		144		126		112
Time Deposits < $250,000		306		377		463
Time Deposits > $250,000		17		53		16
Total	$	879	$	944	$	1,099