DEPOSITS

12 Months Ended

Dec. 31, 2017

Note 7

DEPOSITS

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

(Dollars in Thousands)	2017		2016
NOW Accounts	$	877,820	$	904,014
Money Market Accounts		239,212		252,800
Savings Deposits		335,140		304,680
Time Deposits		143,122		159,610
Total Interest Bearing Deposits	$	1,595,294	$	1,621,104

At December 31, 2017 and 2016, $1.6 million and $1.7 million, respectively, in overdrawn deposit accounts were reclassified as loans.

Time deposits that meet or exceed the FDIC insurance limit of $250,000 totaled $8.2 million and $9.8 million at December 31, 2017 and December 31, 2016, respectively.

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

(Dollars in Thousands)	2017
2018	$	121,821
2019		11,594
2020		5,571
2021		2,323
2022 and thereafter		1,813
Total	$	143,122

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

(Dollars in Thousands)	2017		2016		2015
NOW Accounts	$	1,094	$	292	$	254
Money Market Accounts		252		120		134
Savings Deposits		159		144		126
Time Deposits < $250,000		274		306		377
Time Deposits > $250,000		10		17		53
Total	$	1,789	$	879	$	944