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DEPOSITS

12 Months Ended

Dec. 31, 2011

DEPOSITS [Abstract]

9. DEPOSITS

The following table shows the breakdown of deposits by deposit type (dollars in thousands):

	2011	2010
	Amount	Amount
Non-interest-bearing deposits	$ 85,605	$ 75,589
NOW accounts	200,897	176,625
Savings deposits	79,659	61,682
Money market deposit accounts	67,223	50,201
Certificates of deposit	300,609	316,614
Total	$ 733,993	$ 680,711

Certificates of deposit of $100,000 or more amounted to $120,127,000 and $128,696,000 at December 31, 2011 and 2010, respectively. Interest expense on certificates of deposit of $100,000 or more amounted to $2,496,000, $3,095,000, and, $3,353,000 for the years ended December 31, 2011, 2010, and 2009, respectively.

Following are maturities of certificates of deposit as of December 31, 2011 (in thousands):

2012		$ 149,077
2013		54,393
2014		49,310
2015		26,316
2016		19,274
Thereafter		2,239
Total certificates of deposit		$ 300,609

The entire disclosure for deposit liabilities including data and tables. It may include a description of the entity's deposit liabilities, the aggregate amount of time deposits (including certificates of deposit) in denominations of $100,000 or more at the balance sheet date; the aggregate amount of any demand deposits that have been reclassified as loan balances, such as overdrafts, at the balance sheet date; deposits that are received on terms other than those in the normal course of business, the amount of accrued interest on deposit liabilities; securities, mortgage loans or other financial instruments that serve as collateral for deposits; for time deposits having a remaining term of more than one year, the aggregate amount of maturities for each of the five years following the balance sheet date; and the weighted average interest rate for all deposit liabilities held by the entity.

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