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DEPOSITS

12 Months Ended

Dec. 31, 2013

DEPOSITS [Abstract]

8. DEPOSITS

The following table shows the breakdown of deposits as of December 31, 2013 and 2012, by deposit type (dollars in thousands):

	2013	2012
Non-interest-bearing deposits	$ 85,585	$ 89,494
NOW accounts	215,656	201,804
Savings deposits	95,678	87,836
Money market deposit accounts	85,038	83,423
Certificates of deposit	266,359	274,539
Total	$ 748,316	$ 737,096

Certificates of deposit of $100,000 or more amounted to $117,942,000 and $113,479,000 at December 31, 2013 and 2012, respectively. Interest expense on certificates of deposit of $100,000 or more amounted to $1,516,000, $1,819,000 and $2,496,000, for the years ended December 31, 2013, 2012, and 2011, respectively.

Following are maturities of certificates of deposit as of December 31, 2013 (in thousands):

	2014		$ 133,491
	2015		55,317
	2016		36,051
	2017		19,955
	2018		16,323
	Thereafter		5,222
	Total certificates of deposit		$ 266,359

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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