EXPENSES

12 Months Ended

Dec. 31, 2011

EXPENSES [Abstract]

EXPENSES

(14)           EXPENSES

The following expenses, which exceeded 1% of total revenues (total interest income plus other operating income) in at least one of the years presented, are included in other operating expenses:

	2011		2010		2009
Marketing and advertising	$	1,037,416	$	929,606	$	712,842
Professional services		1,124,869		1,075,823		768,039