Commitments And Contingencies

6 Months Ended

Jun. 30, 2011

Commitments And Contingencies

Commitments And Contingencies

Note 3. Commitments and Contingencies

The Company's exposure to credit loss in the event of nonperformance by the other party for commitments to extend credit and standby letters of credit is represented by the contractual amount of those instruments. The Company uses the same credit policies in making commitments and conditional obligations as for on-balance sheet instruments. A summary of the Company's commitments at June 30 for the years indicated follows:

(In thousands)	2011		2010
Commitments to extend credit	$	10,559	$	15,208
Standby letters of credit		500		629
Total	$	11,059	$	15,837