COMMITMENTS AND OFF-BALANCE SHEET RISK (Tables)

9 Months Ended

Sep. 30, 2013

Commitments And Contingencies Disclosure [Abstract]

Summary of Contractual Amounts of Financial Instruments with Off-balance Sheet Risk

A summary of the contractual amounts of our financial instruments with off-balance sheet risk at September 30, 2013 and December 31, 2012 follows:

	September 30, 2013		December 31, 2012
Commercial unused lines of credit	$	225,732,000	$	222,237,000
Unused lines of credit secured by 1 – 4 family residential properties		23,430,000		24,250,000
Credit card unused lines of credit		8,555,000		8,512,000
Other consumer unused lines of credit		6,379,000		4,613,000
Commitments to extend credit		92,382,000		64,565,000
Standby letters of credit		20,657,000		10,591,000
	$	377,135,000	$	334,768,000