BORROWINGS

Borrowings as of September 30, 2011 and December 31, 2010 consisted of an FHLB borrowing of $0.7 million with an interest rate of 0.50% which matures in 2020.



(Dollars in thousands)	September 30, 2011
(Unaudited)	Amount		Maturity Date	Rate
Fixed Rate Note	$	730	2020	0.50	%



	December 31, 2010
	Amount		Maturity Date	Rate
Fixed Rate Note	$	745	2020	0.50	%

The Company has federal funds lines of credit with three correspondent banks totaling $12.0 million. The Company periodically tests its federal funds lines of credit with these correspondent banks. These lines were tested in the quarter ended September 30, 2011. The Company had unused borrowing capacity with the FHLB of $8.6 million and $10.2 million, respectively, as of September 30, 2011 and December 31, 2010.