TRANSACTIONS WITH DIRECTORS AND EXECUTIVE OFFICERS

12 Months Ended

Dec. 31, 2012

TRANSACTIONS WITH DIRECTORS AND EXECUTIVE OFFICERS

12.    TRANSACTIONS WITH DIRECTORS AND EXECUTIVE OFFICERS

We have had, and expect to have in the future, loans with our directors and executive officers.  Such loans, in our opinion, do not include more than the normal risk of collectability or other unfavorable features.  Following is a summary of activity for such loans:

	Years Ended December 31,
	2012			2011
	(In thousands)
Balance at beginning of year	$	19,518		$	15,310
Principal distributions		1,063			8,319
Repayments of principal		(4,317	)		(7,337	)
Change in related party status		-			3,226
Balance at end of year	$	16,264		$	19,518