COMMITMENTS AND CONTINGENCIES AND OTHER MATTERS (Tables)

12 Months Ended

Dec. 31, 2012

COMMITMENTS AND CONTINGENCIES AND OTHER MATTERS

Schedule of projected minimum rentals under existing operating leases

Year
(In thousands)
2013	$	1,658
2014	1,876
2015	1,590
2016	1,446
2017	1,391
Thereafter	11,455
Total minimum rentals	$	19,416

Schedule of commitments outstanding

December 31,	2012		2011
(In thousands)
Standby letters of credit	$	3,800	$	3,130
Loan commitments outstanding (1)	64,336		45,841
Unused lines of credit	183,183		155,209
Total commitments outstanding	$	251,319	$	204,180

(1)   Of the $64.3 million of loan commitments outstanding at December 31, 2012, $21.3 million are fixed rate

commitments and $43.0 million are variable rate commitments.