FEDERAL HOME LOAN BANK ADVANCES (Tables)

12 Months Ended

Dec. 31, 2012

FEDERAL HOME LOAN BANK ADVANCES [Abstract]

Advances from Federal Home Loan Banks

During 2012, the Banks paid-off all FHLB advances as they matured and there were no borrowings outstanding at December 31, 2012.  At December 31, 2011, advances from these Federal Home Loan Banks were as follows:

	2011
Payments due at maturity in March 2012, fixed rate at 1.81%	$	10,042
Payments due monthly with maturity in July 2012, fixed rate at 4.40%		41
Overnight borrowed funds		-
	$	10,083