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FINANCIAL INSTRUMENTS WITH OFF-BALANCE SHEET RISK (Tables)

12 Months Ended

Dec. 31, 2013

At December 31, 2013 and 2012, the Banks had the following financial instruments whose approximate contract amounts represent credit risk:

	2013		2012
Standby letters of credit	$	6,084	$	5,518

Commitments to extend credit
Fixed	$	12,040	$	7,830
Variable		52,576		43,256