SERVICE FEES, CHARGES AND OTHER OPERATING INCOME AND OTHER OPERATING EXPENSE

12 Months Ended

Dec. 31, 2011

SERVICE FEES, CHARGES AND OTHER OPERATING INCOME AND OTHER OPERATING EXPENSE [Abstract]

SERVICE FEES, CHARGES AND OTHER OPERATING INCOME AND OTHER OPERATING EXPENSE

NOTE 18-SERVICE FEES, CHARGES AND OTHER OPERATING INCOME AND OTHER OPERATING EXPENSE

	For the years ended December 31,
	2011		2010
	(in thousands)
Service fees, charges and other operating income
Loan servicing fees, net	$	25	$	235
Late charge income		110		122
Deposit service charges		666		777
Debit card income		512		415
Other income		385		409
	$	1,698	$	1,958
Other operating expense
Insurance and surety bond	$	192	$	190
Office supplies		164		161
Loan expense		310		310
Debit card and ATM expense		245		237
Postage		231		275
Telephone		261		265
Supervisory examination fees		169		171
Other expenses		625		593
	$	2,197	$	2,202