Annual report pursuant to Section 13 and 15(d)

COMMITMENTS AND OFF-BALANCE-SHEET RISK (Tables)

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COMMITMENTS AND OFF-BALANCE-SHEET RISK (Tables)
12 Months Ended
Dec. 31, 2012
COMMITMENTS AND OFF-BALANCE-SHEET RISK [Abstract]  
Summary of contractual amounts of financial instruments with off-balance-sheet risk
A summary of the contractual amounts of financial instruments with off-balance-sheet risk was as follows at year-end (dollars in thousands):
 
   
2012
   
2011
 
Commitments to make loans
  $ 75,319     $ 60,890  
Letters of credit
    8,200       3,245  
Unused lines of credit
    276,620       230,674