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Note 9 - Short-Term Borrowings
 12 Months Ended
Dec. 31, 2012
Short-term Debt [Text Block]
9.    SHORT-TERM BORROWINGS

The year ended December 31 outstanding balances and related information of short-term borrowings, which includes securities sold under agreements to repurchase and short-term borrowings from other banks, are summarized as follows:

(Dollar amounts in thousands)
 
2012
   
2011
   
2010
 
                   
Balance at year-end
  $ 6,538     $ 7,392     $ 7,632  
Average balance outstanding
    7,005       7,276       7,320  
Maximum month-end balance
    7,458       7,552       8,178  
Weighted-average rate at year-end
    2.97 %     3.14 %     3.10 %
Weighted-average rate during the year
    3.15 %     3.23 %     3.40 %

Average balances outstanding during the year represent daily average balances, and average interest rates represent interest expense divided by the related average balance.

The Company maintains a $4,000,000 line of credit at an adjustable rate, currently 3.71 percent, and a $3,000,000 line of credit at an adjustable rate, currently at 4.00 percent. At December 31, 2012, 2011, and 2010, outstanding borrowings under these lines were $4,900,000, $5,700,000, and $5,700,000, respectively.