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COMMITMENTS AND CONTINGENCIES (Tables) | 12 Months Ended
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Dec. 31, 2012
Summary of Commitments to Extend Credit | The following is a summary of the commitments to extend credit at December 31, 2012 and 2011:
(In thousands) |  | 2012 |  |  | 2011 |
Loan commitments: |  |  |  |  |  |  |  |
Fixed rate |  | $ | 1,554 |  |  | $ | 1,113 |
Adjustable rate |  |  | 11,640 |  |  |  | 1,366 |
Unused lines of credit on credit cards |  |  | 2,981 |  |  |  | 2,942 |
Undisbursed commercial and personal lines of credit |  |  | 17,413 |  |  |  | 15,748 |
Undisbursed portion of construction loans in process |  |  | 4,306 |  |  |  | 4,768 |
Undisbursed portion of home equity lines of credit |  |  | 18,086 |  |  |  | 16,685 |
Total commitments to extend credit |  | $ | 55,980 |  |  | $ | 42,622 |

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