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Financial Instruments with Off-Balance Sheet Risk (Tables)

6 Months Ended

Jun. 30, 2012

Financial instruments whose contractual amounts represent credit risk at June 30, 2012 are as follows:


Commitments to extend credit:
Future loan commitments	$	35,782,667
Home equity lines of credit		30,738,527
Unused lines of credit		37,402,837
Undisbursed construction loans		4,304,731
Financial standby letters of credit		7,000

	$	108,235,762