15. LEASE COMMITMENTS

The Company's obligation for future minimum lease payments on operating leases at December 31, 2012, is as follows:


YEAR:	FUTURE MINIMUM LEASE PAYMENTS
	(IN THOUSANDS)
2013	$	760
2014		564
2015		556
2016		498
2017		383
2018 and thereafter		1,975

In addition to the amounts set forth above, certain of the leases require payments by the Company for taxes, insurance, and maintenance. Rent expense included in total non-interest expense amounted to $785,000, $665,000 and $502,000, in 2012, 2011, and 2010, respectively.

- Definition

The entire disclosure for lessee entity's leasing arrangements including, but not limited to, all of the following: (a.) The basis on which contingent rental payments are determined, (b.) The existence and terms of renewal or purchase options and escalation clauses, (c.) Restrictions imposed by lease agreements, such as those concerning dividends, additional debt, and further leasing.

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