15. LEASE COMMITMENTS

The Company's obligation for future minimum lease payments on operating leases at December 31, 2013, is as follows:


YEAR:	FUTURE MINIMUM LEASE PAYMENTS
	(IN THOUSANDS)
2014	$	712
2015		682
2016		625
2017		511
2018		366
2019 and thereafter		1,931

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 $764,000, $785,000 and $665,000, in 2013, 2012, and 2011, 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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