The contractual amounts of financial instruments with off-balance-sheet risk at year end were as follows:

 

(Dollars in thousands)		December 31, 2013						December 31, 2012
		Fixed			Variable			Fixed			Variable
		Rate			Rate			Rate			Rate
Commitments to make loans		$	-		$	2,300		$	71		$	2,833
Unused lines of credit			-			68,450			-			71,181
Standby letters of credit			-			5,594			-			6,355
		$	-		$	76,344		$	71		$	80,369