101 - Disclosure - BASIS OF PRESENTATION link:calculationLink link:definitionLink link:presentationLink link:labelLink link:referenceLink 002 - Statement - CONSOLIDATED BALANCE SHEET link:calculationLink link:definitionLink link:presentationLink link:labelLink link:referenceLink 003 - Statement - CONSOLIDATED BALANCE SHEET (Parenthetical) link:calculationLink link:definitionLink link:presentationLink link:labelLink link:referenceLink 105 - Disclosure - COMPREHENSIVE INCOME link:calculationLink link:definitionLink link:presentationLink link:labelLink link:referenceLink 007 - Statement - CONSOLIDATED STATEMENT OF CASH FLOWS link:calculationLink link:definitionLink link:presentationLink link:labelLink link:referenceLink 005 - Statement - CONSOLIDATED STATEMENT OF CHANGES IN STOCKHOLDERS' EQUITY link:calculationLink link:definitionLink link:presentationLink link:labelLink link:referenceLink 006 - Statement - CONSOLIDATED STATEMENT OF CHANGES IN STOCKHOLDERS' EQUITY (Parenthetical) link:calculationLink link:definitionLink link:presentationLink link:labelLink link:referenceLink 004 - Statement - CONSOLIDATED STATEMENT OF INCOME link:calculationLink link:definitionLink link:presentationLink link:labelLink link:referenceLink 001 - Document - Document and Entity Information link:calculationLink link:definitionLink link:presentationLink link:labelLink link:referenceLink 103 - Disclosure - EARNINGS PER SHARE link:calculationLink link:definitionLink link:presentationLink link:labelLink link:referenceLink 110 - Disclosure - FAIR VALUE MEASUREMENTS link:calculationLink link:definitionLink link:presentationLink link:labelLink link:referenceLink 111 - Disclosure - FAIR VALUE OF FINANCIAL INSTRUMENTS link:calculationLink link:definitionLink link:presentationLink link:labelLink link:referenceLink 106 - Disclosure - INVESTMENT SECURITIES link:calculationLink link:definitionLink link:presentationLink link:labelLink link:referenceLink 109 - Disclosure - LOANS AND RELATED ALLOWANCE FOR LOAN LOSSES link:calculationLink link:definitionLink link:presentationLink link:labelLink link:referenceLink 107 - Disclosure - MORTGAGE-BACKED SECURITIES link:calculationLink link:definitionLink link:presentationLink link:labelLink link:referenceLink 102 - Disclosure - RECENT ACCOUNTING PRONOUNCEMENTS link:calculationLink link:definitionLink link:presentationLink link:labelLink link:referenceLink 104 - Disclosure - STOCK BASED COMPENSATION DISCLOSURE link:calculationLink link:definitionLink link:presentationLink link:labelLink link:referenceLink 108 - Disclosure - UNREALIZED LOSSES ON SECURITIES link:calculationLink link:definitionLink link:presentationLink link:labelLink link:referenceLink