CREDIT QUALITY INDICATORS (Tables)

3 Months Ended

Mar. 31, 2013

Credit Quality Indicators [Abstract]

Financing Receivable Credit Quality Indicators [Table Text Block]

The following tables present the risk category of loans by class of loans based on the most recent analysis performed at March 31, 2013 and December 31, 2012.

Commercial Credit Exposure (Dollar amounts in thousands)

Credit risk profile by credit worthiness category

									Commercial				Commercial
	Commercial				Commercial				Real Estate				Real Estate
	Operating				Agricultural				1-4 Family				Other
Category	03/31/13		12/31/12		03/31/13		12/31/12		03/31/13		12/31/12		03/31/13		12/31/12
Pass	$	24,571	$	27,636	$	28,842	$	32,416	$	35,699	$	36,248	$	85,179	$	78,586
6		0		0		0		0		0		0		2,485		4,667
7		1,558		1,388		0		0		2,777		2,812		6,115		9,793
8		0		0		0		0		0		0		0		0
Total	$	26,129	$	29,024	$	28,842	$	32,416	$	38,476	$	39,060	$	93,779	$	93,046

Residential Real Estate Credit Exposure (Dollar amounts in thousands)

Credit risk by credit worthiness category

	Residential				Residential
	Real Estate, Construction				Real Estate, Other
Category	03/31/13		12/31/12		03/31/13		12/31/12
Pass	$	3,000	$	3,051	$	11,874	$	11,582
6		0		0		146		147
7		71		71		1,198		1,278
8		0		0		0		0
Total	$	3,071	$	3,122	$	13,218	$	13,007

Consumer Credit Exposure (Dollar amounts in thousands)

Credit risk by credit worthiness category

	Consumer - Equity				Consumer – Auto				Consumer - Other
Category	03/31/13		12/31/12		03/31/13		12/31/12		03/31/13		12/31/12
Pass	$	18,344	$	19,091	$	5,745	$	6,225	$	11,770	$	11,961
6		0		32		0		0		4		5
7		290		275		11		14		62		66
8		0		0		0		0		0		0
Total	$	18,634	$	19,398	$	5,756	$	6,239	$	11,836	$	12,032