INCOME TAXES (Details 2) (USD $)	Dec. 31, 2012	Dec. 31, 2011
Components of net deferred tax asset
Allowance for loan and lease losses	$ 6,603,000	$ 7,299,000
Deferred compensation	2,517,000	2,497,000
Unrealized holding losses on securities available-for-sale		2,044,000
Other-than-temporary impairment		577,000
Other real estate owned valuation	932,000	1,308,000
Deferred intangible assets	1,602,000	1,735,000
Employee benefits	41,000	39,000
Accrued interest	1,441,000	1,126,000
AMT tax credits	2,215,000	2,215,000
Fixed asset valuation	407,000	407,000
Charitable contribution carryover	312,000	217,000
Accrued rent expense	213,000	210,000
Accrued vacation	51,000
Accrued real estate taxes	14,000	175,000
Depreciation		13,000
Net operating loss carryover	18,422,000	10,104,000
Gross deferred tax assets	34,770,000	29,966,000
Deferred loan origination fees	(34,000)	(77,000)
Unrealized holding gains on securities available-for-sale	(3,451,000)
Depreciation	(254,000)
Gross deferred tax liabilities	(3,739,000)	(77,000)
Net deferred asset before valuation allowance	31,031,000	29,889,000
Valuation allowance	(34,482,000)	(27,845,000)
Net deferred tax (liabilities) assets	(3,451,000)	2,044,000
Refundable federal income taxes	11,637,000	11,612,000
Valuation allowance related to the unrealized holding losses on securities available-for-sale		0
Net operating loss carryovers	54,200,000
Charitable contribution carryovers	$ 917,000