LOANS - Composition of loans receivable and loans held-for-sale (Details) (USD $) In Thousands, unless otherwise specified	Jun. 30, 2012	Dec. 31, 2011
Notes to Financial Statements
Residential 1-4 family	$ 194,784	$ 187,676
Residential 5+ multifamily	3,583	3,187
Construction of residential 1-4 family	2,478	5,305
Home equity credit	35,584	34,621
Residential real estate	236,429	230,789
Commercial	83,227	81,958
Construction of commercial	7,969	7,069
Commercial real estate	91,196	89,027
Farm land	3,818	4,925
Vacant land	11,489	12,828
Real estate secured	342,932	337,569
Commercial and industrial	30,678	29,358
Municipal	2,689	2,415
Consumer	4,085	4,496
Loans receivable, gross	380,384	373,838
Deferred loan origination fees and costs, net	1,036	1,004
Allowance for loan losses	(4,208)	(4,076)
Loans receivable, net	377,212	370,766
Loans held-for-sale
Residential 1-4 family	$ 3,155	$ 948

Commercial And Industrial Composition Of Loans.

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Commercial Real Estate Gros sComposition Of Loans.

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Construction Of Residential 1-4 Family Composition Of Loans.

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Consumer Composition Of Loans.

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Farm Land Composition Of Loans.

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Municipal Composition Of Loans.

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Real Estate Secured Composition Of Loans.

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Residential 1-4 Family Composition Of Loans.

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Residential 1-4 Family Held For Sale Composition Of Loans.

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Residential 5+ Multifamily Composition Of Loans.

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Vacant Land Composition Of Loans.

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The reserve to cover probable credit losses related to specifically identified fixed maturity real estate loans as well as probable credit losses inherent in the remainder of that loan portfolio.

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For an unclassified balance sheet, the carrying amount (net of accumulated amortization) as of the balance sheet date of capitalized costs associated with the issuance of debt instruments (for example, legal, accounting, underwriting, printing, and registration costs) that will be charged against earnings over the life of the debt instruments to which such costs pertain.

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Amount before allowance of revolving, open-end loan, extended under a line of credit and secured by the borrower's residential property. Includes deferred interest and fees, undisbursed portion of loan balance, unamortized costs and premiums and discounts from face amounts. Excludes loans and leases covered under loss sharing agreements.

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Amount before allowance of consumer real estate loans. Includes, but not limited to, construction financing, residential mortgage loans, and home equity lines of credit. Includes deferred interest and fees, undisbursed portion of loan balance, unamortized costs and premiums and discounts from face amounts. Excludes loans and leases covered under loss sharing agreements.

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Amount before allowance of loans and leases held in portfolio, including but not limited to, commercial and consumer loans. Includes deferred interest and fees, undisbursed portion of loan balance, unamortized costs and premiums and discounts from face amounts. Excludes loans and leases covered under loss sharing agreements.

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Amount before allowance of commercial construction loans. Includes deferred interest and fees, undisbursed portion of loan balance, unamortized costs and premiums and discounts from face amounts. Excludes loans covered under loss sharing agreements.

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Amount before allowance of commercial loans issued to businesses to acquire, develop, construct, improve, or refinance land or building. Includes deferred interest and fees, undisbursed portion of loan balance, unamortized costs and premiums and discounts from face amounts. Excludes loans covered under loss sharing agreements.

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Total of loans held-for-sale and held-in-portfolio net of unearned income, allowance for loan and lease losses, if any, unamortized loan origination and other fees and costs, and purchased premiums or discounts.

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