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LOANS - Changes in the allowance for loan losses (Details) (USD $)
In Thousands, unless otherwise specified
3 Months Ended 6 Months Ended
Jun. 30, 2012
Jun. 30, 2011
Jun. 30, 2012
Jun. 30, 2011
Beginning balance
       
Residential $ 1,500 $ 1,462 $ 1,479 $ 1,504
Commercial 1,061 1,343 1,139 1,132
Land 339 296 409 392
Real estate 2,900 3,101 3,027 3,028
Commercial & industrial 778 531 704 541
Municipal 28 55 24 51
Consumer 132 167 79 164
Unallocated 328 124 242 136
Totals 4,166 3,978 4,076 3,920
Provision
       
Residential 95 139 134 197
Commercial 214 (9) 135 282
Land (120) (25) (148) (42)
Real estate 189 105 121 437
Commercial & industrial 38 79 138 69
Municipal (1) (27) 3 (23)
Consumer (41) 70 17 86
Unallocated (5) 123 81 111
Totals 180 350 360 680
Charge-offs
       
Residential (118) (20) (136) (121)
Commercial    (96)    (175)
Land       (42) (79)
Real estate (118) (116) (178) (375)
Commercial & industrial    (89) (29) (89)
Municipal            
Consumer (39) (159) (49) (179)
Unallocated            
Totals (157) (364) (256) (643)
Recoveries
       
Residential    2    3
Commercial 1    2   
Land            
Real estate 1 2 2 3
Commercial & industrial 5    8   
Municipal            
Consumer 13 13 18 19
Unallocated            
Totals 19 15 28 22
Ending balance
       
Residential 1,477 1,583 1,477 1,583
Commercial 1,276 1,238 1,276 1,239
Land 219 271 219 271
Real estate 2,972 3,092 2,972 3,093
Commercial & industrial 821 521 821 521
Municipal 27 28 27 28
Consumer 65 91 65 92
Unallocated 323 247 323 245
Totals $ 4,208 $ 3,979 $ 4,208 $ 3,979