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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, 2013
Jun. 30, 2012
Jun. 30, 2013
Jun. 30, 2012
Beginning balance
       
Residential $ 1,938 $ 1,500 $ 1,934 $ 1,479
Commercial 1,237 1,061 1,059 1,139
Land 528 339 301 409
Real estate 3,703 2,900 3,294 3,027
Commercial & industrial 455 778 499 704
Municipal 40 28 36 24
Consumer 67 132 92 79
Unallocated 421 328 440 242
Totals 4,686 4,166 4,361 4,076
Provision
       
Residential 9 95 32 134
Commercial 236 214 413 135
Land (231) (120) 34 (148)
Real estate 14 189 479 121
Commercial & industrial 86 38 46 138
Municipal 1 (1) 5 3
Consumer 12 (41) (3) 17
Unallocated 127 (5) 109 81
Totals 240 180 636 360
Charge-offs
       
Residential (55) (118) (74) (136)
Commercial (75)    (75)   
Land (160)    (198) (42)
Real estate (290) (118) (347) (178)
Commercial & industrial       (4) (29)
Municipal            
Consumer (11) (39) (24) (49)
Unallocated            
Totals (301) (157) (375) (256)
Recoveries
       
Residential            
Commercial 5 1 6 2
Land            
Real estate 5 1 6 2
Commercial & industrial    5    8
Municipal            
Consumer 2 13 5 18
Unallocated       (1)   
Totals 7 19 10 28
Ending balance
       
Residential 1,892 1,477 1,892 1,477
Commercial 1,403 1,276 1,403 1,276
Land 137 219 137 219
Real estate 3,432 2,972 3,432 2,972
Commercial & industrial 541 821 541 821
Municipal 41 27 41 27
Consumer 70 65 70 65
Unallocated 548 323 548 323
Totals $ 4,632 $ 4,208 $ 4,632 $ 4,208