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LOANS - Changes in the allowance for loan losses (Details) (USD $)
In Thousands, unless otherwise specified
3 Months Ended 9 Months Ended
Sep. 30, 2013
Sep. 30, 2012
Sep. 30, 2013
Sep. 30, 2012
Beginning balance
       
Residential $ 1,892 $ 1,475 $ 1,934 $ 1,478
Commercial 1,403 1,277 1,059 1,139
Land 137 219 301 410
Real estate 3,432 2,971 3,294 3,027
Commercial & industrial 541 820 499 704
Municipal 40 27 36 24
Consumer 69 66 91 79
Unallocated 549 323 440 242
Totals 4,631 4,207 4,360 4,076
Provision
       
Residential 227 92 259 226
Commercial 58 (206) 471 (72)
Land 22 318 56 169
Real estate 307 204 786 323
Commercial & industrial (62) (23) (16) 114
Municipal 1 6 5 9
Consumer 8 74 5 92
Unallocated (14) 69 96 152
Totals 240 330 876 690
Charge-offs
       
Residential (159) (88) (233) (225)
Commercial (19) (41) (94) (41)
Land (23) (224) (221) (266)
Real estate (201) (353) (548) (532)
Commercial & industrial       (4) (29)
Municipal            
Consumer (23) (14) (47) (63)
Unallocated       (1)   
Totals (224) (367) (600) (624)
Recoveries
       
Residential            
Commercial    3 6 7
Land            
Real estate    3 6 7
Commercial & industrial    1    9
Municipal            
Consumer 9 5 14 22
Unallocated          (1)
Totals 9 9 20 37
Ending balance
       
Residential 1,960 1,479 1,960 1,479
Commercial 1,442 1,033 1,442 1,033
Land 136 313 136 313
Real estate 3,538 2,825 3,538 2,825
Commercial & industrial 479 798 479 798
Municipal 41 33 41 33
Consumer 63 131 63 130
Unallocated 535 392 535 393
Totals $ 4,656 $ 4,179 $ 4,656 $ 4,179