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MORTGAGE OPERATIONS (Details) (USD $)
6 Months Ended
Jun. 30, 2012
Dec. 31, 2011
MORTGAGE OPERATIONS [Abstract]    
Mortgages held-for-sale $ 3,220,000 $ 2,832,000
Real estate mortgage loans 221,588,000 211,535,000
Mortgage servicing rights assets [Roll Forward]    
Beginning balance 1,636,000  
Additions 312,000  
Reductions 241,000  
Ending balance 1,707,000  
Valuation allowance [Roll Forward]    
Beginning balance (347,000)  
Additions (59,000)  
Reductions 0  
Ending balance (406,000)  
Mortgage servicing rights, net of valuation allowance [Roll Forward]    
Beginning balance   1,289,000
Additions 253,000  
Reductions 241,000  
Ending balance $ 1,301,000