LOANS (Tables)

3 Months Ended

Mar. 31, 2013

Accounts, Notes, Loans and Financing Receivable, Gross, Allowance, and Net [Abstract]

Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]

Loans consist of the following (000s omitted):

	March 31,		December 31,
	2013		2012
Residential real estate loans	$	235,323	$	240,332
Commercial and Construction real estate loans		291,618		301,433
Agriculture and agricultural real estate loans		12,235		12,004
Commercial and industrial loans		61,066		58,194
Loans to individuals for household, family, and other personal expenditures		14,516		15,286
Total loans, gross	$	614,758	$	627,249
Less: Allowance for loan losses		17,899		17,299
	$	596,859	$	609,950

Schedule Of Non Performing Assets [Table Text Block]

The following table summarizes nonperforming assets (000’s omitted):

	March 31,			December 31,
	2013			2012
Nonaccrual loans	$	31,558		$	31,343
Loans 90 days past due and accruing		314			1
Restructured loans		37,581			38,460
Total nonperforming loans	$	69,453		$	69,804
Other real estate owned		15,118			14,262
Other assets		59			32
Nonperforming investment securities		3,045			3,045
Total nonperforming assets	$	87,675		$	87,143
Nonperforming assets to total assets		6.82	%		6.87	%
Allowance for loan losses to nonperforming loans		25.77	%		24.78	%