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FINANCIAL INSTRUMENTS WITH OFF-BALANCE SHEET RISK (Tables)
3 Months Ended
Mar. 31, 2013
Fair Value Off Balance Sheet Risk [Abstract]  
Schedule of Fair Value, Off-balance Sheet Risks [Table Text Block]

Financial instruments whose contractual amounts represent off-balance sheet credit risk were as follows (000s omitted):

 

  Contractual Amount 
  March 31,  December 31, 
  2013  2012 
Commitments to extend credit:        
Unused portion of commercial lines of credit $53,145  $59,826 
Unused portion of credit card lines of credit  3,081   3,048 
Unused portion of home equity lines of credit  15,827   16,356 
Standby letters of credit and financial guarantees written  3,680   3,730 
All other off-balance sheet commitments  -   -