TROUBLED DEBT RESTRUCTURINGS (Tables)

3 Months Ended

Mar. 31, 2013

TROUBLED DEBT RESTRUCTURINGS

Schedule of troubled debt restructurings incurred

	For the three months ended
	March 31, 2013
		Pre-Modification		Post-Modification
		Outstanding		Outstanding
	Number	Recorded		Recorded
	of Contracts	Investment		Investment
Troubled Debt Restructurings
Residential Real Estate	2	$	395,653	$	395,653
Commercial Real Estate	1	174,598		174,598
Totals	3	$	570,251	$	570,251

	For the three months ended
	March 31, 2012
		Pre-Modification		Post-Modification
		Outstanding		Outstanding
	Number	Recorded		Recorded
	of Contracts	Investment		Investment
Troubled Debt Restructurings
Residential Real Estate	2	$	720,046	$	679,134
Commercial Real Estate	1	851,587		851,587
Totals	3	$	1,571,633	$	1,530,721

Schedule of troubled debt that subsequently defaulted

		For the period ended
	Number	March 31, 2013
	of Contracts	Recorded Investment
Troubled Debt Restructurings
That Subsequently Defaulted
During the Period:
Residential Real Estate Const	1	$	66,150