NOTE 4 - ALLOWANCE FOR LOAN LOSSES (Detail) - (Table 3) (USD $)	Jun. 30, 2012	Dec. 31, 2011
Pass [Member]
Commercial	$ 41,779,000	$ 39,319,000
Real estate - commercial	260,721,000	248,696,000
Real estate - construction	19,939,000	17,624,000
Real estate - mortgage	42,910,000	43,760,000
Installment	7,780,000	10,702,000
Other	46,404,000	47,638,000
Total	419,533,000	407,739,000
Special Mention [Member]
Commercial		3,067,000
Real estate - commercial	3,883,000	5,055,000
Real estate - construction	356,000	167,000
Real estate - mortgage		886,000
Total	4,239,000	9,175,000
Substandard [Member]
Commercial	1,692,000	3,774,000
Real estate - commercial	18,353,000	22,893,000
Real estate - construction	8,632,000	9,672,000
Real estate - mortgage	2,601,000	2,716,000
Installment	140,000	223,000
Other	283,000	327,000
Total	31,701,000	39,605,000
Total [Member]
Commercial	43,471,000	46,160,000
Real estate - commercial	282,957,000	276,644,000
Real estate - construction	28,927,000	27,463,000
Real estate - mortgage	45,511,000	47,362,000
Installment	7,920,000	10,925,000
Other	46,687,000	47,965,000
Total	$ 455,473,000	$ 456,519,000

This item represents disclosure of all significant concentrations of credit risk or market risk arising from the subject financial instrument (as defined), whether from an individual counterparty or groups of counterparties.

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+ Details

- Definition

Amount before allowance of commercial loans and leases receivable includes, but not limited to, commercial and industrial loans, agricultural loans, mortgage loans, promissory notes, interbank and other loans to financial institutions, draws against credit facilities, trade financing, lease financings. Includes deferred interest and fees, undisbursed portion of loan balance, unamortized costs and premiums and discounts from face amounts. Excludes loans and leases covered under loss sharing agreements.

+ References+ Details

- Definition

Amount before allowance of loans issued to build, improve or remodel a residential home. Includes deferred interest and fees, undisbursed portion of loan balance, unamortized costs and premiums and discounts from face amounts. Excludes loans and leases covered under loss sharing agreements.

+ References+ Details

- Definition

Amount before allowance of installment and revolving loans issued to individuals, including, but not limited to credit card, automobile, boat, student, durable home appliance loans. Includes deferred interest and fees, undisbursed portion of loan balance, unamortized costs and premiums and discounts from face amounts. Excludes loans and leases covered under loss sharing agreements.

+ References

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-Subparagraph (SX 210.9-03.7(a)(4),(b))

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-Publisher AICPA

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+ Details

- Definition

Amount before allowance of other loans and leases not otherwise specified in the taxonomy. Includes deferred interest and fees, undisbursed portion of loan balance, unamortized costs and premiums and discounts from face amounts. Excludes loans and leases covered under loss sharing agreements.

+ References+ Details

- Definition

Amount before allowance of commercial loans issued to businesses to acquire, develop, construct, improve, or refinance land or building. Includes deferred interest and fees, undisbursed portion of loan balance, unamortized costs and premiums and discounts from face amounts. Excludes loans covered under loss sharing agreements.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

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+ Details