NOTE 4 - ALLOWANCE FOR LOAN LOSSES - (Table 3) (Detail) (USD $)	Jun. 30, 2013	Dec. 31, 2012
Pass
Commercial	$ 46,828,000	$ 44,486,000
Real estate - commercial	304,743,000	278,834,000
Real estate - construction	18,037,000	21,386,000
Real estate - mortgage	67,596,000	71,973,000
Installment	5,907,000	6,562,000
Other	41,957,000	45,658,000
Total	485,068,000	468,899,000
Special Mention
Commercial	1,035,000	129,000
Real estate - commercial	2,780,000
Real estate - construction
Real estate - mortgage
Installment
Other
Total	3,815,000	129,000
Substandard
Commercial	1,191,000	1,463,000
Real estate - commercial	11,683,000	16,796,000
Real estate - construction	498,000	1,617,000
Real estate - mortgage	1,041,000	2,380,000
Installment	119,000	127,000
Other	590,000	283,000
Total	15,122,000	22,666,000
Total
Commercial	49,054,000	46,078,000
Real estate - commercial	319,206,000	295,630,000
Real estate - construction	18,535,000	23,003,000
Real estate - mortgage	68,637,000	74,353,000
Installment	6,026,000	6,689,000
Other	42,547,000	45,941,000
Total	$ 504,005,000	$ 491,694,000

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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+ 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.

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