COMMITMENTS AND CONTINGENT LIABILITIES (Tables)

6 Months Ended

Jun. 30, 2012

Commitments and Contingencies Disclosure [Abstract]

Schedule Of Contract Amount Of Financial Instruments Off Balance Sheet Unfunded Commitments [Table Text Block]

The following table summarizes the Bank’s off balance sheet unfunded commitments as of the dates shown:

	Contract or		Contract or
	Notional Amount		Notional Amount
(Dollars in thousands)	June 30, 2012		December 31, 2011
Financial instruments whose contract amounts represent credit risk:
Commitments to extend credit in the form of loans
Commercial	$	241,551	$	251,105
Real estate construction		32,988		23,932
Real estate mortgage
Mortgage		1,970		3,419
Home equity loans and lines of credit		142,560		150,196
Total real estate mortgage loans		144,530		153,615
Commercial real estate		8,069		10,993
Installment and consumer		9,813		9,907
Other		21,854		12,803
Standby letters of credit and financial guarantees		7,774		8,349
Account overdraft protection instruments		96,550		103,642
Total	$	563,129	$	574,346