REGULATORY MATTERS (Tables)

12 Months Ended

Dec. 31, 2012

REGULATORY MATTERS [Abstract]

Actual capital amount and ratios

As of December 31, 2012, the most recent notification from the Federal Deposit Insurance Corporation categorized the Bank as well capitalized under the regulatory framework for prompt corrective action. To be categorized as well capitalized, an institution must maintain minimum total risk-based, Tier 1 risk-based and Tier 1 leverage capital ratios as set forth in the table that follows. There are no conditions or events since the notification that management believes have changed the Bank's category. The Corporation's and the Bank's actual capital amounts and ratios at December 31, 2012 and 2011 are also presented in the table.

	2012
						Minimum					Minimum To Be Well
						Capital Adequacy					Capitalized Under Prompt
	Actual Capital					Requirement					Corrective Action Provisions
	(dollars in thousands)
	Amount		Ratio			Amount		Ratio			Amount		Ratio
Total Capital to Risk Weighted Assets:
Consolidated	$	200,879		20.26	%	$	79,309		8.00	%		N/A		N/A
Bank		198,381		20.02			79,260		8.00		$	99,075		10.00	%
Tier 1 Capital to Risk Weighted Assets:
Consolidated		188,410		19.01			39,655		4.00			N/A		N/A
Bank		185,920		18.77			39,630		4.00			59,445		6.00
Tier 1 Capital to Average Assets:
Consolidated		188,410		9.29			81,089		4.00			N/A		N/A
Bank		185,920		9.17			81,070		4.00			101,338		5.00
		2011
						Minimum					Minimum To Be Well
						Capital Adequacy					Capitalized Under Prompt
	Actual Capital					Requirement					Corrective Action Provisions
	(dollars in thousands)
	Amount		Ratio			Amount		Ratio			Amount		Ratio
Total Capital to Risk Weighted Assets:
Consolidated	$	182,069		21.56	%	$	67,554		8.00	%		N/A		N/A
Bank		182,016		21.57			67,516		8.00		$	84,395		10.00	%
Tier 1 Capital to Risk Weighted Assets:
Consolidated		171,439		20.30			33,777		4.00			N/A		N/A
Bank		171,393		20.31			33,758		4.00			50,637		6.00
Tier 1 Capital to Average Assets:
Consolidated		171,439		8.81			77,880		4.00			N/A		N/A
Bank		171,393		8.80			77,878		4.00			97,347		5.00