SHORT-TERM BORROWINGS AND LONG-TERM DEBT (Tables)

12 Months Ended

Dec. 31, 2012

Debt Disclosure [Abstract]

Tabular Disclosure Related To Classification Of Debt Interest Rate [Table Text Block]

Rates and maturities on these advances at December 31, 2012 and 2011 were as follows:

	Fixed-			Fixed-Rate			Variable
	Rate			Convertible			Convertible
2012
Highest rate		3.99	%		3.47	%		4.00	%
Lowest rate		0.84	%		3.47	%		4.00	%
Weighted average rate		2.33	%		3.47	%		4.00	%
Matures through		2036			2018			2020
2011
Highest rate		4.04	%		4.30	%		4.00	%
Lowest rate		0.84	%		3.47	%		4.00	%
Weighted average rate		2.76	%		3.88	%		4.00	%
Matures through		2036			2018			2020

Schedule of Debt [Table Text Block]

Average rates of long-term debt and short-term borrowings were as follows:

	At or for the Year Ended December 31,
(dollars in thousands)	2012			2011
Long-term debt
Long-term debt outstanding at end of period	$	60,527		$	60,577
Weighted average rate on outstanding long-term debt		2.80	%		3.33	%
Maximum outstanding long-term debt of any month end		60,573			60,620
Average outstanding long-term debt		60,206			61,421
Approximate average rate paid on long-term debt		3.02	%		3.32	%
Short-term borrowings
Short-term borrowings outstanding at end of period	$	1,000		$	-
Weighted average rate on short-term borrowings		0.36	%		0.00	%
Maximum outstanding short-term borrowings at any month end		14,000			15,703
Average outstanding short-term borrowings		3,639			2,168
Approximate average rate paid on short-term borrowings		1.40	%		1.91	%

Schedule of Maturities of Long-term Debt [Table Text Block]

The contractual maturities of long-term debt are as follows:

	December 31, 2012
	Fixed-		Fixed-Rate		Variable
	Rate		Convertible		Convertible		Total
Due in 2013	$	5,000,000	$	-	$	-	$	5,000,000
Due in 2014		750,000		-		-		750,000
Due in 2015		14,000,000		-		-		14,000,000
Due in 2016		-		-		-		-
Due in 2017		10,000,000		-		-		10,000,000
Thereafter		10,777,208		10,000,000		10,000,000		30,777,208
	$	40,527,208	$	10,000,000	$	10,000,000	$	60,527,208