LOANS AND ALLOWANCE FOR LOAN LOSSES (1) (Details) (USD $) In Thousands, unless otherwise specified	Mar. 31, 2013	Dec. 31, 2012	Mar. 31, 2012
Age Analysis of Past Due Loans Receivable [Line Items]
30-59 Days Past Due	$ 6,346	$ 4,405
60-89 Days Past Due	341	4,075
Greater Than 90 Days Past Due	20,924	19,950
Total Past Due	27,611	28,430
Current	231,015	278,321
Total Loans Receivable	258,626	306,751	337,978
Recorded Investment > 90 Days and Accruing	0	0
Construction & Land Development [Member]
Age Analysis of Past Due Loans Receivable [Line Items]
30-59 Days Past Due	48	0
60-89 Days Past Due	252	0
Greater Than 90 Days Past Due	11,790	11,534
Total Past Due	12,090	11,534
Current	40,917	46,197
Total Loans Receivable	53,007	57,731	71,164
Recorded Investment > 90 Days and Accruing	0	0
1-4 Family Residential [Member]
Age Analysis of Past Due Loans Receivable [Line Items]
30-59 Days Past Due	3,991	2,374
60-89 Days Past Due	89	1,629
Greater Than 90 Days Past Due	6,298	6,997
Total Past Due	10,378	10,980
Current	72,582	79,426
Total Loans Receivable	82,960	90,406	103,150
Recorded Investment > 90 Days and Accruing	0	0
Multi-Family Residential [Member]
Age Analysis of Past Due Loans Receivable [Line Items]
30-59 Days Past Due	0	0
60-89 Days Past Due	0	0
Greater Than 90 Days Past Due	0	0
Total Past Due	0	0
Current	4,676	5,306
Total Loans Receivable	4,676	5,306	4,365
Recorded Investment > 90 Days and Accruing	0	0
Commercial Real Estate [Member]
Age Analysis of Past Due Loans Receivable [Line Items]
30-59 Days Past Due	2,307	2,031
60-89 Days Past Due	0	1,962
Greater Than 90 Days Past Due	2,836	1,439
Total Past Due	5,143	5,432
Current	105,220	137,831
Total Loans Receivable	110,363	143,263	147,783
Recorded Investment > 90 Days and Accruing	0	0
Commercial Business [Member]
Age Analysis of Past Due Loans Receivable [Line Items]
30-59 Days Past Due	0	0
60-89 Days Past Due	0	484
Greater Than 90 Days Past Due	0	0
Total Past Due	0	484
Current	5,797	7,395
Total Loans Receivable	5,797	7,879	8,700
Recorded Investment > 90 Days and Accruing	0	0
Consumer [Member]
Age Analysis of Past Due Loans Receivable [Line Items]
30-59 Days Past Due	0	0
60-89 Days Past Due	0	0
Greater Than 90 Days Past Due	0	0
Total Past Due	0	0
Current	1,823	2,166
Total Loans Receivable	1,823	2,166	2,816
Recorded Investment > 90 Days and Accruing	$ 0	$ 0