QUARTERLY FINANCIAL RESULTS (unaudited) (Details) (USD $) In Thousands, except Per Share data, unless otherwise specified	3 Months Ended								12 Months Ended
	Dec. 31, 2012	Sep. 30, 2012	Jun. 30, 2012	Mar. 31, 2012	Dec. 31, 2011	Sep. 30, 2011	Jun. 30, 2011	Mar. 31, 2011	Dec. 31, 2012	Dec. 31, 2011	Dec. 31, 2010
Interest income	$ 10,960	$ 11,393	$ 11,692	$ 11,856	$ 12,531	$ 12,868	$ 12,735	$ 12,718	$ 45,901	$ 50,852	$ 55,461
Net interest income	8,381	8,730	9,033	9,195	9,837	10,123	9,942	9,862	35,339	39,764	42,639
Provision for credit losses	9,650	6,200	3,525	8,370	4,035	3,650	5,395	6,390	27,745	19,470	21,119
(Loss) income before income taxes	(8,348)	(3,178)	422	(5,099)	416	319	(266)	(2,024)	(16,203)	(1,555)	(2,159)
Net (loss) income	$ (5,074)	$ (1,821)	$ 293	$ (3,036)	$ 325	$ 94	$ (233)	$ (1,083)	$ (9,638)	$ (897)	$ (1,667)
Basic (loss) earnings per common share (in dollars per share)	$ (0.60)	$ (0.22)	$ 0.03	$ (0.36)	$ 0.04	$ 0.01	$ (0.03)	$ (0.13)	$ (1.14)	$ (0.11)	$ (0.20)
Diluted (loss) earnings per common share (in dollars per share)	$ (0.60)	$ (0.22)	$ 0.03	$ (0.36)	$ 0.04	$ 0.01	$ (0.03)	$ (0.13)	$ (1.14)	$ (0.11)	$ (0.20)