INCOME TAXES (Details 2) (USD $) In Thousands, unless otherwise specified	Dec. 31, 2012	Dec. 31, 2011
Deferred tax assets:
Allowance for credit losses	$ 6,421	$ 5,640
Reserve for off-balance sheet commitments	166	137
Write-downs of other real estate owned	742	346
Net operating loss carry forward	364	212
Deferred income	2,370	2,055
Accrued expenses	1,353	1,450
Loss on termination of cash flow hedge	540	0
Unrealized losses on interest rate caps	803	2,070
Other	55	54
Total deferred tax assets	12,814	11,964
Deferred tax liabilities:
Depreciation	515	612
Purchase accounting adjustments	1,009	680
Deferred capital gain on branch sale	451	473
Deferred gains on interest rate swaps	169	169
Unrealized gains on available-for-sale securities	1,282	928
Other	208	66
Total deferred tax liabilities	3,634	2,928
Net deferred tax assets	$ 9,180	$ 9,036