Commitments and Off-Balance Sheet Risk (Tables)

12 Months Ended

Dec. 31, 2012

Commitments and Off-Balance Sheet Risk [Abstract]

Maximum exposure to credit losses for loan commitments and standby letters of credit outstanding

	2012		2011
Commercial unused lines of credit	$	222,237,000	$	171,683,000
Unused lines of credit secured by 1 – 4 family residential properties		24,250,000		24,663,000
Credit card unused lines of credit		8,512,000		7,565,000
Other consumer unused lines of credit		4,613,000		3,367,000
Commitments to make loans		64,565,000		30,929,000
Standby letters of credit		10,591,000		15,923,000
Total commitments	$	334,768,000	$	254,130,000

Instruments carried at fair value

	2012				2011
	Contract Amount		Carrying Value		Contract Amount		Carrying Value
Standby letters of credit	$	10,591,000	$	218,000	$	15,923,000	$	210,000