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LOANS - Changes in the allowance for loan losses (Details) (USD $)
In Thousands, unless otherwise specified
3 Months Ended 9 Months Ended
Sep. 30, 2012
Sep. 30, 2011
Sep. 30, 2012
Sep. 30, 2011
Beginning balance
       
Residential $ 1,475 $ 1,583 $ 1,478 $ 1,504
Commercial 1,277 1,239 1,139 1,132
Land 219 271 410 392
Real estate 2,971 3,093 3,027 3,028
Commercial & industrial 820 521 704 541
Municipal 27 28 24 51
Consumer 66 90 79 164
Unallocated 323 247 242 136
Totals 4,207 3,979 4,076 3,920
Provision (benefit)
       
Residential 92 73 226 269
Commercial (206) (145) (72) 138
Land 318 179 169 137
Real estate 204 107 323 544
Commercial & industrial (23) (92) 114 (22)
Municipal 6 (3) 9 (26)
Consumer 74 8 92 94
Unallocated 69 160 152 270
Totals 330 180 690 860
Charge offs
       
Residential (88) (50) (225) (170)
Commercial (41) (30) (41) (206)
Land (224) (75) (266) (154)
Real estate (353) (155) (532) (530)
Commercial & industrial       (29) (89)
Municipal            
Consumer (14) (10) (63) (189)
Unallocated            
Totals (367) (165) (624) (808)
Recoveries
       
Residential          3
Commercial 3 1 7 1
Land            
Real estate 3 1 7 4
Commercial & industrial 1 29 9 29
Municipal            
Consumer 5 3 22 22
Unallocated       (1) 0
Totals 9 33 37 55
Ending balance
       
Residential 1,479 1,606 1,479 1,606
Commercial 1,033 1,065 1,033 1,065
Land 313 375 313 375
Real estate 2,825 3,046 2,825 3,046
Commercial & industrial 798 459 798 458
Municipal 33 25 33 25
Consumer 130 91 130 91
Unallocated 393 406 393 407
Totals $ 4,179 $ 4,027 $ 4,179 $ 4,027