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OTHER REAL ESTATE OWNED (Tables)
 12 Months Ended
Dec. 31, 2012
OTHER REAL ESTATE OWNED [Abstract]  
Changes in other real estate owned
Other real estate owned includes property acquired through foreclosure or deed-in-lieu of foreclosure and also includes property deemed to be in-substance foreclosed and are included in "other assets" in the consolidated balance sheets.  Changes in other real estate owned were as follows (in thousands):
 
   2012    2011  
         
Balance, beginning of year
 $1,619   2,088 
Additions
  875   - 
Reductions due to sales
  (21)  (469)
Reductions due to valuation write downs
  (284)  - 
Balance, end of year
 $2,189   1,619 
Components of other real estate owned
Other real estate owned at December 31 consisted of (dollars in thousands):

 
 
2012
 
 
2011
 
 
Number
 
 
Amount
 
 
Number
 
 
Amount
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate
 
 
2
 
 
$
1,875
 
 
 
1
 
 
$
1,579
 
Residential real estate
 
 
8
 
 
 
314
 
 
 
1
 
 
 
40
 
 
 
10
 
 
$
2,189
 
 
 
2
 
 
$
1,619