LOANS AND ALLOWANCE FOR LOAN LOSSES (Details) (USD $) In Thousands, unless otherwise specified	3 Months Ended
Mar. 31, 2013	Mar. 31, 2012
Beginning balance	$ 3,499	$ 3,850
Charge-offs	(7)	(166)
Recoveries	9	13
Provision (decrease) increase
Ending balance	3,501	3,697
Commercial
Beginning balance	90	348
Charge-offs
Recoveries
Provision (decrease) increase	(14)	(284)
Ending balance	76	64
Commercial Real Estate
Beginning balance	881	971
Charge-offs		(56)
Recoveries		4
Provision (decrease) increase	311	133
Ending balance	1,192	1,052
Faith Based Non-Profit
Beginning balance	1,246	1,128
Charge-offs
Recoveries		1
Provision (decrease) increase	32	(21)
Ending balance	1,278	1,108
Residential Real Estate
Beginning balance	937	1,299
Charge-offs		(98)
Recoveries	4	4
Provision (decrease) increase	(90)	102
Ending balance	851	1,307
Consumer
Beginning balance	30	62
Charge-offs	(7)	(12)
Recoveries	5	4
Provision (decrease) increase	(1)	(8)
Ending balance	27	46
Other
Beginning balance	54	42
Charge-offs
Recoveries
Provision (decrease) increase	(6)	10
Ending balance	48	52
Unallocated
Beginning balance	261
Charge-offs
Recoveries
Provision (decrease) increase	(232)	68
Ending balance	$ 29	$ 68

Reflects the amount charged against earnings during the period as bad debt expense, net of recoveries of previously expensed credit losses.

+ References+ Details

Reflects a reduction in bad debt expense attributable to collections of loans and lease receivables which had previously been fully or partially charged off as bad debts.

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- Definition

Reflects the amount of loans and leases that have been removed, or charged off, from both loan receivables and the reserve for credit losses, typically because they are considered to be not salvageable or have been purchased by unconsolidated collection entities.

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- Definition

Amount of allowance to cover probable credit losses on loans and leases. Includes carryover of or adjustments to the allowance for loan losses in connection with business combinations. Excludes allowance for loans and leases covered under loss sharing agreements.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Statement of Financial Accounting Standard (FAS)

-Number 5

-Paragraph 8, 9

-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 30

-Section 50

-Paragraph 2

-Subparagraph (b)(1)(ii)

-URI http://asc.fasb.org/extlink&oid=6379141&loc=d3e15032-111544

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 210

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-03.7(d))

-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

Reference 4: http://www.xbrl.org/2003/role/presentationRef

-Publisher OTS

-Name Federal Regulation (FR)

-Number Title 12

-Section 563c.102

-Paragraph 8

-Subparagraph a(ii)

-Chapter V

-Subsection I

-LegacyDoc This is a non-GAAP reference that was included in the 2009 taxonomy. It will be removed from future versions of this taxonomy.

Reference 5: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 03

-Paragraph 7

-Subparagraph d

-Article 9

Reference 6: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Statement of Financial Accounting Standard (FAS)

-Number 114

-Paragraph 20

-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 7: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Staff Accounting Bulletin (SAB)

-Number Topic 6

-Section L

-Subsection 1

+ Details