INCOME TAXES (Summary of Net Deferred Tax Asset And Liability) (Details) (USD $) In Thousands, unless otherwise specified	Dec. 31, 2012	Dec. 31, 2011
Federal
Bad debts	$ 18,006	$ 18,690
Pension and deferred compensation liability	756	491
Non-qualified stock options	479	288
Impairment of investment securities	0	125
Nonaccrual loan interest	1,403	1,264
Long-term incentive plan	857	771
Other	266	232
Deferred Tax Assets, Gross	21,767	21,861
Accretion	127	122
Depreciation	2,821	2,809
Loan servicing rights	1,010	825
State taxes	1,229	1,197
Leases	0	10
Deferred loan fees	38	46
Intangible assets	1,655	1,462
FHLB stock dividends	76	76
REIT spillover dividend	1,219	1,168
Prepaid expenses	700	266
Deferred Tax Liabilities, Gross	8,875	7,981
Valuation allowance	0	0
Net deferred tax asset	12,892	13,880
State
Bad debts	3,804	3,676
Pension and deferred compensation liability	160	97
Non-qualified stock options	102	57
Impairment of investment securities	0	25
Nonaccrual loan interest	297	249
Long-term incentive plan	181	151
Other	36	27
Deferred Tax Assets, Gross	4,580	4,282
Accretion	20	19
Depreciation	254	215
Loan servicing rights	213	162
State taxes	0	0
Leases	0	2
Deferred loan fees	8	9
Intangible assets	350	288
FHLB stock dividends	16	15
REIT spillover dividend	0	0
Prepaid expenses	148	52
Deferred Tax Liabilities, Gross	1,009	762
Valuation allowance	0	0
Net deferred tax asset	$ 3,571	$ 3,520