FAIR VALUES OF FINANCIAL DISCLOSURES (Assets and Liabilities Measured At Fair Value on a Recurring Basis) (Details) (USD $)	Mar. 31, 2013	Dec. 31, 2012
Assets [Abstract]
Mortgage-backed securities	$ 381,353,000
Total Securities	482,704,000	467,021,000
Mortgage banking derivative	878,000
Total assets		467,760,000
Recurring [Member]
Assets [Abstract]
U.S. Treasury securities	1,032,000	1,037,000
U.S. Government sponsored agencies	5,289,000	5,304,000
Mortgage-backed securities	375,468,000	365,644,000
Non-agency residential mortgage-backed securities	5,885,000	6,453,000
State and municipal securities	95,030,000	88,583,000
Total Securities	482,704,000	467,021,000
Mortgage banking derivative	371,000	739,000
Interest rate swap derivative	878,000
Total assets	483,953,000	467,760,000
Liabilities
Mortgage banking derivative	25,000	12,000
Interest rate swap derivative	881,000
Total liabilities	906,000
Fair Value, Inputs, Level 1 [Member] | Recurring [Member]
Assets [Abstract]
U.S. Treasury securities	1,032,000	1,037,000
U.S. Government sponsored agencies	0	0
Mortgage-backed securities	0	0
Non-agency residential mortgage-backed securities	0	0
State and municipal securities	0	0
Total Securities	1,032,000	1,037,000
Mortgage banking derivative	0	0
Interest rate swap derivative	0
Total assets	1,032,000	1,037,000
Liabilities
Mortgage banking derivative	0	0
Interest rate swap derivative	0
Total liabilities	0
Fair Value, Inputs, Level 2 [Member] | Recurring [Member]
Assets [Abstract]
U.S. Treasury securities	0	0
U.S. Government sponsored agencies	5,289,000	5,304,000
Mortgage-backed securities	375,468,000	365,644,000
Non-agency residential mortgage-backed securities	0	3,594,000
State and municipal securities	94,044,000	87,595,000
Total Securities	474,801,000	462,137,000
Mortgage banking derivative	371,000	739,000
Interest rate swap derivative	878,000
Total assets	476,050,000	462,876,000
Liabilities
Mortgage banking derivative	25,000	12,000
Interest rate swap derivative	881,000
Total liabilities	906,000
Fair Value, Inputs, Level 3 [Member] | Recurring [Member]
Assets [Abstract]
U.S. Treasury securities	0	0
U.S. Government sponsored agencies	0	0
Mortgage-backed securities	0	0
Non-agency residential mortgage-backed securities	5,885,000	2,859,000
State and municipal securities	986,000	988,000
Total Securities	6,871,000	3,847,000
Mortgage banking derivative	0	0
Interest rate swap derivative	0
Total assets	6,871,000	3,847,000
Liabilities
Mortgage banking derivative	0	0
Interest rate swap derivative	0
Total liabilities	$ 0