6. ALLOWANCE FOR LOAN LOSSES (Details 3) (USD $)	Dec. 31, 2013	Dec. 31, 2012
Construction/Land Development	$ 68,512,000	$ 71,251,000
Farmland	13,197,000	12,259,000
Real Estate	154,628,000	144,066,000
Multi-Family	11,797,000	9,357,000
Commercial Real Estate	113,415,000	123,819,000
Home Equity - closed end	10,228,000	10,984,000
Home Equity - open end	47,358,000	49,762,000
Commercial & Industrial (Non-Real Estate)	25,903,000	25,110,000
Total	445,038,000	446,608,000
Grade 1 Minimal Risk [Member]
Construction/Land Development
Farmland	69,000	70,000
Real Estate
Multi-Family
Commercial Real Estate
Home Equity - closed end
Home Equity - open end
Commercial & Industrial (Non-Real Estate)	815,000
Total	884,000	70,000
Grade 2 Modest Risk [Member]
Construction/Land Development		831,000
Farmland
Real Estate	562,000	448,000
Multi-Family	668,000	632,000
Commercial Real Estate	1,897,000	2,033,000
Home Equity - closed end
Home Equity - open end	1,482,000	1,460,000
Commercial & Industrial (Non-Real Estate)	92,000	87,000
Total	4,701,000	5,491,000
Grade 3 Average Risk [Member]
Construction/Land Development	3,166,000	4,400,000
Farmland	1,406,000	1,544,000
Real Estate	68,241,000	36,342,000
Multi-Family	4,442,000	2,185,000
Commercial Real Estate	18,062,000	18,663,000
Home Equity - closed end	4,574,000	2,280,000
Home Equity - open end	13,308,000	15,294,000
Commercial & Industrial (Non-Real Estate)	3,631,000	3,505,000
Total	116,830,000	84,213,000
Grade 4 Acceptable Risk [Member]
Construction/Land Development	25,657,000	16,616,000
Farmland	5,206,000	4,327,000
Real Estate	52,190,000	69,670,000
Multi-Family	2,275,000	1,815,000
Commercial Real Estate	55,350,000	56,624,000
Home Equity - closed end	3,117,000	6,198,000
Home Equity - open end	26,734,000	26,595,000
Commercial & Industrial (Non-Real Estate)	16,265,000	15,448,000
Total	186,794,000	197,293,000
Grade 5 Marginally Acceptable [Member]
Construction/Land Development	11,116,000	15,783,000
Farmland	4,816,000	4,214,000
Real Estate	19,037,000	22,413,000
Multi-Family	4,412,000	4,725,000
Commercial Real Estate	21,677,000	28,650,000
Home Equity - closed end	1,870,000	1,268,000
Home Equity - open end	4,840,000	4,735,000
Commercial & Industrial (Non-Real Estate)	3,108,000	3,621,000
Total	70,876,000	85,409,000
Grade 6 Watch [Member]
Construction/Land Development	2,946,000	9,013,000
Farmland	143,000	524,000
Real Estate	7,821,000	6,472,000
Multi-Family
Commercial Real Estate	13,406,000	4,910,000
Home Equity - closed end	281,000	530,000
Home Equity - open end	327,000	694,000
Commercial & Industrial (Non-Real Estate)	1,516,000	531,000
Total	26,440,000	22,674,000
Grade 7 Substandard [Member]
Construction/Land Development	25,627,000	24,608,000
Farmland	1,557,000	1,580,000
Real Estate	6,777,000	8,721,000
Multi-Family
Commercial Real Estate	3,023,000	12,939,000
Home Equity - closed end	386,000	708,000
Home Equity - open end	667,000	869,000
Commercial & Industrial (Non-Real Estate)	476,000	1,918,000
Total	38,513,000	51,343,000
Grade 8 Doubtful [Member]
Construction/Land Development
Farmland
Real Estate
Multi-Family
Commercial Real Estate
Home Equity - closed end
Home Equity - open end		115,000
Commercial & Industrial (Non-Real Estate)
Total		$ 115,000