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QUARTERLY FINANCIAL DATA (UNAUDITED) (Tables)
12 Months Ended
Dec. 31, 2012
QUARTERLY FINANCIAL DATA (UNAUDITED) [Abstract]  
Quarterly financial information
In thousands of dollars, except per share data
 
Full Year
  
4th Qtr
  
3rd Qtr
  
2nd Qtr
  
1st Qtr
 
 2012
          
Interest Income
 
$
34,693
  
$
8,371
  
$
8,731
  
$
8,758
  
$
8,833
 
Interest Expense
  
4,528
   
987
   
1,085
   
1,192
   
1,264
 
Net Interest Income
  
30,165
   
7,384
   
7,646
   
7,566
   
7,569
 
Provision for Loan Losses
  
8,350
   
1,700
   
2,000
   
2,550
   
2,100
 
Net Income
 
$
4,463
  
$
1,446
  
$
1,390
  
$
785
  
$
842
 
Basic and Diluted Earnings per Share
 
$
0.26
  
$
0.09
  
$
0.09
  
$
0.04
  
$
0.04
 
 

2011
          
Interest Income
 
$
36,165
  
$
9,079
  
$
8,906
  
$
9,091
  
$
9,089
 
Interest Expense
  
6,114
   
1,392
   
1,469
   
1,566
   
1,687
 
Net Interest Income
  
30,051
   
7,687
   
7,437
   
7,525
   
7,402
 
Provision for Loan Losses
  
12,150
   
250
   
6,000
   
3,100
   
2,800
 
Net Income (Loss)
 
$
917
  
$
2,297
  
$
(2,100
)
 
$
361
  
$
359
 
Basic and Diluted Earnings (Loss) per Share (1)
 
$
(0.02
)
 
$
0.16
  
$
(0.19
)
 
$
0.01
  
$
0.01
 
                    
 (1)  As a result of rounding, the sum of the EPS figures for the four quarters of 2011 does not equal the calculation of EPS for the full year of 2011.