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.

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-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.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-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.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

- Definition

Amount before allowance and after deduction of deferred interest and fees, unamortized costs and premiums and discounts from face amounts, of loans and leases held in portfolio, including but not limited to, commercial and consumer loans. Excludes loans and leases covered under loss sharing agreements.

+ References+ Details

- Definition

Amount after allowance and deduction of deferred interest and fees, unamortized costs and premiums and discounts from face amounts, of loans and leases held in portfolio, including but not limited to, commercial and consumer loans. Excludes loans and leases covered under loss sharing agreements.

+ References+ Details

LOANS (Details) (USD $) In Thousands, unless otherwise specified	Jun. 30, 2012	Mar. 31, 2012	Dec. 31, 2011	Jun. 30, 2011	Mar. 31, 2011	Dec. 31, 2010
Classifications of loans
Loans, gross carrying amount	$ 678,226		$ 611,773
Net deferred loan costs and fees	306		370
Loans	678,532		612,143
Allowance for loan losses	(13,556)	(11,316)	(10,837)	(9,494)	(9,015)	(8,497)
Loans, net	664,976		601,306
Commercial real estate mortgage loans
Classifications of loans
Loans, gross carrying amount	303,345		283,917
Allowance for loan losses	(4,447)	(3,422)	(3,530)	(2,923)	(3,329)	(3,310)
Multi-family mortgage loans
Classifications of loans
Loans, gross carrying amount	50,508		21,402
Allowance for loan losses	(1,049)	(750)	(395)	(390)	(186)	(133)
Residential real estate mortgage loans
Classifications of loans
Loans, gross carrying amount	142,760		141,027
Allowance for loan losses	(2,879)	(2,288)	(2,280)	(2,444)	(2,375)	(1,642)
Commercial, financial, and agricultural loans
Classifications of loans
Loans, gross carrying amount	132,229		116,319
Allowance for loan losses	(3,570)	(3,181)	(2,895)	(2,938)	(2,463)	(2,804)
Real estate construction and land loans
Classifications of loans
Loans, gross carrying amount	40,232		40,543
Allowance for loan losses	(1,328)	(1,435)	(1,465)	(500)	(368)	(185)
Installment/consumer loans
Classifications of loans
Loans, gross carrying amount	9,152		8,565
Allowance for loan losses	$ (283)	$ (240)	$ (272)	$ (299)	$ (294)	$ (423)