LOANS (Tables)

12 Months Ended

Dec. 31, 2012

Receivables [Abstract]

Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]

Loans are summarized as follows:

	December 31,
(Dollars in thousands)	2012			2011
Commercial	$	19,931		$	30,135
Commercial Real Estate:
Land Development		28,310			35,924
Building Lots		2,151			3,880
Other		287,283			418,981
Real estate construction		3,141			4,925
Residential mortgage		110,025			151,866
Consumer and home equity		57,888			69,971
Indirect consumer		16,211			21,892
		524,940			737,574
Less:
Loans held for sale in probable branch divestiture and probable loan sale		-			(46,112	)
Net deferred loan origination fees		(105	)		(209	)
Allowance for loan losses		(17,265	)		(17,181	)
		(17,370	)		(63,502	)
Net Loans	$	507,570		$	674,072

Allowance For Credit Losses On Financing Receivables By Portfolio Segment [Table Text Block]

The following tables present the activity in the allowance for loan losses by portfolio segment for the years ending December 31, 2012 and 2011:

December 31, 2012				Commercial			Real Estate			Residential			Consumer &			Indirect
	Commercial			Real Estate			Construction			Mortgage			Home Equity			Consumer			Total
(Dollars in thousands)
Allowance for loan losses:
Beginning Balance	$	1,422		$	13,727		$	103		$	922		$	610		$	397		$	17,181
Provision for loan losses		32			7,157			(43	)		(333	)		59			(75	)		6,797
Charge-offs		(313	)		(6,295	)		-			(88	)		(249	)		(219	)		(7,164	)
Recoveries		95			166			-			-			22			168			451
Total ending allowance balance	$	1,236		$	14,755		$	60		$	501		$	442		$	271		$	17,265

December 31, 2011				Commercial			Real Estate			Residential			Consumer &			Indirect
	Commercial			Real Estate			Construction			Mortgage			Home Equity			Consumer			Total
(Dollars in thousands)
Allowance for loan losses:
Beginning Balance	$	1,657		$	18,595		$	158		$	751		$	708		$	796		$	22,665
Provision for loan losses		786			19,853			(55	)		837			107			(318	)		21,210
Allowance associated with probable branch divestiture and probable loan sale		(1	)		(5	)		-			(236	)		(41	)		-			(283	)
Charge-offs		(1,093	)		(24,987	)		-			(438	)		(246	)		(188	)		(26,952	)
Recoveries		73			271			-			8			82			107			541
Total ending allowance balance	$	1,422		$	13,727		$	103		$	922		$	610		$	397		$	17,181

Activity in the allowance for loan losses for the year ending December 31, 2010 was as follows:

	As of and For the
	Year Ended
(Dollars in thousands)	December 31, 2010
Balance, beginning of year	$	17,719
Provision for loan losses		16,881
Charge-offs		(12,195	)
Recoveries		260
Balance, end of year	$	22,665

Allowance for Credit Losses on Financing Receivables [Table Text Block]

The following tables present the balance in the allowance for loan losses and the recorded investment in loans by portfolio segment and based on the impairment method as of December 31, 2012 and 2011:

December 31, 2012			Commercial		Real Estate		Residential		Consumer &		Indirect
	Commercial		Real Estate		Construction		Mortgage		Home Equity		Consumer		Total
(Dollars in thousands)
Allowance for loan losses:
Ending allowance balance attributable to loans:
Individually evaluated for impairment	$	252	$	7,593	$	-	$	86	$	51	$	-	$	7,982
Collectively evaluated for impairment		984		7,162		60		415		391		271		9,283
Total ending allowance balance	$	1,236	$	14,755	$	60	$	501	$	442	$	271	$	17,265
Loans:
Loans individually evaluated for impairment	$	1,071	$	43,065	$	448	$	213	$	188	$	-	$	44,985
Loans collectively evaluated for impairment		18,860		274,679		2,693		109,812		57,700		16,211		479,955
Total ending loans balance	$	19,931	$	317,744	$	3,141	$	110,025	$	57,888	$	16,211	$	524,940

December 31, 2011				Commercial			Real Estate		Residential			Consumer &			Indirect
	Commercial			Real Estate			Construction		Mortgage			Home Equity			Consumer		Total
(Dollars in thousands)
Allowance for loan losses:
Ending allowance balance attributable to loans:
Individually evaluated for impairment	$	410		$	3,403		$	-	$	481		$	109		$	39	$	4,442
Collectively evaluated for impairment		1,012			10,324			103		441			501			358		12,739
Loans held for sale		-			-			-		-			-			-		-
Total ending allowance balance	$	1,422		$	13,727		$	103	$	922		$	610		$	397	$	17,181
Loans:
Loans individually evaluated for impairment	$	3,230		$	61,345		$	-	$	1,681		$	193		$	123	$	66,572
Loans collectively evaluated for impairment		26,905			397,440			4,925		150,185			69,778			21,769		671,002
Loans held for sale		(18	)		(11,411	)		-		(29,520	)		(5,163	)		-		(46,112	)
Total ending loans balance	$	30,117		$	447,374		$	4,925	$	122,346		$	64,808		$	21,892	$	691,462

Impaired Financing Receivables [Table Text Block]

The following tables present loans individually evaluated for impairment by class of loans as of December 31, 2012 and 2011. The difference between the unpaid principal balance and recorded investment represents partial write downs/charge offs taken on individual impaired credits. The recorded investment and average recorded investment in loans excludes accrued interest receivable and loan origination fees.

December 31, 2012	Unpaid				Allowance for		Average		Interest		Cash Basis
	Principal		Recorded		Loan Losses		Recorded		Income		Interest
(Dollars in thousands)	Balance		Investment		Allocated		Investment		Recognized		Recognized
With no related allowance recorded:
Commercial	$	588	$	588	$	-	$	1,070	$	39	$	39
Commercial Real Estate:
Land Development		5,595		4,873		-		5,728		237		237
Building Lots		477		212		-		810		14		14
Other		21,673		16,052		-		24,961		961		961
Real Estate Construction		448		448		-		90		-		-
Residential Mortgage		-		-		-		-		-		-
Consumer and Home Equity		-		-		-		-		-		-
Indirect Consumer		-		-		-		-		-		-
With an allowance recorded:
Commercial		483		483		252		564		21		21
Commercial Real Estate:
Land Development		2,674		2,674		899		2,436		101		101
Building Lots		-		-		-		191		3		3
Other		19,254		19,254		6,694		20,075		772		772
Real Estate Construction		-		-		-		-		-		-
Residential Mortgage		213		213		86		1,191		24		24
Consumer and Home Equity		188		188		51		260		6		6
Indirect Consumer		-		-		-		54		1		1
Total	$	51,593	$	44,985	$	7,982	$	57,430	$	2,179	$	2,179

December 31, 2011	Unpaid				Allowance for		Average		Interest		Cash Basis
	Principal		Recorded		Loan Losses		Recorded		Income		Interest
(Dollars in thousands)	Balance		Investment		Allocated		Investment		Recognized		Recognized
With no related allowance recorded:
Commercial	$	2,154	$	2,154	$	-	$	1,808	$	86	$	86
Commercial Real Estate:
Land Development		12,719		7,124		-		8,336		203		203
Building Lots		3,662		1,305		-		522		2		2
Other		36,475		32,337		-		36,743		1,461		1,461
Real Estate Construction		-		-		-		295		10		10
Residential Mortgage		-		-		-		-		-		-
Consumer and Home Equity		-		-		-		-		-		-
Indirect Consumer		-		-		-		-		-		-
With an allowance recorded:
Commercial		1,076		1,076		410		1,210		57		57
Commercial Real Estate:
Land Development		2,952		2,952		442		8,438		206		206
Building Lots		477		477		265		1,894		6		6
Other		17,518		17,150		2,696		24,481		974		974
Real Estate Construction		-		-		-		216		8		8
Residential Mortgage		1,802		1,681		481		1,648		19		19
Consumer and Home Equity		193		193		109		261		-		-
Indirect Consumer		123		123		39		134		-		-
Total	$	79,151	$	66,572	$	4,442	$	85,986	$	3,032	$	3,032

Impaired loans as of December 31, 2010 are summarized below.

	As of and For the
	Year Ended
(Dollars in thousands)	December 31, 2010
Year-end impaired loans	$	91,424
Amount of allowance for loan loss allocated		13,097
Average impaired loans outstanding		80,764
Interest income recognized		2,461
Interest income received		2,461

Schedule Of Recorded Investment In Restructured, Nonaccrual and Loans Past Due [Table Text Block]

The following tables present the recorded investment in restructured, nonaccrual and loans past due over 90 days still on accrual by class of loans as of December 31, 2012 and 2011.

					Loans Past Due
December 31, 2012					Over 90 Days		Non-Accrual
	Restructured on		Restructured on		Still		Excluding
(Dollars in thousands)	Non-Accrual Status		Accrual Status		Accruing		Restructured
Commercial	$	31	$	221	$	-	$	562
Commercial Real Estate:
Land Development		675		3,053		-		695
Building Lots		-		170		-		212
Other		9,047		19,080				8,908
Real Estate Construction		-		-		-		448
Residential Mortgage		-		303		-		827
Consumer and Home Equity		-		24		-		37
Indirect Consumer		-		-		-		13
Total	$	9,753	$	22,851	$	-	$	11,702

					Loans Past Due
December 31, 2011					Over 90 Days		Non-Accrual
	Restructured on		Restructured on		Still		Excluding
(Dollars in thousands)	Non-Accrual Status		Accrual Status		Accruing		Restructured
Commercial	$	31	$	195	$	-	$	584
Commercial Real Estate:
Land Development		1,705		-		-		3,184
Building Lots		-		-		-		1,782
Other		15,961		15,522		-		14,879
Real Estate Construction		-		-		-		-
Residential Mortgage		335		305		-		969
Consumer and Home Equity		-		25		-		234
Indirect Consumer		-		-		-		86
Total	$	18,032	$	16,047	$	-	$	21,718

Past Due Financing Receivables [Table Text Block]

The following tables present the aging of the unpaid principal in past due loans as of December 31, 2012 and 2011 by class of loans:

December 31, 2012	30-59		60-89		Greater than
	Days		Days		90 Days		Total		Loans Not
(Dollars in thousands)	Past Due		Past Due		Past Due		Past Due		Past Due		Total
Commercial	$	-	$	95	$	562	$	657	$	19,274	$	19,931
Commercial Real Estate:
Land Development		361		-		1,228		1,589		26,721		28,310
Building Lots		-		-		212		212		1,939		2,151
Other		1,264		1,239		13,001		15,504		271,779		287,283
Real Estate Construction		-		-		448		448		2,693		3,141
Residential Mortgage		3,588		995		827		5,410		104,615		110,025
Consumer and Home Equity		351		255		45		651		57,237		57,888
Indirect Consumer		246		130		13		389		15,822		16,211
Total	$	5,810	$	2,714	$	16,336	$	24,860	$	500,080	$	524,940

December 31, 2011	30-59		60-89		Greater than
	Days		Days		90 Days		Total		Loans Not
(Dollars in thousands)	Past Due		Past Due		Past Due		Past Due		Past Due		Total
Commercial	$	424	$	469	$	1,426	$	2,319	$	27,816	$	30,135
Commercial Real Estate:
Land Development		-		-		2,420		2,420		33,504		35,924
Building Lots		-		-		1,782		1,782		2,098		3,880
Other		5,333		6,467		17,815		29,615		389,366		418,981
Real Estate Construction		-		-		-		-		4,925		4,925
Residential Mortgage		331		812		3,677		4,820		147,046		151,866
Consumer and Home Equity		310		261		638		1,209		68,762		69,971
Indirect Consumer		327		95		86		508		21,384		21,892
Total (1)	$	6,725	$	8,104	$	27,844	$	42,673	$	694,901	$	737,574

(1) Includes loans held for sale in probable branch divestiture and probable loan sale

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

The following tables present loans by class modified as troubled debt restructurings that occurred during the years ending December 31, 2012 and 2011:

			Pre-Modification		Post-Modification
December 31, 2012			Outstanding		Outstanding
	Number		Recorded		Recorded
(Dollars in thousands)	of Loans		Investment		Investment
Troubled Debt Restructurings:
Commercial		2	$	58	$	58
Commercial Real Estate:
Land Development		3		3,727		3,586
Building Lots		2		171		171
Other		6		6,508		6,508
Real Estate Construction		-		-		-
Residential Mortgage		-		-		-
Consumer and Home Equity		-		-		-
Indirect Consumer		-		-		-
Total		13	$	10,464	$	10,323

The troubled debt restructurings described above increased the allowance for loan losses by $197,000 and resulted in charge offs of $141,000 during the year ending December 31, 2012.

			Pre-Modification		Post-Modification
December 31, 2011			Outstanding		Outstanding
	Number		Recorded		Recorded
(Dollars in thousands)	of Loans		Investment		Investment
Troubled Debt Restructurings:
Commercial		1	$	31	$	31
Commercial Real Estate:
Land Development		2		2,865		1,706
Building Lots		-		-		-
Other		18		33,220		31,483
Real Estate Construction		-		-		-
Residential Mortgage		1		430		335
Consumer and Home Equity		-		-		-
Indirect Consumer		-		-		-
Total		22	$	36,546	$	33,555

Troubled Debt Restructurings On Financing Receivables Subsequently Defaulted [Table Text Block]

The following tables present loans by class modified as troubled debt restructurings for which there was a payment default within twelve months following the modification during the years ending December 31, 2012 and 2011:

December 31, 2012
	Number		Recorded
(Dollars in thousands)	of Loans		Investment
Troubled Debt Restructurings:
Commercial		-	$	-
Commercial Real Estate:
Land Development		2		2,862
Building Lots		-		-
Other		1		7,531
Real Estate Construction		-		-
Residential Mortgage		-		-
Consumer and Home Equity		-		-
Indirect Consumer		-		-
Total		3	$	10,393

The troubled debt restructurings that subsequently defaulted described above increased the allowance for loan losses by $1.6 million and resulted in charge offs of $2.2 million for the year ending December 31, 2012.

December 31, 2011
	Number		Recorded
(Dollars in thousands)	of Loans		Investment
Troubled Debt Restructurings:
Commercial		1	$	8
Commercial Real Estate:
Land Development		-		-
Building Lots		-		-
Other		1		817
Real Estate Construction		-		-
Residential Mortgage		1		335
Consumer and Home Equity		-		-
Indirect Consumer		-		-
Total		3	$	1,160

Financing Receivable Credit Quality Indicators [Table Text Block]

As of December 31, 2012 and 2011, and based on the most recent analysis performed, the risk category of loans by class of loans is as follows:

December 31, 2012
(Dollars in thousands)	Not Rated		Pass		Criticized		Substandard		Doubtful		Loss		Total
Commercial	$	-	$	16,736	$	2,000	$	1,195	$	-	$	-	$	19,931
Commercial Real Estate:
Land Development		-		17,744		3,059		7,507		-		-		28,310
Building Lots		-		1,447		492		212		-		-		2,151
Other		-		233,261		18,297		35,725		-		-		287,283
Real Estate Construction		-		2,693		-		448		-		-		3,141
Residential Mortgage		105,148		-		442		4,435		-		-		110,025
Consumer and Home Equity		56,593		-		569		726		-		-		57,888
Indirect Consumer		16,129		-		10		72		-		-		16,211
Total	$	177,870	$	271,881	$	24,869	$	50,320	$	-	$	-	$	524,940

December 31, 2011
(Dollars in thousands)	Not Rated		Pass		Criticized		Substandard		Doubtful		Loss		Total
Commercial	$	-	$	24,082	$	1,634	$	4,389	$	30	$	-	$	30,135
Commercial Real Estate:
Land Development		-		20,656		5,192		10,076		-		-		35,924
Building Lots		-		1,549		549		1,782		-		-		3,880
Other		-		338,483		22,746		57,752		-		-		418,981
Real Estate Construction		-		4,925		-		-		-		-		4,925
Residential Mortgage		146,003		-		573		5,290		-		-		151,866
Consumer and Home Equity		68,101		-		729		1,141		-		-		69,971
Indirect Consumer		21,627		-		4		261		-		-		21,892
Total (1)	$	235,731	$	389,695	$	31,427	$	80,691	$	30	$	-	$	737,574

(1) Includes loans held for sale in probable branch divestiture and probable loan sale

Schedule Of Performing and Non Performing Loans By Class Of Loans [Table Text Block]

The following tables present the unpaid principal balance in residential mortgage, consumer and home equity and indirect consumer loans based on payment activity as of December 31, 2012 and 2011:

December 31, 2012	Residential		Consumer &		Indirect
(Dollars in thousands)	Mortgage		Home Equity		Consumer
Performing	$	109,198	$	57,851	$	16,198
Restructured on non-accrual		-		-		-
Non-accrual		827		37		13
Total	$	110,025	$	57,888	$	16,211

December 31, 2011	Residential		Consumer &		Indirect
(Dollars in thousands)	Mortgage		Home Equity		Consumer
Performing	$	150,562	$	69,737	$	21,806
Restructured on non-accrual		335		-		-
Non-accrual		969		234		86
Total	$	151,866	$	69,971	$	21,892