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INCOME TAXES (Details 1)
12 Months Ended
Dec. 31, 2012
Dec. 31, 2011
Dec. 31, 2010
Federal statutory rate 34.00% 34.00% 34.00%
Change in valuation allowance (45.30%) (31.80%) (63.00%)
Tax-exempt interest income 1.20% 1.30% 3.80%
Increase in cash surrender value of life insurance 1.50% 0.40% 1.60%
Stock option expense (0.50%) (0.10%) (0.50%)
Effect of state tax expense recorded 0.00% 0.00% 0.50%
Low income Housing tax credits 12.70% 7.10% 0.00%
Other (3.40%) 0.50% 0.10%
Effective rate 0.20% 11.40% (23.50%)