INCOME TAXES (Details 2) (USD $) In Thousands, unless otherwise specified	Dec. 31, 2012	Dec. 31, 2011
Deferred tax assets:
Allowance for loan losses	$ 5,965	$ 6,029
Net operating loss carryforward	8,176	5,269
AMT credit carryforward	196	196
Low income housing credits	2,922	1,862
Intangibles and fair value adjustments	120	90
Other than temporary impairment	0	718
Writedowns of real estate owned	3,917	3,560
Nonaccrual loan interest	1,253	1,024
Accrued liabilities and other	230	330
Total deferred tax assets	22,779	19,078
Deferred tax liabilities:
Depreciation	1,982	2,134
Net unrealized gain on securities available-for-sale	1,299	1,318
Federal Home Loan Bank stock	1,049	1,049
Deferred gain on like-kind exchange	4	8
Other	290	227
Total deferred tax liabilities	4,624	4,736
Net temporary differences	18,155	14,342
Valuation allowance	(18,155)	(14,342)
Net deferred tax assets	$ 0	$ 0