STOCKHOLDERS' EQUITY AND REGULATORY MATTERS (Tables)

3 Months Ended

Mar. 31, 2013

STOCKHOLDERS' EQUITY AND REGULATORY MATTERS [Abstract]

Summary of Regulatory Capital Ratios

Shown below is a summary of regulatory capital ratios for the Company:

	Mar 31, 2013			December 31, 2012			Regulatory Minimum Requirements			To Be Considered Well Capitalized
Tier I Capital (to Risk-Weighted Assets)		16.6	%		16.1	%		4.0	%		6.0	%
Total Capital (to Risk-Weighted Assets)		17.9	%		17.4	%		8.0	%		10.0	%
Tier I Capital (to Average Assets)		10.3	%		10.0	%		4.0	%		5.0	%