OTHER REAL ESTATE OWNED (Tables)

12 Months Ended

Dec. 31, 2012

OTHER REAL ESTATE OWNED [Abstract]

Details of changes in other real estate owned

OREO declined $7.6 million from $21.0 million at December 31, 2011 to $13.4 million at December 31, 2012.  Set forth below is a table which details the changes in OREO from December 31, 2011 to December 31, 2012.

	For the year ended December 31, 2012
(In thousands)	First Quarter			Second Quarter			Third Quarter			Fourth Quarter
Beginning balance	$	21,016		$	24,304		$	23,727		$	22,080
Net proceeds from sales		(4,536	)		(928	)		(922	)		(5,628	)
Net (loss) gain on sales		(138	)		255			228			18
Assets acquired on non-accrual loans		8,015			1,092			1,411			293
Impairment charge		(53	)		(996	)		(2,364	)		(3,328	)
Ending balance	$	24,304		$	23,727		$	22,080		$	13,435