Amount of allowance to cover probable credit losses on loans and leases. Includes carryover of or adjustments to the allowance for loan losses in connection with business combinations. Excludes allowance for loans and leases covered under loss sharing agreements.

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Statement of Financial Accounting Standard (FAS)

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Reference 7: http://www.xbrl.org/2003/role/presentationRef

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-Name Staff Accounting Bulletin (SAB)

-Number Topic 6

-Section L

-Subsection 1

+ Details

- Definition

Amount of deferred interest and fee income, unamortized costs incurred to originate loans and leases, unamortized loan commitments and loan syndication fees, and premiums over or discounts from face amounts of acquired loans. Excludes amounts for loans and leases covered under loss sharing agreements.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher OTS

-Name Federal Regulation (FR)

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-LegacyDoc This is a non-GAAP reference that was included in the 2009 taxonomy. It will be removed from future versions of this taxonomy.

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Reference 3: http://www.xbrl.org/2003/role/presentationRef

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-Paragraph 1

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+ Details

- Definition

Amount after allowance and deduction of deferred interest and fees, unamortized costs and premiums and discounts from face amounts, of loans and leases held in portfolio, including but not limited to, commercial and consumer loans. Excludes loans and leases covered under loss sharing agreements.

+ References+ Details

LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES (Details) (USD $) In Thousands, unless otherwise specified	Sep. 30, 2012	Dec. 31, 2011	Sep. 30, 2011	Dec. 31, 2010
Subtotals - Gross loans	$ 487,134	$ 450,088
Loans in process of disbursement	(6,676)	(4,787)
Subtotals - Disbursed loans	480,458	445,301
Net deferred loan costs	222	197
Allowance for loan losses	7,431	7,941	8,019	7,960
Net loans receivable	473,249	437,557
Commercial, industrial and municipal
Subtotals - Gross loans	138,021	127,192
Commercial real estate mortgage
Subtotals - Gross loans	184,183	184,360
Commercial construction and development
Subtotals - Gross loans	25,544	20,078
Residential real estate mortgage
Subtotals - Gross loans	97,687	78,114
Residential construction and development
Subtotals - Gross loans	13,514	13,419
Residential real estate home equity
Subtotals - Gross loans	22,883	23,193
Consumer and individual
Subtotals - Gross loans	$ 5,302	$ 3,732