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

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-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

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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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+ 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 (Details) (USD $) In Thousands, unless otherwise specified	Dec. 31, 2012	Dec. 31, 2011	Dec. 31, 2010	Dec. 31, 2009
Subtotals - Gross loans	$ 492,230	$ 450,088
Loans in process of disbursement	(7,039)	(4,787)
Subtotals - Disbursed loans	485,191	445,301
Net deferred loan costs	231	197
Allowance for loan losses	(7,431)	(7,941)	(7,960)	(7,611)
Net loans receivable	477,991	437,557
Commercial, industrial and municipal
Subtotals - Gross loans	132,633	127,192
Commercial real estate mortgage
Subtotals - Gross loans	183,818	184,360
Commercial construction and development
Subtotals - Gross loans	28,482	20,078
Residential real estate mortgage
Subtotals - Gross loans	105,579	78,114
Residential construction and development
Subtotals - Gross loans	15,247	13,419
Residential real estate home equity
Subtotals - Gross loans	21,756	23,193
Consumer and individual
Subtotals - Gross loans	$ 4,715	$ 3,732