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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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

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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	Mar. 31, 2013	Dec. 31, 2012	Mar. 31, 2012	Dec. 31, 2011
Gross loans	$ 504,701
Loans in process of disbursement	(4,937)
Subtotals - Disbursed loans	499,764	485,191
Net deferred loan costs	258
Allowance for loan losses	(7,434)	(7,431)	(7,755)	(7,941)
Net loans receivable	492,588
Commercial, industrial and municipal
Gross loans	128,875	132,633
Commercial real estate mortgage
Gross loans	190,613	183,818
Commercial construction and development
Gross loans	29,867	28,482
Residential real estate mortgage
Gross loans	116,816	105,579
Residential construction and development
Gross loans	13,302	15,247
Residential real estate home equity
Gross loans	20,734	21,756
Consumer and individual
Gross loans	$ 4,494	$ 4,715