Kentucky Bancshares (KTYB) 10-Q 13 Nov 13 2013 Q3 Quarterly report Financial data

Document_and_Entity_Informatio

Document and Entity Information	9 Months Ended
	Sep. 30, 2013	Oct. 31, 2013
Document and Entity Information	'	'
Entity Registrant Name	'KENTUCKY BANCSHARES INC /KY/	'
Entity Central Index Key	'0001000232	'
Document Type	'10-Q	'
Document Period End Date	30-Sep-13	'
Amendment Flag	'false	'
Current Fiscal Year End Date	'--12-31	'
Entity Current Reporting Status	'Yes	'
Entity Filer Category	'Non-accelerated Filer	'
Entity Common Stock, Shares Outstanding	'	2,720,894
Document Fiscal Year Focus	'2013	'
Document Fiscal Period Focus	'Q3	'

CONSOLIDATED_BALANCE_SHEETS

CONSOLIDATED BALANCE SHEETS (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Assets	'	'
Cash and due from banks	$18,528	$31,580
Federal funds sold	139	184
Cash and cash equivalents	18,667	31,764
Securities available for sale	210,341	192,780
Mortgage loans held for sale	912	486
Loans	464,866	429,975
Allowance for loan losses	-5,501	-6,047
Net loans	459,365	423,928
Federal Home Loan Bank stock	6,731	6,731
Real estate owned, net	3,758	4,168
Bank premises and equipment, net	16,891	16,768
Interest receivable	3,755	3,946
Mortgage servicing rights	1,273	1,152
Goodwill	13,117	13,117
Other intangible assets	361	532
Other assets	6,265	5,638
Total assets	741,436	701,010
Deposits	'	'
Non-interest bearing	152,766	144,575
Time deposits, $100,000 and over	93,980	91,948
Other interest bearing	326,740	353,902
Total deposits	573,486	590,425
Repurchase agreements and other borrowings	9,939	4,315
Federal Funds Purchased	7,439	'
Short-term Federal Home Loan Bank advances	15,000	'
Long-term Federal Home Loan Bank advances	53,579	17,449
Subordinated debentures	7,217	7,217
Interest payable	744	610
Other liabilities	4,718	6,986
Total liabilities	672,122	627,002
Stockholders' equity	'	'
Preferred stock, 300,000 shares authorized and unissued	'	'
Common stock, no par value; 10,000,000 shares authorized; 2,720,884 and 2,719,694 shares issued and outstanding on September 30, 2013 and December 31, 2012	12,575	12,529
Retained earnings	59,987	57,196
Accumulated other comprehensive income/(loss)	-3,248	4,283
Total stockholders' equity	69,314	74,008
Total liabilities & stockholders' equity	$741,436	$701,010

CONSOLIDATED_BALANCE_SHEETS_Pa

CONSOLIDATED BALANCE SHEETS (Parenthetical) (USD $)	Sep. 30, 2013	Dec. 31, 2012
CONSOLIDATED BALANCE SHEETS	'	'
Preferred stock, shares authorized	300,000	300,000
Preferred stock, shares issued	0	0
Common stock, par value (in dollars per share)	'	'
Common stock, shares authorized	10,000,000	10,000,000
Common stock, shares issued	2,720,884	2,719,694
Common stock, shares outstanding	2,720,884	2,719,694

CONSOLIDATED_STATEMENTS_OF_INC

CONSOLIDATED STATEMENTS OF INCOME AND COMPREHENSIVE INCOME (Loss) (USD $)	3 Months Ended		9 Months Ended
In Thousands, except Per Share data, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
INTEREST INCOME:	'	'	'	'
Loans, including fees	$5,815	$5,789	$17,094	$17,648
Securities	'	'	'	'
Taxable	543	336	1,549	1,260
Tax exempt	673	735	2,022	2,271
Other	74	78	233	242
Total interest income	7,105	6,938	20,898	21,421
INTEREST EXPENSE:	'	'	'	'
Deposits	563	591	1,725	1,913
Repurchase agreements and other borrowings	25	3	56	28
Federal Home Loan Bank advances	213	194	543	738
Subordinated debentures	59	72	174	195
Total interest expense	860	860	2,498	2,874
Net interest income	6,245	6,078	18,400	18,547
Loan loss provision	250	600	850	1,600
Net interest income after provision	5,995	5,478	17,550	16,947
NON-INTEREST INCOME:	'	'	'	'
Service charges	1,132	1,198	3,240	3,481
Loan service fee income, net	100	-54	64	29
Trust department income	188	159	548	503
Securities available for sale gains	'	616	774	887
Gain on sale of mortgage loans	291	625	1,431	1,473
Brokerage income	102	48	279	169
Debit card interchange income	491	467	1,444	1,394
Other	38	29	-8	130
Total other income	2,342	3,088	7,772	8,066
NON-INTEREST EXPENSE:	'	'	'	'
Salaries and employee benefits	3,660	3,114	10,438	9,267
Occupancy expenses	811	743	2,358	2,229
Repossession expenses, net	18	500	53	1,020
FDIC insurance	123	147	385	433
Legal and professional fees	278	127	668	499
Data processing	333	277	1,021	887
Debit card expenses	250	237	718	658
Amortization	57	58	171	175
Advertising and marketing	274	177	650	529
Taxes other than payroll, property and income	223	215	670	643
Telephone	62	79	172	237
Postage	80	77	227	225
Loan fees	87	165	333	376
Other	472	574	1,485	1,605
Total other expenses	6,728	6,490	19,349	18,783
Income before taxes	1,609	2,076	5,973	6,230
Income taxes	242	378	1,112	1,136
Net income	1,367	1,698	4,861	5,094
Other Comprehensive Income (loss), net of tax:	'	'	'	'
Change in Unrealized Gains (losses) on Securities	-1,555	243	-7,531	1,519
Comprehensive Income (Loss)	($188)	$1,941	($2,670)	$6,613
Earnings per share	'	'	'	'
Basic (in dollars per share)	$0.51	$0.63	$1.80	$1.88
Diluted (in dollars per share)	$0.51	$0.63	$1.80	$1.88
Dividends per share (in dollars per share)	$0.24	$0.23	$0.72	$0.69

CONSOLIDATED_STATEMENT_OF_CHAN

CONSOLIDATED STATEMENT OF CHANGES IN STOCKHOLDERS' EQUITY (USD $)		Total	Common Stock		Retained Earnings	Accumulated Other Comprehensive Income/(Loss)
In Thousands, except Share data, unless otherwise specified
Balances at Dec. 31, 2012		$74,008	$12,529	[1]	$57,196	$4,283
Balances (in shares) at Dec. 31, 2012	[1]	'	2,719,694		'	'
Increase (Decrease) in Stockholders' Equity		'	'		'	'
Common stock issued, including tax benefit, net (in shares)	[1]	'	6,908		'	'
Stock based compensation expense		72	72	[1]	'	'
Common stock purchased and retired		-135	-26	[1]	-109	'
Common stock purchased and retired (in shares)	[1]	'	-5,718		'	'
Net change in unrealized gain (loss) on securities available for sale, net of tax and reclassifications		-7,531	'		'	-7,531
Net income		4,861	'		4,861	'
Dividends declared - $0.72 per share		-1,961	'		-1,961	'
Balances at Sep. 30, 2013		$69,314	$12,575	[1]	$59,987	($3,248)
Balances (in shares) at Sep. 30, 2013	[1]	'	2,720,884		'	'
[1]	Common Stock has no par value; amount includes Additional Paid-in Capital

CONSOLIDATED_STATEMENT_OF_CHAN1

CONSOLIDATED STATEMENT OF CHANGES IN STOCKHOLDERS' EQUITY (Parenthetical) (USD $)	3 Months Ended		9 Months Ended
	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012	Dec. 31, 2012
CONSOLIDATED STATEMENT OF CHANGES IN STOCKHOLDERS' EQUITY	'	'	'	'	'
Dividends per share (in dollars per share)	$0.24	$0.23	$0.72	$0.69	'
Common stock, par value (in dollars per share)	'	'	'	'	'

CONSOLIDATED_STATEMENTS_OF_CAS

CONSOLIDATED STATEMENTS OF CASH FLOWS (USD $)	9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012
Cash Flows From Operating Activities	'	'
Net Income	$4,861	$5,094
Adjustments to reconcile net income to net cash provided by operating activities:	'	'
Depreciation and amortization	1,331	1,346
Securities amortization (accretion), net	724	1,110
Stock based compensation expense	72	69
Provision for loan losses	850	1,600
Securities gains, net	-774	-887
Originations of loans held for sale	-45,878	-47,196
Proceeds from sale of loans	46,883	49,047
Losses (gains) on sale of fixed assets	100	14
Losses (gains) on other real estate	-25	153
Gain on sale of mortgage loans	-1,431	-1,473
Changes in:	'	'
Interest receivable	191	18
Write-downs of other real estate, net	-79	381
Other assets	-1,092	-2,146
Interest payable	134	-242
Other liabilities	1,612	5,980
Net cash from operating activities	7,479	12,868
Cash Flows From Investing Activities	'	'
Purchases of securities	-89,456	-69,896
Proceeds from principal payments, sales, maturities and calls of securities	60,533	69,418
Net change in loans	-36,759	-18,244
Purchases of bank premises and equipment	-1,366	-852
Purchase of other real estate	258	17
Proceeds from the sale of other real estate	1,056	3,037
Net cash from investing activities	-65,734	-16,520
Cash Flows From Financing Activities:	'	'
Net change in deposits	-16,939	-2,343
Net change in repurchase agreements and other borrowings	13,563	2,063
Short-term advances from Federal Home Loan Bank, net of pay-offs	15,000	15,000
Long-term advances from Federal Home Loan Bank	42,660	'
Payments on long-term Federal Home Loan Bank advances	-6,530	-12,408
Payments on note payable	-500	-600
Proceeds from issuance of common stock	'	1
Purchase of common stock	-135	-56
Dividends paid	-1,961	-1,878
Net cash from financing activities	45,158	-221
Net change in cash and cash equivalents	-13,097	-3,873
Cash and cash equivalents at beginning of period	31,764	17,657
Cash and cash equivalents at end of period	18,667	13,784
Cash paid during the year for:	'	'
Interest expense	2,364	3,116
Income taxes	1,275	600
Supplemental disclosures of non-cash investing activities	'	'
Real estate acquired through foreclosure	$472	$2,257

SUMMARY_OF_SIGNIFICANT_ACCOUNT

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	9 Months Ended
	Sep. 30, 2013
Accounting Policies [Abstract]	'
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	'
	1.              SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
	The financial information presented as of any date other than December 31 has been prepared from the Company’s books and records without audit.  The accompanying consolidated financial statements have been prepared in accordance with the instructions to Form 10-Q and Rule 10-01 of Regulation S-X.  Certain financial information that is normally included in annual financial statements prepared in accordance with accounting principles generally accepted in the United States of America, but is not required for interim reporting purposes, has been condensed or omitted.  There have been no significant changes to the Company’s accounting and reporting policies as disclosed in the Company’s Annual Report on Form 10-K for the year ended December 31, 2012.  In the opinion of management, all adjustments, consisting of normal recurring adjustments, necessary for a fair presentation of such financial statements, have been included.  The results of operations for the interim periods are not necessarily indicative of the results to be expected for the full year.
	For further information, refer to the consolidated financial statements and footnotes thereto included in the Company’s Annual Report on Form 10-K for the year ended December 31, 2012.
	Basis of Presentation:  The consolidated financial statements include the accounts of Kentucky Bancshares, Inc. (the “Company”, “we”, “our” or “us”), its wholly-owned subsidiary, Kentucky Bank (the “Bank”), and the Bank’s wholly-owned subsidiary, KB Special Assets Unit, LLC.  Intercompany transactions and balances have been eliminated in consolidation.
	Nature of Operations:  The Bank operates under a state bank charter and provides full banking services, including trust services, to customers located in Bourbon, Clark, Elliott, Fayette, Harrison, Jessamine, Rowan, Scott, Woodford and adjoining counties in Kentucky.  In October 2013, we filed a branch application for Richmond, Kentucky with the FDIC, and anticipate regulatory approval.  We anticipate the branch will be open in the first quarter of 2014.  Management continues to consider opportunities for branch expansion and will also consider acquisition opportunities that help advance its strategic objectives.  As a state bank, the Bank is subject to regulation by the Kentucky Department of Financial Institutions and the Federal Deposit Insurance Corporation (“FDIC”).  The Company, a bank holding company, is regulated by the Federal Reserve.
	Estimates in the Financial Statements:  The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period.  Actual results could differ from those estimates and such differences could be material to the financial statements.  The allowance for loan losses, loss contingencies, mortgage servicing rights, real estate owned, goodwill and fair value of financial instruments are particularly subject to change.
	Loss Contingencies:  Loss contingencies, including claims and legal actions arising in the ordinary course of business, are recorded as liabilities when the likelihood of loss is probable and an amount or range of loss can be reasonably estimated.  The Company terminated the Kentucky Bancshares, Inc. Retirement Plan and Trust (the “Plan”) in a standard termination, with a termination date of December 31, 2008.  Prior to such termination, the Pension Protection Act of 2006 (“PPA”) had amended Internal Revenue Code (“IRC”) Section 417(e)(3) in part by changing the definition of “applicable interest rate” in a manner that in most cases (when combined with other changes to IRC Section 417(e)(3)) would result in a decrease in the value of a participant’s or beneficiary’s plan benefits under pension plans such as the Company’s Plan with the new definition applicable (for most plans, including the Plan) to lump sums with annuity starting dates in or after the 2008 plan year.  The Plan had determined in mid-2008 to comply with IRC Section 417(e)(3), as amended by PPA, by using  the assumptions governing minimum lump sums (the “PPA Minimum Methodology”), rather than by using the pre-PPA minimum lump sum assumptions, and operated the Plan in compliance with that decision.  The Plan paid two lump sum payments to participants in July and December of 2008, prior to the termination of the Plan, and determined the value of those participants’ benefits using the PPA Minimum Methodology.  As permitted by the IRC, the Plan was amended on February 24, 2009 (after the termination of the Plan on December 31, 2008) to formalize that decision in accordance with Section 1107 of PPA.
	Section 4041.8(a) of the Pension Benefit Guaranty Corporation (“PBGC”) regulations generally provides that “a participant’s or beneficiary’s plan benefits are determined under the plan’s provisions in effect on the plan’s termination date.”  The regulations further provide that an amendment adopted after the plan’s termination date is taken into account with respect to a participant’s or beneficiary’s plan benefits to the extent the amendment does not decrease the value of the participant’s or beneficiary’s plan benefits under the plan’s provisions in effect on the termination date; however, the regulations, at Section 4041.8(c)(1), also provide that an amendment shall not be treated as decreasing the value of a participant’s or beneficiary’s plan benefits to the extent “the decrease  is necessary to meet a qualification requirement under Section 401 of the IRC.”
	The Internal Revenue Service issued a favorable determination as to the Plan termination in July 2010.  Subsequent to Plan termination and distributions to Plan participants, the Plan was selected for audit by the PBGC.  The PBGC has asserted that the February, 2009 amendment to the Plan violated PBGC Regulation Section 4041.8(a) because the amendment served to lower benefits to Plan beneficiaries, and the PBGC has filed a Complaint in United States District Court (Eastern District of Kentucky) (the “Litigation”) to require the Company to make additional distributions to Plan beneficiaries.  A preliminary estimate provided by the Plan actuary indicates the potential exposure related to this matter (were the PBGC to prevail) is $1.3 million, plus another $235 thousand in estimated interest.  The Company believes it has meritorious defenses and intends to vigorously defend its position in the Litigation.  As such, the Company does not believe a loss is probable and has not recorded a liability relating to the PBGC assertion in the Litigation.
	Reclassifications:  Some items in the prior year financial statements were reclassified to conform to the current presentation.  Reclassifications had no effect on prior period net income or stockholders’ equity.
	Adoption of New Accounting Standards
	FASB ASC 220 — In February 2013, the Financial Accounting Standards Board (“FASB”) issued an update (ASU No. 2013-02, Reporting of Amounts Reclassified Out of Accumulated Other Comprehensive Income) impacting FASB ASC 220, Comprehensive Income.
	This update requires an entity to provide information about the amounts reclassified out of accumulated other comprehensive income. An entity is required to present, either on the face of the statement where net income is presented or in the notes, significant amounts reclassified out of accumulated other comprehensive income by the respective line items of net income but only if the amount reclassified is required under U.S. GAAP to be reclassified to net income in its entirety in the same reporting period. For other amounts not required under U.S. GAAP to be reclassified in their entirety to net income, an entity is required to cross-reference to other disclosures required under U.S. GAAP that provide additional detail about these amounts. This update became effective for the Company for interim and annual periods beginning after December 15, 2012 and did not have a material impact on the consolidated financial statements.

SECURITIES_AVAILABLE_FOR_SALE

SECURITIES AVAILABLE FOR SALE	9 Months Ended
	Sep. 30, 2013
SECURITIES AVAILABLE FOR SALE	'
SECURITIES AVAILABLE FOR SALE	'
	2.              SECURITIES AVAILABLE FOR SALE
	INVESTMENT SECURITIES
	Period-end securities are as follows:
	(in thousands)
				Gross			Gross
		Amortized		Unrealized			Unrealized			Fair
		Cost		Gains			Losses			Value
	Available for Sale
	September 30, 2013
	U.S. government agencies	$	73,969	$	66		$	(3,576	)	$	70,459
	States and political subdivisions	81,899		1,742			(2,191		)	81,450
	Mortgage-backed - residential	59,124		383			(1,368		)	58,139
	Equity securities	270		23			—			293
	Total	$	215,262	$	2,214		$	(7,135	)	$	210,341
	December 31, 2012
	U.S. government agencies	$	48,730	$	122		$	(21	)	$	48,831
	States and political subdivisions	77,867		4,887			(147		)	82,607
	Mortgage-backed - residential	59,424		1,635			(22		)	61,037
	Equity securities	270		35			—			305
	Total	$	186,291	$	6,679		$	(190	)	$	192,780
	The amortized cost and fair value of securities at September 30, 2013 by contractual maturity are shown below.  Expected maturities will differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties.  Securities not due at a single maturity are shown separately.
		Amortized		Fair
	(in thousands)	Cost		Value
	Due in one year or less	$	1,097	$	1,078
	Due after one year through five years	12,551		12,501
	Due after five years through ten years	73,082		71,128
	Due after ten years	69,138		67,202
		155,868		151,909
	Mortgage-backed - residential	59,124		58,139
	Equity	270		293
	Total	$	215,262	$	210,341
	Proceeds from sales of securities during the first nine months of 2013 and 2012 were $27.2 million and $31.8 million.  Gross gains of $774 thousand and $887 thousand and no gross losses were realized on those sales, respectively.  The tax provision related to these realized gains was $263 thousand and $302 thousand, respectively.
	Proceeds from sales of securities during the three months ending September 30, 2013 and September 30, 2012 were $0 and $15.7 million.  Gross gains of $0 and $616 thousand and no gross losses were realized on those sales, respectively.  The tax provision related to these realized gains was $0 and $209 thousand, respectively.
	Securities with unrealized losses at September 30, 2013 and at December 31, 2012 not recognized in income are as follows:
	September 30, 2013
		Less than 12 Months					12 Months or More					Total
		Fair		Unrealized			Fair			Unrealized		Fair		Unrealized
	Description of Securities	Value		Loss			Value			Loss		Value		Loss
	U.S. Government agencies	$	62,630	$	(3,576	)	$	—		$	—	$	62,630	$	(3,576	)
	States and municipals	26,478		(2,191		)	—			—		26,478		(2,191		)
	Mortgage-backed - residential	34,258		(1,368		)	—			—		34,258		(1,368		)
	Total temporarily impaired	$	123,366	$	(7,135	)	$	—		$	—	$	123,366	$	(7,135	)
	December 31, 2012
		Less than 12 Months					12 Months or More					Total
		Fair		Unrealized			Fair			Unrealized		Fair		Unrealized
	Description of Securities	Value		Loss			Value			Loss		Value		Loss
	U.S. Government agencies	$	11,979	$	(21	)	$	—		$	—	$	11,979	$	(21	)
	States and municipals	7,519		(147		)	—			—		7,519		(147		)
	Mortgage-backed - residential	5,773		(22		)	—			—		5,773		(22		)
	Total temporarily impaired	$	25,271	$	(190	)	$	—		$	—	$	25,271	$	(190	)
	The Company evaluates securities for other than temporary impairment at least on a quarterly basis, and more frequently when economic or market concerns warrant such evaluation.  In analyzing an issuer’s financial condition, we may consider many factors including, (1) whether the securities are issued by the federal government or its agencies, (2) whether downgrades by bond rating agencies have occurred, (3) the results of reviews of the issuer’s financial condition and near-term prospects, (4) the length of time and the extent to which the fair value has been less than cost, and (5) whether we intend to sell the investment security or more likely than not will be required to sell the investment security before its anticipated recovery.
	Unrealized losses on securities included in the tables above have not been recognized into income because (1) all rated securities are investment grade and are of high credit quality, (2) management does not intend to sell and it is more likely than not that management would not be required to sell the securities prior to their anticipated recovery, (3) management believes the decline in fair value is largely due to changes in interest rates and (4) management believes the declines in fair value are temporary.  The Company believes the fair value is expected to recover as the securities approach maturity.

LOANS

LOANS	9 Months Ended
	Sep. 30, 2013
LOANS	'
LOANS	'
	3. LOANS
	Loans at period-end are as follows:
	(in thousands)
		9/30/13		12/31/12
	Commercial	$	36,624	$	33,137
	Real estate construction	10,096		14,102
	Real estate mortgage:
	1-4 family residential	194,507		170,199
	Multi-family residential	14,367		11,512
	Non-farm & non-residential	124,800		113,440
	Agricultural	67,112		69,806
	Consumer	17,217		17,442
	Other	143		337
	Total	$	464,866	$	429,975
	Activity in the allowance for loan losses for the nine and three month periods indicated was as follows:
		Nine Months Ended September 30, 2013
		(in thousands)
		Beginning										Ending
		Balance		Charge-offs		Recoveries			Provision			Balance
	Commercial	$	150	$	12	$	28		$	(14	)	$	152
	Real estate Construction	918		578		21			55			416
	Real estate mortgage:
	1-4 family residential	1,989		186		58			210			2,071
	Multi-family residential	414		161		103			89			445
	Non-farm & non-residential	628		99		18			37			584
	Agricultural	845		109		22			(135		)	623
	Consumer	517		298		9			306			534
	Other	54		513		301			284			126
	Unallocated	532		—		—			18			550
		$	6,047	$	1,956	$	560		$	850		$	5,501
		Three Months Ended September 30, 2013
		(in thousands)
		Beginning										Ending
		Balance		Charge-offs		Recoveries			Provision			Balance
	Commercial	$	150	$	—	$	—		$	2		$	152
	Real estate Construction	373		—		—			43			416
	Real estate mortgage:
	1-4 family residential	1,984		45		2			130			2,071
	Multi-family residential	481		—		64			(100		)	445
	Non-farm & non-residential	677		99		—			6			584
	Agricultural	661		23		19			(34		)	623
	Consumer	548		46		(9		)	41			534
	Other	92		204		95			143			126
	Unallocated	531		—		—			19			550
		$	5,497	$	417	$	171		$	250		$	5,501
	Activity in the allowance for loan losses for the nine and three month periods indicated was as follows:
		Nine Months Ended September 30, 2012
		(in thousands)
		Beginning										Ending
		Balance		Charge-offs		Recoveries			Provision			Balance
	Commercial	$	192	$	—	$	24		$	(60	)	$	156
	Real estate Construction	1,008		73		14			(178		)	771
	Real estate mortgage:
	1-4 family residential	2,257		907		14			871			2,235
	Multi-family residential	336		52		1			63			348
	Non-farm & non-residential	410		64		—			278			624
	Agricultural	721		15		5			142			853
	Consumer	524		296		33			281			542
	Other	50		356		247			107			48
	Unallocated	344		—		—			96			440
		$	5,842	$	1,763	$	338		$	1,600		$	6,017
		Three Months Ended September 30, 2012
		(in thousands)
	Beginning										Ending
	Balance		Charge-offs		Recoveries			Provision			Balance
Commercial	$	198	$	—	$	24		$	(66	)	$	156
Real estate Construction	764		—		14			(7		)	771
Real estate mortgage:
1-4 family residential	2,099		295		6			425			2,235
Multi-family residential	274		—		—			74			348
Non-farm & non-residential	698		—		—			(74		)	624
Agricultural	791		—		1			61			853
Consumer	535		83		8			82			542
Other	37		102		55			58			48
Unallocated	393		—		—			47			440
	$	5,789	$	480	$	108		$	600		$	6,017
The following tables present the balance in the allowance for loan losses and the recorded investment (excluding accrued interest receivable amounting to $2.5 million as of September 30, 2013 and $2.8 million at December 31, 2012) in loans by portfolio segment and based on impairment method as of September 30, 2013 and December 31 2012:
	Individually		Collectively
	Evaluated for		Evaluated for
As of September 30, 2013	Impairment		Impairment		Total
(in thousands)
Allowance for Loan Losses:
Commercial	$	—	$	152	$	152
Real estate construction	—		416		416
Real estate mortgage:
1-4 family residential	186		1,885		2,071
Multi-family residential	76		369		445
Non-farm & non-residential	124		460		584
Agricultural	369		254		623
Consumer	—		534		534
Other	—		126		126
Unallocated	—		550		550
	$	755	$	4,746	$	5,501
Loans:
Commercial	$	—	$	36,624	$	36,624
Real estate construction	—		10,096		10,096
Real estate mortgage:
1-4 family residential	2,245		192,263		194,508
Multi-family residential	288		14,079		14,367
Non-farm & non-residential	3,176		121,623		124,799
Agricultural	7,416		59,696		67,112
Consumer	—		17,217		17,217
Other	—		143		143
	$	13,125	$	451,741	$	464,866
	Individually		Collectively
	Evaluated for		Evaluated for
As of December 31, 2012	Impairment		Impairment		Total
(in thousands)
Allowance for Loan Losses:
Commercial	$	—	$	150	$	150
Real estate construction	503		415		918
Real estate mortgage:
1-4 family residential	109		1,880		1,989
Multi-family residential	147		267		414
Non-farm & non-residential	150		478		628
Agricultural	549		296		845
Consumer	—		517		517
Other	—		54		54
Unallocated	—		532		532
	$	1,458	$	4,589	$	6,047
Loans:
Commercial	$	—	$	33,137	$	33,137
Real estate construction	3,035		11,067		14,102
Real estate mortgage:
1-4 family residential	3,610		166,589		170,199
Multi-family residential	311		11,201		11,512
Non-farm & non-residential	4,183		109,257		113,440
Agricultural	8,045		61,761		69,806
Consumer	—		17,442		17,442
Other	—		337		337
	$	19,184	$	410,791	$	429,975
The following table presents loans individually evaluated for impairment by class of loans as of September 30, 2013
(in thousands):
											Year to Date		Year to Date
	Unpaid				Allowance for			Average			Interest		Cash Basis
	Principal		Recorded		Loan Losses			Recorded			Income		Interest
	Balance		Investment		Allocated			Investment			Recognized		Recognized
With no related allowance recorded:
Commercial	$	—	$	—	$	—		$	—		$	—	$	—
Real estate construction	—		—		—			—			—		—
Real estate mortgage:
1-4 family residential	889		861		—			1,323			38		38
Multi-family residential	—		—		—			—			—		—
Non-farm & non-residential	1,625		798		—			1,432			61		61
Agricultural	2,820		2,734		—			2,796			12		12
Consumer	—		—		—			—			—		—
Other	—		—		—			—			—		—
With an allowance recorded:
Commercial	—		—		—			—			—		—
Real estate construction	—		—		—			759			—		—
Real estate mortgage:
1-4 family residential	1,384		1,384		186			1,167			43		43
Multi-family residential	288		288		76			485			3		3
Non-farm & non-residential	2,378		2,378		124			2,150			59		59
Agricultural	4,681		4,682		369			4,868			122		122
Consumer	—		—		—			—			—		—
Other	—		—		—			—					—
Total	$	14,065	$	13,125	$	755		$	14,980		$	338	$	338
The recorded investment in loans excludes accrued interest receivable and loan origination fees, net due to immateriality.
The following table presents loans individually evaluated for impairment by class of loans as of December 31, 2012
(in thousands):
	Unpaid				Allowance for			Average			Interest		Cash Basis
	Principal		Recorded		Loan Losses			Recorded			Income		Interest
	Balance		Investment		Allocated			Investment			Recognized		Recognized
With no related allowance recorded:
Commercial	$	—	$	—	$	—		$	—		$	—	$	—
Real estate construction	—		—		—			640			—		—
Real estate mortgage:
1-4 family residential	2,272		2,243		—			1,322			75		75
Multi-family residential	—		—		—			41			—		—
Non-farm & non-residential	2,775		2,008		—			1,756			158		158
Agricultural	2,657		2,657		—			1,432			275		275
Consumer	—		—		—			—			—		—
Other	—		—		—			—			—		—
With an allowance recorded:
Commercial	—		—		—			—			—		—
Real estate construction	3,035		3,035		503			2,020			111		111
Real estate mortgage:
1-4 family residential	1,367		1,367		109			976			57		57
Multi-family residential	311		311		147			225			12		12
Non-farm & non-residential	2,175		2,175		150			1,189			104		104
Agricultural	5,388		5,388		549			4,024			252		252
Consumer	—		—		—			—			—		—
Other	—		—		—			—			—		—
Total	$	19,980	$	19,184	$	1,458		$	13,625		$	1,044	$	1,044
The recorded investment in loans excludes accrued interest receivable and loan origination fees, net due to immateriality.
The following table presents loans individually evaluated for impairment by class of loans as of September 30, 2012
(in thousands):
	Nine Months Ending September 30, 2012
	Average		Interest		Cash Basis
	Recorded		Income		Interest
	Investment		Recognized		Recognized
With no related allowance recorded:
Commercial	$	—	$	—	$	—
Real estate construction	800		40		40
Real estate mortgage:
1-4 family residential	1,844		35		35
Multi-family residential	51		12		12
Non-farm & non-residential	2,191		21		21
Agricultural	1,370		73		73
Consumer	—		—		—
Other	—		—		—
With an allowance recorded:
Commercial	—		—		—
Real estate construction	2,525		—		—
Real estate mortgage:
1-4 family residential	1,106		101		101
Multi-family residential	321		—		—
Non-farm & non-residential	1,500		47		47
Agricultural	5,036		33		33
Consumer	—		—		—
Other	—		—		—
Total	$	16,744	$	362	$	362
The recorded investment in loans excludes accrued interest receivable and loan origination fees, net due to immateriality.
The following tables present loans individually evaluated for impairment by class of loans for the three months ending September 30, 2013 and September 30, 2012
(in thousands):
	Three Months Ending September 30, 2013
	Average		Interest		Cash Basis
	Recorded		Income		Interest
	Investment		Recognized		Recognized
With no related allowance recorded:
Commercial	$	—	$	—	$	—
Real estate construction	—		—		—
Real estate mortgage:
1-4 family residential	1,017		17		17
Multi-family residential	—		—		—
Non-farm & non-residential	808		20		20
Agricultural	2,761		3		3
Consumer	—		—		—
Other	—		—		—
With an allowance recorded:
Commercial	—		—		—
Real estate construction	—		—		—
Real estate mortgage:
1-4 family residential	1,129		22		22
Multi-family residential	400		2		2
Non-farm & non-residential	2,508		20		20
Agricultural	4,697		65		65
Consumer	—		—		—
Other	—		—		—
Total	$	13,320	$	149	$	149
The recorded investment in loans excludes accrued interest receivable and loan origination fees, net due to immateriality.
	Three Months Ending September 30, 2012
	Average		Interest		Cash Basis
	Recorded		Income		Interest
	Investment		Recognized		Recognized
With no related allowance recorded:
Commercial	$	—	$	—	$	—
Real estate construction	—		—		—
Real estate mortgage:
1-4 family residential	3,253		5		5
Multi-family residential	103		—		—
Non-farm & non-residential	2,805		23		23
Agricultural	1,269		42		42
Consumer	—		—		—
Other	—		—		—
With an allowance recorded:
Commercial	—		—		—
Real estate construction	2,684		—		—
Real estate mortgage:
1-4 family residential	674		—		—
Multi-family residential	435		—		—
Non-farm & non-residential	2,087		—		—
Agricultural	5,130		—		—
Consumer	—		—		—
Other	—		—		—
Total	$	18,440	$	70	$	70
The recorded investment in loans excludes accrued interest receivable and loan origination fees, net due to immateriality.
The following tables present the recorded investment in nonaccrual, loans past due over 90 days still on accrual and accruing troubled debt restructurings by class of loans as of September 30, 2013 and December 31, 2012:
			Loans Past Due
			Over 90 Days		Accruing
As of September 30, 2013			Still		Troubled Debt
(in thousands)	Nonaccrual		Accruing		Restructurings
Commercial	$	—	$	—	$	—
Real estate construction	—		—		—
Real estate mortgage:
1-4 family residential	1,448		173		496
Multi-family residential	288		—		—
Non-farm & non-residential	1,505		—		1,889
Agricultural	995		—		4,682
Consumer	37		—		—
Total	$	4,273	$	173	$	7,067
			Loans Past Due
			Over 90 Days		Accruing
As of December 31, 2012			Still		Troubled Debt
(in thousands)	Nonaccrual		Accruing		Restructurings
Commercial	$	45	$	—	$	—
Real estate construction	3,035		—		—
Real estate mortgage:
1-4 family residential	1,065		373		505
Multi-family residential	311		—		—
Non-farm & non-residential	1,589		—		1,924
Agricultural	894		426		4,798
Consumer	85		42		—
Total	$	7,024	$	841	$	7,227
Nonaccrual loans secured by real estate make up 99.1% of the total nonaccruals at September 30, 2013.
Nonaccrual loans and loans past due 90 days still on accrual include both smaller balance homogeneous loans that are collectively evaluated for impairment and individually classified impaired loans.
A loan is considered impaired when, based on current information and events, it is probable that a creditor will be unable to collect all amounts due according to the contractual terms of the loan agreement.  All amounts due according to the contractual terms means that both the contractual interest payments and the contractual principal payments of a loan will be collected as scheduled in the loan agreement.  Nonaccrual loans are loans for which payments in full of principal or interest is not expected or which principal or interest has been in default for a period of 90 days or more unless the asset is both well secured and in the process of collection.  Other impaired loans may be loans showing signs of weakness or interruptions in cash flow, but ultimately are current or less than 90 days past due with respect to principal and interest and for which we anticipate full payment of principal and interest but not in accordance with contractual terms.
Additional factors considered by management in determining impairment and non-accrual status include payment status, collateral value, availability of current financial information, and the probability of collecting all contractual principal and interest payments.
During the first nine months of 2013, $472 thousand in impaired loans were transferred to real estate owned.  Additionally, $2.0 million in loan balances were charged off during the first nine months of 2013.  One loan totaling $578 thousand was largely responsible for the increase in loan charge offs.  At December 31, 2012, this loan was included in non-accrual loans, classified as real estate construction and was reserved for in the specific allowance for loan losses.
The following tables present the aging of the recorded investment in past due and non-accrual loans as of September 30, 2013 and December 31, 2012 by class of loans:
	30-59		60-89		Loans Past Due						Total
As of September 30, 2013	Days		Days		Over 90 Days						Past Due &		Loans Not
(in thousands)	Past Due		Past Due		Still Accruing			Non-accrual			Non-accrual		Past Due
Commercial	$	399	$	—	$	—		$	—		$	399	$	36,225
Real estate construction	—		—		—			—			—		10,096
Real estate mortgage:
1-4 family residential	1,484		228		173			1,448			3,333		191,174
Multi-family residential	—		—		—			288			288		14,079
Non-farm & non-residential	62		—		—			1,505			1,567		123,233
Agricultural	564		117		—			995			1,676		65,436
Consumer	73		14		—			37			124		17,093
Other	—		—		—			—			—		143
Total	$	2,582	$	359	$	173		$	4,273		$	7,387	$	457,479
	30-59		60-89		Loans Past Due						Total
As of December 31, 2012	Days		Days		Over 90 Days						Past Due &		Loans Not
(in thousands)	Past Due		Past Due		Still Accruing			Non-accrual			Non-accrual		Past Due
Commercial	$	16	$	—	$	—		$	45		$	61	$	33,076
Real estate construction	—		—		—			3,035			3,035		11,067
Real estate mortgage:
1-4 family residential	2,282		652		373			1,065			4,372		165,827
Multi-family residential	—		—		—			311			311		11,201
Non-farm & non-residential	90		—		—			1,589			1,679		111,761
Agricultural	655		—		426			894			1,975		67,831
Consumer	171		21		42			85			319		17,123
Other	—		—		—			—			—		337
Total	$	3,214	$	673	$	841		$	7,024		$	11,752	$	418,223
Troubled Debt Restructurings:
The Company has allocated $550 thousand in specific reserves to customers whose loan terms have been modified in troubled debt restructurings as of September 30, 2013.  The Company allocated $663 thousand for specific reserves to customers whose loan terms had been modified in troubled debt restructuring as of December 31, 2012.  The Company has not committed to lend additional amounts as of September 30, 2013 and December 31, 2012 to customers with outstanding loans that are classified as troubled debt restructurings.  There were no troubled debt restructuring for which there was a payment default within twelve months following the modification during the periods ending September 30, 2013 and 2012.
No loans were modified as troubled debt restructurings during the nine months and three months ending September 30, 2013.  Two loans were modified as troubled debt restructurings during the nine months and three months ending September, 30, 2012.
Credit Quality Indicators:
The Company categorizes loans into risk categories based on relevant information about the ability of borrowers to service their debt such as:  current financial information, historical payment experience, credit documentation, public information, and current economic trends, among other factors.  The Company analyzes loans individually by classifying the loans as to credit risk.  This analysis is performed on a quarterly basis.  The Company uses the following definitions for risk ratings:
Special Mention.  Loans classified as special mention have one or more potential weaknesses that deserve management’s close attention.  If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the loan or of the institution’s credit position at some future date.
Substandard.  Loans classified as substandard are inadequately protected by the current net worth and paying capacity of the obligor or of the collateral pledged, if any.  Loans so classified have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt.  They are characterized by the distinct possibility that the institution will sustain some loss if the deficiencies are not corrected.
Doubtful.  Loans classified as doubtful have all the weaknesses inherent in those classified as substandard, with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions, and values, highly questionable and improbable.
Loans not meeting the criteria above that are analyzed individually as part of the above described process are considered to be pass rated loans.
As of September 30, 2013 and December 31, 2012, and based on the most recent analysis performed, the risk category of loans by class of loans is as follows:
As of September 30,2013			Special
(in thousands)	Pass		Mention		Substandard			Doubtful
Commercial	$	34,675	$	1,650	$	299		$	—
Real estate construction	8,343		1,753		—			—
Real estate mortgage:
1-4 family residential	177,116		10,578		6,803			10
Multi-family residential	12,301		1,598		468			—
Non-farm & non-residential	117,581		5,242		1,977			—
Agricultural	54,356		8,930		3,826			—
Total	$	404,372	$	29,751	$	13,373		$	10
As of December 31, 2012			Special
(in thousands)	Pass		Mention		Substandard			Doubtful
Commercial	$	31,419	$	1,362	$	350		$	6
Real estate construction	4,394		6,674		3,035			—
Real estate mortgage:
1-4 family residential	149,104		12,242		8,827			26
Multi-family residential	9,305		1,812		394			—
Non-farm & non-residential	105,170		3,593		4,677			—
Agricultural	56,516		3,569		9,718			2
Total	$	355,908	$	29,252	$	27,001		$	34
For consumer loans, the Company evaluates the credit quality based on the aging of the recorded investment in loans, which was previously presented.  Non-performing consumer loans are loans which are greater than 90 days past due or on non-accrual status, and total $37 thousand at September 30, 2013 and $127 thousand at December 31, 2012.

REAL_ESTATE_OWNED

REAL ESTATE OWNED	9 Months Ended
	Sep. 30, 2013
REAL ESTATE OWNED	'
REAL ESTATE OWNED	'
	4.  REAL ESTATE OWNED
	Activity in real estate owned, net was as follows:
		Nine Months Ended
		2013			2012
		(in thousands)
	Beginning of year	$	4,168		$	8,296
	Additions	542			2,257
	Sales	(1,238		)	(3,565		)
	Additions to valuation allowance, net	79			(381		)
	Recovery from sale in valuation allowance	207			376
	End of period	$	3,758		$	6,983
	Activity in the valuation allowance was as follows:
		Nine Months Ended
		2013			2012
		(in thousands)
	Beginning of year	$	1,668		$	1,332
	Additions to valuation allowance, net	(79		)	381
	Recovery from sale	(207		)	(376		)
	End of period	$	1,382		$	1,337
	Expenses related to foreclosed assets include:
		Nine Months Ended
		2013			2012
		(in thousands)
	Net loss (gain) on sales	$	(25	)	$	153
	Additions to valuation allowance, net	(79		)	381
	Operating expenses (receipts), net of rental income	132			639
	Repossession expenses, net	53			1,020
	End of period	$	28		$	1,173

EARNINGS_PER_SHARE

EARNINGS PER SHARE	9 Months Ended
	Sep. 30, 2013
EARNINGS PER SHARE	'
EARNINGS PER SHARE	'
	5.  EARNINGS PER SHARE
	Basic earnings per common share is net income divided by the weighted average number of common shares outstanding during the period.  Diluted earnings per common share includes the dilutive effect of additional potential common shares issuable under stock options.
	The factors used in the earnings per share computation follow:
		Nine Months Ended
		September 30
		2013		2012
		(in thousands)
	Basic Earnings Per Share
	Net Income	$	4,861	$	5,094
	Weighted average common shares outstanding	2,705		2,706
	Basic earnings per share	$	1.8	$	1.88
	Diluted Earnings Per Share
	Net Income	$	4,861	$	5,094
	Weighted average common shares outstanding	2,705		2,706
	Add dilutive effects of assumed vesting of stock grants	4		1
	Weighted average common and dilutive potential common shares outstanding	2,709		2,707
	Diluted earnings per share	$	1.8	$	1.88
		Three Months Ended
		September 30
		2013		2012
		(in thousands)
	Basic Earnings Per Share
	Net Income	$	1,367	$	1,698
	Weighted average common shares outstanding	2,705		2,706
	Basic earnings per share	$	0.51	$	0.63
	Diluted Earnings Per Share
	Net Income	$	1,367	$	1,698
	Weighted average common shares outstanding	2,705		2,706
	Add dilutive effects of assumed vesting of stock grants	4		1
	Weighted average common and dilutive potential common shares outstanding	2,709		2,707
	Diluted earnings per share	$	0.51	$	0.63
	Stock options for 19,100 shares of common stock for nine and three months ended September 30, 2013 and 29,160 shares of common stock for the nine and three months ended September 30, 2012 were excluded from diluted earnings per share because their impact was antidilutive.  Restricted stock grants of 16,669 shares of common stock for the nine and three months ended September 30, 2013 and 14,354 shares of common stock for the nine and three months ended September 30, 2012 were excluded from diluted earnings per share because their impact was antidilutive.

STOCK_COMPENSATION

STOCK COMPENSATION	9 Months Ended
	Sep. 30, 2013
STOCK COMPENSATION	'
STOCK COMPENSATION	'
	6.  STOCK COMPENSATION
	We have four stock based compensation plans as described below.
	Two Stock Option Plans
	Under our now expired 1999 Employee Stock Option Plan (the “1999 Plan”), we granted certain officers and key employees stock option awards which vest and become fully exercisable at the end of five years and provide for issuance of up to 100,000 options.  Under the now expired 1993 Non-Employee Directors Stock Ownership Incentive Plan (together with the 1999 Plan, the “Stock Option Plans”), we also granted certain directors stock option awards which vest and become fully exercisable immediately and provide for issuance of up to 20,000 options.  For each Stock Option Plan, the exercise price of each option, which has a ten year life, was equal to the market price of our stock on the date of grant.
	The combined summary of activity for 2013 in the expired Stock Option Plans follows:
							Weighted
				Weighted			Average
				Average			Remaining		Aggregate
				Exercise			Contractual		Intrinsic
		Shares		Price			Term		Value
	Outstanding, beginning of year	28,460		$	29.86
	Granted	—		—
	Forfeited or expired	(9,360	)	26.56
	Exercised	—		—
	Outstanding, end of period	19,100		$	31.5		14.8 months		$	—
	Vested and expected to vest	19,100		$	31.5		14.8 months		$	—
	Exercisable, end of period	19,100		$	31.5		14.8 months		$	—
	As of September 30, 2013, there was $0 of total unrecognized compensation cost related to nonvested stock options granted under either Stock Option Plan.  Since both Stock Option Plans have expired, as of September 30, 2013, no additional options can be granted under either of these plans.
	2005 Restricted Stock Grant Plan
	On May 10, 2005, our stockholders approved a restricted stock grant plan.  Total shares issuable under the plan are 50,000.  We issued 6,065 shares during 2013 and 5,615 shares during 2012.  There were 65 shares forfeited during the first nine months of 2013 and 30 shares forfeited during the first nine months of 2012.  As of September 30, 2013, the restricted stock grant plan allows for additional restricted stock share awards of up to 12,310 shares.
	A summary of changes in the Company’s nonvested shares for the year follows:
				Weighted-Average			Fair
				Grant-Date			Value
	Nonvested Shares	Shares		Fair Value			Per Share
	Nonvested at January 1, 2013	14,739		$	267,658		$	18.16
	Granted	6,065		112,203			18.5
	Vested	(4,137	)	(80,283		)	19.41
	Forfeited	(65	)	(1,203		)	18.5
	Nonvested at September 30, 2013	16,602		$	298,375		$	17.97
	As of September 30, 2013, there was $258,722 of total unrecognized compensation cost related to nonvested shares granted under the restricted stock grant plan.  The cost is expected to be recognized over a weighted-average period of 5 years.
	2009 Stock Award Plan
	On May 13, 2009, our stockholders approved a stock award plan that provides for the granting of both incentive and nonqualified stock options and other share based awards.  Total shares issuable under the plan are 150,000.  We issued 900 stock grants during the first nine months of 2013 and no shares during 2012.  As of September 30, 2013, 149,100 shares are still available for issuance.
	A summary of changes in the Company’s nonvested shares for the year follows:
				Weighted-Average			Fair
				Grant-Date			Value
	Nonvested Shares	Shares		Fair Value			Per Share
	Nonvested at January 1, 2013	—		$	—		$	—
	Granted	900		20,880			23.2
	Vested	—		—			—
	Forfeited	—		—			—
	Nonvested at September 30, 2013	900		$	20,880		$	23.2
	As of September 30, 2013, there was $18,444 of total unrecognized compensation cost related to nonvested shares granted under the restricted stock grant plan.  The cost is expected to be recognized over a weighted-average period of 5 years.

OTHER_BORROWINGS

OTHER BORROWINGS	9 Months Ended
	Sep. 30, 2013
OTHER BORROWINGS	'
OTHER BORROWINGS	'
	7.  OTHER BORROWINGS
	The promissory note payable the Company had outstanding at December 31, 2012 in the principal amount of $500,000 was paid in full during the second quarter of 2013.  The $5 million revolving promissory note is scheduled to mature July 27, 2014.  The Company has no outstanding balances at September 30, 2013.

FAIR_VALUE_MEASUREMENTS

FAIR VALUE MEASUREMENTS	9 Months Ended
	Sep. 30, 2013
FAIR VALUE MEASUREMENTS	'
FAIR VALUE MEASUREMENTS	'
	8.  FAIR VALUE MEASUREMENTS
	ASC Topic 820, “Fair Value Measurements and Disclosures”, defines fair value, establishes a framework for measuring fair value, and sets forth disclosures about fair value measurements.  ASC Topic 825, “Financial Instruments”, allows entities to choose to measure certain financial assets and liabilities at fair value.  The Company has not elected the fair value option for any financial assets or liabilities.
	ASC Topic 820 defines fair value as the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date.  It also establishes a fair value hierarchy which requires an entity to maximize the use of observable inputs and minimize the use of unobservable inputs when measuring fair value.  This Topic describes three levels of inputs that may be used to measure fair value:
	Level 1 — Quoted prices (unadjusted) for identical assets or liabilities in active markets that the entity has the ability to access as of the measurement date.
	Level 2 — Significant other observable inputs other than Level 1 prices such as quoted prices for similar assets or liabilities; quoted prices in markets that are not active; or other inputs that are observable or can be corroborated by observable market data.
	Level 3 — Significant unobservable inputs that reflect a company’s own assumptions about the assumptions that market participants would use in pricing an asset or liability.
	The Company used the following methods and significant assumptions to estimate the fair value:
	Investment Securities:  The fair values for available for sale investment securities are determined by quoted market prices, if available (Level 1).  For securities where quoted prices are not available, fair values are calculated based on market prices of similar securities (Level 2).  For securities where quoted prices or market prices of similar securities are not available, fair values are calculated using discounted cash flows or other market indicators (Level 3).
	Impaired Loans:  The fair value of impaired loans with specific allocations of the allowance for loan losses is generally based on recent third party real estate appraisals.  These appraisals may utilize a single valuation approach or a combination of approaches including comparable sales and the income approach. Adjustments are routinely made in the appraisal process by the appraisers to adjust for differences between the comparable sales and income data available.  Such adjustments are usually significant and typically result in a Level 3 classification of the inputs for determining fair value.
	Other Real Estate Owned:  The fair value of certain commercial and residential real estate properties classified as other real estate owned (OREO) are generally based on third party appraisals of the property, resulting in a Level 3 classification.  In cases where the carrying amount exceeds the fair value, less costs to sell, an impairment loss is recognized.
	Mortgage Servicing Rights:  Fair value is based on market prices for comparable mortgage servicing contracts, when available, or alternatively based on a valuation model that calculates the present value of estimated future net servicing income, resulting in a Level 3 classification.
	Assets and Liabilities Measured on a Recurring Basis
	Available for sale investment securities are the Company’s only balance sheet item that meet the disclosure requirements for instruments measured at fair value on a recurring basis.  Disclosures are as follows in the tables below.
		Fair Value Measurements at September 30, 2013 Using:
					Quoted Prices
					In Active
					Markets for		Significant Other		Significant
					Identical		Observable		Unobservable
	(In thousands)	Fair			Assets		Inputs		Inputs
	Description	Value			(Level 1)		(Level 2)		(Level 3)
	U. S. government agencies	$	70,459		$	—	$	70,459	$	—
	States and municipals	81,450			—		81,450		—
	Mortgage-backed - residential	58,139			—		58,139		—
	Equity securities	293			293		—		—
	Total	$	210,341		$	293	$	210,048	$	—
		Fair Value Measurements at December 31, 2012 Using:
					Quoted Prices
					In Active
					Markets for		Significant Other		Significant
					Identical		Observable		Unobservable
	(In thousands)	Fair			Assets		Inputs		Inputs
	Description	Value			(Level 1)		(Level 2)		(Level 3)
	U. S. government agencies	$	48,831		$	—	$	48,831	$	—
	States and municipals	82,607			—		82,607		—
	Mortgage-backed - residential	61,037			—		61,037		—
	Equity securities	305			305		—		—
	Total	$	192,780		$	305	$	192,475	$	—
	There were no transfers between level 1 and level 2 during 2013 or 2012.
	Assets measured at fair value on a non-recurring basis are summarized below:
		Fair Value Measurements at September 30, 2013 Using:
					Quoted Prices
					In Active				Other
					Markets for		Significant		Significant
					Identical		Observable		Unobservable
	(In thousands)	Carrying			Assets		Inputs		Inputs
	Description	Value			(Level 1)		(Level 2)		(Level 3)
	Impaired loans:
	Real estate construction	$	—		$	—	$	—	$	—
	Real Estate Mortgage:
	1-4 family residential	765			—		—		765
	Multi-family residential	212			—		—		212
	Non-farm & non-residential	482			—		—		482
	Other real estate owned:
	Residential	2,156			—		—		2,156
	Loan servicing rights	325			—		—		325
		Fair Value Measurements at December 31, 2012 Using:
					Quoted Prices
					In Active				Other
					Markets for		Significant		Significant
					Identical		Observable		Unobservable
	(In thousands)	Carrying			Assets		Inputs		Inputs
	Description	Value			(Level 1)		(Level 2)		(Level 3)
	Impaired loans:
Real estate construction	$	2,535		$	—	$	—	$	2,535
Real Estate Mortgage:
1-4 family residential	1,255			—		—		1,255
Multi-family residential	164			—		—		164
Non-farm & non-residential	2,025			—		—		2,025
Agricultural	4,839			—		—		4,839
Other real estate owned:
Residential	2,539			—		—		2,539
Loan servicing rights	529			—		—		529
Impaired loans, which are measured for impairment using the fair value of the collateral for collateral dependent loans, had a carrying amount of $1.5 million, which includes a valuation allowance of $205 thousand at September 30, 2013.  During the first nine months of 2013, three new loans became impaired resulting in an additional provision for loan losses of $160 thousand.  The total allowance for specific impaired loans decreased $703 thousand for the nine months ending September 30, 2013 and $92 thousand for the three months ending September 30, 2013.  The decrease in the total allowance for impaired loans for the first nine months ending September 30, 2013 is mostly attributed to one impaired loan being charged during the second quarter which had a specific reserve of $503 thousand at December 31, 2012.  For the three months ending September 30, 2013, two new loans became impaired resulting in an additional provision for loan losses of $84 thousand.  The loan loss provision for the nine months ending September 30, 2013 is $850 thousand and $250 thousand for the three months ending September 30, 2013.  The loan loss provision for the nine months ending September 30, 2012 was $1.6 million and $600 thousand for the three months ending September 30, 2012.  The allowance for specific impaired loans for the nine months ending September 30, 2012 decreased $198 thousand and increased $28 thousand for the three months ending September 30, 2012.  The decreases in the loan loss provision for impaired loans are the result of declining impaired loan balances.
Other real estate owned which is measured at fair value less costs to sell, had a net carrying amount of $2.1 million, which is made up of the outstanding balance of $3.5 million, net of a valuation allowance of $1.4 million at September 30, 2013.  Net write-downs of other real estate owned properties were a recovery of $79 thousand for the nine months ending September 30, 2013 and a net recovery of $69 thousand for the three months ending September 30,2013.  Net write-downs of other real estate owned properties totaled $381 thousand for the nine months ending September 30, 2012 and $362 thousand for the three months ending September 30, 2012.
Loan servicing rights, which are carried at lower of cost or fair value, were carried at their fair value of $325 thousand, which is made up of the outstanding balance of $515 thousand, net of a valuation allowance of $190 thousand at September 30, 2013, resulting in a net recovery of prior write-downs of $24 thousand for the nine months ending September 30, 2013 and a recovery of prior write-downs of $89 thousand for the three months ending September 30, 2013.  The valuation adjustment to the mortgage loan servicing rights was a net-write-down of $29 thousand for the nine months ending September 30, 2012 and a write-down of $69 thousand for the three months ending September 30, 2012.  At December 31, 2012, loan servicing rights were carried at their fair value of $529 thousand, which is made up of the outstanding balance of $743 thousand, net of a valuation allowance of $214 thousand.
The following table presents quantitative information about level 3 fair value measurements for financial instruments measured at fair value on a non-recurring basis at September 30, 2013:
						Range
	Fair		Valuation		Unobservable	(Weighted
(In thousands)	Value		Technique(s)		Input(s)	Average)
Impaired loans
Real estate mortgage:
1-4 family residential	765		sales comparison		adjustment for	0%-99%
					differences	-7%
					between the
					comparable sales
Multi-family residential	212		sales comparison		adjustment for	12%-32%
					differences	-8%
					between the
					comparable sales
Non-farm & non-residential	482		sales comparison		adjustment for	0%-100%
					differences	-26%
					between the
					comparable sales
Other real estate owned:
Residential	2,156		sales comparison		adjustment for	0%-30%
					differences	-7%
					between the
					comparable sales
			income approach		capitalization rate	12%-12%
						-12%
Loan Servicing Rights	325		discounted cash		constant prepayment	1%-30%
			flow		rates	-12%
Fair Value of Financial Instruments
The carrying amounts and estimated fair values of financial instruments, at September 30, 2013 and December 31, 2012 are as follows:
Fair Value Measurements at September 30, 2013 Using:
	Carrying
(in thousands)	Value			Level 1		Level 2		Level 3		Total
Financial assets
Cash and cash equivalents	$	18,667		$	18,667	$	—	$	—	$	18,667
Securities	210,341			293		210,048		—		210,341
Mortgage loans held for sale	912			—		917		—		917
Loans, net	459,365			—		—		459,392		459,392
FHLB Stock	6,731			—		—		—		N/A
Interest receivable	3,755			—		1,300		2,455		3,755
Financial liabilities
Deposits	$	573,486		$	385,356	$	190,124	$	—	$	575,480
Securities sold under agreements to repurchase and other borrowings	9,939			—		10,028		—		10,028
Federal Funds Purchased	7,439			7,439						7,439
FHLB advances	68,579			—		64,819		—		64,819
Subordinated Debentures	7,217			—		—		7,212		7,212
Interest payable	744			—		735		9		744
Fair Value Measurements at December 31, 2012 Using:
	Carrying
(in thousands)	Value			Level 1		Level 2		Level 3		Total
Financial assets
Cash and cash equivalents	$	31,764		$	31,764	$	—	$	—	$	31,764
Securities	192,780			305		192,475		—		192,780
Mortgage loans held for sale	486			—		500		—		500
Loans, net	423,928			—		—		422,920		422,920
FHLB Stock	6,731			—		—		—		N/A
Interest receivable	3,946			—		1,138		2,808		3,946
Financial liabilities
Deposits	$	590,425		$	401,164	$	191,732	$	—	$	592,896
Securities sold under agreements to repurchase and other borrowings	4,315			—		4,314		—		4,314
FHLB advances	17,449			—		18,806		—		18,806
Subordinated Debentures	7,217			—		—		7,261		7,261
Interest payable	610			—		601		9		610
The methods and assumptions, not previously presented, used to estimate fair values are described as follows:
Cash and Cash Equivalents - The carrying amounts of cash and short-term instruments approximate fair values and are classified as Level 1.
FHLB Stock - It is not practical to determine the fair value of FHLB stock due to restrictions placed on its transferability.
Loans - Fair values of loans, excluding loans held for sale, are estimated as follows:  For variable rate loans that reprice frequently and with no significant change in credit risk, fair values are based on carrying values resulting in a Level 3 classification.  Fair values for other loans are estimated using discounted cash flow analyses, using interest rates currently being offered for loans with similar terms to borrowers of similar credit quality resulting in a Level 3 classification.  Impaired loans are valued at the lower of cost or fair value as described previously.
The fair value of loans held for sale is estimated based upon binding contracts and quotes from third party investors resulting in a Level 2 classification.
Deposits - The fair values disclosed for demand deposits (e.g., interest and non-interest checking, passbook savings, and certain types of money market accounts) are, by definition, equal to the amount payable on demand at the reporting date (i.e., their carrying amount) resulting in a Level 1 classification.  The carrying amounts of variable rate, fixed-term money market accounts and certificates of deposit approximate their fair values at the reporting date resulting in a Level 1 classification.  Fair values for fixed rate certificates of deposit are estimated using a discounted cash flows calculation that applies interest rates currently being offered on certificates to a schedule of aggregated expected monthly maturities on time deposits resulting in a Level 2 classification.
Securities Sold Under Agreements to Repurchase and Other Borrowings - The carrying amounts of borrowings under repurchase agreements approximate their fair values resulting in a Level 2 classification.
The carrying amount of the Company’s variable rate borrowings approximate their fair values resulting in a Level 2 classification.
Federal Funds Purchased - The carrying amounts of federal funds purchased approximate fair values and are classified as Level 1.
FHLB Advances and Subordinated Debentures - The fair values of the Company’s FHLB advances are estimated using discounted cash flow analyses based on the current borrowing rates for similar types of borrowing arrangements resulting in a Level 2 classification.
The fair values of the Company’s Subordinated Debentures are estimated using discounted cash flow analyses based on the current borrowing rates for similar types of borrowing arrangements resulting in a Level 3 classification.
Accrued Interest Receivable/Payable - The carrying amounts of accrued interest approximate fair value resulting in a Level 2 or Level 3 classification based on the level of the related asset/liability.
Off-balance Sheet Instruments - Fair values for off-balance sheet, credit-related financial instruments are based on fees currently charged to enter into similar agreements, taking into account the remaining terms of the agreements and the counterparties’ credit standing.  The fair value of off-balance sheet instruments is not material.

CHANGES_IN_ACCUMULATED_OTHER_C

CHANGES IN ACCUMULATED OTHER COMPREHENSIVE INCOME BY COMPONENT	9 Months Ended
	Sep. 30, 2013
CHANGES IN ACCUMULATED OTHER COMPREHENSIVE INCOME BY COMPONENT	'
CHANGES IN ACCUMULATED OTHER COMPREHENSIVE INCOME BY COMPONENT	'
	9.  CHANGES IN ACCUMULATED OTHER COMPREHENSIVE INCOME BY COMPONENT
	Changes in Accumulated Other Comprehensive Income by Component (1)  (unaudited)
	(in thousands)
		Unrealized
		Gains and Losses on
		Available for Sale
		Securities
		For the Nine Months Ending September 30
		2013			2012
	Beginning Balance	$	4,283		$	3,770
	Unrealized holding gains (losses) for the period, net of tax	(7,020		)	2,104
	Reclassification adjustment for:
	Securities gains realized in income	(774		)	(887		)
	Income taxes	(263		)	(302		)
		(511		)	(585		)
	Net current period other comprehensive income	(7,531		)	1,519
	Ending balance	$	(3,248	)	$	5,289
	(1)         All amounts are net of tax.
		Unrealized
		Gains and Losses on
		Available for Sale
		Securities
		For the Three Months Ending September 30
		2013			2012
	Beginning Balance	$	(1,693	)	$	5,047
	Unrealized holding gains (losses) for the period, net of tax	(1,555		)	649
	Reclassification adjustment for:
	Securities gains realized in income	—			(616		)
	Income taxes	—			(209		)
		—			(407		)
	Net current period other comprehensive income	(1,555		)	242
	Ending balance	$	(3,248	)	$	5,289
	(2)         All amounts are net of tax.

SUMMARY_OF_SIGNIFICANT_ACCOUNT1

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies)	9 Months Ended
	Sep. 30, 2013
Accounting Policies [Abstract]	'
Basis of Presentation	'
	Basis of Presentation:  The consolidated financial statements include the accounts of Kentucky Bancshares, Inc. (the “Company”, “we”, “our” or “us”), its wholly-owned subsidiary, Kentucky Bank (the “Bank”), and the Bank’s wholly-owned subsidiary, KB Special Assets Unit, LLC.  Intercompany transactions and balances have been eliminated in consolidation.
Nature of Operations	'
	Nature of Operations:  The Bank operates under a state bank charter and provides full banking services, including trust services, to customers located in Bourbon, Clark, Elliott, Fayette, Harrison, Jessamine, Rowan, Scott, Woodford and adjoining counties in Kentucky.  In October 2013, we filed a branch application for Richmond, Kentucky with the FDIC, and anticipate regulatory approval.  We anticipate the branch will be open in the first quarter of 2014.  Management continues to consider opportunities for branch expansion and will also consider acquisition opportunities that help advance its strategic objectives.  As a state bank, the Bank is subject to regulation by the Kentucky Department of Financial Institutions and the Federal Deposit Insurance Corporation (“FDIC”).  The Company, a bank holding company, is regulated by the Federal Reserve.
Estimates in the Financial Statements	'
	Estimates in the Financial Statements:  The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period.  Actual results could differ from those estimates and such differences could be material to the financial statements.  The allowance for loan losses, loss contingencies, mortgage servicing rights, real estate owned, goodwill and fair value of financial instruments are particularly subject to change.
Loss Contingencies	'
	Loss Contingencies:  Loss contingencies, including claims and legal actions arising in the ordinary course of business, are recorded as liabilities when the likelihood of loss is probable and an amount or range of loss can be reasonably estimated.  The Company terminated the Kentucky Bancshares, Inc. Retirement Plan and Trust (the “Plan”) in a standard termination, with a termination date of December 31, 2008.  Prior to such termination, the Pension Protection Act of 2006 (“PPA”) had amended Internal Revenue Code (“IRC”) Section 417(e)(3) in part by changing the definition of “applicable interest rate” in a manner that in most cases (when combined with other changes to IRC Section 417(e)(3)) would result in a decrease in the value of a participant’s or beneficiary’s plan benefits under pension plans such as the Company’s Plan with the new definition applicable (for most plans, including the Plan) to lump sums with annuity starting dates in or after the 2008 plan year.  The Plan had determined in mid-2008 to comply with IRC Section 417(e)(3), as amended by PPA, by using  the assumptions governing minimum lump sums (the “PPA Minimum Methodology”), rather than by using the pre-PPA minimum lump sum assumptions, and operated the Plan in compliance with that decision.  The Plan paid two lump sum payments to participants in July and December of 2008, prior to the termination of the Plan, and determined the value of those participants’ benefits using the PPA Minimum Methodology.  As permitted by the IRC, the Plan was amended on February 24, 2009 (after the termination of the Plan on December 31, 2008) to formalize that decision in accordance with Section 1107 of PPA.
	Section 4041.8(a) of the Pension Benefit Guaranty Corporation (“PBGC”) regulations generally provides that “a participant’s or beneficiary’s plan benefits are determined under the plan’s provisions in effect on the plan’s termination date.”  The regulations further provide that an amendment adopted after the plan’s termination date is taken into account with respect to a participant’s or beneficiary’s plan benefits to the extent the amendment does not decrease the value of the participant’s or beneficiary’s plan benefits under the plan’s provisions in effect on the termination date; however, the regulations, at Section 4041.8(c)(1), also provide that an amendment shall not be treated as decreasing the value of a participant’s or beneficiary’s plan benefits to the extent “the decrease  is necessary to meet a qualification requirement under Section 401 of the IRC.”
	The Internal Revenue Service issued a favorable determination as to the Plan termination in July 2010.  Subsequent to Plan termination and distributions to Plan participants, the Plan was selected for audit by the PBGC.  The PBGC has asserted that the February, 2009 amendment to the Plan violated PBGC Regulation Section 4041.8(a) because the amendment served to lower benefits to Plan beneficiaries, and the PBGC has filed a Complaint in United States District Court (Eastern District of Kentucky) (the “Litigation”) to require the Company to make additional distributions to Plan beneficiaries.  A preliminary estimate provided by the Plan actuary indicates the potential exposure related to this matter (were the PBGC to prevail) is $1.3 million, plus another $235 thousand in estimated interest.  The Company believes it has meritorious defenses and intends to vigorously defend its position in the Litigation.  As such, the Company does not believe a loss is probable and has not recorded a liability relating to the PBGC assertion in the Litigation.
Reclassifications	'
	Reclassifications:  Some items in the prior year financial statements were reclassified to conform to the current presentation.  Reclassifications had no effect on prior period net income or stockholders’ equity.
Adoption of New Accounting Standards	'
	Adoption of New Accounting Standards
	FASB ASC 220 — In February 2013, the Financial Accounting Standards Board (“FASB”) issued an update (ASU No. 2013-02, Reporting of Amounts Reclassified Out of Accumulated Other Comprehensive Income) impacting FASB ASC 220, Comprehensive Income.
	This update requires an entity to provide information about the amounts reclassified out of accumulated other comprehensive income. An entity is required to present, either on the face of the statement where net income is presented or in the notes, significant amounts reclassified out of accumulated other comprehensive income by the respective line items of net income but only if the amount reclassified is required under U.S. GAAP to be reclassified to net income in its entirety in the same reporting period. For other amounts not required under U.S. GAAP to be reclassified in their entirety to net income, an entity is required to cross-reference to other disclosures required under U.S. GAAP that provide additional detail about these amounts. This update became effective for the Company for interim and annual periods beginning after December 15, 2012 and did not have a material impact on the consolidated financial statements.

SECURITIES_AVAILABLE_FOR_SALE_

SECURITIES AVAILABLE FOR SALE (Tables)	9 Months Ended
	Sep. 30, 2013
SECURITIES AVAILABLE FOR SALE	'
Schedule of securities available for sale	'
	(in thousands)
				Gross			Gross
		Amortized		Unrealized			Unrealized			Fair
		Cost		Gains			Losses			Value
	Available for Sale
	September 30, 2013
	U.S. government agencies	$	73,969	$	66		$	(3,576	)	$	70,459
	States and political subdivisions	81,899		1,742			(2,191		)	81,450
	Mortgage-backed - residential	59,124		383			(1,368		)	58,139
	Equity securities	270		23			—			293
	Total	$	215,262	$	2,214		$	(7,135	)	$	210,341
	December 31, 2012
	U.S. government agencies	$	48,730	$	122		$	(21	)	$	48,831
	States and political subdivisions	77,867		4,887			(147		)	82,607
	Mortgage-backed - residential	59,424		1,635			(22		)	61,037
	Equity securities	270		35			—			305
	Total	$	186,291	$	6,679		$	(190	)	$	192,780
Schedule of amortized cost and fair value of securities by contractual maturity	'
		Amortized		Fair
	(in thousands)	Cost		Value
	Due in one year or less	$	1,097	$	1,078
	Due after one year through five years	12,551		12,501
	Due after five years through ten years	73,082		71,128
	Due after ten years	69,138		67,202
		155,868		151,909
	Mortgage-backed - residential	59,124		58,139
	Equity	270		293
	Total	$	215,262	$	210,341
Schedule of securities with unrealized losses not recognized in income	'
	September 30, 2013
		Less than 12 Months					12 Months or More					Total
		Fair		Unrealized			Fair			Unrealized		Fair		Unrealized
	Description of Securities	Value		Loss			Value			Loss		Value		Loss
	U.S. Government agencies	$	62,630	$	(3,576	)	$	—		$	—	$	62,630	$	(3,576	)
	States and municipals	26,478		(2,191		)	—			—		26,478		(2,191		)
	Mortgage-backed - residential	34,258		(1,368		)	—			—		34,258		(1,368		)
	Total temporarily impaired	$	123,366	$	(7,135	)	$	—		$	—	$	123,366	$	(7,135	)
	December 31, 2012
		Less than 12 Months					12 Months or More					Total
		Fair		Unrealized			Fair			Unrealized		Fair		Unrealized
	Description of Securities	Value		Loss			Value			Loss		Value		Loss
	U.S. Government agencies	$	11,979	$	(21	)	$	—		$	—	$	11,979	$	(21	)
	States and municipals	7,519		(147		)	—			—		7,519		(147		)
	Mortgage-backed - residential	5,773		(22		)	—			—		5,773		(22		)
	Total temporarily impaired	$	25,271	$	(190	)	$	—		$	—	$	25,271	$	(190	)

LOANS_Tables

LOANS (Tables)	9 Months Ended
	Sep. 30, 2013
LOANS	'
Schedule of loans	'
	(in thousands)
		9/30/13		12/31/12
	Commercial	$	36,624	$	33,137
	Real estate construction	10,096		14,102
	Real estate mortgage:
	1-4 family residential	194,507		170,199
	Multi-family residential	14,367		11,512
	Non-farm & non-residential	124,800		113,440
	Agricultural	67,112		69,806
	Consumer	17,217		17,442
	Other	143		337
	Total	$	464,866	$	429,975
Schedule of activity in the allowance for loan losses	'
		Nine Months Ended September 30, 2013
		(in thousands)
		Beginning										Ending
		Balance		Charge-offs		Recoveries			Provision			Balance
	Commercial	$	150	$	12	$	28		$	(14	)	$	152
	Real estate Construction	918		578		21			55			416
	Real estate mortgage:
	1-4 family residential	1,989		186		58			210			2,071
	Multi-family residential	414		161		103			89			445
	Non-farm & non-residential	628		99		18			37			584
	Agricultural	845		109		22			(135		)	623
	Consumer	517		298		9			306			534
	Other	54		513		301			284			126
	Unallocated	532		—		—			18			550
		$	6,047	$	1,956	$	560		$	850		$	5,501
		Three Months Ended September 30, 2013
		(in thousands)
		Beginning										Ending
		Balance		Charge-offs		Recoveries			Provision			Balance
	Commercial	$	150	$	—	$	—		$	2		$	152
	Real estate Construction	373		—		—			43			416
	Real estate mortgage:
	1-4 family residential	1,984		45		2			130			2,071
	Multi-family residential	481		—		64			(100		)	445
	Non-farm & non-residential	677		99		—			6			584
	Agricultural	661		23		19			(34		)	623
	Consumer	548		46		(9		)	41			534
	Other	92		204		95			143			126
	Unallocated	531		—		—			19			550
		$	5,497	$	417	$	171		$	250		$	5,501
		Nine Months Ended September 30, 2012
		(in thousands)
		Beginning										Ending
		Balance		Charge-offs		Recoveries			Provision			Balance
	Commercial	$	192	$	—	$	24		$	(60	)	$	156
	Real estate Construction	1,008		73		14			(178		)	771
	Real estate mortgage:
	1-4 family residential	2,257		907		14			871			2,235
	Multi-family residential	336		52		1			63			348
	Non-farm & non-residential	410		64		—			278			624
	Agricultural	721		15		5			142			853
	Consumer	524		296		33			281			542
	Other	50		356		247			107			48
	Unallocated	344		—		—			96			440
		$	5,842	$	1,763	$	338		$	1,600		$	6,017
		Three Months Ended September 30, 2012
		(in thousands)
		Beginning										Ending
		Balance		Charge-offs		Recoveries			Provision			Balance
	Commercial	$	198	$	—	$	24		$	(66	)	$	156
	Real estate Construction	764		—		14			(7		)	771
	Real estate mortgage:
	1-4 family residential	2,099		295		6			425			2,235
	Multi-family residential	274		—		—			74			348
	Non-farm & non-residential	698		—		—			(74		)	624
	Agricultural	791		—		1			61			853
	Consumer	535		83		8			82			542
	Other	37		102		55			58			48
	Unallocated	393		—		—			47			440
		$	5,789	$	480	$	108		$	600		$	6,017
Schedule of allowance for loan losses and the recorded investment in loans by portfolio segment and based on impairment method	'
		Individually		Collectively
		Evaluated for		Evaluated for
	As of September 30, 2013	Impairment		Impairment		Total
	(in thousands)
	Allowance for Loan Losses:
	Commercial	$	—	$	152	$	152
	Real estate construction	—		416		416
	Real estate mortgage:
	1-4 family residential	186		1,885		2,071
	Multi-family residential	76		369		445
	Non-farm & non-residential	124		460		584
	Agricultural	369		254		623
	Consumer	—		534		534
	Other	—		126		126
	Unallocated	—		550		550
		$	755	$	4,746	$	5,501
	Loans:
	Commercial	$	—	$	36,624	$	36,624
	Real estate construction	—		10,096		10,096
	Real estate mortgage:
	1-4 family residential	2,245		192,263		194,508
	Multi-family residential	288		14,079		14,367
	Non-farm & non-residential	3,176		121,623		124,799
	Agricultural	7,416		59,696		67,112
	Consumer	—		17,217		17,217
	Other	—		143		143
		$	13,125	$	451,741	$	464,866
		Individually		Collectively
		Evaluated for		Evaluated for
	As of December 31, 2012	Impairment		Impairment		Total
	(in thousands)
	Allowance for Loan Losses:
	Commercial	$	—	$	150	$	150
	Real estate construction	503		415		918
	Real estate mortgage:
	1-4 family residential	109		1,880		1,989
	Multi-family residential	147		267		414
	Non-farm & non-residential	150		478		628
	Agricultural	549		296		845
	Consumer	—		517		517
	Other	—		54		54
	Unallocated	—		532		532
		$	1,458	$	4,589	$	6,047
	Loans:
	Commercial	$	—	$	33,137	$	33,137
	Real estate construction	3,035		11,067		14,102
	Real estate mortgage:
	1-4 family residential	3,610		166,589		170,199
	Multi-family residential	311		11,201		11,512
	Non-farm & non-residential	4,183		109,257		113,440
	Agricultural	8,045		61,761		69,806
	Consumer	—		17,442		17,442
	Other	—		337		337
		$	19,184	$	410,791	$	429,975
Schedule of loans individually evaluated for impairment by class of loans	'
	The following table presents loans individually evaluated for impairment by class of loans as of September 30, 2013
	(in thousands):
												Year to Date		Year to Date
		Unpaid				Allowance for			Average			Interest		Cash Basis
		Principal		Recorded		Loan Losses			Recorded			Income		Interest
		Balance		Investment		Allocated			Investment			Recognized		Recognized
	With no related allowance recorded:
	Commercial	$	—	$	—	$	—		$	—		$	—	$	—
	Real estate construction	—		—		—			—			—		—
	Real estate mortgage:
	1-4 family residential	889		861		—			1,323			38		38
	Multi-family residential	—		—		—			—			—		—
	Non-farm & non-residential	1,625		798		—			1,432			61		61
	Agricultural	2,820		2,734		—			2,796			12		12
	Consumer	—		—		—			—			—		—
	Other	—		—		—			—			—		—
	With an allowance recorded:
	Commercial	—		—		—			—			—		—
	Real estate construction	—		—		—			759			—		—
	Real estate mortgage:
	1-4 family residential	1,384		1,384		186			1,167			43		43
	Multi-family residential	288		288		76			485			3		3
	Non-farm & non-residential	2,378		2,378		124			2,150			59		59
	Agricultural	4,681		4,682		369			4,868			122		122
	Consumer	—		—		—			—			—		—
	Other	—		—		—			—					—
	Total	$	14,065	$	13,125	$	755		$	14,980		$	338	$	338
	The following table presents loans individually evaluated for impairment by class of loans as of December 31, 2012
	(in thousands):
		Unpaid				Allowance for			Average			Interest		Cash Basis
		Principal		Recorded		Loan Losses			Recorded			Income		Interest
		Balance		Investment		Allocated			Investment			Recognized		Recognized
	With no related allowance recorded:
	Commercial	$	—	$	—	$	—		$	—		$	—	$	—
	Real estate construction	—		—		—			640			—		—
	Real estate mortgage:
	1-4 family residential	2,272		2,243		—			1,322			75		75
	Multi-family residential	—		—		—			41			—		—
	Non-farm & non-residential	2,775		2,008		—			1,756			158		158
	Agricultural	2,657		2,657		—			1,432			275		275
	Consumer	—		—		—			—			—		—
	Other	—		—		—			—			—		—
	With an allowance recorded:
	Commercial	—		—		—			—			—		—
	Real estate construction	3,035		3,035		503			2,020			111		111
	Real estate mortgage:
	1-4 family residential	1,367		1,367		109			976			57		57
	Multi-family residential	311		311		147			225			12		12
	Non-farm & non-residential	2,175		2,175		150			1,189			104		104
	Agricultural	5,388		5,388		549			4,024			252		252
	Consumer	—		—		—			—			—		—
	Other	—		—		—			—			—		—
	Total	$	19,980	$	19,184	$	1,458		$	13,625		$	1,044	$	1,044
	The following table presents loans individually evaluated for impairment by class of loans as of September 30, 2012
	(in thousands):
		Nine Months Ending September 30, 2012
		Average		Interest		Cash Basis
		Recorded		Income		Interest
		Investment		Recognized		Recognized
	With no related allowance recorded:
	Commercial	$	—	$	—	$	—
	Real estate construction	800		40		40
	Real estate mortgage:
1-4 family residential	1,844		35		35
Multi-family residential	51		12		12
Non-farm & non-residential	2,191		21		21
Agricultural	1,370		73		73
Consumer	—		—		—
Other	—		—		—
With an allowance recorded:
Commercial	—		—		—
Real estate construction	2,525		—		—
Real estate mortgage:
1-4 family residential	1,106		101		101
Multi-family residential	321		—		—
Non-farm & non-residential	1,500		47		47
Agricultural	5,036		33		33
Consumer	—		—		—
Other	—		—		—
Total	$	16,744	$	362	$	362
(in thousands):
	Three Months Ending September 30, 2013
	Average		Interest		Cash Basis
	Recorded		Income		Interest
	Investment		Recognized		Recognized
With no related allowance recorded:
Commercial	$	—	$	—	$	—
Real estate construction	—		—		—
Real estate mortgage:
1-4 family residential	1,017		17		17
Multi-family residential	—		—		—
Non-farm & non-residential	808		20		20
Agricultural	2,761		3		3
Consumer	—		—		—
Other	—		—		—
With an allowance recorded:
Commercial	—		—		—
Real estate construction	—		—		—
Real estate mortgage:
1-4 family residential	1,129		22		22
Multi-family residential	400		2		2
Non-farm & non-residential	2,508		20		20
Agricultural	4,697		65		65
Consumer	—		—		—
Other	—		—		—
Total	$	13,320	$	149	$	149
	Three Months Ending September 30, 2012
	Average		Interest		Cash Basis
	Recorded		Income		Interest
	Investment		Recognized		Recognized
With no related allowance recorded:
Commercial	$	—	$	—	$	—
Real estate construction	—		—		—
Real estate mortgage:
1-4 family residential	3,253		5		5
Multi-family residential	103		—		—
Non-farm & non-residential	2,805		23		23
Agricultural	1,269		42		42
Consumer	—		—		—
Other	—		—		—
With an allowance recorded:
Commercial	—		—		—
Real estate construction	2,684		—		—
Real estate mortgage:
1-4 family residential	674		—		—
Multi-family residential	435		—		—
Non-farm & non-residential	2,087		—		—
Agricultural	5,130		—		—
Consumer	—		—		—
Other	—		—		—
Total	$	18,440	$	70	$	70
Schedule of recorded investment in nonaccrual, loans past due over 90 days still on accrual and accruing troubled debt restructurings by class of loans	'
				Loans Past Due
				Over 90 Days		Accruing
	As of September 30, 2013			Still		Troubled Debt
	(in thousands)	Nonaccrual		Accruing		Restructurings
	Commercial	$	—	$	—	$	—
	Real estate construction	—		—		—
	Real estate mortgage:
	1-4 family residential	1,448		173		496
	Multi-family residential	288		—		—
	Non-farm & non-residential	1,505		—		1,889
	Agricultural	995		—		4,682
	Consumer	37		—		—
	Total	$	4,273	$	173	$	7,067
				Loans Past Due
				Over 90 Days		Accruing
	As of December 31, 2012			Still		Troubled Debt
	(in thousands)	Nonaccrual		Accruing		Restructurings
	Commercial	$	45	$	—	$	—
	Real estate construction	3,035		—		—
	Real estate mortgage:
	1-4 family residential	1,065		373		505
	Multi-family residential	311		—		—
	Non-farm & non-residential	1,589		—		1,924
	Agricultural	894		426		4,798
	Consumer	85		42		—
	Total	$	7,024	$	841	$	7,227
Schedule of aging of the recorded investment in past due and non-accrual loans	'
		30-59		60-89		Loans Past Due						Total
	As of September 30, 2013	Days		Days		Over 90 Days						Past Due &		Loans Not
	(in thousands)	Past Due		Past Due		Still Accruing			Non-accrual			Non-accrual		Past Due
	Commercial	$	399	$	—	$	—		$	—		$	399	$	36,225
	Real estate construction	—		—		—			—			—		10,096
	Real estate mortgage:
	1-4 family residential	1,484		228		173			1,448			3,333		191,174
	Multi-family residential	—		—		—			288			288		14,079
	Non-farm & non-residential	62		—		—			1,505			1,567		123,233
	Agricultural	564		117		—			995			1,676		65,436
	Consumer	73		14		—			37			124		17,093
	Other	—		—		—			—			—		143
	Total	$	2,582	$	359	$	173		$	4,273		$	7,387	$	457,479
		30-59		60-89		Loans Past Due						Total
	As of December 31, 2012	Days		Days		Over 90 Days						Past Due &		Loans Not
	(in thousands)	Past Due		Past Due		Still Accruing			Non-accrual			Non-accrual		Past Due
	Commercial	$	16	$	—	$	—		$	45		$	61	$	33,076
	Real estate construction	—		—		—			3,035			3,035		11,067
	Real estate mortgage:
	1-4 family residential	2,282		652		373			1,065			4,372		165,827
	Multi-family residential	—		—		—			311			311		11,201
	Non-farm & non-residential	90		—		—			1,589			1,679		111,761
	Agricultural	655		—		426			894			1,975		67,831
	Consumer	171		21		42			85			319		17,123
	Other	—		—		—			—			—		337
	Total	$	3,214	$	673	$	841		$	7,024		$	11,752	$	418,223
Schedule of risk category of loans by class of loans	'
	As of September 30,2013			Special
	(in thousands)	Pass		Mention		Substandard			Doubtful
	Commercial	$	34,675	$	1,650	$	299		$	—
	Real estate construction	8,343		1,753		—			—
	Real estate mortgage:
	1-4 family residential	177,116		10,578		6,803			10
	Multi-family residential	12,301		1,598		468			—
	Non-farm & non-residential	117,581		5,242		1,977			—
	Agricultural	54,356		8,930		3,826			—
	Total	$	404,372	$	29,751	$	13,373		$	10
	As of December 31, 2012			Special
	(in thousands)	Pass		Mention		Substandard			Doubtful
	Commercial	$	31,419	$	1,362	$	350		$	6
	Real estate construction	4,394		6,674		3,035			—
	Real estate mortgage:
	1-4 family residential	149,104		12,242		8,827			26
	Multi-family residential	9,305		1,812		394			—
	Non-farm & non-residential	105,170		3,593		4,677			—
	Agricultural	56,516		3,569		9,718			2
	Total	$	355,908	$	29,252	$	27,001		$	34

REAL_ESTATE_OWNED_Tables

REAL ESTATE OWNED (Tables)	9 Months Ended
	Sep. 30, 2013
REAL ESTATE OWNED	'
Schedule of activity in real estate owned, net	'
		Nine Months Ended
		2013			2012
		(in thousands)
	Beginning of year	$	4,168		$	8,296
	Additions	542			2,257
	Sales	(1,238		)	(3,565		)
	Additions to valuation allowance, net	79			(381		)
	Recovery from sale in valuation allowance	207			376
	End of period	$	3,758		$	6,983
Schedule of activity in the valuation allowance	'
		Nine Months Ended
		2013			2012
		(in thousands)
	Beginning of year	$	1,668		$	1,332
	Additions to valuation allowance, net	(79		)	381
	Recovery from sale	(207		)	(376		)
	End of period	$	1,382		$	1,337
Schedule of expenses related to foreclosed assets	'
		Nine Months Ended
		2013			2012
		(in thousands)
	Net loss (gain) on sales	$	(25	)	$	153
	Additions to valuation allowance, net	(79		)	381
	Operating expenses (receipts), net of rental income	132			639
	Repossession expenses, net	53			1,020
	End of period	$	28		$	1,173

EARNINGS_PER_SHARE_Tables

EARNINGS PER SHARE (Tables)	9 Months Ended
	Sep. 30, 2013
EARNINGS PER SHARE	'
Schedule of factors used in the earnings per share computation	'
		Nine Months Ended
		September 30
		2013		2012
		(in thousands)
	Basic Earnings Per Share
	Net Income	$	4,861	$	5,094
	Weighted average common shares outstanding	2,705		2,706
	Basic earnings per share	$	1.8	$	1.88
	Diluted Earnings Per Share
	Net Income	$	4,861	$	5,094
	Weighted average common shares outstanding	2,705		2,706
	Add dilutive effects of assumed vesting of stock grants	4		1
	Weighted average common and dilutive potential common shares outstanding	2,709		2,707
	Diluted earnings per share	$	1.8	$	1.88
		Three Months Ended
		September 30
		2013		2012
		(in thousands)
	Basic Earnings Per Share
	Net Income	$	1,367	$	1,698
	Weighted average common shares outstanding	2,705		2,706
	Basic earnings per share	$	0.51	$	0.63
	Diluted Earnings Per Share
	Net Income	$	1,367	$	1,698
	Weighted average common shares outstanding	2,705		2,706
	Add dilutive effects of assumed vesting of stock grants	4		1
	Weighted average common and dilutive potential common shares outstanding	2,709		2,707
	Diluted earnings per share	$	0.51	$	0.63

STOCK_COMPENSATION_Tables

STOCK COMPENSATION (Tables)	9 Months Ended
	Sep. 30, 2013
STOCK COMPENSATION	'
Summary of activity for the expired Stock Option Plans	'
							Weighted
				Weighted			Average
				Average			Remaining		Aggregate
				Exercise			Contractual		Intrinsic
		Shares		Price			Term		Value
	Outstanding, beginning of year	28,460		$	29.86
	Granted	—		—
	Forfeited or expired	(9,360	)	26.56
	Exercised	—		—
	Outstanding, end of period	19,100		$	31.5		14.8 months		$	—
	Vested and expected to vest	19,100		$	31.5		14.8 months		$	—
	Exercisable, end of period	19,100		$	31.5		14.8 months		$	—
2005 Restricted Stock Grant Plan	'
Stock Based Compensation	'
Summary of changes in the Company's nonvested shares	'
				Weighted-Average			Fair
				Grant-Date			Value
	Nonvested Shares	Shares		Fair Value			Per Share
	Nonvested at January 1, 2013	14,739		$	267,658		$	18.16
	Granted	6,065		112,203			18.5
	Vested	(4,137	)	(80,283		)	19.41
	Forfeited	(65	)	(1,203		)	18.5
	Nonvested at September 30, 2013	16,602		$	298,375		$	17.97
2009 Stock Award Plan	'
Stock Based Compensation	'
Summary of changes in the Company's nonvested shares	'
				Weighted-Average			Fair
				Grant-Date			Value
	Nonvested Shares	Shares		Fair Value			Per Share
	Nonvested at January 1, 2013	—		$	—		$	—
	Granted	900		20,880			23.2
	Vested	—		—			—
	Forfeited	—		—			—
	Nonvested at September 30, 2013	900		$	20,880		$	23.2

FAIR_VALUE_MEASUREMENTS_Tables

FAIR VALUE MEASUREMENTS (Tables)	9 Months Ended
	Sep. 30, 2013
FAIR VALUE MEASUREMENTS	'
Schedule of assets measured on a recurring basis	'
		Fair Value Measurements at September 30, 2013 Using:
					Quoted Prices
					In Active
					Markets for		Significant Other		Significant
					Identical		Observable		Unobservable
	(In thousands)	Fair			Assets		Inputs		Inputs
	Description	Value			(Level 1)		(Level 2)		(Level 3)
	U. S. government agencies	$	70,459		$	—	$	70,459	$	—
	States and municipals	81,450			—		81,450		—
	Mortgage-backed - residential	58,139			—		58,139		—
	Equity securities	293			293		—		—
	Total	$	210,341		$	293	$	210,048	$	—
		Fair Value Measurements at December 31, 2012 Using:
					Quoted Prices
					In Active
					Markets for		Significant Other		Significant
					Identical		Observable		Unobservable
	(In thousands)	Fair			Assets		Inputs		Inputs
	Description	Value			(Level 1)		(Level 2)		(Level 3)
	U. S. government agencies	$	48,831		$	—	$	48,831	$	—
	States and municipals	82,607			—		82,607		—
	Mortgage-backed - residential	61,037			—		61,037		—
	Equity securities	305			305		—		—
	Total	$	192,780		$	305	$	192,475	$	—
Schedule of assets measured at fair value on a non-recurring basis	'
		Fair Value Measurements at September 30, 2013 Using:
					Quoted Prices
					In Active				Other
					Markets for		Significant		Significant
					Identical		Observable		Unobservable
	(In thousands)	Carrying			Assets		Inputs		Inputs
	Description	Value			(Level 1)		(Level 2)		(Level 3)
	Impaired loans:
	Real estate construction	$	—		$	—	$	—	$	—
	Real Estate Mortgage:
	1-4 family residential	765			—		—		765
	Multi-family residential	212			—		—		212
	Non-farm & non-residential	482			—		—		482
	Other real estate owned:
	Residential	2,156			—		—		2,156
	Loan servicing rights	325			—		—		325
		Fair Value Measurements at December 31, 2012 Using:
					Quoted Prices
					In Active				Other
					Markets for		Significant		Significant
					Identical		Observable		Unobservable
	(In thousands)	Carrying			Assets		Inputs		Inputs
	Description	Value			(Level 1)		(Level 2)		(Level 3)
	Impaired loans:
	Real estate construction	$	2,535		$	—	$	—	$	2,535
	Real Estate Mortgage:
	1-4 family residential	1,255			—		—		1,255
	Multi-family residential	164			—		—		164
	Non-farm & non-residential	2,025			—		—		2,025
	Agricultural	4,839			—		—		4,839
	Other real estate owned:
	Residential	2,539			—		—		2,539
	Loan servicing rights	529			—		—		529
Schedule of quantitative information about level 3 fair value measurements for financial instruments measured at fair value on a non-recurring basis	'
							Range
		Fair		Valuation		Unobservable	(Weighted
	(In thousands)	Value		Technique(s)		Input(s)	Average)
	Impaired loans
	Real estate mortgage:
	1-4 family residential	765		sales comparison		adjustment for	0%-99%
						differences	-7%
						between the
						comparable sales
	Multi-family residential	212		sales comparison		adjustment for	12%-32%
						differences	-8%
						between the
						comparable sales
	Non-farm & non-residential	482		sales comparison		adjustment for	0%-100%
						differences	-26%
						between the
						comparable sales
	Other real estate owned:
	Residential	2,156		sales comparison		adjustment for	0%-30%
						differences	-7%
						between the
						comparable sales
				income approach		capitalization rate	12%-12%
							-12%
	Loan Servicing Rights	325		discounted cash		constant prepayment	1%-30%
				flow		rates	-12%
Schedule of carrying amounts and fair value financial instruments	'
	Fair Value Measurements at September 30, 2013 Using:
		Carrying
	(in thousands)	Value			Level 1		Level 2		Level 3		Total
	Financial assets
	Cash and cash equivalents	$	18,667		$	18,667	$	—	$	—	$	18,667
	Securities	210,341			293		210,048		—		210,341
	Mortgage loans held for sale	912			—		917		—		917
	Loans, net	459,365			—		—		459,392		459,392
	FHLB Stock	6,731			—		—		—		N/A
	Interest receivable	3,755			—		1,300		2,455		3,755
	Financial liabilities
	Deposits	$	573,486		$	385,356	$	190,124	$	—	$	575,480
	Securities sold under agreements to repurchase and other borrowings	9,939			—		10,028		—		10,028
	Federal Funds Purchased	7,439			7,439						7,439
	FHLB advances	68,579			—		64,819		—		64,819
	Subordinated Debentures	7,217			—		—		7,212		7,212
	Interest payable	744			—		735		9		744
	Fair Value Measurements at December 31, 2012 Using:
		Carrying
	(in thousands)	Value			Level 1		Level 2		Level 3		Total
	Financial assets
	Cash and cash equivalents	$	31,764		$	31,764	$	—	$	—	$	31,764
	Securities	192,780			305		192,475		—		192,780
	Mortgage loans held for sale	486			—		500		—		500
	Loans, net	423,928			—		—		422,920		422,920
	FHLB Stock	6,731			—		—		—		N/A
	Interest receivable	3,946			—		1,138		2,808		3,946
	Financial liabilities
	Deposits	$	590,425		$	401,164	$	191,732	$	—	$	592,896
	Securities sold under agreements to repurchase and other borrowings	4,315			—		4,314		—		4,314
	FHLB advances	17,449			—		18,806		—		18,806
	Subordinated Debentures	7,217			—		—		7,261		7,261
	Interest payable	610			—		601		9		610

CHANGES_IN_ACCUMULATED_OTHER_C1

CHANGES IN ACCUMULATED OTHER COMPREHENSIVE INCOME BY COMPONENT (Tables)	9 Months Ended
	Sep. 30, 2013
CHANGES IN ACCUMULATED OTHER COMPREHENSIVE INCOME BY COMPONENT	'
Schedule of changes in Accumulated Other Comprehensive Income by Component	'
	(in thousands)
		Unrealized
		Gains and Losses on
		Available for Sale
		Securities
		For the Nine Months Ending September 30
		2013			2012
	Beginning Balance	$	4,283		$	3,770
	Unrealized holding gains (losses) for the period, net of tax	(7,020		)	2,104
	Reclassification adjustment for:
	Securities gains realized in income	(774		)	(887		)
	Income taxes	(263		)	(302		)
		(511		)	(585		)
	Net current period other comprehensive income	(7,531		)	1,519
	Ending balance	$	(3,248	)	$	5,289
	(1)         All amounts are net of tax.
		Unrealized
		Gains and Losses on
		Available for Sale
		Securities
		For the Three Months Ending September 30
		2013			2012
	Beginning Balance	$	(1,693	)	$	5,047
	Unrealized holding gains (losses) for the period, net of tax	(1,555		)	649
	Reclassification adjustment for:
	Securities gains realized in income	—			(616		)
	Income taxes	—			(209		)
		—			(407		)
	Net current period other comprehensive income	(1,555		)	242
	Ending balance	$	(3,248	)	$	5,289
	(2)         All amounts are net of tax.

SUMMARY_OF_SIGNIFICANT_ACCOUNT2

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Details) (Termination of defined benefit plan, USD $)	9 Months Ended
	Sep. 30, 2013
	item
Termination of defined benefit plan	'
Loss Contingencies	'
Number of lump sum payments paid to participants under the plan	2
Amount of potential exposure	$1,300,000
Estimated interest	$235,000

SECURITIES_AVAILABLE_FOR_SALE_1

SECURITIES AVAILABLE FOR SALE (Details) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Securities Available for Sale	'	'
Amortized Cost	$215,262	$186,291
Gross Unrealized Gains	2,214	6,679
Gross Unrealized Losses	-7,135	-190
Fair Value	210,341	192,780
U.S. government agencies	'	'
Securities Available for Sale	'	'
Amortized Cost	73,969	48,730
Gross Unrealized Gains	66	122
Gross Unrealized Losses	-3,576	-21
Fair Value	70,459	48,831
States and political subdivisions	'	'
Securities Available for Sale	'	'
Amortized Cost	81,899	77,867
Gross Unrealized Gains	1,742	4,887
Gross Unrealized Losses	-2,191	-147
Fair Value	81,450	82,607
Mortgage-backed - residential	'	'
Securities Available for Sale	'	'
Amortized Cost	59,124	59,424
Gross Unrealized Gains	383	1,635
Gross Unrealized Losses	-1,368	-22
Fair Value	58,139	61,037
Equity securities	'	'
Securities Available for Sale	'	'
Amortized Cost	270	270
Gross Unrealized Gains	23	35
Fair Value	$293	$305

SECURITIES_AVAILABLE_FOR_SALE_2

SECURITIES AVAILABLE FOR SALE (Details 2) (USD $)	3 Months Ended		9 Months Ended
	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012	Dec. 31, 2012
Amortized Cost	'	'	'	'	'
Due in one year or less	$1,097,000	'	$1,097,000	'	'
Due after one year through five years	12,551,000	'	12,551,000	'	'
Due after five years through ten years	73,082,000	'	73,082,000	'	'
Due after ten years	69,138,000	'	69,138,000	'	'
Securities due at a single maturity date	155,868,000	'	155,868,000	'	'
Total	215,262,000	'	215,262,000	'	186,291,000
Fair Value	'	'	'	'	'
Due in one year or less	1,078,000	'	1,078,000	'	'
Due after one year through five years	12,501,000	'	12,501,000	'	'
Due after five years through ten years	71,128,000	'	71,128,000	'	'
Due after ten years	67,202,000	'	67,202,000	'	'
Securities due at a single maturity date	151,909,000	'	151,909,000	'	'
Fair Value	210,341,000	'	210,341,000	'	192,780,000
Proceeds from sales of securities	0	15,700,000	27,200,000	31,800,000	'
Gross gains realized on sales of securities	0	616,000	774,000	887,000	'
Gross losses realized on sales of securities	0	0	0	0	'
Tax provision related to realized gains	0	209,000	263,000	302,000	'
Mortgage-backed - residential	'	'	'	'	'
Amortized Cost	'	'	'	'	'
Total	59,124,000	'	59,124,000	'	59,424,000
Fair Value	'	'	'	'	'
Fair Value	58,139,000	'	58,139,000	'	61,037,000
Equity	'	'	'	'	'
Amortized Cost	'	'	'	'	'
Total	270,000	'	270,000	'	270,000
Fair Value	'	'	'	'	'
Fair Value	$293,000	'	$293,000	'	$305,000

SECURITIES_AVAILABLE_FOR_SALE_3

SECURITIES AVAILABLE FOR SALE (Details 3) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Securities with unrealized losses	'	'
Less than 12 Months, Fair Value	$123,366	$25,271
Less than 12 Months, Unrealized Loss	-7,135	-190
Total, Fair Value	123,366	25,271
Total, Unrealized Loss	-7,135	-190
U.S. Government agencies	'	'
Securities with unrealized losses	'	'
Less than 12 Months, Fair Value	62,630	11,979
Less than 12 Months, Unrealized Loss	-3,576	-21
Total, Fair Value	62,630	11,979
Total, Unrealized Loss	-3,576	-21
States and municipals	'	'
Securities with unrealized losses	'	'
Less than 12 Months, Fair Value	26,478	7,519
Less than 12 Months, Unrealized Loss	-2,191	-147
Total, Fair Value	26,478	7,519
Total, Unrealized Loss	-2,191	-147
Mortgage-backed - residential	'	'
Securities with unrealized losses	'	'
Less than 12 Months, Fair Value	34,258	5,773
Less than 12 Months, Unrealized Loss	-1,368	-22
Total, Fair Value	34,258	5,773
Total, Unrealized Loss	($1,368)	($22)

LOANS_Details

LOANS (Details) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Loans	'	'
Loans	$464,866	$429,975
Commercial	'	'
Loans	'	'
Loans	36,624	33,137
Real estate construction	'	'
Loans	'	'
Loans	10,096	14,102
1-4 family residential	'	'
Loans	'	'
Loans	194,508	170,199
Multi-family residential	'	'
Loans	'	'
Loans	14,367	11,512
Non-farm & non-residential	'	'
Loans	'	'
Loans	124,800	113,440
Agricultural	'	'
Loans	'	'
Loans	67,112	69,806
Consumer	'	'
Loans	'	'
Loans	17,217	17,442
Other	'	'
Loans	'	'
Loans	$143	$337

LOANS_Details_2

LOANS (Details 2) (USD $)	3 Months Ended		9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
Activity in allowance for loan losses	'	'	'	'
Beginning Balance	$5,497	$5,789	$6,047	$5,842
Charge-offs	417	480	1,956	1,763
Recoveries	171	108	560	338
Provision	250	600	850	1,600
Ending Balance	5,501	6,017	5,501	6,017
Commercial	'	'	'	'
Activity in allowance for loan losses	'	'	'	'
Beginning Balance	150	198	150	192
Charge-offs	'	'	12	'
Recoveries	'	24	28	24
Provision	2	-66	-14	-60
Ending Balance	152	156	152	156
Real estate construction	'	'	'	'
Activity in allowance for loan losses	'	'	'	'
Beginning Balance	373	764	918	1,008
Charge-offs	'	'	578	73
Recoveries	'	14	21	14
Provision	43	-7	55	-178
Ending Balance	416	771	416	771
1-4 family residential	'	'	'	'
Activity in allowance for loan losses	'	'	'	'
Beginning Balance	1,984	2,099	1,989	2,257
Charge-offs	45	295	186	907
Recoveries	2	6	58	14
Provision	130	425	210	871
Ending Balance	2,071	2,235	2,071	2,235
Multi-family residential	'	'	'	'
Activity in allowance for loan losses	'	'	'	'
Beginning Balance	481	274	414	336
Charge-offs	'	'	161	52
Recoveries	64	'	103	1
Provision	-100	74	89	63
Ending Balance	445	348	445	348
Non-farm & non-residential	'	'	'	'
Activity in allowance for loan losses	'	'	'	'
Beginning Balance	677	698	628	410
Charge-offs	99	'	99	64
Recoveries	'	'	18	'
Provision	6	-74	37	278
Ending Balance	584	624	584	624
Agricultural	'	'	'	'
Activity in allowance for loan losses	'	'	'	'
Beginning Balance	661	791	845	721
Charge-offs	23	'	109	15
Recoveries	19	1	22	5
Provision	-34	61	-135	142
Ending Balance	623	853	623	853
Consumer	'	'	'	'
Activity in allowance for loan losses	'	'	'	'
Beginning Balance	548	535	517	524
Charge-offs	46	83	298	296
Recoveries	-9	8	9	33
Provision	41	82	306	281
Ending Balance	534	542	534	542
Other	'	'	'	'
Activity in allowance for loan losses	'	'	'	'
Beginning Balance	92	37	54	50
Charge-offs	204	102	513	356
Recoveries	95	55	301	247
Provision	143	58	284	107
Ending Balance	126	48	126	48
Unallocated	'	'	'	'
Activity in allowance for loan losses	'	'	'	'
Beginning Balance	531	393	532	344
Provision	19	47	18	96
Ending Balance	$550	$440	$550	$440

LOANS_Details_3

LOANS (Details 3) (USD $)	Sep. 30, 2013	Jun. 30, 2013	Dec. 31, 2012	Sep. 30, 2012	Jun. 30, 2012	Dec. 31, 2011
Loans	'	'	'	'	'	'
Accrued interest receivable	$2,500,000	'	$2,800,000	'	'	'
Allowance for Loan Losses:	'	'	'	'	'	'
Individually Evaluated for Impairment	755,000	'	1,458,000	'	'	'
Collectively Evaluated for Impairment	4,746,000	'	4,589,000	'	'	'
Total	5,501,000	5,497,000	6,047,000	6,017,000	5,789,000	5,842,000
Loans:	'	'	'	'	'	'
Individually Evaluated for Impairment	13,125,000	'	19,184,000	'	'	'
Collectively Evaluated for Impairment	451,741,000	'	410,791,000	'	'	'
Total	464,866,000	'	429,975,000	'	'	'
Commercial	'	'	'	'	'	'
Allowance for Loan Losses:	'	'	'	'	'	'
Collectively Evaluated for Impairment	152,000	'	150,000	'	'	'
Total	152,000	150,000	150,000	156,000	198,000	192,000
Loans:	'	'	'	'	'	'
Collectively Evaluated for Impairment	36,624,000	'	33,137,000	'	'	'
Total	36,624,000	'	33,137,000	'	'	'
Real estate construction	'	'	'	'	'	'
Allowance for Loan Losses:	'	'	'	'	'	'
Individually Evaluated for Impairment	'	'	503,000	'	'	'
Collectively Evaluated for Impairment	416,000	'	415,000	'	'	'
Total	416,000	373,000	918,000	771,000	764,000	1,008,000
Loans:	'	'	'	'	'	'
Individually Evaluated for Impairment	'	'	3,035,000	'	'	'
Collectively Evaluated for Impairment	10,096,000	'	11,067,000	'	'	'
Total	10,096,000	'	14,102,000	'	'	'
1-4 family residential	'	'	'	'	'	'
Allowance for Loan Losses:	'	'	'	'	'	'
Individually Evaluated for Impairment	186,000	'	109,000	'	'	'
Collectively Evaluated for Impairment	1,885,000	'	1,880,000	'	'	'
Total	2,071,000	1,984,000	1,989,000	2,235,000	2,099,000	2,257,000
Loans:	'	'	'	'	'	'
Individually Evaluated for Impairment	2,245,000	'	3,610,000	'	'	'
Collectively Evaluated for Impairment	192,263,000	'	166,589,000	'	'	'
Total	194,508,000	'	170,199,000	'	'	'
Multi-family residential	'	'	'	'	'	'
Allowance for Loan Losses:	'	'	'	'	'	'
Individually Evaluated for Impairment	76,000	'	147,000	'	'	'
Collectively Evaluated for Impairment	369,000	'	267,000	'	'	'
Total	445,000	481,000	414,000	348,000	274,000	336,000
Loans:	'	'	'	'	'	'
Individually Evaluated for Impairment	288,000	'	311,000	'	'	'
Collectively Evaluated for Impairment	14,079,000	'	11,201,000	'	'	'
Total	14,367,000	'	11,512,000	'	'	'
Non-farm & non-residential	'	'	'	'	'	'
Allowance for Loan Losses:	'	'	'	'	'	'
Individually Evaluated for Impairment	124,000	'	150,000	'	'	'
Collectively Evaluated for Impairment	460,000	'	478,000	'	'	'
Total	584,000	677,000	628,000	624,000	698,000	410,000
Loans:	'	'	'	'	'	'
Individually Evaluated for Impairment	3,176,000	'	4,183,000	'	'	'
Collectively Evaluated for Impairment	121,623,000	'	109,257,000	'	'	'
Total	124,800,000	'	113,440,000	'	'	'
Agricultural	'	'	'	'	'	'
Allowance for Loan Losses:	'	'	'	'	'	'
Individually Evaluated for Impairment	369,000	'	549,000	'	'	'
Collectively Evaluated for Impairment	254,000	'	296,000	'	'	'
Total	623,000	661,000	845,000	853,000	791,000	721,000
Loans:	'	'	'	'	'	'
Individually Evaluated for Impairment	7,416,000	'	8,045,000	'	'	'
Collectively Evaluated for Impairment	59,696,000	'	61,761,000	'	'	'
Total	67,112,000	'	69,806,000	'	'	'
Consumer	'	'	'	'	'	'
Allowance for Loan Losses:	'	'	'	'	'	'
Collectively Evaluated for Impairment	534,000	'	517,000	'	'	'
Total	534,000	548,000	517,000	542,000	535,000	524,000
Loans:	'	'	'	'	'	'
Collectively Evaluated for Impairment	17,217,000	'	17,442,000	'	'	'
Total	17,217,000	'	17,442,000	'	'	'
Other	'	'	'	'	'	'
Allowance for Loan Losses:	'	'	'	'	'	'
Collectively Evaluated for Impairment	126,000	'	54,000	'	'	'
Total	126,000	92,000	54,000	48,000	37,000	50,000
Loans:	'	'	'	'	'	'
Collectively Evaluated for Impairment	143,000	'	337,000	'	'	'
Total	143,000	'	337,000	'	'	'
Unallocated	'	'	'	'	'	'
Allowance for Loan Losses:	'	'	'	'	'	'
Collectively Evaluated for Impairment	550,000	'	532,000	'	'	'
Total	$550,000	$531,000	$532,000	$440,000	$393,000	$344,000

LOANS_Details_4

LOANS (Details 4) (USD $)	3 Months Ended		9 Months Ended		12 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012	Dec. 31, 2012
Unpaid Principal Balance	'	'	'	'	'
Total	$14,065	'	$14,065	'	$19,980
Recorded Investment	'	'	'	'	'
Total	13,125	'	13,125	'	19,184
Allowance for Loan Losses Allocated	755	'	755	'	1,458
Average Recorded Investment	'	'	'	'	'
Total	13,320	18,440	14,980	16,744	13,625
Interest Income Recognized	'	'	'	'	'
Total	149	70	338	362	1,044
Cash Basis Interest Recognized	'	'	'	'	'
Total	149	70	338	362	1,044
Real estate construction	'	'	'	'	'
Unpaid Principal Balance	'	'	'	'	'
With an allowance recorded	'	'	'	'	3,035
Recorded Investment	'	'	'	'	'
With an allowance recorded	'	'	'	'	3,035
Allowance for Loan Losses Allocated	'	'	'	'	503
Average Recorded Investment	'	'	'	'	'
With no related allowance recorded	'	'	'	800	640
With an allowance recorded	'	2,684	759	2,525	2,020
Interest Income Recognized	'	'	'	'	'
With no related allowance recorded	'	'	'	40	'
With an allowance recorded	'	'	'	'	111
Cash Basis Interest Recognized	'	'	'	'	'
With no related allowance recorded	'	'	'	40	'
With an allowance recorded	'	'	'	'	111
1-4 family residential	'	'	'	'	'
Unpaid Principal Balance	'	'	'	'	'
With no related allowance recorded	889	'	889	'	2,272
With an allowance recorded	1,384	'	1,384	'	1,367
Recorded Investment	'	'	'	'	'
With no related allowance recorded	861	'	861	'	2,243
With an allowance recorded	1,384	'	1,384	'	1,367
Allowance for Loan Losses Allocated	186	'	186	'	109
Average Recorded Investment	'	'	'	'	'
With no related allowance recorded	1,017	3,253	1,323	1,844	1,322
With an allowance recorded	1,129	674	1,167	1,106	976
Interest Income Recognized	'	'	'	'	'
With no related allowance recorded	17	5	38	35	75
With an allowance recorded	22	'	43	101	57
Cash Basis Interest Recognized	'	'	'	'	'
With no related allowance recorded	17	5	38	35	75
With an allowance recorded	22	'	43	101	57
Multi-family residential	'	'	'	'	'
Unpaid Principal Balance	'	'	'	'	'
With an allowance recorded	288	'	288	'	311
Recorded Investment	'	'	'	'	'
With an allowance recorded	288	'	288	'	311
Allowance for Loan Losses Allocated	76	'	76	'	147
Average Recorded Investment	'	'	'	'	'
With no related allowance recorded	'	103	'	51	41
With an allowance recorded	400	435	485	321	225
Interest Income Recognized	'	'	'	'	'
With no related allowance recorded	'	'	'	12	'
With an allowance recorded	2	'	3	'	12
Cash Basis Interest Recognized	'	'	'	'	'
With no related allowance recorded	'	'	'	12	'
With an allowance recorded	2	'	3	'	12
Non-farm & non-residential	'	'	'	'	'
Unpaid Principal Balance	'	'	'	'	'
With no related allowance recorded	1,625	'	1,625	'	2,775
With an allowance recorded	2,378	'	2,378	'	2,175
Recorded Investment	'	'	'	'	'
With no related allowance recorded	798	'	798	'	2,008
With an allowance recorded	2,378	'	2,378	'	2,175
Allowance for Loan Losses Allocated	124	'	124	'	150
Average Recorded Investment	'	'	'	'	'
With no related allowance recorded	808	2,805	1,432	2,191	1,756
With an allowance recorded	2,508	2,087	2,150	1,500	1,189
Interest Income Recognized	'	'	'	'	'
With no related allowance recorded	20	23	61	21	158
With an allowance recorded	20	'	59	47	104
Cash Basis Interest Recognized	'	'	'	'	'
With no related allowance recorded	20	23	61	21	158
With an allowance recorded	20	'	59	47	104
Agricultural	'	'	'	'	'
Unpaid Principal Balance	'	'	'	'	'
With no related allowance recorded	2,820	'	2,820	'	2,657
With an allowance recorded	4,681	'	4,681	'	5,388
Recorded Investment	'	'	'	'	'
With no related allowance recorded	2,734	'	2,734	'	2,657
With an allowance recorded	4,682	'	4,682	'	5,388
Allowance for Loan Losses Allocated	369	'	369	'	549
Average Recorded Investment	'	'	'	'	'
With no related allowance recorded	2,761	1,269	2,796	1,370	1,432
With an allowance recorded	4,697	5,130	4,868	5,036	4,024
Interest Income Recognized	'	'	'	'	'
With no related allowance recorded	3	42	12	73	275
With an allowance recorded	65	'	122	33	252
Cash Basis Interest Recognized	'	'	'	'	'
With no related allowance recorded	3	42	12	73	275
With an allowance recorded	$65	'	$122	$33	$252

LOANS_Details_5

LOANS (Details 5) (USD $)	3 Months Ended		9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012	Dec. 31, 2012
Loans	'	'	'	'	'
Nonaccrual	$4,273	'	$4,273	'	$7,024
Loans Past Due Over 90 Days Still Accruing	173	'	173	'	841
Accruing Troubled Debt Restructurings	7,067	'	7,067	'	7,227
Percentage of nonaccrual loans secured by real estate	99.10%	'	99.10%	'	'
Minimum period for which principal or interest is in default for loans to be considered as nonaccrual	'	'	'90 days	'	'
Maximum period past due for loans to be considered as impaired	'	'	'90 days	'	'
Impaired loans transferred to other real estate owned	'	'	472	2,257	'
Amount recorded in charge offs which contributed to a reduction in nonaccrual loan balances	417	480	1,956	1,763	'
Commercial	'	'	'	'	'
Loans	'	'	'	'	'
Nonaccrual	'	'	'	'	45
Amount recorded in charge offs which contributed to a reduction in nonaccrual loan balances	'	'	12	'	'
Real estate construction	'	'	'	'	'
Loans	'	'	'	'	'
Nonaccrual	'	'	'	'	3,035
Number of loans largely responsible for the increase in loan charge offs	1	'	1	'	'
Amount recorded in charge offs which contributed to a reduction in nonaccrual loan balances	'	'	578	73	'
1-4 family residential	'	'	'	'	'
Loans	'	'	'	'	'
Nonaccrual	1,448	'	1,448	'	1,065
Loans Past Due Over 90 Days Still Accruing	173	'	173	'	373
Accruing Troubled Debt Restructurings	496	'	496	'	505
Amount recorded in charge offs which contributed to a reduction in nonaccrual loan balances	45	295	186	907	'
Multi-family residential	'	'	'	'	'
Loans	'	'	'	'	'
Nonaccrual	288	'	288	'	311
Amount recorded in charge offs which contributed to a reduction in nonaccrual loan balances	'	'	161	52	'
Non-farm & non-residential	'	'	'	'	'
Loans	'	'	'	'	'
Nonaccrual	1,505	'	1,505	'	1,589
Accruing Troubled Debt Restructurings	1,889	'	1,889	'	1,924
Amount recorded in charge offs which contributed to a reduction in nonaccrual loan balances	99	'	99	64	'
Agricultural	'	'	'	'	'
Loans	'	'	'	'	'
Nonaccrual	995	'	995	'	894
Loans Past Due Over 90 Days Still Accruing	'	'	'	'	426
Accruing Troubled Debt Restructurings	4,682	'	4,682	'	4,798
Amount recorded in charge offs which contributed to a reduction in nonaccrual loan balances	23	'	109	15	'
Consumer	'	'	'	'	'
Loans	'	'	'	'	'
Nonaccrual	37	'	37	'	85
Loans Past Due Over 90 Days Still Accruing	'	'	'	'	42
Amount recorded in charge offs which contributed to a reduction in nonaccrual loan balances	$46	$83	$298	$296	'

LOANS_Details_6

LOANS (Details 6) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Aging of recorded investment in past due and non-accrual loans	'	'
30-59 Days Past Due	$2,582	$3,214
60-89 Days Past Due	359	673
Loans Past Due Over 90 Days Still Accruing	173	841
Non-accrual	4,273	7,024
Total Past Due and Non-accrual	7,387	11,752
Loans Not Past Due	457,479	418,223
Commercial	'	'
Aging of recorded investment in past due and non-accrual loans	'	'
30-59 Days Past Due	399	16
Non-accrual	'	45
Total Past Due and Non-accrual	399	61
Loans Not Past Due	36,225	33,076
Real estate construction	'	'
Aging of recorded investment in past due and non-accrual loans	'	'
Non-accrual	'	3,035
Total Past Due and Non-accrual	'	3,035
Loans Not Past Due	10,096	11,067
1-4 family residential	'	'
Aging of recorded investment in past due and non-accrual loans	'	'
30-59 Days Past Due	1,484	2,282
60-89 Days Past Due	228	652
Loans Past Due Over 90 Days Still Accruing	173	373
Non-accrual	1,448	1,065
Total Past Due and Non-accrual	3,333	4,372
Loans Not Past Due	191,174	165,827
Multi-family residential	'	'
Aging of recorded investment in past due and non-accrual loans	'	'
Non-accrual	288	311
Total Past Due and Non-accrual	288	311
Loans Not Past Due	14,079	11,201
Non-farm & non-residential	'	'
Aging of recorded investment in past due and non-accrual loans	'	'
30-59 Days Past Due	62	90
Non-accrual	1,505	1,589
Total Past Due and Non-accrual	1,567	1,679
Loans Not Past Due	123,233	111,761
Agricultural	'	'
Aging of recorded investment in past due and non-accrual loans	'	'
30-59 Days Past Due	564	655
60-89 Days Past Due	117	'
Loans Past Due Over 90 Days Still Accruing	'	426
Non-accrual	995	894
Total Past Due and Non-accrual	1,676	1,975
Loans Not Past Due	65,436	67,831
Consumer	'	'
Aging of recorded investment in past due and non-accrual loans	'	'
30-59 Days Past Due	73	171
60-89 Days Past Due	14	21
Loans Past Due Over 90 Days Still Accruing	'	42
Non-accrual	37	85
Total Past Due and Non-accrual	124	319
Loans Not Past Due	17,093	17,123
Other	'	'
Aging of recorded investment in past due and non-accrual loans	'	'
Loans Not Past Due	$143	$337

LOANS_Details_7

LOANS (Details 7) (USD $)	3 Months Ended		9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012	Dec. 31, 2012
	item	item	item	item
LOANS	'	'	'	'	'
Specific reserves to customers whose loan terms have been modified in troubled debt restructurings	$550	'	$550	'	$663
Trouble debt restructuring for which there was payment default	'	'	$0	$0	'
Number of loans modified	0	2	0	2	'

LOANS_Details_8

LOANS (Details 8) (USD $)	9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Dec. 31, 2012
Credit Quality Indicators	'	'
Loans	$464,866	$429,975
Pass	'	'
Credit Quality Indicators	'	'
Loans	404,372	355,908
Special Mention	'	'
Credit Quality Indicators	'	'
Loans	29,751	29,252
Substandard	'	'
Credit Quality Indicators	'	'
Loans	13,373	27,001
Doubtful	'	'
Credit Quality Indicators	'	'
Loans	10	34
Commercial	'	'
Credit Quality Indicators	'	'
Loans	36,624	33,137
Commercial | Pass	'	'
Credit Quality Indicators	'	'
Loans	34,675	31,419
Commercial | Special Mention	'	'
Credit Quality Indicators	'	'
Loans	1,650	1,362
Commercial | Substandard	'	'
Credit Quality Indicators	'	'
Loans	299	350
Commercial | Doubtful	'	'
Credit Quality Indicators	'	'
Loans	'	6
Real estate construction	'	'
Credit Quality Indicators	'	'
Loans	10,096	14,102
Real estate construction | Pass	'	'
Credit Quality Indicators	'	'
Loans	8,343	4,394
Real estate construction | Special Mention	'	'
Credit Quality Indicators	'	'
Loans	1,753	6,674
Real estate construction | Substandard	'	'
Credit Quality Indicators	'	'
Loans	'	3,035
1-4 family residential	'	'
Credit Quality Indicators	'	'
Loans	194,508	170,199
1-4 family residential | Pass	'	'
Credit Quality Indicators	'	'
Loans	177,116	149,104
1-4 family residential | Special Mention	'	'
Credit Quality Indicators	'	'
Loans	10,578	12,242
1-4 family residential | Substandard	'	'
Credit Quality Indicators	'	'
Loans	6,803	8,827
1-4 family residential | Doubtful	'	'
Credit Quality Indicators	'	'
Loans	10	26
Multi-family residential	'	'
Credit Quality Indicators	'	'
Loans	14,367	11,512
Multi-family residential | Pass	'	'
Credit Quality Indicators	'	'
Loans	12,301	9,305
Multi-family residential | Special Mention	'	'
Credit Quality Indicators	'	'
Loans	1,598	1,812
Multi-family residential | Substandard	'	'
Credit Quality Indicators	'	'
Loans	468	394
Non-farm & non-residential	'	'
Credit Quality Indicators	'	'
Loans	124,800	113,440
Non-farm & non-residential | Pass	'	'
Credit Quality Indicators	'	'
Loans	117,581	105,170
Non-farm & non-residential | Special Mention	'	'
Credit Quality Indicators	'	'
Loans	5,242	3,593
Non-farm & non-residential | Substandard	'	'
Credit Quality Indicators	'	'
Loans	1,977	4,677
Agricultural	'	'
Credit Quality Indicators	'	'
Loans	67,112	69,806
Agricultural | Pass	'	'
Credit Quality Indicators	'	'
Loans	54,356	56,516
Agricultural | Special Mention	'	'
Credit Quality Indicators	'	'
Loans	8,930	3,569
Agricultural | Substandard	'	'
Credit Quality Indicators	'	'
Loans	3,826	9,718
Agricultural | Doubtful	'	'
Credit Quality Indicators	'	'
Loans	'	2
Consumer	'	'
Credit Quality Indicators	'	'
Loans	17,217	17,442
Consumer | Non-performing	'	'
Credit Quality Indicators	'	'
Loans	$37	$127
Minimum period past due for loans to be considered as non-performing	'90 days	'

REAL_ESTATE_OWNED_Details

REAL ESTATE OWNED (Details) (USD $)	3 Months Ended		9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
Activity in real estate owned	'	'	'	'
Beginning of year	'	'	$4,168	$8,296
Additions	'	'	542	2,257
Sales	'	'	-1,238	-3,565
Additions to valuation allowance, net	'	'	79	-381
Recovery from sale in valuation allowance	'	'	207	376
End of period	3,758	6,983	3,758	6,983
Activity in the valuation allowance	'	'	'	'
Beginning of year	'	'	1,668	1,332
Additions to valuation allowance, net	'	'	-79	381
Recovery from sale	'	'	-207	-376
End of period	1,382	1,337	1,382	1,337
Expenses related to foreclosed assets	'	'	'	'
Net loss (gain) on sales	'	'	-25	153
Additions to valuation allowance, net	'	'	-79	381
Operating expenses (receipts), net of rental income	'	'	132	639
Repossession expenses, net	18	500	53	1,020
End of period	'	'	$28	$1,173

EARNINGS_PER_SHARE_Details

EARNINGS PER SHARE (Details) (USD $)	3 Months Ended		9 Months Ended
In Thousands, except Per Share data, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
Basic Earnings Per Share	'	'	'	'
Net Income	$1,367	$1,698	$4,861	$5,094
Weighted average common shares outstanding	2,705	2,706	2,705	2,706
Basic earnings per share (in dollars per share)	$0.51	$0.63	$1.80	$1.88
Diluted Earnings Per Share	'	'	'	'
Net Income	$1,367	$1,698	$4,861	$5,094
Weighted average common shares outstanding	2,705	2,706	2,705	2,706
Add dilutive effects of assumed vesting of stock grants	4	1	4	1
Weighted average common and dilutive potential common shares outstanding	2,709	2,707	2,709	2,707
Diluted earnings per share (in dollars per share)	$0.51	$0.63	$1.80	$1.88

EARNINGS_PER_SHARE_Details_2

EARNINGS PER SHARE (Details 2)	3 Months Ended		9 Months Ended
	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
Stock options	'	'	'	'
Antidilutive securities	'	'	'	'
Antidilutive shares excluded from computation of diluted earnings per share	19,100	29,160	19,100	29,160
Restricted stock	'	'	'	'
Antidilutive securities	'	'	'	'
Antidilutive shares excluded from computation of diluted earnings per share	16,669	14,354	16,669	14,354

STOCK_COMPENSATION_Details

STOCK COMPENSATION (Details)	9 Months Ended
	Sep. 30, 2013
	item
STOCK COMPENSATION	'
Number of share based compensation plans	4

STOCK_COMPENSATION_Details_2

STOCK COMPENSATION (Details 2) (Stock Options)	9 Months Ended
	Sep. 30, 2013
Stock Option Plans	'
Stock Based Compensation	'
Life of awards	'10 years
1999 Plan	'
Stock Based Compensation	'
Vesting period	'5 years
Number of shares authorized for issuance	100,000
1993 Non-Employee Directors Stock Ownership Incentive Plan	'
Stock Based Compensation	'
Number of shares authorized for issuance	20,000

STOCK_COMPENSATION_Details_3

STOCK COMPENSATION (Details 3) (Stock Option Plans, USD $)	9 Months Ended
	Sep. 30, 2013
Stock Option Plans	'
Shares	'
Outstanding, beginning of year (in shares)	28,460
Forfeited or expired (in shares)	-9,360
Outstanding, end of period (in shares)	19,100
Vested and expected to vest (in shares)	19,100
Exercisable, end of period (in shares)	19,100
Weighted Average Exercise Price	'
Outstanding, beginning of year (in dollars per share)	$29.86
Forfeited or expired (in dollars per share)	$26.56
Outstanding, end of period (in dollars per share)	$31.50
Vested and expected to vest (in dollars per share)	$31.50
Exercisable, end of period (in dollars per share)	$31.50
Weighted Average Remaining Contractual Term	'
Outstanding, end of period	'14 years 9 months 18 days
Vested and expected to vest	'14 years 9 months 18 days
Exercisable, end of period	'14 years 9 months 18 days
Additional disclosures	'
Total unrecognized compensation cost related to nonvested stock options granted	$0
Additional options to be granted under the plans (in shares)	0

STOCK_COMPENSATION_Details_4

STOCK COMPENSATION (Details 4) (USD $)	9 Months Ended		12 Months Ended
	Sep. 30, 2013	Sep. 30, 2012	Dec. 31, 2012
2005 Restricted Stock Grant Plan | Restricted stock	'	'	'
Stock Based Compensation	'	'	'
Number of shares authorized for issuance	50,000	'	'
Shares available for issuance	12,310	'	'
Shares	'	'	'
Nonvested at the beginning of the period (in shares)	14,739	'	'
Granted (in shares)	6,065	'	5,615
Vested (in shares)	-4,137	'	'
Forfeited (in shares)	-65	-30	'
Nonvested at the end of the period (in shares)	16,602	'	14,739
Weighted-Average Grant-Date Fair Value	'	'	'
Nonvested shares, balance at the beginning of the period (in dollars)	$267,658	'	'
Granted (in dollars)	112,203	'	'
Vested (in dollars)	-80,283	'	'
Forfeited (in dollars)	-1,203	'	'
Nonvested shares, balance at the end of the period (in dollars)	298,375	'	267,658
Fair Value Per Share	'	'	'
Nonvested shares, balance at the beginning of the period (in dollars per share)	$18.16	'	'
Granted (in dollars per share)	$18.50	'	'
Vested (in dollars per share)	$19.41	'	'
Forfeited (in dollars per share)	$18.50	'	'
Nonvested shares, balance at the end of the period (in dollars per share)	$17.97	'	$18.16
Additional disclosures	'	'	'
Total unrecognized compensation cost related to nonvested shares granted	258,722	'	'
Period over which cost is expected to be recognized	'5 years	'	'
2009 Stock Award Plan	'	'	'
Stock Based Compensation	'	'	'
Number of shares authorized for issuance	150,000	'	'
Shares available for issuance	149,100	'	'
2009 Stock Award Plan | Restricted stock	'	'	'
Shares	'	'	'
Granted (in shares)	900	'	0
Nonvested at the end of the period (in shares)	900	'	'
Weighted-Average Grant-Date Fair Value	'	'	'
Granted (in dollars)	20,880	'	'
Nonvested shares, balance at the end of the period (in dollars)	20,880	'	'
Fair Value Per Share	'	'	'
Granted (in dollars per share)	$23.20	'	'
Nonvested shares, balance at the end of the period (in dollars per share)	$23.20	'	'
Additional disclosures	'	'	'
Total unrecognized compensation cost related to nonvested shares granted	$18,444	'	'
Period over which cost is expected to be recognized	'5 years	'	'

OTHER_BORROWINGS_Details

OTHER BORROWINGS (Details) (Promissory note payable, USD $)	Sep. 30, 2013	Dec. 31, 2012
Promissory note payable	'	'
OTHER BORROWINGS	'	'
Principal amount	$0	$500,000

FAIR_VALUE_MEASUREMENTS_Detail

FAIR VALUE MEASUREMENTS (Details) (USD $)	Sep. 30, 2013	Dec. 31, 2012	Sep. 30, 2012
In Thousands, unless otherwise specified
Fair value on instruments on recurring basis	'	'	'
Available for sale investment securities	$210,341	$192,780	'
Transfers from Level 1 to Level 2	0	'	0
Transfers from Level 2 to Level 1	0	'	0
Quoted Prices In Active Markets for Identical Assets (Level 1)	'	'	'
Fair value on instruments on recurring basis	'	'	'
Available for sale investment securities	293	305	'
Significant Other Observable Inputs (Level 2)	'	'	'
Fair value on instruments on recurring basis	'	'	'
Available for sale investment securities	210,048	192,475	'
Recurring | Fair Value	'	'	'
Fair value on instruments on recurring basis	'	'	'
Available for sale investment securities	210,341	192,780	'
Recurring | Quoted Prices In Active Markets for Identical Assets (Level 1)	'	'	'
Fair value on instruments on recurring basis	'	'	'
Available for sale investment securities	293	305	'
Recurring | Significant Other Observable Inputs (Level 2)	'	'	'
Fair value on instruments on recurring basis	'	'	'
Available for sale investment securities	210,048	192,475	'
U.S. government agencies	'	'	'
Fair value on instruments on recurring basis	'	'	'
Available for sale investment securities	70,459	48,831	'
U.S. government agencies | Recurring | Fair Value	'	'	'
Fair value on instruments on recurring basis	'	'	'
Available for sale investment securities	70,459	48,831	'
U.S. government agencies | Recurring | Significant Other Observable Inputs (Level 2)	'	'	'
Fair value on instruments on recurring basis	'	'	'
Available for sale investment securities	70,459	48,831	'
States and municipals	'	'	'
Fair value on instruments on recurring basis	'	'	'
Available for sale investment securities	81,450	82,607	'
States and municipals | Recurring | Fair Value	'	'	'
Fair value on instruments on recurring basis	'	'	'
Available for sale investment securities	81,450	82,607	'
States and municipals | Recurring | Significant Other Observable Inputs (Level 2)	'	'	'
Fair value on instruments on recurring basis	'	'	'
Available for sale investment securities	81,450	82,607	'
Mortgage-backed - residential	'	'	'
Fair value on instruments on recurring basis	'	'	'
Available for sale investment securities	58,139	61,037	'
Mortgage-backed - residential | Recurring | Fair Value	'	'	'
Fair value on instruments on recurring basis	'	'	'
Available for sale investment securities	58,139	61,037	'
Mortgage-backed - residential | Recurring | Significant Other Observable Inputs (Level 2)	'	'	'
Fair value on instruments on recurring basis	'	'	'
Available for sale investment securities	58,139	61,037	'
Equity securities	'	'	'
Fair value on instruments on recurring basis	'	'	'
Available for sale investment securities	293	305	'
Equity securities | Recurring | Fair Value	'	'	'
Fair value on instruments on recurring basis	'	'	'
Available for sale investment securities	293	305	'
Equity securities | Recurring | Quoted Prices In Active Markets for Identical Assets (Level 1)	'	'	'
Fair value on instruments on recurring basis	'	'	'
Available for sale investment securities	$293	$305	'

FAIR_VALUE_MEASUREMENTS_Detail1

FAIR VALUE MEASUREMENTS (Details 2) (USD $)

3 Months Ended

9 Months Ended

3 Months Ended

9 Months Ended

12 Months Ended

In Thousands, unless otherwise specified

Sep. 30, 2013

Sep. 30, 2012

Sep. 30, 2013

Sep. 30, 2012

Dec. 31, 2012

Dec. 31, 2011

Sep. 30, 2013

Sep. 30, 2012

Jun. 30, 2012

Sep. 30, 2013

Sep. 30, 2012

Dec. 31, 2012

Sep. 30, 2013

Dec. 31, 2012

Sep. 30, 2013

Dec. 31, 2012

Dec. 31, 2012

Dec. 31, 2012

Sep. 30, 2013

Dec. 31, 2012

Sep. 30, 2013

Dec. 31, 2012

Sep. 30, 2013

Dec. 31, 2012

Sep. 30, 2013

Dec. 31, 2012

Sep. 30, 2013

Dec. 31, 2012

Sep. 30, 2013

Dec. 31, 2012

Dec. 31, 2012

Dec. 31, 2012

Sep. 30, 2013

Dec. 31, 2012

Sep. 30, 2013

Dec. 31, 2012

Non-recurring

Non-recurring

Non-recurring

Non-recurring

Non-recurring

Non-recurring

Non-recurring

Non-recurring

Non-recurring

Non-recurring

Real estate construction

Real estate construction

1-4 family residential

1-4 family residential

1-4 family residential

1-4 family residential

Multi-family residential

Multi-family residential

Multi-family residential

Multi-family residential

Non-farm & non-residential

Non-farm & non-residential

Non-farm & non-residential

Non-farm & non-residential

Agricultural

Agricultural

Residential

Residential

Residential

Residential

item

item

item

Carrying Value

Carrying Value

Significant Unobservable Inputs (Level 3)

Significant Unobservable Inputs (Level 3)

Non-recurring

Non-recurring

Non-recurring

Non-recurring

Non-recurring

Non-recurring

Non-recurring

Non-recurring

Non-recurring

Non-recurring

Non-recurring

Non-recurring

Non-recurring

Non-recurring

Non-recurring

Non-recurring

Non-recurring

Non-recurring

Non-recurring

Non-recurring

Carrying Value

Significant Unobservable Inputs (Level 3)

Carrying Value

Carrying Value

Significant Unobservable Inputs (Level 3)

Significant Unobservable Inputs (Level 3)

Carrying Value

Carrying Value

Significant Unobservable Inputs (Level 3)

Significant Unobservable Inputs (Level 3)

Carrying Value

Carrying Value

Significant Unobservable Inputs (Level 3)

Significant Unobservable Inputs (Level 3)

Carrying Value

Significant Unobservable Inputs (Level 3)

Carrying Value

Carrying Value

Significant Unobservable Inputs (Level 3)

Significant Unobservable Inputs (Level 3)

Impaired Loans

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Impaired loans, at fair value

'

'

'

'

'

'

$1,500

'

'

$1,500

'

'

'

'

'

'

$2,535

$2,535

$765

$1,255

$765

$1,255

$212

$164

$212

$164

$482

$2,025

$482

$2,025

$4,839

$4,839

'

'

'

'

Valuation allowance of impaired loans

755

'

755

'

1,458

'

205

'

'

205

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Number of impaired loans

'

'

'

'

'

'

2

'

1

3

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Impaired loans, additional provision for loan losses

250

600

850

1,600

'

'

84

'

'

160

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Increase (decrease) in allowance for specific impaired loans

'

'

'

'

'

'

-92

28

'

-703

-198

503

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Other real estate owned

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Other real estate owned

'

'

'

'

'

'

2,100

'

'

2,100

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

2,156

2,539

2,156

2,539

Outstanding balance of other real estate owned

3,758

6,983

3,758

6,983

4,168

8,296

3,500

'

'

3,500

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Valuation allowance of other real estate owned

1,382

1,337

1,382

1,337

1,668

1,332

1,400

'

'

1,400

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Net write down of other real estate owned

'

'

-79

381

'

'

69

362

'

79

381

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Loan servicing rights

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Loan servicing rights, at fair value

1,273

'

1,273

'

1,152

'

325

'

'

325

'

529

325

529

325

529

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Outstanding balance of loan servicing rights

'

'

'

'

'

'

515

'

'

515

'

743

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Valuation allowance of loan servicing rights

'

'

'

'

'

'

190

'

'

190

'

214

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Recovery (write-down) of loan servicing rights

'

'

'

'

'

'

$89

$69

'

$24

$29

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

FAIR_VALUE_MEASUREMENTS_Detail2

FAIR VALUE MEASUREMENTS (Details 3) (USD $)

Sep. 30, 2013

Dec. 31, 2012

Sep. 30, 2013

Dec. 31, 2012

Sep. 30, 2013

Dec. 31, 2012

Sep. 30, 2013

Sep. 30, 2013

Sep. 30, 2013

Sep. 30, 2013

Dec. 31, 2012

Sep. 30, 2013

Dec. 31, 2012

Sep. 30, 2013

Sep. 30, 2013

Sep. 30, 2013

Sep. 30, 2013

Sep. 30, 2013

Dec. 31, 2012

Sep. 30, 2013

Sep. 30, 2013

Sep. 30, 2013

Sep. 30, 2013

Sep. 30, 2013

Dec. 31, 2012

Sep. 30, 2013

Sep. 30, 2013

Sep. 30, 2013

Sep. 30, 2013

Dec. 31, 2012

Sep. 30, 2013

Dec. 31, 2012

Sep. 30, 2013

Sep. 30, 2013

Sep. 30, 2013

Sep. 30, 2013

Sep. 30, 2013

Sep. 30, 2013

Sep. 30, 2013

In Thousands, unless otherwise specified

Non-recurring

Non-recurring

Non-recurring

Non-recurring

Non-recurring

Non-recurring

Non-recurring

Non-recurring

Non-recurring

Non-recurring

Non-recurring

Non-recurring

Non-recurring

Non-recurring

Non-recurring

Non-recurring

Non-recurring

Non-recurring

Non-recurring

Non-recurring

Non-recurring

Non-recurring

Non-recurring

Non-recurring

Non-recurring

Non-recurring

Non-recurring

Non-recurring

Non-recurring

Non-recurring

Non-recurring

Non-recurring

Non-recurring

Non-recurring

Non-recurring

Non-recurring

Non-recurring

Level 3

Level 3

Discounted cash flow

Minimum

Maximum

Weighted average

Real estate construction

1-4 family residential

1-4 family residential

1-4 family residential

1-4 family residential

1-4 family residential

1-4 family residential

Multi-family residential

Multi-family residential

Multi-family residential

Multi-family residential

Multi-family residential

Multi-family residential

Non-farm & non-residential

Non-farm & non-residential

Non-farm & non-residential

Non-farm & non-residential

Non-farm & non-residential

Non-farm & non-residential

Agricultural

Residential

Residential

Residential

Residential

Residential

Residential

Residential

Residential

Residential

Level 3

Discounted cash flow

Discounted cash flow

Discounted cash flow

Level 3

Level 3

Level 3

Sales comparison

Minimum

Maximum

Weighted average

Level 3

Level 3

Sales comparison

Minimum

Maximum

Weighted average

Level 3

Level 3

Sales comparison

Minimum

Maximum

Weighted average

Level 3

Level 3

Level 3

Sales comparison

Minimum

Minimum

Maximum

Maximum

Weighted average

Weighted average

Level 3

Level 3

Level 3

Level 3

Sales comparison

Sales comparison

Sales comparison

Level 3

Sales comparison

Sales comparison

Sales comparison

Level 3

Sales comparison

Sales comparison

Sales comparison

Level 3

Sales comparison

Income approach

Sales comparison

Income approach

Sales comparison

Income approach

Level 3

Level 3

Level 3

Level 3

Level 3

Level 3

Level 3

Level 3

Level 3

Level 3

Level 3

Level 3

Level 3

Level 3

Level 3

Fair Value Measurements

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Impaired loans, at fair value

'

'

$1,500

'

'

'

'

'

'

'

$2,535

$765

$1,255

$765

'

'

'

$212

$164

$212

'

'

'

$482

$2,025

$482

'

'

'

$4,839

'

'

'

'

'

'

'

'

'

Other real estate owned

'

'

2,100

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

2,156

2,539

2,156

'

'

'

'

'

'

Loan servicing rights

$1,273

$1,152

$325

$529

$325

$529

$325

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

capitalization rate (as a percent)

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

12.00%

'

12.00%

'

12.00%

adjustment for differences between the comparable sales and income data available (as a percent)

'

'

'

'

'

'

'

'

'

'

'

'

'

'

0.00%

99.00%

7.00%

'

'

'

12.00%

32.00%

8.00%

'

'

'

0.00%

100.00%

26.00%

'

'

'

'

0.00%

'

30.00%

'

7.00%

'

constant prepayment rates (as a percent)

'

'

'

'

'

'

'

1.00%

30.00%

12.00%

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

FAIR_VALUE_MEASUREMENTS_Detail3

FAIR VALUE MEASUREMENTS (Details 4) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Financial Assets	'	'
Securities	$210,341	$192,780
Mortgage loans held for sale	912	486
Interest receivable	3,755	3,946
Financial liabilities	'	'
Interest payable	744	610
Quoted Prices In Active Markets for Identical Assets (Level 1)	'	'
Financial Assets	'	'
Cash and cash equivalents	18,667	31,764
Securities	293	305
Financial liabilities	'	'
Deposits	385,356	401,164
Federal Funds Purchased	7,439	'
Significant Other Observable Inputs (Level 2)	'	'
Financial Assets	'	'
Securities	210,048	192,475
Mortgage loans held for sale	917	500
Interest receivable	1,300	1,138
Financial liabilities	'	'
Deposits	190,124	191,732
Securities sold under agreements to repurchase and other borrowings	10,028	4,314
FHLB advances	64,819	18,806
Interest payable	735	601
Significant Unobservable Inputs (Level 3)	'	'
Financial Assets	'	'
Loans, net	459,392	422,920
Interest receivable	2,455	2,808
Financial liabilities	'	'
Subordinated debentures	7,212	7,261
Interest payable	9	9
Carrying Value	'	'
Financial Assets	'	'
Cash and cash equivalents	18,667	31,764
Securities	210,341	192,780
Mortgage loans held for sale	912	486
Loans, net	459,365	423,928
FHLB stock	6,731	6,731
Interest receivable	3,755	3,946
Financial liabilities	'	'
Deposits	573,486	590,425
Securities sold under agreements to repurchase and other borrowings	9,939	4,315
Federal Funds Purchased	7,439	'
FHLB advances	68,579	17,449
Subordinated debentures	7,217	7,217
Interest payable	744	610
Fair Value	'	'
Financial Assets	'	'
Cash and cash equivalents	18,667	31,764
Securities	210,341	192,780
Mortgage loans held for sale	917	500
Loans, net	459,392	422,920
Interest receivable	3,755	3,946
Financial liabilities	'	'
Deposits	575,480	592,896
Securities sold under agreements to repurchase and other borrowings	10,028	4,314
Federal Funds Purchased	7,439	'
FHLB advances	64,819	18,806
Subordinated debentures	7,212	7,261
Interest payable	$744	$610

CHANGES_IN_ACCUMULATED_OTHER_C2

CHANGES IN ACCUMULATED OTHER COMPREHENSIVE INCOME BY COMPONENT (Details) (USD $)	Sep. 30, 2013	Dec. 31, 2012	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
In Thousands, unless otherwise specified			Unrealized Gains and Losses on Available for Sale Securities	Unrealized Gains and Losses on Available for Sale Securities	Unrealized Gains and Losses on Available for Sale Securities	Unrealized Gains and Losses on Available for Sale Securities
Changes in accumulated other comprehensive income by component	'	'	'	'	'	'
Beginning Balance	($3,248)	$4,283	($1,693)	$5,047	$4,283	$3,770
Unrealized holding gains (losses) for the period, net of tax	'	'	-1,555	649	-7,020	2,104
Reclassification adjustment for:	'	'	'	'	'	'
Securities gains realized in income	'	'	'	-616	-774	-887
Income taxes	'	'	'	-209	-263	-302
Reclassification adjustment for securities gains realized in income	'	'	'	-407	-511	-585
Net current period other comprehensive income	'	'	-1,555	242	-7,531	1,519
Ending balance	($3,248)	$4,283	($3,248)	$5,289	($3,248)	$5,289