Macatawa Bank (MCBC) 10-K 20 Feb 14 2013 FY Annual report Financial data

Document_and_Entity_Informatio

Document and Entity Information (USD $)	12 Months Ended
	Dec. 31, 2013	Feb. 19, 2014	Jun. 30, 2013
Document and Entity Information [Abstract]	'	'	'
Entity Registrant Name	'MACATAWA BANK CORP	'	'
Entity Central Index Key	'0001053584	'	'
Current Fiscal Year End Date	'--12-31	'	'
Entity Well-known Seasoned Issuer	'No	'	'
Entity Voluntary Filers	'No	'	'
Entity Current Reporting Status	'Yes	'	'
Entity Filer Category	'Accelerated Filer	'	'
Entity Public Float	'	'	$126,140,954
Entity Common Stock, Shares Outstanding	'	33,788,431	'
Document Fiscal Year Focus	'2013	'	'
Document Fiscal Period Focus	'FY	'	'
Document Type	'10-K	'	'
Amendment Flag	'false	'	'
Document Period End Date	31-Dec-13	'	'

CONSOLIDATED_BALANCE_SHEETS

CONSOLIDATED BALANCE SHEETS (USD $)	Dec. 31, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
ASSETS	'	'
Cash and due from banks	$38,714	$33,556
Federal funds sold and other short -term investments	118,178	192,802
Cash and cash equivalents	156,892	226,358
Interest-bearing time deposits in other financial institutions	25,000	0
Securities available for sale, at fair value	139,659	123,497
Securities held to maturity (fair value 2013 - $19,278 and 2012 - $4,301)	19,248	4,300
Federal Home Loan Bank (FHLB) stock	11,236	11,236
Loans held for sale, at fair value	1,915	8,130
Total loans	1,042,377	1,052,348
Allowance for loan losses	-20,798	-23,739
Net loans	1,021,579	1,028,609
Premises and equipment - net	53,641	53,576
Accrued interest receivable	3,231	3,411
Bank-owned life insurance	27,517	26,804
Other real estate owned	36,796	51,582
Net deferred tax asset	16,200	18,780
Other assets	4,491	4,435
Total assets	1,517,405	1,560,718
Deposits	'	'
Noninterest-bearing	344,550	339,520
Interest-bearing	905,184	946,741
Total deposits	1,249,734	1,286,261
Other borrowed funds	89,991	91,822
Long-term debt	41,238	41,238
Subordinated debt	0	1,650
Accrued expenses and other liabilities	3,920	9,240
Total liabilities	1,384,883	1,430,211
Commitments and contingent liabilities	'	'
Preferred stock, no par value, 500,000 shares authorized;	'	'
Common stock, no par value, 200,000,000 shares authorized; 33,801,097 shares issued and outstanding at December 31, 2013 and 27,203,825 shares issued and outstanding at December 31, 2012	216,263	187,718
Retained deficit	-81,786	-91,335
Accumulated other comprehensive income (loss)	-1,955	960
Total shareholders' equity	132,522	130,507
Total liabilities and shareholders' equity	1,517,405	1,560,718
Series A Noncumulative Convertible Preferred Stock [Member]	'	'
Preferred stock, no par value, 500,000 shares authorized;	'	'
Preferred stock	0	30,604
Series B Noncumulative Convertible Preferred Stock [Member]	'	'
Preferred stock, no par value, 500,000 shares authorized;	'	'
Preferred stock	$0	$2,560

CONSOLIDATED_BALANCE_SHEETS_Pa

CONSOLIDATED BALANCE SHEETS (Parenthetical) (USD $)	Dec. 31, 2013	Dec. 31, 2012
In Thousands, except Share data, unless otherwise specified
ASSETS	'	'
Securities held to maturity fair value	$19,278	$4,301
Shareholders' equity	'	'
Preferred stock, par value (in dollars per share)	$0	$0
Preferred stock, shares authorized (in shares)	500,000	500,000
Common stock, par value (in dollars per share)	$0	$0
Common stock, shares authorized (in shares)	200,000,000	200,000,000
Common stock, shares issued (in shares)	33,801,097	27,203,825
Common stock, shares outstanding (in shares)	33,801,097	27,203,825
Series A Noncumulative Convertible Preferred Stock [Member]	'	'
Shareholders' equity	'	'
Preferred stock, liquidation value (in dollars per share)	$0	$1,000
Preferred stock, shares issued (in shares)	0	31,290
Preferred stock, shares outstanding (in shares)	0	31,290
Series B Noncumulative Convertible Preferred Stock [Member]	'	'
Shareholders' equity	'	'
Preferred stock, liquidation value (in dollars per share)	$0	$1,000
Preferred stock, shares issued (in shares)	0	2,600
Preferred stock, shares outstanding (in shares)	0	2,600

CONSOLIDATED_STATEMENTS_OF_INC

CONSOLIDATED STATEMENTS OF INCOME (USD $)	12 Months Ended
In Thousands, except Per Share data, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Interest income	'	'	'
Loans, including fees	$45,201	$54,549	$59,334
Securities	'	'	'
Taxable	1,798	1,544	497
Tax-exempt	742	330	38
FHLB Stock	393	351	294
Federal funds sold and other short-term investments	486	502	616
Total interest income	48,620	57,276	60,779
Interest expense	'	'	'
Deposits	3,993	5,721	9,273
Other borrowings	1,781	2,374	3,609
Subordinated and long-term debt	1,563	1,719	1,598
Total interest expense	7,337	9,814	14,480
Net interest income	41,283	47,462	46,299
Provision for loan losses	-4,250	-7,100	-4,700
Net interest income after provision for loan losses	45,533	54,562	50,999
Noninterest income	'	'	'
Service charges and fees	3,963	3,323	3,692
Net gains on mortgage loans	2,554	2,882	1,728
Trust fees	2,413	2,389	2,543
ATM and debit card fees	4,325	4,130	3,963
Gain on sale of securities	120	73	0
Other	2,766	2,831	2,966
Total noninterest income	16,141	15,628	14,892
Noninterest expense	'	'	'
Salaries and benefits	23,012	22,986	22,217
Occupancy of premises	3,756	3,815	3,949
Furniture and equipment	3,224	3,259	3,318
Legal and professional	680	664	971
Marketing and promotion	870	929	834
Data processing	1,351	1,268	1,284
FDIC assessment	1,458	2,196	3,472
ATM and debit card processing	1,300	1,222	1,206
Bond and D&O Insurance	740	909	1,512
FHLB Advance prepayment penalty	0	322	0
Losses on repossessed and foreclosed properties	1,825	5,295	8,371
Administration and disposition of problem assets	3,699	4,665	7,230
Other	5,940	5,753	5,698
Total noninterest expenses	47,855	53,283	60,062
Income before income tax	13,819	16,907	5,829
Income tax expense (benefit)	4,270	-18,583	0
Net income	9,549	35,490	5,829
Effect of induced exchange of preferred stock	17,575	0	0
Net income (loss) available to common shares	($8,026)	$35,490	$5,829
Basic earnings (loss) per common share (in dollars per share)	($0.29)	$1.31	$0.26
Diluted earnings (loss) per common share (in dollars per share)	($0.29)	$1.31	$0.26
Cash dividends per common share (in dollars per share)	$0	$0	$0

CONSOLIDATED_STATEMENTS_OF_COM

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME [Abstract]	'	'	'
Net income	$9,549	$35,490	$5,829
Unrealized gains (losses):	'	'	'
Net change in unrealized gains (losses) on securities available for sale	-4,365	968	565
Tax effect	1,528	-339	-198
Net change in unrealized gains (losses) on securities available for sale, net of tax	-2,837	629	367
Less: reclassification adjustments:	'	'	'
Reclassification for gains included in net income	120	73	0
Tax effect	-42	-26	0
Reclassification for gains included in net income, net of tax	78	47	0
Other comprehensive income (loss), net of tax	-2,915	582	367
Comprehensive income	$6,634	$36,072	$6,196

CONSOLIDATED_STATEMENTS_OF_CHA

CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY (USD $)	Preferred Stock [Member]	Preferred Stock [Member]	Common Stock [Member]	Retained Earnings (Deficit) [Member]	Accumulated Other Comprehensive Income (Loss) [Member]	Total
	Series A Preferred Stock [Member]	Series B Preferred Stock [Member]
Balance at Dec. 31, 2010	$30,604,000	$2,560,000	$167,321,000	($132,654,000)	$11,000	$67,842,000
Net income	'	'	'	5,829,000	'	5,829,000
Net change in unrealized gain (loss) on securities available for sale, net of tax	'	'	'	'	367,000	367,000
Net proceeds from sale of 8,912,372 shares of common stock on June 7, 2011 and June 29, 2011	'	'	19,319,000	'	'	19,319,000
Conversion of subordinated note to 491,830 shares of common stock on June 29, 2011	'	'	1,003,000	'	'	1,003,000
Preferred stock exchange [Abstract]	'	'	'	'	'	'
Stock compensation expense	'	'	66,000	'	'	66,000
Balance at Dec. 31, 2011	30,604,000	2,560,000	187,709,000	-126,825,000	378,000	94,426,000
Net income	'	'	'	35,490,000	'	35,490,000
Net change in unrealized gain (loss) on securities available for sale, net of tax	'	'	'	'	582,000	582,000
Net proceeds from sale of 8,912,372 shares of common stock on June 7, 2011 and June 29, 2011	'	'	'	'	'	0
Conversion of subordinated note to 491,830 shares of common stock on June 29, 2011	'	'	'	'	'	0
Preferred stock exchange [Abstract]	'	'	'	'	'	'
Stock compensation expense	'	'	9,000	'	'	9,000
Balance at Dec. 31, 2012	30,604,000	2,560,000	187,718,000	-91,335,000	960,000	130,507,000
Net income	'	'	'	9,549,000	'	9,549,000
Net change in unrealized gain (loss) on securities available for sale, net of tax	'	'	'	'	-2,915,000	-2,915,000
Net proceeds from sale of 8,912,372 shares of common stock on June 7, 2011 and June 29, 2011	'	'	'	'	'	0
Conversion of subordinated note to 491,830 shares of common stock on June 29, 2011	'	'	'	'	'	0
Conversion of 300 shares of Preferred Stock Series B to 50,000 shares of common stock	'	-300,000	300,000	'	'	0
Preferred stock exchange [Abstract]	'	'	'	'	'	'
Exchange of 31,290 shares of Preferred Stock Series A to 5,973,519 shares of common stock	-30,604,000	'	30,604,000	'	'	0
Exchange of 2,300 shares of Preferred Stock Series B to 457,159 shares of common stock	'	-2,260,000	2,260,000	'	'	0
Cash portion of exchange consideration, including exchange-related expenses	'	'	-4,734,000	'	'	-4,734,000
Repurchase of shares for taxes withheld on vested restricted stock	'	'	-45,000	'	'	-45,000
Stock compensation expense	'	'	160,000	'	'	160,000
Balance at Dec. 31, 2013	$0	$0	$216,263,000	($81,786,000)	($1,955,000)	$132,522,000

CONSOLIDATED_STATEMENTS_OF_CHA1

CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY (Parenthetical)	Jun. 29, 2011	Jun. 07, 2011	Dec. 31, 2013
			Common Stock [Member]
Net proceeds from sale of common stock (in shares)	8,912,372	8,912,372	'
Conversion of subordinated note to common stock (in shares)	491,830	'	'
Conversion of Preferred Stock Series B to common stock (in shares)	'	'	50,000
Preferred stock exchange of Preferred Stock Series A to shares of common stock (in shares)	'	'	5,973,519
Preferred stock exchange of Preferred Stock Series B to shares of common stock (in shares)	'	'	457,159
Number of shares repurchase for taxes withheld on vested restricted stock (in shares)	'	'	8,906

CONSOLIDATED_STATEMENTS_OF_CAS

CONSOLIDATED STATEMENTS OF CASH FLOWS (USD $)	12 Months Ended
	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Cash flows from operating activities	'	'	'
Net income	$9,549,000	$35,490,000	$5,829,000
Adjustments to reconcile net income to net cash from operating activities:	'	'	'
Depreciation and amortization	3,067,000	2,970,000	3,117,000
Stock compensation expense	160,000	9,000	66,000
Provision for loan losses	-4,250,000	-7,100,000	-4,700,000
Origination of loans for sale	-107,988,000	-140,151,000	-84,470,000
Proceeds from sales of loans originated for sale	116,757,000	135,929,000	87,709,000
Net gains on mortgage loans	-2,554,000	-2,882,000	-1,728,000
Gain on sale of securities	-120,000	-73,000	0
Write-down of other real estate	2,922,000	5,236,000	9,879,000
Net (gain) loss on sales of other real estate	-1,098,000	59,000	-1,515,000
Loss on disposal of fixed assets	0	89,000	0
Decrease (increase) in net deferred tax asset	4,150,000	-18,858,000	0
FHLB Advance prepayment penalty	0	322,000	0
Decrease (increase) in accrued interest receivable and other assets	124,000	2,149,000	-1,980,000
Earnings in bank-owned life insurance	-713,000	-847,000	-943,000
Increase (decrease) in accrued expenses and other liabilities	-3,694,000	1,153,000	889,000
Net cash from operating activities	16,312,000	13,495,000	12,153,000
Cash flows from investing activities	'	'	'
Loan originations and payments, net	7,741,000	8,657,000	96,778,000
Change in interest-bearing deposits in other financial institutions	-25,000,000	0	0
Purchases of securities available for sale	-42,594,000	-115,248,000	-72,944,000
Purchases of securities held to maturity	-19,732,000	-4,000,000	-300,000
Proceeds from:	'	'	'
Maturities and calls of securities available for sale	13,159,000	40,042,000	27,495,000
Sales of securities available for sale	5,241,000	4,595,000	0
Principal paydowns on securities	6,100,000	3,884,000	273,000
Redemption of FHLB stock	0	0	696,000
Sales of other real estate	16,501,000	18,729,000	21,540,000
Additions to premises and equipment	-2,407,000	-707,000	-1,031,000
Net cash from investing activities	-40,991,000	-44,048,000	72,507,000
Cash flows from financing activities	'	'	'
Change in in-market deposits	-36,527,000	70,972,000	-13,159,000
Decrease in brokered deposits	0	0	-48,172,000
Proceeds from other borrowed funds	0	0	10,000,000
Proceeds from issuance of subordinated note	0	0	1,000,000
Repayments of other borrowed funds	-3,481,000	-57,103,000	-46,733,000
Repurchase shares for taxes withheld on vested restricted stock	-45,000	0	0
Cash paid in preferred stock exchange	-4,734,000	0	0
Proceeds from sale of common stock, net	0	0	19,319,000
Net cash from financing activities	-44,787,000	13,869,000	-77,745,000
Net change in cash and cash equivalents	-69,466,000	-16,684,000	6,915,000
Beginning cash and cash equivalents	226,358,000	243,042,000	236,127,000
Ending cash and cash equivalents	156,892,000	226,358,000	243,042,000
Supplemental cash flow information	'	'	'
Interest paid	11,886,000	8,473,000	13,364,000
Income taxes paid	120,000	275,000	0
Supplemental noncash disclosures:	'	'	'
Transfers from loans to other real estate	3,539,000	9,168,000	38,358,000
Securities settlement	1,626,000	1,626,000	0
Conversion of subordinated note to 491,830 shares of common stock	0	0	1,003,000
Conversion of 300 shares of Preferred Stock Series B to 50,000 shares of common stock	300,000	0	0
Exchange of 31,290 shares of Preferred Stock Series A to 5,973,519 shares of common stock	30,604,000	0	0
Exchange of 2,300 shares of Preferred Stock Series B to 457,159 shares of common stock	$2,260,000	$0	$0

CONSOLIDATED_STATEMENTS_OF_CAS1

CONSOLIDATED STATEMENTS OF CASH FLOWS (Parenthetical)	Jun. 29, 2011	Dec. 31, 2013	Dec. 31, 2013
		Preferred Stock [Member]	Preferred Stock [Member]
		Series A Preferred Stock [Member]	Series B Preferred Stock [Member]
Supplemental noncash disclosures:	'	'	'
Conversion of subordinated note to Common stock (in shares)	491,830	'	'
Conversion of Preferred Stock Series B to common stock (in shares)	'	'	300
Preferred stock exchange of Preferred Stock Series A to shares of common stock (in shares)	'	31,290	'
Preferred stock exchange of Preferred Stock Series B to shares of common stock (in shares)	'	'	2,300

SUMMARY_OF_SIGNIFICANT_ACCOUNT

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	12 Months Ended
	Dec. 31, 2013
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]	'
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	'
	NOTE 1 – SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
	Nature of Operations and Principles of Consolidation: The accompanying consolidated financial statements include the accounts of Macatawa Bank Corporation ("Macatawa" or the "Company") and its wholly-owned subsidiary, Macatawa Bank (the "Bank").  All significant intercompany accounts and transactions have been eliminated in consolidation.
	Macatawa Bank is a Michigan chartered bank with depository accounts insured by the Federal Deposit Insurance Corporation. The Bank operates 26 full service branch offices providing a full range of commercial and consumer banking and trust services in Kent County, Ottawa County, and northern Allegan County, Michigan.
	The Company owns all of the common securities of Macatawa Statutory Trust I and Macatawa Statutory Trust II.  These are grantor trusts that issued trust preferred securities and are discussed in a separate note.  Under generally accepted accounting principles, these trusts are not consolidated into the financial statements of the Company.
	Regulatory Developments:
	On April 12, 2013, the Federal Deposit Insurance Corporation (“FDIC”) and the Michigan Department of Insurance and Financial Services (“DIFS”), the primary banking regulators of the Bank, notified the Bank that the Bank’s Memorandum of Understanding (“MOU”) with the FDIC and DIFS had served its purpose and was released.  As a result, the Bank is no longer subject to any regulatory order, memorandum of understanding or other similar regulatory directive or proceeding and has returned to a normal regulatory operating environment.
	In connection with the termination of the Company’s Written Agreement by the Federal Reserve Bank of Chicago (“FRB”) on October 26, 2012, the Board of Directors of the Company adopted a resolution (the “Board Resolution”) requiring the Company to obtain written approval from the FRB before declaring or paying any dividends, increasing holding company debt, or redeeming any capital stock.  By letter dated August 1, 2013, the FRB advised the Company that, based on the overall satisfactory condition of the organization, the FRB poses no objection should the Board of Directors choose to rescind the Board Resolution. Accordingly, the Company's Board of Directors rescinded the Board Resolution as of August 1, 2013.
	Use of Estimates:  To prepare financial statements in conformity with accounting principles generally accepted in the United States of America, management makes estimates and assumptions based on available information.  These estimates and assumptions affect the amounts reported in the financial statements and the disclosures provided, and future results could differ.  The allowance for loan losses, valuation of deferred tax assets, loss contingencies, fair value of other real estate owned and fair values of financial instruments are particularly subject to change.
	Concentration of Credit Risk:  Loans are granted to, and deposits are obtained from, customers primarily in the western Michigan area as described above.  Substantially all loans are secured by specific items of collateral, including residential real estate, commercial real estate, commercial assets and consumer assets.  Commercial real estate loans are the largest concentration, comprising 45% of total loans.  Commercial and industrial loans total 26%, while residential real estate and consumer loans make up the remaining 28%.  Other financial instruments, which potentially subject the Company to concentrations of credit risk, include deposit accounts in other financial institutions.
	Cash Flow Reporting:  Cash and cash equivalents include cash on hand, demand deposits with other financial institutions and short-term securities (securities with maturities equal to or less than 90 days and federal funds sold).  Cash flows are reported net for customer loan and deposit transactions, interest-bearing time deposits with other financial institutions and short-term borrowings with maturities of 90 days or less.
	Securities:  Securities are classified as held to maturity and carried at amortized cost when management has the positive intent and ability to hold them to maturity.  Securities available for sale consist of those securities which might be sold prior to maturity due to changes in interest rates, prepayment risks, yield and availability of alternative investments, liquidity needs or other factors.  Securities classified as available for sale are reported at their fair value and the related unrealized holding gain or loss is reported in other comprehensive income, net of tax.
	Interest income includes amortization of purchase premium or discount.  Premiums and discounts on securities are amortized on the level yield method without anticipating prepayments.  Gains and losses on sales are based on the amortized cost of the security sold.
	Management evaluates securities for other-than-temporary impairment ("OTTI") at least on a quarterly basis, and more frequently when economic or market conditions warrant such an evaluation.  Investment securities classified as available for sale or held-to-maturity are generally evaluated for OTTI under ASC Topic 320, Investments — Debt and Equity Instruments.
	In determining OTTI, management considers many factors, including: (1) the length of time and the extent to which the fair value has been less than cost, (2) the financial condition and near-term prospects of the issuer, (3) whether the market decline was affected by macroeconomic conditions, and (4) whether the entity has the intent to sell the debt security or more likely than not will be required to sell the debt security before its anticipated recovery. The assessment of whether an other-than-temporary decline exists involves a high degree of subjectivity and judgment and is based on the information available to management at a point in time. Management has determined that no OTTI charges were necessary during 2013, 2012 and 2011.
	Federal Home Loan Bank (FHLB) Stock:  The Bank is a member of the FHLB system.  Members are required to own a certain amount of stock based on the level of borrowings and other factors, and may invest in additional amounts.  FHLB stock is carried at cost, classified as a restricted security, and periodically evaluated for impairment.  Because this stock is viewed as a long term investment, impairment is based on ultimate recovery of par value.  Management has determined that there is no impairment of FHLB stock.  Both cash and stock dividends are reported as income.
	Loans Held for Sale:  Mortgage loans originated and intended for sale in the secondary market are carried at fair value, as determined by outstanding commitments from investors.  As of December 31, 2013 and 2012, these loans had a net unrealized gain of $42,000 and $195,000, respectively, which are reflected in their carrying value.  Changes in fair value of loans held for sale are included in net gains on mortgage loans.  Loans are sold servicing released; therefore no mortgage servicing right assets are established.
	Loans:  Loans that management has the intent and ability to hold for the foreseeable future or until maturity or payoff are reported at the principal balance outstanding, net of unearned interest, deferred loan fees and costs and an allowance for loan losses.
	Interest income is accrued on the unpaid principal balance.  Loan origination fees, net of certain direct origination costs, are deferred and recognized in interest income over the respective term of the loan using the level‑yield method without anticipating prepayments.
	Interest income on mortgage and commercial loans is discontinued at the time the loan is 90 days delinquent unless the loan is well-secured and in process of collection.  Consumer loans are typically charged off no later than 120 days past due.  Past due status is based on the contractual terms of the loan.  In all cases, loans are placed on nonaccrual or charged-off at an earlier date if collection of principal or interest is considered doubtful.  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.
	All interest accrued but not received for loans placed on nonaccrual is reversed against interest income.  Interest received on such loans is accounted for on the cash-basis or cost‑recovery method, until qualifying for return to accrual.  Loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured.
	Allowance for Loan Losses:  The allowance for loan losses is a valuation allowance for probable incurred credit losses, increased by the provision for loan losses and recoveries, and decreased by charge-offs of loans.  Management believed the estimated allowance for loan losses to be adequate based on known and inherent risks in the portfolio, past loan loss experience, information about specific borrower situations and estimated collateral values, economic conditions and other factors.  Allocations of the allowance may be made for specific loans, but the entire allowance is available for any loan that, in management’s judgment, should be charged-off.  Loan losses are charged against the allowance when management believes the uncollectibility of a loan balance is confirmed.
	The allowance consists of specific and general components.  The specific component relates to loans that are individually classified as impaired.  The general component covers non-classified loans and is based on historical loss experience adjusted for current qualitative environmental factors.  The Company maintains a loss migration analysis that tracks loan losses and recoveries based on loan class as well as the loan risk grade assignment for commercial loans.  At December 31, 2013, an 18 month (six quarter) annualized historical loss experience was used for commercial loans and a 12 month (four quarter) historical loss experience period was applied to residential mortgage and consumer loan portfolios.  These historical loss percentages are adjusted (both upwards and downwards) for certain qualitative environmental factors, including economic trends, credit quality trends, valuation trends, concentration risk, quality of loan review, changes in personnel, external factors and other considerations.
	A loan is impaired when, based on current information and events, it is believed to be probable that the Company will be unable to collect all amounts due according to the contractual terms of the loan agreement.  Loans for which the terms have been modified and for which the borrower is experiencing financial difficulties, are considered troubled debt restructurings and classified as impaired.
	Commercial and commercial real estate loans with relationship balances exceeding $500,000 and an internal risk grading of 6 or worse are evaluated for impairment.  If a loan is impaired, a portion of the allowance is allocated so that the loan is reported, net, at the present value of estimated future cash flows using the loan’s existing interest rate or at the fair value of collateral, less estimated costs to sell, if repayment is expected solely from the collateral.  Large groups of smaller balance homogeneous loans, such as consumer and residential real estate loans are collectively evaluated for impairment and, accordingly, they are not separately identified for impairment disclosures.
	Troubled debt restructurings are also considered impaired with impairment generally measured at the present value of estimated future cash flows using the loan’s effective rate at inception or using the fair value of collateral, less estimated costs to sell, if repayment is expected solely from the collateral.
	Transfers of Financial Assets:  Transfers of financial assets are accounted for as sales, when control over the assets has been relinquished.  Control over transferred assets is deemed to be surrendered when the assets have been isolated from the Company, the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets, and the Company does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity.
	Foreclosed Assets:  Assets acquired through or instead of loan foreclosure, primarily other real estate owned, are initially recorded at fair value less estimated costs to sell when acquired, establishing a new cost basis.  If fair value declines, a valuation allowance is recorded through expense.  Costs after acquisition are expensed unless they add value to the property.
	Premises and Equipment:  Land is carried at cost.  Premises and equipment are stated at cost less accumulated depreciation.  Buildings and related components are depreciated using the straight‑line method with useful lives ranging from 5 to 40 years.  Furniture, fixtures and equipment are depreciated using the straight-line method with useful lives ranging from 3 to 15 years.  Maintenance, repairs and minor alterations are charged to current operations as expenditures occur and major improvements are capitalized.
	Bank-Owned Life Insurance (BOLI):  The Bank has purchased life insurance policies on certain officers. Bank-owned life insurance is recorded at its currently realizable cash surrender value.  Changes in cash surrender value are recorded in other income.
	Goodwill and Acquired Intangible Assets:  Goodwill resulting from business combinations represents the excess of the purchase price over the fair value of the net assets of businesses acquired.  Goodwill and intangible assets acquired in a purchase business combination and determined to have an indefinite useful life are not amortized, but tested for impairment at least annually.  Intangible assets with definite useful lives are amortized over their estimated useful lives to their estimated residual values.  The Company had no goodwill at December 31, 2013 and 2012.
	Acquired intangible assets consist of core deposit and customer relationship intangible assets arising from acquisitions.  They are initially measured at fair value and then are amortized on an accelerated method over their estimated useful lives, which range from ten to sixteen years.  The Company had a core deposit intangible asset with a balance of $64,000 at December 31, 2011 which was fully amortized at December 31, 2013 and 2012.
	Long-term Assets:  Premises and equipment and other long-term assets are reviewed for impairment when events indicate their carrying amount may not be recoverable from future undiscounted cash flows.  If impaired, the assets are recorded at fair value.
	Loan Commitments and Related Financial Instruments:  Financial instruments include off-balance sheet credit instruments, such as commitments to make loans and commercial letters of credit, issued to meet customer financing needs.  The face amount for these items represents the exposure to loss, before considering customer collateral or ability to repay.  Such financial instruments are recorded when they are funded.
	Mortgage Banking Derivatives:  Commitments to fund mortgage loans (interest rate locks) to be sold into the secondary market and forward commitments for the future delivery of these mortgage loans are accounted for as derivatives not qualifying for hedge accounting.  Fair values of these mortgage derivatives are estimated based on changes in mortgage interest rates from the date the interest on the loan is locked.  At times, the Company enters into forward commitments for the future delivery of mortgage loans when interest rate locks are entered into, in order to hedge the change in interest rates resulting from its commitments to fund the loans.
	Changes in the fair values of these interest rate lock and forward commitment derivatives are included in net gains on mortgage loans.  The net fair value of mortgage banking derivatives was approximately $51,000 and $15,000 at December 31, 2013 and 2012, respectively.
	Derivatives:  Certain of our commercial loan customers have entered into interest rate swap agreements directly with the Bank.  At the same time the Bank enters into a swap agreement with its customer, the Bank enters into a corresponding interest rate swap agreement with a correspondent bank at terms mirroring the Bank’s interest rate swap with its commercial loan customer.   This is known as a back-to-back swap agreement.  Under this arrangement the Bank has two freestanding interest rate swaps, both of which are carried at fair value.  As the terms mirror each other, there is no income statement impact to the Bank.  At December 31, 2013, the total notional amount of such agreements was $20.0 million and resulted in a derivative asset with a fair value of $94,000 which was included in other assets and a derivative liability of $94,000 which was included in other liabilities.
	Income Taxes:  Income tax expense is the sum of the current year income tax due or refundable and the change in deferred tax assets and liabilities.  Deferred tax assets and liabilities are the expected future tax consequences of temporary differences between the carrying amounts and tax bases of assets and liabilities, computed using enacted tax rates.  A valuation allowance, if needed, reduces deferred tax assets to the amount expected to be realized.
	The Company recognizes a tax position as a benefit only if it is "more likely than not" that the tax position would be sustained in a tax examination, with a tax examination being presumed to occur.  The amount recognized is the largest amount of tax benefit that is greater than 50% likely of being realized on examination.  For tax positions not meeting the "more likely than not" test, no tax benefit is recorded.
	The Company recognizes interest and/or penalties related to income tax matters in income tax expense.
	Earnings Per Common Share:  Basic earnings per common share is net income divided by the weighted average number of common shares outstanding during the period.  All outstanding unvested restricted stock awards that contain rights to nonforfeitable dividends are considered participating securities for this calculation.  Diluted earnings per common share includes the dilutive effect of additional potential common shares issuable under stock options and the conversion of the Company’s convertible preferred stock (for periods before the fourth quarter of 2013 when the convertible preferred stock was exchanged for common stock).   In the event of a net loss, our unvested restricted stock awards are excluded from both basic and diluted earnings per share.
	Comprehensive Income (Loss):  Comprehensive income (loss) consists of net income and other comprehensive income (loss).  Other comprehensive income (loss) includes unrealized gains and losses on securities available for sale.
	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.
	Restrictions on Cash:  Cash on hand or on deposit with the Federal Reserve Bank of $4,417,000 and $4,534,000 at December 31, 2013 and 2012, respectively, was required to meet regulatory reserve and clearing requirements.
	Stock Splits and Dividends:  Stock dividends in excess of 20% are reported by transferring the par value of the stock issued from retained earnings to common stock.  Stock dividends for 20% or less are reported by transferring the fair value, as of the ex‑dividend date, of the stock issued from retained earnings to common stock and additional paid‑in capital.  Fractional share amounts are paid in cash with a reduction in retained earnings. All share and per share amounts are retroactively adjusted for stock splits and dividends.
	Dividend Restriction:  Banking regulations require maintaining certain capital levels and impose limitations on dividends paid by the Bank to the Company and by the Company to shareholders.
	Fair Values of Financial Instruments:  Fair values of financial instruments are estimated using relevant market information and other assumptions, as more fully disclosed separately.  Fair value estimates involve uncertainties and matters of significant judgment regarding interest rates, credit risk, prepayments and other factors, especially in the absence of broad markets for particular items.  Changes in assumptions or in market conditions could significantly affect the estimates.  The fair value estimates of existing on-and off-balance sheet financial instruments do not include the value of anticipated future business or the values of assets and liabilities not considered financial instruments.
	Segment Reporting:  The Company, through the branch network of the Bank, provides a broad range of financial services to individuals and companies in western Michigan.  These services include demand, time and savings deposits; lending; ATM and debit card processing; cash management; and trust and brokerage services.  While the Company’s management team monitors the revenue streams of the various Company products and services, operations are managed and financial performance is evaluated on a Company-wide basis.  Accordingly, all of the Company’s banking operations are considered by management to be aggregated in one operating segment – commercial banking.
	Reclassifications:  Some items in the prior year financial statements were reclassified to conform to the current presentation.
	Adoption of New Accounting Standards: The Financial Accounting Standards Board (“FASB”) has issued ASU 2013-02, Comprehensive Income (Topic 220): Reporting of Amounts Reclassified Out of Accumulated Other Comprehensive Income.  This ASU is intended to improve the reporting of reclassifications out of accumulated other comprehensive income.  The ASU requires an entity to report, either on the face of the statement where net income is presented or in the notes to the financial statements, the effect of significant reclassifications out of accumulated other comprehensive income on the respective line items in net income if the amount being reclassified is required under U.S. GAAP to be reclassified in their entirety to net income.  For other amounts that are not required under U.S. GAAP to be reclassified in their entirety to net income in the same reporting period, an entity is required to cross-reference other disclosures required under U.S. GAAP that provide additional detail about those amounts.  The amendments in this ASU apply to all entities that issue financial statements that are presented in conformity with U.S. GAAP and that report items of other comprehensive income.  For public entities, the amendments in this ASU are effective prospectively for reporting periods beginning after December 15, 2012.  The Company adopted this ASU on January 1, 2013 by including the required disclosures in Note 2 to the consolidated financial statements.
	Newly Issued Not Yet Effective Standards:  FASB has issued Accounting Standards Update (ASU) No. 2014-04, Receivables - Troubled Debt Restructurings by Creditors (Subtopic 310-40) - Reclassification of Residential Real Estate Collateralized Consumer Mortgage Loans upon Foreclosure. The amendments are intended to clarify when a creditor should be considered to have received physical possession of residential real estate property collateralizing a consumer mortgage loan such that the loan should be derecognized and the real estate recognized.  These amendments clarify that an in substance repossession or foreclosure occurs, and a creditor is considered to have received physical possession of residential real estate property collateralizing a consumer mortgage loan, upon either: (a) the creditor obtaining legal title to the residential real estate property upon completion of a foreclosure; or (b) the borrower conveying all interest in the residential real estate property to the creditor to satisfy that loan through completion of a deed in lieu of foreclosure or through a similar legal agreement. Additional disclosures are required.  The amendments are effective for  annual periods and interim periods within those annual periods beginning after December 15, 2014. The impact of adoption of this ASU by the Company is not expected to be material.

SECURITIES

SECURITIES	12 Months Ended
	Dec. 31, 2013
SECURITIES [Abstract]	'
SECURITIES	'
	NOTE 2 – SECURITIES
	The amortized cost and fair value of securities at year-end were as follows (dollars in thousands):
						Gross				Gross
			Amortized			Unrealized				Unrealized				Fair
			Cost			Gains				Losses				Value
	2013
	Available for Sale:
	U.S. Treasury and federal agency securities		$	55,701		$	92			$	(1,354	)		$	54,439
	U.S. Agency MBS and CMOs			20,029			9				(673	)			19,365
	Tax-exempt state and municipal bonds			27,920			47				(1,118	)			26,849
	Taxable state and municipal bonds			26,306			307				(285	)			26,328
	Corporate bonds and other debt securities			11,211			64				(63	)			11,212
	Other equity securities			1,500			---				(34	)			1,466
			$	142,667		$	519			$	(3,527	)		$	139,659
	Held to Maturity
	State and municipal bonds		$	19,248		$	46			$	(16	)		$	19,278
	2012
	Available for Sale:
	U.S. Treasury and federal agency securities		$	42,245		$	340			$	(21	)		$	42,564
	U. S. Agency MBS and CMOs			23,495			272				(6	)			23,761
	Tax-exempt state and municipal bonds			20,598			244				(49	)			20,793
	Taxable state and municipal bonds			26,726			619				(49	)			27,296
	Corporate bonds			7,456			77				(7	)			7,526
	Other equity securities			1,500			57				---				1,557
			$	122,020		$	1,609			$	(132	)		$	123,497
	Held to Maturity:
	State and municipal bonds		$	4,300		$	1			$	---			$	4,301
	Proceeds from the sale of securities available for sale were $5.2 million and $4.6 million, respectively, for the years ended December 31, 2013 and 2012, resulting in net gains on sale of $120,000 and $73,000, respectively, as reported in the consolidated statements of income.  This resulted in reclassifications of $120,000 ($78,000 net of tax) and $73,000 ($47,000 net of tax) respectively, from accumulated other comprehensive income to gain on sale of securities in the consolidated statements of income in years ended December 31, 2013 and 2012.  There were no sales of securities in 2011.
	Contractual maturities of debt securities at December 31, 2013 were as follows (dollars in thousands):
		Held–to-Maturity Securities							Available-for-Sale Securities
		Amortized			Fair				Amortized				Fair
		Cost			Value				Cost				Value
	Due in one year or less		$	12,655		$	12,676			$	7,891			$	7,956
	Due from one to five years			625			624				57,365				57,312
	Due from five to ten years			5,688			5,693				49,436				47,600
	Due after ten years			280			285				26,475				25,325
			$	19,248		$	19,278			$	141,167			$	138,193
	Securities with unrealized losses at December 31, 2013 and 2012, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position, are as follows (dollars in thousands):
			Less than 12 Months							12 Months or More							Total
			Fair			Unrealized				Fair				Unrealized			Fair		Unrealized
	31-Dec-13		Value			Loss				Value				Loss			Value		Loss
	U.S. Treasury and federal agency securities		$	43,212		$	(1,354	)		$	---			$	---		$	43,212	$	(1,354	)
	U.S. Agency MBS and CMOs			18,494			(673	)			---				---			18,494		(673	)
	Tax-exempt state and municipal bonds			21,359			(1,066	)			831				(68	)		22,190		(1,134	)
	Taxable state and municipal bonds			9,599			(256	)			1,015				(29	)		10,614		(285	)
	Corporate bonds and other debt securities			3,928			(63	)			---				---			3,928		(63	)
	Other equity securities			1,466			(34	)			---				---			1,466		(34	)
	Total temporarily impaired		$	98,058		$	(3,446	)		$	1,846			$	(97	)	$	99,904	$	(3,543	)
			Less than 12 Months							12 Months or More							Total
			Fair			Unrealized				Fair				Unrealized			Fair		Unrealized
	31-Dec-12		Value			Loss				Value				Loss			Value		Loss
	U.S. Treasury and federal agency securities		$	10,977		$	(21	)		$	---			$	---		$	10,977	$	(21	)
	U.S. Agency MBS and CMOs			3,373			(6	)			---				---			3,373		(6	)
	Tax-exempt state and municipal bonds			4,613			(49	)			---				---			4,613		(49	)
	Taxable state and municipal bonds			4,661			(49	)			---				---			4,661		(49	)
	Corporate bonds			3,945			(7	)			---				---			3,945		(7	)
	Other equity securities			---			---				---				---			---		---
	Total temporarily impaired		$	27,569		$	(132	)		$	---			$	---		$	27,569	$	(132	)
	Other-Than-Temporary-Impairment
	Management evaluates securities for other-than-temporary impairment ("OTTI") at least on a quarterly basis, and more frequently when economic or market conditions warrant such an evaluation. Management determined that no OTTI charges were necessary during 2013, 2012 and 2011.
	Securities with a carrying value of approximately $1.0 million and $7.4 million were pledged as security for public deposits, letters of credit and for other purposes required or permitted by law at December 31, 2013 and 2012, respectively.

LOANS

LOANS	12 Months Ended
	Dec. 31, 2013
LOANS [Abstract]	'
LOANS	'
	NOTE 3 – LOANS
	Portfolio loans were as follows (dollars in thousands):
			December 31,				December 31,
			2013				2012
	Commercial and industrial		$	274,099			$	259,700
	Commercial real estate:
	Residential developed			18,130				26,090
	Unsecured to residential developers			7,315				5,547
	Vacant and unimproved			42,988				56,525
	Commercial development			2,434				1,799
	Residential improved			76,294				75,813
	Commercial improved			247,195				255,738
	Manufacturing and industrial			77,984				81,447
	Total commercial real estate			472,340				502,959
	Consumer
	Residential mortgage			188,648				182,625
	Unsecured			1,337				1,683
	Home equity			95,961				92,764
	Other secured			9,992				12,617
	Total consumer			295,938				289,689
	Total loans			1,042,377				1,052,348
	Allowance for loan losses			(20,798	)			(23,739	)
			$	1,021,579			$	1,028,609
	The following tables present the activity in the allowance for loan losses by portfolio segment for the years ended December 31, 2013, 2012 and 2011 (dollars in thousands):
			Commercial and				Commercial
	2013		Industrial				Real Estate				Consumer				Unallocated			Total
	Beginning balance		$	6,459			$	13,457			$	3,787			$	36		$	23,739
	Charge-offs			(317	)			(1,065	)			(822	)			---			(2,204	)
	Recoveries			1,134				2,141				238				---			3,513
	Provision for loan losses			(1,102	)			(3,665	)			500				17			(4,250	)
	Ending Balance		$	6,174			$	10,868			$	3,703			$	53		$	20,798
		Commercial and				Commercial
	2012	Industrial				Real Estate				Consumer				Unallocated			Total
	Beginning balance		$	6,313			$	20,475			$	4,821			$	32		$	31,641
	Charge-offs			(1,245	)			(3,206	)			(3,045	)			---			(7,496	)
	Recoveries			547				5,840				307				---			6,694
	Provision for loan losses			844				(9,652	)			1,704				4			(7,100	)
	Ending Balance		$	6,459			$	13,457			$	3,787			$	36		$	23,739
			Commercial and				Commercial
	2011		Industrial				Real Estate				Consumer				Unallocated			Total
	Beginning balance		$	7,012			$	34,973			$	5,415			$	26		$	47,426
	Charge-offs			(2,935	)			(10,981	)			(2,535	)			---			(16,451	)
	Recoveries			1,727				3,343				296				---			5,366
	Provision for loan losses			509				(6,860	)			1,645				6			(4,700	)
	Ending Balance		$	6,313			$	20,475			$	4,821			$	32		$	31,641
	The following table presents the balance in the allowance for loan losses and the recorded investment in loans by portfolio segment and based on impairment method (dollars in thousands):
			Commercial and				Commercial
	December 31, 2013:		Industrial				Real Estate				Consumer				Unallocated			Total
	Allowance for loan losses:
	Ending allowance attributable to loans:
	Individually reviewed for impairment		$	1,981			$	1,008			$	881			$	---		$	3,870
	Collectively evaluated for impairment			4,193				9,860				2,822				53			16,928
	Total ending allowance balance		$	6,174			$	10,868			$	3,703			$	53		$	20,798
	Loans:
	Individually reviewed for impairment		$	13,155			$	41,285			$	14,483			$	---		$	68,923
	Collectively evaluated for impairment			260,944				431,055				281,455				---			973,454
	Total ending loans balance		$	274,099			$	472,340			$	295,938			$	---		$	1,042,377
			Commercial and				Commercial
	December 31, 2012:		Industrial				Real Estate				Consumer				Unallocated			Total
	Allowance for loan losses:
	Ending allowance attributable to loans:
	Individually reviewed for impairment		$	2,920			$	2,418			$	716			$	---		$	6,054
	Collectively evaluated for impairment			3,539				11,039				3,071				36			17,685
Total ending allowance balance		$	6,459			$	13,457			$	3,787			$	36		$	23,739
Loans:
Individually reviewed for impairment		$	14,390			$	54,831			$	14,086			$	---		$	83,307
Collectively evaluated for impairment			245,310				448,128				275,603				---			969,041
Total ending loans balance		$	259,700			$	502,959			$	289,689			$	---		$	1,052,348
The following table presents loans individually evaluated for impairment by class of loans as of December 31, 2013 (dollars in thousands):
		Unpaid
		Principal				Recorded				Allowance
		Balance				Investment				Allocated
With no related allowance recorded:
Commercial and industrial		$	3,287			$	3,284			$	---
Commercial real estate:
Residential developed			5,273				4,340				---
Unsecured to residential developers			---				---				---
Vacant and unimproved			3				3				---
Commercial development			362				362				---
Residential improved			1,493				1,493				---
Commercial improved			2,797				2,272				---
Manufacturing and industrial			252				252				---
			10,180				8,722				---
Consumer:
Residential mortgage			---				---				---
Unsecured			---				---				---
Home equity			---				---				---
Other secured			---				---				---
			---				---				---
		$	13,467			$	12,006			$	---
With an allowance recorded:
Commercial and industrial		$	9,871			$	9,871			$	1,981
Commercial real estate:
Residential developed			618				618				33
Unsecured to residential developers			---				---				---
Vacant and unimproved			1,900				1,900				47
Commercial development			207				207				5
Residential improved			9,534				9,534				342
Commercial improved			14,450				14,450				479
Manufacturing and industrial			5,854				5,854				102
			32,563				32,563				1,008
Consumer:
Residential mortgage			9,454				9,454				575
Unsecured			---				---				---
Home equity			5,029				5,029				306
Other secured			---				---				---
			14,483				14,483				881
		$	56,917			$	56,917			$	3,870
Total		$	70,384			$	68,923			$	3,870
The following table presents loans individually evaluated for impairment by class of loans as of December 31, 2012 (dollars in thousands):
		Unpaid
		Principal				Recorded				Allowance
		Balance				Investment				Allocated
With no related allowance recorded:
Commercial and industrial		$	2,515			$	2,512			$	---
Commercial real estate:
Residential developed			7,136				6,283				---
Unsecured to residential developers			---				---				---
Vacant and unimproved			2,321				2,136				---
Commercial development			213				213				---
Residential improved			3,293				3,019				---
Commercial improved			7,268				6,127				---
Manufacturing and industrial			3,686				3,686				---
			23,917				21,464				---
Consumer:
Residential mortgage			4,614				3,062				---
Unsecured			---				---				---
Home equity			---				---				---
Other secured			---				---				---
			4,614				3,062				---
		$	31,046			$	27,038			$	---
With an allowance recorded:
Commercial and industrial		$	11,878			$	11,878			$	2,920
Commercial real estate:
Residential developed			1,524				1,524				337
Unsecured to residential developers			---				---				---
Vacant and unimproved			1,688				1,688				34
Commercial development			---				---				---
Residential improved			10,063				10,063				842
Commercial improved			15,386				15,386				1,071
Manufacturing and industrial			4,706				4,706				134
			33,367				33,367				2,418
Consumer:
Residential mortgage			10,220				10,220				664
Unsecured			---				---				---
Home equity			804				804				52
Other secured			---				---				---
			11,024				11,024				716
		$	56,269			$	56,269			$	6,054
Total		$	87,315			$	83,307			$	6,054
The following table presents information regarding average balances of impaired loans and interest recognized on impaired loans for the years ended December 31, 2013, 2012 and 2011 (dollars in thousands):
		2013				2012				2011
Average of impaired loans during the period:
Commercial and industrial		$	14,333			$	14,928			$	7,622
Commercial real estate:
Residential developed			6,357				8,162				12,509
Unsecured to residential developers			---				---				559
Vacant and unimproved			2,804				3,851				5,710
Commercial development			398				216				407
Residential improved			11,549				13,192				9,721
Commercial improved			20,191				17,975				18,195
Manufacturing and industrial			6,305				9,125				7,335
Consumer			14,532				15,857				12,433
Interest income recognized during impairment:
Commercial and industrial			1,278				1,291				464
Commercial real estate			1,974				2,736				2,039
Consumer			537				538				413
Cash-basis interest income recognized
Commercial and industrial			1,273				1,295				536
Commercial real estate			1,971				2,740				1,997
Consumer			532				550				406
Nonaccrual loans include both smaller balance homogeneous loans that are collectively evaluated for impairment and individually classified impaired loans.  The following tables present the recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans as of December 31, 2013 and 2012:
						Over 90
						days
31-Dec-13		Nonaccrual				Accruing
Commercial and industrial		$	5,625			$	---
Commercial real estate:
Residential developed			2,590				153
Unsecured to residential developers			---				---
Vacant and unimproved			---				---
Commercial development			23				---
Residential improved			429				---
Commercial improved			2,511				---
Manufacturing and industrial			---				---
			5,553				153
Consumer:
Residential mortgage			639				---
Unsecured			33				---
Home equity			332				---
Other secured			---				---
			1,004				---
Total		$	12,182			$	153
						Over 90
						days
31-Dec-12		Nonaccrual				Accruing
Commercial and industrial		$	7,657			$	---
Commercial real estate:
Residential developed			3,024				---
Unsecured to residential developers			---				---
Vacant and unimproved			706				---
Commercial development			2				196
Residential improved			1,159				---
Commercial improved			1,521				422
Manufacturing and industrial			225				---
			6,637				618
Consumer:
Residential mortgage			447				---
Unsecured			19				---
Home equity			625				---
Other secured			---				---
			1,091				---
Total		$	15,385			$	618
The following table presents the aging of the recorded investment in past due loans as of December 31, 2013 by class of loans (dollars in thousands):
		30-90				Greater Than				Total				Loans Not
		Days				90 Days				Past Due				Past Due			Total
Commercial and industrial		$	---			$	---			$	---			$	274,099		$	274,099
Commercial real estate:
Residential developed			143				2,296				2,439				15,691			18,130
Unsecured to residential developers			---				---				---				7,315			7,315
Vacant and unimproved			---				---				---				42,988			42,988
Commercial development			---				23				23				2,411			2,434
Residential improved			98				50				148				76,146			76,294
Commercial improved			438				2,056				2,494				244,701			247,195
Manufacturing and industrial			---				---				---				77,984			77,984
			679				4,425				5,104				467,236			472,340
Consumer:
Residential mortgage			78				---				78				188,570			188,648
Unsecured			9				---				9				1,328			1,337
Home equity			317				---				317				95,644			95,961
Other secured			12				---				12				9,980			9,992
			416				---				416				295,522			295,938
Total		$	1,095			$	4,425			$	5,520			$	1,036,857		$	1,042,377
The following table presents the aging of the recorded investment in past due loans as of December 31, 2012 by class of loans (dollars in thousands):
		30-90				Greater Than				Total				Loans Not
		Days				90 Days				Past Due				Past Due			Total
Commercial and industrial		$	395			$	219			$	614			$	259,086		$	259,700
Commercial real estate:
Residential developed			---				35				35				26,055			26,090
Unsecured to residential developers			---				---				---				5,547			5,547
Vacant and unimproved			17				652				669				55,856			56,525
Commercial development			---				199				199				1,600			1,799
Residential improved			520				192				712				75,101			75,813
Commercial improved			2,502				1,436				3,938				251,800			255,738
Manufacturing and industrial			200				25				225				81,222			81,447
			3,239				2,539				5,778				497,181			502,959
Consumer:
Residential mortgage			647				110				757				181,868			182,625
Unsecured			---				---				---				1,683			1,683
Home equity			415				264				679				92,085			92,764
Other secured			59				---				59				12,558			12,617
			1,121				374				1,495				288,194			289,689
Total		$	4,755			$	3,132			$	7,887			$	1,044,461		$	1,052,348
The Company had allocated $3,870,000 and $6,005,000 of specific reserves to customers whose loan terms have been modified in troubled debt restructurings (“TDRs”) as of December 31, 2013 and 2012, respectively.  These loans involved the restructuring of terms to allow customers to mitigate the risk of foreclosure by meeting a lower loan payment requirement based upon their current cash flow.  These may also include loans that renewed at existing contractual rates, but below market rates for comparable credit.  The Company has been active at utilizing these programs and working with its customers to reduce the risk of foreclosure.  For commercial loans, these modifications typically include an interest only period and, in some cases, a lowering of the interest rate on the loan.  In some cases, the modification will include separating the note into two notes with the first note structured to be supported by current cash flows and collateral, and the second note made for the remaining unsecured debt.  The second note is charged off immediately and collected only after the first note is paid in full.  This modification type is commonly referred to as an A-B note structure.  For consumer mortgage loans, the restructuring typically includes a lowering of the interest rate to provide payment and cash flow relief.  For each restructuring, a comprehensive credit underwriting analysis of the borrower’s financial condition and prospects of repayment under the revised terms is performed to assess whether the structure can be successful and that cash flows will be sufficient to support the restructured debt.  An analysis is also performed to determine whether the restructured loan should be on accrual status.  Generally, if the loan is on accrual at the time of restructure, it will remain on accrual after the restructuring.  In some cases, a nonaccrual loan may be placed on accrual at the time of restructure if the loan’s actual payment history demonstrates it would have cash flowed under the restructured terms.  After six consecutive payments under the restructured terms, a nonaccrual restructured loan is reviewed for possible upgrade to accruing status.
Typically, once a loan is identified as a TDR, it will retain that designation until it is paid off, since the restructured loans generally are not at market rates at the time of restructuring.  An exception to this would be a loan that is modified under an A-B note structure.  If the remaining “A” note is at a market rate at the time of restructuring (taking into account the borrower’s credit risk and prevailing market conditions), the loan can be removed from TDR designation in a subsequent calendar year after six months of performance in accordance with the new terms.  The market rate relative to the borrower’s credit risk is determined through analysis of market pricing information gathered from peers and use of a loan pricing model.  The general objective of the model is to achieve a consistent return on equity from one credit to the next, taking into consideration their differences in credit risk.  In the model, credits with higher risk receive a higher potential loss allocation, and therefore require a higher interest rate to achieve the target return on equity.  In general, when a loan is removed from TDR status it would no longer be considered impaired.  As a result, allowance allocations for loans removed from TDR status would be based on the historical based allocation for the applicable loan grade and loan class.  During 2013, 2012 and 2011, no loans were removed from TDR status.  Given the nature of the TDRs outstanding at December 31, 2013, it is unlikely that any such loans will be removed from TDR status in 2014.
As with other impaired loans, an allowance for loan loss is estimated for each TDR based on the most likely source of repayment for each loan.  For impaired commercial real estate loans that are collateral dependent, the allowance is computed based on the fair value of the underlying collateral.  For impaired commercial loans where repayment is expected from cash flows from business operations, the allowance is computed based on a discounted cash flow computation.  Certain groups of TDRs, such as residential mortgages, have common characteristics and for them the allowance is computed based on a discounted cash flow computation on the change in weighted rate for the pool.  The allowance allocations for commercial TDRs where we have reduced the contractual interest rate are computed by measuring cash flows using the new payment terms discounted at the original contractual rate.
The following table presents information regarding troubled debt restructurings as of December 31, 2013 and 2012 (dollars in thousands):
		31-Dec-13								31-Dec-12
		Number of Loans				Outstanding Recorded Balance				Number of Loans				Outstanding Recorded Balance
Commercial and industrial			43			$	7,787				58			$	14,485
Commercial real estate			122				45,774				142				49,936
Consumer			106				14,531				86				13,634
			271			$	68,092				286			$	78,055
The following table presents information regarding troubled debt restructurings executed during the year ended December 31, 2013 (dollars in thousands):
		Number of Loans				Pre-Modification Outstanding Recorded Balance				Principal Writedown upon Modification
Commercial and industrial			5			$	1,085			$	---
Commercial real estate			13				4,298				---
Consumer			36				5,833				---
			54			$	11,216			$	---
The following table presents information regarding troubled debt restructurings executed during the year ended December 31, 2012 (dollars in thousands):
		Number of Loans				Pre-Modification Outstanding Recorded Balance				Principal Writedown upon Modification
Commercial and industrial			16			$	1,462			$	9
Commercial real estate			52				15,413				332
Consumer			10				1,518				261
			78			$	18,393			$	602
The following table presents information regarding troubled debt restructurings executed during the year ended December 31, 2011 (dollars in thousands):
		Number of Loans				Pre-Modification Outstanding Recorded Balance				Principal Writedown upon Modification
Commercial and industrial			95			$	9,726			$	570
Commercial real estate			106				44,122				961
Consumer			16				2,509				---
			217			$	56,357			$	1,531
According to the accounting standards, not all loan modifications are TDRs.  TDRs are modifications or renewals where the Company has granted a concession to a borrower in financial distress.  The Company reviews all modifications and renewals for determination of TDR status.  In some situations a borrower may be experiencing financial distress, but the Company does not provide a concession.  These modifications are not considered TDRs.  In other cases, the Company might provide a concession, such as a reduction in interest rate, but the borrower is not experiencing financial distress.  This could be the case if the Company is matching a competitor’s interest rate.  These modifications would also not be considered TDRs.  Finally, any renewals at existing terms for borrowers not experiencing financial distress would not be considered TDRs.
The following table presents information regarding modifications and renewals executed during the years ended December 31, 2013, 2012 and 2011 that are not considered TDRs (dollars in thousands):
		2013								2012							2011
		Number of				Outstanding Recorded Balance				Number of Loans				Outstanding Recorded Balance			Number of				Outstanding Recorded Balance
		Loans															Loans
Commercial and industrial			485			$	101,988				557			$	138,174			584			$	88,196
Commercial real estate			368				115,785				384				141,715			436				129,002
Consumer			62				1,979				79				3,126			112				4,626
			915			$	219,752				1,020			$	283,015			1,132			$	221,824
The table below presents, by class, information regarding troubled debt restructurings which had payment defaults during the twelve months ended December 31, 2013, 2012 and 2011 (dollars in thousands). Included are loans that became delinquent more than 90 days past due or transferred to nonaccrual within 12 months of restructuring.
	2013								2012							2011
	Number of				Outstanding Recorded Balance				Number of Loans				Outstanding Recorded Balance			Number of				Outstanding Recorded Balance
	Loans															Loans
Commercial and industrial			---			$	---				3			$	112			5			$	871
Commercial real estate			1				1,350				2				225			11				2,806
Consumer			---				---				2				184			2				402
Credit Quality Indicators: The Company categorizes loans into risk categories based on relevant information about the ability of the 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 commercial loans individually and classifies these relationships by credit risk grading.  The Company uses an eight point grading system, with grades 5 through 8 being considered classified, or watch, credits.  All commercial loans are assigned a grade at origination, at each renewal or any amendment.  When a credit is first downgraded to a watch credit (either through renewal, amendment, loan officer identification or the loan review process), an Administrative Loan Review (“ALR”) is generated by credit and the loan officer.  All watch credits have an ALR completed monthly which analyzes the collateral position and cash flow of the borrower and its guarantors.  The loan officer is required to complete both a short term and long term plan to rehabilitate or exit the credit and to give monthly comments on the progress to these plans.  Management meets quarterly with loan officers to discuss each of these credits in detail and to help formulate solutions where progress has stalled.  When necessary, the loan officer proposes changes to the assigned loan grade as part of the ALR.  Additionally, Loan Review reviews all loan grades upon origination, renewal or amendment and again as loans are selected though the loan review process.  The credit will stay on the ALR until either its grade has improved to a 4 or better or the credit relationship is at a zero balance.  The Company uses the following definitions for the risk grades:
1. Excellent - Loans supported by extremely strong financial condition or secured by the Bank’s own deposits. Minimal risk to the Bank and the probability of serious rapid financial deterioration is extremely small.
2. Above Average - Loans supported by sound financial statements that indicate the ability to repay or borrowings secured (and margined properly) with marketable securities. Nominal risk to the Bank and probability of serious financial deterioration is highly unlikely. The overall quality of these credits is very high.
3. Good Quality - Loans supported by satisfactory asset quality and liquidity, good debt capacity coverage, and good management in all critical positions. Loans are secured by acceptable collateral with adequate margins. There is a slight risk of deterioration if adverse market conditions prevail.
4. Acceptable Risk - Loans carrying an acceptable risk to the Bank, which may be slightly below average quality. The borrower has limited financial strength with considerable leverage. There is some probability of deterioration if adverse market conditions prevail. These credits should be monitored closely by the Relationship Manager.
5. Marginally Acceptable - Loans are of marginal quality with above normal risk to the Bank. The borrower shows acceptable asset quality but very little liquidity with high leverage. There is inconsistent earning performance without the ability to sustain adverse market conditions. The primary source of repayment is questionable, but the secondary source of repayment still remains an option. Very close attention by the Relationship Manager and management is needed.
6. Substandard - Loans are inadequately protected by the net worth and paying capacity of the borrower or the collateral pledged. The primary and secondary sources of repayment are questionable. Heavy debt condition may be evident and volume and earnings deterioration may be underway. It is possible that the Bank will sustain some loss if the deficiencies are not immediately addressed and corrected.
7. Doubtful - Loans supported by weak or no financial statements that indicate the ability to repay the entire loan is questionable. Loans in this category are normally characterized less than adequate collateral, insolvent, or extremely weak financial condition. A loan classified doubtful has all the weaknesses inherent in one classified substandard with the added characteristic that the weaknesses makes collection or liquidation in full highly questionable. The possibility of loss is extremely high, however, activity may be underway to minimize the loss or maximize the recovery.
8. Loss - Loans are considered uncollectible and of little or no value as a bank asset.  These loans should be charged off.
As of December 31, 2013, the risk grade category of commercial loans by class of loans was as follows (dollars in thousands):
		1				2				3				4			5				6		7		8
Commercial and industrial		$	509			$	15,836			$	81,577			$	155,680		$	13,513			$	1,359	$	5,625	$	---
Commercial real estate:
Residential developed			---				---				2,039				5,653			5,232				2,616		2,590		---
Unsecured to residential developers			---				---				---				7,309			6				---		---		---
Vacant and unimproved			---				---				11,191				24,638			6,761				398		---		---
Commercial development			---				---				---				1,673			532				207		23		---
Residential improved			---				109				15,121				45,018			9,391				6,226		429		---
Commercial improved			---				7,382				45,391				161,897			24,937				5,075		2,511		---
Manufacturing and industrial			---				311				24,546				42,133			10,402				593		---		---
		$	509			$	23,638			$	179,865			$	444,001		$	70,774			$	16,474	$	11,178	$	---
As of December 31, 2012, the risk grade category of commercial loans by class of loans was as follows (dollars in thousands):
		1				2				3				4			5				6		7		8
Commercial and industrial		$	1,349			$	20,630			$	72,723			$	141,425		$	12,027			$	3,884	$	7,662	$	---
Commercial real estate:
Residential developed			---				---				715				6,240			9,772				6,339		3,024		---
Unsecured to residential developers			---				---				---				5,535			12				---		---		---
Vacant and unimproved			---				---				12,532				29,654			12,412				1,221		706		---
Commercial development			---				---				---				482			1,102				213		2		---
Residential improved			---				115				9,973				41,578			14,471				8,517		1,159		---
Commercial improved			---				2,009				40,253				159,353			37,449				15,153		1,521		---
Manufacturing and industrial			---				2,087				17,795				48,061			9,592				3,687		225		---
		$	1,349			$	24,841			$	153,991			$	432,328		$	96,837			$	39,014	$	14,299	$	---
Commercial loans rated a 6 or worse per the Company’s internal risk rating system are considered substandard, doubtful or loss.
Commercial loans classified as substandard or worse were as follows at year-end (dollars in thousands):
		2013				2012
Not classified as impaired		$	7,400			$	13,015
Classified as impaired			20,252				40,298
Total commercial loans classified substandard or worse		$	27,652			$	53,313
The Company considers the performance of the loan portfolio and its impact on the allowance for loan losses. For consumer loan classes, the Company also evaluates credit quality based on the aging status of the loan, which was previously presented, and by payment activity. The following table presents the recorded investment in consumer loans based on payment activity as of December 31, 2013 and 2012 (dollars in thousands):
	Residential				Consumer				Home				Consumer
31-Dec-13	Mortgage				Unsecured				Equity				Other
Performing		$	188,648			$	1,337			$	95,961			$	9,992
Nonperforming			---				---				---				---
Total		$	188,648			$	1,337			$	95,961			$	9,992
	Residential				Consumer				Home				Consumer
31-Dec-12	Mortgage				Unsecured				Equity				Other
Performing		$	182,515			$	1,683			$	92,500			$	12,617
Nonperforming			110				---				264				---
Total		$	182,625			$	1,683			$	92,764			$	12,617

OTHER_REAL_ESTATE_OWNED

OTHER REAL ESTATE OWNED	12 Months Ended
	Dec. 31, 2013
OTHER REAL ESTATE OWNED [Abstract]	'
OTHER REAL ESTATE OWNED	'
	NOTE 4 – OTHER REAL ESTATE OWNED
	Other real estate owned was as follows (dollars in thousands):
		2013			2012			2011
	Beginning balance	$	69,743		$	83,663		$	68,388
	Additions, transfers from loans and fixed assets		3,539			9,168			38,358
	Proceeds from sales of other real estate owned		(16,501	)		(18,729	)		(21,540	)
	Valuation allowance reversal upon sale		(4,378	)		(4,300	)		(3,058	)
	Gain (loss) on sale of other real estate owned		1,098			(59	)		1,515
			53,501			69,743			83,663
	Less: valuation allowance		(16,705	)		(18,161	)		(17,225	)
	Ending balance	$	36,796		$	51,582		$	66,438
	Activity in the valuation allowance was as follows (dollars in thousands):
		2013			2012			2011
	Beginning balance	$	18,161		$	17,225		$	10,404
	Additions charged to expense		2,922			5,236			9,879
	Reversals upon sale		(4,378	)		(4,300	)		(3,058	)
	Ending balance	$	16,705		$	18,161		$	17,225

FAIR_VALUE

FAIR VALUE	12 Months Ended
	Dec. 31, 2013
FAIR VALUE [Abstract]	'
FAIR VALUE	'
	NOTE 5 – FAIR VALUE
	ASC Topic 820, Fair Value Measurements and Disclosures, 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. The three levels of inputs that may be used to measure fair value include:
	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 reporting entity's own assumptions about the assumptions that market participants would use in pricing an asset or liability.
	Investment Securities: The fair values of investment securities are determined by matrix pricing, which is a mathematical technique widely used in the industry to value debt securities without relying exclusively on quoted prices for the specific securities but rather by relying on the securities' relationship to other benchmark quoted securities (Level 2 inputs).  The fair values of certain securities held to maturity are determined by computing discounted cash flows using observable and unobservable market inputs (Level 3 inputs).
	Loans Held for Sale: The fair value of loans held for sale is based upon binding quotes from third party investors (Level 2 inputs).
	Impaired Loans: Loans identified as impaired are measured using one of three methods: the loan’s observable market price, the fair value of collateral or the present value of expected future cash flows.  For each period presented, no impaired loans were measured using the loan’s observable market price.  If an impaired loan has had a chargeoff or if the fair value of the collateral is less than the recorded investment in the loan, we establish a specific reserve and report the loan as nonrecurring Level 3.  The fair value of collateral of impaired loans is generally based on recent 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: Other real estate owned (OREO) properties are initially recorded at fair value, less estimated costs to sell when acquired, establishing a new cost basis.  Adjustments to OREO are measured at fair value, less costs to sell. Fair values are generally based on third party appraisals or realtor evaluations of the property. These appraisals and evaluations 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.  In cases where the carrying amount exceeds the fair value, less estimated costs to sell, an impairment loss is recognized through a valuation allowance, and the property is reported as nonrecurring Level 3.
	Interest Rate Swaps:   For interest rate swap agreements, we measure fair value utilizing pricing provided by a third-party pricing source that that uses market observable inputs, such as forecasted yield curves, and other unobservable inputs and accordingly,  interest rate swap agreements are classified as Level 3.
	Assets measured at fair value on a recurring basis are summarized below (in thousands):
			Fair				Quoted Prices in Active Markets for Identical Assets				Significant Other Observable Inputs				Significant Unobservable Inputs
			Value				(Level 1)				(Level 2)				(Level 3)
	31-Dec-13
	U.S. Treasury and federal agency securities		$	54,439			$	---			$	54,439			$	---
	U.S. Agency MBS and CMOs			19,365				---				19,365				---
	Tax-exempt state and municipal bonds			26,849				---				26,849				---
	Taxable state and municipal bonds			26,328				---				26,328				---
	Corporate bonds and other debt securities			11,212				---				11,212				---
	Other equity securities			1,466				---				1,466				---
	Loans held for sale			1,915				---				1,915				---
	Interest rate swaps			94				---				---				94
	Interest rate swaps			(94	)			---				---				(94	)
	31-Dec-12
	U.S. Treasury and federal agency securities		$	42,564			$	---			$	42,564			$	---
	U.S. Agency MBS and CMOs			23,761				---				23,761				---
	Tax-exempt state and municipal bonds			20,793				---				20,793				---
	Taxable state and municipal bonds			27,296				---				27,296				---
	Corporate bonds			7,526				---				7,526				---
	Other equity securities			1,557				---				1,557				---
	Loans held for sale			8,130				---				8,130				---
	Interest rate swaps			---				---				---				---
	Interest rate swaps			---				---				---				---
	Assets measured at fair value on a non-recurring basis are summarized below (in thousands):
			Fair				Quoted Prices in Active Markets for Identical Assets				Significant Other Observable Inputs				Significant Unobservable Inputs
			Value				(Level 1)				(Level 2)				(Level 3)
	31-Dec-13
	Impaired loans		$	22,403			$	---			$	---			$	22,403
	Other real estate owned			29,711				---				---				29,711
	31-Dec-12
	Impaired loans		$	34,668			$	---			$	---			$	34,668
	Other real estate owned			41,594				---				---				41,594
	The carrying amounts and estimated fair values of financial instruments, not previously presented, were as follows at year end (dollars in thousands).
		Level in		2013								2012
		Fair Value		Carrying			Fair					Carrying			Fair
		Hierarchy		Amount			Value					Amount			Value
	Financial assets
	Cash and due from banks	Level 1		$	38,714			$	38,714			$	33,556			$	33,556
	Cash equivalents	Level 2			118,178				118,178				192,802				192,802
	Interest-bearing time deposits in other financial institutions	Level 2			25,000				25,003				---				---
	Securities held to maturity	Level 3			19,248				19,278				4,300				4,301
	FHLB stock				11,236		NA						11,236		NA
	Loans, net	Level 2			999,176				990,084				993,941				999,619
	Bank owned life insurance	Level 3			27,517				27,517				26,804				26,804
	Accrued interest receivable	Level 2			3,231				3,231				3,411				3,411
	Financial liabilities
	Deposits	Level 2			(1,249,734	)			(1,250,886	)			(1,286,261	)			(1,285,819	)
	Other borrowed funds	Level 2			(89,111	)			(90,321	)			(91,822	)			(95,213	)
	Long-term debt	Level 2			(41,238	)			(35,098	)			(41,238	)			(30,463	)
	Subordinated debt	Level 2			---				---				(1,650	)			(1,650	)
	Accrued interest payable	Level 2			(308	)			(308	)			(4,858	)			(4,858	)
	Off-balance sheet credit-related items
	Loan commitments				---				---				---				---
The methods and assumptions used to estimate fair value are described as follows.
Carrying amount is the estimated fair value for cash and cash equivalents, bank owned life insurance, accrued interest receivable and payable, demand deposits, short-term borrowings and variable rate loans or deposits that reprice frequently and fully. Security fair values are determined by matrix pricing, which is a mathematical technique widely used in the industry to value debt securities as discussed above. For fixed rate loans, interest-bearing time deposits in other financial institutions, or deposits and for variable rate loans or deposits with infrequent repricing or repricing limits, fair value is based on discounted cash flows using current market rates applied to the estimated life and credit risk (including consideration of widening credit spreads). Fair value of debt is based on current rates for similar financing. It was not practicable to determine the fair value of FHLB stock due to restrictions placed on its transferability. The fair value of off-balance sheet credit-related items is not significant.

PREMISES_AND_EQUIPMENT_NET

PREMISES AND EQUIPMENT - NET	12 Months Ended
	Dec. 31, 2013
PREMISES AND EQUIPMENT - NET [Abstract]	'
PREMISES AND EQUIPMENT - NET	'
	NOTE 6 – PREMISES AND EQUIPMENT – NET
	Year-end premises and equipment were as follows (dollars in thousands):
		2013			2012
	Land	$	18,236		$	18,236
	Building		42,530			42,512
	Leasehold improvements		779			779
	Furniture and equipment		20,344			19,308
	Construction in progress		1,065			604
			82,954			81,439
	Less accumulated depreciation		(29,313	)		(27,863	)
		$	53,641		$	53,576
	Depreciation expense was $2,342,000, $2,400,000 and $2,661,000 for 2013, 2012 and 2011, respectively.
	The Bank leases certain office and branch premises and equipment under operating lease agreements.  Total rental expense for all operating leases aggregated to $354,000, $460,000 and $481,000 for 2013, 2012 and 2011, respectively.  Future minimum rental expense under noncancelable operating leases as of December 31, 2013 is as follows (dollars in thousands):
	2014	$	254
	2015		233
	2016		230
	2017		229
	2018		229
	Thereafter		356
		$	1,531

DEPOSITS

DEPOSITS	12 Months Ended
	Dec. 31, 2013
DEPOSITS [Abstract]	'
DEPOSITS	'
	NOTE 7 – DEPOSITS
	Deposits at year-end were as follows (dollars in thousands):
		2013		2012
	Noninterest-bearing demand	$	344,550	$	339,520
	Interest bearing demand		287,417		278,765
	Savings and money market accounts		469,542		476,803
	Certificates of deposit		148,225		191,173
		$	1,249,734	$	1,286,261
	The following table depicts the maturity distribution of certificates of deposit at December 31, 2013 (dollars in thousands):
	2014	$	84,591
	2015		44,430
	2016		11,568
	2017		5,428
	2018		2,208
	Thereafter		---
		$	148,225
	Approximately $56.7 million and $69.2 million in certificates of deposit were in denominations of $100,000 or more at December 31, 2013 and 2012, respectively.

OTHER_BORROWED_FUNDS

OTHER BORROWED FUNDS	12 Months Ended
	Dec. 31, 2013
OTHER BORROWED FUNDS [Abstract]	'
OTHER BORROWED FUNDS	'
	NOTE 8 - OTHER BORROWED FUNDS
	Other borrowed funds include advances from the Federal Home Loan Bank and borrowings from the Federal Reserve Bank.
	Federal Home Loan Bank Advances
	At year-end, advances from the Federal Home Loan Bank were as follows (dollars in thousands):
	Principal Terms	Advance			Weighted
		Amount		Range of Maturities	Average
					Interest Rate
	31-Dec-13
	Single maturity fixed rate advances	$	80,000	August 2016 to February 2019		1.69	%
	Amortizable mortgage advances		9,991	March 2018 to July 2018		3.78	%
		$	89,991
	Principal Terms	Advance			Weighted
		Amount		Range of Maturities	Average
					Interest Rate
	31-Dec-12
	Single maturity fixed rate advances	$	80,000	May 2015 to September 2016		1.7	%
	Amortizable mortgage advances		11,822	March 2018 to July 2018		3.78	%
		$	91,822
	Each advance is subject to a prepayment fee if paid prior to its maturity date.  Fixed rate advances are payable at maturity.   Amortizable mortgage advances are fixed rate advances with scheduled repayments based upon amortization to maturity.  These advances were collateralized by residential and commercial real estate loans totaling $411,715,000 and $413,482,000 under a blanket lien arrangement at December 31, 2013 and 2012.
	During the second quarter of 2013, the Bank modified the terms of six of its existing FHLB advances (totaling $60.0 million) having the effect of extending the weighted average maturity for all outstanding advances from 3.22 years to 4.86 years and reducing the weighted average interest rate from 1.95% to 1.94%.  As the modifications did not result in the terms being substantially different (as defined in ASC 470-50-40-10), the transaction was accounted for as a modification, not extinguishment of debt.  Accordingly, the prepayment fees incurred are amortized as an adjustment of the yield over the remaining life of each advance.
	During the third quarter of 2012, advances totaling $20.0 million were paid off early, resulting in a prepayment fee of $322,000, which is included in other expense for the year ended December 31, 2012.
	Scheduled repayments of FHLB advances as of December 31, 2013 were as follows (in thousands):
	2014	$	1,884
	2015		1,938
	2016		21,996
	2017		2,055
	2018		52,118
	Thereafter		10,000
		$	89,991
	Federal Reserve Bank Borrowings
	The Company has a financing arrangement with the Federal Reserve Bank.  There were no borrowings outstanding at December 31, 2013 and 2012, and the Company had approximately $22.7 million and $30.3 million in unused borrowing capacity based on commercial and mortgage loans pledged to the Federal Reserve Bank totaling $26.6 million and $37.2 million at December 31, 2013 and 2012, respectively.

LONGTERM_DEBT

LONG-TERM DEBT	12 Months Ended
	Dec. 31, 2013
LONG-TERM DEBT [Abstract]	'
LONG-TERM DEBT	'
	NOTE 9 – LONG TERM DEBT
	The Company has outstanding $40.0 million aggregate liquidation amount of pooled trust preferred securities ("TRUPs") issued through its wholly-owned subsidiary grantor trusts.  Macatawa Statutory Trust I issued $619,000 of common securities to the Company and $20.0 million aggregate liquidation amount of Preferred Securities with a floating interest rate of three-month LIBOR plus 3.05%) and Macatawa Statutory Trust II issued $619,000 of common securities and $20.0 million aggregate liquidation amount of Preferred Securities with a floating interest rate of three-month LIBOR plus 2.75%).
	The Company issued subordinated debentures (“Debentures”) to each trust in exchange for ownership of all of the common securities of each trust and the $41,238,000 in proceeds of the offerings, which Debentures represent the sole asset of each trust.  The Preferred Securities represent an interest in the Company’s Debentures, which have terms that are similar to the Preferred Securities.  The Company is not considered the primary beneficiary of each trust (variable interest entity), therefore each trust is not consolidated in the Company’s financial statements, rather the Debentures are shown as a liability.
	The Company has the option to defer interest payments on the Debentures from time to time for up to twenty consecutive quarterly payments, although interest continues to accrue on the outstanding balance.  During any deferral period, the Company may not declare or pay any dividends on the Company’s common stock or preferred stock or make any payment on any outstanding debt obligations that rank equally with or junior to the Debentures.
	In the second half of 2013, we discontinued the deferral and resumed regular payment of quarterly interest payments on our trust preferred securities and paid all accrued and unpaid interest that had been previously deferred and became due and payable upon the discontinuance of the deferral. For Macatawa Statutory Trust I, a total of $3.0 million, representing all of the deferred and current interest payment due was distributed on September 30, 2013. For Macatawa Statutory Trust II, a total of $2.7 million, representing all of the deferred and current interest payment due, was distributed on October 7, 2013.
	At December 31, 2013 and 2012, Debentures totaling $41,238,000 are reported in liabilities as long-term debt, and the common securities of $1,238,000 and unamortized debt issuance costs are included in other assets.  The Preferred Securities may be included in Tier 1 capital (with certain limitations applicable) under current regulatory guidelines and interpretations.  At December 31, 2013, approximately $40.0 million of the Preferred Securities issued qualified as Tier 1 capital for regulatory capital purposes.  At December 31, 2012, approximately $37.7 million of Preferred Securities issued qualified as Tier 1 capital for regulatory capital purposes.

RELATED_PARTY_TRANSACTIONS

RELATED PARTY TRANSACTIONS	12 Months Ended
	Dec. 31, 2013
RELATED PARTY TRANSACTIONS [Abstract]	'
RELATED PARTY TRANSACTIONS	'
	NOTE 10 – RELATED PARTY TRANSACTIONS
	Loans to principal officers, directors, and their affiliates were as follows (dollars in thousands).
		2013			2012
	Beginning balance	$	5,645		$	1,370
	New loans and renewals		10,704			10,222
	Repayments and renewals		(12,887	)		(5,947	)
	Effect of changes in related parties		---			---
	Less accumulated depreciation	$	3,462		$	5,645
	Deposits from principal officers, directors, and their affiliates at December 31, 2013 and 2012 were $113.8 million and $154.8 million, respectively.  The majority of the deposit balances for each year are associated with institutional accounts of affiliated organizations of one of the Company’s directors.

STOCKBASED_COMPENSATION

STOCK-BASED COMPENSATION	12 Months Ended
	Dec. 31, 2013
STOCK-BASED COMPENSATION [Abstract]	'
STOCK-BASED COMPENSATION	'
	NOTE 11 – STOCK-BASED COMPENSATION
	The Company has stock-based compensation plans for its employees (the Employees’ Plans) and directors (the Directors’ Plans).  The Employees’ Plans permit the grant of stock options or the issuance of restricted stock for up to 1,917,210 shares of common stock.  The Directors’ Plans permit the grant of stock options or the issuance of restricted stock for up to 473,278 shares of common stock.  There were 337,432 shares under the Employees’ Plans and 165,375 shares under the Directors’ Plans available for future issuance as of December 31, 2013.  The Company issues new shares under its stock-based compensation plans from its authorized but unissued shares.
	Stock Options
	Option awards are granted with an exercise price equal to the market price at the date of grant.  Option awards have vesting periods ranging from one to three years and have ten year contractual terms.
	The fair value of each option award is estimated on the date of grant using a closed form option valuation (Black-Scholes) model.  Expected volatilities are based on historical volatilities of the Company’s common stock.  The Company uses historical data to estimate option exercise and post-vesting termination behavior.  The expected term of options granted is based on historical data and represents the period of time that options granted are expected to be outstanding, which takes into account that the options are not transferable.  The Company expects that all options granted will vest and become exercisable. The risk-free interest rate for the expected term of the option is based on the U.S. Treasury yield curve in effect at the time of the grant.
	There were no options granted during 2013, 2012 and 2011.  A summary of option activity in the plans is as follows (dollars in thousands, except per option data):
	Options	Number Outstanding			Weighted-Average Exercise Price		Weighted- Average Remaining Contractual Life in Years		Aggregate Intrinsic Value
	Outstanding at January 1, 2013		472,719		$	16.44		---
	Forfeited		---			---		---
	Expired		(117,391	)		12.76		---
	Outstanding at December 31, 2013		355,328		$	17.65		2.09		$	---
	Exerciseable at December 31, 2013		355,328		$	17.65		2.09		$	---
	Information related to stock options during each year follows (dollars in thousands):
		2013			2012		2011
	Intrinsic value of options exercised	$	---		$	---	$	---
	Cash received from option exercises		---			---		---
	Tax benefit realized from option exercises		---			---		---
	There was no compensation cost for stock options in 2013, 2012 and 2011.
	As of December 31, 2013, there was no unrecognized cost related to nonvested stock options granted under the Company’s stock-based compensation plans.
	Restricted Stock Awards
	Restricted stock awards have vesting periods of up to three years.  A summary of changes in the Company’s nonvested restricted stock awards for the year follows:
	Nonvested Stock Awards		Shares			Weighted-Average Grant-Date Fair Value		Aggregate Intrinsic Value
	Outstanding at January 1, 2013		121,000		$	2.9	$	605,000
	Granted		125,500			5.17		627,500
	Vested		(40,329	)		2.9		201,645
	Forfeited		---			---
	Outstanding at December 31, 2013		206,171		$	4.28	$	1,030,855
	Compensation cost related to restricted stock awards totaled $160,000, $9,000, and $66,000 for 2013, 2012 and 2011, respectively.
	As of December 31, 2013, there was $895,260 of total remaining unrecognized compensation cost related to nonvested restricted stock awards granted under the Company’s stock-based compensation plans.  The cost is expected to be recognized over a weighted-average period of 1.79 years.  The total grant date fair value of restricted stock awards vested during 2013 was $116,954.  There were no restricted stock awards that vested during 2012.  The total grant date fair value of restricted stock awards vested during 2011 was $192,000.

EMPLOYEE_BENEFITS

EMPLOYEE BENEFITS	12 Months Ended
	Dec. 31, 2013
EMPLOYEE BENEFITS [Abstract]	'
EMPLOYEE BENEFITS	'
	NOTE 12 – EMPLOYEE BENEFITS
	The Company sponsors a 401(k) plan which covers substantially all employees.  Employees may elect to contribute to the plan up to the maximum percentage of compensation and dollar amount subject to statutory limitations.  Effective January 1, 2010, the Company temporarily suspended its matching contribution.  Beginning January 1, 2013, the Company reinstated its contribution using a matching formula of 100% of the first 3% of employee contributions and 50% of employee contributions in excess of 3%, up to 5%.  The Company’s contributions for the year ended December 31, 2013 were approximately $584,000.  There were no contributions in 2012 and 2011.
	The Company sponsors an Employee Stock Purchase Plan which covers substantially all employees.  Employees are allowed to direct the Company to withhold payroll dollars and purchase Company stock at market price on a payroll by payroll basis.  The Company has reserved 210,000 shares of common stock to be issued under the plan.  The plan allows for shares to be issued directly from the Company or purchased on the open market.

EARNINGS_PER_COMMON_SHARE

EARNINGS PER COMMON SHARE	12 Months Ended
	Dec. 31, 2013
EARNINGS PER COMMON SHARE [Abstract]	'
EARNINGS PER COMMON SHARE	'
	NOTE 13 - EARNINGS PER COMMON SHARE
	A reconciliation of the numerators and denominators of basic and diluted earnings per common share are as follows (dollars in thousands, except per share data):
		2013			2012		2011
	Net income	$	9,549		$	35,490	$	5,829
	Effect of induced exchange of preferred stock		(17,575	)		---		---
	Net income (loss) available to common shares	$	(8,026	)	$	35,490	$	5,829
	Weighted average shares outstanding, including participating stock awards - Basic		27,161,888			27,086,792		22,739,990
	Dilutive potential common shares:
	Stock options		---			---		---
	Conversion of preferred stock		---			---		---
	Stock warrants		---			---		---
	Weighted average shares outstanding - Diluted		27,161,888			27,086,792		22,739,990
	Basic earnings (loss) per common share	$	(0.29	)	$	1.31	$	0.26
	Diluted earnings (loss) per common share	$	(0.29	)	$	1.31	$	0.26
	The Exchange (See Note 17) by holders of convertible preferred stock for common stock and a cash premium was accounted for as an induced conversion.  Common stock was increased by the carrying (liquidation) value of the amount of convertible preferred stock exchanged.  The fair value of common stock and the cash premium issued in excess of the fair value of securities issuable pursuant to the original conversion terms was treated as a reduction to net income available to common shareholders for earnings per share purposes.
	Stock options for 355,328, 472,719 and 634,427 shares of common stock were not considered in computing diluted earnings per share for 2013, 2012 and 2011, respectively, because they were antidilutive. Unvested restricted awards of 206,167 were not considered in computing earnings per share for 2013 as they were antidilutive due to the net loss available to common shares created by the preferred stock exchange.  Potential common shares associated with convertible preferred stock (for periods prior to December 30, 2013, the completion date of the Exchange) and stock warrants were not considered in computing diluted earnings per share in each period because they were antidilutive.

FEDERAL_INCOME_TAXES

FEDERAL INCOME TAXES	12 Months Ended
	Dec. 31, 2013
FEDERAL INCOME TAXES [Abstract]	'
FEDERAL INCOME TAXES	'
	NOTE 14 - FEDERAL INCOME TAXES
	Income tax expense (benefit) was as follows (dollars in thousands):
		2013			2012			2011
	Current	$	120		$	275		$	(198	)
	Deferred (benefit) expense		4,150			---			198
	Valuation allowance - change in estimate		---			(18,858	)		---
		$	4,270		$	(18,583	)	$	---
	The difference between the financial statement tax expense and amount computed by applying the statutory federal tax rate to pretax income was reconciled as follows (dollars in thousands):
		2013			2012			2011
	Statutory rate		35	%		35	%		35	%
	Statutory rate applied to income before taxes	$	4,837		$	5,917		$	2,040
	Add (deduct)
	Change in valuation allowance		---			(24,026	)		(1,624	)
	Tax-exempt interest income		(244	)		(103	)		(10	)
	Bank-owned life insurance		(250	)		(297	)		(330	)
	Other, net		(73	)		(74	)		(76	)
		$	4,270		$	(18,583	)	$	---
	The realization of deferred tax assets (net of a recorded valuation allowance) is largely dependent upon future taxable income, future reversals of existing taxable temporary differences and the ability to carryback losses to available tax years. In assessing the need for a valuation allowance, we consider positive and negative evidence, including taxable income in carry-back years, scheduled reversals of deferred tax liabilities, expected future taxable income and tax planning strategies.
	We established an $18.0 million valuation allowance on deferred tax assets in 2009 based primarily on our net operating losses for 2009 and 2008.
	Throughout 2012, the positive evidence increased, while the negative evidence decreased.  The most significant negative evidence at December 31, 2012 was the level of other real estate owned at $51.6 million, which was down $14.8 million from December 31, 2011.  We achieved our 11th consecutive quarter of profitability as of December 31, 2012.  With the positive results of the fourth quarter of 2012, we moved into a cumulative income position for the most recent three year period.  In the first quarter of 2012, the FDIC and DIFS terminated the Bank’s Consent Order and, in the fourth quarter of 2012, the FRB terminated its Written Agreement with the Company, reducing regulatory uncertainty.  Based on this, sustained improvement in asset quality and our projected results, our analysis at December 31, 2012 concluded that it was “more likely than not” that we would continue to produce earnings and that the positive evidence outweighed the negative evidence regarding our ability to utilize our deferred tax assets.  As such, the full valuation allowance of $18.9 million was reversed to federal income tax expense at December 31, 2012.  In the second quarter of 2013, the FDIC and DIFS released the Bank’s MOU and we achieved our 15th consecutive quarter of profitability in the fourth quarter of 2013.  We concluded that no valuation allowance on our net deferred tax asset was necessary at December 31, 2013.
	The net deferred tax asset recorded included the following amounts of deferred tax assets and liabilities (dollars in thousands):
		2013			2012
	Deferred tax assets
	Allowance for loan losses	$	7,279		$	8,309
	Nonaccrual loan interest		782			1,023
	Valuation allowance on other real estate owned		5,847			6,356
	Net operating loss carryforward		1,743			4,188
	Unrealized loss on securities available for sale		1,053			---
	Other		1,808			1,794
	Gross deferred tax assets		18,512			21,670
	Valuation allowance		---			---
	Total net deferred tax assets		18,512			21,670
	Deferred tax liabilities
	Depreciation		(1,620	)		(1,693	)
	Unrealized gain on securities available for sale		---			(517	)
	Prepaid expenses		(308	)		(308	)
	Other		(384	)		(372	)
	Gross deferred tax liabilities		(2,312	)		(2,890	)
	Net deferred tax asset	$	16,200		$	18,780
	At December 31, 2013, we had federal income tax net operating loss carry forwards of $5.0 million that expire through 2030.
	There were no unrecognized tax benefits at December 31, 2013 or 2012 and the Company does not expect the total amount of unrecognized tax benefits to significantly increase or decrease in the next twelve months. The Company is no longer subject to examination by the Internal Revenue Service for years before 2010.

COMMITMENTS_AND_OFFBALANCESHEE

COMMITMENTS AND OFF-BALANCE-SHEET RISK	12 Months Ended
	Dec. 31, 2013
COMMITMENTS AND OFF-BALANCE-SHEET RISK [Abstract]	'
COMMITMENTS AND OFF-BALANCE-SHEET RISK	'
	NOTE 15 – COMMITMENTS AND OFF BALANCE-SHEET RISK
	Some financial instruments are used to meet customer financing needs and to reduce exposure to interest rate changes.  These financial instruments include commitments to extend credit and standby letters of credit.  These involve, to varying degrees, credit and interest rate risk in excess of the amount reported in the financial statements.
	Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the commitment, and generally have fixed expiration dates.  Standby letters of credit are conditional commitments to guarantee a customer’s performance to a third party.  Exposure to credit loss if the other party does not perform is represented by the contractual amount for commitments to extend credit and standby letters of credit.  Collateral or other security is normally not obtained for these financial instruments prior to their use and many of the commitments are expected to expire without being used.
	A summary of the contractual amounts of financial instruments with off‑balance‑sheet risk was as follows at year-end (dollars in thousands):
		2013		2012
	Commitments to make loans	$	87,513	$	75,319
	Letters of credit		10,774		8,200
	Unused lines of credit		313,232		276,620
	The notional amount of commitments to fund mortgage loans to be sold into the secondary market was approximately $14.7 million and $26.9 million at December 31, 2013 and 2012, respectively.
	At year-end 2013, approximately 30% of the Bank’s commitments to make loans were at fixed rates, offered at current market rates.  The remainder of the commitments to make loans were at variable rates tied to the prime rate and generally expire within 30 days.  The majority of the unused lines of credit were at variable rates tied to the prime rate.

CONTINGENCIES

CONTINGENCIES	12 Months Ended
	Dec. 31, 2013
CONTINGENCIES [Abstract]	'
CONTINGENCIES	'
	NOTE 16 – CONTINGENCIES
	The Company and its subsidiaries periodically become defendants in certain claims and legal actions arising in the ordinary course of business. As of December 31, 2013, there were no material pending legal proceedings to which we or any of our subsidiaries are a party or which any of our properties are the subject.
	On January 27, 2014, the Company’s former Chairman and Chief Executive Officer, Mr. Benj. A. Smith III, commenced legal action against the Company claiming that the Company breached an alleged employment agreement pursuant to which he claims entitlement to $20,833 monthly for a period of six years from the date of his resignation in February 2009.  Mr. Smith’s complaint seeks damages in an unspecified amount in excess of $25,000.  The Company expects to vigorously contest the action.

SHAREHOLDERS_EQUITY

SHAREHOLDERS' EQUITY	12 Months Ended
	Dec. 31, 2013
SHAREHOLDERS' EQUITY [Abstract]	'
SHAREHOLDERS' EQUITY	'
	NOTE 17 – SHAREHOLDERS' EQUITY
	Subordinated Notes
	In 2009, the Company received proceeds of $1,650,000 from the issuance of unsecured subordinated debt in the form of 11% subordinated notes due in 2017. On August 13, 2013, the Company prepaid and redeemed all of the subordinated notes for $1,650,000 plus interest accrued through the prepayment date.
	Regulatory Capital
	The Company and the Bank are subject to regulatory capital requirements administered by federal banking agencies. Capital adequacy guidelines and prompt corrective action regulations involve quantitative measures of assets, liabilities, and certain off-balance-sheet items calculated under regulatory accounting practices. Capital amounts and classifications are also subject to qualitative judgments by regulators about components, risk weightings, and other factors and the regulators can lower classifications in certain cases. Failure to meet various capital requirements can initiate regulatory action that could have a direct material effect on the financial statements.
	The prompt corrective action regulations provide five categories, including well capitalized, adequately capitalized, undercapitalized, significantly undercapitalized, and critically undercapitalized, although these terms are not used to represent overall financial condition. If a bank is only adequately capitalized, regulatory approval is required to, among other things, accept, renew or roll-over brokered deposits. If a bank is undercapitalized, capital distributions and growth and expansion are limited, and plans for capital restoration are required.
	Actual capital levels (dollars in thousands) and minimum required levels were as follows at year-end:
											To Be Well
							Minimum Required				Capitalized Under
							For Capital				Prompt Corrective
			Actual				Adequacy Purposes				Action Regulations
			Amount		Ratio		Amount		Ratio		Amount		Ratio
	31-Dec-13
	Total capital (to risk weighted assets)
	Consolidated		$	174,433		15.00%	$	88,915		8.00%		N/A		N/A
	Bank			171,811		15.4		88,968		8	$	111,210		10	%
	Tier 1 capital (to risk weighted assets)
	Consolidated			160,455		14.4		44,457		4		N/A		N/A
	Bank			157,825		14.2		44,484		4		66,726		6
	Tier 1 capital (to average assets)
	Consolidated			160,455		10.6		60,482		4		N/A		N/
	Bank			157,825		10.5		60,407		4		75,509		5
	31-Dec-12
	Total capital (to risk weighted assets)
	Consolidated		$	168,929		15.00%	$	90,244		8.00%		N/A		N/A
	Bank			164,214		14.5		90,299		8	$	112,874		10	%
	Tier 1 capital (to risk weighted assets)
	Consolidated			150,857		13.4		45,122		4		N/A		N/A
	Bank			149,960		13.3		45,150		4		67,724		6
	Tier 1 capital (to average assets)
	Consolidated			150,857		10.4		58,312		4		N/A		N/A
	Bank (1)			149,960		10.3		58,371		4		72,964		5
		-1	The MOU in effect at December 31, 2012 required a capital level of 8.0%, or $116,742, which the Bank exceeded.
	Approximately $40.0 million and $37.7 million of trust preferred securities outstanding at December 31, 2013 and 2012, respectively, qualified as Tier 1 capital.
	The Bank was categorized as "well capitalized" at December 31, 2013 and 2012.
	On July 3, 2013, the FDIC Board of Directors approved the Regulatory Capital Interim Final Rule, implementing Basel III.  This rule redefines Tier 1 capital as two components (Common Equity Tier 1 and Additional Tier 1), creates a new capital ratio (Common Equity Tier 1 Risk-based Capital Ratio) and implements a capital conservation buffer.  It also revises the prompt corrective action thresholds and makes changes to risk weights for certain assets and off-balance-sheet exposures.  Banks are required to transition into the new rule beginning on January 1, 2015.  Based on our capital levels and balance sheet composition at December 31, 2013, we  believe implementation of the new rule will have no material impact on our capital needs.
	Issuance of Capital
	A summary of the capital instruments issued during recent years is as follows:
	Convertible Preferred Stock
	In 2008, the Company completed a private offering of 31,290 shares of 12.0% Series A Noncumulative Convertible Perpetual Preferred Stock (Series A Preferred Stock) with a liquidation preference of $1,000 per share, resulting in an aggregate liquidation preference of $31.3 million.  Proceeds of $30.6 million from issuance were net of $686,000 of costs.
	In 2009, the Company issued 2,600 shares of 9.0% Series B Noncumulative Convertible Perpetual Preferred Stock (Series B Preferred Stock) with a liquidation preference of $1,000 per share, resulting in an aggregate liquidation preference of $2.6 million.  Proceeds of $2.6 million from issuance were net of $40,000 of costs.
	On December 30, 2013, the Company completed the cancellation and exchange (the “Exchange”) of each share of issued and outstanding Series A and Series B Preferred Stock for shares of Company stock and, at the election of the holder, cash.  Pursuant to the Exchange, the Company canceled and exchanged each share of Preferred Stock for shares of Company common stock, no par value, in an amount equal to $1,000, the preferred stocks’ liquidation preference amount, divided by $5.25 plus, at the election of the holder, an amount of cash equal to $142.00, in the case of Series A Preferred Stock, or $182.00, in the case of Series B Preferred Stock, or a number of shares of Company common stock equal to this cash amount divided by $5.25.  The one-time cash payments approximated a 5.0% and 4.5% dividend rate for the Series A and Series B, respectively, after considering previous dividends paid and is considered an inducement payment.  The Exchange resulted in cash payments of $4.4 million for the Series A Preferred Stock and $319,000 for Series B Preferred Stock.  Under the accounting guidance for induced conversions of convertible preferred stock, the cash inducement payments were recorded as a reduction to common stock, rather than retained earnings,  as the Company had a retained deficit at December 30, 2013.
	In addition to the cash payment discussed above, the Exchange resulted in the issuance of 5,973,519 shares of Company common stock in exchange for the Series A Preferred Stock and 457,159 shares in exchange for the Series B Preferred Stock.   The total of the fair value of the new common shares issued and the $4.7 million inducement payment exceeded the fair value of the Preferred shares issuable according to the original conversion terms by $17.6 million, which amount is reflected as a reduction of net income available to common shares in the computation of earnings per share for the year ended December 31, 2013.
	Both the Series A and Series B Preferred Stock qualified as Tier I capital for the Company at December 31, 2012.
	Common Stock
	In order to temporarily replenish the Company’s liquidity pending the Company’s planned public offering of common stock, on April 21, 2011, the Company issued and sold a 2% Subordinated Note due in 2018 in the aggregate principal amount of $1,000,000 to a director of the Company. On June 29, 2011, the director executed his right to convert the 2% Subordinated Note into 491,830 shares of common stock.
	On June 7, 2011, the Company closed on a rights offering to existing shareholders, issuing 4,456,186 shares of common stock for $2.30 per share. On June 29, 2011, the Company closed on its public offering, issuing 4,456,186 shares of common stock for $2.30 per share.
	The net proceeds from the offerings and subordinated note conversion were $20.3 million. The Company contributed $10.0 million to the Bank on June 30, 2011 and held the remaining proceeds at the holding company.
	Warrants
	In 2009 the Company and Macatawa Bank entered into a Settlement and Release and Stock and Warrant Issuance Agreement in connection with legal precedings related to Trade Partners, Inc.  In connection with the Settlement, the Company issued warrants to purchase a total of 1,478,811 shares of common stock at an exercise price of $9.00 per share.  The fair value of the warrants issued was $806,000 and was recorded in Common Stock based upon $0.54 per warrant as determined using a Black-Scholes model.  The warrants expire on June 18, 2015 (five years after issuance).

CONDENSED_FINANCIAL_STATEMENTS

CONDENSED FINANCIAL STATEMENTS (PARENT COMPANY ONLY)	12 Months Ended
	Dec. 31, 2013
CONDENSED FINANCIAL STATEMENTS (PARENT COMPANY ONLY) [Abstract]	'
CONDENSED FINANCIAL STATEMENTS (PARENT COMPANY ONLY)	'
	NOTE 18 – CONDENSED FINANCIAL STATEMENTS (PARENT COMPANY ONLY)
	Following are condensed parent company only financial statements (dollars in thousands):
	CONDENSED BALANCE SHEETS
		2013			2012
	ASSETS
	Cash and cash equivalents	$	1,910		$	9,787
	Investment in Bank subsidiary		167,292			164,127
	Investment in other subsidiaries		1,504			1,654
	Other assets		3,272			2,532
	Total assets	$	173,978		$	178,100
	LIABILITIES AND SHAREHOLDERS' EQUITY
	Subordinated debt		---			1,650
	Long-term debt		41,238			41,238
	Other liabilities		218			4,705
	Total liabilities		41,456			47,593
	Total shareholders' equity		132,522			130,507
	Total liabilities and shareholders' equity	$	173,978		$	178,100
	CONDENSED STATEMENTS OF INCOME AND COMPREHENSIVE INCOME
		2013			2012			2011
	INCOME
	Dividends from subsidiaries	$	5,179		$	---		$	---
	Other		---			---			---
	Total income		5,179			---			---
	EXPENSE
	Interest expense		1,563			1,719			1,598
	Other expense		575			555			588
	Total expense		2,138			2,274			2,186
	Income (loss) before income tax and equity in undistributed earnings of subsidiaries		3,041			(2,274	)		(2,186	)
	Equity in undistributed earnings of subsidiaries		5,770			35,338			8,015
	Income before income tax		8,811			33,064			5,829
	Income tax benefit		(738	)		(2,426	)		---
	Net income	$	9,549		$	35,490		$	5,829
	Net income (loss) available to common shares	$	(8,026	)	$	35,490		$	5,829
	Comprehensive income	$	6,634		$	36,072		$	6,196
	CONDENSED STATEMENTS OF CASH FLOWS
		2013			2012			2011
	Cash flows from operating activities
	Net income	$	9,549		$	35,490		$	5,829
	Adjustments to reconcile net income to net cash from operating activities:
	Equity in undistributed earnings of subsidiaries		(5,770	)		(35,338	)		(8,015	)
	(Increase) decrease in other assets		(740	)		(2,424	)		428
	Increase (decrease) in other liabilities		(4,487	)		1,524			1,395
	Net cash from operating activities		(1,448	)		(748	)		(363	)
	Cash flows from investing activities
	Investment in subsidiaries		---			---			(10,000	)
	Net cash from investing activities		---			---			(10,000	)
	Cash flows from investing activities
	Proceeds from issuance of subordinated note and conversion to common stock		---			---			1,000
	Proceeds from issuance of common stock		---			---			19,319
	Redemption of subordinated debt		(1,650	)		---			---
	Repurchases of shares		(45	)		---			---
	Cash paid in preferred stock exchange		(4,734	)		---			---
	Net cash from financing activities		(6,429	)		---			20,319
	Net change in cash and cash equivalents		(7,877	)		(748	)		9,956
	Cash and cash equivalents at beginning of year		9,787			10,535			579
	Cash and cash equivalents at end of year	$	1,910		$	9,787		$	10,535
	Supplemental noncash disclosures:
	Conversion of subordinated note to 491,830 shares of common stock	$	---		$	---		$	1,003
	Conversion of 300 shares of Preferred Series B to 50,000 shares of common stock		300			---			---
	Exchange of 31,290 shares of Preferred Series A to 5,973,519 shares of common stock		30,604			---			---
	Exchange of 2,300 shares of Preferred Series B to 457,159 shares of common stock		2,260			---			---

QUARTERLY_FINANCIAL_DATA_Unaud

QUARTERLY FINANCIAL DATA (Unaudited)	12 Months Ended
	Dec. 31, 2013
QUARTERLY FINANCIAL DATA (Unaudited) [Abstract]	'
QUARTERLY FINANCIAL DATA (Unaudited)	'
	NOTE 19 – QUARTERLY FINANCIAL DATA (Unaudited)
	(Dollars in thousands except per share data)
											Earnings (Loss) Per Common Share
		Interest Income		Net Interest Income		Provision for Loan Losses			Net Income		Basic			Diluted
	2013
	First quarter	$	12,433	$	10,483	$	(750	)	$	2,473	$	0.09		$	0.09
	Second quarter		12,307		10,464		(1,000	)		2,603		0.1			0.1
	Third quarter		11,919		10,124		(1,500	)		2,238		0.08			0.08
	Fourth quarter		11,961		10,212		(1,000	)		2,234		(0.56	)		(0.56	)
	2012
	First quarter	$	14,099	$	11,281	$	(3,600	)	$	4,485	$	0.17		$	0.17
	Second quarter		13,900		11,322		(1,750	)		3,186		0.12			0.12
	Third quarter		16,269		13,892		(1,250	)		6,585		0.24			0.24
	Fourth quarter		13,009		10,968		(500	)		21,234		0.78			0.78
	Fourth quarter 2013 loss per common share includes the impact of the induced exchange of preferred stock.  During the first quarter of 2012, we collected $4.4 million on a previously charged off loan, resulting in the large negative provision for loan losses.  During the third quarter of 2012, we collected a $2.8 million prepayment fee, positively impacting interest income, net interest income and net income.  During the fourth quarter of 2012, we reversed our deferred tax asset valuation allowance, increasing net income by $18.9 million.

SUMMARY_OF_SIGNIFICANT_ACCOUNT1

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies)	12 Months Ended
	Dec. 31, 2013
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]	'
Nature of Operations and Principles of Consolidation	'
	Nature of Operations and Principles of Consolidation: The accompanying consolidated financial statements include the accounts of Macatawa Bank Corporation ("Macatawa" or the "Company") and its wholly-owned subsidiary, Macatawa Bank (the "Bank").  All significant intercompany accounts and transactions have been eliminated in consolidation.
	Macatawa Bank is a Michigan chartered bank with depository accounts insured by the Federal Deposit Insurance Corporation. The Bank operates 26 full service branch offices providing a full range of commercial and consumer banking and trust services in Kent County, Ottawa County, and northern Allegan County, Michigan.
	The Company owns all of the common securities of Macatawa Statutory Trust I and Macatawa Statutory Trust II.  These are grantor trusts that issued trust preferred securities and are discussed in a separate note.  Under generally accepted accounting principles, these trusts are not consolidated into the financial statements of the Company.
Regulatory Developments	'
	Regulatory Developments:
	On April 12, 2013, the Federal Deposit Insurance Corporation (“FDIC”) and the Michigan Department of Insurance and Financial Services (“DIFS”), the primary banking regulators of the Bank, notified the Bank that the Bank’s Memorandum of Understanding (“MOU”) with the FDIC and DIFS had served its purpose and was released.  As a result, the Bank is no longer subject to any regulatory order, memorandum of understanding or other similar regulatory directive or proceeding and has returned to a normal regulatory operating environment.
	In connection with the termination of the Company’s Written Agreement by the Federal Reserve Bank of Chicago (“FRB”) on October 26, 2012, the Board of Directors of the Company adopted a resolution (the “Board Resolution”) requiring the Company to obtain written approval from the FRB before declaring or paying any dividends, increasing holding company debt, or redeeming any capital stock.  By letter dated August 1, 2013, the FRB advised the Company that, based on the overall satisfactory condition of the organization, the FRB poses no objection should the Board of Directors choose to rescind the Board Resolution. Accordingly, the Company's Board of Directors rescinded the Board Resolution as of August 1, 2013.
Use of Estimates	'
	Use of Estimates:  To prepare financial statements in conformity with accounting principles generally accepted in the United States of America, management makes estimates and assumptions based on available information.  These estimates and assumptions affect the amounts reported in the financial statements and the disclosures provided, and future results could differ.  The allowance for loan losses, valuation of deferred tax assets, loss contingencies, fair value of other real estate owned and fair values of financial instruments are particularly subject to change.
Concentration of Credit Risk	'
	Concentration of Credit Risk:  Loans are granted to, and deposits are obtained from, customers primarily in the western Michigan area as described above.  Substantially all loans are secured by specific items of collateral, including residential real estate, commercial real estate, commercial assets and consumer assets.  Commercial real estate loans are the largest concentration, comprising 45% of total loans.  Commercial and industrial loans total 26%, while residential real estate and consumer loans make up the remaining 28%.  Other financial instruments, which potentially subject the Company to concentrations of credit risk, include deposit accounts in other financial institutions.
Cash Flow Reporting	'
	Cash Flow Reporting:  Cash and cash equivalents include cash on hand, demand deposits with other financial institutions and short-term securities (securities with maturities equal to or less than 90 days and federal funds sold).  Cash flows are reported net for customer loan and deposit transactions, interest-bearing time deposits with other financial institutions and short-term borrowings with maturities of 90 days or less.
Securities	'
	Securities:  Securities are classified as held to maturity and carried at amortized cost when management has the positive intent and ability to hold them to maturity.  Securities available for sale consist of those securities which might be sold prior to maturity due to changes in interest rates, prepayment risks, yield and availability of alternative investments, liquidity needs or other factors.  Securities classified as available for sale are reported at their fair value and the related unrealized holding gain or loss is reported in other comprehensive income, net of tax.
	Interest income includes amortization of purchase premium or discount.  Premiums and discounts on securities are amortized on the level yield method without anticipating prepayments.  Gains and losses on sales are based on the amortized cost of the security sold.
	Management evaluates securities for other-than-temporary impairment ("OTTI") at least on a quarterly basis, and more frequently when economic or market conditions warrant such an evaluation.  Investment securities classified as available for sale or held-to-maturity are generally evaluated for OTTI under ASC Topic 320, Investments — Debt and Equity Instruments.
	In determining OTTI, management considers many factors, including: (1) the length of time and the extent to which the fair value has been less than cost, (2) the financial condition and near-term prospects of the issuer, (3) whether the market decline was affected by macroeconomic conditions, and (4) whether the entity has the intent to sell the debt security or more likely than not will be required to sell the debt security before its anticipated recovery. The assessment of whether an other-than-temporary decline exists involves a high degree of subjectivity and judgment and is based on the information available to management at a point in time. Management has determined that no OTTI charges were necessary during 2013, 2012 and 2011.
Federal Home Loan Bank (FHLB) Stock	'
	Federal Home Loan Bank (FHLB) Stock:  The Bank is a member of the FHLB system.  Members are required to own a certain amount of stock based on the level of borrowings and other factors, and may invest in additional amounts.  FHLB stock is carried at cost, classified as a restricted security, and periodically evaluated for impairment.  Because this stock is viewed as a long term investment, impairment is based on ultimate recovery of par value.  Management has determined that there is no impairment of FHLB stock.  Both cash and stock dividends are reported as income.
Loans Held for Sale	'
	Loans Held for Sale:  Mortgage loans originated and intended for sale in the secondary market are carried at fair value, as determined by outstanding commitments from investors.  As of December 31, 2013 and 2012, these loans had a net unrealized gain of $42,000 and $195,000, respectively, which are reflected in their carrying value.  Changes in fair value of loans held for sale are included in net gains on mortgage loans.  Loans are sold servicing released; therefore no mortgage servicing right assets are established.
Loans	'
	Loans:  Loans that management has the intent and ability to hold for the foreseeable future or until maturity or payoff are reported at the principal balance outstanding, net of unearned interest, deferred loan fees and costs and an allowance for loan losses.
	Interest income is accrued on the unpaid principal balance.  Loan origination fees, net of certain direct origination costs, are deferred and recognized in interest income over the respective term of the loan using the level‑yield method without anticipating prepayments.
	Interest income on mortgage and commercial loans is discontinued at the time the loan is 90 days delinquent unless the loan is well-secured and in process of collection.  Consumer loans are typically charged off no later than 120 days past due.  Past due status is based on the contractual terms of the loan.  In all cases, loans are placed on nonaccrual or charged-off at an earlier date if collection of principal or interest is considered doubtful.  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.
	All interest accrued but not received for loans placed on nonaccrual is reversed against interest income.  Interest received on such loans is accounted for on the cash-basis or cost‑recovery method, until qualifying for return to accrual.  Loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured.
Allowance for Loan Losses	'
	Allowance for Loan Losses:  The allowance for loan losses is a valuation allowance for probable incurred credit losses, increased by the provision for loan losses and recoveries, and decreased by charge-offs of loans.  Management believed the estimated allowance for loan losses to be adequate based on known and inherent risks in the portfolio, past loan loss experience, information about specific borrower situations and estimated collateral values, economic conditions and other factors.  Allocations of the allowance may be made for specific loans, but the entire allowance is available for any loan that, in management’s judgment, should be charged-off.  Loan losses are charged against the allowance when management believes the uncollectibility of a loan balance is confirmed.
	The allowance consists of specific and general components.  The specific component relates to loans that are individually classified as impaired.  The general component covers non-classified loans and is based on historical loss experience adjusted for current qualitative environmental factors.  The Company maintains a loss migration analysis that tracks loan losses and recoveries based on loan class as well as the loan risk grade assignment for commercial loans.  At December 31, 2013, an 18 month (six quarter) annualized historical loss experience was used for commercial loans and a 12 month (four quarter) historical loss experience period was applied to residential mortgage and consumer loan portfolios.  These historical loss percentages are adjusted (both upwards and downwards) for certain qualitative environmental factors, including economic trends, credit quality trends, valuation trends, concentration risk, quality of loan review, changes in personnel, external factors and other considerations.
	A loan is impaired when, based on current information and events, it is believed to be probable that the Company will be unable to collect all amounts due according to the contractual terms of the loan agreement.  Loans for which the terms have been modified and for which the borrower is experiencing financial difficulties, are considered troubled debt restructurings and classified as impaired.
	Commercial and commercial real estate loans with relationship balances exceeding $500,000 and an internal risk grading of 6 or worse are evaluated for impairment.  If a loan is impaired, a portion of the allowance is allocated so that the loan is reported, net, at the present value of estimated future cash flows using the loan’s existing interest rate or at the fair value of collateral, less estimated costs to sell, if repayment is expected solely from the collateral.  Large groups of smaller balance homogeneous loans, such as consumer and residential real estate loans are collectively evaluated for impairment and, accordingly, they are not separately identified for impairment disclosures.
	Troubled debt restructurings are also considered impaired with impairment generally measured at the present value of estimated future cash flows using the loan’s effective rate at inception or using the fair value of collateral, less estimated costs to sell, if repayment is expected solely from the collateral.
Transfers of Financial Assets	'
	Transfers of Financial Assets:  Transfers of financial assets are accounted for as sales, when control over the assets has been relinquished.  Control over transferred assets is deemed to be surrendered when the assets have been isolated from the Company, the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets, and the Company does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity.
Foreclosed Assets	'
	Foreclosed Assets:  Assets acquired through or instead of loan foreclosure, primarily other real estate owned, are initially recorded at fair value less estimated costs to sell when acquired, establishing a new cost basis.  If fair value declines, a valuation allowance is recorded through expense.  Costs after acquisition are expensed unless they add value to the property.
Premises and Equipment	'
	Premises and Equipment:  Land is carried at cost.  Premises and equipment are stated at cost less accumulated depreciation.  Buildings and related components are depreciated using the straight‑line method with useful lives ranging from 5 to 40 years.  Furniture, fixtures and equipment are depreciated using the straight-line method with useful lives ranging from 3 to 15 years.  Maintenance, repairs and minor alterations are charged to current operations as expenditures occur and major improvements are capitalized.
Bank-Owned Life Insurance (BOLI)	'
	Bank-Owned Life Insurance (BOLI):  The Bank has purchased life insurance policies on certain officers. Bank-owned life insurance is recorded at its currently realizable cash surrender value.  Changes in cash surrender value are recorded in other income.
Goodwill and Acquired Intangible Assets	'
	Goodwill and Acquired Intangible Assets:  Goodwill resulting from business combinations represents the excess of the purchase price over the fair value of the net assets of businesses acquired.  Goodwill and intangible assets acquired in a purchase business combination and determined to have an indefinite useful life are not amortized, but tested for impairment at least annually.  Intangible assets with definite useful lives are amortized over their estimated useful lives to their estimated residual values.  The Company had no goodwill at December 31, 2013 and 2012.
	Acquired intangible assets consist of core deposit and customer relationship intangible assets arising from acquisitions.  They are initially measured at fair value and then are amortized on an accelerated method over their estimated useful lives, which range from ten to sixteen years.  The Company had a core deposit intangible asset with a balance of $64,000 at December 31, 2011 which was fully amortized at December 31, 2013 and 2012.
Long-term Assets	'
	Long-term Assets:  Premises and equipment and other long-term assets are reviewed for impairment when events indicate their carrying amount may not be recoverable from future undiscounted cash flows.  If impaired, the assets are recorded at fair value.
Loan Commitments and Related Financial Instruments	'
	Loan Commitments and Related Financial Instruments:  Financial instruments include off-balance sheet credit instruments, such as commitments to make loans and commercial letters of credit, issued to meet customer financing needs.  The face amount for these items represents the exposure to loss, before considering customer collateral or ability to repay.  Such financial instruments are recorded when they are funded.
Mortgage Banking Derivatives	'
	Mortgage Banking Derivatives:  Commitments to fund mortgage loans (interest rate locks) to be sold into the secondary market and forward commitments for the future delivery of these mortgage loans are accounted for as derivatives not qualifying for hedge accounting.  Fair values of these mortgage derivatives are estimated based on changes in mortgage interest rates from the date the interest on the loan is locked.  At times, the Company enters into forward commitments for the future delivery of mortgage loans when interest rate locks are entered into, in order to hedge the change in interest rates resulting from its commitments to fund the loans.
	Changes in the fair values of these interest rate lock and forward commitment derivatives are included in net gains on mortgage loans.  The net fair value of mortgage banking derivatives was approximately $51,000 and $15,000 at December 31, 2013 and 2012, respectively.
Derivative	'
	Derivatives:  Certain of our commercial loan customers have entered into interest rate swap agreements directly with the Bank.  At the same time the Bank enters into a swap agreement with its customer, the Bank enters into a corresponding interest rate swap agreement with a correspondent bank at terms mirroring the Bank’s interest rate swap with its commercial loan customer.   This is known as a back-to-back swap agreement.  Under this arrangement the Bank has two freestanding interest rate swaps, both of which are carried at fair value.  As the terms mirror each other, there is no income statement impact to the Bank.  At December 31, 2013, the total notional amount of such agreements was $20.0 million and resulted in a derivative asset with a fair value of $94,000 which was included in other assets and a derivative liability of $94,000 which was included in other liabilities.
Income Taxes	'
	Income Taxes:  Income tax expense is the sum of the current year income tax due or refundable and the change in deferred tax assets and liabilities.  Deferred tax assets and liabilities are the expected future tax consequences of temporary differences between the carrying amounts and tax bases of assets and liabilities, computed using enacted tax rates.  A valuation allowance, if needed, reduces deferred tax assets to the amount expected to be realized.
	The Company recognizes a tax position as a benefit only if it is "more likely than not" that the tax position would be sustained in a tax examination, with a tax examination being presumed to occur.  The amount recognized is the largest amount of tax benefit that is greater than 50% likely of being realized on examination.  For tax positions not meeting the "more likely than not" test, no tax benefit is recorded.
	The Company recognizes interest and/or penalties related to income tax matters in income tax expense.
Earnings Per Common Share	'
	Earnings Per Common Share:  Basic earnings per common share is net income divided by the weighted average number of common shares outstanding during the period.  All outstanding unvested restricted stock awards that contain rights to nonforfeitable dividends are considered participating securities for this calculation.  Diluted earnings per common share includes the dilutive effect of additional potential common shares issuable under stock options and the conversion of the Company’s convertible preferred stock (for periods before the fourth quarter of 2013 when the convertible preferred stock was exchanged for common stock).   In the event of a net loss, our unvested restricted stock awards are excluded from both basic and diluted earnings per share.
Comprehensive Income (Loss)	'
	Comprehensive Income (Loss):  Comprehensive income (loss) consists of net income and other comprehensive income (loss).  Other comprehensive income (loss) includes unrealized gains and losses on securities available for sale.
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.
Restrictions on Cash	'
	Restrictions on Cash:  Cash on hand or on deposit with the Federal Reserve Bank of $4,417,000 and $4,534,000 at December 31, 2013 and 2012, respectively, was required to meet regulatory reserve and clearing requirements.
Stock Splits and Dividends	'
	Stock Splits and Dividends:  Stock dividends in excess of 20% are reported by transferring the par value of the stock issued from retained earnings to common stock.  Stock dividends for 20% or less are reported by transferring the fair value, as of the ex‑dividend date, of the stock issued from retained earnings to common stock and additional paid‑in capital.  Fractional share amounts are paid in cash with a reduction in retained earnings. All share and per share amounts are retroactively adjusted for stock splits and dividends.
Dividend Restriction	'
	Dividend Restriction:  Banking regulations require maintaining certain capital levels and impose limitations on dividends paid by the Bank to the Company and by the Company to shareholders.
Fair Values of Financial Instruments	'
	Fair Values of Financial Instruments:  Fair values of financial instruments are estimated using relevant market information and other assumptions, as more fully disclosed separately.  Fair value estimates involve uncertainties and matters of significant judgment regarding interest rates, credit risk, prepayments and other factors, especially in the absence of broad markets for particular items.  Changes in assumptions or in market conditions could significantly affect the estimates.  The fair value estimates of existing on-and off-balance sheet financial instruments do not include the value of anticipated future business or the values of assets and liabilities not considered financial instruments.
Segment Reporting	'
	Segment Reporting:  The Company, through the branch network of the Bank, provides a broad range of financial services to individuals and companies in western Michigan.  These services include demand, time and savings deposits; lending; ATM and debit card processing; cash management; and trust and brokerage services.  While the Company’s management team monitors the revenue streams of the various Company products and services, operations are managed and financial performance is evaluated on a Company-wide basis.  Accordingly, all of the Company’s banking operations are considered by management to be aggregated in one operating segment – commercial banking.
Reclassifications	'
	Reclassifications:  Some items in the prior year financial statements were reclassified to conform to the current presentation.
Adoption of New Accounting Standards	'
	Adoption of New Accounting Standards: The Financial Accounting Standards Board (“FASB”) has issued ASU 2013-02, Comprehensive Income (Topic 220): Reporting of Amounts Reclassified Out of Accumulated Other Comprehensive Income.  This ASU is intended to improve the reporting of reclassifications out of accumulated other comprehensive income.  The ASU requires an entity to report, either on the face of the statement where net income is presented or in the notes to the financial statements, the effect of significant reclassifications out of accumulated other comprehensive income on the respective line items in net income if the amount being reclassified is required under U.S. GAAP to be reclassified in their entirety to net income.  For other amounts that are not required under U.S. GAAP to be reclassified in their entirety to net income in the same reporting period, an entity is required to cross-reference other disclosures required under U.S. GAAP that provide additional detail about those amounts.  The amendments in this ASU apply to all entities that issue financial statements that are presented in conformity with U.S. GAAP and that report items of other comprehensive income.  For public entities, the amendments in this ASU are effective prospectively for reporting periods beginning after December 15, 2012.  The Company adopted this ASU on January 1, 2013 by including the required disclosures in Note 2 to the consolidated financial statements.
	Newly Issued Not Yet Effective Standards:  FASB has issued Accounting Standards Update (ASU) No. 2014-04, Receivables - Troubled Debt Restructurings by Creditors (Subtopic 310-40) - Reclassification of Residential Real Estate Collateralized Consumer Mortgage Loans upon Foreclosure. The amendments are intended to clarify when a creditor should be considered to have received physical possession of residential real estate property collateralizing a consumer mortgage loan such that the loan should be derecognized and the real estate recognized.  These amendments clarify that an in substance repossession or foreclosure occurs, and a creditor is considered to have received physical possession of residential real estate property collateralizing a consumer mortgage loan, upon either: (a) the creditor obtaining legal title to the residential real estate property upon completion of a foreclosure; or (b) the borrower conveying all interest in the residential real estate property to the creditor to satisfy that loan through completion of a deed in lieu of foreclosure or through a similar legal agreement. Additional disclosures are required.  The amendments are effective for  annual periods and interim periods within those annual periods beginning after December 15, 2014. The impact of adoption of this ASU by the Company is not expected to be material.

SECURITIES_Tables

SECURITIES (Tables)	12 Months Ended
	Dec. 31, 2013
SECURITIES [Abstract]	'
Amortized cost and fair value of securities	'
	The amortized cost and fair value of securities at year-end were as follows (dollars in thousands):
						Gross				Gross
			Amortized			Unrealized				Unrealized				Fair
			Cost			Gains				Losses				Value
	2013
	Available for Sale:
	U.S. Treasury and federal agency securities		$	55,701		$	92			$	(1,354	)		$	54,439
	U.S. Agency MBS and CMOs			20,029			9				(673	)			19,365
	Tax-exempt state and municipal bonds			27,920			47				(1,118	)			26,849
	Taxable state and municipal bonds			26,306			307				(285	)			26,328
	Corporate bonds and other debt securities			11,211			64				(63	)			11,212
	Other equity securities			1,500			---				(34	)			1,466
			$	142,667		$	519			$	(3,527	)		$	139,659
	Held to Maturity
	State and municipal bonds		$	19,248		$	46			$	(16	)		$	19,278
	2012
	Available for Sale:
	U.S. Treasury and federal agency securities		$	42,245		$	340			$	(21	)		$	42,564
	U. S. Agency MBS and CMOs			23,495			272				(6	)			23,761
	Tax-exempt state and municipal bonds			20,598			244				(49	)			20,793
	Taxable state and municipal bonds			26,726			619				(49	)			27,296
	Corporate bonds			7,456			77				(7	)			7,526
	Other equity securities			1,500			57				---				1,557
			$	122,020		$	1,609			$	(132	)		$	123,497
	Held to Maturity:
	State and municipal bonds		$	4,300		$	1			$	---			$	4,301
Contractual maturities of debt securities	'
	Contractual maturities of debt securities at December 31, 2013 were as follows (dollars in thousands):
		Held–to-Maturity Securities							Available-for-Sale Securities
		Amortized			Fair				Amortized				Fair
		Cost			Value				Cost				Value
	Due in one year or less		$	12,655		$	12,676			$	7,891			$	7,956
	Due from one to five years			625			624				57,365				57,312
	Due from five to ten years			5,688			5,693				49,436				47,600
	Due after ten years			280			285				26,475				25,325
			$	19,248		$	19,278			$	141,167			$	138,193
Securities in continuous unrealized loss position	'
	Securities with unrealized losses at December 31, 2013 and 2012, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position, are as follows (dollars in thousands):
			Less than 12 Months							12 Months or More							Total
			Fair			Unrealized				Fair				Unrealized			Fair		Unrealized
	31-Dec-13		Value			Loss				Value				Loss			Value		Loss
	U.S. Treasury and federal agency securities		$	43,212		$	(1,354	)		$	---			$	---		$	43,212	$	(1,354	)
	U.S. Agency MBS and CMOs			18,494			(673	)			---				---			18,494		(673	)
	Tax-exempt state and municipal bonds			21,359			(1,066	)			831				(68	)		22,190		(1,134	)
	Taxable state and municipal bonds			9,599			(256	)			1,015				(29	)		10,614		(285	)
	Corporate bonds and other debt securities			3,928			(63	)			---				---			3,928		(63	)
	Other equity securities			1,466			(34	)			---				---			1,466		(34	)
	Total temporarily impaired		$	98,058		$	(3,446	)		$	1,846			$	(97	)	$	99,904	$	(3,543	)
			Less than 12 Months							12 Months or More							Total
			Fair			Unrealized				Fair				Unrealized			Fair		Unrealized
	31-Dec-12		Value			Loss				Value				Loss			Value		Loss
	U.S. Treasury and federal agency securities		$	10,977		$	(21	)		$	---			$	---		$	10,977	$	(21	)
	U.S. Agency MBS and CMOs			3,373			(6	)			---				---			3,373		(6	)
	Tax-exempt state and municipal bonds			4,613			(49	)			---				---			4,613		(49	)
	Taxable state and municipal bonds			4,661			(49	)			---				---			4,661		(49	)
	Corporate bonds			3,945			(7	)			---				---			3,945		(7	)
	Other equity securities			---			---				---				---			---		---
	Total temporarily impaired		$	27,569		$	(132	)		$	---			$	---		$	27,569	$	(132	)

LOANS_Tables

LOANS (Tables)	12 Months Ended
	Dec. 31, 2013
LOANS [Abstract]	'
Year-end portfolio loans	'
	Portfolio loans were as follows (dollars in thousands):
			December 31,				December 31,
			2013				2012
	Commercial and industrial		$	274,099			$	259,700
	Commercial real estate:
	Residential developed			18,130				26,090
	Unsecured to residential developers			7,315				5,547
	Vacant and unimproved			42,988				56,525
	Commercial development			2,434				1,799
	Residential improved			76,294				75,813
	Commercial improved			247,195				255,738
	Manufacturing and industrial			77,984				81,447
	Total commercial real estate			472,340				502,959
	Consumer
	Residential mortgage			188,648				182,625
	Unsecured			1,337				1,683
	Home equity			95,961				92,764
	Other secured			9,992				12,617
	Total consumer			295,938				289,689
	Total loans			1,042,377				1,052,348
	Allowance for loan losses			(20,798	)			(23,739	)
			$	1,021,579			$	1,028,609
Activity in allowance for loan losses by portfolio segment	'
	The following tables present the activity in the allowance for loan losses by portfolio segment for the years ended December 31, 2013, 2012 and 2011 (dollars in thousands):
			Commercial and				Commercial
	2013		Industrial				Real Estate				Consumer				Unallocated			Total
	Beginning balance		$	6,459			$	13,457			$	3,787			$	36		$	23,739
	Charge-offs			(317	)			(1,065	)			(822	)			---			(2,204	)
	Recoveries			1,134				2,141				238				---			3,513
	Provision for loan losses			(1,102	)			(3,665	)			500				17			(4,250	)
	Ending Balance		$	6,174			$	10,868			$	3,703			$	53		$	20,798
		Commercial and				Commercial
	2012	Industrial				Real Estate				Consumer				Unallocated			Total
	Beginning balance		$	6,313			$	20,475			$	4,821			$	32		$	31,641
	Charge-offs			(1,245	)			(3,206	)			(3,045	)			---			(7,496	)
	Recoveries			547				5,840				307				---			6,694
	Provision for loan losses			844				(9,652	)			1,704				4			(7,100	)
	Ending Balance		$	6,459			$	13,457			$	3,787			$	36		$	23,739
			Commercial and				Commercial
	2011		Industrial				Real Estate				Consumer				Unallocated			Total
	Beginning balance		$	7,012			$	34,973			$	5,415			$	26		$	47,426
	Charge-offs			(2,935	)			(10,981	)			(2,535	)			---			(16,451	)
	Recoveries			1,727				3,343				296				---			5,366
	Provision for loan losses			509				(6,860	)			1,645				6			(4,700	)
	Ending Balance		$	6,313			$	20,475			$	4,821			$	32		$	31,641
Allowance for loan losses and recorded investment in loans by portfolio segment based on impairment method	'
	The following table presents the balance in the allowance for loan losses and the recorded investment in loans by portfolio segment and based on impairment method (dollars in thousands):
			Commercial and				Commercial
	December 31, 2013:		Industrial				Real Estate				Consumer				Unallocated			Total
	Allowance for loan losses:
	Ending allowance attributable to loans:
	Individually reviewed for impairment		$	1,981			$	1,008			$	881			$	---		$	3,870
	Collectively evaluated for impairment			4,193				9,860				2,822				53			16,928
	Total ending allowance balance		$	6,174			$	10,868			$	3,703			$	53		$	20,798
	Loans:
	Individually reviewed for impairment		$	13,155			$	41,285			$	14,483			$	---		$	68,923
	Collectively evaluated for impairment			260,944				431,055				281,455				---			973,454
	Total ending loans balance		$	274,099			$	472,340			$	295,938			$	---		$	1,042,377
			Commercial and				Commercial
	December 31, 2012:		Industrial				Real Estate				Consumer				Unallocated			Total
	Allowance for loan losses:
	Ending allowance attributable to loans:
	Individually reviewed for impairment		$	2,920			$	2,418			$	716			$	---		$	6,054
	Collectively evaluated for impairment			3,539				11,039				3,071				36			17,685
	Total ending allowance balance		$	6,459			$	13,457			$	3,787			$	36		$	23,739
	Loans:
	Individually reviewed for impairment		$	14,390			$	54,831			$	14,086			$	---		$	83,307
	Collectively evaluated for impairment			245,310				448,128				275,603				---			969,041
	Total ending loans balance		$	259,700			$	502,959			$	289,689			$	---		$	1,052,348
Loans individually evaluated for impairment by class of loans	'
	The following table presents loans individually evaluated for impairment by class of loans as of December 31, 2013 (dollars in thousands):
			Unpaid
			Principal				Recorded				Allowance
			Balance				Investment				Allocated
	With no related allowance recorded:
	Commercial and industrial		$	3,287			$	3,284			$	---
	Commercial real estate:
	Residential developed			5,273				4,340				---
	Unsecured to residential developers			---				---				---
	Vacant and unimproved			3				3				---
	Commercial development			362				362				---
	Residential improved			1,493				1,493				---
	Commercial improved			2,797				2,272				---
	Manufacturing and industrial			252				252				---
				10,180				8,722				---
	Consumer:
	Residential mortgage			---				---				---
	Unsecured			---				---				---
	Home equity			---				---				---
	Other secured			---				---				---
				---				---				---
			$	13,467			$	12,006			$	---
	With an allowance recorded:
	Commercial and industrial		$	9,871			$	9,871			$	1,981
	Commercial real estate:
	Residential developed			618				618				33
	Unsecured to residential developers			---				---				---
	Vacant and unimproved			1,900				1,900				47
	Commercial development			207				207				5
	Residential improved			9,534				9,534				342
	Commercial improved			14,450				14,450				479
	Manufacturing and industrial			5,854				5,854				102
				32,563				32,563				1,008
	Consumer:
	Residential mortgage			9,454				9,454				575
	Unsecured			---				---				---
	Home equity			5,029				5,029				306
	Other secured			---				---				---
				14,483				14,483				881
			$	56,917			$	56,917			$	3,870
	Total		$	70,384			$	68,923			$	3,870
	The following table presents loans individually evaluated for impairment by class of loans as of December 31, 2012 (dollars in thousands):
			Unpaid
			Principal				Recorded				Allowance
			Balance				Investment				Allocated
	With no related allowance recorded:
	Commercial and industrial		$	2,515			$	2,512			$	---
	Commercial real estate:
	Residential developed			7,136				6,283				---
	Unsecured to residential developers			---				---				---
	Vacant and unimproved			2,321				2,136				---
	Commercial development			213				213				---
	Residential improved			3,293				3,019				---
	Commercial improved			7,268				6,127				---
	Manufacturing and industrial			3,686				3,686				---
				23,917				21,464				---
	Consumer:
	Residential mortgage			4,614				3,062				---
	Unsecured			---				---				---
	Home equity			---				---				---
	Other secured			---				---				---
				4,614				3,062				---
			$	31,046			$	27,038			$	---
With an allowance recorded:
Commercial and industrial		$	11,878			$	11,878			$	2,920
Commercial real estate:
Residential developed			1,524				1,524				337
Unsecured to residential developers			---				---				---
Vacant and unimproved			1,688				1,688				34
Commercial development			---				---				---
Residential improved			10,063				10,063				842
Commercial improved			15,386				15,386				1,071
Manufacturing and industrial			4,706				4,706				134
			33,367				33,367				2,418
Consumer:
Residential mortgage			10,220				10,220				664
Unsecured			---				---				---
Home equity			804				804				52
Other secured			---				---				---
			11,024				11,024				716
		$	56,269			$	56,269			$	6,054
Total		$	87,315			$	83,307			$	6,054
Average balances of impaired loans and interest recognized on impaired loans	'
	The following table presents information regarding average balances of impaired loans and interest recognized on impaired loans for the years ended December 31, 2013, 2012 and 2011 (dollars in thousands):
			2013				2012				2011
	Average of impaired loans during the period:
	Commercial and industrial		$	14,333			$	14,928			$	7,622
	Commercial real estate:
	Residential developed			6,357				8,162				12,509
	Unsecured to residential developers			---				---				559
	Vacant and unimproved			2,804				3,851				5,710
	Commercial development			398				216				407
	Residential improved			11,549				13,192				9,721
	Commercial improved			20,191				17,975				18,195
	Manufacturing and industrial			6,305				9,125				7,335
	Consumer			14,532				15,857				12,433
	Interest income recognized during impairment:
	Commercial and industrial			1,278				1,291				464
	Commercial real estate			1,974				2,736				2,039
	Consumer			537				538				413
	Cash-basis interest income recognized
	Commercial and industrial			1,273				1,295				536
	Commercial real estate			1,971				2,740				1,997
	Consumer			532				550				406
Recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans	'
	The following tables present the recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans as of December 31, 2013 and 2012:
							Over 90
							days
	31-Dec-13		Nonaccrual				Accruing
	Commercial and industrial		$	5,625			$	---
	Commercial real estate:
	Residential developed			2,590				153
	Unsecured to residential developers			---				---
	Vacant and unimproved			---				---
	Commercial development			23				---
	Residential improved			429				---
	Commercial improved			2,511				---
	Manufacturing and industrial			---				---
				5,553				153
	Consumer:
	Residential mortgage			639				---
	Unsecured			33				---
	Home equity			332				---
	Other secured			---				---
				1,004				---
	Total		$	12,182			$	153
							Over 90
							days
	31-Dec-12		Nonaccrual				Accruing
	Commercial and industrial		$	7,657			$	---
	Commercial real estate:
	Residential developed			3,024				---
	Unsecured to residential developers			---				---
	Vacant and unimproved			706				---
	Commercial development			2				196
	Residential improved			1,159				---
	Commercial improved			1,521				422
	Manufacturing and industrial			225				---
				6,637				618
	Consumer:
	Residential mortgage			447				---
	Unsecured			19				---
	Home equity			625				---
	Other secured			---				---
				1,091				---
	Total		$	15,385			$	618
Aging of recorded investment in past due loans by class of loans	'
	The following table presents the aging of the recorded investment in past due loans as of December 31, 2013 by class of loans (dollars in thousands):
			30-90				Greater Than				Total				Loans Not
			Days				90 Days				Past Due				Past Due			Total
	Commercial and industrial		$	---			$	---			$	---			$	274,099		$	274,099
	Commercial real estate:
	Residential developed			143				2,296				2,439				15,691			18,130
	Unsecured to residential developers			---				---				---				7,315			7,315
	Vacant and unimproved			---				---				---				42,988			42,988
	Commercial development			---				23				23				2,411			2,434
	Residential improved			98				50				148				76,146			76,294
	Commercial improved			438				2,056				2,494				244,701			247,195
	Manufacturing and industrial			---				---				---				77,984			77,984
				679				4,425				5,104				467,236			472,340
	Consumer:
	Residential mortgage			78				---				78				188,570			188,648
	Unsecured			9				---				9				1,328			1,337
	Home equity			317				---				317				95,644			95,961
	Other secured			12				---				12				9,980			9,992
				416				---				416				295,522			295,938
	Total		$	1,095			$	4,425			$	5,520			$	1,036,857		$	1,042,377
	The following table presents the aging of the recorded investment in past due loans as of December 31, 2012 by class of loans (dollars in thousands):
			30-90				Greater Than				Total				Loans Not
			Days				90 Days				Past Due				Past Due			Total
	Commercial and industrial		$	395			$	219			$	614			$	259,086		$	259,700
	Commercial real estate:
	Residential developed			---				35				35				26,055			26,090
	Unsecured to residential developers			---				---				---				5,547			5,547
	Vacant and unimproved			17				652				669				55,856			56,525
	Commercial development			---				199				199				1,600			1,799
	Residential improved			520				192				712				75,101			75,813
	Commercial improved			2,502				1,436				3,938				251,800			255,738
	Manufacturing and industrial			200				25				225				81,222			81,447
				3,239				2,539				5,778				497,181			502,959
	Consumer:
	Residential mortgage			647				110				757				181,868			182,625
	Unsecured			---				---				---				1,683			1,683
	Home equity			415				264				679				92,085			92,764
	Other secured			59				---				59				12,558			12,617
				1,121				374				1,495				288,194			289,689
	Total		$	4,755			$	3,132			$	7,887			$	1,044,461		$	1,052,348
Troubled debt restructurings	'
	The following table presents information regarding troubled debt restructurings as of December 31, 2013 and 2012 (dollars in thousands):
			31-Dec-13								31-Dec-12
			Number of Loans				Outstanding Recorded Balance				Number of Loans				Outstanding Recorded Balance
	Commercial and industrial			43			$	7,787				58			$	14,485
	Commercial real estate			122				45,774				142				49,936
	Consumer			106				14,531				86				13,634
				271			$	68,092				286			$	78,055
	The following table presents information regarding troubled debt restructurings executed during the year ended December 31, 2013 (dollars in thousands):
			Number of Loans				Pre-Modification Outstanding Recorded Balance				Principal Writedown upon Modification
	Commercial and industrial			5			$	1,085			$	---
	Commercial real estate			13				4,298				---
	Consumer			36				5,833				---
				54			$	11,216			$	---
	The following table presents information regarding troubled debt restructurings executed during the year ended December 31, 2012 (dollars in thousands):
			Number of Loans				Pre-Modification Outstanding Recorded Balance				Principal Writedown upon Modification
	Commercial and industrial			16			$	1,462			$	9
	Commercial real estate			52				15,413				332
	Consumer			10				1,518				261
				78			$	18,393			$	602
	The following table presents information regarding troubled debt restructurings executed during the year ended December 31, 2011 (dollars in thousands):
			Number of Loans				Pre-Modification Outstanding Recorded Balance				Principal Writedown upon Modification
	Commercial and industrial			95			$	9,726			$	570
	Commercial real estate			106				44,122				961
	Consumer			16				2,509				---
				217			$	56,357			$	1,531
Modifications and renewal during period that are not considered TDRs	'
	The following table presents information regarding modifications and renewals executed during the years ended December 31, 2013, 2012 and 2011 that are not considered TDRs (dollars in thousands):
			2013								2012							2011
			Number of				Outstanding Recorded Balance				Number of Loans				Outstanding Recorded Balance			Number of				Outstanding Recorded Balance
			Loans															Loans
	Commercial and industrial			485			$	101,988				557			$	138,174			584			$	88,196
	Commercial real estate			368				115,785				384				141,715			436				129,002
	Consumer			62				1,979				79				3,126			112				4,626
				915			$	219,752				1,020			$	283,015			1,132			$	221,824
Troubled debt restructured loans that defaulted during the period	'
	The table below presents, by class, information regarding troubled debt restructurings which had payment defaults during the twelve months ended December 31, 2013, 2012 and 2011 (dollars in thousands). Included are loans that became delinquent more than 90 days past due or transferred to nonaccrual within 12 months of restructuring.
		2013								2012							2011
		Number of				Outstanding Recorded Balance				Number of Loans				Outstanding Recorded Balance			Number of				Outstanding Recorded Balance
		Loans															Loans
	Commercial and industrial			---			$	---				3			$	112			5			$	871
	Commercial real estate			1				1,350				2				225			11				2,806
	Consumer			---				---				2				184			2				402
Risk grade category of loans by class of loans	'
	As of December 31, 2013, the risk grade category of commercial loans by class of loans was as follows (dollars in thousands):
			1				2				3				4			5				6		7		8
	Commercial and industrial		$	509			$	15,836			$	81,577			$	155,680		$	13,513			$	1,359	$	5,625	$	---
	Commercial real estate:
	Residential developed			---				---				2,039				5,653			5,232				2,616		2,590		---
	Unsecured to residential developers			---				---				---				7,309			6				---		---		---
	Vacant and unimproved			---				---				11,191				24,638			6,761				398		---		---
	Commercial development			---				---				---				1,673			532				207		23		---
	Residential improved			---				109				15,121				45,018			9,391				6,226		429		---
	Commercial improved			---				7,382				45,391				161,897			24,937				5,075		2,511		---
	Manufacturing and industrial			---				311				24,546				42,133			10,402				593		---		---
			$	509			$	23,638			$	179,865			$	444,001		$	70,774			$	16,474	$	11,178	$	---
	As of December 31, 2012, the risk grade category of commercial loans by class of loans was as follows (dollars in thousands):
			1				2				3				4			5				6		7		8
	Commercial and industrial		$	1,349			$	20,630			$	72,723			$	141,425		$	12,027			$	3,884	$	7,662	$	---
	Commercial real estate:
	Residential developed			---				---				715				6,240			9,772				6,339		3,024		---
	Unsecured to residential developers			---				---				---				5,535			12				---		---		---
	Vacant and unimproved			---				---				12,532				29,654			12,412				1,221		706		---
	Commercial development			---				---				---				482			1,102				213		2		---
	Residential improved			---				115				9,973				41,578			14,471				8,517		1,159		---
	Commercial improved			---				2,009				40,253				159,353			37,449				15,153		1,521		---
	Manufacturing and industrial			---				2,087				17,795				48,061			9,592				3,687		225		---
			$	1,349			$	24,841			$	153,991			$	432,328		$	96,837			$	39,014	$	14,299	$	---
Commercial loans classified as substandard or worse	'
	Commercial loans classified as substandard or worse were as follows at year-end (dollars in thousands):
			2013				2012
	Not classified as impaired		$	7,400			$	13,015
	Classified as impaired			20,252				40,298
	Total commercial loans classified substandard or worse		$	27,652			$	53,313
Recorded investment in consumer loans based on payment activity	'
	The following table presents the recorded investment in consumer loans based on payment activity as of December 31, 2013 and 2012 (dollars in thousands):
		Residential				Consumer				Home				Consumer
	31-Dec-13	Mortgage				Unsecured				Equity				Other
	Performing		$	188,648			$	1,337			$	95,961			$	9,992
	Nonperforming			---				---				---				---
	Total		$	188,648			$	1,337			$	95,961			$	9,992
		Residential				Consumer				Home				Consumer
	31-Dec-12	Mortgage				Unsecured				Equity				Other
	Performing		$	182,515			$	1,683			$	92,500			$	12,617
	Nonperforming			110				---				264				---
	Total		$	182,625			$	1,683			$	92,764			$	12,617

OTHER_REAL_ESTATE_OWNED_Tables

OTHER REAL ESTATE OWNED (Tables)	12 Months Ended
	Dec. 31, 2013
OTHER REAL ESTATE OWNED [Abstract]	'
Year-end other real estate owned	'
	Other real estate owned was as follows (dollars in thousands):
		2013			2012			2011
	Beginning balance	$	69,743		$	83,663		$	68,388
	Additions, transfers from loans and fixed assets		3,539			9,168			38,358
	Proceeds from sales of other real estate owned		(16,501	)		(18,729	)		(21,540	)
	Valuation allowance reversal upon sale		(4,378	)		(4,300	)		(3,058	)
	Gain (loss) on sale of other real estate owned		1,098			(59	)		1,515
			53,501			69,743			83,663
	Less: valuation allowance		(16,705	)		(18,161	)		(17,225	)
	Ending balance	$	36,796		$	51,582		$	66,438
Activity in valuation allowance	'
	Activity in the valuation allowance was as follows (dollars in thousands):
		2013			2012			2011
	Beginning balance	$	18,161		$	17,225		$	10,404
	Additions charged to expense		2,922			5,236			9,879
	Reversals upon sale		(4,378	)		(4,300	)		(3,058	)
	Ending balance	$	16,705		$	18,161		$	17,225

FAIR_VALUE_Tables

FAIR VALUE (Tables)	12 Months Ended
	Dec. 31, 2013
FAIR VALUE [Abstract]	'
Assets measured at fair value on a recurring basis	'
	Assets measured at fair value on a recurring basis are summarized below (in thousands):
			Fair				Quoted Prices in Active Markets for Identical Assets				Significant Other Observable Inputs				Significant Unobservable Inputs
			Value				(Level 1)				(Level 2)				(Level 3)
	31-Dec-13
	U.S. Treasury and federal agency securities		$	54,439			$	---			$	54,439			$	---
	U.S. Agency MBS and CMOs			19,365				---				19,365				---
	Tax-exempt state and municipal bonds			26,849				---				26,849				---
	Taxable state and municipal bonds			26,328				---				26,328				---
	Corporate bonds and other debt securities			11,212				---				11,212				---
	Other equity securities			1,466				---				1,466				---
	Loans held for sale			1,915				---				1,915				---
	Interest rate swaps			94				---				---				94
	Interest rate swaps			(94	)			---				---				(94	)
	31-Dec-12
	U.S. Treasury and federal agency securities		$	42,564			$	---			$	42,564			$	---
	U.S. Agency MBS and CMOs			23,761				---				23,761				---
	Tax-exempt state and municipal bonds			20,793				---				20,793				---
	Taxable state and municipal bonds			27,296				---				27,296				---
	Corporate bonds			7,526				---				7,526				---
	Other equity securities			1,557				---				1,557				---
	Loans held for sale			8,130				---				8,130				---
	Interest rate swaps			---				---				---				---
	Interest rate swaps			---				---				---				---
Assets measured at fair value on a non-recurring basis	'
	Assets measured at fair value on a non-recurring basis are summarized below (in thousands):
			Fair				Quoted Prices in Active Markets for Identical Assets				Significant Other Observable Inputs				Significant Unobservable Inputs
			Value				(Level 1)				(Level 2)				(Level 3)
	31-Dec-13
	Impaired loans		$	22,403			$	---			$	---			$	22,403
	Other real estate owned			29,711				---				---				29,711
	31-Dec-12
	Impaired loans		$	34,668			$	---			$	---			$	34,668
	Other real estate owned			41,594				---				---				41,594
Carrying amounts and estimated fair values of financial instruments, not previously presented	'
	The carrying amounts and estimated fair values of financial instruments, not previously presented, were as follows at year end (dollars in thousands).
		Level in		2013								2012
		Fair Value		Carrying			Fair					Carrying			Fair
		Hierarchy		Amount			Value					Amount			Value
	Financial assets
	Cash and due from banks	Level 1		$	38,714			$	38,714			$	33,556			$	33,556
	Cash equivalents	Level 2			118,178				118,178				192,802				192,802
	Interest-bearing time deposits in other financial institutions	Level 2			25,000				25,003				---				---
	Securities held to maturity	Level 3			19,248				19,278				4,300				4,301
	FHLB stock				11,236		NA						11,236		NA
	Loans, net	Level 2			999,176				990,084				993,941				999,619
	Bank owned life insurance	Level 3			27,517				27,517				26,804				26,804
	Accrued interest receivable	Level 2			3,231				3,231				3,411				3,411
	Financial liabilities
	Deposits	Level 2			(1,249,734	)			(1,250,886	)			(1,286,261	)			(1,285,819	)
	Other borrowed funds	Level 2			(89,111	)			(90,321	)			(91,822	)			(95,213	)
	Long-term debt	Level 2			(41,238	)			(35,098	)			(41,238	)			(30,463	)
	Subordinated debt	Level 2			---				---				(1,650	)			(1,650	)
	Accrued interest payable	Level 2			(308	)			(308	)			(4,858	)			(4,858	)
	Off-balance sheet credit-related items
	Loan commitments				---				---				---				---

PREMISES_AND_EQUIPMENT_NET_Tab

PREMISES AND EQUIPMENT - NET (Tables)	12 Months Ended
	Dec. 31, 2013
PREMISES AND EQUIPMENT - NET [Abstract]	'
Year-end premises and equipment	'
	Year-end premises and equipment were as follows (dollars in thousands):
		2013			2012
	Land	$	18,236		$	18,236
	Building		42,530			42,512
	Leasehold improvements		779			779
	Furniture and equipment		20,344			19,308
	Construction in progress		1,065			604
			82,954			81,439
	Less accumulated depreciation		(29,313	)		(27,863	)
		$	53,641		$	53,576
Future minimum rental expense under noncancelable operating leases	'
	Future minimum rental expense under noncancelable operating leases as of December 31, 2013 is as follows (dollars in thousands):
	2014	$	254
	2015		233
	2016		230
	2017		229
	2018		229
	Thereafter		356
		$	1,531

DEPOSITS_Tables

DEPOSITS (Tables)	12 Months Ended
	Dec. 31, 2013
DEPOSITS [Abstract]	'
Deposits at year-end	'
	Deposits at year-end were as follows (dollars in thousands):
		2013		2012
	Noninterest-bearing demand	$	344,550	$	339,520
	Interest bearing demand		287,417		278,765
	Savings and money market accounts		469,542		476,803
	Certificates of deposit		148,225		191,173
		$	1,249,734	$	1,286,261
Maturity distribution of certificates of deposit	'
	The following table depicts the maturity distribution of certificates of deposit at December 31, 2013 (dollars in thousands):
	2014	$	84,591
	2015		44,430
	2016		11,568
	2017		5,428
	2018		2,208
	Thereafter		---
		$	148,225

OTHER_BORROWED_FUNDS_Tables

OTHER BORROWED FUNDS (Tables)	12 Months Ended
	Dec. 31, 2013
OTHER BORROWED FUNDS [Abstract]	'
Advances from Federal Home Loan Bank	'
	At year-end, advances from the Federal Home Loan Bank were as follows (dollars in thousands):
	Principal Terms	Advance			Weighted
		Amount		Range of Maturities	Average
					Interest Rate
	31-Dec-13
	Single maturity fixed rate advances	$	80,000	August 2016 to February 2019		1.69	%
	Amortizable mortgage advances		9,991	March 2018 to July 2018		3.78	%
		$	89,991
	Principal Terms	Advance			Weighted
		Amount		Range of Maturities	Average
					Interest Rate
	31-Dec-12
	Single maturity fixed rate advances	$	80,000	May 2015 to September 2016		1.7	%
	Amortizable mortgage advances		11,822	March 2018 to July 2018		3.78	%
		$	91,822
Scheduled repayments of FHLB advances	'
	Scheduled repayments of FHLB advances as of December 31, 2013 were as follows (in thousands):
	2014	$	1,884
	2015		1,938
	2016		21,996
	2017		2,055
	2018		52,118
	Thereafter		10,000
		$	89,991

RELATED_PARTY_TRANSACTIONS_Tab

RELATED PARTY TRANSACTIONS (Tables)	12 Months Ended
	Dec. 31, 2013
RELATED PARTY TRANSACTIONS [Abstract]	'
Loans to principal officers, directors, and their affiliates	'
	Loans to principal officers, directors, and their affiliates were as follows (dollars in thousands).
		2013			2012
	Beginning balance	$	5,645		$	1,370
	New loans and renewals		10,704			10,222
	Repayments and renewals		(12,887	)		(5,947	)
	Effect of changes in related parties		---			---
	Less accumulated depreciation	$	3,462		$	5,645

STOCKBASED_COMPENSATION_Tables

STOCK-BASED COMPENSATION (Tables)	12 Months Ended
	Dec. 31, 2013
STOCK-BASED COMPENSATION [Abstract]	'
Summary of option activity in the plans	'
	A summary of option activity in the plans is as follows (dollars in thousands, except per option data):
	Options	Number Outstanding			Weighted-Average Exercise Price		Weighted- Average Remaining Contractual Life in Years		Aggregate Intrinsic Value
	Outstanding at January 1, 2013		472,719		$	16.44		---
	Forfeited		---			---		---
	Expired		(117,391	)		12.76		---
	Outstanding at December 31, 2013		355,328		$	17.65		2.09		$	---
	Exerciseable at December 31, 2013		355,328		$	17.65		2.09		$	---
	Information related to stock options during each year follows (dollars in thousands):
		2013			2012		2011
	Intrinsic value of options exercised	$	---		$	---	$	---
	Cash received from option exercises		---			---		---
	Tax benefit realized from option exercises		---			---		---
Changes in nonvested stock awards	'
	A summary of changes in the Company’s nonvested restricted stock awards for the year follows:
	Nonvested Stock Awards		Shares			Weighted-Average Grant-Date Fair Value		Aggregate Intrinsic Value
	Outstanding at January 1, 2013		121,000		$	2.9	$	605,000
	Granted		125,500			5.17		627,500
	Vested		(40,329	)		2.9		201,645
	Forfeited		---			---
	Outstanding at December 31, 2013		206,171		$	4.28	$	1,030,855

EARNINGS_PER_COMMON_SHARE_Tabl

EARNINGS PER COMMON SHARE (Tables)	12 Months Ended
	Dec. 31, 2013
EARNINGS PER COMMON SHARE [Abstract]	'
Reconciliation of numerators and denominators of basic and diluted earnings per common share	'
	A reconciliation of the numerators and denominators of basic and diluted earnings per common share are as follows (dollars in thousands, except per share data):
		2013			2012		2011
	Net income	$	9,549		$	35,490	$	5,829
	Effect of induced exchange of preferred stock		(17,575	)		---		---
	Net income (loss) available to common shares	$	(8,026	)	$	35,490	$	5,829
	Weighted average shares outstanding, including participating stock awards - Basic		27,161,888			27,086,792		22,739,990
	Dilutive potential common shares:
	Stock options		---			---		---
	Conversion of preferred stock		---			---		---
	Stock warrants		---			---		---
	Weighted average shares outstanding - Diluted		27,161,888			27,086,792		22,739,990
	Basic earnings (loss) per common share	$	(0.29	)	$	1.31	$	0.26
	Diluted earnings (loss) per common share	$	(0.29	)	$	1.31	$	0.26

FEDERAL_INCOME_TAXES_Tables

FEDERAL INCOME TAXES (Tables)	12 Months Ended
	Dec. 31, 2013
FEDERAL INCOME TAXES [Abstract]	'
Income tax expense (benefit)	'
	Income tax expense (benefit) was as follows (dollars in thousands):
		2013			2012			2011
	Current	$	120		$	275		$	(198	)
	Deferred (benefit) expense		4,150			---			198
	Valuation allowance - change in estimate		---			(18,858	)		---
		$	4,270		$	(18,583	)	$	---
Difference between financial statement tax expense (benefit) and amount computed by applying statutory federal tax rate to pretax income	'
	The difference between the financial statement tax expense and amount computed by applying the statutory federal tax rate to pretax income was reconciled as follows (dollars in thousands):
		2013			2012			2011
	Statutory rate		35	%		35	%		35	%
	Statutory rate applied to income before taxes	$	4,837		$	5,917		$	2,040
	Add (deduct)
	Change in valuation allowance		---			(24,026	)		(1,624	)
	Tax-exempt interest income		(244	)		(103	)		(10	)
	Bank-owned life insurance		(250	)		(297	)		(330	)
	Other, net		(73	)		(74	)		(76	)
		$	4,270		$	(18,583	)	$	---
Deferred tax assets and liabilities	'
	The net deferred tax asset recorded included the following amounts of deferred tax assets and liabilities (dollars in thousands):
		2013			2012
	Deferred tax assets
	Allowance for loan losses	$	7,279		$	8,309
	Nonaccrual loan interest		782			1,023
	Valuation allowance on other real estate owned		5,847			6,356
	Net operating loss carryforward		1,743			4,188
	Unrealized loss on securities available for sale		1,053			---
	Other		1,808			1,794
	Gross deferred tax assets		18,512			21,670
	Valuation allowance		---			---
	Total net deferred tax assets		18,512			21,670
	Deferred tax liabilities
	Depreciation		(1,620	)		(1,693	)
	Unrealized gain on securities available for sale		---			(517	)
	Prepaid expenses		(308	)		(308	)
	Other		(384	)		(372	)
	Gross deferred tax liabilities		(2,312	)		(2,890	)
	Net deferred tax asset	$	16,200		$	18,780

COMMITMENTS_AND_OFFBALANCESHEE1

COMMITMENTS AND OFF-BALANCE-SHEET RISK (Tables)	12 Months Ended
	Dec. 31, 2013
COMMITMENTS AND OFF-BALANCE-SHEET RISK [Abstract]	'
Summary of contractual amounts of financial instruments with off-balance-sheet risk	'
	A summary of the contractual amounts of financial instruments with off‑balance‑sheet risk was as follows at year-end (dollars in thousands):
		2013		2012
	Commitments to make loans	$	87,513	$	75,319
	Letters of credit		10,774		8,200
	Unused lines of credit		313,232		276,620

SHAREHOLDERS_EQUITY_Tables

SHAREHOLDERS' EQUITY (Tables)	12 Months Ended
	Dec. 31, 2013
SHAREHOLDERS' EQUITY [Abstract]	'
Actual capital levels and minimum required levels	'
	Actual capital levels (dollars in thousands) and minimum required levels were as follows at year-end:
											To Be Well
							Minimum Required				Capitalized Under
							For Capital				Prompt Corrective
			Actual				Adequacy Purposes				Action Regulations
			Amount		Ratio		Amount		Ratio		Amount		Ratio
	31-Dec-13
	Total capital (to risk weighted assets)
	Consolidated		$	174,433		15.00%	$	88,915		8.00%		N/A		N/A
	Bank			171,811		15.4		88,968		8	$	111,210		10	%
	Tier 1 capital (to risk weighted assets)
	Consolidated			160,455		14.4		44,457		4		N/A		N/A
	Bank			157,825		14.2		44,484		4		66,726		6
	Tier 1 capital (to average assets)
	Consolidated			160,455		10.6		60,482		4		N/A		N/
	Bank			157,825		10.5		60,407		4		75,509		5
	31-Dec-12
	Total capital (to risk weighted assets)
	Consolidated		$	168,929		15.00%	$	90,244		8.00%		N/A		N/A
	Bank			164,214		14.5		90,299		8	$	112,874		10	%
	Tier 1 capital (to risk weighted assets)
	Consolidated			150,857		13.4		45,122		4		N/A		N/A
	Bank			149,960		13.3		45,150		4		67,724		6
	Tier 1 capital (to average assets)
	Consolidated			150,857		10.4		58,312		4		N/A		N/A
	Bank (1)			149,960		10.3		58,371		4		72,964		5
		-1	The MOU in effect at December 31, 2012 required a capital level of 8.0%, or $116,742, which the Bank exceeded.

CONDENSED_FINANCIAL_STATEMENTS1

CONDENSED FINANCIAL STATEMENTS (PARENT COMPANY ONLY) (Tables)	12 Months Ended
	Dec. 31, 2013
CONDENSED FINANCIAL STATEMENTS (PARENT COMPANY ONLY) [Abstract]	'
CONDENSED BALANCE SHEETS	'
	CONDENSED BALANCE SHEETS
		2013			2012
	ASSETS
	Cash and cash equivalents	$	1,910		$	9,787
	Investment in Bank subsidiary		167,292			164,127
	Investment in other subsidiaries		1,504			1,654
	Other assets		3,272			2,532
	Total assets	$	173,978		$	178,100
	LIABILITIES AND SHAREHOLDERS' EQUITY
	Subordinated debt		---			1,650
	Long-term debt		41,238			41,238
	Other liabilities		218			4,705
	Total liabilities		41,456			47,593
	Total shareholders' equity		132,522			130,507
	Total liabilities and shareholders' equity	$	173,978		$	178,100
CONDENSED STATEMENTS OF INCOME AND COMPREHENSIVE INCOME	'
	CONDENSED STATEMENTS OF INCOME AND COMPREHENSIVE INCOME
		2013			2012			2011
	INCOME
	Dividends from subsidiaries	$	5,179		$	---		$	---
	Other		---			---			---
	Total income		5,179			---			---
	EXPENSE
	Interest expense		1,563			1,719			1,598
	Other expense		575			555			588
	Total expense		2,138			2,274			2,186
	Income (loss) before income tax and equity in undistributed earnings of subsidiaries		3,041			(2,274	)		(2,186	)
	Equity in undistributed earnings of subsidiaries		5,770			35,338			8,015
	Income before income tax		8,811			33,064			5,829
	Income tax benefit		(738	)		(2,426	)		---
	Net income	$	9,549		$	35,490		$	5,829
	Net income (loss) available to common shares	$	(8,026	)	$	35,490		$	5,829
	Comprehensive income	$	6,634		$	36,072		$	6,196
CONDENSED STATEMENTS OF CASH FLOWS	'
	CONDENSED STATEMENTS OF CASH FLOWS
		2013			2012			2011
	Cash flows from operating activities
	Net income	$	9,549		$	35,490		$	5,829
	Adjustments to reconcile net income to net cash from operating activities:
	Equity in undistributed earnings of subsidiaries		(5,770	)		(35,338	)		(8,015	)
	(Increase) decrease in other assets		(740	)		(2,424	)		428
	Increase (decrease) in other liabilities		(4,487	)		1,524			1,395
	Net cash from operating activities		(1,448	)		(748	)		(363	)
	Cash flows from investing activities
	Investment in subsidiaries		---			---			(10,000	)
	Net cash from investing activities		---			---			(10,000	)
	Cash flows from investing activities
	Proceeds from issuance of subordinated note and conversion to common stock		---			---			1,000
	Proceeds from issuance of common stock		---			---			19,319
	Redemption of subordinated debt		(1,650	)		---			---
	Repurchases of shares		(45	)		---			---
	Cash paid in preferred stock exchange		(4,734	)		---			---
	Net cash from financing activities		(6,429	)		---			20,319
	Net change in cash and cash equivalents		(7,877	)		(748	)		9,956
	Cash and cash equivalents at beginning of year		9,787			10,535			579
	Cash and cash equivalents at end of year	$	1,910		$	9,787		$	10,535
	Supplemental noncash disclosures:
	Conversion of subordinated note to 491,830 shares of common stock	$	---		$	---		$	1,003
	Conversion of 300 shares of Preferred Series B to 50,000 shares of common stock		300			---			---
	Exchange of 31,290 shares of Preferred Series A to 5,973,519 shares of common stock		30,604			---			---
	Exchange of 2,300 shares of Preferred Series B to 457,159 shares of common stock		2,260			---			---

QUARTERLY_FINANCIAL_DATA_Unaud1

QUARTERLY FINANCIAL DATA (Unaudited) (Tables)	12 Months Ended
	Dec. 31, 2013
QUARTERLY FINANCIAL DATA (Unaudited) [Abstract]	'
Quarterly Financial Data	'
	(Dollars in thousands except per share data)
											Earnings (Loss) Per Common Share
		Interest Income		Net Interest Income		Provision for Loan Losses			Net Income		Basic			Diluted
	2013
	First quarter	$	12,433	$	10,483	$	(750	)	$	2,473	$	0.09		$	0.09
	Second quarter		12,307		10,464		(1,000	)		2,603		0.1			0.1
	Third quarter		11,919		10,124		(1,500	)		2,238		0.08			0.08
	Fourth quarter		11,961		10,212		(1,000	)		2,234		(0.56	)		(0.56	)
	2012
	First quarter	$	14,099	$	11,281	$	(3,600	)	$	4,485	$	0.17		$	0.17
	Second quarter		13,900		11,322		(1,750	)		3,186		0.12			0.12
	Third quarter		16,269		13,892		(1,250	)		6,585		0.24			0.24
	Fourth quarter		13,009		10,968		(500	)		21,234		0.78			0.78

SUMMARY_OF_SIGNIFICANT_ACCOUNT2

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Details) (USD $)	12 Months Ended
	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
	Segment
	Branch
	InterestRateSwap
	Loan
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]	'	'	'
Number of full service branch offices	26	'	'
Cash Flow Reporting [Abstract]	'	'	'
Maturity days of short term securities included in cash and cash equivalent	'90 days	'	'
Securities [Abstract]	'	'	'
OTTI charges	$0	$0	$0
Federal Home Loan Bank (FHLB) Stock [Abstract]	'	'	'
FHLB stock impaired	0	0	0
Loans Held-for-sale [Abstract]	'	'	'
Net unrealized gain on loans held for sale	42,000	195,000	'
Loans [Abstract]	'	'	'
Delinquent period after which interest income is discontinued on mortgage and commercial loans	'90 days	'	'
Past due period to charge off consumer loans	'120 days	'	'
Allowance for Loan Losses [Abstract]	'	'	'
Period for annualized historical loss experience used for commercial loans	'18 months	'	'
Period of historical loss experience applied to residential mortgage and consumer loan portfolios	'12 months	'	'
Threshold for commercial and commercial real estate loans evaluated for impairment	500,000	'	'
Minimum internal risk grading of commercial and commercial real estate loans evaluated for impairment	6	'	'
Goodwill and Acquired Intangible Assets [Abstract]	'	'	'
Goodwill	0	0	'
Mortgage Banking Derivatives [Abstract]	'	'	'
Net fair value of mortgage banking derivatives	51,000	15,000	'
Derivatives [Abstract]	'	'	'
Number of freestanding interest rate swaps	2	'	'
Notional amount of agreements	20,000,000	'	'
Derivative asset fair value	94,000	'	'
Trading liability fair value	94,000	'	'
Income Taxes [Abstract]	'	'	'
Percentage of more likely than not tax position that would be sustained in a tax examination (in hundredths)	50.00%	'	'
Restrictions on Cash [Abstract]	'	'	'
Cash on hand or on deposit with the Federal Reserve Bank	4,417,000	4,534,000	'
Stock Splits and Dividends [Abstract]	'	'	'
Stock dividends, excess of threshold (in hundredths)	20.00%	'	'
Stock dividend threshold or less (in hundredths)	20.00%	'	'
Segment Reporting [Abstract]	'	'	'
Number of operating segments	1	'	'
Core Deposits [Member]	'	'	'
Finite-Lived Intangible Assets [Line Items]	'	'	'
Intangible assets	'	'	$64,000
Minimum [Member]	'	'	'
Finite-Lived Intangible Assets [Line Items]	'	'	'
Estimated useful life of intangible assets	'10 years	'	'
Maximum [Member]	'	'	'
Finite-Lived Intangible Assets [Line Items]	'	'	'
Estimated useful life of intangible assets	'16 years	'	'
Building and Related Components [Member] | Minimum [Member]	'	'	'
Property, Plant and Equipment [Line Items]	'	'	'
Useful Life	'5 years	'	'
Building and Related Components [Member] | Maximum [Member]	'	'	'
Property, Plant and Equipment [Line Items]	'	'	'
Useful Life	'40 years	'	'
Fixture and Equipment [Member] | Minimum [Member]	'	'	'
Property, Plant and Equipment [Line Items]	'	'	'
Useful Life	'3 years	'	'
Fixture and Equipment [Member] | Maximum [Member]	'	'	'
Property, Plant and Equipment [Line Items]	'	'	'
Useful Life	'15 years	'	'
Commercial Real Estate [Member]	'	'	'
Concentration Risk [Line Items]	'	'	'
Concentration of credit risk (in hundredths)	45.00%	'	'
Commercial and Industrial [Member]	'	'	'
Concentration Risk [Line Items]	'	'	'
Concentration of credit risk (in hundredths)	26.00%	'	'
Residential Real Estate and Consumer Loans [Member]	'	'	'
Concentration Risk [Line Items]	'	'	'
Concentration of credit risk (in hundredths)	28.00%	'	'

SECURITIES_Details

SECURITIES (Details) (USD $)	12 Months Ended
	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Available for Sale [Abstract]	'	'	'
Amortized Cost	$142,667,000	$122,020,000	'
Gross Unrealized Gains	519,000	1,609,000	'
Gross Unrealized Losses	-3,527,000	-132,000	'
Fair Value	139,659,000	123,497,000	'
Held to Maturity [Abstract]	'	'	'
Fair Value	19,278,000	4,301,000	'
Securities in continuous unrealized losses position, Fair value [Abstract]	'	'	'
Less than 12 Months, Fair Value	98,058,000	27,569,000	'
12 Months or More, Fair Value	1,846,000	0	'
Total, Fair Value	99,904,000	27,569,000	'
Securities in continuous unrealized loss position, Aggregate losses [Abstract]	'	'	'
Less than 12 Months, Unrealized Losses	-3,446,000	-132,000	'
12 Months or More, Unrealized Losses	-97,000	0	'
Total, Unrealized Loss	-3,543,000	-132,000	'
Held-to-Maturity Securities, Amortized Cost [Abstract]	'	'	'
Due in one year or less	12,655,000	'	'
Due from one to five years	625,000	'	'
Due from five to ten years	5,688,000	'	'
Due after ten years	280,000	'	'
Held-to-Maturity Securities, Total Amortized Cost	19,248,000	'	'
Held-to-Maturity Securities, Fair Value [Abstract]	'	'	'
Due in one year or less	12,676,000	'	'
Due from one to five years	625,000	'	'
Due from five to ten years	5,693,000	'	'
Due after ten years	284,000	'	'
Held-to-maturity securities, Total Fair Value	19,278,000	'	'
Available-for-Sale Securities, Amortized Cost [Abstract]	'	'	'
Due in one year or less	7,891,000	'	'
Due from one to five years	57,365,000	'	'
Due from five to ten years	49,436,000	'	'
Due after ten years	26,475,000	'	'
Available-for-Sale Securities, Total Amortized Cost	141,167,000	'	'
Available-for-Sale Securities, Fair Value [Abstract]	'	'	'
Due in one year or less	7,956,000	'	'
Due from one to five years	57,312,000	'	'
Due from five to ten years	47,600,000	'	'
Due after ten years	25,325,000	'	'
Available-for-Sale Securities, Total Fair Value	138,193,000	'	'
Proceeds from sale of available-for-sale securities	5,241,000	4,595,000	0
Gain on sales of securities	120,000	73,000	0
Securities pledged as security for public deposits, letters of credit and for other purposes required or permitted by law	1,000,000	7,400,000	'
Reclassifications of net gains (net of tax)	78,000	47,000	0
U.S. Treasury and Federal Agency Securities [Member]	'	'	'
Available for Sale [Abstract]	'	'	'
Amortized Cost	55,701,000	42,245,000	'
Gross Unrealized Gains	92,000	340,000	'
Gross Unrealized Losses	-1,354,000	-21,000	'
Fair Value	54,439,000	42,564,000	'
Securities in continuous unrealized losses position, Fair value [Abstract]	'	'	'
Less than 12 Months, Fair Value	43,212,000	10,977,000	'
12 Months or More, Fair Value	0	0	'
Total, Fair Value	43,212,000	10,977,000	'
Securities in continuous unrealized loss position, Aggregate losses [Abstract]	'	'	'
Less than 12 Months, Unrealized Losses	-1,354,000	-21,000	'
12 Months or More, Unrealized Losses	0	0	'
Total, Unrealized Loss	-1,354,000	-21,000	'
U.S. Agency MBS and CMOs [Member]	'	'	'
Available for Sale [Abstract]	'	'	'
Amortized Cost	20,029,000	23,495,000	'
Gross Unrealized Gains	9,000	272,000	'
Gross Unrealized Losses	-673,000	-6,000	'
Fair Value	19,365,000	23,761,000	'
Securities in continuous unrealized losses position, Fair value [Abstract]	'	'	'
Less than 12 Months, Fair Value	18,494,000	3,373,000	'
12 Months or More, Fair Value	0	0	'
Total, Fair Value	18,494,000	3,373,000	'
Securities in continuous unrealized loss position, Aggregate losses [Abstract]	'	'	'
Less than 12 Months, Unrealized Losses	-673,000	-6,000	'
12 Months or More, Unrealized Losses	0	0	'
Total, Unrealized Loss	-673,000	-6,000	'
Tax-Exempt State and Municipal Bonds [Member]	'	'	'
Available for Sale [Abstract]	'	'	'
Amortized Cost	27,920,000	20,598,000	'
Gross Unrealized Gains	47,000	244,000	'
Gross Unrealized Losses	-1,118,000	-49,000	'
Fair Value	26,849,000	20,793,000	'
Securities in continuous unrealized losses position, Fair value [Abstract]	'	'	'
Less than 12 Months, Fair Value	21,359,000	4,613,000	'
12 Months or More, Fair Value	831,000	0	'
Total, Fair Value	22,190,000	4,613,000	'
Securities in continuous unrealized loss position, Aggregate losses [Abstract]	'	'	'
Less than 12 Months, Unrealized Losses	-1,066,000	-49,000	'
12 Months or More, Unrealized Losses	-68,000	0	'
Total, Unrealized Loss	-1,134,000	-49,000	'
Taxable State and Municipal Bonds [Member]	'	'	'
Available for Sale [Abstract]	'	'	'
Amortized Cost	26,306,000	26,726,000	'
Gross Unrealized Gains	307,000	619,000	'
Gross Unrealized Losses	-285,000	-49,000	'
Fair Value	26,328,000	27,296,000	'
Securities in continuous unrealized losses position, Fair value [Abstract]	'	'	'
Less than 12 Months, Fair Value	9,599,000	4,661,000	'
12 Months or More, Fair Value	1,015,000	0	'
Total, Fair Value	10,614,000	4,661,000	'
Securities in continuous unrealized loss position, Aggregate losses [Abstract]	'	'	'
Less than 12 Months, Unrealized Losses	-256,000	-49,000	'
12 Months or More, Unrealized Losses	-29,000	0	'
Total, Unrealized Loss	-285,000	-49,000	'
Corporate Bonds and Other Debt Securities [Member]	'	'	'
Available for Sale [Abstract]	'	'	'
Amortized Cost	11,211,000	'	'
Gross Unrealized Gains	64,000	'	'
Gross Unrealized Losses	-63,000	'	'
Fair Value	11,212,000	'	'
Securities in continuous unrealized losses position, Fair value [Abstract]	'	'	'
Less than 12 Months, Fair Value	3,928,000	'	'
12 Months or More, Fair Value	0	'	'
Total, Fair Value	3,928,000	'	'
Securities in continuous unrealized loss position, Aggregate losses [Abstract]	'	'	'
Less than 12 Months, Unrealized Losses	-63,000	'	'
12 Months or More, Unrealized Losses	0	'	'
Total, Unrealized Loss	-63,000	'	'
Corporate Bonds [Member]	'	'	'
Available for Sale [Abstract]	'	'	'
Amortized Cost	'	7,456,000	'
Gross Unrealized Gains	'	77,000	'
Gross Unrealized Losses	'	-7,000	'
Fair Value	'	7,526,000	'
Securities in continuous unrealized losses position, Fair value [Abstract]	'	'	'
Less than 12 Months, Fair Value	'	3,945,000	'
12 Months or More, Fair Value	'	0	'
Total, Fair Value	'	3,945,000	'
Securities in continuous unrealized loss position, Aggregate losses [Abstract]	'	'	'
Less than 12 Months, Unrealized Losses	'	-7,000	'
12 Months or More, Unrealized Losses	'	0	'
Total, Unrealized Loss	'	-7,000	'
Other Equity Securities [Member]	'	'	'
Available for Sale [Abstract]	'	'	'
Amortized Cost	1,500,000	1,500,000	'
Gross Unrealized Gains	0	57,000	'
Gross Unrealized Losses	-34,000	0	'
Fair Value	1,466,000	1,557,000	'
Securities in continuous unrealized losses position, Fair value [Abstract]	'	'	'
Less than 12 Months, Fair Value	1,466,000	0	'
12 Months or More, Fair Value	0	0	'
Total, Fair Value	1,466,000	0	'
Securities in continuous unrealized loss position, Aggregate losses [Abstract]	'	'	'
Less than 12 Months, Unrealized Losses	-34,000	0	'
12 Months or More, Unrealized Losses	0	0	'
Total, Unrealized Loss	-34,000	0	'
State and Municipal Bonds [Member]	'	'	'
Held to Maturity [Abstract]	'	'	'
Amortized Cost	19,248,000	4,300,000	'
Gross Unrealized Gains	46,000	1,000	'
Gross Unrealized Losses	-16,000	0	'
Fair Value	$19,278,000	$4,301,000	'

LOANS_Details

LOANS (Details) (USD $)	Dec. 31, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Portfolio loans [Abstract]	'	'
Total loans	$1,042,377	$1,052,348
Allowance for loan losses	-20,798	-23,739
Net loans	1,021,579	1,028,609
Commercial and Industrial [Member]	'	'
Portfolio loans [Abstract]	'	'
Total loans	274,099	259,700
Commercial Real Estate [Member]	'	'
Portfolio loans [Abstract]	'	'
Total loans	472,340	502,959
Commercial Real Estate [Member] | Residential Developed [Member]	'	'
Portfolio loans [Abstract]	'	'
Total loans	18,130	26,090
Commercial Real Estate [Member] | Unsecured to Residential Developers [Member]	'	'
Portfolio loans [Abstract]	'	'
Total loans	7,315	5,547
Commercial Real Estate [Member] | Vacant and Unimproved [Member]	'	'
Portfolio loans [Abstract]	'	'
Total loans	42,988	56,525
Commercial Real Estate [Member] | Commercial Development [Member]	'	'
Portfolio loans [Abstract]	'	'
Total loans	2,434	1,799
Commercial Real Estate [Member] | Residential Improved [Member]	'	'
Portfolio loans [Abstract]	'	'
Total loans	76,294	75,813
Commercial Real Estate [Member] | Commercial Improved [Member]	'	'
Portfolio loans [Abstract]	'	'
Total loans	247,195	255,738
Commercial Real Estate [Member] | Manufacturing and Industrial [Member]	'	'
Portfolio loans [Abstract]	'	'
Total loans	77,984	81,447
Consumer [Member]	'	'
Portfolio loans [Abstract]	'	'
Total loans	295,938	289,689
Consumer [Member] | Residential Mortgage [Member]	'	'
Portfolio loans [Abstract]	'	'
Total loans	188,648	182,625
Consumer [Member] | Unsecured [Member]	'	'
Portfolio loans [Abstract]	'	'
Total loans	1,337	1,683
Consumer [Member] | Home Equity [Member]	'	'
Portfolio loans [Abstract]	'	'
Total loans	95,961	92,764
Consumer [Member] | Other Secured [Member]	'	'
Portfolio loans [Abstract]	'	'
Total loans	$9,992	$12,617

LOANS_Allowance_for_Loans_Loss

LOANS, Allowance for Loans Losses (Details) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Allowance for loan losses by portfolio [Roll Forward]	'	'	'
Beginning balance	$23,739	$31,641	$47,426
Charge-offs	-2,204	-7,496	-16,451
Recoveries	3,513	6,694	5,366
Provision for loan losses	-4,250	-7,100	-4,700
Ending balance	20,798	23,739	31,641
Ending allowance attributable to loans [Abstract]	'	'	'
Individually reviewed for impairment	3,870	6,054	'
Collectively evaluated for impairment	16,928	17,685	'
Total ending allowance balance	20,798	23,739	31,641
Loans [Abstract]	'	'	'
Individually reviewed for impairment	68,923	83,307	'
Collectively evaluated for impairment	973,454	969,041	'
Total ending loans balance	1,042,377	1,052,348	'
Commercial and Industrial [Member]	'	'	'
Allowance for loan losses by portfolio [Roll Forward]	'	'	'
Beginning balance	6,459	6,313	7,012
Charge-offs	-317	-1,245	-2,935
Recoveries	1,134	547	1,727
Provision for loan losses	-1,102	844	509
Ending balance	6,174	6,459	6,313
Ending allowance attributable to loans [Abstract]	'	'	'
Individually reviewed for impairment	1,981	2,920	'
Collectively evaluated for impairment	4,193	3,539	'
Total ending allowance balance	6,174	6,459	6,313
Loans [Abstract]	'	'	'
Individually reviewed for impairment	13,155	14,390	'
Collectively evaluated for impairment	260,944	245,310	'
Total ending loans balance	274,099	259,700	'
Commercial Real Estate [Member]	'	'	'
Allowance for loan losses by portfolio [Roll Forward]	'	'	'
Beginning balance	13,457	20,475	34,973
Charge-offs	-1,065	-3,206	-10,981
Recoveries	2,141	5,840	3,343
Provision for loan losses	-3,665	-9,652	-6,860
Ending balance	10,868	13,457	20,475
Ending allowance attributable to loans [Abstract]	'	'	'
Individually reviewed for impairment	1,008	2,418	'
Collectively evaluated for impairment	9,860	11,039	'
Total ending allowance balance	10,868	13,457	20,475
Loans [Abstract]	'	'	'
Individually reviewed for impairment	41,285	54,831	'
Collectively evaluated for impairment	431,055	448,128	'
Total ending loans balance	472,340	502,959	'
Consumer [Member]	'	'	'
Allowance for loan losses by portfolio [Roll Forward]	'	'	'
Beginning balance	3,787	4,821	5,415
Charge-offs	-822	-3,045	-2,535
Recoveries	238	307	296
Provision for loan losses	500	1,704	1,645
Ending balance	3,703	3,787	4,821
Ending allowance attributable to loans [Abstract]	'	'	'
Individually reviewed for impairment	881	716	'
Collectively evaluated for impairment	2,822	3,071	'
Total ending allowance balance	3,703	3,787	4,821
Loans [Abstract]	'	'	'
Individually reviewed for impairment	14,483	14,086	'
Collectively evaluated for impairment	281,455	275,603	'
Total ending loans balance	295,938	289,689	'
Unallocated [Member]	'	'	'
Allowance for loan losses by portfolio [Roll Forward]	'	'	'
Beginning balance	36	32	26
Charge-offs	0	0	0
Recoveries	0	0	0
Provision for loan losses	17	4	6
Ending balance	53	36	32
Ending allowance attributable to loans [Abstract]	'	'	'
Individually reviewed for impairment	0	0	'
Collectively evaluated for impairment	53	36	'
Total ending allowance balance	53	36	32
Loans [Abstract]	'	'	'
Individually reviewed for impairment	0	0	'
Collectively evaluated for impairment	0	0	'
Total ending loans balance	$0	$0	'

LOANS_Impaired_Loans_Details

LOANS, Impaired Loans (Details) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
With no related allowance recorded [Abstract]	'	'	'
With no allowance, unpaid principal balance	$13,467	$31,046	'
With no allowance, recorded investment	12,006	27,038	'
With related allowance recorded [Abstract]	'	'	'
With related allowance, unpaid principal balance	56,917	56,269	'
With related allowance, recorded investment	56,917	56,269	'
Allowance allocated	3,870	6,054	'
Total impaired, unpaid principal balance	70,384	87,315	'
Total impaired, recorded investment, Total	68,923	83,307	'
Commercial and Industrial [Member]	'	'	'
With no related allowance recorded [Abstract]	'	'	'
With no allowance, unpaid principal balance	3,287	2,515	'
With no allowance, recorded investment	3,284	2,512	'
With related allowance recorded [Abstract]	'	'	'
With related allowance, unpaid principal balance	9,871	11,878	'
With related allowance, recorded investment	9,871	11,878	'
Allowance allocated	1,981	2,920	'
Impaired loans [Abstract]	'	'	'
Average of impaired loans	14,333	14,928	7,622
Interest income recognized during impairment	1,278	1,291	464
Cash-basis interest income recognized	1,273	1,295	536
Commercial Real Estate [Member]	'	'	'
With no related allowance recorded [Abstract]	'	'	'
With no allowance, unpaid principal balance	10,180	23,917	'
With no allowance, recorded investment	8,722	21,464	'
With related allowance recorded [Abstract]	'	'	'
With related allowance, unpaid principal balance	32,563	33,367	'
With related allowance, recorded investment	32,563	33,367	'
Allowance allocated	1,008	2,418	'
Impaired loans [Abstract]	'	'	'
Interest income recognized during impairment	1,974	2,736	2,039
Cash-basis interest income recognized	1,971	2,740	1,997
Commercial Real Estate [Member] | Residential Developed [Member]	'	'	'
With no related allowance recorded [Abstract]	'	'	'
With no allowance, unpaid principal balance	5,273	7,136	'
With no allowance, recorded investment	4,340	6,283	'
With related allowance recorded [Abstract]	'	'	'
With related allowance, unpaid principal balance	618	1,524	'
With related allowance, recorded investment	618	1,524	'
Allowance allocated	33	337	'
Impaired loans [Abstract]	'	'	'
Average of impaired loans	6,357	8,162	12,509
Commercial Real Estate [Member] | Unsecured to Residential Developers [Member]	'	'	'
With no related allowance recorded [Abstract]	'	'	'
With no allowance, unpaid principal balance	0	0	'
With no allowance, recorded investment	0	0	'
With related allowance recorded [Abstract]	'	'	'
With related allowance, unpaid principal balance	0	0	'
With related allowance, recorded investment	0	0	'
Allowance allocated	0	0	'
Impaired loans [Abstract]	'	'	'
Average of impaired loans	0	0	559
Commercial Real Estate [Member] | Vacant and Unimproved [Member]	'	'	'
With no related allowance recorded [Abstract]	'	'	'
With no allowance, unpaid principal balance	3	2,321	'
With no allowance, recorded investment	3	2,136	'
With related allowance recorded [Abstract]	'	'	'
With related allowance, unpaid principal balance	1,900	1,688	'
With related allowance, recorded investment	1,900	1,688	'
Allowance allocated	47	34	'
Impaired loans [Abstract]	'	'	'
Average of impaired loans	2,804	3,851	5,710
Commercial Real Estate [Member] | Commercial Development [Member]	'	'	'
With no related allowance recorded [Abstract]	'	'	'
With no allowance, unpaid principal balance	362	213	'
With no allowance, recorded investment	362	213	'
With related allowance recorded [Abstract]	'	'	'
With related allowance, unpaid principal balance	207	0	'
With related allowance, recorded investment	207	0	'
Allowance allocated	5	0	'
Impaired loans [Abstract]	'	'	'
Average of impaired loans	398	216	407
Commercial Real Estate [Member] | Residential Improved [Member]	'	'	'
With no related allowance recorded [Abstract]	'	'	'
With no allowance, unpaid principal balance	1,493	3,293	'
With no allowance, recorded investment	1,493	3,019	'
With related allowance recorded [Abstract]	'	'	'
With related allowance, unpaid principal balance	9,534	10,063	'
With related allowance, recorded investment	9,534	10,063	'
Allowance allocated	342	842	'
Impaired loans [Abstract]	'	'	'
Average of impaired loans	11,549	13,192	9,721
Commercial Real Estate [Member] | Commercial Improved [Member]	'	'	'
With no related allowance recorded [Abstract]	'	'	'
With no allowance, unpaid principal balance	2,797	7,268	'
With no allowance, recorded investment	2,272	6,127	'
With related allowance recorded [Abstract]	'	'	'
With related allowance, unpaid principal balance	14,450	15,386	'
With related allowance, recorded investment	14,450	15,386	'
Allowance allocated	479	1,071	'
Impaired loans [Abstract]	'	'	'
Average of impaired loans	20,191	17,975	18,195
Commercial Real Estate [Member] | Manufacturing and Industrial [Member]	'	'	'
With no related allowance recorded [Abstract]	'	'	'
With no allowance, unpaid principal balance	252	3,686	'
With no allowance, recorded investment	252	3,686	'
With related allowance recorded [Abstract]	'	'	'
With related allowance, unpaid principal balance	5,854	4,706	'
With related allowance, recorded investment	5,854	4,706	'
Allowance allocated	102	134	'
Impaired loans [Abstract]	'	'	'
Average of impaired loans	6,305	9,125	7,335
Consumer Loan [Member]	'	'	'
With no related allowance recorded [Abstract]	'	'	'
With no allowance, unpaid principal balance	0	4,614	'
With no allowance, recorded investment	0	3,062	'
With related allowance recorded [Abstract]	'	'	'
With related allowance, unpaid principal balance	14,483	11,024	'
With related allowance, recorded investment	14,483	11,024	'
Allowance allocated	881	716	'
Impaired loans [Abstract]	'	'	'
Average of impaired loans	14,532	15,857	12,433
Interest income recognized during impairment	537	538	413
Cash-basis interest income recognized	532	550	406
Consumer Loan [Member] | Residential Mortgage [Member]	'	'	'
With no related allowance recorded [Abstract]	'	'	'
With no allowance, unpaid principal balance	0	4,614	'
With no allowance, recorded investment	0	3,062	'
With related allowance recorded [Abstract]	'	'	'
With related allowance, unpaid principal balance	9,454	10,220	'
With related allowance, recorded investment	9,454	10,220	'
Allowance allocated	575	664	'
Consumer Loan [Member] | Unsecured [Member]	'	'	'
With no related allowance recorded [Abstract]	'	'	'
With no allowance, unpaid principal balance	0	0	'
With no allowance, recorded investment	0	0	'
With related allowance recorded [Abstract]	'	'	'
With related allowance, unpaid principal balance	0	0	'
With related allowance, recorded investment	0	0	'
Allowance allocated	0	0	'
Consumer Loan [Member] | Home Equity [Member]	'	'	'
With no related allowance recorded [Abstract]	'	'	'
With no allowance, unpaid principal balance	0	0	'
With no allowance, recorded investment	0	0	'
With related allowance recorded [Abstract]	'	'	'
With related allowance, unpaid principal balance	5,029	804	'
With related allowance, recorded investment	5,029	804	'
Allowance allocated	306	52	'
Consumer Loan [Member] | Other Secured [Member]	'	'	'
With no related allowance recorded [Abstract]	'	'	'
With no allowance, unpaid principal balance	0	0	'
With no allowance, recorded investment	0	0	'
With related allowance recorded [Abstract]	'	'	'
With related allowance, unpaid principal balance	0	0	'
With related allowance, recorded investment	0	0	'
Allowance allocated	$0	$0	'

LOANS_Past_Due_Loans_Details

LOANS, Past Due Loans (Details) (USD $)	Dec. 31, 2013	Dec. 31, 2012
	Payment
Recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans [Abstract]	'	'
Nonaccrual	$12,182,000	$15,385,000
Over 90 days Accruing	153,000	618,000
Aging of recorded investment in past due loans by class of loans [Abstract]	'	'
30 to 90 days past due	1,095,000	4,755,000
Greater than 90 days	4,425,000	3,132,000
Total past due	5,520,000	7,887,000
Loans not past due	1,036,857,000	1,044,461,000
Total ending loans balance	1,042,377,000	1,052,348,000
Specific reserves allocated to customers with modified term loans in troubled debt restructurings	3,870,000	6,005,000
Number of consecutive payment before nonaccrual restructured loan is upgraded	6	'
Number of months of performance before a loan is removed from TDR	'6 months	'
Commercial and Industrial [Member]	'	'
Recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans [Abstract]	'	'
Nonaccrual	5,625,000	7,657,000
Over 90 days Accruing	0	0
Aging of recorded investment in past due loans by class of loans [Abstract]	'	'
30 to 90 days past due	0	395,000
Greater than 90 days	0	219,000
Total past due	0	614,000
Loans not past due	274,099,000	259,086,000
Total ending loans balance	274,099,000	259,700,000
Commercial Real Estate [Member]	'	'
Recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans [Abstract]	'	'
Nonaccrual	5,553,000	6,637,000
Over 90 days Accruing	153,000	618,000
Aging of recorded investment in past due loans by class of loans [Abstract]	'	'
30 to 90 days past due	679,000	3,239,000
Greater than 90 days	4,425,000	2,539,000
Total past due	5,104,000	5,778,000
Loans not past due	467,236,000	497,181,000
Total ending loans balance	472,340,000	502,959,000
Commercial Real Estate [Member] | Residential Developed [Member]	'	'
Recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans [Abstract]	'	'
Nonaccrual	2,590,000	3,024,000
Over 90 days Accruing	153,000	0
Aging of recorded investment in past due loans by class of loans [Abstract]	'	'
30 to 90 days past due	143,000	0
Greater than 90 days	2,296,000	35,000
Total past due	2,439,000	35,000
Loans not past due	15,691,000	26,055,000
Total ending loans balance	18,130,000	26,090,000
Commercial Real Estate [Member] | Unsecured to Residential Developers [Member]	'	'
Recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans [Abstract]	'	'
Nonaccrual	0	0
Over 90 days Accruing	0	0
Aging of recorded investment in past due loans by class of loans [Abstract]	'	'
30 to 90 days past due	0	0
Greater than 90 days	0	0
Total past due	0	0
Loans not past due	7,315,000	5,547,000
Total ending loans balance	7,315,000	5,547,000
Commercial Real Estate [Member] | Vacant and Unimproved [Member]	'	'
Recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans [Abstract]	'	'
Nonaccrual	0	706,000
Over 90 days Accruing	0	0
Aging of recorded investment in past due loans by class of loans [Abstract]	'	'
30 to 90 days past due	0	17,000
Greater than 90 days	0	652,000
Total past due	0	669,000
Loans not past due	42,988,000	55,856,000
Total ending loans balance	42,988,000	56,525,000
Commercial Real Estate [Member] | Commercial Development [Member]	'	'
Recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans [Abstract]	'	'
Nonaccrual	23,000	2,000
Over 90 days Accruing	0	196,000
Aging of recorded investment in past due loans by class of loans [Abstract]	'	'
30 to 90 days past due	0	0
Greater than 90 days	23,000	199,000
Total past due	23,000	199,000
Loans not past due	2,411,000	1,600,000
Total ending loans balance	2,434,000	1,799,000
Commercial Real Estate [Member] | Residential Improved [Member]	'	'
Recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans [Abstract]	'	'
Nonaccrual	429,000	1,159,000
Over 90 days Accruing	0	0
Aging of recorded investment in past due loans by class of loans [Abstract]	'	'
30 to 90 days past due	98,000	520,000
Greater than 90 days	50,000	192,000
Total past due	148,000	712,000
Loans not past due	76,146,000	75,101,000
Total ending loans balance	76,294,000	75,813,000
Commercial Real Estate [Member] | Commercial Improved [Member]	'	'
Recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans [Abstract]	'	'
Nonaccrual	2,511,000	1,521,000
Over 90 days Accruing	0	422,000
Aging of recorded investment in past due loans by class of loans [Abstract]	'	'
30 to 90 days past due	438,000	2,502,000
Greater than 90 days	2,056,000	1,436,000
Total past due	2,494,000	3,938,000
Loans not past due	244,701,000	251,800,000
Total ending loans balance	247,195,000	255,738,000
Commercial Real Estate [Member] | Manufacturing and Industrial [Member]	'	'
Recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans [Abstract]	'	'
Nonaccrual	0	225,000
Over 90 days Accruing	0	0
Aging of recorded investment in past due loans by class of loans [Abstract]	'	'
30 to 90 days past due	0	200,000
Greater than 90 days	0	25,000
Total past due	0	225,000
Loans not past due	77,984,000	81,222,000
Total ending loans balance	77,984,000	81,447,000
Consumer Loan [Member]	'	'
Recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans [Abstract]	'	'
Nonaccrual	1,004,000	1,091,000
Over 90 days Accruing	0	0
Aging of recorded investment in past due loans by class of loans [Abstract]	'	'
30 to 90 days past due	416,000	1,121,000
Greater than 90 days	0	374,000
Total past due	416,000	1,495,000
Loans not past due	295,522,000	288,194,000
Total ending loans balance	295,938,000	289,689,000
Consumer Loan [Member] | Residential Mortgage [Member]	'	'
Recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans [Abstract]	'	'
Nonaccrual	639,000	447,000
Over 90 days Accruing	0	0
Aging of recorded investment in past due loans by class of loans [Abstract]	'	'
30 to 90 days past due	78,000	647,000
Greater than 90 days	0	110,000
Total past due	78,000	757,000
Loans not past due	188,570,000	181,868,000
Total ending loans balance	188,648,000	182,625,000
Consumer Loan [Member] | Unsecured [Member]	'	'
Recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans [Abstract]	'	'
Nonaccrual	33,000	19,000
Over 90 days Accruing	0	0
Aging of recorded investment in past due loans by class of loans [Abstract]	'	'
30 to 90 days past due	9,000	0
Greater than 90 days	0	0
Total past due	9,000	0
Loans not past due	1,328,000	1,683,000
Total ending loans balance	1,337,000	1,683,000
Consumer Loan [Member] | Home Equity [Member]	'	'
Recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans [Abstract]	'	'
Nonaccrual	332,000	625,000
Over 90 days Accruing	0	0
Aging of recorded investment in past due loans by class of loans [Abstract]	'	'
30 to 90 days past due	317,000	415,000
Greater than 90 days	0	264,000
Total past due	317,000	679,000
Loans not past due	95,644,000	92,085,000
Total ending loans balance	95,961,000	92,764,000
Consumer Loan [Member] | Other Secured [Member]	'	'
Recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans [Abstract]	'	'
Nonaccrual	0	0
Over 90 days Accruing	0	0
Aging of recorded investment in past due loans by class of loans [Abstract]	'	'
30 to 90 days past due	12,000	59,000
Greater than 90 days	0	0
Total past due	12,000	59,000
Loans not past due	9,980,000	12,558,000
Total ending loans balance	$9,992,000	$12,617,000

LOANS_Troubled_Debt_Restructur

LOANS, Troubled Debt Restructuring (Details) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
	Loan	Loan	Loan
Troubled debt restructurings [Abstract]	'	'	'
Number of Loans	271	286	'
Outstanding Recorded Balance	$68,092	$78,055	'
Troubled debt restructurings executed during current period [Abstract]	'	'	'
Number of loans	54	78	217
Pre-Modification Outstanding Recorded Balance	12,986	18,393	56,357
Principal Write-down Upon Modification	1,770	602	1,531
Modifications and Renewals that are not Troubled debt restructurings [Abstract]	'	'	'
Number of Loans - not considered TDRs	915	1,020	1,132
Outstanding Recorded Balance - not considered TDRs	219,752	283,015	221,824
Commercial and Industrial [Member]	'	'	'
Troubled debt restructurings [Abstract]	'	'	'
Number of Loans	43	58	'
Outstanding Recorded Balance	7,787	14,485	'
Troubled debt restructurings executed during current period [Abstract]	'	'	'
Number of loans	5	16	95
Pre-Modification Outstanding Recorded Balance	1,085	1,462	9,726
Principal Write-down Upon Modification	0	9	570
Modifications and Renewals that are not Troubled debt restructurings [Abstract]	'	'	'
Number of Loans - not considered TDRs	485	557	584
Outstanding Recorded Balance - not considered TDRs	101,988	138,174	88,196
Loans that became delinquent more than 90 days past due or transferred to nonaccrual within 12 months of restructuring [Abstract]	'	'	'
Number of Loans	0	3	5
Outstanding Recorded Balance	0	112	871
Commercial Real Estate [Member]	'	'	'
Troubled debt restructurings [Abstract]	'	'	'
Number of Loans	122	142	'
Outstanding Recorded Balance	45,774	49,936	'
Troubled debt restructurings executed during current period [Abstract]	'	'	'
Number of loans	13	52	106
Pre-Modification Outstanding Recorded Balance	4,298	15,413	44,122
Principal Write-down Upon Modification	0	332	961
Modifications and Renewals that are not Troubled debt restructurings [Abstract]	'	'	'
Number of Loans - not considered TDRs	368	384	436
Outstanding Recorded Balance - not considered TDRs	115,785	141,715	129,002
Loans that became delinquent more than 90 days past due or transferred to nonaccrual within 12 months of restructuring [Abstract]	'	'	'
Number of Loans	1	2	11
Outstanding Recorded Balance	1,350	225	2,806
Consumer [Member]	'	'	'
Troubled debt restructurings [Abstract]	'	'	'
Number of Loans	106	86	'
Outstanding Recorded Balance	14,531	13,634	'
Troubled debt restructurings executed during current period [Abstract]	'	'	'
Number of loans	36	10	16
Pre-Modification Outstanding Recorded Balance	7,603	1,518	2,509
Principal Write-down Upon Modification	1,770	261	0
Modifications and Renewals that are not Troubled debt restructurings [Abstract]	'	'	'
Number of Loans - not considered TDRs	62	79	112
Outstanding Recorded Balance - not considered TDRs	1,979	3,126	4,626
Loans that became delinquent more than 90 days past due or transferred to nonaccrual within 12 months of restructuring [Abstract]	'	'	'
Number of Loans	0	2	2
Outstanding Recorded Balance	$0	$184	$402

LOANS_Credit_Quality_Indicator

LOANS, Credit Quality Indicators (Details) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
	Grading
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Number point grading system used for loan quality	8	'
Internal ratings of loans considered substandard, or worse	'6 or worse	'
Loans classified as substandard or worse [Abstract]	'	'
Loans classified as substandard or worse	$27,652	$53,313
Not Classified as Impaired [Member]	'	'
Loans classified as substandard or worse [Abstract]	'	'
Loans classified as substandard or worse	7,400	13,015
Classified as Impaired [Member]	'	'
Loans classified as substandard or worse [Abstract]	'	'
Loans classified as substandard or worse	20,252	40,298
Excellent [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	509	1,349
Above Average [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	23,638	24,841
Good Quality [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	179,865	153,991
Acceptable Risk [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	444,001	432,328
Marginally Acceptable [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	70,774	96,837
Substandard [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	16,474	39,014
Doubtful [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	11,178	14,299
Loss [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	0	0
Commercial and Industrial [Member] | Excellent [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	509	1,349
Commercial and Industrial [Member] | Above Average [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	15,836	20,630
Commercial and Industrial [Member] | Good Quality [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	81,577	72,723
Commercial and Industrial [Member] | Acceptable Risk [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	155,680	146,415
Commercial and Industrial [Member] | Marginally Acceptable [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	13,513	12,027
Commercial and Industrial [Member] | Substandard [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	1,359	3,884
Commercial and Industrial [Member] | Doubtful [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	5,625	7,662
Commercial and Industrial [Member] | Loss [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	0	0
Residential Mortgage [Member]	'	'
Recorded investment in consumer loans based on payment activity [Abstract]	'	'
Recorded investment in consumer loans	188,648	182,625
Residential Mortgage [Member] | Performing [Member]	'	'
Recorded investment in consumer loans based on payment activity [Abstract]	'	'
Recorded investment in consumer loans	188,648	182,515
Residential Mortgage [Member] | Nonperforming [Member]	'	'
Recorded investment in consumer loans based on payment activity [Abstract]	'	'
Recorded investment in consumer loans	0	110
Unsecured [Member]	'	'
Recorded investment in consumer loans based on payment activity [Abstract]	'	'
Recorded investment in consumer loans	1,337	1,683
Unsecured [Member] | Performing [Member]	'	'
Recorded investment in consumer loans based on payment activity [Abstract]	'	'
Recorded investment in consumer loans	1,337	1,683
Unsecured [Member] | Nonperforming [Member]	'	'
Recorded investment in consumer loans based on payment activity [Abstract]	'	'
Recorded investment in consumer loans	0	0
Home Equity [Member]	'	'
Recorded investment in consumer loans based on payment activity [Abstract]	'	'
Recorded investment in consumer loans	95,961	92,764
Home Equity [Member] | Performing [Member]	'	'
Recorded investment in consumer loans based on payment activity [Abstract]	'	'
Recorded investment in consumer loans	95,961	92,500
Home Equity [Member] | Nonperforming [Member]	'	'
Recorded investment in consumer loans based on payment activity [Abstract]	'	'
Recorded investment in consumer loans	0	264
Other Secured [Member]	'	'
Recorded investment in consumer loans based on payment activity [Abstract]	'	'
Recorded investment in consumer loans	9,992	12,617
Other Secured [Member] | Performing [Member]	'	'
Recorded investment in consumer loans based on payment activity [Abstract]	'	'
Recorded investment in consumer loans	9,992	12,617
Other Secured [Member] | Nonperforming [Member]	'	'
Recorded investment in consumer loans based on payment activity [Abstract]	'	'
Recorded investment in consumer loans	0	0
Commercial Real Estate [Member] | Residential Developed [Member] | Excellent [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	0	0
Commercial Real Estate [Member] | Residential Developed [Member] | Above Average [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	0	0
Commercial Real Estate [Member] | Residential Developed [Member] | Good Quality [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	2,039	715
Commercial Real Estate [Member] | Residential Developed [Member] | Acceptable Risk [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	5,653	6,240
Commercial Real Estate [Member] | Residential Developed [Member] | Marginally Acceptable [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	5,232	9,772
Commercial Real Estate [Member] | Residential Developed [Member] | Substandard [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	2,616	6,339
Commercial Real Estate [Member] | Residential Developed [Member] | Doubtful [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	2,590	3,024
Commercial Real Estate [Member] | Residential Developed [Member] | Loss [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	0	0
Commercial Real Estate [Member] | Commercial Development [Member] | Excellent [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	0	0
Commercial Real Estate [Member] | Commercial Development [Member] | Above Average [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	0	0
Commercial Real Estate [Member] | Commercial Development [Member] | Good Quality [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	0	0
Commercial Real Estate [Member] | Commercial Development [Member] | Acceptable Risk [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	1,673	482
Commercial Real Estate [Member] | Commercial Development [Member] | Marginally Acceptable [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	532	1,102
Commercial Real Estate [Member] | Commercial Development [Member] | Substandard [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	207	213
Commercial Real Estate [Member] | Commercial Development [Member] | Doubtful [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	23	2
Commercial Real Estate [Member] | Commercial Development [Member] | Loss [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	0	0
Commercial Real Estate [Member] | Commercial Improved [Member] | Excellent [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	0	0
Commercial Real Estate [Member] | Commercial Improved [Member] | Above Average [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	7,382	2,009
Commercial Real Estate [Member] | Commercial Improved [Member] | Good Quality [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	45,391	40,253
Commercial Real Estate [Member] | Commercial Improved [Member] | Acceptable Risk [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	161,897	159,353
Commercial Real Estate [Member] | Commercial Improved [Member] | Marginally Acceptable [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	24,937	37,449
Commercial Real Estate [Member] | Commercial Improved [Member] | Substandard [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	5,075	15,153
Commercial Real Estate [Member] | Commercial Improved [Member] | Doubtful [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	2,511	1,521
Commercial Real Estate [Member] | Commercial Improved [Member] | Loss [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	0	0
Commercial Real Estate [Member] | Manufacturing and Industrial [Member] | Excellent [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	0	0
Commercial Real Estate [Member] | Manufacturing and Industrial [Member] | Above Average [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	311	2,087
Commercial Real Estate [Member] | Manufacturing and Industrial [Member] | Good Quality [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	24,546	17,795
Commercial Real Estate [Member] | Manufacturing and Industrial [Member] | Acceptable Risk [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	42,133	48,061
Commercial Real Estate [Member] | Manufacturing and Industrial [Member] | Marginally Acceptable [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	10,402	9,592
Commercial Real Estate [Member] | Manufacturing and Industrial [Member] | Substandard [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	593	3,687
Commercial Real Estate [Member] | Manufacturing and Industrial [Member] | Doubtful [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	0	225
Commercial Real Estate [Member] | Manufacturing and Industrial [Member] | Loss [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	0	0
Commercial Real Estate [Member] | Residential Improved [Member] | Excellent [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	0	0
Commercial Real Estate [Member] | Residential Improved [Member] | Above Average [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	109	115
Commercial Real Estate [Member] | Residential Improved [Member] | Good Quality [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	15,121	9,973
Commercial Real Estate [Member] | Residential Improved [Member] | Acceptable Risk [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	45,018	41,578
Commercial Real Estate [Member] | Residential Improved [Member] | Marginally Acceptable [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	9,391	14,471
Commercial Real Estate [Member] | Residential Improved [Member] | Substandard [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	6,226	8,517
Commercial Real Estate [Member] | Residential Improved [Member] | Doubtful [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	429	1,159
Commercial Real Estate [Member] | Residential Improved [Member] | Loss [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	0	0
Commercial Real Estate [Member] | Unsecured to Residential Developers [Member] | Excellent [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	0	0
Commercial Real Estate [Member] | Unsecured to Residential Developers [Member] | Above Average [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	0	0
Commercial Real Estate [Member] | Unsecured to Residential Developers [Member] | Good Quality [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	0	0
Commercial Real Estate [Member] | Unsecured to Residential Developers [Member] | Acceptable Risk [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	7,309	545
Commercial Real Estate [Member] | Unsecured to Residential Developers [Member] | Marginally Acceptable [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	6	12
Commercial Real Estate [Member] | Unsecured to Residential Developers [Member] | Substandard [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	0	0
Commercial Real Estate [Member] | Unsecured to Residential Developers [Member] | Doubtful [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	0	0
Commercial Real Estate [Member] | Unsecured to Residential Developers [Member] | Loss [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	0	0
Commercial Real Estate [Member] | Vacant and Unimproved [Member] | Excellent [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	0	0
Commercial Real Estate [Member] | Vacant and Unimproved [Member] | Above Average [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	0	0
Commercial Real Estate [Member] | Vacant and Unimproved [Member] | Good Quality [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	11,191	12,532
Commercial Real Estate [Member] | Vacant and Unimproved [Member] | Acceptable Risk [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	24,638	29,654
Commercial Real Estate [Member] | Vacant and Unimproved [Member] | Marginally Acceptable [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	6,761	12,412
Commercial Real Estate [Member] | Vacant and Unimproved [Member] | Substandard [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	398	1,221
Commercial Real Estate [Member] | Vacant and Unimproved [Member] | Doubtful [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	0	706
Commercial Real Estate [Member] | Vacant and Unimproved [Member] | Loss [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	$0	$0

OTHER_REAL_ESTATE_OWNED_Detail

OTHER REAL ESTATE OWNED (Details) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Year-end other real estate owned [Roll Forward]	'	'	'
Beginning balance	$69,743	$83,663	$68,388
Additions, transfers from loans and fixed assets	3,539	9,168	38,358
Proceeds from sales of other real estate owned	-16,501	-18,729	-21,540
Valuation allowance reversal upon sale	-4,378	-4,300	-3,058
Gain (loss) on sale of other real estate owned	1,098	-59	1,515
Other real estate owned, gross	53,501	69,743	83,663
Less: valuation allowance	-16,705	-18,161	-17,225
Ending balance	36,796	51,582	66,438
Activity in valuation allowance [Roll Forward]	'	'	'
Beginning balance	18,161	17,225	10,404
Additions charged to expense	2,922	5,236	9,879
Reversals upon sale	-4,378	-4,300	-3,058
Ending balance	$16,705	$18,161	$17,225

FAIR_VALUE_Details

FAIR VALUE (Details) (USD $)

12 Months Ended

In Thousands, unless otherwise specified

Dec. 31, 2013

Dec. 31, 2013

Dec. 31, 2012

Dec. 31, 2013

Dec. 31, 2012

Dec. 31, 2013

Dec. 31, 2012

Dec. 31, 2013

Dec. 31, 2012

Dec. 31, 2013

Dec. 31, 2012

Dec. 31, 2013

Dec. 31, 2012

Dec. 31, 2013

Dec. 31, 2012

Dec. 31, 2013

Dec. 31, 2012

Level

Recurring Basis [Member]

Recurring Basis [Member]

Recurring Basis [Member]

Recurring Basis [Member]

Recurring Basis [Member]

Recurring Basis [Member]

Recurring Basis [Member]

Recurring Basis [Member]

Nonrecurring Basis [Member]

Nonrecurring Basis [Member]

Nonrecurring Basis [Member]

Nonrecurring Basis [Member]

Nonrecurring Basis [Member]

Nonrecurring Basis [Member]

Nonrecurring Basis [Member]

Nonrecurring Basis [Member]

Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]

Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]

Significant Other Observable Inputs (Level 2) [Member]

Significant Other Observable Inputs (Level 2) [Member]

Significant Unobservable Inputs (Level 3) [Member]

Significant Unobservable Inputs (Level 3) [Member]

Fair Value [Member]

Fair Value [Member]

Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]

Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]

Significant Other Observable Inputs (Level 2) [Member]

Significant Other Observable Inputs (Level 2) [Member]

Significant Unobservable Inputs (Level 3) [Member]

Significant Unobservable Inputs (Level 3) [Member]

Fair Value [Member]

Fair Value [Member]

FAIR VALUE [Abstract]

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Number of levels of input

3

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Asset measured at fair value on recurring basis [Abstract]

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

U.S. Treasury and federal agency securities

'

$0

$0

$54,439

$42,564

$0

$0

$54,439

$42,564

'

'

'

'

'

'

'

'

U.S. Agency MBS and CMOs

'

0

0

19,365

23,761

0

0

19,365

23,761

'

'

'

'

'

'

'

'

Tax-exempt state and municipal bonds

'

0

0

26,849

20,793

0

0

26,849

20,793

'

'

'

'

'

'

'

'

Taxable state and municipal bonds

'

0

0

26,328

27,296

0

0

26,328

27,296

'

'

'

'

'

'

'

'

Corporate bonds

'

0

0

11,212

7,526

0

0

11,212

7,526

'

'

'

'

'

'

'

'

Other equity securities

'

0

0

1,466

1,557

0

0

1,466

1,557

'

'

'

'

'

'

'

'

Loans held for sale

'

0

0

1,915

8,130

0

0

1,915

8,130

'

'

'

'

'

'

'

'

Interest rate swaps

'

0

0

0

0

94

0

94

0

'

'

'

'

'

'

'

'

Interest rate swaps

'

0

0

0

0

-94

0

-94

0

'

'

'

'

'

'

'

'

Asset measured at fair value on non-recurring basis [Abstract]

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Impaired loans

'

'

'

'

'

'

'

'

'

0

0

0

0

22,403

34,668

22,403

34,668

Other real estate owned

'

'

'

'

'

'

'

'

'

$0

$0

$0

$0

$29,711

$41,594

$29,711

$41,594

FAIR_VALUE_Balance_Sheet_Group

FAIR VALUE, Balance Sheet Grouping (Details) (USD $)	Dec. 31, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Financial assets [Abstract]	'	'
Cash and due from banks	$38,714	$33,556
Bank-owned life insurance	27,517	26,804
Carrying Amount [Member]	'	'
Financial assets [Abstract]	'	'
FHLB stock	11,236	11,236
Carrying Amount [Member] | Commitments to Make Loans [Member]	'	'
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]	'	'
Off-balance sheet credit-related items	0	0
Fair Value [Member] | Commitments to Make Loans [Member]	'	'
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]	'	'
Off-balance sheet credit-related items	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Carrying Amount [Member]	'	'
Financial assets [Abstract]	'	'
Cash and due from banks	38,714	33,556
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Fair Value [Member]	'	'
Financial assets [Abstract]	'	'
Cash and due from banks	38,714	33,556
Significant Other Observable Inputs (Level 2) [Member] | Carrying Amount [Member]	'	'
Financial assets [Abstract]	'	'
Cash equivalents	118,178	192,802
Interest-bearing time deposits in other financial institutions	25,000	0
Securities held to maturity	19,248	4,300
Loans, net	1,004,767	993,941
Accrued interest receivable	3,231	3,411
Financial liabilities [Abstract]	'	'
Deposits	-1,249,734	-1,286,261
Other borrowed funds	-89,111	-91,822
Long-term debt	-41,238	-41,238
Subordinated debt	0	-1,650
Accrued interest payable	-308	-4,858
Significant Other Observable Inputs (Level 2) [Member] | Fair Value [Member]	'	'
Financial assets [Abstract]	'	'
Cash equivalents	118,178	192,802
Interest-bearing time deposits in other financial institutions	25,003	0
Securities held to maturity	19,278	4,301
Loans, net	990,084	999,619
Accrued interest receivable	3,231	3,411
Financial liabilities [Abstract]	'	'
Deposits	-1,249,734	-1,285,819
Other borrowed funds	-90,321	-95,213
Long-term debt	-35,098	-30,463
Subordinated debt	0	-1,650
Accrued interest payable	-308	-4,858
Significant Unobservable Inputs (Level 3) [Member] | Carrying Amount [Member]	'	'
Financial assets [Abstract]	'	'
Bank-owned life insurance	27,517	26,804
Significant Unobservable Inputs (Level 3) [Member] | Fair Value [Member]	'	'
Financial assets [Abstract]	'	'
Bank-owned life insurance	$27,517	$26,804

PREMISES_AND_EQUIPMENT_NET_Det

PREMISES AND EQUIPMENT - NET (Details) (USD $)	12 Months Ended
	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Property, Plant and Equipment, Net, by Type [Abstract]	'	'	'
Premises and equipment, Gross	$82,954,000	$81,439,000	'
Less accumulated depreciation	-29,313,000	-27,863,000	'
Premises and equipment, net, Total	53,641,000	53,576,000	'
Depreciation expense	2,342,000	2,400,000	2,661,000
Total rental expense for all operating leases	354,000	460,000	481,000
Future minimum rental expense under noncancelable leases [Abstract]	'	'	'
2014	254,000	'	'
2015	233,000	'	'
2016	230,000	'	'
2017	229,000	'	'
2018	229,000	'	'
Thereafter	356,000	'	'
Total future payments	1,531,000	'	'
Land [Member]	'	'	'
Property, Plant and Equipment, Net, by Type [Abstract]	'	'	'
Premises and equipment, Gross	18,236,000	18,236,000	'
Building [Member]	'	'	'
Property, Plant and Equipment, Net, by Type [Abstract]	'	'	'
Premises and equipment, Gross	42,530,000	42,512,000	'
Leasehold Improvements [Member]	'	'	'
Property, Plant and Equipment, Net, by Type [Abstract]	'	'	'
Premises and equipment, Gross	779,000	779,000	'
Fixture and Equipment [Member]	'	'	'
Property, Plant and Equipment, Net, by Type [Abstract]	'	'	'
Premises and equipment, Gross	20,344,000	19,308,000	'
Construction in Progress [Member]	'	'	'
Property, Plant and Equipment, Net, by Type [Abstract]	'	'	'
Premises and equipment, Gross	$1,065,000	$604,000	'

DEPOSITS_Details

DEPOSITS (Details) (USD $)	Dec. 31, 2013	Dec. 31, 2012
Summary of deposit [Abstract]	'	'
Noninterest-bearing demand	$344,550,000	$339,520,000
Interest bearing demand	287,417,000	278,765,000
Savings and money market accounts	469,542,000	476,803,000
Certificates of deposit	148,225,000	191,173,000
Total deposits	1,249,734,000	1,286,261,000
Maturities distribution of time deposits [Abstract]	'	'
2014	84,591,000	'
2015	44,430,000	'
2016	11,568,000	'
2017	5,428,000	'
2018	2,208,000	'
Thereafter	0	'
Total certificate of deposit	148,225,000	'
Certificate of deposits, $100,000 or more denominations	56,700,000	69,200,000
Denominations amount of certificates of deposit	$100,000	'

OTHER_BORROWED_FUNDS_Details

OTHER BORROWED FUNDS (Details) (USD $)	3 Months Ended		12 Months Ended
	Jun. 30, 2013	Sep. 30, 2012	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
	Loan
Advances from Federal Home Loan Bank [Abstract]	'	'	'	'	'
Advance Amount	'	'	$89,991,000	$91,822,000	'
Prepayment advances	'	20,000,000	'	'	'
FHLB Advance prepayment penalty	'	322,000	0	322,000	0
Residential and commercial real estate loans pledged as collateral for Federal Home Loan Bank advances	'	'	411,715,000	413,482,000	'
Number of existing FHLB advances modified	6	'	'	'	'
Amount of modified FHLB advances	60,000,000	'	'	'	'
Weighted average maturity before modification of advances	'3 years 2 months 19 days	'	'	'	'
Weighted average maturity after modification of advances	'4 years 10 months 10 days	'	'	'	'
Weighted average interest rate before modification (in hundredths)	1.95%	'	'	'	'
Weighted average interest rate after modification (in hundredths)	1.94%	'	'	'	'
Scheduled repayments of FHLB advances [Abstract]	'	'	'	'	'
Total	'	'	89,991,000	91,822,000	'
Federal Reserve Bank borrowings [Abstract]	'	'	'	'	'
Unused borrowing capacity to Federal Reserve Bank	'	'	22,700,000	30,300,000	'
Commercial and mortgage loans pledged to the Federal Reserve Bank	'	'	26,600,000	37,200,000	'
Federal Home Loan Bank Advances [Member]	'	'	'	'	'
Scheduled repayments of FHLB advances [Abstract]	'	'	'	'	'
2013	'	'	1,884,000	'	'
2014	'	'	1,938,000	'	'
2015	'	'	21,996,000	'	'
2016	'	'	2,055,000	'	'
2017	'	'	52,118,000	'	'
Thereafter	'	'	10,000,000	'	'
Total	'	'	89,991,000	'	'
Single Maturity Fixed Rate Advances [Member]	'	'	'	'	'
Advances from Federal Home Loan Bank [Abstract]	'	'	'	'	'
Advance Amount	'	'	80,000,000	80,000,000	'
Range of Maturity, Minimum	'	'	'August, 2016	'May, 2015	'
Range of Maturity, Maximum	'	'	'February, 2019	'September, 2016	'
Weighted Average Interest Rate (in hundredths)	'	'	1.69%	1.70%	'
Amortizable Mortgage Advances [Member]	'	'	'	'	'
Advances from Federal Home Loan Bank [Abstract]	'	'	'	'	'
Advance Amount	'	'	$9,991,000	$11,822,000	'
Range of Maturity, Minimum	'	'	'March, 2018	'March, 2018	'
Range of Maturity, Maximum	'	'	'July, 2018	'July, 2018	'
Weighted Average Interest Rate (in hundredths)	'	'	3.78%	3.78%	'

LONGTERM_DEBT_Details

LONG-TERM DEBT (Details) (USD $)	12 Months Ended
	Dec. 31, 2013	Dec. 31, 2012
	Payment
Debt Instrument [Line Items]	'	'
Debt instrument, Amount	$40,000,000	'
Issuance date	21-Apr-11	'
Proceeds from debenture issued	41,238,000	'
Number of interest deferrals on consecutive quarterly payments	20	'
Long-term debt	41,238,000	41,238,000
Other assets	4,491,000	4,435,000
Tier 1 capital for regulatory capital purposes	40,000,000	37,700,000
Common Securities [Member]	'	'
Debt Instrument [Line Items]	'	'
Other assets	1,238,000	1,238,000
Macatawa Statutory Trust I [Member]	'	'
Debt Instrument [Line Items]	'	'
Basis spread on three-month LIBOR (in hundredths)	3.05%	'
Description of Variable Rate Basis	'LIBOR	'
Accrued and unpaid interest included in accrued expenses and other liabilities	3,000,000	'
Macatawa Statutory Trust I [Member] | Preferred Securities [Member]	'	'
Debt Instrument [Line Items]	'	'
Debt instrument, Amount	20,000,000	'
Macatawa Statutory Trust I [Member] | Common Securities [Member]	'	'
Debt Instrument [Line Items]	'	'
Debt instrument, Amount	619,000	'
Macatawa Statutory Trust II [Member]	'	'
Debt Instrument [Line Items]	'	'
Basis spread on three-month LIBOR (in hundredths)	2.75%	'
Description of Variable Rate Basis	'LIBOR	'
Accrued and unpaid interest included in accrued expenses and other liabilities	2,700,000	'
Macatawa Statutory Trust II [Member] | Preferred Securities [Member]	'	'
Debt Instrument [Line Items]	'	'
Debt instrument, Amount	20,000,000	'
Macatawa Statutory Trust II [Member] | Common Securities [Member]	'	'
Debt Instrument [Line Items]	'	'
Debt instrument, Amount	619,000	'
Debentures [Member]	'	'
Debt Instrument [Line Items]	'	'
Long-term debt	$41,238,000	$41,238,000

RELATED_PARTY_TRANSACTIONS_Det

RELATED PARTY TRANSACTIONS (Details) (USD $)	12 Months Ended
	Dec. 31, 2013	Dec. 31, 2012
Loans to principal officers, directors, and their affiliates [Roll Forward]	'	'
Beginning balance	$5,645,000	$1,370,000
New loans and renewals	10,704,000	10,222,000
Repayments and renewals	-12,887,000	-5,947,000
Effect of changes in related parties	0	0
Ending balance	3,462,000	5,645,000
Principal Officers, Directors, and Affiliates [Member]	'	'
Loans to principal officers, directors, and their affiliates [Roll Forward]	'	'
Deposits from principal officers, directors, and their affiliates	$113,800,000	$154,800,000

STOCKBASED_COMPENSATION_Detail

STOCK-BASED COMPENSATION (Details) (USD $)	12 Months Ended
	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]	'	'	'
Number of shares permitted under the plan (in shares)	210,000	'	'
Stock Options [Member]	'	'	'
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]	'	'	'
Contractual term	'P10Y	'	'
Summary of option activity in the plans [Roll Forward]	'	'	'
Beginning Balance (in shares)	472,719	'	'
Forfeited (in shares)	0	'	'
Expired (in shares)	-117,391	'	'
Ending Balance (in shares)	355,328	472,719	'
Exercisable, Number (in shares)	355,328	'	'
Weighted Average Exercise Price [Roll Forward]	'	'	'
Outstanding beginning balance (in dollars per share)	$16.44	'	'
Forfeited (in dollars per share)	$0	'	'
Expired (in dollars per share)	$12.76	'	'
Outstanding ending balance (in dollars per share)	$17.65	$16.44	'
Exercisable, Weighted Average Exercise Price (in dollars per share)	$17.65	'	'
Options outstanding, Weighted Average Remaining Contractual Term	'2 years 1 month 2 days	'	'
Exercisable, Weighted Average Remaining Contractual Term	'2 years 1 month 2 days	'	'
Options outstanding, Intrinsic Value	$0	'	'
Exercisable, Intrinsic Value	0	'	'
Information related to stock options during each year [Abstract]	'	'	'
Intrinsic value of options exercised	0	0	0
Cash received from option exercises	0	0	0
Tax benefit realized from option exercises	0	0	0
Allocated Share-based Compensation Expense	0	0	0
Aggregate Intrinsic Value [Roll Forward]	'	'	'
Total remaining unrecognized compensation cost related to nonvested shares	0	'	'
Stock Options [Member] | Minimum [Member]	'	'	'
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]	'	'	'
Award vesting period	'1 year	'	'
Stock Options [Member] | Maximum [Member]	'	'	'
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]	'	'	'
Award vesting period	'3 years	'	'
Restricted Stock [Member]	'	'	'
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]	'	'	'
Award vesting period	'3 years	'	'
Information related to stock options during each year [Abstract]	'	'	'
Allocated Share-based Compensation Expense	160,000	9,000	66,000
Changes in nonvested stock awards, Number of Shares [Roll Forward]	'	'	'
Outstanding, beginning balance (in shares)	121,000	'	'
Granted (in shares)	125,500	'	'
Vested (in shares)	-40,329	'	'
Forfeited (in shares)	0	'	'
Outstanding ending balance (in shares)	206,171	121,000	'
Weighted-Average Grant-Date Fair Value [Roll Forward]	'	'	'
Outstanding beginning balance (in dollars per share)	$2.90	'	'
Granted (in dollars per share)	$5.17	'	'
Vested (in dollars per share)	$2.90	'	'
Forfeited (in dollars per share)	$0	'	'
Outstanding, ending balance (in dollars per share)	$4.28	$2.90	'
Aggregate Intrinsic Value [Roll Forward]	'	'	'
Outstanding beginning balance	605,000	'	'
Granted	627,500	'	'
Vested	201,645	'	'
Outstanding ending balance	1,030,855	605,000	'
Total remaining unrecognized compensation cost related to nonvested shares	895,260	'	'
Weighted-average period	'1 year 9 months 14 days	'	'
Total fair value of shares vested	$116,954	$0	$192,000
Employees' Plans [Member]	'	'	'
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]	'	'	'
Number of shares permitted under the plan (in shares)	1,917,210	'	'
Shares available for issuance (in shares)	337,432	'	'
Directors' Plans [Member]	'	'	'
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]	'	'	'
Number of shares permitted under the plan (in shares)	473,278	'	'
Shares available for issuance (in shares)	165,375	'	'

EMPLOYEE_BENEFITS_Details

EMPLOYEE BENEFITS (Details) (USD $)	12 Months Ended
	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
EMPLOYEE BENEFITS [Abstract]	'	'	'
Employer matching contribution, first (in hundredths)	100.00%	'	'
Employee contribution, first (in hundredths)	3.00%	'	'
Employer matching contribution, second (in hundredths)	50.00%	'	'
Employee contribution, second (in hundredths)	3.00%	'	'
Maximum employer matching contribution (in hundredths)	5.00%	'	'
Number of shares permitted under the plan (in shares)	210,000	'	'
Employer contributions	$584,000	$0	$0

EARNINGS_PER_COMMON_SHARE_Deta

EARNINGS PER COMMON SHARE (Details) (USD $)	3 Months Ended								12 Months Ended
In Thousands, except Share data, unless otherwise specified	Dec. 31, 2013	Sep. 30, 2013	Jun. 30, 2013	Mar. 31, 2013	Dec. 31, 2012	Sep. 30, 2012	Jun. 30, 2012	Mar. 31, 2012	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Reconciliation of numerators and denominators of basic and diluted earnings per common share [Abstract]	'	'	'	'	'	'	'	'	'	'	'
Net Income	$2,234	$2,238	$2,603	$2,473	$21,234	$6,585	$3,186	$4,485	$9,549	$35,490	$5,829
Effect of induced exchange of preferred stock	'	'	'	'	'	'	'	'	-17,575	0	0
Net income (loss) available to common shares	'	'	'	'	'	'	'	'	($8,026)	$35,490	$5,829
Weighted average shares outstanding, including restricted stock awards - Basic (in shares)	'	'	'	'	'	'	'	'	27,161,888	27,086,792	22,739,990
Dilutive potential common shares [Abstract]	'	'	'	'	'	'	'	'	'	'	'
Stock options (in shares)	'	'	'	'	'	'	'	'	0	0	0
Conversion of preferred stock (in shares)	'	'	'	'	'	'	'	'	0	0	0
Stock warrants (in shares)	'	'	'	'	'	'	'	'	0	0	0
Weighted average shares outstanding - Diluted (in shares)	'	'	'	'	'	'	'	'	27,161,888	27,086,792	22,739,990
Basic earnings (loss) per common share (in dollars per share)	($0.56)	$0.08	$0.10	$0.09	$0.78	$0.24	$0.12	$0.17	($0.29)	$1.31	$0.26
Diluted earnings (loss) per common share (in dollars Per Share)	($0.56)	$0.08	$0.10	$0.09	$0.78	$0.24	$0.12	$0.17	($0.29)	$1.31	$0.26
Stock Options [Member]	'	'	'	'	'	'	'	'	'	'	'
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]	'	'	'	'	'	'	'	'	'	'	'
Antidilutive securities excluded from computation of earnings per share amount (in shares)	'	'	'	'	'	'	'	'	355,328	472,719	634,427
Restricted Stock [Member]	'	'	'	'	'	'	'	'	'	'	'
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]	'	'	'	'	'	'	'	'	'	'	'
Antidilutive securities excluded from computation of earnings per share amount (in shares)	'	'	'	'	'	'	'	'	206,167	'	'

FEDERAL_INCOME_TAXES_Details

FEDERAL INCOME TAXES (Details) (USD $)	3 Months Ended	12 Months Ended
	Dec. 31, 2013	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011	Dec. 31, 2009
Income tax expense (benefit) [Abstract]	'	'	'	'	'
Current	'	$120,000	$275,000	($198,000)	'
Deferred	'	4,150,000	0	198,000	'
Valuation allowance - change in estimate	-18,900,000	0	-18,858,000	0	'
Tax expense (benefit)	'	4,270,000	-18,583,000	0	'
Difference between financial statement tax expense (benefit) and amount computed by applying statutory federal tax rate to pretax income [Abstract]	'	'	'	'	'
Statutory rate (in hundredths)	'	35.00%	35.00%	35.00%	'
Statutory rate applied to income before taxes	'	4,837,000	5,917,000	2,040,000	'
Add (deduct) [Abstract]	'	'	'	'	'
Change in valuation allowance	'	0	-24,026,000	-1,624,000	'
Tax-exempt interest income	'	-244,000	-103,000	-10,000	'
Bank-owned life insurance	'	-250,000	-297,000	-330,000	'
Other, net	'	-73,000	-74,000	-76,000	'
Income tax expense (benefit)	'	4,270,000	-18,583,000	0	'
Valuation allowance on deferred tax assets	0	0	0	'	18,000,000
Other real estate	'	'	51,600,000	14,800,000	'
Valuation allowance	0	0	18,900,000	'	'
Deferred tax assets [Abstract]	'	'	'	'	'
Allowance for loan losses	7,279,000	7,279,000	8,309,000	'	'
Nonaccrual loan interest	782,000	782,000	1,023,000	'	'
Valuation allowance on other real estate owned	5,847,000	5,847,000	6,356,000	'	'
Net operating loss carryforward	1,743,000	1,743,000	4,188,000	'	'
Unrealized loss on securities available for sale	1,053,000	1,053,000	0	'	'
Other	1,808,000	1,808,000	1,794,000	'	'
Gross deferred tax assets	18,512,000	18,512,000	21,670,000	'	'
Valuation allowance	0	0	0	'	-18,000,000
Total net deferred tax assets	18,512,000	18,512,000	21,670,000	'	'
Deferred tax liabilities [Abstract]	'	'	'	'	'
Depreciation	-1,620,000	-1,620,000	-1,693,000	'	'
Unrealized gain on securities available for sale	0	0	-517,000	'	'
Prepaid expenses	-308,000	-308,000	-308,000	'	'
Other	-384,000	-384,000	-372,000	'	'
Gross deferred tax liabilities	-2,312,000	-2,312,000	-2,890,000	'	'
Net deferred tax asset	16,200,000	16,200,000	18,780,000	'	'
Federal net operating loss carry forwards	5,000,000	5,000,000	'	'	'
Federal net operating loss carry forwards, expiration date	'	'2030	'	'	'
Unrecognized tax benefits	$0	$0	$0	'	'
Period when unrecognized tax benefits is not expected to significantly increase or decrease	'	'12 months	'	'	'

COMMITMENTS_AND_OFFBALANCESHEE2

COMMITMENTS AND OFF-BALANCE-SHEET RISK (Details) (USD $)	Dec. 31, 2013	Dec. 31, 2012
Summary of the contractual amounts of financial instruments with off-balance-sheet risk [Abstract]	'	'
Notional amount of commitments to fund mortgage loans to be sold into the secondary market	$14,700,000	$26,900,000
Commitments to make loans at fixed rates (in hundredths)	30.00%	'
Expiration period of commitment to make variable rate loan	'30 days	'
Commitments to make Loans [Member]	'	'
Summary of the contractual amounts of financial instruments with off-balance-sheet risk [Abstract]	'	'
Contractual amounts of financial instruments with off-balance-sheet risk	87,513,000	75,319,000
Letters of Credit [Member]	'	'
Summary of the contractual amounts of financial instruments with off-balance-sheet risk [Abstract]	'	'
Contractual amounts of financial instruments with off-balance-sheet risk	10,774,000	8,200,000
Unused lines of Credit [Member]	'	'
Summary of the contractual amounts of financial instruments with off-balance-sheet risk [Abstract]	'	'
Contractual amounts of financial instruments with off-balance-sheet risk	$313,232,000	$276,620,000

CONTINGENCIES_Details

CONTINGENCIES (Details) (Employment Agreement Litigation, Benj. A. Smith III [Member], Subsequent Event [Member], USD $)	0 Months Ended
	Jan. 27, 2014
Employment Agreement Litigation, Benj. A. Smith III [Member] | Subsequent Event [Member]	'
Contingencies [Line Items]	'
Monthly amount of damage claimed for employment agreement	$20,833
Period of monthly damage claims sought for employment agreement	'P6Y
Minimum damages sought for claim	$25,000

SHAREHOLDERS_EQUITY_Details

SHAREHOLDERS' EQUITY (Details) (USD $)

0 Months Ended

12 Months Ended

12 Months Ended

12 Months Ended

Jun. 30, 2011

Dec. 31, 2013

Dec. 31, 2012

Dec. 31, 2011

Dec. 31, 2009

Jun. 29, 2011

Jun. 07, 2011

Dec. 31, 2010

Dec. 31, 2013

Dec. 31, 2013

Dec. 31, 2008

Dec. 31, 2013

Dec. 31, 2009

Dec. 31, 2010

Dec. 31, 2013

Dec. 31, 2013

Dec. 31, 2012

Dec. 31, 2013

Dec. 31, 2012

Category

Subordinated Note, Due 2018 [Member]

Series A Preferred Stock [Member]

Series A Preferred Stock [Member]

Series B Preferred Stock [Member]

Series B Preferred Stock [Member]

Series B Preferred Stock [Member]

Common Stock [Member]

Consolidated [Member]

Consolidated [Member]

Bank [Member]

Bank [Member]

SHAREHOLDERS' EQUITY [Abstract]

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Number of classification of prompt corrective action regulations

'

5

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Summary of actual capital levels and minimum required levels [Abstract]

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Total capital (to risk weighted assets), actual amount

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

$174,434,000

$168,929,000

$171,796,000

$164,214,000

Total capital (to risk weighted assets), actual ratio (in hundredths)

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

15.70%

15.00%

15.40%

14.50%

Tier 1 capital (to risk weighted assets), actual amount

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

160,455,000

150,857,000

157,825,000

149,960,000

Tier 1 capital (to risk weighted assets), actual ratio (in hundredths)

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

14.40%

13.40%

14.20%

13.30%

Tier 1 capital (to average assets), actual amount

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

160,455,000

150,857,000

157,825,000

149,960,000

[1]

Tier 1 capital (to average assets), actual ratio (in hundredths)

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

10.60%

10.40%

10.50%

10.30%

[1]

Total capital (to risk weighted assets), minimum required for capital adequacy purposes, amount

'

40,000,000

37,700,000

'

'

'

'

'

'

'

'

'

'

'

'

88,922,000

90,244,000

88,868,000

90,299,000

Total capital (to risk weighted assets) minimum required for capital adequacy purposes, ratio (in hundredths)

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

8.00%

8.00%

8.00%

8.00%

Tier 1 capital (to risk weighted assets), minimum required for capital adequacy purposes, amount

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

44,461,000

45,122,000

44,434,000

45,150,000

Tier 1 capital (to risk weighted assets), minimum required for capital adequacy purposes, ratio (in hundredths)

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

4.00%

4.00%

4.00%

4.00%

Tier 1 capital (to average assets), minimum required for capital adequacy purposes, amount

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

60,482,000

58,312,000

60,407,000

58,371,000

[1]

Tier 1 capital (to average assets), minimum required for capital adequacy purposes, ratio (in hundredths)

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

4.00%

4.00%

4.00%

4.00%

[1]

Total capital (to risk weighted assets) to be well capitalized under prompt corrective action regulations, amount

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

111,085,000

112,874,000

Total capital (to risk weighted assets) to be well capitalized under prompt corrective action regulations, ratio (in hundredths)

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

10.00%

10.00%

Tier 1 capital (to risk weighted assets) to be well capitalized under prompt corrective action regulations, amount

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

66,732,000

67,724,000

Tier 1 capital (to risk weighted assets) to be well capitalized under prompt corrective action regulations, ratio (in hundredths)

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

6.00%

6.00%

Tier 1 capital (to average assets) to be well capitalized under prompt corrective action regulations, amount

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

75,509,000

72,964,000

[1]

Tier 1 capital (to average assets) to be well capitalized under prompt corrective action regulations, ratio (in hundredths)

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

5.00%

5.00%

[1]

Tier 1 capital (to average assets) minimum required under MOU/consent order, amount

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

116,742,000

Tier 1 capital (to average assets) minimum required under MOU/consent order, ratio (in hundredths)

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

8.00%

Trust preferred securities that qualified as Tier one risk based capital

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

40,000,000

37,700,000

Convertible Preferred Stock [Abstract]

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Stock issued in private offerings (in shares)

'

'

'

'

'

'

'

'

'

'

31,290

'

'

2,600

'

'

'

'

'

Preferred stock coupon rate (in hundredths)

'

'

'

'

'

'

'

'

'

'

12.00%

'

9.00%

'

'

'

'

'

'

Preferred stock, liquidation value (in dollars per share)

'

'

'

'

'

'

'

'

'

'

$1,000

'

'

$1,000

'

'

'

'

'

Aggregate liquidation preference

'

'

'

'

'

'

'

'

'

'

31,300,000

'

'

2,600,000

'

'

'

'

'

Proceeds from issuance of Convertible Preferred Stock

'

'

'

'

'

'

'

'

'

'

30,600,000

'

2,600,000

'

'

'

'

'

'

Stock issuance costs

'

'

'

'

'

'

'

'

'

'

686,000

'

40,000

'

'

'

'

'

'

Preferred stock, par value (in dollars per share)

'

$0

$0

'

'

'

'

'

'

$0

'

$0

'

'

'

'

'

'

'

Amount fixed as denominator for division by liquidation preference (in dollars per share)

'

'

'

'

'

'

'

'

'

$5.25

'

$5.25

'

'

'

'

'

'

'

Amount equivalent to cash for each series of preferred stock (in dollars per share)

'

'

'

'

'

'

'

'

'

$142

'

$182

'

'

'

'

'

'

'

Amount specified by which common stock of shares are divided for cancellation and exchange (in dollars per share)

'

'

'

'

'

'

'

'

'

'

'

'

'

'

$5.25

'

'

'

'

Dividend rate for one time cash payments (in hundredths)

'

'

'

'

'

'

'

'

'

5.00%

'

4.50%

'

'

'

'

'

'

'

Payments from exchange of preferred stock

'

'

'

'

'

'

'

'

'

4,400,000

'

319,000

'

'

'

'

'

'

'

Preferred stock exchange of Preferred Stock Series A to shares of common stock (in shares)

'

'

'

'

'

'

'

'

'

593,519

'

'

'

'

'

'

'

'

'

Preferred stock exchange of Preferred Stock Series B to shares of common stock (in shares)

'

'

'

'

'

'

'

'

'

'

'

457,519

'

'

'

'

'

'

'

Inducement payment

'

4,700,000

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Exchange of preferred stock

'

17,575,000

0

0

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Subordinated Notes [Abstract]

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Proceeds from issuance of debt

'

41,238,000

'

'

'

'

'

'

1,000,000

'

'

'

'

'

'

'

'

'

'

Debt instrument due date

'

'

'

'

'

'

'

'

'2018

'

'

'

'

'

'

'

'

'

'

Issuance date

'

21-Apr-11

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Common Stock [Abstract]

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Common stock shares, issued (in shares)

'

'

'

'

'

4,456,186

4,456,186

'

'

'

'

'

'

'

'

'

'

'

'

Average price of common stock shares issued (in dollars per share)

'

'

'

'

'

$2.30

$2.30

'

'

'

'

'

'

'

'

'

'

'

'

Proceeds from issuance of common stock

20,300,000

0

0

19,319,000

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Amount contributed to bank

10,000,000

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Warrant issued [Abstract]

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Warrant issued to purchase common stock (in shares)

'

'

'

'

'

'

'

1,478,811

'

'

'

'

'

'

'

'

'

'

'

Exercise price of warrants (in dollars per share)

'

'

'

'

'

'

'

$9

'

'

'

'

'

'

'

'

'

'

'

Fair value of warrants issued

'

'

'

'

$806,000

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Warrants per common stock (in dollars per share)

'

'

'

'

$0.54

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Warrant expiration date

'

'

'

'

18-Jun-15

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Warrants issued during period, expiration period

'

'

'

'

'5 years

'

'

'

'

'

'

'

'

'

'

'

'

'

'

[1]

The MOU in effect at December 31, 2012 required a capital level of 8.0%, or $116,742, which the Bank exceeded.

CONDENSED_FINANCIAL_STATEMENTS2

CONDENSED FINANCIAL STATEMENTS (PARENT COMPANY ONLY) (Details) (USD $)

0 Months Ended

3 Months Ended

12 Months Ended

Jun. 30, 2011

Dec. 31, 2013

Sep. 30, 2013

Jun. 30, 2013

Mar. 31, 2013

Dec. 31, 2012

Sep. 30, 2012

Jun. 30, 2012

Mar. 31, 2012

Dec. 31, 2013

Dec. 31, 2012

Dec. 31, 2011

Dec. 31, 2010

ASSETS

'

'

'

'

'

'

'

'

'

'

'

'

'

Cash and cash equivalents

'

$156,892,000

'

'

'

$226,358,000

'

'

'

$156,892,000

$226,358,000

$243,042,000

'

Other assets

'

4,491,000

'

'

'

4,435,000

'

'

'

4,491,000

4,435,000

'

'

Total assets

'

1,517,405,000

'

'

'

1,560,718,000

'

'

'

1,517,405,000

1,560,718,000

'

'

LIABILITIES AND SHAREHOLDERS' EQUITY

'

'

'

'

'

'

'

'

'

'

'

'

'

Subordinated debt

'

0

'

'

'

1,650,000

'

'

'

0

1,650,000

'

'

Long-term debt

'

41,238,000

'

'

'

41,238,000

'

'

'

41,238,000

41,238,000

'

'

Total liabilities

'

1,384,883,000

'

'

'

1,430,211,000

'

'

'

1,384,883,000

1,430,211,000

'

'

Total shareholders' equity

'

132,522,000

'

'

'

130,507,000

'

'

'

132,522,000

130,507,000

94,426,000

67,842,000

Total liabilities and shareholders' equity

'

1,517,405,000

'

'

'

1,560,718,000

'

'

'

1,517,405,000

1,560,718,000

'

'

Expense

'

'

'

'

'

'

'

'

'

'

'

'

'

Interest expense

'

'

'

'

'

'

'

'

'

7,337,000

9,814,000

14,480,000

'

Income tax benefit

'

'

'

'

'

'

'

'

'

4,270,000

-18,583,000

0

'

Net income

'

2,234,000

2,238,000

2,603,000

2,473,000

21,234,000

6,585,000

3,186,000

4,485,000

9,549,000

35,490,000

5,829,000

'

Net income (loss) available to common shares

'

'

'

'

'

'

'

'

'

-8,026,000

35,490,000

5,829,000

'

Comprehensive income

'

'

'

'

'

'

'

'

'

6,634,000

36,072,000

6,196,000

'

Cash flows from operating activities

'

'

'

'

'

'

'

'

'

'

'

'

'

Net income

'

2,234,000

2,238,000

2,603,000

2,473,000

21,234,000

6,585,000

3,186,000

4,485,000

9,549,000

35,490,000

5,829,000

'

Adjustments to reconcile net income to net cash from operating activities:

'

'

'

'

'

'

'

'

'

'

'

'

'

Net cash from operating activities

'

'

'

'

'

'

'

'

'

16,312,000

13,495,000

12,153,000

'

Cash flows from investing activities

'

'

'

'

'

'

'

'

'

'

'

'

'

Net cash from investing activities

'

'

'

'

'

'

'

'

'

-40,991,000

-44,048,000

72,507,000

'

Cash flows from financing activities

'

'

'

'

'

'

'

'

'

'

'

'

'

Proceeds from issuance of subordinated note and conversion to common stock

'

'

'

'

'

'

'

'

'

0

0

1,000,000

'

Proceeds from issuance of common stock

20,300,000

'

'

'

'

'

'

'

'

0

0

19,319,000

'

Repurchases of shares

'

'

'

'

'

'

'

'

'

-45,000

0

0

'

Cash paid in preferred stock exchange

'

'

'

'

'

'

'

'

'

-4,734,000

0

0

'

Net cash from financing activities

'

'

'

'

'

'

'

'

'

-44,787,000

13,869,000

-77,745,000

'

Net change in cash and cash equivalents

'

'

'

'

'

'

'

'

'

-69,466,000

-16,684,000

6,915,000

'

Beginning cash and cash equivalents

'

'

'

'

226,358,000

'

'

'

243,042,000

226,358,000

243,042,000

236,127,000

'

Ending cash and cash equivalents

'

156,892,000

'

'

'

226,358,000

'

'

'

156,892,000

226,358,000

243,042,000

'

Supplemental noncash disclosures:

'

'

'

'

'

'

'

'

'

'

'

'

'

Conversion of subordinated note to 491,830 shares of common stock

'

'

'

'

'

'

'

'

'

0

0

1,003,000

'

Conversion of 300 shares of Preferred Series B to 50,000 shares of common stock

'

'

'

'

'

'

'

'

'

300,000

0

0

'

Exchange of 31,290 shares of Preferred Series A to 5,973,519 shares of common stock

'

'

'

'

'

'

'

'

'

30,604,000

0

0

'

Exchange of 2,300 shares of Preferred Series B to 457,159 shares of common stock

'

'

'

'

'

'

'

'

'

2,260,000

0

0

'

Parent Company [Member]

'

'

'

'

'

'

'

'

'

'

'

'

'

ASSETS

'

'

'

'

'

'

'

'

'

'

'

'

'

Cash and cash equivalents

'

1,910,000

'

'

'

9,787,000

'

'

'

1,910,000

9,787,000

10,535,000

'

Investments in Bank subsidiary

'

167,292,000

'

'

'

164,127,000

'

'

'

167,292,000

164,127,000

'

'

Investment in other subsidiaries

'

1,504,000

'

'

'

1,654,000

'

'

'

1,504,000

1,654,000

'

'

Other assets

'

3,272,000

'

'

'

2,532,000

'

'

'

3,272,000

2,532,000

'

'

Total assets

'

173,978,000

'

'

'

178,100,000

'

'

'

173,978,000

178,100,000

'

'

LIABILITIES AND SHAREHOLDERS' EQUITY

'

'

'

'

'

'

'

'

'

'

'

'

'

Subordinated debt

'

0

'

'

'

1,650,000

'

'

'

0

1,650,000

'

'

Long-term debt

'

41,238,000

'

'

'

41,238,000

'

'

'

41,238,000

41,238,000

'

'

Other liabilities

'

218,000

'

'

'

4,705,000

'

'

'

218,000

4,705,000

'

'

Total liabilities

'

41,456,000

'

'

'

47,593,000

'

'

'

41,456,000

47,593,000

'

'

Total shareholders' equity

'

132,522,000

'

'

'

130,507,000

'

'

'

132,522,000

130,507,000

'

'

Total liabilities and shareholders' equity

'

173,978,000

'

'

'

178,100,000

'

'

'

173,978,000

178,100,000

'

'

Income

'

'

'

'

'

'

'

'

'

'

'

'

'

Dividends from subsidiaries

'

'

'

'

'

'

'

'

'

5,179,000

0

0

'

Other

'

'

'

'

'

'

'

'

'

0

0

0

'

Total income

'

'

'

'

'

'

'

'

'

5,179,000

0

0

'

Expense

'

'

'

'

'

'

'

'

'

'

'

'

'

Interest expense

'

'

'

'

'

'

'

'

'

1,563,000

1,719,000

1,598,000

'

Other expense

'

'

'

'

'

'

'

'

'

575,000

555,000

588,000

'

Total expense

'

'

'

'

'

'

'

'

'

2,138,000

2,274,000

2,186,000

'

Income (loss) before income tax and equity in undistributed earnings of subsidiaries

'

'

'

'

'

'

'

'

'

3,041,000

-2,274,000

-2,186,000

'

Equity in undistributed earnings of subsidiaries

'

'

'

'

'

'

'

'

'

5,770,000

35,338,000

8,015,000

'

Income before income tax

'

'

'

'

'

'

'

'

'

8,811,000

33,064,000

5,829,000

'

Income tax benefit

'

'

'

'

'

'

'

'

'

-738,000

-2,426,000

0

'

Net income

'

'

'

'

'

'

'

'

'

9,549,000

35,490,000

5,829,000

'

Net income (loss) available to common shares

'

'

'

'

'

'

'

'

'

-8,026,000

35,490,000

5,829,000

'

Comprehensive income

'

'

'

'

'

'

'

'

'

-10,941,000

36,072,000

6,196,000

'

Cash flows from operating activities

'

'

'

'

'

'

'

'

'

'

'

'

'

Net income

'

'

'

'

'

'

'

'

'

9,549,000

35,490,000

5,829,000

'

Adjustments to reconcile net income to net cash from operating activities:

'

'

'

'

'

'

'

'

'

'

'

'

'

Equity in undistributed earnings of subsidiaries

'

'

'

'

'

'

'

'

'

-5,770,000

-35,338,000

-8,015,000

'

(Increase) decrease in other assets

'

'

'

'

'

'

'

'

'

-740,000

-2,424,000

428,000

'

Increase (decrease) in other liabilities

'

'

'

'

'

'

'

'

'

-4,487,000

1,524,000

1,395,000

'

Net cash from operating activities

'

'

'

'

'

'

'

'

'

-1,448,000

-748,000

-363,000

'

Cash flows from investing activities

'

'

'

'

'

'

'

'

'

'

'

'

'

Investment in subsidiaries

'

'

'

'

'

'

'

'

'

0

0

-10,000,000

'

Net cash from investing activities

'

'

'

'

'

'

'

'

'

0

0

-10,000,000

'

Cash flows from financing activities

'

'

'

'

'

'

'

'

'

'

'

'

'

Proceeds from issuance of subordinated note and conversion to common stock

'

'

'

'

'

'

'

'

'

0

0

1,000,000

'

Proceeds from issuance of common stock

'

'

'

'

'

'

'

'

'

0

0

19,319,000

'

Redemption of subordinated debt

'

'

'

'

'

'

'

'

'

-1,650,000

0

0

'

Repurchases of shares

'

'

'

'

'

'

'

'

'

-45,000

0

0

'

Cash paid in preferred stock exchange

'

'

'

'

'

'

'

'

'

-4,734,000

0

0

'

Net cash from financing activities

'

'

'

'

'

'

'

'

'

-6,429,000

0

20,319,000

'

Net change in cash and cash equivalents

'

'

'

'

'

'

'

'

'

-7,877,000

-748,000

9,956,000

'

Beginning cash and cash equivalents

'

'

'

'

9,787,000

'

'

'

10,535,000

9,787,000

10,535,000

579,000

'

Ending cash and cash equivalents

'

1,910,000

'

'

'

9,787,000

'

'

'

1,910,000

9,787,000

10,535,000

'

Supplemental noncash disclosures:

'

'

'

'

'

'

'

'

'

'

'

'

'

Conversion of subordinated note to 491,830 shares of common stock

'

'

'

'

'

'

'

'

'

0

0

1,003,000

'

Conversion of 300 shares of Preferred Series B to 50,000 shares of common stock

'

'

'

'

'

'

'

'

'

300,000

0

0

'

Exchange of 31,290 shares of Preferred Series A to 5,973,519 shares of common stock

'

'

'

'

'

'

'

'

'

30,604,000

0

0

'

Exchange of 2,300 shares of Preferred Series B to 457,159 shares of common stock

'

'

'

'

'

'

'

'

'

$2,260,000

$0

$0

'

QUARTERLY_FINANCIAL_DATA_Unaud2

QUARTERLY FINANCIAL DATA (Unaudited) (Details) (USD $)	3 Months Ended								12 Months Ended
	Dec. 31, 2013	Sep. 30, 2013	Jun. 30, 2013	Mar. 31, 2013	Dec. 31, 2012	Sep. 30, 2012	Jun. 30, 2012	Mar. 31, 2012	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
QUARTERLY FINANCIAL DATA (Unaudited) [Abstract]	'	'	'	'	'	'	'	'	'	'	'
Interest Income	$11,961,000	$11,919,000	$12,307,000	$12,433,000	$13,009,000	$16,269,000	$13,900,000	$14,099,000	$48,620,000	$57,276,000	$60,779,000
Net Interest Income	10,212,000	10,124,000	10,464,000	10,483,000	10,968,000	13,892,000	11,322,000	11,281,000	41,283,000	47,462,000	46,299,000
Provision for Loan Losses	-1,000,000	-1,500,000	-1,000,000	-750,000	-500,000	-1,250,000	-1,750,000	-3,600,000	-4,250,000	-7,100,000	-4,700,000
Net Income	2,234,000	2,238,000	2,603,000	2,473,000	21,234,000	6,585,000	3,186,000	4,485,000	9,549,000	35,490,000	5,829,000
Basic (Loss) Earnings Per Common Share (in dollars per share)	($0.56)	$0.08	$0.10	$0.09	$0.78	$0.24	$0.12	$0.17	($0.29)	$1.31	$0.26
Diluted (Loss) Earnings Per Common Share (in dollars per share)	($0.56)	$0.08	$0.10	$0.09	$0.78	$0.24	$0.12	$0.17	($0.29)	$1.31	$0.26
Provision for loan losses expensed	'	'	'	4,400,000	'	'	'	'	'	'	'
Collection of prepayment penalty impacted interest income	'	2,800,000	'	'	'	'	'	'	'	'	'
Deferred tax asset valuation allowance, increased	$18,900,000	'	'	'	'	'	'	'	$0	$18,858,000	$0