Heritage Financial Inactive 10-K14 Mar 142013 FY Annual reportFinancial data

Company Profile

Document_and_Entity_Informatio

Document and Entity Information (USD $)	12 Months Ended
In Millions, except Share data, unless otherwise specified	Dec. 31, 2013	Mar. 14, 2014	Jun. 30, 2013
Document and Entity Information [Abstract]	'	'	'
Entity Registrant Name	'Heritage Financial Group Inc	'	'
Entity Central Index Key	'0001493491	'	'
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	'	'	$103,800,000
Entity Common Stock, Shares Outstanding	'	7,881,260	'
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	Dec. 31, 2013	Dec. 31, 2012
Assets	'	'
Cash and due from banks	$34,804	$23,993
Interest-bearing deposits in banks	3,249	15,393
Federal funds sold	130	4,306
Total cash and cash equivalents	38,183	43,692
Securities available for sale, at fair value	294,299	221,406
Federal Home Loan Bank Stock, at cost	7,342	4,330
Other equity securities, at cost	1,010	1,010
Loans held for sale	110,669	15,608
Loans	747,862	597,579
Covered loans	50,891	72,425
Less allowance for loan losses	8,955	9,061
Loans, net	789,798	660,943
Other real estate owned	3,482	3,242
Covered other real estate owned	7,053	9,467
Total other real estate owned	10,535	12,709
FDIC loss-share receivable	41,306	60,731
Premises and equipment, net	37,978	33,015
Goodwill and intangible assets, net	4,253	4,235
Cash surrender value of bank owned life insurance	24,183	23,382
Other assets	21,369	16,445
Total assets	1,380,925	1,097,506
Liabilities and Stockholders' Equity	'	'
Noninterest-bearing deposits	148,253	116,272
Interest-bearing deposits	928,168	753,282
Total deposits	1,076,421	869,554
Federal funds purchased and securities sold under repurchase agreements	37,648	33,219
Other borrowings	131,394	60,000
Other liabilities	10,399	14,084
Total liabilities	1,255,862	976,857
Commitment and Contingencies (Note 22)	'	'
Stockholders' equity	'	'
Preferred stock, par value; $0.01; 5,000,000 shares authorized; no shares issued or outstanding	0	0
Common stock, par value $0.01; 45,000,000 shares authorized; 7,834,537 and 8,172,486 shares issued and outstanding, respectively	78	82
Capital surplus	78,566	82,154
Retained earnings	57,614	46,299
Accumulated other comprehensive loss, net of tax benefit of $5,175 and $2,566, respectively	-7,762	-3,849
Unearned employee stock ownership plan (ESOP) shares, 332,535 and 385,836 shares, respectively	-3,433	-4,037
Total stockholders' equity	125,063	120,649
Total liabilities and stockholders' equity	$1,380,925	$1,097,506

CONSOLIDATED_BALANCE_SHEETS_Pa

CONSOLIDATED BALANCE SHEETS (Parenthetical) (USD $)	Dec. 31, 2013	Dec. 31, 2012
In Thousands, except Share data, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Stockholders' equity	'	'
Preferred stock, par value (in dollars per share)	$0.01	$0.01
Preferred stock, shares authorized (in shares)	5,000,000	5,000,000
Preferred stock, shares issued (in shares)	0	0
Preferred stock, shares outstanding (in shares)	0	0
Common stock, par value (in dollars per share)	$0.01	$0.01
Common stock, shares authorized (in shares)	45,000,000	45,000,000
Common stock, shares issued (in shares)	7,834,537	8,172,486
Common stock, shares outstanding (in shares)	7,834,537	8,172,486
Accumulated other comprehensive loss, tax	$5,175	$2,566
Total ESOP shares (in shares)	332,535	385,836

CONSOLIDATED_STATEMENTS_OF_INC

CONSOLIDATED STATEMENTS OF INCOME (USD $)	12 Months Ended
In Thousands, except Share data, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Interest income	'	'	'
Interest and fees on loans	$59,892	$49,798	$33,725
Interest on taxable securities	4,347	3,681	4,536
Interest on nontaxable securities	1,248	1,123	880
Interest on federal funds sold	9	30	60
Interest on deposits in other banks	155	106	248
Total interest income	65,651	54,738	39,449
Interest expense	'	'	'
Interest on deposits	4,077	4,874	7,550
Interest on other borrowings	3,308	2,739	2,800
Total interest expense	7,385	7,613	10,350
Net interest income	58,266	47,125	29,099
Provision for loan losses	1,735	5,930	2,895
Net interest income after provision for loan losses	56,531	41,195	26,204
Noninterest income	'	'	'
Service charges on deposit accounts	5,670	4,748	4,777
Bankcard services income	3,335	3,231	2,637
Other service charges, commissions and fees	513	326	305
Brokerage fees	2,138	1,838	1,386
Mortgage banking activities	10,509	4,768	2,377
Bank owned life insurance	801	771	588
Gain on bank owned life insurance	0	0	32
Other-than-temporary impairment losses	0	0	-159
Portion of impairment loss recognized in other comprehensive income	0	0	-116
Net impairment losses recognized in earnings	0	0	-43
Gain on sales of securities available for sale, net	85	2,838	684
Gain (loss) on acquisitions, net	4,188	-56	4,217
Accretion of FDIC loss share receivable	-9,293	-4,325	381
Other income	468	260	126
Total noninterest income	18,414	14,399	17,467
Noninterest expense	'	'	'
Salaries and employee benefits	31,445	23,543	20,393
Equipment and occupancy	7,358	5,632	4,275
Advertising and marketing	1,170	656	785
Professional fees	1,416	1,319	1,304
Information services expenses	5,109	4,641	3,675
(Gain) loss on sales and write-downs of other real estate owned, net	406	219	771
(Gain) loss on sale and write-downs of FDIC acquired other real estate owned	-969	-313	-383
Foreclosed asset expenses	1,019	970	725
Foreclosed FDIC acquired asset expenses	1,386	1,767	118
FDIC insurance and other regulatory fees	1,081	1,037	954
Impairment loss on assets held for sale	328	0	0
Acquisition related expenses	1,322	418	1,309
Deposit intangible expenses	809	781	692
FDIC loss-share clawback expenses	1,237	703	'
Other operating	5,834	4,879	4,128
Total noninterest expense	58,951	46,252	38,746
Income before income taxes	15,994	9,342	4,925
Applicable income tax expense	4,679	2,585	1,100
Net income	$11,315	$6,757	$3,825
Earnings per common share:	'	'	'
Basic earnings per share (in dollars per share)	$1.52	$0.85	$0.47
Diluted earnings per share (in dollars per share)	$1.50	$0.85	$0.47
Weighted average-common shares outstanding	'	'	'
Basic (in shares)	7,421,348	7,969,104	8,188,843
Diluted (in shares)	7,528,246	7,970,903	8,190,062

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	$11,315	$6,757	$3,825
Other comprehensive income (loss):	'	'	'
Accretion of realized gain on terminated cash flow hedge, net of tax benefit of $- , $65, and $99	0	-98	-149
Unrealized gain (loss) on cash flow hedge, net of tax expense (benefit) of $1,804, $863 and $-	2,705	-1,295	0
Net unrealized holding (losses) gains arising during period, net of tax (benefit) expense of $5,667, $1,514 and $2,474	-8,500	1,514	3,710
Reclassification adjustment for gains and securities impairment included in net income, net of tax $34, $1,135 and $273	-51	-1,703	-410
Adjustment to recognize funded status of pension plan, net of tax expense (benefit) of $1,288, $127 and $875	1,933	-191	-1,313
Total other comprehensive income (loss)	-3,913	-1,773	1,838
Comprehensive income	$7,402	$4,984	$5,663

CONSOLIDATED_STATEMENTS_OF_COM1

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (Parenthetical) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Other comprehensive income (loss)	'	'	'
Accretion of realized gain on terminated cash flow hedge, tax benefit	$0	$65	$99
Unrealized loss on cash flow hedge, tax expense (benefit)	1,804	863	0
Net unrealized holding (losses) gains arising during the period, tax (benefit) expense	5,667	1,514	2,474
Reclassification adjustment for gains and securities impairment included in net income, tax benefit	34	1,135	273
Adjustment to recognize funded status of pension plan, tax expense (benefit)	$1,228	$127	$875

CONSOLIDATED_STATEMENTS_OF_STO

CONSOLIDATED STATEMENTS OF STOCKHOLDERS' EQUITY (USD $)	Common Stock [Member]	Capital Surplus [Member]	Retained Earnings [Member]	Unearned ESOP Shares [Member]	Accumulated Other Comprehensive Income (Loss) [Member]	Total
In Thousands, except Share data, unless otherwise specified	Common Stock [Member]	Capital Surplus [Member]	Retained Earnings [Member]	Unearned ESOP Shares [Member]	Accumulated Other Comprehensive Income (Loss) [Member]	Total
Balance at Dec. 31, 2010	$87	$88,876	$39,536	($5,245)	($3,914)	$119,340
Balance (in shares) at Dec. 31, 2010	8,710,511	'	'	'	'	'
Increase (Decrease) in Stockholders' Equity [Roll Forward]	'	'	'	'	'	'
Net income	0	0	3,825	0	0	3,825
Cash dividend declared	0	0	-987	0	0	-987
Issuance of shares of restricted common stock	1	-1	0	0	0	0
Issuance of shares of restricted common stock (in shares)	121,530	'	'	'	'	121,530,000
Forfeiture of restricted common stock	0	0	0	0	0	0
Forfeiture of restricted common stock (in shares)	-3,068	'	'	'	'	-3,068,000
Repurchase of shares of common stock	-1	-1,309	0	0	0	-1,310
Repurchase of shares of common stock (in shares)	-116,942	'	'	'	'	-116,942,000
Stock-based compensation expense	0	728	0	0	0	728
Other comprehensive income (loss)	0	0	0	0	1,838	1,838
Tax benefit from stock-based compensation plans	0	-8	0	0	0	-8
ESOP shares earned	0	17	0	603	0	620
Tax benefit on ESOP expense	0	90	0	0	0	90
Balance at Dec. 31, 2011	87	88,393	42,374	-4,642	-2,076	124,136
Balance (in shares) at Dec. 31, 2011	8,712,031	'	'	'	'	'
Increase (Decrease) in Stockholders' Equity [Roll Forward]	'	'	'	'	'	'
Net income	0	0	6,757	0	0	6,757
Cash dividend declared	0	0	-2,832	0	0	-2,832
Issuance of shares of restricted common stock	0	0	0	0	0	0
Issuance of shares of restricted common stock (in shares)	15,600	'	'	'	'	15,600,000
Forfeiture of restricted common stock	0	0	0	0	0	0
Forfeiture of restricted common stock (in shares)	-326	'	'	'	'	-326,000
Repurchase of shares of common stock	-5	-7,215	0	0	0	-7,220
Repurchase of shares of common stock (in shares)	-554,819	'	'	'	'	-554,819,000
Stock-based compensation expense	0	858	0	0	0	858
Other comprehensive income (loss)	0	0	0	0	-1,773	-1,773
Tax benefit from stock-based compensation plans	0	7	0	0	0	7
ESOP shares earned	0	64	0	605	0	669
Tax benefit on ESOP expense	0	47	0	0	0	47
Balance at Dec. 31, 2012	82	82,154	46,299	-4,037	-3,849	120,649
Balance (in shares) at Dec. 31, 2012	8,172,486	'	'	'	'	8,172,486
Increase (Decrease) in Stockholders' Equity [Roll Forward]	'	'	'	'	'	'
Net income	0	0	11,315	0	0	11,315
Exercise of stock options	0	503	0	0	0	503
Exercise of stock options (in shares)	36,263	'	'	'	'	36,263,000
Forfeiture of restricted common stock	0	0	0	0	0	0
Forfeiture of restricted common stock (in shares)	-300	'	'	'	'	-300,000
Repurchase of shares of common stock	-4	-5,263	0	0	0	-5,267
Repurchase of shares of common stock (in shares)	-373,912	'	'	'	'	-373,912,000
Stock-based compensation expense	0	917	0	0	0	917
Other comprehensive income (loss)	0	0	0	0	-3,913	-3,913
Tax benefit from stock-based compensation plans	0	34	0	0	0	34
ESOP shares earned	0	249	0	604	0	853
Tax benefit on ESOP expense	0	-28	0	0	0	-28
Balance at Dec. 31, 2013	$78	$78,566	$57,614	($3,433)	($7,762)	$125,063
Balance (in shares) at Dec. 31, 2013	7,834,537	'	'	'	'	7,834,537

CONSOLIDATED_STATEMENTS_OF_STO1

CONSOLIDATED STATEMENTS OF STOCKHOLDERS' EQUITY (Parenthetical) (USD $)	12 Months Ended
In Thousands, except Per Share data, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
CONSOLIDATED STATEMENTS OF STOCKHOLDERS' EQUITY [Abstract]	'	'	'
Cash dividend declared (in dollars per share)	'	$0.36	$0.12
Exercise of stock options (in shares)	36,263	'	'
ESOP shares earned (in shares)	53,302	53,302	53,182
Issuance of restricted common stock (in shares)	'	15,600	121,530
Forfeiture of restricted common stock (in shares)	300	326	3,068
Repurchase of shares of common stock (in shares)	373,912	554,819	116,942

CONSOLIDATED_STATEMENTS_OF_CAS

CONSOLIDATED STATEMENTS OF CASH FLOWS (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
OPERATING ACTIVITIES	'	'	'
Net income	$11,315	$6,757	$3,825
Adjustments to reconcile net income to net cash provided by (used in) operating activities:	'	'	'
Depreciation and amortization	2,615	2,110	1,522
Amortization of deposit intangibles	809	781	692
Provision for loan losses	1,735	5,930	2,895
Provision for deferred (taxes) benefit	797	-384	-270
(Gain) loss on acquisitions, net	-4,188	56	-4,217
Gain on sales of securities available for sale, net	-85	-2,838	-684
(Gain) loss on sales and write-downs of other real estate owned, net	406	219	771
Net (gain) on sales and write-downs of FDIC acquired other real estate owned	-969	-313	-383
Loss on sale of assets held for sale	241	0	0
Gain on bank owned life insurance	0	0	-32
Impairment on securities available for sale	0	0	43
Impairment of other assets held for sale	328	0	0
Accretion of FDIC loss share receivable	9,293	5,028	-381
Accretion of gain on termination of cash flow hedge	0	-163	-248
Amortization of available for sale discounts and premiums, net	2,613	3,761	2,533
ESOP compensation expense	853	669	620
Stock-based compensation expense	917	858	728
Excess tax (expense) benefit related to stock-based compensation plans	-34	-7	8
Excess tax (expense) benefit related to ESOP	28	-47	-90
Net change in:	'	'	'
Increase in loans held for sale	-95,061	-8,137	-7,246
Increase in mortgage servicing rights	-202	0	0
Increase in bank owned life insurance	-801	-771	-587
Decrease in FDIC loss share receivable	10,132	18,143	3,494
(Increase) decrease in interest receivable	-887	1,131	-1,782
Increase (decrease) in interest payable	81	-291	270
Decrease in prepaid FDIC assessment	0	344	840
Net other operating activities	921	2,964	2,543
Total adjustments	-70,458	29,043	1,039
Net cash provided by (used in) operating activities	-59,143	35,800	4,864
INVESTING ACTIVITIES	'	'	'
Proceeds from sales of securities available for sale	8,226	111,720	55,935
Proceeds from maturities and calls of securities available for sale	51,029	94,697	98,185
Purchases of securities available for sale	-126,686	-170,043	-135,484
Purchase of bank owned life insurance	0	-7,000	0
(Increase) decrease in interest-bearing deposits in banks	12,144	27,708	-32,190
Increase (decrease) in Federal Home Loan Bank stock	-1,115	-263	1,202
(Increase) decrease in federal funds sold	4,176	17,447	-19,053
Increase in loans, net	-64,741	-113,821	-8,876
Net cash received from acquisition activity	153,179	5,831	67,704
Purchases of premises and equipment	-7,587	-4,311	-9,562
Proceeds from sales of premises and equipment	876	0	19
Proceeds from sales of other real estate owned	11,001	11,665	8,851
Net cash provided by (used in) investing activities	40,502	-26,370	26,731
FINANCING ACTIVITIES	'	'	'
Increase (decrease) in deposits	-5,219	-33,130	6,454
Increase (decrease) in federal funds purchased and securities sold under repurchase agreements	4,429	-1,830	2,628
Proceeds from other borrowings	35,000	25,000	0
Proceeds from exercise of stock options	503	0	0
Repayment of other borrowings	0	0	-32,744
Excess tax expense (benefit) related to stock-based compensation plans	34	7	-8
Excess tax expense (benefit) related to ESOP	-28	47	90
Purchase of shares, net	-5,267	-7,220	-1,310
Dividends paid to stockholders	0	-2,832	-987
Net cash provided by (used in) financing activities	29,452	-19,958	-25,877
Net increase (decrease) in cash and due from banks	10,811	-10,528	5,718
Cash and due from banks at beginning of year	23,993	34,521	28,803
Cash and due from banks at end of year	34,804	23,993	34,521
Cash paid during the period for:	'	'	'
Interest	7,304	7,879	10,080
Income taxes paid	3,305	2,925	0
NONCASH TRANSACTIONS	'	'	'
Principal balances of loans transferred to other real estate owned	7,477	10,847	4,557
Pension liability increase (decrease)	($3,125)	($191)	$1,313

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 Business

	Heritage Financial Group, Inc. (the “Company”), a Maryland corporation, was incorporated in May 2010 and organized by Heritage MHC (the “MHC”), Heritage Financial Group and Heritage Bank of the South ( the “Bank”) to facilitate the second-step conversion of the Company from the mutual holding company structure to the stock holding company structure (the “Conversion”). Upon consummation of the conversion, which occurred on November 30, 2010, the Company became the holding company for the Bank and a 100% publicly owned stock holding company. As a result of the conversion, each share of Heritage Financial Group’s common stock owned by public shareholders was exchanged for 0.8377 shares of the Company’s common stock, with cash being paid in lieu of issuing fractional shares.

	Through the Bank, the Company operates a full service banking business and offers a broad range of retail and commercial banking services to its customers located primarily in central and southern Georgia and north central Florida. The Company and the Bank are subject to the regulations of certain federal and state agencies and are periodically examined by those regulatory agencies.

	Basis of Presentation and Accounting Estimates

	The consolidated financial statements include the accounts of the Company and its wholly-owned subsidiary. Significant intercompany transactions and balances have been eliminated in consolidation.

	In preparing the consolidated financial statements in conformity with accounting principles generally accepted in the United States of America (“GAAP”), management is required to make estimates and assumptions that affect the reported amounts of assets and liabilities as of the date of the balance sheet and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates.

	Material estimates that are particularly susceptible to significant change in the near-term relate to the determination of the allowance for loan losses, the valuation of foreclosed real estate, deferred tax assets, other-than-temporary impairments of securities, and the fair value of financial instruments.

	Acquisition Accounting

	U.S. GAAP requires the use of fair value accounting in determining the carrying values of certain assets and liabilities acquired in business combinations and accordingly the Company recorded assets purchased and liabilities assumed in our FDIC-assisted acquisitions at their fair values. The fair value of the loan portfolios acquired in these transactions was recorded and is being accounted for under the principles prescribed by ASC 310.

	On the date of acquisition, all loans acquired are assigned a fair value based on the present value of projected future cash flows. An accretable discount is determined based on the timing of the projected cash flows and is taken into income over the projected life of the loans. Such accretion is included in interest income. Expected cash flows are re-estimated at each reporting date. Subsequent decreases to the expected cash flows will generally result in a provision for loan losses.

	Subsequent increases in cash flows result in a reversal of the provision for loan losses to the extent of prior charges and adjusted the accretable discount, which will have a positive effect on interest income. Because the Company records loans acquired in connection with FDIC-assisted acquisitions at fair value, the Company records no allowance for loan losses related to the acquired covered loans on the acquisition date, given that the fair value of the loans acquired incorporates assumptions regarding credit risk.

	Acquisitions are accounted for under the purchase method of accounting. Purchased assets and assumed liabilities are recorded at their estimated fair values as of the purchase date. Any identifiable intangible assets are also recorded at fair value. When the fair value of the assets purchased exceed the fair value of liabilities assumed, a "bargain purchase gain" results. If the consideration given exceeds the fair value of the net assets received, goodwill is recognized. Fair values are subject to refinement for up to one year after the closing date of an acquisition as information relative to closing date fair values becomes available.

	FDIC Receivable and Clawback Liability for Loss-Share Agreements

	A significant portion of the Company’s acquired loan and other real estate assets are covered under loss share agreements with the FDIC in which the FDIC has agreed to reimburse the Company 80% of all losses as well as certain expenses incurred in connection with those assets. The Company estimated the amount that it will receive from the FDIC under the loss share agreements that will result from losses incurred as the Company disposes of covered loans and other real estate assets, and the Company recorded the estimate as a receivable from the FDIC. The Company discounted the receivable for the expected timing and receipt of those cash flows using a risk free rate plus a premium for risk. The accretion of the FDIC receivable discount is recorded into noninterest income using the level yield method over the estimated life of the receivable.

	The loss share agreements also include a provision whereby if losses do not exceed a calculated threshold, the Company is obligated to compensate the FDIC. This is referred to as a clawback liability and, if applicable, is paid at the end of ten years. The formula for the clawback liability varies from transaction-to-transaction and will be calculated using the formula provided in the individual loss share agreements and will not be consolidated into one calculation. The FDIC receivable for loss-share agreements is measured separately from the related covered assets because it is not contractually embedded in the assets and is not transferable if the Company sells the assets. The Company will review and update the fair value of the FDIC receivable at each reporting date in conjunction with the re-estimation of cash flows. The FDIC receivable and clawback liability will fluctuate as loss estimates and expected cash flows related to covered loans and other real estate owned change.

	Cash Due from Banks and Cash Flows

	For purposes of reporting cash flows, cash and due from banks includes cash on hand, cash items in process of collection, and amounts due from banks. Cash flows from loans, loans held for sale, federal funds sold, interest-bearing deposits, interest receivable, deposits, federal funds purchased and securities sold under repurchase agreements, and interest payable are reported net.

	The Bank is required to maintain reserve balances in cash or on deposit with the Federal Reserve Bank. The total of those reserve balance requirements was approximately $1.5 million and $18.7 million at December 31, 2013 and 2012, respectively.

	Securities

	Debt securities that management has the positive intent and ability to hold to maturity are classified as held to maturity and recorded at amortized cost. Management has not classified any of its debt securities as held to maturity. Securities not classified as held to maturity, including equity securities with readily determinable fair values, are classified as available for sale and recorded at fair value with unrealized gains and losses excluded from earnings and reported in accumulated other comprehensive income, net of the related deferred tax effect. Equity securities, including other equity securities, without a readily determinable fair value are classified as available for sale and recorded at cost. Restricted equity securities are recorded at cost.

	The amortization of premiums and accretion of discounts are recognized in interest income using the interest method over the life of the securities. Realized gains and losses, determined on the basis of the cost of specific securities sold, are included in earnings on the settlement date.

	The Company evaluates investment securities for other-than-temporary impairment using relevant accounting guidance specifying that (a) if a company does not have the intent to sell a debt security prior to recovery and (b) it is more likely than not that it will not have to sell the debt security prior to recovery, the security would not be considered other-than-temporarily impaired unless there is a credit loss. When the Company does not intend to sell the security, and it is more likely than not, the Company will not have to sell the security before recovery of its cost basis, it will recognize the credit component of an other-than-temporary impairment of a debt security in earnings and the remaining portion in other comprehensive income.

	Securities purchased under resale agreements and securities sold under repurchase agreements are generally accounted for as collateralized financial transactions as more fully disclosed in Note 19. They are recorded at the amount at which the securities were acquired or sold plus accrued interest. It is the Company’s policy to take possession of securities purchased under resale agreements, which are primarily U.S. Government and Government agency securities. The market value of these securities is monitored, and additional securities are obtained when deemed appropriate to ensure such transactions are adequately collateralized. The Company also monitors its exposure with respect to securities sold under repurchase agreements, and a request for the return of excess securities held by the counterparty is made when deemed appropriate.

	Loans Held for Sale

	Loans held for sale consist of one-to-four family residential loans originated for sale in the secondary market and are carried at fair value under ASC 825-10-25. For residential mortgage loans, fair value is determined by outstanding commitments from investors for committed loans and on the basis of current delivery prices in the secondary mortgage market for uncommitted loans, if any. Adjustments to reflect unrealized gains and losses resulting from changes in fair value of residential mortgage loans held-for-sale and realized gains and losses upon ultimate sale of the loans are classified as noninterest income on the Consolidated Statements of Income.

	The Company enters into interest rate lock commitments (“IRLCs”) with customers on mortgage loans with the intention to sell the loan in the secondary market. The Company classifies IRLCs on residential mortgage loans, which are derivatives under ASC 815-10-15, on a gross basis within other liabilities or other assets. The derivatives arising from the IRLCs are recorded at fair value in other assets and liabilities and changes in that fair value are included in mortgage banking activities on the Consolidated Statements of Income.

	The fair value of the IRLC derivatives are determined by reference to quoted prices for loans with similar coupon rates and terms. The fair value of these commitments, while based on interest rates observable in the market, is highly dependent on the ultimate closing of the loans. These “pull through” rates are based on both the Company’s historical data and the current interest rate environment and reflect the Company’s best estimate of the likelihood that a commitment will ultimately result in a closed loan. Gains and losses on the sale of those loans are included in mortgage banking activities on the Consolidated Statements of Income.

	As a result of the adoption of SAB No. 109, the loan servicing value is also included in the fair value of IRLCs. For further information on the fair value accounting for residential mortgages held for sale, see Note 9.

	Mortgage Servicing Rights
	When mortgage loans held for sale are sold with servicing retained, servicing rights are initially recorded at the current lower of cost or market (“LOCOM”) value with the income statement effect recorded in gains on sales of loans. LOCOM value is based on a valuation model that calculates the present value of estimated future net servicing income and cost compared to market value.

	All classes of servicing assets are subsequently measured using the amortization method which requires servicing rights to be amortized into non‑interest income in proportion to, and over the period of, the estimated future net servicing income of the underlying loans.

Servicing rights are evaluated for impairment based upon the fair value of the rights as compared to carrying amount. Impairment is determined by stratifying rights into groupings based on predominant risk characteristics, such as interest rate, loan type and investor type. Impairment is recognized through a valuation allowance for an individual grouping, to the extent that fair value is less than the carrying amount. If the Company later determines that all or a portion of the impairment no longer exists for a particular grouping, a reduction of the allowance may be recorded as an increase to income. Changes in valuation allowances are reported in mortgage banking activities on the Consolidated Statements of Income. The fair values of servicing rights are subject to significant fluctuations as a result of changes in estimated and actual prepayment speeds and default rates and losses.

Servicing fee income, which is reported in mortgage banking activities on the Consolidated Statements of Income, is recorded for fees earned for servicing loans. The fees are based on a contractual percentage of approximately 0.25% and are recorded as income when earned. The amortization of mortgage servicing rights is netted against loan servicing fee income. For the years ended December 31, 2013, 2012 and 2011, respectively, the Company did not collect any servicing fees, late fees or ancillary fees related to loan servicing.

Loans

Loans that management has the intent and ability to hold for the foreseeable future or until maturity or pay-off are reported at their outstanding principal balances less unearned income, net deferred fees and costs on originated loans and the allowance for loan losses. Interest income is accrued on the outstanding principal balance. Loan origination fees, net of certain direct origination costs of consumer loans not secured by real estate, are recognized at the time the loan is placed on the books. Loan origination fees and costs for all other loans are deferred and recognized as an adjustment of the yield over the life of the loan using the level yield method without anticipating prepayments.

The accrual of interest on loans is discontinued when, in management's opinion, the borrower may be unable to meet payments as they become due, unless the loan is well-secured. Past due status is based on contractual terms of the loan. Generally, loans are placed on nonaccrual or charged off at an earlier date if collection of principal or interest is considered doubtful. All interest accrued, but not collected for loans that are placed on nonaccrual or charged off, is reversed against interest income, unless management believes that the accrued interest is recoverable through the liquidation of collateral. Interest income on nonaccrual loans is subsequently recognized only to the extent cash payments are received until the loans are returned to accrual status. Loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and the loan has been performing to contractual terms for a period of not less than six months.

A loan is considered impaired when it is probable, based on current information and events, the Company will be unable to collect all principal and interest payments due in accordance with the contractual terms of the loan agreement. Factors considered by management in determining impairment include payment status, collateral value and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Impaired loans are measured by either the present value of expected future cash flows discounted at the loan’s effective interest rate, the loan’s obtainable market price or the fair value of the collateral if the loan is collateral dependent. Interest on accruing impaired loans is recognized as long as such loans do not meet the criteria for nonaccrual status.

Purchased loans acquired in business acquisitions are recorded at the fair value at the acquisition date. Credit discounts are included in the determination of fair value; therefore, an allowance for loan losses is not recorded at the acquisition date.

In determining the acquisition date fair value of purchased loans, and in subsequent accounting, the Company generally aggregates purchased loans into pools of loans with common risk characteristics. Expected cash flows at the acquisition date in excess of the fair value of loans are recorded as interest income over the life of the loans using a level yield method if the timing and amount of the future cash flows of the pool is reasonably estimable.

Subsequent to the acquisition date, increases in cash flows over those expected at the acquisition date are recognized as interest income prospectively. Decreases in expected cash flows after the acquisition date are recognized by recording an allowance for loan losses.

Covered Loans

The portion of the Company’s loan portfolio covered under loss share agreements with the FDIC in which the FDIC has agreed to reimburse the Company 80% of all losses as well as certain expenses incurred in connection with those assets. For further information on accounting for covered loans refer to the Acquisition Accounting and FDIC receivable for Loss Share Agreements sections within this Note 1.

Allowance for Loan Losses
The Company establishes provisions for loan losses, which are charged to income, at a level management believes will reflect probable credit losses based on historical loss trends and an evaluation of specific credits in the loan portfolio. For further information on the accounting for Allowance for Loan Losses, see Note 5 for further information.

Premises and Equipment

Land is carried at cost. Premises and equipment are carried at cost, less accumulated depreciation computed on the straight-line method over the estimated useful lives:

		Years

Buildings		40
Furniture and equipment		7-Mar

Intangible Assets

Intangible assets consist of core deposit intangibles acquired in connection with business acquisitions and mortgage servicing rights, previously discussed. The core deposit intangibles are initially recognized based on a valuation performed as of the consummation date. The core deposit intangibles are amortized over the average remaining life of the acquired customer deposits, or approximately 7 years. Intangible assets were evaluated for impairment as of December 31, 2013 and based on that evaluation there was no impairment.

Goodwill

Goodwill represents the excess of cost over the fair value of the net assets and liabilities acquired in a business combination or acquisition. Goodwill is not amortized over an estimated useful life, but rather is tested annually for impairment, or whenever events occur that may indicate that the recoverability of the carrying amount is not probable. Current accounting guidance allows the Company to assess qualitative factors to determine whether it is necessary to perform the two-step quantitative goodwill impairment test. The Company is no longer required to calculate the fair value of a reporting unit unless the Company determines, based on a qualitative assessment, that it is more likely than not that its fair value is less than its carrying amount. The Company adopted the standard in 2012.

If necessary, the quantitative goodwill impairment test is performed in two steps. The first step is used to identify potential impairment and the second step, if required, measures the amount of impairment by comparing the carrying amount of goodwill to its implied fair value. In the event of impairment, the amount by which the carrying amount exceeds the fair value would be charged to earnings. The Company assessed the qualitative factors including macroeconomic conditions, market conditions, cost of funds, financial contribution, and any changes in net assets and determined it was not more likely than not that its fair value was less than its carrying account at December 31, 2013.

Other Real Estate Owned (“OREO”)

OREO, consisting of properties obtained through foreclosure or through a deed in lieu of foreclosure in satisfaction of loans, is reported at the lower of cost or fair value, determined on the basis of current appraisals, comparable sales, and other estimates of value obtained principally from independent sources, adjusted for estimated selling costs. Management also considers other factors, including changes in absorption rates, length of time the property has been on the market and anticipated sales values, which have resulted in adjustments to the collateral value estimates indicated in certain appraisals.

At the time of foreclosure or initial possession of collateral, any excess of the loan balance over the fair value of the real estate held as collateral is treated as a charge against the allowance for loan losses.

Subsequent declines in the fair value of OREO below the new cost basis are recorded through valuation adjustments. Significant judgments and complex estimates are required in estimating the fair value of other real estate, and the period of time within which such estimates can be considered current is significantly shortened during periods of market volatility. In response to market conditions and other economic factors, management may utilize liquidation sales as part of its problem asset disposition strategy. As a result of the significant judgments required in estimating fair value and the variables involved in different methods of disposition, the net proceeds realized from sales transactions could differ significantly from appraisals, comparable sales, and other estimates used to determine the fair value of other real estate. Management reviews the value of other real estate periodically and adjusts the values as appropriate. Revenue and expenses from OREO operations as well as gains or losses on sales and any subsequent adjustments to the value are recorded as a component of non-interest expense.

Covered OREO

The portion of OREO covered under loss share agreements with the FDIC in which the FDIC has agreed to reimburse the Company 80% of all losses as well as certain expenses incurred in connection with those assets. For further information of accounting for covered loans refer to the Acquisition Accounting and FDIC receivable for Loss Share Agreements sections within this Note 1.

Transfers of Financial Assets

Transfers of financial assets are accounted for as sales, when control over the assets has been surrendered. Control over transferred assets is deemed to be surrendered when (1) the assets have been isolated from the Company - put presumptively beyond the reach of the transferor and its creditors even in bankruptcy or other receivership, (2) 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 (3) the Company does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity or the ability to unilaterally cause the holder to return specific assets.

Pension Plan

The compensation cost of an employee’s pension benefit is recognized on the projected unit credit method over the employee’s approximate service period. The Company’s funding policy is to contribute annually an amount that satisfies the funding standard account requirements of ERISA.

Employee Stock Ownership Plan ("ESOP")

The cost of shares issued to the ESOP, but not yet allocated to participants, is shown as a reduction of stockholders’ equity. Compensation expense is based on the market price of shares as they are committed to be released to participant accounts. Dividends on allocated ESOP shares reduce retained earnings; dividends on unearned ESOP shares reduce debt and accrued interest.

The Company accounts for its ESOP in accordance with ASC 718-40. Accordingly, since the Company sponsors the ESOP with an employer loan, neither the ESOP’s loan payable or the Company’s loan receivable are reported in the Company’s consolidated balance sheet. Likewise, the Company does not recognize interest income or interest cost on the loan. Unallocated shares held by the ESOP are recorded as unearned ESOP shares in the consolidated statement of changes in stockholders’ equity. As shares are released for allocation, the Company recognizes compensation expense equal to the average market price of the shares for the period.

Income Taxes

The income tax accounting guidance results in two components of income tax expense: current and deferred. Current income tax expense reflects taxes to be paid or refunded for the current period by applying the provisions of the enacted tax law to the taxable income or excess of deductions over revenues. The Company determines deferred income taxes using the liability (or balance sheet) method. Under this method, the net deferred tax asset or liability is based on the tax effects of the differences between the book and tax bases of assets and liabilities, and enacted changes in tax rates and laws are recognized in the period in which they occur. The Company and Bank file consolidated income tax returns but maintain a tax allocation agreement, whereby the Company and Bank calculate their respective amounts of income and expenses and are only responsible for their share of the consolidated income taxes as if they were to file on an unconsolidated basis.

Deferred income tax expense results from changes in deferred tax assets and liabilities between periods. Deferred tax assets are recognized if it is more-likely-than-not, based on the technical merits, that the tax position will be realized or sustained upon examination. A tax position that meets the more-likely-than-not recognition threshold is initially and subsequently measured as the largest amount of tax benefit that has a greater than 50 percent likelihood of being realized upon settlement with a taxing authority that has full knowledge of all relevant information. The determination of whether or not a tax position has met the more-likely-than-not recognition threshold considers the facts, circumstances, and information available at the reporting date and is subject to management’s judgment. Deferred tax assets may be reduced by deferred tax liabilities and a valuation allowance if, based on the weight of evidence available, it is more-likely-than-not that some portion or all of a deferred tax asset will not be realized.

The Company recognizes interest and penalties accrued relative to unrecognized tax benefits in its respective federal or state income taxes accounts. As of December 31, 2013, there were no accruals for uncertain tax positions and no accruals for interest and penalties. The Company and its subsidiary file a consolidated United States federal income tax return, as well as income tax returns in Georgia, Florida, Alabama and Maryland. The Company's filed income tax returns are no longer subject to examination by taxing authorities for years prior to 2010.

Earnings Per Share

Basic earnings per share represent net income available to common shareholders divided by the weighted-average number of common shares outstanding during the period, excluding unearned shares of the Employee Stock Ownership Plan and unvested shares of stock. Diluted earnings per share are computed by dividing net income by the sum of the weighted-average number of shares of common stock outstanding and dilutive potential common shares. Potential common shares consist only of stock options and unvested restricted shares.

Comprehensive Income

Accounting principles generally require that recognized revenue, expenses, gains and losses be included in net income. Although certain changes in assets and liabilities, such as unrealized gains and losses on securities available for sale, unrealized gains and losses on cash flow hedge, and funded status of pension plan are reported as a separate component of the equity section of the balance sheet, such items, along with net income, are components of comprehensive income.

Advertising Costs

Advertising costs are expensed as incurred.

Derivative Instruments

The Company enters into derivative transactions principally to protect against the risk of adverse price or interest rate movements on the value of certain assets and liabilities and on future cash flows. In addition, certain contracts and commitments are defined as derivatives under generally accepted accounting principles.

All derivative instruments are carried at fair value on the balance sheet. Special hedge accounting provisions are provided, which permit the change in the fair value of the hedged item related to the risk being hedged to be recognized in earnings in the same period and in the same income statement line as the change in the fair value of the derivative, see Note 10 for additional information.

Derivative instruments designated in a hedge relationship to mitigate exposure to changes in the fair value of an asset, liability, or firm commitment attributable to a particular risk, such as interest rate risk, are considered fair value hedges. Derivative instruments designated in a hedge relationship to mitigate exposure to variability in expected future cash flows, or other types of forecasted transactions, are considered cash flow hedges. The Company formally documents all relationships between hedging instruments and hedged items, as well as its risk management objective and strategy for undertaking each hedged transaction.

Reclassification

Certain amounts in the consolidated financial statements presented in the years ended December 31, 2012 and 2011 have been reclassified to conform to the December 31, 2013 presentation, with no effect on total assets or net income.


Recent Accounting Standards

The following are summaries of recently issued accounting pronouncements that impact the accounting and reporting practices of the Company:

In October 2012, ASU 2012-06, “Business Combinations (Topic 805) - Subsequent Accounting for an Indemnification Asset Recognized at the Acquisition Date as a Result of a Government-Assisted Acquisition of a Financial Institution (a consensus of the FASB Emerging Issues Task Force).” ASU 2012-06 clarifies the applicable guidance for subsequently measuring an indemnification asset recognized as a result of a government-assisted acquisition of a financial institution. Under ASU 2012-06, when a reporting entity recognizes an indemnification asset as a result of a government-assisted acquisition of a financial institution and, subsequently, a change in the cash flows expected to be collected on the indemnification asset occurs (as a result of a change in cash flows expected to be collected on the assets subject to indemnification), the reporting entity should subsequently account for the change in the measurement of the indemnification asset on the same basis as the change in the assets subject to indemnification. Any amortization of changes in value should be limited to the contractual term of the indemnification agreement (that is, the lesser of the term of the indemnification agreement and the remaining life of the indemnified assets). The amendments are effective for fiscal years beginning on or after December 15, 2012 and early adoption is permitted. The amendments are to be applied prospectively to any new indemnification assets acquired after the date of adoption and to indemnification assets existing as of the date of adoption arising from a government-assisted acquisition of a financial institution.

In February 2013, ASU 2013-02, “Comprehensive Income (Topic 220) - Reporting of Amounts Reclassified Out of Accumulated Other Comprehensive Income.” ASU 2013-02 provides disclosure guidance on amounts reclassified out of accumulated other comprehensive income by component. The adoption did not have any impact on the Company’s financial position or results of operations but has impacted the financial statement disclosure. As shown on the Consolidated Statements of Comprehensive Income for the years ended December 31, 2013, 2012 and 2011, the Company reclassified net gains and securities impairment of $51,000, $1.7 million, and $410,000 out of other comprehensive income into gain on the sale of investment securities available for sale.

In January 2014, ASU 2014-04, “Receivables—Troubled Debt Restructurings by Creditors (Topic 310-40): Reclassification of Residential Real Estate Collateralized Consumer Mortgage Loans upon Foreclosure a consensus of the FASB Emerging Issues Task Force.” ASU 2014-04 clarifies 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 (1) the creditor obtaining legal title to the residential real estate property upon completion of a foreclosure or (2) 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. Additionally, the amendments require interim and annual disclosure of both (1) the amount of foreclosed residential real estate property held by the creditor and (2) the recorded investment in consumer mortgage loans collateralized by residential real estate property that are in the process of foreclosure according to local requirements of the applicable jurisdiction. The amendments are effective for fiscal years and interim periods beginning on or after December 15, 2014. The Company is currently in the process of evaluating the ASU.

EARNINGS_PER_SHARE

EARNINGS PER SHARE	12 Months Ended
EARNINGS PER SHARE	Dec. 31, 2013
EARNINGS PER SHARE [Abstract]	'
EARNINGS PER SHARE	'
	NOTE 2. EARNINGS PER SHARE

	Basic earnings per share represent income available attributable to common shareholders divided by the weighted-average number of common shares outstanding during the period, excluding unallocated shares of the Employee Stock Ownership Plan and unvested shares of issued restricted stock. For the year ended December 31, 2013, potential common shares of 42,171, respectively, were not included in the calculation of diluted earnings per share because the assumed exercise of such shares would be anti-dilutive.

	The components used to calculate basic and diluted earnings per share follows:


		Years Ended December 31,
		2013		2012		2011
		(dollars in thousands, except per share data)
	Basic earnings and shares:
	Net income	$	11,315	$	6,757	$	3,825

	Weighted-average basic shares outstanding		7,421,348		7,969,104		8,188,843

	Basic earnings per share	$	1.52	$	0.85	$	0.47

	Diluted earnings and shares:
	Net income	$	11,315	$	6,757	$	3,825

	Weighted-average basic shares outstanding		7,421,348		7,969,104		8,188,843
	Add: Effect of dilutive outstanding equity-based shares		106,898		1,799		1,219
	Weighted-average diluted shares outstanding		7,528,246		7,970,903		8,190,062

	Diluted earnings per share	$	1.5	$	0.85	$	0.47

STOCK_PLANS_AND_STOCKBASED_COM

STOCK PLANS AND STOCK-BASED COMPENSATION	12 Months Ended
STOCK PLANS AND STOCK-BASED COMPENSATION	Dec. 31, 2013
STOCK PLANS AND STOCK-BASED COMPENSATION [Abstract]	'
STOCK PLANS AND STOCK-BASED COMPENSATION	'
	NOTE 3. STOCK PLANS AND STOCK-BASED COMPENSATION

	EQUITY INCENTIVE PLANS

	On May 17, 2006, the Company's stockholders approved the 2006 Equity Incentive Plan (the "Plan"). The purpose of the Plan is to promote the long-term growth and profitability of Heritage Financial Group, Inc, to provide directors, advisory directors, officers and employees of Heritage Financial Group, Inc. and its affiliates with an incentive to achieve corporate objectives, to attract and retain individuals of outstanding competence, and to provide such individuals with an equity interest in Heritage Financial Group, Inc. Under the Plan, the Compensation Committee of the Board of Directors has discretion to award up to 645,990 shares, of which 461,422 were available as stock options or stock appreciation rights and 184,568 shares were available as restricted stock awards. As of December 31, 2013, there were approximately 12,800 restricted stock awards and 56,963 options available to be granted from the 2006 Plan.

	On June 22, 2011, the Company's stockholders approved the 2011 Equity Incentive Plan (the "2011 Plan"). Under the 2011 Plan, the Compensation Committee has the discretion to award up to 573,481 shares, of which 409,429 were available as stock options or stock appreciation rights and 163,852 were available as restricted stock awards. As of December 31, 2013, there were approximately 31,382 restricted stock awards and 49,259 options available to be granted from the 2011 Plan.

	The Company granted restricted awards that may not be sold or otherwise transferred until certain restrictions have lapsed. The unearned compensation related to these awards is being amortized to compensation expense over the period the restrictions lapse (generally one to five years). The share-based expense for these awards was determined based on the market price of the Company's stock at the date of grant applied to the total number of shares that were anticipated to fully vest, amortized over the vesting period.

	STOCK OPTIONS

	A summary of the status of the two plans, along with changes during the periods then ended, follows:

			December 31,
			2013								2012								2011
			(dollars in thousands, except per share data)
			Number				Weighted-Average				Number				Weighted-Average				Number				Weighted-Average
							Exercise								Exercise								Exercise
							Price								Price								Price


	Under option, beginning of period			765,132			$	13.51				738,560			$	13.51				416,791			$	14.9
	Granted			-				-				31,900				13.25				346,870				11.95
	Exercised			(36,263	)			13.87				-				-				-				-
	Forfeited			(800	)			13.26				(5,326	)			11.99				(7,219	)			14.55
	Expired			(7,410	)			14.94				-				-				(17,882	)			15.44
	Under option, end of period			720,659			$	13.46				765,132			$	13.51				738,560			$	13.51

	Exercisable at end of period			490,131			$	14.11				456,940			$	14.48				386,091			$	14.94
	Weighted average fair value per option of options granted during period						$	-							$	282							$	2,692
	Total grant date fair value of options vested during the period						$	589							$	535							$	300
	Total intrinsic value of options exercised during the period						$	188							$	-							$	-
	Shares available for grant							106,222								98,012								117,673

	The following table presents information on stock options outstanding for the period shown, less estimated forfeitures:

			Years Ended December 31,
			2013				2012				2011

	Stock options vested and expected to vest:
	Number			720,659				765,132				738,560
	Weighted Average Exercise Price		$	13.46			$	13.51			$	13.51
	Aggregate Intrinsic Value			-				-				-
	Weighted Average Contractual Term of Options		5.0 years				5.9 years				6.8 years

	Stock options vested and currently exercisable:
	Number			490,131				456,940				386,091
	Weighted Average Exercise Price		$	14.11			$	14.48			$	14.94
	Aggregate Intrinsic Value			-				-				-
	Weighted Average Contractual Term of Options		3.8 years				4.1 years				4.4 years

	A further summary of the options outstanding at December 31, 2013 follows:

					Options Outstanding												Options Exercisable
	Range of Exercise Prices				Number				Weighted- Average Contractual Life in Years				Weighted-				Number				Weighted-
													Average								Average
													Exercise								Exercise
													Price								Price

	$	8.32 - $13.26				364,004				7.6			$	12.02				133,476			$	11.91
	$	13.43 - $14.97				356,655				2.4			$	14.94				356,655			$	14.94
						720,659				5			$	13.46				490,131			$	14.11

The fair value of each option grant is estimated on the date of grant using the Black-Scholes option-pricing model. Expected volatilities are based on historical volatility of the Company's stock. Expected dividends are based on expected dividend trends and the expected market price of the Company's stock price at grant. Historical data is used to estimate option exercises and employee terminations within the valuation model. The risk-free rate for periods within the contractual life of the option is based on the U.S. Treasury yield curve in effect at the time of grant.

No stock options were granted during 2013. The Company granted 31,900 options on October 1, 2012 from the 2011 Equity Incentive Plan. In 2011, the Company granted 12,000 options on January 1, 2011 from the 2006 Equity Incentive Plan, and, on July 1, 2011, the Company granted 334,870 options from the new 2011 Equity Incentive Plan. The assumptions listed in the table below were used for the options granted in the period indicated.

	Years Ended December 31,
		2013				2012				2011
Weighted-average risk-free interest rate			-				2.55	%			2.55%
Weighted average expected life of the options		-				7.5 years					7.5 years
Weighted average expected dividends (as a percent of the fair value of the stock)			-				1.64	%			1.64%
Weighted-average expected volatility			-				80.46	%			80.46%


For the years ended December 31, 2013, 2012, and 2011 the Company recognized pre-tax compensation expense related to stock options of approximately $585,000, $549,000, and $392,000, respectively. At December 31, 2013, there was approximately $1.5 million of unrecognized compensation related to stock options.


RESTRICTED STOCK

The Company also grants restricted stock periodically for the benefit of employees and directors. The 2006 plan reserved 184,568 shares of common stock for restricted stock grants and, under the 2011 plan, 163,852 shares of common stock are reserved for restricted stock grants.

At December 31, 2013, restricted stock grants covering 171,768 shares of common stock had been issued leaving 12,800 shares available for grant from the 2006 Equity Incentive Plan. Additionally, at December 31, 2013, restricted stock grants covering 132,770 shares of common stock had been issued, 300 had been forfeited and 31,382 shares were available for grant from the 2011 Equity Incentive Plan

Restricted stock grants are made at the discretion of the Board of Directors. Compensation expense for restricted stock is based on the market price of the Company stock at the time of the grant and amortized on a straight-line basis over the vesting period which is currently five years for all grants issued. Recipients of restricted stock do not pay any cash consideration to the Company for the shares, have the right to vote all shares subject to such grant and receive all dividends with respect to such shares, whether or not the shares have vested. The restriction is based upon continuous service. The Company did not issue any restricted stock during 2013. The Company awarded 15,600 shares of restricted stock on October 1, 2012 from the 2011 Equity Incentive Plan. In 2011, the Company awarded 4,000 shares of restricted stock on January 1, 2011 from the 2006 Equity Incentive Plan and 117,530 shares of restricted stock from the 2011 Equity Incentive Plan on July 1, 2011. Restricted stock consists of the following:

		31-Dec-13								31-Dec-12								31-Dec-11
		Restricted				Weighted				Restricted				Weighted				Restricted				Weighted
		Shares				Average				Shares				Average				Shares				Average
						Market								Market								Market
						Price								Price								Price
						at Grant								at Grant								at Grant
Balance, beginning of period			113,795			$	12.12				123,910			$	11.94				37,705			$	14.6
Granted			-				-				15,600				13.26				121,530				11.95
Vested			(28,242	)			12.08				(25,389	)			11.95				(32,256	)			14.85
Forfeited			(300	)			13.26				(326	)			12.7				(3,069	)			14.5
Balance, end of period			85,253			$	12.13				113,795			$	12.12				123,910			$	11.94


The balance of unearned compensation related to these restricted shares as of December 31, 2013 is $876,000 which is expected to be recognized over a weighted-average of 2.70 years. Total compensation expense recognized for the restricted shares granted to employees and directors for the year ended December 31, 2013, 2012, and 2011 was approximately $332,000 $309,000 and $336,000, respectively.

SECURITIES

SECURITIES	12 Months Ended
SECURITIES	Dec. 31, 2013
SECURITIES [Abstract]	'
SECURITIES	'
	NOTE 4. SECURITIES

	The amortized cost and fair value of securities available for sale with gross unrealized gains and losses are summarized as follows:

							Gross				Gross
		Amortized					Unrealized				Unrealized				Fair
		Cost					Gains				Losses				Value
	December 31, 2013:	(dollars in thousands)
	U.S. Government sponsored agencies (GSEs)		$	56,493			$	9			$	(2,930	)		$	53,572
	State and municipal securities			54,012				222				(3,420	)			50,814
	GSE residential mortgage-backed securities			195,764				394				(6,889	)			189,269
	Total debt securities			306,269				625				(13,239	)			293,655
	Equity securities			207				439				(2	)			644
	Total securities		$	306,476			$	1,064			$	(13,241	)		$	294,299

	December 31, 2012:
	U.S. Government sponsored agencies (GSEs)		$	20,996			$	50			$	(27	)		$	21,019
	State and municipal securities			40,509				1,362				(298	)			41,573
	Corporate debt securities			1,150				-				(130	)			1,020
	GSE residential mortgage-backed securities			156,469				1,434				(406	)			157,497
	Total debt securities			219,124				2,846				(861	)			221,109
	Equity securities			207				93				(3	)			297
	Total securities		$	219,331			$	2,939			$	(864	)		$	221,406

	The amortized cost and fair value of debt securities available for sale by contractual maturity are shown below. Maturities may differ from contractual maturities in mortgage-backed securities because the mortgages underlying the securities may be called or repaid without penalty. Therefore, these securities are not included in the maturity categories in the following maturity summary.

			31-Dec-13								31-Dec-12
			Amortized				Fair				Amortized				Fair
			Cost				Value				Cost				Value
			(dollars in thousands)
	One year or less		$	-			$	-			$	150			$	150
	One to five years			12,087				11,843				1,786				1,661
	Five to ten years			58,328				55,333				20,920				21,264
	Over ten years			40,297				37,854				40,006				40,834
	Mortgage-backed securities			195,764				189,269				156,469				157,497
			$	306,476			$	294,299			$	219,331			$	221,406


	Securities with a carrying value of approximately $133.0 million and $94.6 million at December 31, 2013 and December 31, 2012, respectively, were pledged to secure public deposits, repurchase agreements and for other purposes required or permitted by law. The balance of pledged securities in excess of the pledging requirements was $30.9 million and $18.0 million at December 31, 2013 and December 31, 2012, respectively.

	The gross realized gains and losses recognized in income are reflected in the following table:

			Years Ended December 31,
			2013				2012				2011
			(dollars in thousands)

	Gross gains		$	85			$	3,068			$	684
	Gross losses			-				(230	)			-
	Net realized gains		$	85			$	2,838			$	684

	The following table shows the gross unrealized losses and fair value of securities aggregated by category and length of time that securities have been in a continuous unrealized loss position.

			Less Than 12 Months								12 Months or More								Total
	Description of Securities		Fair				Unrealized				Fair				Unrealized				Fair			Unrealized
	Description of Securities		Value				Losses				Value				Losses				Value			Losses
			(dollars in thousands)
	December 31, 2013 :
	U.S. Government sponsored agencies (GSEs)		$	53,716			$	(2,930	)		$	-			$	-			$	53,716		$	(2,930	)
	State and municipal securities			31,243				(2,321	)			7,566				(1,099	)			38,809			(3,420	)
	GSE residential mortgage-backed securities			141,069				(5,917	)			20,747				(972	)			161,816			(6,889	)
	Subtotal, debt securities			226,028				(11,168	)			28,313				(2,071	)			254,341			(13,239	)
	Equity securities			205				(2	)			-				-				205			(2	)
	Total temporarily impaired securities		$	226,233			$	(11,170	)		$	28,313			$	(2,071	)		$	254,546		$	(13,241	)

December 31, 2012 :
U.S. Government sponsored agencies (GSEs)		$	5,481			$	(27	)		$	-			$	-			$	5,481		$	(27	)
State and municipal securities			10,981				(226	)			1,377				(72	)			12,358			(298	)
Corporate debt securities			-				-				1,020				(130	)			1,020			(130	)
GSE residential mortgage-backed securities			62,235				(337	)			4,634				(69	)			66,869			(406	)
Subtotal, debt securities			78,697				(590	)			7,031				(271	)			85,728			(861	)
Equity securities			-				-				204				(3	)			204			(3	)
Total temporarily impaired securities		$	78,697			$	(590	)		$	7,235			$	(274	)		$	85,932		$	(864	)

At December 31, 2013, total unrealized losses increased to $13.2 million, or 5.2% of the temporarily impaired securities, compared to $864,000, or 1.0% of the temporarily impaired securities, at December 31, 2012. The unrealized losses in 2013 relate principally to 52 agencies, 96 state and municipal obligations, 128 mortgage-backed securities and, 1 equity security. In analyzing an issuer's financial condition, management considers whether the securities are issued by the federal government or its agencies, whether downgrades by bond rating agencies have occurred, the results of reviews of the issuer's financial condition, and the issuer's anticipated ability to pay the contractual cash flows of the investments.
The Company does not currently intend to sell the securities within the portfolio and it is not more-likely-than-not that the Company will be required to sell the debt securities; therefore, management does not consider these investments to be other-than-temporarily impaired at December 31, 2013. Management continues to monitor all of these securities with a high degree of scrutiny. There can be no assurance that the Company will not conclude in future periods that conditions existing at that time indicate some or all of these securities may be sold or are other than temporarily impaired, which would require a charge to earnings in such periods. At December 31, 2013, the Company held certain investment securities having continuous unrealized loss positions for more than 12 months. All of these losses were in 19 mortgage-backed securities and 23 municipal securities. The unrealized losses arose from changes in interest rates and market conditions as of December 31, 2013.

Other-Than-Temporary Impairment

The Company reviews its investment portfolio on a quarterly basis judging each investment for other-than-temporary impairment ("OTTI"). Management does not have the intent to sell any of the temporarily impaired investments and believes it is more likely than not that the Company will not have to sell any such securities before a recovery of cost. The OTTI analysis focuses on the duration and amount a security is below book value and assesses a calculation for both a credit loss and a non-credit loss for each measured security considering the security's type, performance, underlying collateral, and any current or potential debt rating changes. The OTTI calculation for credit loss is reflected in the income statement while the non-credit loss is reflected in other comprehensive income.

The Company holds Freddie Mac ("FHLMC") preferred stock, and OTTI was recorded in the amount of the investment after the U.S. Government placed the company into conservatorship in September 2008. The preferred stock has been reduced to a nominal book value for tracking purposes. The investment is currently valued at $439,000. During the twelve months ended December 31, 2008, the Company recognized a write-down of $1.5 million through non-interest income representing other-than-temporary impairment on the investment.

The Company holds a single issue trust preferred security issued by Royal Bank of Scotland ("RBS"). The security suspended payments under the EU agreement for 24 months beginning April 1, 2011. The Company valued the security by projecting estimated cash flows using the Moody's Ba2 marginal default rate. The difference in the present value and the carrying value of the security was the OTTI credit portion. During the twelve months ended December 31, 2011, the Company recognized a write-down of $43,000 through non-interest income representing OTTI on the security. Subsequent to the recorded OTTI on this security, interest payments have resumed and this security is now considered performing. At December 31, 2013, the book value of the security was recorded at $207,000 and the fair value of the security was $205,000 with $2,000 of unrealized loss recorded in other comprehensive income.

The following table presents more detail on selective Company security holdings as of December 31, 2013. These details are listed separately due to the inherent level of risk for OTTI on these securities.
					Current Credit		Book				Fair				Unrealized				Present Value Discounted
Description		Cusip#			Rating		Value				Value				Loss				Cash Flow

Marketable equity securities
FHLMC Preferred Stock			313400657		Ca		$	-			$	439			$	-			$	439


Trust preferred securities
RBS Capital Fund			74928K208		Ba3			207				205				(2	)			207

The following table presents a roll-forward of the cumulative amount of credit losses on the Company's investment securities that have been recognized through earnings.


		31-Dec-13				31-Dec-12				31-Dec-11
Beginning balance of credit losses		$	1,543			$	1,543			$	1,500
Other-than-temporary impairment credit losses			-				-				43

Ending balance of cumulative credit losses recognized in earnings		$	1,543			$	1,543			$	1,543

Restricted Equity Securities

The investment in the common stock of the Federal Home Loan Bank of Atlanta is accounted for by the cost method, which also represents par value, and is made for long-term business affiliation reasons. In addition, this investment is subject to restrictions relating to sale, transfer or other disposition. Dividends are recognized in income when declared. The carrying value of this investment at December 31, 2013 and December 31, 2012 was $7.3 million and $4.3 million, respectively. The estimated fair value of this investment is $7.3 million as of December 31, 2013, and therefore it is not considered impaired.

Other equity securities represent an investment in the common stock of the Chattahoochee Bank of Georgia ("Chattahoochee"), a de novo bank in Gainesville, Georgia. The Company accounts for this investment by the cost method. This investment represents approximately 4.9% of the outstanding shares of Chattahoochee. Since its initial capital raise, Chattahoochee has had limited stock transactions, and therefore, no fair market value is readily available. The carrying value of this investment at December 31, 2013 and December 31, 2012 was $1.0 million. The Company plans to hold this investment for the foreseeable future, and did not consider it impaired as of December 31, 2013.

LOANS_AND_ALLOWANCE_FOR_LOAN_L

LOANS AND ALLOWANCE FOR LOAN LOSSES (EXCLUDING FDIC-ACQUIRED LOANS)	12 Months Ended
	Dec. 31, 2013
LOANS AND ALLOWANCE FOR LOAN LOSSES (EXCLUDING FDIC-ACQUIRED LOANS) [Abstract]	'
LOANS AND ALLOWANCE FOR LOAN LOSSES (EXCLUDING FDIC-ACQUIRED LOANS)	'

	NOTE 5. LOANS AND ALLOWANCE FOR LOAN LOSSES (EXCLUDING FDIC-ACQUIRED LOANS)

	The composition of loans is summarized as follows:

			December 31,				December 31,
			2013				2012
	Commercial real estate:
	Nonresidential		$	256,567			$	212,570
	Multifamily			22,650				21,293
	Farmland			23,420				20,141
	Total commercial real estate loans			302,637				254,004

	Construction and land			50,167				33,340

	Residential real estate:
	Mortgage loans, 1-4 family			177,456				161,883
	Home equity			29,147				27,345
	Total residential real estate loans			206,603				189,228

	Consumer and other:
	Indirect auto loans			247				1,304
	Direct auto loans			6,640				6,801
	Other			17,089				17,393
	Total consumer and other loans			23,976				25,498

	Commercial and industrial loans			101,161				83,659

				684,544				585,729
	Loans acquired through FDIC-assisted acquisitions
	Non-covered			50,891				11,850
	Covered			63,318				72,425
	Total loans			798,753				670,004

	Total allowance for loan losses			(8,955	)			(9,061	)
	Loans, net		$	789,798			$	660,943

	Commercial Real Estate
	Commercial real estate lending includes real estate loans secured primarily by multifamily dwellings, retail establishments, hotels, motels, warehouses, small office buildings, farmland, and other nonresidential properties located in our market areas.

	These loans typically involve large balances to single borrowers or groups of related borrowers. Because payments on loans secured by nonresidential and multifamily real estate properties are often dependent on the successful operation or management of the properties, repayment of these loans may be subject to adverse conditions in the real estate market or the economy. If the cash flow from the project is reduced, or if leases are not obtained or renewed, the borrower's ability to repay the loan may be impaired.

	Loans secured by farmland typically involve large balances, and repayments are often dependent on the successful operation of the farm, making them subject to adverse weather and economic conditions. If the cash flow from the farm operations declines, the borrower's ability to repay the loan may be impaired.

	Construction and Land
	Construction and land lending consist of loans for the construction of one- to four-family residences, multifamily residences and commercial properties. Construction loans also involve additional risks because funds are advanced upon the security of the project under construction, which is of uncertain value prior to the completion of construction. Moreover, because of the uncertainties inherent in estimating construction costs, delays arising from labor problems, material shortages, and other unpredictable contingencies, it is relatively difficult to evaluate accurately the total loan funds required to complete a project, and the related loan‑to‑value ratios.

	Residential Real Estate
	Residential real estate lending consist of loans secured by first mortgages on one- to four-family residences, including home equity lines of credit, in our lending area, and on occasion, outside our lending area for customers whose primary residences are within the Company's lending area.

	Consumer and Other Lending
	Consumer and other lending includes a variety of secured consumer loans, new and used auto loans, boat and recreational vehicle loans, and loans secured by deposit accounts. Consumer loans may entail greater risk, particularly in the case of consumer loans that are secured by rapidly depreciable assets, such as automobiles and recreational vehicles. In these cases, any repossessed collateral for a defaulted loan may not provide an adequate source of repayment of the outstanding loan balance. As a result, consumer loan collections are dependent on the borrower's continuing financial stability and, thus, are more likely to be adversely affected by job loss, divorce, illness, or personal bankruptcy.

	Commercial and Industrial Lending
	Commercial and industrial lending activities encompass loans with a variety of purposes and security, including loans to finance accounts receivable, inventory and equipment. Commercial business loans are generally secured by business assets, such as accounts receivable, equipment and inventory. This collateral may depreciate over time, may be difficult to appraise and may fluctuate in value based on the success of the business.

	In the ordinary course of business, the Company has granted loans to certain directors, executive officers and their affiliates. Changes in related party loans are summarized as follows:

	As of December 31
			2013				2012
			(dollars in thousands)

	Balance, beginning of year		$	10,950			$	9,316
Advances			19,101				13,929
Repayments			(20,049	)			(12,295	)
Balance, end of year		$	10,002			$	10,950

Activity in the allowance for loan losses and recorded investment in loans by segment:

		Commercial				Residential				Construction			Commercial			Consumer			Total
		Real				Real				and			and			and Other
		Estate				Estate				Land			Industrial
		(dollars in thousands)

Balance, January 1, 2013		$	2,744			$	3,251			$	978		$	1,724		$	364		$	9,061
Add (deduct):
Charge-offs			(276	)			(735	)			-			(810	)		(154	)		(1,975	)
Recoveries			-				109				1			16			83			209
Provision for loan losses			(388	)			546				250			1,239			13			1,660
Balance, December 31, 2013		$	2,080			$	3,171			$	1,229		$	2,169		$	306		$	8,955

Allowance:
Ending balance: specific		$	316			$	120			$	-		$	-		$	-		$	436
Ending balance: collective		$	1,764			$	3,051			$	1,229		$	2,169		$	306		$	8,519

Loans:
Ending balance: individually evaluated for impairment		$	4,456			$	2,939			$	3,829		$	135		$	59		$	11,418
Ending balance: collectively evaluated for impairment		$	298,181			$	203,664			$	46,338		$	101,026		$	23,917		$	673,126

Activity in the allowance for loan losses and recorded investment in loans by segment:

		Commercial				Residential				Construction			Commercial			Consumer and Other			Total
		Real				Real				and			and
		Estate				Estate				Land			Industrial
		(dollars in thousands)

Balance, January 1, 2012		$	1,878			$	2,440			$	1,270		$	1,551		$	355		$	7,494
Add (deduct):
Charge-offs			(166	)			(498	)			(81	)		(208	)		(188	)		(1,141	)
Recoveries			-				75				1			35			97			208
Provision for loan losses			1,032				1,234				(212	)		346			100			2,500
Balance, December 31, 2012		$	2,744			$	3,251			$	978		$	1,724		$	364		$	9,061

Allowance:
Ending balance: specific		$	429			$	1,294			$	304		$	206		$	68		$	2,301
Ending balance: collective		$	2,315			$	1,957			$	674		$	1,518		$	296		$	6,760

Loans:
Ending balance: individually evaluated for impairment		$	4,938			$	4,596			$	3,881		$	1,149		$	120		$	14,684
Ending balance: collectively evaluated for impairment		$	249,066			$	184,632			$	29,459		$	82,510		$	25,378		$	571,045

Impaired Loans

A loan is considered impaired, in accordance with the impairment accounting guidance (ASC 310-10-35-16), when based on current information and events, it is probable that the Company will be unable to collect all amounts due from the borrower in accordance with the contractual term of the loan. Impaired loans include loans modified in troubled debt restructuring where concessions have been granted to borrowers experiencing financial difficulties. These concessions could include a reduction in the interest rate on the loan, payment extensions, forgiveness of principal, forbearance or other actions intended to maximize collection.

Impaired loans by class are presented below for 2013:

																Interest
						Unpaid							Average			Income
		Recorded				Principal				Related			Recorded			Recognized
		Investment				Balance				Allowance			Investment			YTD 2013
		(dollars in thousands)
Loans with no related allowance recorded
Commercial real estate:
Nonresidential		$	-			$	-			$	-		$	-		$	-
Multifamily			-				-				-			-			-
Farmland			-				-				-			-			-
Construction and land			3,380				3,380				-			3,407			-
Residential real estate:
Mortgage loans, 1-4 family			1,438				2,085				-			1,937			-
Home equity			-				-				-			-			-
Consumer and other:
Indirect auto loans			-				-				-			-			-
Direct auto loans			-				-				-			-			-
Other			-				-				-			-			-
Commercial and industrial loans			-				-				-			-			-

Loans with related allowance recorded
Commercial real estate:
Nonresidential		$	4,456			$	4,679			$	343		$	4,567		$	28
Multifamily			-				-				-			-			-
Farmland			-				-				-			-			-
Construction and land			449				517				305			452			-
Residential real estate:
Mortgage loans, 1-4 family			1,501				1,733				696			1,559			22
Home equity			-				-				-			-			-
Consumer and other:
Indirect auto loans			6				14				4			9			-
Direct auto loans			18				32				12			22			-
Other			35				46				31			40			1
Commercial and industrial loans			135				255				104			260			3

Total
Commercial real estate		$	4,456			$	4,679			$	343		$	4,567		$	28
Construction and land			3,829				3,897				305			3,859			-
Residential real estate			2,939				3,818				696			3,496			22
Consumer and other			59				92				47			71			1
Commercial and industrial loans			135				255				104			260			3
Total		$	11,418			$	12,741			$	1,495		$	12,253		$	54

Impaired loans by class are presented below for 2012:

																Interest
						Unpaid							Average			Income
		Recorded				Principal				Related			Recorded			Recognized
		Investment				Balance				Allowance			Investment			2012
		(dollars in thousands)
Loans with no related allowance recorded
Commercial real estate:
Nonresidential		$	-			$	-			$	-		$	-		$	-
Multifamily			-				-				-			-			-
Farmland			-				-				-			-			-
Construction and land			3,443				3,469				-			4,606			134
Residential real estate:
Mortgage loans, 1-4 family			535				553				-			324			19
Home equity			-				-				-			-			-
Consumer and other:
Indirect auto loans			-				-				-			-			-
Direct auto loans			-				-				-			-			-
Other			-				-				-			-			-
Commercial and industrial loans			877				878				-			769			11

Loans with related allowance recorded
Commercial real estate:
Nonresidential		$	4,938			$	5,195			$	429		$	4,975		$	101
Multifamily			-				-				-			-			-
Farmland			-				-				-			-			-
Construction and land			438				504				304			472			-
Residential real estate:
Mortgage loans, 1-4 family			3,782				4,061				1,054			4,414			52
Home equity			279				321				240			290			8
Consumer and other:
Indirect auto loans			30				43				-			35			1
Direct auto loans			23				36				16			28			0
Other			67				77				52			75			4
Commercial and industrial loans			272				278				206			282			13

Total
Commercial real estate		$	4,938			$	5,195			$	429		$	4,975		$	101
Construction and land			3,881				3,973				304			5,078			134
Residential real estate			4,596				4,935				1,294			5,028			60
Consumer and other			120				156				68			138			5
Commercial and industrial loans			1,149				1,156				206			1,051			24
Total		$	14,684			$	15,415			$	2,301		$	16,270		$	324

Below is an analysis of the age of recorded investment in loans that are past due as of December 31, 2013.

			30-59				60-89						Total
		Days				Days				Non-			Past						Total
		Past Due				Past Due				Accrual*			Due			Current			Loans
		(dollars in thousands)
Commercial real estate:
Nonresidential		$	-			$	-			$	4,456		$	4,456		$	252,111		$	256,567
Multifamily			-				-				-			-			22,650			22,650
Farmland			-				-				-			-			23,420			23,420
Total commercial real estate loans			-				-				4,456			4,456			298,181			302,637

Construction and land			163				-				1,849			2,012			48,155			50,167

Residential real estate:
Mortgage loans, 1-4 family			600				88				2,936			3,624			173,832			177,456
Home equity			139				-				-			139			29,008			29,147
Total residential real estate loans			739				88				2,936			3,763			202,840			206,603

Consumer and other:
Indirect auto loans			2				3				6			11			236			247
Direct auto loans			2				-				18			20			6,620			6,640
Other			4				-				34			38			17,051			17,089
Total consumer and other loans			8				3				58			69			23,907			23,976

Commercial and industrial loans			-				-				135			135			101,026			101,161
Total		$	910			$	91			$	9,434		$	10,435		$	674,109		$	684,544

*There were no accruing loans that were greater than 90 days past due at December 31, 2013.

Below is an analysis of the age of recorded investment in loans that are past due as of December 31, 2012.

			30-59				60-89						Total
		Days				Days				Non			Past						Total
		Past Due				Past Due				Accrual*			Due			Current			Loans
		(dollars in thousands)
Commercial real estate:
Nonresidential		$	-			$	744			$	4,938		$	5,682		$	206,888		$	212,570
Multifamily			-				-				-			-			21,293			21,293
Farmland			-				-				-			-			20,141			20,141
Total commercial real estate loans			-				744				4,938			5,682			248,322			254,004

Construction and land			-				-				3,881			3,881			29,459			33,340

Residential real estate:
Mortgage loans, 1-4 family			1,233				-				4,475			5,708			156,175			161,883
Home equity			50				-				114			164			27,181			27,345
Total residential real estate loans			1,283				-				4,589			5,872			183,356			189,228

Consumer and other:
Indirect auto loans			5				5				30			40			1,264			1,304
Direct auto loans			2				6				23			31			6,770			6,801
Other			72				-				67			139			17,254			17,393
Total consumer and other loans			79				11				120			210			25,288			25,498

Commercial and industrial loans			14				-				1,149			1,163			82,495			83,659
Total		$	1,376			$	755			$	14,677		$	16,808		$	568,920		$	585,729

*There were no accruing loans that were greater than 90 days past due at December 31, 2012.

Troubled Debt Restructuring (TDR) Modifications

Impaired loans include loans modified in troubled debt restructuring where concessions have been granted to borrowers experiencing financial difficulties. These concessions are a part of the Company's loss mitigation activities and could include a reduction in the interest rate on the loan, payment extensions, forgiveness of principal, forbearance or other actions intended to maximize collection. Certain TDR's are classified as nonperforming at the time of restructure and may only be returned to performing status after considering the borrower's sustained repayment performance for a reasonable period, typically considered six to twelve months.

At December 31, 2013, the Company had troubled debt restructurings totaling $7.7 million, which involve forgiving a portion of interest or principal on any loans or making loans at a rate materially less than that of market rates. Included in nonaccruing loans at December 31, 2013 are troubled debt restructurings of $5.8 million. In addition, at that date the Company had troubled debt restructurings totaling $1.9 million that were performing in accordance with their modified terms and are not included in nonaccruing loans.

The following tables include the recorded investment and number of modifications for modified loans. The Company reports the recorded investment in the loans prior to a modification and also the recorded investment in the loans after the loans were restructured. Management has also disclosed the recorded investment and number of modifications for troubled debt restructurings within the last year where a concession has been made that then defaulted in the current reporting period.

Troubled debt restructurings for the periods ended:


		31-Dec-13
						Recorded
		Number				Investment
		of Modifications				Prior to Modifications				Recorded Investment


Commercial real estate			3			$	3,036			$	2,878
Residential real estate			5				7,268				1,488
Construction and land			2				3,574				3,380
Commercial and industrial loans			-				-				-
Consumer and other			-				-				-
Total			10			$	13,878			$	7,746

	31-Dec-12
						Recorded
	Number					Investment
	of Modifications					Prior to Modifications				Recorded Investment
	(dollars in thousands)

Commercial real estate			3			$	1,071			$	997
Residential real estate			5				7,268				2,409
Construction and land			1				3,574				3,443
Commercial and industrial loans			1				17				14
Consumer and other			-				-				-
Total			10			$	11,930			$	6,863

Troubled debt restructuring modifications that subsequently defaulted for the periods ended:

	31-Dec-13
	Number
	of				Recorded Investment
	Modifications				Recorded Investment
	(dollars in thousands)
Commercial real estate			3			$	2,878
Residential real estate			4				1,485
Construction and land			1				1,400
Commercial and industrial loans			-				-
Consumer and other			-				-
Total			8			$	5,763

	31-Dec-12
	Number
	of					Recorded Investment
	Modifications					Recorded Investment
	(dollars in thousands)

Commercial real estate			3			$	997
Residential real estate			4				2,402
Construction and land			1				3,443
Commercial and industrial loans			1				14
Consumer and other			-				-
Total			9			$	6,856

Allowance for Loan and Lease Losses (ALLL)

The Company establishes provisions for loan losses, which are charged to income, at a level the Company believes will reflect probable credit losses based on historical loss trends and an evaluation of specific credits in the loan portfolio.

In evaluating the level of the allowance for loan losses, the Company considers the types of loans and the amount of loans in the loan portfolio, five year historical loss experience, migration analysis, probability of default, adverse situations that may affect the borrower's ability to repay, estimated value of any underlying collateral, prevailing economic conditions, and past due status and trends.

The Company analyzes the non-FDIC-acquired loan portfolios through the use of pools of homogenous loan types and through a specific quarterly review of larger problem loans. It is expected that a certain percentage of loans will move through the asset quality grades from pass, to classified and ultimately loss. The Company evaluates the non-FDIC loan portfolio through review of four loan pool categories.

1	Pass credits with risk ratings 1-5
2	Special mention with risk ratings 6-7
3	Substandard with risk rating 8 and still accruing
4	Impaired loans 9-11 – Nonaccrual and troubled debt restructurings

Asset quality grades are described in detail subsequently.

The allowance consists of two components:

1	A general amount – The Company analyzes the historical migration of loans through each risk rating category and analyzes the history of losses as it relates to the various loan types and collateral types in order to evaluate and estimate the volume, magnitude and direction of these events. These risk factors and other factors are applied to our review of the Pass credits with risk ratings 1-5 pool and other assets specially mentioned with risk rating 6-7 pool. These factors are also applied to the substandard pool; however, in addition to reviewing the pool, a select group of individual loans are reviewed. The results of the individual review are factored in with the historical loss analysis and applied to the pool.

2	A specific amount – Impaired loans are reviewed individually for specific amounts that are representative of identified credit exposures that are readily predictable by the current performance of the borrower and underlying collateral. Impaired loans with balances lower than $500,000 are not typically reviewed on an individual basis due to their small size. Instead, a historical loss analysis is used for these loans, which assumes the loan migration to default is likely, and the assumed loss is recorded as a specific amount.

Even though the ALLL is composed of two components, the entire ALLL is available to absorb any credit losses.

The Company assesses the allowance for loan losses on a quarterly basis and we make provisions for loan losses as necessary in order to maintain the proper level of allowance. While the Company uses available information to recognize losses on loans, future loan loss provisions may be necessary based on changes in economic conditions. In addition, various regulatory agencies, as an integral part of their examination process, periodically review the allowance for loan losses and may require the Company to recognize additional provisions based on their judgment of information available to them at the time of their examination. The allowance for loan losses is maintained at a level that represents management's best estimate of inherent losses in the loan portfolio, where such losses were both probable and reasonably estimable. The level of the allowance is based on estimates and the ultimate losses may vary from the estimates.

In September 2012, the Company modified its asset quality grading system by dividing it into eleven categories instead of eight. This modification added one new pass level, an additional criticized level and a new classified level. The new grading system did not cause a change to the allowance methodology for loan losses and was created to help the Company better manage credit quality.

A summary of the asset grading system is as follows:

Risk Rating	Numerical	Description	Regulatory Classification
Risk Rating	Rating	Description	Regulatory Classification
Pass	1	Exceptional/Highest Quality	N/A
Pass	2	Excellent/High Quality	N/A
Pass	3	Strong/Above Average	N/A
Pass	4	Good/Average	N/A
Pass	5	Acceptable with more than average risk	N/A
Special Mention	6	Special Mention Loans	Criticized
Special Mention - Elevated risk	7	Special Mention Loans with added risk exposure	Criticized
Substandard	8	Substandard/Inadequately Protected	Classified
Impaired Loans	9	Nonaccrual Loans	Classified
Doubtful	10	Doubtful	Classified
Loss	11	Loss	Classified

Pass-1-Exceptional/Highest Quality – Loans in this category are secured by certificates of deposit. There is no credit risk exposure in this category.

Pass-2-Excellent/High Quality – Loans in this category have borrowers with an excellent balance sheet and income statement and improving trends, including net worth, liquidity, working capital, leverage, cash flow and profitability. Financial ratios are superior within industry when industry comparison is available.

Pass-3-Strong/Above Average – Loans in this category have borrowers with current and complete financial statements; solid balance sheet and income statement with stable to improving trends in areas such as net worth, liquidity, working capital, leverage, cash flow and profitability; leverage and ratios are better than industry standards when industry comparison is available; debt service coverage, both historically and proposed, is more than adequate based on financial analysis; the borrower's industry is stable to improving; loans are properly structured and documented and require only normal supervision and monitoring; consistently meets debt obligations in a timely manner; individual borrower or guarantor, with above average liquid net worth and minimal contingent liabilities.


Pass-4-Good/Average - Loans in this category have sound risk profiles, good net worth and debt service coverage ratios; financial statements are current and complete; satisfactory balance sheet and income statement reflecting adequate profitability, net worth, working capital, cash flow and leverage position; financial analysis demonstrates adequate debt service coverage; leverage and ratios are in line with industry averages when industry comparison is available; debt service coverage, both historically and proposed, is adequate based on financial analysis; loans are properly structured and documented and require only minimal supervision; contingent liabilities have been thoroughly analyzed and repayment sources are adequate to cover existing debt service; individual borrower or guarantor with acceptable net worth and liquidity.


Pass-5-Acceptable with more than average risk - Loans in this category are those which are acceptable with more than average risk due to one or more factors, which could lead to financial difficulty if not closely managed. This rating may include those credits from higher categories that have declining trends in financial performance or credit quality. This category may also include credits that have previously been criticized or classified, but have improved in credit quality.

Special Mention-6-Special Mention Loans - Loans in this category are not currently adequate. These loans are considered weaker due to less than adequate repayment history, and/or their collateral may not adequately protect the Bank from loss in the event of liquidation or foreclosure. If left uncorrected, these weaknesses may result in deterioration of the repayment prospects for the asset or in the Bank's credit position at some future date. As a general rule, credits in this category will be delinquent less than 30 days and will not be chronically past due. Loans in this category are not intended to remain in category 6 permanently as it should become evident fairly quickly whether or not the weaknesses can be cured and the loan upgraded. If the weakness cannot be corrected, the relationship will more than likely need to be downgraded to a 7 or 8.

Special Mention Elevated Risk 7-Special Mention Loans with added risk exposure – Loans in this category have one or more potential weaknesses discussed in asset quality grade 6, but the borrower is still cooperative, satisfactory repayment plans are in place, and file documentation reflects the ability of the borrower to repay the debt as currently structured

Substandard 8-Substandard/Inadequately Protected – Loans in this category are inadequately protected by the current sound net worth and repayment capacity of the borrower or of the collateral pledged, if any. Credit analysis has proven well-defined weaknesses in debt service coverage, net worth and/or poor loan structure. There is a distinct possibility that the Bank will sustain some loss if the deficiencies are not corrected. A reserve allocation of the estimated amount of loss or collateral shortfall has been made to the ALLL. These loans are considered to be impaired loans and the chance of a loss is reasonably probable.

Impaired Loans 9-Nonaccrual Loans – Loans in this category are impaired with a loss potential of either principal or interest that is probable or likely to occur. Once a loan enters this category, the estimated loss will be charged off.

Doubtful 10-Doubtful - Loans in this category have all of the weaknesses inherent in those classified as Substandard, with the additional characteristic that the weaknesses make collection or liquidation in full highly questionable and improbable. This assessment should be made on current facts, conditions and values. The probability of some loss is extremely high, but because of certain important and reasonably specific pending factors (i.e., merger/liquidation, capital injection, refinancing plans, and/or perfection of liens), the amount of loss cannot yet be determined, but may total 50% of the outstanding balance. Determination of the pending factors should generally be resolved within six months and the asset partially, or fully, charged-off or moved to substandard. All doubtful assets must be placed on nonaccrual. A reserve allocation or charge off of at least 50% is normally recommended for such loans.

Loss 11-Loss - Loans in this category are considered uncollectible and of such little value that their continuance as active assets of the Bank is not warranted. This classification does not mean that the loss has absolutely no recovery or salvage value, but rather it is not practical or desirable to defer writing it off. Once the loan is placed in this category, any determined loss will be charged-off within 30 days

Credit quality indicators for loans by class are presented below for December 31, 2013 and December 31, 2012.


		As of December 31, 2013
													Construction
		Non-											and
		Residential				Multifamily				Farmland			Land
		(dollars in thousands)
Commercial Real Estate Credit Exposure
Pass 1		$	-			$	-			$	-		$	-
Pass 2			-				-				-			60
Pass 3			58,386				360				5,762			2,299
Pass 4			171,496				22,252				16,999			24,902
Pass 5			17,804				-				297			18,381
Special Mention 6			1,087				38				301			-
Special Mention Elevated 7			131				-				-			696
Substandard 8			3,207				-				61			1,980
Impaired Loans 9			4,456				-				-			1,849
Doubtful 10			-				-				-			-
Loss 11			-				-				-			-
Total		$	256,567			$	22,650			$	23,420		$	50,167

		As of December 31, 2012
													Construction
		Non-											and
		Residential				Multifamily				Farmland			Land
		(dollars in thousands)
Commercial Real Estate Credit Exposure
Pass 1		$	-			$	-			$	-		$	-
Pass 2			-				-				-			68
Pass 3			63,944				3,820				6,459			7,202
Pass 4			135,189				15,214				12,258			16,732
Pass 5			4,711				41				1,275			5,332
Special Mention 6			907				-				-			-
Special Mention Elevated 7			-				1,707				-			-
Substandard 8			2,881				511				149			125
Impaired Loans 9			4,938				-				-			3,881
Doubtful 10			-				-				-			-
Loss 11			-				-				-			-
Total		$	212,570			$	21,293			$	20,141		$	33,340

		As of
		31-Dec-13
		Commercial
		and Industrial
		(dollars in thousands)
Commercial and Industrial Credit Exposure
Pass 1		$	1,325
Pass 2			432
Pass 3			24,344
Pass 4			64,653
Pass 5			9,757
Special Mention 6			208
Special Mention Elevated 7			239
Substandard 8			68
Impaired Loans 9			135
Doubtful 10			-
Loss 11			-
Total		$	101,161

		As of
		31-Dec-12
		Commercial
		and Industrial
		(dollars in thousands)
Commercial and Industrial Credit Exposure
Pass 1		$	1,194
Pass 2			366
Pass 3			29,447
Pass 4			46,916
Pass 5			3,781
Special Mention 6			86
Special Mention Elevated 7			6
Substandard 8			713
Impaired Loans 9			1,150
Doubtful 10			-
Loss 11			-
Total		$	83,659

		As of December 31, 2013
		Mortgage				Home Equity
		(dollars in thousands)
Residential Real Estate Credit Exposure
Pass 1-5		$	171,349			$	29,147
Special Mention 6			460				-
Special Mention Elevated 7			-				-
Substandard 8			2,711				-
Impaired Loans 9			2,936				-
Doubtful 10			-				-
Loss 11			-				-
Total		$	177,456			$	29,147

		As of December 31, 2012
		Mortgage				Home Equity
		(dollars in thousands)
Residential Real Estate Credit Exposure
Pass 1-5		$	154,067			$	26,922
Special Mention 6			357				-
Special Mention Elevated 7			-				-
Substandard 8			3,202				144
Impaired Loans 9			4,257				279
Doubtful 10			-				-
Loss 11			-				-
Total		$	161,883			$	27,345

		As of December 31, 2013
		Indirect				Direct
		Auto				Auto				Other
		(dollars in thousands)
Consumer and Other Credit Exposure
Pass 1-5		$	241			$	6,622			$	17,042
Special Mention 6			-				-				-
Special Mention Elevated 7			-				-				-
Substandard 8			-				-				12
Impaired Loans 9			6				18				35
Doubtful 10			-				-				-
Loss 11			-				-				-
Total		$	247			$	6,640			$	17,089

		As of December 31, 2012
		Indirect				Direct
		Auto				Auto				Other
		(dollars in thousands)
Consumer and Other Credit Exposure
Pass 1-5		$	1,252			$	6,778			$	17,280
Special Mention 6			-				-				-
Special Mention Elevated 7			-				-				1
Substandard 8			22				-				45
Impaired Loans 9			30				23				67
Doubtful 10			-				-				-
Loss 11			-				-				-
Total		$	1,304			$	6,801			$	17,393

FDIC_ACQUIRED_LOANS_AND_ALLOWA

FDIC ACQUIRED LOANS AND ALLOWANCE FOR LOAN LOSSES	12 Months Ended
FDIC ACQUIRED LOANS AND ALLOWANCE FOR LOAN LOSSES	Dec. 31, 2013
FDIC ACQUIRED LOANS AND ALLOWANCE FOR LOAN LOSSES [Abstract]	'
FDIC ACQUIRED LOANS AND ALLOWANCE FOR LOAN LOSSES	'
	NOTE 6.	FDIC-ACQUIRED LOANS AND ALLOWANCE FOR LOAN LOSSES

	The Company elected to account for loans acquired in the Tattnall Bank, Citizens Bank of Effingham (“Citizens”), First Southern National Bank (“First Southern”) and Frontier Bank (“Frontier”) acquisitions under ASC 310–30. ASC 310-30, Loans and Debt Securities Acquired with Deteriorated Credit Quality, applies to a loan with evidence of deterioration of credit quality since origination, acquired by completion of a transfer for which it is probable, at acquisition, that the investor will be unable to collect all contractually required payments receivable. ASC 310-30 prohibits carrying over or creating an allowance for loan losses upon initial recognition for loans which fall under the scope of this statement. Loans with specific evidence of deterioration in credit quality were accounted for under ASC 310-30. In addition, the Company determined it would not be able to collect all the contractually required principal and interest payments on other loans in the portfolio which did not have specific evidence of credit quality due to multiple factors, including the deterioration of the economy since origination of these loans, the decline in real estate values in the market areas of the loans, and the poor underwriting standards under which these loans were originated. These loans are accounted for by analogy to ASC 310-30. The following tables detail the fair value of loans covered and not covered under loss-share agreements accounted under ASC 310-30.

	Loans not covered by loss-sharing agreements:		December 31,				December 31,
			2013				2012
			(dollars in thousands)
	Commercial real estate		$	22,268			$	6,359
	Residential real estate			30,134				2,110
	Construction and land			5,156				494
	Commercial and industrial			2,604				1,574
	Consumer and other			3,156				1,313
			$	63,318			$	11,850

	Loans covered by loss-sharing agreements:		December 31,				December 31,
			2013				2012
			(dollars in thousands)
	Commercial real estate		$	14,161			$	21,820
	Residential real estate			23,886				32,846
	Construction and land			11,642				14,248
	Commercial and industrial			864				2,670
	Consumer and other			338				841
			$	50,891			$	72,425

	The Bank entered into loss-sharing agreements as part of the acquisitions of Citizens and First Southern. The covered loans above are covered pursuant to the FDIC loss-share agreements. Those agreements provide for the FDIC to reimburse the Company for 80% of covered losses associated with these loans, pursuant to the terms of the agreements. The FDIC agreement to reimburse is set to expire five years from the acquisition date for non-single family loans and ten years from the acquisition date for single family loans, while recoveries will be shared three years after the reimbursement expiration for the single family loans.

	The following table presents the loss-sharing agreement expirations:

	Acquisition	Non-single Family Expiration	Single Family Expiration
	Citizens	Mar-16	Mar-21
	First Southern	Sep-16	Sep-21

	The following table represents the loans receivable as of December 31, 2013 and reflects reclassifications from the balances reported at December 31, 2012:

			Acquired Loans Without Specific Evidence of Deterioration in Credit Quality				Acquired Loans With Specific Evidence of Deterioration in Credit Quality				Total Loans Acquired
			(dollars in thousands)
	Contractually required principal and interest		$	179,582			$	24,113			$	203,695
	Non-accretable difference			(27,937	)			(8,808	)			(36,745	)
	Cash flows expected to be collected			151,645				15,305				166,950
	Accretable yield			(47,599	)			(5,142	)			(52,741	)
	Basis in acquired loans		$	104,046			$	10,163			$	114,209

	The following table is a summary of changes in the accretable yields of acquired loans since December 31, 2010 and reflect refinements to the Company's initial estimate:

	(dollars in thousands)		Accretable Yield

	Balance at December 31, 2010			4,598
	Additions			58,118
	Reclassification from non-accretable difference			8,016
	Accretion included in interest income			(7,985	)
	Adjustments to estimates of expected cash flows			(31,651	)
	Balance at December 31, 2011		$	31,096
	Additions			-
	Reclassification from non-accretable difference			22,349
	Accretion included in interest income			(23,251	)
	Adjustments to estimates of expected cash flows			(1,312	)
	Balance at December 31, 2012		$	28,882
	Additions			21,189
	Reclassification from non-accretable difference			12,620
	Accretion included in interest income			(29,459	)
	Adjustments to estimates of expected cash flows			19,509
	Balance at December 31, 2013		$	52,741

The following is a summary of the allowance for loan losses for the FDIC-acquired loans for 2013:

		Commercial				Residential				Construction				Commercial			Consumer			Total
		Real				Real				and				and			and
		Estate				Estate				Land				Industrial			Other
		(dollars in thousands)
			-				-
Balance, January 1, 2013		$	-			$	-			$	-			$	-		$	-		$	-
Add (deduct):
Charge-offs			-				(2	)			(38	)			(35	)		-			(75	)
Recoveries			-				-				-				-			-			-
Provision for loan losses - non-covered			-				-				11				-			-			11
Provision for loan losses - covered			-				2				27				35			-			64
Balance, December 31, 2013		$	-			$	-			$	-			$	-		$	-		$	-

Allowance:
Ending balance: specific		$	-			$	-			$	-			$	-		$	-		$	-
Ending balance: collective		$	-			$	-			$	-			$	-		$	-		$	-

Loans:
Ending balance: individually evaluated for impairment		$	13,425			$	4,543			$	5,994			$	114		$	1,706		$	25,782
Ending balance: collectively evaluated for impairment		$	23,004			$	49,477			$	10,804			$	3,354		$	1,788		$	88,427

The following is a summary of the allowance for loan losses for the FDIC-acquired loans for 2012:

		Commercial				Residential				Construction				Commercial			Consumer			Total
		Real				Real				and				and			and
		Estate				Estate				Land				Industrial			Other
		(dollars in thousands)
			-				-
Balance, January 1, 2012		$	-			$	-			$	-			$	-		$	-		$	-
Add (deduct):
Charge-offs			(1,114	)			(951	)			(907	)			(433	)		(26	)		(3,431	)
Recoveries			-				-				-				-			-			-
Provision for loan losses – non-covered			-				-				-				-			12			12
Provision for loan losses - covered			1,114				951				907				433			14			3,419
Balance, December 31, 2012		$	-			$	-			$	-			$	-		$	-		$	-

Allowance:
Ending balance: specific		$	-			$	-			$	-			$	-		$	-		$	-
Ending balance: collective		$	-			$	-			$	-			$	-		$	-		$	-

Loans:
Ending balance: individually evaluated for impairment		$	8,149			$	3,562			$	6,573			$	153		$	46		$	18,483
Ending balance: collectively evaluated for impairment		$	20,030			$	31,394			$	8,169			$	4,091		$	2,108		$	65,792

FDIC_LOSS_SHARE_RECEIVABLE

FDIC LOSS SHARE RECEIVABLE	12 Months Ended
FDIC LOSS SHARE RECEIVABLE	Dec. 31, 2013
FDIC LOSS SHARE RECEIVABLE [Abstract]	'
FDIC LOSS SHARE RECEIVABLE	'
	NOTE 7. FDIC LOSS-SHARE RECEIVABLE

	A significant portion of the Company's loan and other real estate assets are covered under loss-share agreements with the FDIC in which the FDIC has agreed to reimburse the Company 80% of all covered losses as well as certain expenses incurred in connection with those assets. The Company estimated the amount that will be received from the FDIC under the loss-share agreements that will result from losses incurred as the Company disposes of covered assets, and the Company has recorded the estimate as a receivable from the FDIC. The Company discounted the receivable for the expected timing and receipt of those cash flows using a risk free rate plus a premium for risk. The accretion of the FDIC receivable discount is recorded into noninterest income using the level yield method over the estimated life of the receivable.

	The FDIC receivable for loss-share agreements is measured separately from the related covered assets because it is not contractually embedded in the assets and is not transferable if the Company sells the assets. The Company reviews and updates the fair value of the FDIC receivable at each reporting date in conjunction with the re-estimation of cash flows. Increases in expected cash flows on covered FDIC-acquired loans impact the FDIC loss-share receivable by reducing the receivable over the shorter of the estimated life of the loan or the expected life of the indemnification asset. Conversely, decreases in expected cash flows first impact accretable discounts to the extent available and then impact the allowance for loan losses while also increasing the FDIC loss-share receivable. The FDIC receivable fluctuates as loss estimates and expected cash flows related to covered loans and other real estate owned change.

	The following tables provide details of changes in the loss-share receivable from the FDIC for the periods indicated.

	For the period ended December 31, 2013:
		(dollars in thousands)
	Balance, December 31, 2012	$	60,731
	Clawback liability reclassified from asset		703
	Decrease in expected losses on covered assets		(631	)
	Accretion included in noninterest income		(9,293	)
	Reimbursements from the FDIC		(10,204	)
	Balance, September 30, 2013	$	41,306

	For the year ended December 31, 2012:
		(dollars in thousands)
	Balance, December 31, 2011	$	83,901
	Decrease in expected losses on covered assets		(1,042	)
	Accretion included in noninterest income		(5,028	)
	Reimbursements from the FDIC		(17,100	)
	Balance, December 31, 2012	$	60,731

OTHER_REAL_ESTATE_OWNED_OREO

OTHER REAL ESTATE OWNED (OREO)	12 Months Ended
OTHER REAL ESTATE OWNED (OREO)	Dec. 31, 2013
OTHER REAL ESTATE OWNED (OREO) [Abstract]	'
OTHER REAL ESTATE OWNED (OREO)	'

	NOTE 8. OTHER REAL ESTATE OWNED (OREO)

	The following table provides a summary of information pertaining to other real estate owned ("OREO") for periods ended December 31, 2013 and December 31, 2012.

		OREO			Covered			Total
		OREO			OREO			Total
		(dollars in thousands)
	Balance, December 31, 2012	$	3,242		$	9,467		$	12,709
	Acquired in Frontier acquisition		786			-			786
	Additions		2,430			4,873			7,303
	Sales		(2,611	)		(6,571	)		(9,182	)
	Writedowns		(365	)		(716	)		(1,081	)
	Balance, December 31, 2013	$	3,482		$	7,053		$	10,535

		OREO			Covered			Total
		OREO			OREO			Total
		(dollars in thousands)
	Balance, December 31, 2011	$	3,362		$	10,047		$	13,409
	Additions		2,695			8,152			10,847
	Sales		(2,366	)		(7,969	)		(10,335	)
	Writedowns		(449	)		(763	)		(1,212	)
	Balance, December 31, 2012	$	3,242		$	9,467		$	12,709

FAIR_VALUE_MEASUREMENTS

FAIR VALUE MEASUREMENTS	12 Months Ended
FAIR VALUE MEASUREMENTS	Dec. 31, 2013
FAIR VALUE MEASUREMENTS [Abstract]	'
FAIR VALUE MEASUREMENTS	'

	NOTE 9. FAIR VALUE MEASUREMENTS

	Determination of Fair Value

	Fair value is an exit price, representing the amount that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants. Current accounting guidance establishes a fair value hierarchy that prioritizes the inputs to valuation techniques used to measure fair value. The hierarchy gives the highest priority to unadjusted quoted prices in active markets for identical assets or liabilities (level 1 measurements) and the lowest priority to unobservable inputs (level 3 measurements).

	Fair Value Hierarchy

	The three levels of the fair value hierarchy are described below:

	Level 1 – Unadjusted quoted prices in active markets that are accessible at the measurement date for identical, unrestricted assets or liabilities;

	Level 2 – Quoted prices in markets that are not active, or inputs that are observable, either directly, for substantially the full term of the asset or liability. Level 2 inputs may include quoted prices for similar assets and liabilities in active markets, as well as inputs that are observable for the asset or liability (other than quoted prices), such as interest rates, foreign exchange rates and yield curves that are observable at commonly quoted intervals;

	Level 3 – Prices or valuation techniques that require inputs that are both significant to the fair value measurement and unobservable (i.e., supported by little or no market activity).

	The fair value hierarchy is based on the lowest level input that is significant to the fair value measurement of the asset and liability in its entirety. The Company's assessment of the significance of a particular input to the fair value measurement in its entirety requires judgment, and considers factors specific to the asset or liability.

	Fair Value Option
	Fair Value Measurements and Disclosures (ASC 820) allow companies to report selected financial assets and liabilities at fair value. The changes in fair value are recognized in earnings and the assets and liabilities measured under this methodology are required to be displayed separately on the balance sheet. In certain circumstances, fair value enables a company to more accurately align its financial performance with the economic value of hedged assets. Fair value enables a company to mitigate the non-economic earnings volatility caused from financial assets and financial liabilities being carried at different bases of accounting, as well as to more accurately portray the active and dynamic management of a company's balance sheet.

	On September 30, 2012, the Company made the election to record mortgage loans held for sale at fair value. The following is a description of mortgage loans held for sale including the specific reasons for electing fair value and the strategies for managing these assets on a fair value basis.

	Mortgage Loans Held for Sale
	The Company records mortgage loans held for sale at fair value in order to eliminate the complexities and inherent difficulties of achieving hedge accounting and to better align reported results with the underlying economic changes in value of the loans and related hedge instruments. This election impacts the timing and recognition of origination fees and costs, as well as servicing value, which are now recognized in earnings at the time of origination. Interest income on mortgage loans held for sale is recorded on an accrual basis in the consolidated statement of income under the heading "Interest income – loans, including fees." The mark to market adjustments related to loans held for sale and the associated economic hedges are captured in mortgage banking activities.

	Assets and Liabilities Measured at Fair Value on a Recurring Basis

	The primary financial instruments that the Company carries at fair value include investment securities, derivative instruments, and mortgage loans held for sale.

	The Company used the following methods and significant assumptions to estimate fair value for assets and liabilities measured on a recurring basis.

	Securities: Securities in an active market where quoted prices are available are classified within Level 1 of the valuation hierarchy. Level 1 securities include highly liquid government securities and certain other financial products. If quoted market prices are not available, then fair values are estimated by using pricing models that use observable inputs or quoted prices of securities with similar characteristics and are classified within Level 2 of the valuation hierarchy. In certain cases where there is limited activity or less transparency around inputs to the valuation and more complex pricing models or discounted cash flows are used.

	Mortgage loans held for sale: The fair value of mortgage loans held for sale is based on what secondary markets are currently offering for portfolios with similar characteristics predominantly consisting of those conforming to government sponsored entity or agency standards. The fair value measurements consider observable data that may include market trade pricing from brokers and the mortgage-backed security markets.

	The Company classifies interest rate lock commitments ("IRLCs") on residential mortgage loans held for sale on a gross basis within other liabilities or other assets. The fair value of these commitments, while based on interest rates observable in the market, is highly dependent on the ultimate closing of the loans. Projected "pull-through" rates are determined quarterly by the Mortgage Division, using the Company's historical data and the current interest rate environment to reflect the Company's best estimate of the likelihood that a commitment will ultimately result in a closed loan. The loan servicing value is also included in the fair value of IRLCs.

	Derivative assets and liabilities: The Company uses derivatives to manage various financial risks. The fair values of derivative financial instruments are determined based on quoted market prices, dealer quotes and internal pricing models that are primarily sensitive to market observable data. The fair value of interest rate lock commitments, which are related to mortgage loan commitments, is based on quoted market prices adjusted for commitments that the Company does not expect to fund.

	The credit risk associated with the underlying cash flows of an instrument carried at fair value was a consideration in estimating the fair value of certain financial instruments. Credit risk was considered in the valuation through a variety of inputs, as applicable, including, the actual default and loss severity of the collateral, and level of subordination. The assumptions used to estimate credit risk applied relevant information that a market participant would likely use in valuing an instrument. Because mortgage loans held for sale are sold within a few weeks of origination, they are unlikely to demonstrate any of the credit weaknesses discussed above and as a result, there were no credit related adjustments to fair value during the twelve months ended December 31, 2013 and December 31, 2012.

	The following tables present financial assets measured at fair value at December 31, 2013 and December 31, 2012, on a recurring basis and the change in fair value for those specific financial instruments in which fair value has been elected. The changes in the fair value of economic hedges were also recorded in mortgage banking activities and are designed to partially offset the change in fair value of the mortgage loans held for sale and interest rate lock commitments referenced in the following tables.


			Recurring Fair Value Measurements at
			31-Dec-13
			Total				Level 1				Level 2				Level 3
			Carrying Value				Level 1				Level 2				Level 3
			(dollars in thousands)
	Assets
	Available for sale investment securities:
	U.S. Government sponsored agencies (GSEs)		$	53,572			$	-			$	53,572			$	-
	State and municipal securities			50,814				-				50,814				-
	GSE residential mortgage-backed securities			189,269				-				189,269				-
	Equity securities			644				439				205				-
	Total available for sale investment securities			294,299				439				293,860				-
	Mortgage loans held for sale			110,669				-				110,669				-
	Interest rate swap – cash flow hedge			2,350				-				2,350				-
	Other assets⁽¹⁾			1,762				-				-				1,762
	Total assets at fair value		$	409,080			$	439			$	406,879			$	1,762

Liabilities
Total liabilities at fair value		$	-			$	-			$	-			$	-

-1	This amount includes mortgage related interest rate lock commitments and mortgage derivative financial instruments to hedge interest rate risk for mortgage loans held for sale. Interest rate lock commitments were recorded on a gross basis.

		Recurring Fair Value Measurements at
		31-Dec-12
		Total Carrying Value				Level 1				Level 2				Level 3
		(dollars in thousands)
Assets
Available for sale investment securities:
U.S. Government sponsored agencies (GSEs)		$	21,019			$	-			$	21,019			$	-
State and municipal securities			41,573				-				41,573				-
Corporate debt securities			1,020				-				1,020				-
GSE residential mortgage-backed securities			157,497				-				157,497				-
Equity securities			297				93				204				-
Total available for sale investment securities			221,406				93				221,313				-
Mortgage loans held for sale			15,608				-				15,608				-
Other assets⁽¹⁾			287				-				-				287
Total assets at fair value		$	237,301			$	93			$	236,921			$	287

Liabilities
Interest rate swap – cash flow hedge		$	2,158			$	-			$	2,158			$	-
Total liabilities at fair value		$	2,158			$	-			$	2,158			$	-

-1	This amount includes mortgage related interest rate lock commitments and derivative financial instruments to hedge interest rate risk. Interest rate lock commitments were recorded on a gross basis.

The following tables present a reconciliation of all assets and liabilities measured at fair value on a recurring basis using significant unobservable inputs (level 3) during the years ending December 31, 2013 and 2012. There were no transfers into or out of Level 3. There were no transfers between Level 1 and Level 2 during these periods.

Year ended December 31, 2013:		Other
Year ended December 31, 2013:		Assets⁽¹⁾
		(dollars in thousands)
Beginning balance, December 31, 2012		$	287
Total gains (losses) included in earnings:⁽²⁾
Mortgage IRLCs			266
Mortgage securities forward commitments			1,209
Ending balance, December 31, 2013⁽³⁾		$	1,762

Year ended December 31, 2012:		Other
Year ended December 31, 2012:		Assets⁽¹⁾
		(dollars in thousands)
Beginning balance, December 31, 2011		$	-
Total gains (losses) included in earnings:⁽²⁾
Mortgage IRLCs			285
Mortgage securities forward commitments			2
Ending balance, December 31, 2012⁽³⁾		$	287

-1	Includes mortgage related IRLCs and derivative financial instruments entered into to hedge interest rate risk.
-2	Amounts included in earnings are recorded in mortgage banking activities.
-3	Represents the amount included in earnings attributable to the changes in unrealized gains/losses relating to IRLCs and derivatives still held at period end.

A significant unobservable input utilized in the determination of fair value of other assets was a pull through rate, which was 83% as of December 31, 2013. A pull through rate is management's assumption as to the percentage of loans in the pipeline that will close and eventually fund. It is based on the Company's historical fall-out activity. Significant increases in this input in isolation would result in a significantly higher fair value measurement and significant decreases would result in a significantly lower fair value measurement. In addition, the fair value of an IRLC includes mortgage servicing rights that do not trade in an active market with readily observable prices. Accordingly, the fair value is estimated based on a valuation model which calculates the present value of estimated future net servicing income. The model incorporates assumptions that market participants use in estimating future net servicing income, including estimates of prepayment speeds, market discount rates, cost to service, float earnings rates, and other ancillary income, including late fees.


		For Items Measured at Fair Value Pursuant to Election of the Fair Value Option: Fair Value Gain related to Mortgage Banking Activities
		Twelve Months Ended
		31-Dec-13			31-Dec-12
		(dollars in thousands)
Mortgage loans held for sale		$	2,620		$	618


The following tables present the difference between the aggregate fair value and the aggregate unpaid principal balance of loans held for sale including escrow for which the fair value option ("FVO") has been elected as of December 31, 2013 and December 31, 2012.

	31-Dec-13
	Aggregate Fair Value				Aggregate Unpaid Principal Balance with Escrow Under FVO				Fair Value Under Unpaid Principal

Loans held for sale		$	110,669			$	109,524			$	1,145

	31-Dec-12
	Aggregate Fair Value				Aggregate Unpaid Principal Balance with Escrow Under FVO				Fair Value Over Unpaid Principal

Loans held for sale		$	15,608			$	15,277			$	331

Assets Measured at Fair Value on a Non-Recurring Basis

Certain financial assets are measured at fair value on a non-recurring basis. Adjustments to the fair market value of these assets usually result from the application of lower-of-cost-or-market accounting or write-downs of individual assets.

The following is a description of the valuation methodologies used for instruments measured at fair value on a non-recurring basis and recognized in the accompanying consolidated balance sheet, as well as the general classification of such instruments pursuant to the valuation hierarchy.

Impaired Loans: Loan impairment is reported when full payment under the loan terms is not expected. In accordance with the provisions of the loan impairment guidance (ASC 310-10-35), individual loans are carried at their fair value. Write downs of impaired loans are estimated using the present value of expected cash flows or the appraised value of the underlying collateral discounted as necessary due to management's estimates of changes in economic conditions. A portion of the allowance for loan losses is allocated to impaired loans if the value of such loans is deemed to be less than the unpaid balance. If these allocations cause the allowance for loan losses to require an increase, such increase is reported as a component of the provision for loan losses. Loan losses are charged against the allowance when management believes the uncollectibility of a loan is confirmed. When the fair value of the collateral is based on an observable market price or a current appraised value, the Company records the loan impairment as non-recurring Level 2. When an appraised value is not available or management determines the fair value of the collateral is further impaired below the appraised value and there is no observable market price, the Company records the loan impairment as non-recurring Level 3.

OREO (including covered): Foreclosed assets are adjusted to fair value upon transfer of the loans to foreclosed assets. Subsequently, foreclosed assets are carried at the lower of carrying value or fair value. Fair value is based upon independent market prices, appraised values of the collateral or management's estimation of the value of the collateral. When the fair value of the collateral is based on an observable market price or a current appraised value, the Company records the foreclosed assets as non-recurring Level 2. When an appraised value is not available or management determines the fair value of the collateral is further impaired below the appraised value and there is no observable market price, the Company records the foreclosed asset as non-recurring Level 3.

Mortgage Servicing Rights (MSR)
Mortgage servicing rights are initially recorded at fair value when mortgage loans are sold servicing retained. These assets are then amortized in proportion to and over the period of estimated net servicing income. On a monthly basis these servicing assets are assessed for impairment based on fair value. Management determines fair value by stratifying the servicing portfolio into homogeneous subsets with unique behavior characteristics, converting those characteristics into income and expense streams, adjusting those streams for prepayments, present valuing the adjusted streams, and combining the present values into a total. If the cost basis of any loan stratification tranche is higher than the present value of the tranche, an impairment is recorded.

The following table summarizes financial assets measured at fair value on a non-recurring basis:

	Non-Recurring Fair Value Measurements at
	31-Dec-13
	Total Carrying Value				Level 1				Level 2				Level 3
	(dollars in thousands)
Assets
Impaired Loans⁽¹⁾		$	11,418			$	-			$	-			$	11,418
OREO			3,482				-				-				3,482
Covered OREO			7,053				-				-				7,053
Mortgage servicing rights (MSR)			202				-				-				202
Total		$	22,155			$	-			$	-			$	22,155

	Non Recurring Fair Value Measurements at
	31-Dec-12
	Total Carrying Value				Level 1				Level 2				Level 3
	(dollars in thousands)
Assets
Impaired Loans⁽¹⁾		$	14,684			$	-			$	-			$	14,684
OREO			3,242				-				-				3,242
Covered OREO			9,467				-				-				9,467
Total		$	27,393			$	-			$	-			$	27,393

(1) Amounts represent the fair value of collateral for impaired loans allocated to the allowance for loan and lease losses. Fair values are determined using independent third party valuations and borrower records, discounted as appropriate (Level 3).

The following table presents quantitative information about financial and nonfinancial assets measured at fair value on a non-recurring basis using Level 3 valuation inputs:

Quantitative Information about Level 3 Fair Value Measurements:


(dollars in thousands)		Fair Value at			Valuation Technique	Unobservable		Range
(dollars in thousands)		31-Dec-13			Valuation Technique	Input		(Weighted Average)
Impaired loans		$	11,418		Discounted appraisals ⁽¹⁾	Appraisal adjustments ⁽²⁾		0% to 100% (73%)
OREO			3,482		Discounted appraisals ⁽¹⁾	Appraisal adjustments ⁽²⁾		0% to 100% (77%)
Covered OREO			7,053		Discounted appraisals ⁽¹⁾	Appraisal adjustments ⁽²⁾		0% to 100% (67%)
MSR			202		Discounted cash flows	Discount rate			10	%
						Prepayment Speeds			9	%

(1)Fair value is generally based on appraisals of the underlying collateral.
(2)Appraisals may be adjusted by management for customized discounting criteria, estimated sales costs, and proprietary qualitative adjustments such as historical loss experience on the type of collateral.

Assets and Liabilities Not Measured at Fair Value on a Recurring or Non-Recurring Basis

The following is a description of the valuation methodologies used for instruments not measured at fair value on a recurring or non-recurring basis and recognized in the accompanying consolidated balance sheet, as well as the general classification of such instruments pursuant to the valuation hierarchy.

Cash and Short-term Investments: The carrying amounts reported in the Consolidated Balance Sheets for cash and short-term investments, such as federal funds sold, approximated the fair value of those instruments. The Company classifies cash and short-term investments in Level 1 of the fair value hierarchy.

Other Investments: The carrying amount of Federal Home Loan Bank stock and other equity securities approximates fair value. The Company classifies Federal Home Loan Bank stock and other equity securities in Level 3 of the fair value hierarchy.

Loans: The carrying amount of variable-rate loans that reprice frequently and have no significant change in credit risk approximates fair value. The fair value of fixed-rate loans is estimated based on discounted contractual cash flows, using interest rates currently being offered for loans with similar terms to borrowers with similar credit quality. The fair value of impaired loans is estimated based on discounted contractual cash flows or underlying collateral values, where applicable.

Covered Loans: Covered loans include loans on which the majority of losses would be covered by loss-sharing agreements with the FDIC. Management initially valued these assets at fair value using mostly unobservable inputs and, as such, has classified these assets as Level 3.

FDIC Loss-Share Receivable: Because the FDIC will reimburse the Company for certain acquired loans, should the Company experience a loss, an indemnification asset is recorded at fair value at the acquisition date. The indemnification asset is recognized at the same time as the indemnified loans and measured on the same basis, subject to collectability or contractual limitations. The shared-loss agreements on the acquisition date reflect the reimbursements expected to be received from the FDIC, using an appropriate discount rate, which reflects counterparty credit risk and other uncertainties. The shared-loss agreements continue to be measured on the same basis as the related indemnified loans, and the loss-share receivable is impacted by changes in estimated cash flows associated with these loans.

Deposits: The carrying amount of demand deposits, savings deposits and variable-rate certificates of deposit approximates fair value. The fair value of fixed-rate certificates of deposit is estimated based on discounted contractual cash flows using interest rates currently being offered for certificates of similar maturities.

Federal Funds Purchased and Securities Sold Under Repurchase Agreements: The fair value of fixed rate federal funds purchased and securities sold under repurchase agreements is estimated based on discounted contractual cash flows using the current incremental borrowing rates for similar type borrowing arrangements.

Other Borrowings: The carrying amount of variable rate advances approximates fair value. The fair value of fixed rate advances is estimated based on discounted contractual cash flows using the current incremental borrowing rates for similar type borrowing arrangements.

The following tables present the assets that are measured at fair value on a non-recurring basis by level within the fair value hierarchy as reported on the consolidated statements of financial position.

		Carrying				Fair Value Measurements at
		Carrying				31-Dec-13
		Value				Total Fair Value				Level 1				Level 2			Level 3
						(dollars in thousands)
Assets
Cash and short-term investments		$	38,183			$	38,183			$	38,183			$	-		$	-
Other investments			8,352				8,352				-				-			8,352
Loans,excluding covered loans			747,862				759,668				-				-			759,668
Covered loans			50,891				50,891				-				-			50,891
FDIC loss-share receivable			41,306				41,306								-			41,306
Total assets at fair value		$	886,594			$	898,400			$	38,183			$	-		$	860,217

Liabilities
Deposits		$	1,076,421			$	1,066,943			$	-			$	-		$	1,066,943
Federal funds purchased and securities sold under repurchase agreements			37,648				39,661				-				-			39,661
Other borrowings			131,399				122,937				-				-			122,937
Total liabilities at fair value		$	1,245,468			$	1,229,541			$	-			$	-		$	1,229,541

		Carrying				Fair Value Measurements at
		Carrying				31-Dec-12
		Value				Total Fair Value				Level 1				Level 2			Level 3
						(dollars in thousands)
Assets
Cash and short-term investments		$	43,692			$	43,692			$	43,692			$	-		$	-
Other investments			5,340				5,340				-				-			5,340
Loans,excluding covered loans			597,579				607,018				-				-			607,018
Covered loans			72,425				72,425				-				-			72,425
FDIC loss-share receivable			60,731				60,731								-			60,731
Total assets at fair value		$	779,767			$	789,206			$	43,692			$	-		$	745,514

Liabilities
Deposits		$	869,554				862,726			$	-			$	-		$	862,726
Federal funds purchased and securities sold under repurchase agreements			33,219				32,812				-				-			32,812
Other borrowings			60,000				63,985				-				-			63,985
Total liabilities at fair value		$	962,773			$	959,523			$	-			$	-		$	959,523

Current accounting guidance requires fair value information about financial instruments, whether or not recognized in the balance sheet, for which it is practicable to estimate that value. In cases where quoted market prices are not available, fair values are based on settlements using present value or other valuation techniques. Those techniques are significantly affected by the assumptions used, including the discount rate and estimates of future cash flows. In that regard, the derived fair value estimates cannot be substantiated by comparison to independent markets, and, in many cases, could not be realized in immediate settlement of the instrument. Current accounting guidance excludes certain financial instruments and all non-financial instruments from its disclosure requirements. Accordingly, the aggregate fair value amounts presented do not represent the underlying value of the Company.

DERIVATIVE_FINANCIAL_INSTRUMEN

DERIVATIVE FINANCIAL INSTRUMENTS	12 Months Ended
	Dec. 31, 2013
DERIVATIVE FINANCIAL INSTRUMENTS [Abstract]	'
DERIVATIVE FINANCIAL INSTRUMENTS	'

	NOTE 10. DERIVATIVE FINANCIAL INSTRUMENTS

	The Company's asset-liability management policy allows the use of certain derivative financial instruments for hedging purposes in managing the Company's interest rate risk. The Company does not enter into derivatives or other financial instruments for trading or speculative purposes. A derivative is a financial instrument that derives its cash flows, and therefore its value, by reference to an underlying instrument, index or referenced interest rate. The most common derivative instruments include interest rate swaps, caps, floors and collars.

	Derivative Instruments – Interest Rate Swap Agreement

	The Company is exposed to interest rate risk in the course of its business operations and manages a portion of this risk through the use of a derivative financial instrument, in the form of an interest rate swap (cash flow hedge). The Company accounts for its interest rate swap in accordance with ASC 815, Derivatives and Hedging, which requires that all derivatives be recognized as assets or liabilities in the balance sheet at fair value.

	The Company utilizes the interest rate swap agreement to essentially convert a portion of its variable-rate debt to a fixed rate (cash flow hedge). For derivatives designated as hedging exposure to variable cash flows of a forecasted transaction (cash flow hedge), the effective portion of the derivative's gain or loss is initially reported as a component of other comprehensive income and subsequently reclassified into earnings when the forecasted transaction affects earnings or when the hedge is terminated. The ineffective portion of the gain or loss is reported in earnings immediately. For derivatives that are not designated as hedging instruments, changes in the fair value of the derivatives are recognized in earnings immediately. In applying hedge accounting for derivatives, the Company establishes a method for assessing the effectiveness of the hedging derivative and a measurement approach for determining any ineffective aspect of the hedge upon the inception of the hedge.

	Cash Flow Hedge of Interest Rate Risk

	During the first quarter 2012, the Company entered into a forward starting interest rate swap agreement with a notional amount of $50.0 million to protect against variability in the expected future cash flows attributed to changes in the benchmark interest rate Libor beginning February 1, 2016 and ending February 1, 2024 on the designated notional amount of variable rate Bank debt.

	The Company recognized an after-tax unrealized gain on its cash flow hedge in other comprehensive income of $1.4 million as of December 31, 2013.

	The Company recognized a $2.4 million cash flow hedge asset in other assets on the balance sheet at December 31, 2013. There was no ineffectiveness in the cash flow hedge during the three and nine months ended December 31, 2013.

	Credit risk related to the derivative arises when amounts receivable from the counterparty (derivative dealer) exceed those payable. The Company controls the risk of loss by only transacting with derivative dealers that are national market makers whose credit ratings are strong. Each party to the interest rate swap is required to provide collateral in the form of cash or securities to the counterparty when the counterparty's exposure to a mark-to-market replacement value exceeds certain negotiated limits. These limits are typically based on current credit ratings and vary with ratings changes. As of December 31, 2013, the Company was not required to provide collateral for the derivative. Also, the Company has a netting agreement with the counterparty.

	Derivative Instruments – Mortgage Lending Activities

	The Company maintains a risk management program to manage interest rate risk and pricing risk associated with its mortgage lending activities. The risk management program includes the use of forward contracts and other derivatives that are recorded in the financial statements at fair value and are used to offset changes in value of the mortgage inventory due to changes in market interest rates. As a normal part of its operations, the Company enters into derivative contracts to economically hedge risks associated with overall price risk related to IRLCs and mortgage loans held for sale for which the fair value option has been elected. Fair value changes occur as a result of interest rate movements as well as changes in the value of the associated servicing rights. Derivative instruments used include forward commitments, mandatory commitments and best effort commitments. All derivatives are carried at fair value in the Consolidated Balance Sheets in other assets or other liabilities. A net gain of $1.5 million respectively, was recorded for all related commitments for the twelve months ended December 31, 2013.

	The Company's risk management derivatives are based on underlying risks primarily related to interest rates and forward sales commitments. Forwards are contracts for the delayed delivery or net settlement of an underlying instrument, such as a mortgage loan, in which the seller agrees to deliver on a specified future date, either a specified instrument at a specified price or yield or the net cash equivalent of an underlying instrument. These hedges are used to preserve the Company's position relative to future sales of loans to third parties in an effort to minimize the volatility of the expected gain on sale from changes in interest rate and the associated pricing changes, see Note 9 Fair Value Measurements for further information.

	Credit and Market Risk Associated with Derivatives

	Derivatives expose the Company to credit risk. If the counterparty fails to perform, the credit risk at that time would be equal to the net derivative asset position, if any, for that counterparty. The Company minimizes the credit or repayment risk in derivative instruments by entering into transactions with high quality counterparties that are reviewed periodically by the Company's Risk Management area. The Company's derivative positions were as follows:

		Contract Amount
		December 31,		December 31,
		2013		2012
		(dollars in thousands)
	Mortgage-backed securities forward Commitments		128,000		13,500
	Mandatory loan sale commitments		-		-
	Best efforts sale commitments		19,418		18,366
	Total commitments		147,418		49,107

SEGMENT_INFORMATION

SEGMENT INFORMATION	12 Months Ended
SEGMENT INFORMATION	Dec. 31, 2013
SEGMENT INFORMATION [Abstract]	'
SEGMENT INFORMATION	'

	NOTE 11.	SEGMENT INFORMATION

	The Company’s operating segments include banking and mortgage banking. The reportable segments are determined by the products and services offered, and internal reporting. Segment performance is evaluated using net interest income and non-interest income. Income taxes are allocated based on income before income taxes, and indirect expenses (includes management fees) are allocated based on various internal factors for each segment. Transactions among segments are made at fair value. Information reported internally for performance assessment follows:

	Year ended December 31, 2013		Bank		Mortgage			Holding Company			Totals
	Year ended December 31, 2013		Bank		Banking			Holding Company			Totals

			(dollars in thousands)
	Net interest income		$	57,803	$	463		$	-		$	58,266
	Provision for loan losses			1,735		-			-			1,735
	Noninterest income			7,876		10,509			29			18,414
	Noninterest expense			46,409		11,563			979			58,951
	Income tax expense (benefit)			5,219		(183	)		(357	)		4,679
	Segment profit (loss)		$	12,316	$	(408	)	$	(593	)	$	11,315
	Segment assets at December 31, 2013		$	1,246,044	$	120,716		$	14,165		$	1,380,925

	Year ended December 31, 2012		Bank		Mortgage			Holding Company			Totals
	Year ended December 31, 2012		Bank		Banking			Holding Company			Totals

			(dollars in thousands)
	Net interest income		$	46,942	$	183		$	-		$	47,125
	Provision for loan losses			5,930		-			-			5,930
	Noninterest income			8,847		5,542			10			14,399
	Noninterest expense			39,870		5,352			1,030			46,252
	Income tax expense (benefit)			2,825		116			(356	)		2,585
	Segment profit (loss)		$	7,164	$	257		$	(664	)	$	6,757
	Segment assets at December 31, 2012		$	1,064,394	$	16,382		$	16,730		$	1,097,506

	Year ended December 31, 2011		Bank		Mortgage			Holding Company			Totals
	Year ended December 31, 2011		Bank		Banking			Holding Company			Totals

			(dollars in thousands)
	Net interest income		$	28,941	$	158		$	-		$	29,099
	Provision for loan losses			2,895		-			-			2,895
	Noninterest income			15,153		2,299			15			17,467
	Noninterest expense			34,619		3,210			917			38,746
	Income tax expense (benefit)			1,479		(23	)		(356	)		1,100
	Segment profit (loss)		$	5,101	$	(730	)	$	(546	)	$	3,825
	Segment assets at December 31, 2011		$	1,057,442	$	7,789		$	24,621		$	1,089,852

ACQUISITION_ACTIVITY

ACQUISITION ACTIVITY	12 Months Ended
ACQUISITION ACTIVITY	Dec. 31, 2013
ACQUISITION ACTIVITY [Abstract]	'
ACQUISITION ACTIVITY	'

	NOTE 12. ACQUISITION ACTIVITY

	Frontier Bank

	On March 8, 2013, HeritageBank of the South entered into a definitive whole-bank purchase and assumption agreement with the Federal Deposit Insurance Corporation ("FDIC") to acquire Frontier, a full-service bank based in LaGrange, Georgia. The Georgia Department of Banking and Finance closed Frontier Bank and, by Order of the Georgia Superior Court, appointed the FDIC as Receiver. The Bank acquired a majority of all assets, with the exception of certain loans and all the OREO as of the bid valuation date of December 19, 2012, and assumed substantially all of the liabilities of Frontier.

	The agreement with the FDIC did not involve a loss-sharing agreement but did include an asset purchase discount of $34.8 million. The Bank also received a cash payment from the FDIC in the amount of $97.5 million.

	The Company elected to account for loans acquired in the Frontier acquisition under ASC 310-30, Loans and Debt Securities Acquired with Deteriorated Credit Quality. Topic 310-30 applies to a loan with evidence of deterioration of credit quality since origination, acquired by completion of a transfer for which it is probable, at acquisition, that the investor will be unable to collect all contractually required payments receivable. Topic 310-30 prohibits carrying over or creating an allowance for loan losses upon initial recognition for loans that fall under its scope.

	The fair values of the assets acquired and liabilities assumed in conjunction with the acquisition as of the closing date are detailed in the following table:

		Acquired			Fair Value			As Recorded
					and Other			by the Company
					Adjustments
	Assets	(dollars in thousands)
	Cash and cash equivalents	$	55,660		$	97,519	(a)	$	153,179
	Securities available to sale		22,241			-			22,241
	FHLB and other bank stock		1,897			-			1,897
	Loans		98,041			-24,715	(b)		73,326
	Other real estate owned		1,620			-834	(c)		786
	Core deposit intangible		-			625	(d)		625
	Other assets		1,788			-			1,788
	Total assets	$	181,247		$	72,595		$	253,842

	Liabilities
	Noninterest-bearing deposits	$	23,683		$	-		$	23,683
	Interest-bearing deposits		187,896			507	(e)		188,403
	Other borrowings		32,068			5,210	(f)		37,278
	Deferred tax liability		-			1,675	(g)		1,675
	Other liabilities		289			-			289
	Total Liabilities	$	243,936		$	7,392		$	251,328
	Liabilities assumed over assets acquired	$	62,689
	Aggregate fair value adjustments				$	65,203
	Gain on acquisition, net of tax							$	2,514

	Explanations

	(a)	The adjustment represents the cash received from the FDIC to reflect the acquisition of excess liabilities assumed over assets acquired and the asset purchase discount.
	(b)	The adjustment reflects fair value adjustments based on the evaluation of the acquired loan portfolio. The fair value adjustment includes adjustments for estimated credit losses, liquidity and servicing costs.
	(c)	The adjustment represents the estimated credit losses in the acquired other real estate owned.
	(d)	The adjustment represents the consideration paid for the value of the core deposit base assumed in the acquisition. The core deposit asset was recorded as an identifiable intangible asset and will be amortized on an accelerated basis over the average life of the deposit base, estimated to be ten years.
	(e)	The adjustment is necessary because the weighted average interest rate of the CD's acquired exceeded the cost of similar funding at the time of acquisition. The fair value adjustment will be amortized to reduce interest expense on a declining basis over the average life of the portfolio.
	(f)	The adjustment is necessary because the weighted average interest rate of the other borrowings assumed exceeded the cost of similar funding at the time of acquisition. The fair value adjustment will be amortized to reduce interest expense on a declining basis over the average life of the borrowings.
	(g)	The amount respresents the deferred tax liability recorded as a result of the recorded gain on acquisition.

	The Company did not immediately acquire the real estate, banking facilities, furniture and equipment of Frontier as part of the purchase and assumption agreement. However, the Company subsequently purchased the fixed assets of Frontier from the FDIC at fair value in the amount of $5.0 million during the second quarter of 2013.

	Single Branch of AB&T National Bank

	On June 30, 2012, the Company completed an acquisition of a single branch of AB&T National Bank located in Auburn, Alabama. The following table summarizes the estimated fair value of the assets acquired and liabilities assumed at the date of acquisition:

		Acquired			Fair Value			As Recorded
					and Other			by Heritage
					Adjustments			Financial
								Group
	Assets	(dollars in thousands)
	Cash and cash equivalents	$	146		$	5,685	(a)	$	5,831
	Premises and equipment		1,741			-			1,741
	Loans		10,890			-117	(b)		10,773
	Core deposit intangibles		-			168	(c)		168
	Other assets		43			-			43
Total Assets	$	12,820		$	5,736	(e)	$	18,556

Liabilities
Noninterest-bearing deposits	$	1,636		$	-		$	1,636
Interest-bearing deposits		16,810			50	(d)		16,860
Other liabilities		26			-			26
Total Liabilities	$	18,472		$	50	(e) (e)	$	18,522

Explanations

(h)	The adjustment represents the cash received from AB&T to reflect the acquisition of excess liabilities assumed over assets purchased.
(i)	The adjustment represents the adjustment to fair market value of the loans assumed in the transaction.
(j)	The adjustment represents the consideration paid for the value of the core deposit base assumed in the acquisition. The core deposit asset was recorded as an identifiable intangible asset and will be amortized on an accelerated basis over the average life of the deposit base, estimated to be ten years.
(k)	The adjustment is necessary because the weighted average interest rate of the CD's acquired exceeded the cost of similar funding at the time of acquisition. The fair value adjustment will be amortized to reduce interest expense on a declining basis over the average life of the portfolio.
(l)	The difference in total assumed assets and liabilities represents the $34,000 bargain purchase gain recognized in the second quarter 2012.

The Company did not acquire any loans with deteriorated credit quality as of the acquisition date this transaction. Accordingly, the Company accounts for the loans acquired in this transaction under FASB ASC 805, Business Combinations.

Citizens Bank of Effingham

On February 18, 2011 (the "Closing Date"), HeritageBank of the South entered into a Purchase and Assumption Agreement by and among the Federal Deposit Insurance Corporation as receiver of Citizens Bank of Effingham ("Citizens"), Springfield, Georgia, the Bank and the FDIC acting in its corporate capacity, pursuant to which the Bank acquired a majority of all assets and assumed substantially all of the liabilities of Citizens (the "Acquisition"). In connection with the Acquisition, the Bank also acquired other real estate owned ("OREO") as of the Closing Date.

Pursuant to that agreement, the Bank agreed to pay a premium on deposits totaling $1.4 million and to acquire the specified assets, net of liabilities, at a discount to book value of $25.1 million. The Bank also received a cash payment from the FDIC in the amount of $24.0 million.

The Bank and the FDIC also entered into loss-sharing agreements that provide the Bank with significant protection against credit losses on Citizens' loans and related assets acquired in the Acquisition. Under these agreements, discussed in more detail below, the FDIC will, for a specified number of years, reimburse the Bank for 80% of all losses and related expenses on covered assets, primarily acquired loans and OREO.

The fair values of the assets acquired and liabilities assumed in conjunction with the Acquisition as of the Closing Date are detailed in the following table (dollars in thousands):

		February 18,				Average				Effective
		2011				Maturity				Yield /
						(Years)				Cost
Assets Acquired:
Cash and due from banks		$	33,900
Securities available for sale			13,386				4.2				1.49	%
Loans			72,720				1.34				4.53	%
Other real estate owned			7,540
Estimated reimbursement from the FDIC			58,164
Core deposit intangible			1,895
Other assets			2,245
Total assets acquired			189,850
Cash paid to settle the acquisition			24,000
Fair value of assets acquired			213,850
Liabilities Assumed:
Deposits			206,276				1.26				1.58	%
Other liabilities			6,174
Fair value of liabilities assumed			212,450

Net Assets Acquired / Gained from Acquisition		$	1,400

The following table summarizes the assets covered by the loss-sharing agreements, under the Single Family "SF" and Non-Single Family "Non-SF" certificates, and the amount covered by the FDIC and the estimated fair values (dollars in thousands):

		Amounts				Fair				SF			Non-SF
		Covered				Value				Certificate			Certificate
										(10 Years for			(5 Years for
										Losses)			Losses)

Loans		$	131,256			$	66,671			$	22,744		$	108,512
OREO			21,663				7,540				-			21,663
Total		$	152,919			$	74,211			$	22,744		$	130,175

The Company elected to account for loans acquired in the Citizens acquisition under ASC 310-30, Loans and Debt Securities Acquired with Deteriorated Credit Quality. Topic 310-30 applies to a loan with evidence of deterioration of credit quality since origination, acquired by completion of a transfer for which it is probable, at acquisition, that the investor will be unable to collect all contractually required payments receivable. Topic 310-30 prohibits carrying over or creating an allowance for loan losses upon initial recognition for loans that fall under its scope.
The following table presents information regarding the loan portfolio acquired on February 18, 2011 at fair value (dollars in thousands):

		Loans With				Loans				Total Loans,
		Deterioration				Without A				at
		of Credit				Deterioration				Fair
		Quality				of Credit				Value
						Quality

Construction and land		$	5,641			$	7,454			$	13,095
Farmland			1,272				2,362				3,634
Residential real estate			3,804				14,936				18,740
Commercial real estate			4,635				15,551				20,186
Commercial and industrial			1,787				11,643				13,430
Consumer			31				3,604				3,635
		$	17,170			$	55,550			$	72,720

The following table presents purchased loans accounted for under ASC Topic 310-30 as of the Closing Date:

18-Feb-11
(dollars in thousands)

Contractually-required principal and interest		$	172,568
Non-accretable difference			(63,694	)
Cash flows expected to be collected			108,874
Accretable yield			(36,154	)
Fair value of loans accounted for under ASC 310-30		$	72,720

The Company did not immediately acquire the real estate, banking facilities, furniture or equipment of Citizens as part of the purchase and assumption agreement. However, the Company subsequently purchased the real estate, banking facilities, furniture or equipment of Citizens from the FDIC at fair value in the amount of $3.2 million during the second quarter of 2011.

First Southern National Bank

On August 19, 2011 (the "Closing Date"), HeritageBank of the South entered into a Purchase and Assumption Agreement by and among the FDIC as receiver of First Southern National Bank ("First Southern"), Statesboro, Georgia, the Bank and the FDIC acting in its corporate capacity, pursuant to which the Bank acquired a majority of all assets and assumed a majority of all liabilities of First Southern (the "First Southern Acquisition"). In connection with the First Southern Acquisition, the Bank also acquired other real estate owned ("OREO") as of the Closing Date.
Pursuant to the Agreement, the Bank agreed to pay a premium on deposits totaling $1.2 million and to acquire the specified assets, net of liabilities, at a discount to book value of $16.3 million. The Bank also received a cash payment from the FDIC in the amount of $3.4 million.

The Bank and the FDIC also have entered into loss-sharing agreements that provide the Bank with significant protection against credit losses on First Southern's loans and related assets acquired in the First Southern Acquisition. Under these agreements, discussed in more detail below, the FDIC will, for a specified number of years, reimburse the Bank for 80% of all losses and related expenses on covered assets, primarily acquired loans and OREO.
The fair values of the assets acquired and liabilities assumed in conjunction with the First Southern Acquisition as of the Closing Date are detailed in the following table (dollars in thousands):

		August 19,				Average				Effective
		2011				maturity				Yield /
						(years)				Cost
Assets Acquired:
Cash and due from banks		$	6,264
Securities available for sale			22,295				9.32				3.29	%
Loans			68,084				6.25				5.38	%
Other real estate owned and foreclosed assets			4,669
Estimated reimbursement from the FDIC			30,464
Core deposit intangible			850
Other assets			3,694
Total assets acquired			136,320
Cash paid to settle the acquisition			3,540
Fair value of assets acquired			139,860
Liabilities Assumed:
Deposits			137,212				0.7				1.08	%
Other liabilities			1,448
Fair value of liabilities assumed			138,660
Net Assets Acquired / Gained from Acquisition		$	1,200

The following table summarizes the assets covered by the loss-sharing agreements, under the Single Family "SF" and Non-Single Family "Non-SF" certificates, and the amount covered by the FDIC and the estimated fair values (dollars in thousands).

		Amounts				Fair				SF			Non-SF
		Covered				Value				Certificate			Certificate
										(10 Years for			(5 Years for
										Losses)			Losses)

Loans		$	99,197			$	68,084			$	20,651		$	78,546
OREO			8,645				4,669				7,080			1,565
Total		$	107,842			$	72,753			$	27,731		$	80,111


The Company elected to account for loans acquired in the First Southern Acquisition under ASC 310-30, Loans and Debt Securities Acquired with Deteriorated Credit Quality. Topic 310-30 applies to a loan with evidence of deterioration of credit quality since origination, acquired by completion of a transfer for which it is probable, at acquisition, that the investor will be unable to collect all contractually required payments receivable. Topic 310-30 prohibits carrying over or creating an allowance for loan losses upon initial recognition for loans that fall under its scope

The following table presents information regarding the loan portfolio acquired on August 19, 2011 at fair value (dollars in thousands):
		Loans with				Loans				Total loans,
		deterioration				without				at fair value
		of credit				deterioration
		quality				of credit
						quality
Construction and land		$	4,888			$	3,604			$	8,492
Farmland			-				4,709				4,709
Residential real estate			2,058				26,302				28,360
Commercial real estate			2,517				9,814				12,331
Commercial and industrial			76				8,897				8,973
Consumer			44				5,175				5,219
		$	9,583			$	58,501			$	68,084

The following table presents purchased loans accounted for under ASC Topic 310-30 as of the Closing Date:
19-Aug-11
(dollars in thousands)
Contractually-required principal and interest		$	127,042
Non-accretable difference			(36,994	)
Cash flows expected to be collected		$	90,048
Accretable yield			(21,964	)
Fair value of loans accounted for under ASC 310-30		$	68,084


The Company did not immediately acquire the real estate, banking facilities, or furniture of First Southern but did purchase some of the equipment as part of the purchase and assumption agreement.

The Company recognizes that the determination of the initial fair value of loans at the acquisition date involves a high degree of judgment and complexity. The carrying value of the acquired loans reflect management's best estimate of the fair value of these assets as of the acquisition date. However, the amount the Company ultimately recognizes on these assets could differ materially from the value reflected in these financial statements, based upon the timing and amount of collections on the acquired loans in future periods. To the extent the actual values recognized for the acquired loans are less than the Company's estimate, additional losses will be incurred. These fair value estimates are considered preliminary, and are subject to change for up to one year after the closing date of the acquisition as additional information relative to the closing date fair values becomes available.

ACCRUED_INTEREST_RECEIVABLE

ACCRUED INTEREST RECEIVABLE	12 Months Ended
ACCRUED INTEREST RECEIVABLE	Dec. 31, 2013
ACCRUED INTEREST RECEIVABLE [Abstract]	'
ACCRUED INTEREST RECEIVABLE	'
	NOTE 13. ACCRUED INTEREST RECEIVABLE

	Accrued interest receivable consists of the following for the periods indicated:

		December 31,
		2012		2012


	Loans	$	3,262	$	2,599
	Other interest earning assets		5		2
	GSE residential mortgage-backed securities		547		500
	Other investment securities		674		500
	Subtotal, securities		1,221		1,000
		$	4,488	$	3,601

PREMISES_AND_EQUIPMENT

PREMISES AND EQUIPMENT	12 Months Ended
PREMISES AND EQUIPMENT	Dec. 31, 2013
PREMISES AND EQUIPMENT [Abstract]	'
PREMISES AND EQUIPMENT	'
	NOTE 14. PREMISES AND EQUIPMENT

	Premises and equipment are summarized as follows:


		December 31,
		2013			2012
	Land and improvements	$	12,571		$	10,970
	Buildings		24,758			21,667
	Furniture and equipment		17,699			14,978
	Construction in progress		37			-
			55,065			47,615
	Accumulated depreciation		(17,087	)		(14,600	)
		$	37,978		$	33,015

	Premises held for sale	$	275		$	1,538

	The Company purchased real estate, banking facilities, furniture and equipment from the FDIC at fair value in the amount of $5.0 million in connection with the Frontier acquisition. Depreciation and amortization expense was $2.6 million, $2.1 million, $1.5 million for the years ended December 31, 2013, 2012 and 2011, respectively.

	During the fourth quarter, the Company sold the downtown building in Albany, GA which was carried in held for sale at a value of approximately $1.1 million for $900,000 resulting in a loss of $226,000. Additionally, during the fourth quarter the Company recognized impairment related to the Guyton and Collins, Georgia branches of $190,000. As of December 31, 2013, these premises are carried in held for sale at $275,000.

	Leases

	As of December 31, 2013, the Company leased 2 full-service branch locations, 6 mortgage offices locations and one investment office. Additionally, as of December 31, 2013, the Company had 2 ATM branding leasing agreements for an ATM in Albany, Georgia and an ATM in Macon, Georgia.

	In 2013 the Company entered into 2 lease agreements in Columbus and John's creek, Georgia for 5 and 6 year terms as part of the continued mortgage loan production expansion, and renewed the mortgage office location in Alpharetta for an additional 7 years. Additionally, in 2013, the Company entered into an 18 month lease agreement with the FDIC to lease the Childersburg Branch location.

	The Company entered into various operating agreements for office equipment, primarily printers, as a result of the increase in operation locations in 2013 and 2012. The average term of these agreements is 36 months.

	The Company has a lease agreement for its investment division operations located in Albany, Georgia on a month to month lease.

	The Company also has an assignment of a 99 year land lease associated with a branch office in Ocala, Florida with a remaining life of approximately 59 years.

	Rental expense under all operating leases amounted to approximately $1.2 million, $986,000 and $543,000 for the years ended December 31, 2013, 2012 and 2011, respectively.

	Future minimum lease commitments on noncancelable operating leases, excluding any renewal options, are summarized as follows:

		(dollars in thousands)
	2014	$	861
	2015		862
	2016		764
	2017		690
	2018		640
	Thereafter		1,871
		$	5,688

GOODWILL_AND_INTANGIBLE_ASSETS

GOODWILL AND INTANGIBLE ASSETS	12 Months Ended
GOODWILL AND INTANGIBLE ASSETS	Dec. 31, 2013
GOODWILL AND INTANGIBLE ASSETS [Abstract]	'
GOODWILL AND INTANGIBLE ASSETS	'
	NOTE 15. GOODWILL AND INTANGIBLE ASSETS

	Goodwill

	During 2010, the Company recorded goodwill associated with the Lake City branch acquisition. As of December 31, 2013 and 2012, the goodwill was carried at $552,000. The fair value was greater than the carrying amount of goodwill based on the discounted cash flow model, and, as such, resulted in no impairment of the goodwill in 2013. See Note 1 for additional information.

	Intangible Assets

	Intangible assets consist of core deposit intangibles acquired in connection with business acquisitions and Mortgage Servicing Rights (MSRs).

	During 2013, the Company sold residential mortgage loans with unpaid principal balances of $20.8 million on which the Company retained the related mortgage servicing rights (MSRs) and receives servicing fees. At December 31, 2013, the carrying value of the MSR was $202,000 and the fair value was $208,000 based on the discounted cash flow model, and, as such, resulted in no impairment of the MSR as of December 31, 2013. At December 31, 2013 the approximate weighted average servicing fee was 0.25% of the outstanding balance of the residential mortgage loans.

	In March 2013, the Company recorded $625,000 core deposit intangible with the acquisition of Frontier Bank. In February 2011, the Company recorded $1.8 million core deposit intangible with the FDIC-assisted acquisition of Citizens. Additionally, the Company recorded $850,000 core deposit intangible with the FDIC-assisted acquisition of First Southern Bank in August 2011. In June 2012, the Company recorded $169,000 core deposit intangible with the acquisition of the Auburn branch. C ore deposit intangible assets were evaluated for impairment as of December 31, 2013 and based on that evaluation there was no impairment.

	Following is a summary of information related to the core deposit intangible assets associated with these acquisitions based on the Company's allocations:

		As of December 31, 2013				As of December 31, 2012
		Gross		Accumulated		Gross		Accumulated
		Carrying		Amortization		Carrying		Amortization
		Amount				Amount
		(dollars in thousands)
	The Tattnall Bank	$	263	$	128	$	263	$	101
	Lake City, Florida, branch		460		224		460		178
	PAB branches		1,912		849		1,912		651
	Citizens Bank of Effingham		1,778		861		1,778		590
	First Southern National Bank		850		349		850		211
	Auburn, Alabama, branch		169		47		169		18
	Frontier Bank		625		99		-		-
	Core deposit intangibles	$	6,057	$	2,557	$	5,432	$	1,749

	Intangible Assets (Continued)

	The estimated core deposit intangible amortization expense for each of the next five years as of December 31, 2013 is as follows:

		(dollars in thousands)
	2014	$	757
	2015		689
	2016		621
	2017		553
	2018		485
	2019 and beyond		395
		$	3,500

	There was $809,000, $781,000 and $692,000 of amortization expense recorded during the year ended December 31, 2013, 2012 and 2011.

DEPOSITS

DEPOSITS	12 Months Ended
DEPOSITS	Dec. 31, 2013
DEPOSITS [Abstract]	'
DEPOSITS	'
	NOTE 16. DEPOSITS

	The aggregate amount of time deposits in denominations of $100,000 or more at December 31, 2013 and 2012 was $228.4 million and $160.1 million, respectively.

	The scheduled maturities of time deposits at December 31, 2013 are as follows:

	2014	$	258,219
	2015		66,501
	2016		32,893
	2017		12,100
	2018 and beyond		13,668
		$	383,381

	Overdraft deposit accounts reclassified to loans totaled $574,000 and $316,000 at December 31, 2013 and 2012, respectively.

	The Company had $111.5 million and $56.2 million in brokered deposits as of December 31, 2013 and 2012, respectively. The increase in brokered deposits primarily resulted from the Company's purchase of CDARS One Way Buy deposits of approximately $55.0 million throughout 2013.

	The depositors of the Company are insured by the FDIC. This insurance coverage generally insures each depositor up to $250,000. Amounts in excess of $250,000 are generally not insured.

	The following table presents the interest expense for each major category of deposits for periods indicated:

		Years Ended December 31,
		2013		2012		2011
	Interest Expense
	Interest bearing demand	$	170	$	270	$	818
	Savings and money market		1,090		1,139		2,367
	Retail time deposits		2,453		3,349		4,178
	Wholesale time deposits		364		116		187
		$	4,077	$	4,874	$	7,550

EMPLOYEE_BENEFIT_PLANS

EMPLOYEE BENEFIT PLANS	12 Months Ended
EMPLOYEE BENEFIT PLANS	Dec. 31, 2013
EMPLOYEE BENEFIT PLANS [Abstract]	'
EMPLOYEE BENEFIT PLANS	'
	NOTE 17. EMPLOYEE BENEFIT PLANS

	Pension Plan

	The Company provides pension benefits for eligible employees through a defined benefit pension plan. Effective January 1, 2009, the Board of Directors voted to freeze the plan to new entrants. Participants of the plan prior to January 1, 2009 that meet certain age and service requirements participate in the retirement plan on a noncontributing basis. Information pertaining to the activity in the plan is as follows:

			December 31,
			(dollars in thousands)
			2013				2012				2011
	Changes in benefit obligations:
	Obligations at beginning of year		$	13,191			$	11,776			$	9,851
	Service cost			703				818				709
	Interest cost			550				522				507
	Benefits paid			(1,191	)			(1,192	)			(1,077	)
	Actuarial loss			(2,559	)			1,267				1,786
	Obligations at end of year		$	10,694			$	13,191			$	11,776

	Changes in plan assets:
	Fair value of assets at beginning of year		$	8,865			$	8,097			$	8,184
	Actual return on assets			757				960				(95	)
	Company contributions			250				1,000				1,085
	Benefits paid			(1,191	)			(1,192	)			(1,076	)
	Fair value of assets at end of year		$	8,681			$	8,865			$	8,098

	Funded status at end of year, included in other liabilities		$	2,013			$	4,326			$	3,678

	Pretax amounts recognized in accumulated other comprehensive income consist of:
	Net loss		$	2,979			$	6,191			$	5,863
	Prior service cost			130				139				149
			$	3,109			$	6,330			$	6,012

	Accumulated benefit obligation		$	9,139			$	10,895			$	9,736

	Net periodic benefit cost:
	Service cost		$	703			$	819			$	709
	Interest cost			550				521				507
	Expected return on plan assets			(684	)			(585	)			(636	)
	Amortization of prior losses			580				565				319
	Amortization of service costs			9				9				9
	Net periodic benefit cost		$	1,158			$	1,329			$	908

	Pension Plan (Continued)

	Other changes in plan assets and benefit obligations recognized in other comprehensive income (loss):

		December 31,
		2013					2012				2011
		(dollars in thousands)
	Current year actuarial loss		$	(2,632	)		$	892			$	2,516
	Amortization of prior losses			(580	)			(565	)			(319	)
	Amortization of prior service cost			(9	)			(9	)			(9	)
	Total recognized in other comprehensive income (loss)		$	(3,221	)		$	318			$	2,188


			December 31,
			2013				2012
	Assumptions used in computations:
	In computing ending obligations:
	Discount rate			5.25	%			4.25	%
	Rate of compensation increase			7.5	%			3	%
	In computing expected return on plan assets			3	%			7.5	%

	To determine the expected rate of return on plan assets, the Company considers the current and expected asset allocations, as well as historical and expected returns on various categories of plan assets. The approximate allocation of plan assets as of December 31, 2013 and 2012 is as follows:

		2013				2012

Fixed income			25.2	%			21.3	%
Equities			54.1	%			37.7	%
Balanced			14.5	%			26.1	%
Cash and cash equivalents			4.4	%			13.1	%
Other			1.8	%			1.8	%

Plan fiduciaries set investment policies and strategies for the plan assets. Long-term strategic investment objectives include capital appreciation through balancing risk and return.

The Company expects to contribute $670,000 to the plan during 2014.

The amounts in accumulated other comprehensive income (loss) that are expected to be recognized as components of net periodic benefit cost during 2013 are as follows:

Prior service cost		$	9
Net loss			225
		$	234

Estimated future benefit payments, which reflect expected future service, as appropriate, are as follows:

Fiscal Year		Amount
		(dollars in thousands)
2013		$	384
2014			360
2015			331
2016			524
2017			1,735
2018-2022			7,264

401(K) Plan

The Company has also established a salary deferral plan under Section 401(k) of the Internal Revenue Code. The plan allows eligible employees to defer a portion of their compensation up to 25%, subject to certain limits based on federal tax laws. Such deferrals accumulate on a tax deferred basis until the employee withdraws the funds. The Company matches 50% of employee's contributions up to 4% of their salary. Total expense recorded for the Company's match was approximately $332,000 and $205,000 and $157,000 for the fiscal years ended December 31, 2013, 2012 and 2011, respectively.

Employee Stock Ownership Plan (ESOP)

In connection with the minority stock offering, the Company established an Employee Stock Ownership Plan ("ESOP") for the benefit of its employees with an effective date of June 29, 2005. The ESOP purchased 440,700 (369,174 after conversion) shares of common stock from the minority stock offering with proceeds from a ten-year note in the amount of $4.4 million from the Company. After the 2010 Conversion and stock offering, the unearned shares held by the ESOP were adjusted to reflect the 0.8377:1 exchange ratio on publicly traded shares. Additionally, in connection with the 2010 Conversion the stock offering, the ESOP purchased 327,677 shares of common stock with proceeds from a twenty-year note in the amount of $3.3 million.

The Company's Board of Directors determines the amount of contribution to the ESOP annually, but it is required to make contributions sufficient to service the ESOP's debt. Shares are released for allocation to employees as the ESOP debt is repaid. Eligible employees receive an allocation of released shares at the end of the calendar year on a relative compensation basis. An employee becomes eligible on January 1^st or July 1^st immediately following the date they complete one year of service. Company dividends on allocated shares will be paid to employee accounts. Dividends on unallocated shares held by the ESOP will be applied to the ESOP note payable.

Contributions to the ESOP during 2013, 2012 and 2011 amounted to $784,000, $1.0 million and $726,000, respectively.

Compensation expense for shares committed to be released under the Company's ESOP for the fiscal years ended December 31, 2013, 2012 and 2011 were $854,000, $669,000 and $620,000, respectively. Shares held by the ESOP were as follows:


		Years Ended December 31,
		2013				2012				2011

Shares released for allocation			364,316				311,014				257,713
Unearned			332,535				385,837				439,138
Total ESOP shares			696,851				696,851				696,851

Fair value of unearned shares		$	6,401,293			$	5,320,688			$	5,181,828

DEFERRED_COMPENSATION_PLANS

DEFERRED COMPENSATION PLANS	12 Months Ended
DEFERRED COMPENSATION PLANS	Dec. 31, 2013
DEFERRED COMPENSATION PLANS [Abstract]	'
DEFERRED COMPENSATION PLANS	'
	NOTE 18. DEFERRED COMPENSATION PLANS

	The Company has entered into separate deferred compensation arrangements with certain executive officers and directors. The plans call for certain amounts payable at retirement, death or disability. The estimated present value of the deferred compensation is being accrued over the remaining expected service period. The Company has purchased life insurance policies which they intend to use to finance this liability. Cash surrender value of life insurance of $24.2 million and $23.4 million December 31, 2013 and 2012, respectively, is separately stated on the consolidated balance sheets. The Bank is generally limited by regulatory guidance to an investment in cash surrender value of Bank owned life insurance ("BOLI") of no more than 25% of Tier I capital at the time of purchase. The Bank was in compliance with this regulatory guidance at the time of purchase. In September of 2007, the Company accelerated vesting under its deferred compensation agreements with each of its currently serving covered directors and executives. Under this acceleration, each covered director and executive is fully vested in their plan balance.

	In July 2012, the Company elected to terminate and liquidate the deferred compensation plan agreement. All distributions in connection with the termination of the plan were to be made no earlier than 12 months and no later than 24 months. As of December 31, 2013, $2.8 million had been distributed from the plan with approximately $255,000 to be distributed in 2014.


	Accrued deferred compensation $255,000 and $3.1 million at December 31, 2013 and 2012, respectively, is included in other liabilities.

	The Company has also entered into deferred salary agreements with certain officers electing to defer a portion of their salary. These amounts are expensed and the plan accumulates the deferred salary plus earnings. At December 31, 2013 and 2012, the liability for these agreements was $911,000 and $814,000 respectively, and is included in other liabilities.

	Aggregate compensation expense under the plans was $59,000, $49,000 and $42,000 for the years ended December 31, 2013, 2012 and 2011, respectively.

FEDERAL_FUNDS_PURCHASED_AND_SE

FEDERAL FUNDS PURCHASED AND SECURITIES SOLD UNDER REPURCHASE AGREEMENTS	12 Months Ended
	Dec. 31, 2013
FEDERAL FUNDS PURCHASED AND SECURITIES SOLD UNDER REPURCHASE AGREEMENTS [Abstract]	'
FEDERAL FUNDS PURCHASED AND SECURITIES SOLD UNDER REPURCHASE AGREEMENTS	'
	NOTE 19. FEDERAL FUNDS PURCHASED AND SECURITIES SOLD UNDER REPURCHASE AGREEMENTS

	Federal funds purchased represent unsecured borrowings from other banks and generally mature daily. Securities sold under repurchase agreements are secured borrowings and are reflected at the amount of cash received in connection with the transactions. The Company may be required to provide additional collateral based on the fair value of the underlying securities. The Company monitors the fair value of the underlying securities on a daily basis. Federal funds purchased and securities sold under repurchase agreements at were as follows:


		December 31,
		2013		2012
		(dollars in thousands)

	Federal funds purchased from Chattahoochee Bank of Georgia with interest at 0.15% maturing daily.	$	2,372	$	417
	Sold in overnight agreements maturing in one to four days.		5,276		2,802
	Sold in a structured agreement due January 25, 2018 with a rate of 3.78% fixed until maturity.		5,000		5,000
	Sold in a structured agreement due March 3, 2018 with a rate of 3.45% fixed until maturity.		5,000		5,000
	Sold in a structured agreement due March 3, 2018 with a variable rate, that resets quarterly, of 4.37% at December 31, 2012.		5,000		5,000
	Sold in a structured agreement due March 8, 2017 with a fixed rate of 4.85% until maturity.		10,000		10,000
	Sold in a structured agreement due August 21, 2017 with a fixed rate of 4.75% until maturity.		5,000		5,000
		$	37,648	$	33,219

	The federal funds purchased from Chattahoochee are under similar terms and conditions as would be available with other third parties.

OTHER_BORROWINGS

OTHER BORROWINGS	12 Months Ended
OTHER BORROWINGS	Dec. 31, 2013
OTHER BORROWINGS [Abstract]	'
OTHER BORROWINGS	'
	NOTE 20. OTHER BORROWINGS

	FHLB Advances

	The Company has from time-to-time entered into borrowing agreements with the FHLB. Advances from the FHLB require borrowing capacity supported by the pledging of certain loans or securities. These advances may be made pursuant to several different credit programs, each of which has its own interest rate, range of maturities, and call features. Advances under these agreements are collateralized by stock in the FHLB, qualifying first and second mortgage residential loans, and commercial real estate loans under a blanket-floating lien.

		December 31,
		2013		2012
		(dollars in thousands)

	0.18%, fixed rate due January 16, 2014	$	15,000	$	-
	0.17% fixed rate due January 30, 2014		15,000		-
	7.67% fixed rate due April 15, 2014 ⁽¹⁾		24		-
	7.67% fixed rate due April 15, 2014⁽¹⁾		44		-
	3.71% convertible fixed rate due September 17, 2014*		5,000		5,000
	0.41% fixed rate due November 5, 2014		5,000		5,000
	4.23%, convertible fixed rate due August 17, 2015*		5,000		5,000
	0.57% fixed rate due November 5, 2015		5,000		5,000
	4.54% convertible fixed rate due October 31, 2016*		15,000		15,000
	0.76%, fixed rate due November 7, 2016		5,000		5,000
	3.90%, convertible fixed rate December 6, 2016^(1)*		7,000		-
	4.81%, convertible fixed rate due June 26, 2017^(1)*		10,000		-
	4.64%, convertible fixed rate due June 29, 2017^(1)*		5,000		-
	1.00%, fixed rate due November 6, 2017		5,000		5,000
	2.74%, convertible fixed rate due July 23, 2018*		10,000		10,000
	1.21%, fixed rate November 5, 2018		5,000		5,000
	4.75%, convertible fixed rate due April 22, 2019^(1)*		5,000		-
	4.05%, convertible fixed rate due November 25, 2020^(1)*		5,000		-
	2.30% fixed rate due March 1, 2023		5,000		-
		$	127,068	$	60,000
	Fair value adjustment ⁽¹⁾		4,326		-
		$	131,394	$	60,000

	(1) FHLB advances acquired with Frontier acquisition hold a fair value credit adjustment of $4.3 million which will reduce future interest expense over the life of the borrowings.

	* Advance is convertible from fixed to floating at the FHLB's discretion.

	Net eligible loans of the Company pledged via a blanket lien to the FHLB for advances and letters of credit at December 31, 2013, were approximately $329.5 million which allows the Company a total borrowing capacity at FHLB of approximately $152.3 million. After accounting for advances totaling $127.1 million, the Company had unused net credit available with the FHLB in the amount of approximately $25.2 million at December 31, 2013.

	The FLHB advances at December 31, 2013 have maturities in future years as follows:

	2014	$	40,069
	2015		10,000
	2016		27,646
	2017		22,021
	2018		15,000
	Thereafter		16,658
		$	131,394

	The Company and the Bank have available unused lines of credit with various financial institutions, including the FHLB, totaling approximately $99.3 million and $137.4 million December 31, 2013 and 2012, respectively.

INCOME_TAXES

INCOME TAXES	12 Months Ended
INCOME TAXES	Dec. 31, 2013
INCOME TAXES [Abstract]	'
INCOME TAXES	'
	NOTE 21. INCOME TAXES

	The income tax expense in the consolidated statements of income consists of the following:

					Years Ended December 31,
					2013		2012		2011

		(dollars in thousands)
	Current	$	4,362			$	1,705			$	1,983
	Deferred		317				880				(883	)
		$	4,679			$	2,585			$	1,100

	The Company's income tax expense (benefit) differs from the amounts computed by applying the federal income tax statutory rates to income before income taxes. A reconciliation of the differences is as follows:

		Years Ended December 31,
		2013								2012					2011
		(dollars in thousands)
	Tax at federal income tax rate	$	5,438				34	%		$	3,176		34	%	$	1,674		34	%
	Increase (decrease) resulting from:
	Tax-exempt interest		(422	)			(2.64	)%			(368	)	(3.95	)%		(283	)	(5.75	)%
	Gain on bank owned life insurance death benefit		-				-				-		-			(11	)	(0.22	)%
	Bank owned life insurance		(273	)			(1.70	)%			(262	)	(2.81	)%		(200	)	(4.06	)%
	Employee Stock Ownership Plan		24				0.15	%			(39	)	(0.42	)%		(76	)	(1.55	)%
	Other		(88	)			(0.55	)%			78		0.83	%		(4	)	(0.08	)%
	Provision for income tax expense (benefits)		4,679				29.26	%			2,585		27.65	%		1,100		22.34	%
	Pre-tax income for each period	$	15,994							$	9,342				$	4,925

	The components of deferred taxes are summarized as follows:

		December 31,
		2013				2012
		(dollars in thousands)
	Deferred tax assets:
	Loan loss reserves	$	3,581			$	3,624
	Deferred compensation		472				1,581
	Pension liability		1,243				2,531
	Unrealized loss (gain) on securities available for sale		4,871				(829	)
	Impairment loss on securities available for sale		556				556
	Stock-based compensation		695				593
	Nonaccrual loans		142				126
	Premises held for sale		76				201
	Other real estate owned		885				665
	Core deposit intangible		555				391
	Deferred loans costs		104				41
	Deferred pension costs		163				(200	)
	Other		545				13
			13,888				9,293
	Deferred tax liabilities:
	Bargain gain purchase		2,228				1,506
	Depreciation and amortization		686				923
	Unrealized gain (loss) on derivative		940				(863	)
	Goodwill		59				44
			3,913				1,610

	Net deferred tax assets	$	9,975			$	7,683

	Management performed an analysis related to the Company's deferred tax assets for the year ended December 31, 2013 and 2012. In its analysis, the Company considered all available evidence, both positive and negative, to determine whether estimated future taxable income will be sufficient to realize these assets. The tax operating losses have been carried back against prior years' taxable income, resulting in the tax benefits from the losses being fully realized. Based on current tax laws, there are no more income taxes that may be recovered from prior years. As a result, the realization of the deferred tax assets is solely dependent upon future taxable income. The primary positive evidence considered was sustained taxable income for both 2013 and 2012, internal projections, economic and industry trends, historical and projected loan loss trends, the impact of regulatory reform and demographic data for the Company's markets. Based upon this analysis, the Company believes that future taxable income will more likely than not be sufficient to realize these assets, and thus, no valuation allowances were deemed necessary for the periods indicated above.

COMMITMENTS_AND_CONTINGENCIES

COMMITMENTS AND CONTINGENCIES	12 Months Ended
	Dec. 31, 2013
COMMITMENTS AND CONTINGENCIES [Abstract]	'
COMMITMENTS AND CONTINGENCIES	'
	NOTE 22.	COMMITMENTS AND CONTINGENCIES

	Loan Commitments

	The Company is a party to financial instruments with off-balance-sheet risk in the normal course of business to meet the financing needs of its customers. These financial instruments include commitments to extend credit and standby letters of credit. They involve, to varying degrees, elements of credit risk and interest rate risk in excess of the amount recognized in the balance sheets.

	The Company's exposure to credit loss is represented by the contractual amount of those instruments. The Company uses the same credit policies in making commitments and conditional obligations as it does for on-balance-sheet instruments. A summary of the Company's commitments is as follows:


			December 31,
			2013		2012
			(dollars in thousands)

	Commitments to extend credit		$	106,179	$	98,492
	Commitments to originate loans			59,629		36,887
	Standby letters of credit			2,270		1,371
			$	168,078	$	136,750

	Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since many of the commitments are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. The amount of collateral obtained, if deemed necessary by the Company upon extension of credit, is based on management's credit evaluation of the customer.

	Standby letters of credit are conditional commitments issued by the Company to guarantee the performance of a customer to a third party. Those guarantees are primarily issued to support public and private borrowing arrangements. The credit risk involved in issuing letters of credit is essentially the same as that involved in extending loans to customers. Collateral is required in instances which the Company deems necessary.

	At December 31, 2013 and 2012, the carrying amount of liabilities related to the Company's obligation to perform under financial standby letters of credit was insignificant. The Company has not been required to perform on any financial standby letters of credit and the Company has not incurred any losses on financial standby letters of credit for the year ended December 31, 2013 and 2012.

	Contingencies

	In the normal course of business, the Company is involved in various legal proceedings. In the opinion of management, any liability resulting from such proceedings would not have a material effect on the Company's financial statements at December 31, 2013.

CONCENTRATIONS_OF_CREDIT

CONCENTRATIONS OF CREDIT	12 Months Ended
CONCENTRATIONS OF CREDIT	Dec. 31, 2013
CONCENTRATIONS OF CREDIT [Abstract]	'
CONCENTRATIONS OF CREDIT	'
	NOTE 23. CONCENTRATIONS OF CREDIT

	The Company makes commercial, residential, construction, agricultural, agribusiness and consumer loans to customers primarily in counties in south and central Georgia and Alabama and north central Florida. A majority of the Company's customers' abilities to honor their contracts is dependent on the business economy in the geographical areas served by the Bank.

	A substantial portion of the Company's loans are secured by real estate in the Company's primary market areas. In addition, a substantial portion of the other real estate owned is located in those same markets. Accordingly, the ultimate collectability of a substantial portion of the Company's loan portfolio and the recovery of a substantial portion of the carrying amount of other real estate owned are susceptible to changes in real estate conditions in the Company's primary market area.

	Based on the capital level at December 31, 2012, the maximum amount under Georgia law that the Bank could loan to any one borrower and the borrower's related entities was $21.6 million for fully secured loans and $13.0 million for all other loans. Internally, management has set a limit of $5.0 million. These internal limits may be exceeded by approval of the Board of Directors.

REGULATORY_MATTERS

REGULATORY MATTERS	12 Months Ended
REGULATORY MATTERS	Dec. 31, 2013
REGULATORY MATTERS [Abstract]	'
REGULATORY MATTERS	'
	NOTE 24. REGULATORY MATTERS

	The Bank is subject to certain restrictions on the amount of dividends that may be declared without prior regulatory approval. At December 31, 2013, there was approximately $2.2 million available for dividend declaration without regulatory approval.

	The Company and the Bank are subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary, actions by regulators that, if undertaken, could have a direct material effect on the Company's and Bank's financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Company and the Bank must meet specific capital guidelines that involve quantitative measures of their assets, liabilities and certain off-balance-sheet items as calculated under regulatory accounting practices. Capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings and other factors.

	Quantitative measures established by regulation to ensure capital adequacy require the Bank to maintain minimum amounts and ratios of total and Tier I capital, as defined by the regulations, to risk-weighted assets, as defined, and of Tier I capital to average assets, as defined. Management believes, as of December 31, 2013 and 2012, the Company and the Bank met all capital adequacy requirements to which they are subject.

	As of December 31, 2013 and 2012, the most recent notification from the regulatory authorities categorized the Bank as well capitalized under the regulatory framework for prompt corrective action. To be categorized as well capitalized, the Bank must maintain minimum total risk-based, Tier I risk-based and Tier I leverage ratios as set forth in the following table. There are no conditions or events since that notification that management believes have changed the Bank's category. Prompt corrective action provisions are not applicable to bank holding companies.

	The Company and the Bank's actual capital amounts and ratios are presented in the following table.

										For Capital					To Be Well Capitalized
										Adequacy					Under Prompt Corrective
			Actual							Purposes					Action Provisions
			Amount				Ratio			Amount		Ratio			Amount			Ratio
			(Dollars in thousands)
	31-Dec-13
	Total Capital to Risk Weighted Assets
	Consolidated		$	137,549				14.5	%	$	76,023		8	%	$	N/	A		-
	HeritageBank of the South			123,439				13.2	%		74,890		8	%		93,613			10	%
	Tier I Capital to Risk Weighted Assets
	Consolidated		$	128,594				13.5	%	$	38,012		4	%	$	N/	A		-
	HeritageBank of the South			114,484				12.2	%		37,445		4	%		56,167			6	%
	Tier I Capital to Average Assets:
	Consolidated		$	128,594				9.5	%	$	54,049		4	%	$	N/	A		-
	HeritageBank of the South			114,484				8.5	%		53,711		4	%		67,139			5	%

	As of December 31, 2012
	Total Capital to Risk Weighted Assets
	Consolidated		$	128,381				18.4	%	$	55,697		8	%	$	N/	A		-
	HeritageBank of the South			111,762				16.4	%		54,359		8	%		67,949			10	%
	Tier I Capital to Risk Weighted Assets
	Consolidated		$	119,881				17.2	%	$	27,849		4	%	$	N/	A		-
	HeritageBank of the South			103,248				15.2	%		27,180		4	%		40,769			6	%
	Tier I Capital to Average Assets:
	Consolidated		$	119,881				11	%	$	43,498		4	%	$	N/	A		-
	HeritageBank of the South			103,248				9.6	%		43,186		4	%		53,982			5	%


	Heritage Financial Group, Inc. is subject to Georgia capital requirements for holding companies.

	At December 31, 2013, Heritage Financial Group, Inc. had total equity of $125.1 million or 9.1% of total assets as of that date. Under Georgia capital requirements for holding companies, Heritage Financial Group, Inc. had Tier I leverage capital of $128.8 million or 9.5%, which was $54.0 million above the 4.0% requirement.

	Under federal law, the Bank is subject to the qualified thrift lender test. The qualified thrift lender test requires a savings institution to have at least 65% of its portfolio assets in housing related to finance and other specified areas. If this test is not met, limits are placed on growth, branching, new investments, FHLB advances and dividends, or the Bank must convert to a commercial bank charter. Management believes that this test is met.

	As a Georgia savings bank, the Bank is subject to less restrictive regulations. Under Georgia regulations, the Bank is required to have no more than 50% of its assets in commercial real estate and business loans.

	A reconciliation of the Bank's capital included in its balance sheets and the regulatory capital amounts follows:

			December 31,
			2013				2012
			(dollars in thousands)
	Total capital per balance sheet		$	110,954			$	104,016
	Regulatory capital adjustments:
	Net unrealized losses on available for sale securities			(7,307	)			(1,245	)
	Accumulated net gains on cash flow hedges			455				5,093
	Disallowed goodwill and other disallowed intangible assets			(4,050	)			(4,234	)
	Disallowed deferred tax assets			-				(382	)
	Disallowed servicing rights			(182	)			-

	Total Tier 1 Capital			114,484				103,248

Allowance for loan and lease losses includible in Tier 2 capital			8,955				8,500
Unrealized gains on available for sale equity securities includible in Tier 2 capital			-				14

Total Tier 1 and 2 Capital		$	123,439			$	111,762

CONDENSED_FINANCIAL_INFORMATIO

CONDENSED FINANCIAL INFORMATION OF HERITAGE FINANCIALGROUP, INC (PARENT COMPANY ONLY)	12 Months Ended
	Dec. 31, 2013
CONDENSED FINANCIAL INFORMATION OF HERITAGE FINANCIALGROUP, INC. (PARENT COMPANY ONLY) [Abstract]	'
CONDENSED FINANCIAL INFORMATION OF HERITAGE FINANCIALGROUP, INC. (PARENT COMPANY ONLY)	'
	NOTE 25. CONDENSED FINANCIAL INFORMATION OF HERITAGE FINANCIAL GROUP, INC. (PARENT COMPANY ONLY)

	CONDENSED BALANCE SHEETS
	(Dollars in thousands)

			December 31,
			2013				2012
	Assets
	Cash and due from banks		$	10,181			$	13,901
	Other equity securities, at cost			1,010				1,010
	Investment in subsidiary			110,954				104,015
	Premises and equipment, net			447				439
	Other assets			2,526				1,381

	Total assets		$	125,118			$	120,746

	Liabilities
	Other liabilities		$	55			$	97

	Stockholders' equity			125,063				120,649

	Total liabilities and stockholders' equity		$	125,118			$	120,746

	CONDENSED STATEMENTS OF INCOME
	(Dollars in thousands)

			Years Ended December 31,
			2013				2012				2011
	Income
	Dividends from subsidiary		$	3,710			$	2,186			$	-
	Interest			-				-				15
	Other noninterest income			30				11				-
	Total income			3,740				2,197				15

	Expense
	Depreciation			16				14				14
	Other expense			963				1,016				903
	Total expense			979				1,030				917

	Income (loss) before income tax benefits and equity in undistributed earnings of subsidiary			2,761				1,167				(902	)

	Income tax benefits			357				356				356

	Income (loss) before equity in undistributed earnings of subsidiary			3,118				1,523				(546	)

	Equity in undistributed earnings
	of subsidiary			8,197				5,234				4,371

	Net income		$	11,315			$	6,757			$	3,825

				CONDENSED STATEMENTS OF CASH FLOWS

									Years Ended December 31,
									2013		2012		2011

	OPERATING ACTIVITIES
	Net income		$	11,315			$	6,757			$	3,825
	Adjustments to reconcile net income to net cash provided by (used in) operating activities:
	Depreciation and amortization			16				14				14
	Excess tax shortfall related to stock-based compensation plans			(10	)			8				2
	Stock-based compensation expense			259				259				216
	Equity in undistributed earnings of subsidiary			(8,197	)			(5,234	)			(4,371	)
	Other operating activities			(1,181	)			(195	)			(1,079	)
Total adjustments			(9,113	)			(5,148	)			(5,218	)

Net cash provided by (used in) operating activities			2,202				1,609				(1,393	)

INVESTING ACTIVITIES
Contribution of 50% of proceeds of stock offering to subsidiary			-				-				(16	)
Fund ESOP note receivable from conversion and stock offering			-				-				-
Contribution to subsidiary			(2,000	)			-				(7,000	)
Purchase of premises and equipment			(24	)			(3	)			-
Purchases of securities available for sale Proceeds from maturities of securities available for sale			-				-				25,000
Proceeds from sale of securities available for sale			-				-				-
Proceeds from fair value transfer of securities to bank			-				-				590

Net cash provided by (used in) investing activities			(2,024	)			(3	)			18,574

FINANCING ACTIVITIES
Shares released to employee stock ownership plan			853				669				620
Excess tax benefit related to stock-based compensation plans			10				(8	)			(2	)
Proceeds for stock exercise			503
Purchase of shares, net			(5,266	)			(7,220	)			(1,310	)
Dividends paid to stockholders			-				(2,832	)			(987	)

Net cash provided by (used in) financing activities			(3,898	)			(9,391	)			(1,679	)

Net increase (decrease) in cash and due from banks			(3,720	)			(7,785	)			15,502

Cash and due from banks at beginning of period			13,901				21,686				6,184

Cash and due from banks at end of period		$	10,181			$	13,901			$	21,686

STOCK_REPURCHASE_PLAN

STOCK REPURCHASE PLAN	12 Months Ended
STOCK REPURCHASE PLAN	Dec. 31, 2013
STOCK REPURCHASE PLAN [Abstract]	'
STOCK REPURCHASE PLAN	'
	NOTE 26. STOCK REPURCHASE PLAN

	In October 2012, the Company's Board of Directors approved another stock repurchase program expiring in October 2013, which authorizes the repurchase of 397,000 shares of common stock, or approximately 5% of the shares currently outstanding. As of mid-year 2013, the Company had purchased all 397,000 shares at a weighted average price of $13.95 per share for a total of $5.5 million.

	In April 2013, the Company's Board of Directors approved a stock repurchase program for 394,000 shares, or 5% of the Company's currently outstanding common stock, which expires in April 2014, unless the program is extended or completed earlier. As of December 31, 2013, the company had purchased 49,821 shares at an average price of $14.33 per share under the plan for a total of $714,000. As a result, the Company has remaining authorization to repurchase up to approximately 344,179 shares.

SUBSEQUENT_EVENTS

SUBSEQUENT EVENTS	12 Months Ended
SUBSEQUENT EVENTS	Dec. 31, 2013
SUBSEQUENT EVENTS [Abstract]	'
SUBSEQUENT EVENTS	'

	NOTE 27. SUBSEQUENT EVENTS

	Subsequent events and transactions that occurred after December 31, 2013 but prior to March 14, 2013, the date these financial statements were available to be issued, have been evaluated for potential recognition or disclosure in these financial statements. There were no subsequent events that require disclosure in the financial statements.

SUMMARY_OF_SIGNIFICANT_ACCOUNT1

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies)	12 Months Ended
	Dec. 31, 2013
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]	'
Basis of Presentation and Accounting Estimates	'
	Basis of Presentation and Accounting Estimates

	The consolidated financial statements include the accounts of the Company and its wholly-owned subsidiary. Significant intercompany transactions and balances have been eliminated in consolidation.

	In preparing the consolidated financial statements in conformity with accounting principles generally accepted in the United States of America (“GAAP”), management is required to make estimates and assumptions that affect the reported amounts of assets and liabilities as of the date of the balance sheet and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates.

	Material estimates that are particularly susceptible to significant change in the near-term relate to the determination of the allowance for loan losses, the valuation of foreclosed real estate, deferred tax assets, other-than-temporary impairments of securities, and the fair value of financial instruments.
Acquisition Accounting	'
	Acquisition Accounting

	U.S. GAAP requires the use of fair value accounting in determining the carrying values of certain assets and liabilities acquired in business combinations and accordingly the Company recorded assets purchased and liabilities assumed in our FDIC-assisted acquisitions at their fair values. The fair value of the loan portfolios acquired in these transactions was recorded and is being accounted for under the principles prescribed by ASC 310.

	On the date of acquisition, all loans acquired are assigned a fair value based on the present value of projected future cash flows. An accretable discount is determined based on the timing of the projected cash flows and is taken into income over the projected life of the loans. Such accretion is included in interest income. Expected cash flows are re-estimated at each reporting date. Subsequent decreases to the expected cash flows will generally result in a provision for loan losses.

	Subsequent increases in cash flows result in a reversal of the provision for loan losses to the extent of prior charges and adjusted the accretable discount, which will have a positive effect on interest income. Because the Company records loans acquired in connection with FDIC-assisted acquisitions at fair value, the Company records no allowance for loan losses related to the acquired covered loans on the acquisition date, given that the fair value of the loans acquired incorporates assumptions regarding credit risk.

	Acquisitions are accounted for under the purchase method of accounting. Purchased assets and assumed liabilities are recorded at their estimated fair values as of the purchase date. Any identifiable intangible assets are also recorded at fair value. When the fair value of the assets purchased exceed the fair value of liabilities assumed, a "bargain purchase gain" results. If the consideration given exceeds the fair value of the net assets received, goodwill is recognized. Fair values are subject to refinement for up to one year after the closing date of an acquisition as information relative to closing date fair values becomes available.
FDIC Receivable and Clawback Liability for Loss-Share Agreements	'
	FDIC Receivable and Clawback Liability for Loss-Share Agreements

	A significant portion of the Company’s acquired loan and other real estate assets are covered under loss share agreements with the FDIC in which the FDIC has agreed to reimburse the Company 80% of all losses as well as certain expenses incurred in connection with those assets. The Company estimated the amount that it will receive from the FDIC under the loss share agreements that will result from losses incurred as the Company disposes of covered loans and other real estate assets, and the Company recorded the estimate as a receivable from the FDIC. The Company discounted the receivable for the expected timing and receipt of those cash flows using a risk free rate plus a premium for risk. The accretion of the FDIC receivable discount is recorded into noninterest income using the level yield method over the estimated life of the receivable.

	The loss share agreements also include a provision whereby if losses do not exceed a calculated threshold, the Company is obligated to compensate the FDIC. This is referred to as a clawback liability and, if applicable, is paid at the end of ten years. The formula for the clawback liability varies from transaction-to-transaction and will be calculated using the formula provided in the individual loss share agreements and will not be consolidated into one calculation. The FDIC receivable for loss-share agreements is measured separately from the related covered assets because it is not contractually embedded in the assets and is not transferable if the Company sells the assets. The Company will review and update the fair value of the FDIC receivable at each reporting date in conjunction with the re-estimation of cash flows. The FDIC receivable and clawback liability will fluctuate as loss estimates and expected cash flows related to covered loans and other real estate owned change.
Cash Due from Banks and Cash Flows	'
	Cash Due from Banks and Cash Flows

	For purposes of reporting cash flows, cash and due from banks includes cash on hand, cash items in process of collection, and amounts due from banks. Cash flows from loans, loans held for sale, federal funds sold, interest-bearing deposits, interest receivable, deposits, federal funds purchased and securities sold under repurchase agreements, and interest payable are reported net.

	The Bank is required to maintain reserve balances in cash or on deposit with the Federal Reserve Bank. The total of those reserve balance requirements was approximately $1.5 million and $18.7 million at December 31, 2013 and 2012, respectively.
Securities	'
	Securities

	Debt securities that management has the positive intent and ability to hold to maturity are classified as held to maturity and recorded at amortized cost. Management has not classified any of its debt securities as held to maturity. Securities not classified as held to maturity, including equity securities with readily determinable fair values, are classified as available for sale and recorded at fair value with unrealized gains and losses excluded from earnings and reported in accumulated other comprehensive income, net of the related deferred tax effect. Equity securities, including other equity securities, without a readily determinable fair value are classified as available for sale and recorded at cost. Restricted equity securities are recorded at cost.

	The amortization of premiums and accretion of discounts are recognized in interest income using the interest method over the life of the securities. Realized gains and losses, determined on the basis of the cost of specific securities sold, are included in earnings on the settlement date.

	The Company evaluates investment securities for other-than-temporary impairment using relevant accounting guidance specifying that (a) if a company does not have the intent to sell a debt security prior to recovery and (b) it is more likely than not that it will not have to sell the debt security prior to recovery, the security would not be considered other-than-temporarily impaired unless there is a credit loss. When the Company does not intend to sell the security, and it is more likely than not, the Company will not have to sell the security before recovery of its cost basis, it will recognize the credit component of an other-than-temporary impairment of a debt security in earnings and the remaining portion in other comprehensive income.

	Securities purchased under resale agreements and securities sold under repurchase agreements are generally accounted for as collateralized financial transactions as more fully disclosed in Note 19. They are recorded at the amount at which the securities were acquired or sold plus accrued interest. It is the Company’s policy to take possession of securities purchased under resale agreements, which are primarily U.S. Government and Government agency securities. The market value of these securities is monitored, and additional securities are obtained when deemed appropriate to ensure such transactions are adequately collateralized. The Company also monitors its exposure with respect to securities sold under repurchase agreements, and a request for the return of excess securities held by the counterparty is made when deemed appropriate.
Loans Held for Sale	'
	Loans Held for Sale

	Loans held for sale consist of one-to-four family residential loans originated for sale in the secondary market and are carried at fair value under ASC 825-10-25. For residential mortgage loans, fair value is determined by outstanding commitments from investors for committed loans and on the basis of current delivery prices in the secondary mortgage market for uncommitted loans, if any. Adjustments to reflect unrealized gains and losses resulting from changes in fair value of residential mortgage loans held-for-sale and realized gains and losses upon ultimate sale of the loans are classified as noninterest income on the Consolidated Statements of Income.

	The Company enters into interest rate lock commitments (“IRLCs”) with customers on mortgage loans with the intention to sell the loan in the secondary market. The Company classifies IRLCs on residential mortgage loans, which are derivatives under ASC 815-10-15, on a gross basis within other liabilities or other assets. The derivatives arising from the IRLCs are recorded at fair value in other assets and liabilities and changes in that fair value are included in mortgage banking activities on the Consolidated Statements of Income.

	The fair value of the IRLC derivatives are determined by reference to quoted prices for loans with similar coupon rates and terms. The fair value of these commitments, while based on interest rates observable in the market, is highly dependent on the ultimate closing of the loans. These “pull through” rates are based on both the Company’s historical data and the current interest rate environment and reflect the Company’s best estimate of the likelihood that a commitment will ultimately result in a closed loan. Gains and losses on the sale of those loans are included in mortgage banking activities on the Consolidated Statements of Income.

	As a result of the adoption of SAB No. 109, the loan servicing value is also included in the fair value of IRLCs. For further information on the fair value accounting for residential mortgages held for sale, see Note 9.
Mortgage Servicing Rights	'
	Mortgage Servicing Rights
	When mortgage loans held for sale are sold with servicing retained, servicing rights are initially recorded at the current lower of cost or market (“LOCOM”) value with the income statement effect recorded in gains on sales of loans. LOCOM value is based on a valuation model that calculates the present value of estimated future net servicing income and cost compared to market value.

	All classes of servicing assets are subsequently measured using the amortization method which requires servicing rights to be amortized into non‑interest income in proportion to, and over the period of, the estimated future net servicing income of the underlying loans.

	Servicing rights are evaluated for impairment based upon the fair value of the rights as compared to carrying amount. Impairment is determined by stratifying rights into groupings based on predominant risk characteristics, such as interest rate, loan type and investor type. Impairment is recognized through a valuation allowance for an individual grouping, to the extent that fair value is less than the carrying amount. If the Company later determines that all or a portion of the impairment no longer exists for a particular grouping, a reduction of the allowance may be recorded as an increase to income. Changes in valuation allowances are reported in mortgage banking activities on the Consolidated Statements of Income. The fair values of servicing rights are subject to significant fluctuations as a result of changes in estimated and actual prepayment speeds and default rates and losses.

	Servicing fee income, which is reported in mortgage banking activities on the Consolidated Statements of Income, is recorded for fees earned for servicing loans. The fees are based on a contractual percentage of approximately 0.25% and are recorded as income when earned. The amortization of mortgage servicing rights is netted against loan servicing fee income. For the years ended December 31, 2013, 2012 and 2011, respectively, the Company did not collect any servicing fees, late fees or ancillary fees related to loan servicing.
Loans	'
	Loans

	Loans that management has the intent and ability to hold for the foreseeable future or until maturity or pay-off are reported at their outstanding principal balances less unearned income, net deferred fees and costs on originated loans and the allowance for loan losses. Interest income is accrued on the outstanding principal balance. Loan origination fees, net of certain direct origination costs of consumer loans not secured by real estate, are recognized at the time the loan is placed on the books. Loan origination fees and costs for all other loans are deferred and recognized as an adjustment of the yield over the life of the loan using the level yield method without anticipating prepayments.

	The accrual of interest on loans is discontinued when, in management's opinion, the borrower may be unable to meet payments as they become due, unless the loan is well-secured. Past due status is based on contractual terms of the loan. Generally, loans are placed on nonaccrual or charged off at an earlier date if collection of principal or interest is considered doubtful. All interest accrued, but not collected for loans that are placed on nonaccrual or charged off, is reversed against interest income, unless management believes that the accrued interest is recoverable through the liquidation of collateral. Interest income on nonaccrual loans is subsequently recognized only to the extent cash payments are received until the loans are returned to accrual status. Loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and the loan has been performing to contractual terms for a period of not less than six months.

	A loan is considered impaired when it is probable, based on current information and events, the Company will be unable to collect all principal and interest payments due in accordance with the contractual terms of the loan agreement. Factors considered by management in determining impairment include payment status, collateral value and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Impaired loans are measured by either the present value of expected future cash flows discounted at the loan’s effective interest rate, the loan’s obtainable market price or the fair value of the collateral if the loan is collateral dependent. Interest on accruing impaired loans is recognized as long as such loans do not meet the criteria for nonaccrual status.

	Purchased loans acquired in business acquisitions are recorded at the fair value at the acquisition date. Credit discounts are included in the determination of fair value; therefore, an allowance for loan losses is not recorded at the acquisition date.

	In determining the acquisition date fair value of purchased loans, and in subsequent accounting, the Company generally aggregates purchased loans into pools of loans with common risk characteristics. Expected cash flows at the acquisition date in excess of the fair value of loans are recorded as interest income over the life of the loans using a level yield method if the timing and amount of the future cash flows of the pool is reasonably estimable.

	Subsequent to the acquisition date, increases in cash flows over those expected at the acquisition date are recognized as interest income prospectively. Decreases in expected cash flows after the acquisition date are recognized by recording an allowance for loan losses.
Covered Loans	'
	Covered Loans

	The portion of the Company’s loan portfolio covered under loss share agreements with the FDIC in which the FDIC has agreed to reimburse the Company 80% of all losses as well as certain expenses incurred in connection with those assets. For further information on accounting for covered loans refer to the Acquisition Accounting and FDIC receivable for Loss Share Agreements sections within this Note 1.
Allowance for Loan Losses	'
	Allowance for Loan Losses
	The Company establishes provisions for loan losses, which are charged to income, at a level management believes will reflect probable credit losses based on historical loss trends and an evaluation of specific credits in the loan portfolio. For further information on the accounting for Allowance for Loan Losses, see Note 5 for further information.
Premises and Equipment	'
	Premises and Equipment

	Land is carried at cost. Premises and equipment are carried at cost, less accumulated depreciation computed on the straight-line method over the estimated useful lives:

		Years

	Buildings	40
	Furniture and equipment	7-Mar
Intangible Assets	'
	Intangible Assets

	Intangible assets consist of core deposit intangibles acquired in connection with business acquisitions and mortgage servicing rights, previously discussed. The core deposit intangibles are initially recognized based on a valuation performed as of the consummation date. The core deposit intangibles are amortized over the average remaining life of the acquired customer deposits, or approximately 7 years. Intangible assets were evaluated for impairment as of December 31, 2013 and based on that evaluation there was no impairment.
Goodwill	'
	Goodwill

	Goodwill represents the excess of cost over the fair value of the net assets and liabilities acquired in a business combination or acquisition. Goodwill is not amortized over an estimated useful life, but rather is tested annually for impairment, or whenever events occur that may indicate that the recoverability of the carrying amount is not probable. Current accounting guidance allows the Company to assess qualitative factors to determine whether it is necessary to perform the two-step quantitative goodwill impairment test. The Company is no longer required to calculate the fair value of a reporting unit unless the Company determines, based on a qualitative assessment, that it is more likely than not that its fair value is less than its carrying amount. The Company adopted the standard in 2012.

	If necessary, the quantitative goodwill impairment test is performed in two steps. The first step is used to identify potential impairment and the second step, if required, measures the amount of impairment by comparing the carrying amount of goodwill to its implied fair value. In the event of impairment, the amount by which the carrying amount exceeds the fair value would be charged to earnings. The Company assessed the qualitative factors including macroeconomic conditions, market conditions, cost of funds, financial contribution, and any changes in net assets and determined it was not more likely than not that its fair value was less than its carrying account at December 31, 2013.
Other Real Estate Owned ("OREO")	'
	Other Real Estate Owned ("OREO")

	OREO, consisting of properties obtained through foreclosure or through a deed in lieu of foreclosure in satisfaction of loans, is reported at the lower of cost or fair value, determined on the basis of current appraisals, comparable sales, and other estimates of value obtained principally from independent sources, adjusted for estimated selling costs. Management also considers other factors, including changes in absorption rates, length of time the property has been on the market and anticipated sales values, which have resulted in adjustments to the collateral value estimates indicated in certain appraisals.

	At the time of foreclosure or initial possession of collateral, any excess of the loan balance over the fair value of the real estate held as collateral is treated as a charge against the allowance for loan losses.

	Subsequent declines in the fair value of OREO below the new cost basis are recorded through valuation adjustments. Significant judgments and complex estimates are required in estimating the fair value of other real estate, and the period of time within which such estimates can be considered current is significantly shortened during periods of market volatility. In response to market conditions and other economic factors, management may utilize liquidation sales as part of its problem asset disposition strategy. As a result of the significant judgments required in estimating fair value and the variables involved in different methods of disposition, the net proceeds realized from sales transactions could differ significantly from appraisals, comparable sales, and other estimates used to determine the fair value of other real estate. Management reviews the value of other real estate periodically and adjusts the values as appropriate. Revenue and expenses from OREO operations as well as gains or losses on sales and any subsequent adjustments to the value are recorded as a component of non-interest expense.
Covered OREO	'
	Covered OREO

	The portion of OREO covered under loss share agreements with the FDIC in which the FDIC has agreed to reimburse the Company 80% of all losses as well as certain expenses incurred in connection with those assets. For further information of accounting for covered loans refer to the Acquisition Accounting and FDIC receivable for Loss Share Agreements sections within this Note 1.
Transfers of Financial Assets	'
	Transfers of Financial Assets

	Transfers of financial assets are accounted for as sales, when control over the assets has been surrendered. Control over transferred assets is deemed to be surrendered when (1) the assets have been isolated from the Company - put presumptively beyond the reach of the transferor and its creditors even in bankruptcy or other receivership, (2) 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 (3) the Company does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity or the ability to unilaterally cause the holder to return specific assets.
Pension Plan	'
	Pension Plan

	The compensation cost of an employee’s pension benefit is recognized on the projected unit credit method over the employee’s approximate service period. The Company’s funding policy is to contribute annually an amount that satisfies the funding standard account requirements of ERISA.
Employee Stock Ownership Plan ("ESOP")	'
	Employee Stock Ownership Plan ("ESOP")

	The cost of shares issued to the ESOP, but not yet allocated to participants, is shown as a reduction of stockholders’ equity. Compensation expense is based on the market price of shares as they are committed to be released to participant accounts. Dividends on allocated ESOP shares reduce retained earnings; dividends on unearned ESOP shares reduce debt and accrued interest.

	The Company accounts for its ESOP in accordance with ASC 718-40. Accordingly, since the Company sponsors the ESOP with an employer loan, neither the ESOP’s loan payable or the Company’s loan receivable are reported in the Company’s consolidated balance sheet. Likewise, the Company does not recognize interest income or interest cost on the loan. Unallocated shares held by the ESOP are recorded as unearned ESOP shares in the consolidated statement of changes in stockholders’ equity. As shares are released for allocation, the Company recognizes compensation expense equal to the average market price of the shares for the period.
Income Taxes	'
	Income Taxes

	The income tax accounting guidance results in two components of income tax expense: current and deferred. Current income tax expense reflects taxes to be paid or refunded for the current period by applying the provisions of the enacted tax law to the taxable income or excess of deductions over revenues. The Company determines deferred income taxes using the liability (or balance sheet) method. Under this method, the net deferred tax asset or liability is based on the tax effects of the differences between the book and tax bases of assets and liabilities, and enacted changes in tax rates and laws are recognized in the period in which they occur. The Company and Bank file consolidated income tax returns but maintain a tax allocation agreement, whereby the Company and Bank calculate their respective amounts of income and expenses and are only responsible for their share of the consolidated income taxes as if they were to file on an unconsolidated basis.

	Deferred income tax expense results from changes in deferred tax assets and liabilities between periods. Deferred tax assets are recognized if it is more-likely-than-not, based on the technical merits, that the tax position will be realized or sustained upon examination. A tax position that meets the more-likely-than-not recognition threshold is initially and subsequently measured as the largest amount of tax benefit that has a greater than 50 percent likelihood of being realized upon settlement with a taxing authority that has full knowledge of all relevant information. The determination of whether or not a tax position has met the more-likely-than-not recognition threshold considers the facts, circumstances, and information available at the reporting date and is subject to management’s judgment. Deferred tax assets may be reduced by deferred tax liabilities and a valuation allowance if, based on the weight of evidence available, it is more-likely-than-not that some portion or all of a deferred tax asset will not be realized.

	The Company recognizes interest and penalties accrued relative to unrecognized tax benefits in its respective federal or state income taxes accounts. As of December 31, 2013, there were no accruals for uncertain tax positions and no accruals for interest and penalties. The Company and its subsidiary file a consolidated United States federal income tax return, as well as income tax returns in Georgia, Florida, Alabama and Maryland. The Company's filed income tax returns are no longer subject to examination by taxing authorities for years prior to 2010.
Earnings Per Share	'
	Earnings Per Share

	Basic earnings per share represent net income available to common shareholders divided by the weighted-average number of common shares outstanding during the period, excluding unearned shares of the Employee Stock Ownership Plan and unvested shares of stock. Diluted earnings per share are computed by dividing net income by the sum of the weighted-average number of shares of common stock outstanding and dilutive potential common shares. Potential common shares consist only of stock options and unvested restricted shares.
Comprehensive Income	'
	Comprehensive Income

	Accounting principles generally require that recognized revenue, expenses, gains and losses be included in net income. Although certain changes in assets and liabilities, such as unrealized gains and losses on securities available for sale, unrealized gains and losses on cash flow hedge, and funded status of pension plan are reported as a separate component of the equity section of the balance sheet, such items, along with net income, are components of comprehensive income.
Advertising Costs	'
	Advertising Costs

	Advertising costs are expensed as incurred.
Derivative Instruments	'
	Derivative Instruments

	The Company enters into derivative transactions principally to protect against the risk of adverse price or interest rate movements on the value of certain assets and liabilities and on future cash flows. In addition, certain contracts and commitments are defined as derivatives under generally accepted accounting principles.

	All derivative instruments are carried at fair value on the balance sheet. Special hedge accounting provisions are provided, which permit the change in the fair value of the hedged item related to the risk being hedged to be recognized in earnings in the same period and in the same income statement line as the change in the fair value of the derivative, see Note 10 for additional information.

	Derivative instruments designated in a hedge relationship to mitigate exposure to changes in the fair value of an asset, liability, or firm commitment attributable to a particular risk, such as interest rate risk, are considered fair value hedges. Derivative instruments designated in a hedge relationship to mitigate exposure to variability in expected future cash flows, or other types of forecasted transactions, are considered cash flow hedges. The Company formally documents all relationships between hedging instruments and hedged items, as well as its risk management objective and strategy for undertaking each hedged transaction.
Reclassification	'
	Reclassification

	Certain amounts in the consolidated financial statements presented in the years ended December 31, 2012 and 2011 have been reclassified to conform to the December 31, 2013 presentation, with no effect on total assets or net income.

Recent Accounting Standards	'
	Recent Accounting Standards

	The following are summaries of recently issued accounting pronouncements that impact the accounting and reporting practices of the Company:

	In October 2012, ASU 2012-06, “Business Combinations (Topic 805) - Subsequent Accounting for an Indemnification Asset Recognized at the Acquisition Date as a Result of a Government-Assisted Acquisition of a Financial Institution (a consensus of the FASB Emerging Issues Task Force).” ASU 2012-06 clarifies the applicable guidance for subsequently measuring an indemnification asset recognized as a result of a government-assisted acquisition of a financial institution. Under ASU 2012-06, when a reporting entity recognizes an indemnification asset as a result of a government-assisted acquisition of a financial institution and, subsequently, a change in the cash flows expected to be collected on the indemnification asset occurs (as a result of a change in cash flows expected to be collected on the assets subject to indemnification), the reporting entity should subsequently account for the change in the measurement of the indemnification asset on the same basis as the change in the assets subject to indemnification. Any amortization of changes in value should be limited to the contractual term of the indemnification agreement (that is, the lesser of the term of the indemnification agreement and the remaining life of the indemnified assets). The amendments are effective for fiscal years beginning on or after December 15, 2012 and early adoption is permitted. The amendments are to be applied prospectively to any new indemnification assets acquired after the date of adoption and to indemnification assets existing as of the date of adoption arising from a government-assisted acquisition of a financial institution.

	In February 2013, ASU 2013-02, “Comprehensive Income (Topic 220) - Reporting of Amounts Reclassified Out of Accumulated Other Comprehensive Income.” ASU 2013-02 provides disclosure guidance on amounts reclassified out of accumulated other comprehensive income by component. The adoption did not have any impact on the Company’s financial position or results of operations but has impacted the financial statement disclosure. As shown on the Consolidated Statements of Comprehensive Income for the years ended December 31, 2013, 2012 and 2011, the Company reclassified net gains and securities impairment of $51,000, $1.7 million, and $410,000 out of other comprehensive income into gain on the sale of investment securities available for sale.

	In January 2014, ASU 2014-04, “Receivables—Troubled Debt Restructurings by Creditors (Topic 310-40): Reclassification of Residential Real Estate Collateralized Consumer Mortgage Loans upon Foreclosure a consensus of the FASB Emerging Issues Task Force.” ASU 2014-04 clarifies 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 (1) the creditor obtaining legal title to the residential real estate property upon completion of a foreclosure or (2) 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. Additionally, the amendments require interim and annual disclosure of both (1) the amount of foreclosed residential real estate property held by the creditor and (2) the recorded investment in consumer mortgage loans collateralized by residential real estate property that are in the process of foreclosure according to local requirements of the applicable jurisdiction. The amendments are effective for fiscal years and interim periods beginning on or after December 15, 2014. The Company is currently in the process of evaluating the ASU.

SUMMARY_OF_SIGNIFICANT_ACCOUNT2

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Tables)	12 Months Ended
	Dec. 31, 2013
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]	'
Premises and equipment estimated useful lives	'
	Land is carried at cost. Premises and equipment are carried at cost, less accumulated depreciation computed on the straight-line method over the estimated useful lives:

		Years

	Buildings		40
	Furniture and equipment		7-Mar

EARNINGS_PER_SHARE_Tables

EARNINGS PER SHARE (Tables)	12 Months Ended
EARNINGS PER SHARE (Tables)	Dec. 31, 2013
EARNINGS PER SHARE [Abstract]	'
Earnings per share	'
	The components used to calculate basic and diluted earnings per share follows:


		Years Ended December 31,
		2013		2012		2011
		(dollars in thousands, except per share data)
	Basic earnings and shares:
	Net income	$	11,315	$	6,757	$	3,825

	Weighted-average basic shares outstanding		7,421,348		7,969,104		8,188,843

	Basic earnings per share	$	1.52	$	0.85	$	0.47

	Diluted earnings and shares:
	Net income	$	11,315	$	6,757	$	3,825

	Weighted-average basic shares outstanding		7,421,348		7,969,104		8,188,843
	Add: Effect of dilutive outstanding equity-based shares		106,898		1,799		1,219
	Weighted-average diluted shares outstanding		7,528,246		7,970,903		8,190,062

	Diluted earnings per share	$	1.5	$	0.85	$	0.47

STOCK_PLANS_AND_STOCKBASED_COM1

STOCK PLANS AND STOCK-BASED COMPENSATION (Tables)	12 Months Ended
STOCK PLANS AND STOCK-BASED COMPENSATION (Tables)	Dec. 31, 2013
STOCK PLANS AND STOCK-BASED COMPENSATION [Abstract]	'
Summary of the status of the two plans	'
	A summary of the status of the two plans, along with changes during the periods then ended, follows:

			December 31,
			2013								2012								2011
			(dollars in thousands, except per share data)
			Number				Weighted-Average				Number				Weighted-Average				Number				Weighted-Average
							Exercise								Exercise								Exercise
							Price								Price								Price


	Under option, beginning of period			765,132			$	13.51				738,560			$	13.51				416,791			$	14.9
	Granted			-				-				31,900				13.25				346,870				11.95
	Exercised			(36,263	)			13.87				-				-				-				-
	Forfeited			(800	)			13.26				(5,326	)			11.99				(7,219	)			14.55
	Expired			(7,410	)			14.94				-				-				(17,882	)			15.44
	Under option, end of period			720,659			$	13.46				765,132			$	13.51				738,560			$	13.51

	Exercisable at end of period			490,131			$	14.11				456,940			$	14.48				386,091			$	14.94
	Weighted average fair value per option of options granted during period						$	-							$	282							$	2,692
	Total grant date fair value of options vested during the period						$	589							$	535							$	300
	Total intrinsic value of options exercised during the period						$	188							$	-							$	-
	Shares available for grant							106,222								98,012								117,673
Information on stock options outstanding less estimated forfeitures	'
	The following table presents information on stock options outstanding for the period shown, less estimated forfeitures:

			Years Ended December 31,
			2013				2012				2011

	Stock options vested and expected to vest:
	Number			720,659				765,132				738,560
	Weighted Average Exercise Price		$	13.46			$	13.51			$	13.51
	Aggregate Intrinsic Value			-				-				-
	Weighted Average Contractual Term of Options		5.0 years				5.9 years				6.8 years

	Stock options vested and currently exercisable:
	Number			490,131				456,940				386,091
	Weighted Average Exercise Price		$	14.11			$	14.48			$	14.94
	Aggregate Intrinsic Value			-				-				-
	Weighted Average Contractual Term of Options		3.8 years				4.1 years				4.4 years
Further summary of options outstanding	'
	A further summary of the options outstanding at December 31, 2013 follows:

					Options Outstanding												Options Exercisable
	Range of Exercise Prices				Number				Weighted- Average Contractual Life in Years				Weighted-				Number				Weighted-
													Average								Average
													Exercise								Exercise
													Price								Price

	$	8.32 - $13.26				364,004				7.6			$	12.02				133,476			$	11.91
	$	13.43 - $14.97				356,655				2.4			$	14.94				356,655			$	14.94
						720,659				5			$	13.46				490,131			$	14.11
Assumptions used for the options granted during the period	'
	The assumptions listed in the table below were used for the options granted in the period indicated.

		Years Ended December 31,
			2013				2012				2011
	Weighted-average risk-free interest rate			-				2.55	%			2.55%
	Weighted average expected life of the options		-				7.5 years					7.5 years
	Weighted average expected dividends (as a percent of the fair value of the stock)			-				1.64	%			1.64%
	Weighted-average expected volatility			-				80.46	%			80.46%
Summary of restricted stock activity	'
	Restricted stock consists of the following:

			31-Dec-13								31-Dec-12								31-Dec-11
			Restricted				Weighted				Restricted				Weighted				Restricted				Weighted
			Shares				Average				Shares				Average				Shares				Average
							Market								Market								Market
							Price								Price								Price
							at Grant								at Grant								at Grant
	Balance, beginning of period			113,795			$	12.12				123,910			$	11.94				37,705			$	14.6
	Granted			-				-				15,600				13.26				121,530				11.95
	Vested			(28,242	)			12.08				(25,389	)			11.95				(32,256	)			14.85
	Forfeited			(300	)			13.26				(326	)			12.7				(3,069	)			14.5
	Balance, end of period			85,253			$	12.13				113,795			$	12.12				123,910			$	11.94

SECURITIES_Tables

SECURITIES (Tables)	12 Months Ended
SECURITIES (Tables)	Dec. 31, 2013
SECURITIES [Abstract]	'
Amortized cost and fair value of securities available for sale with gross unrealized gains and losses	'
	The amortized cost and fair value of securities available for sale with gross unrealized gains and losses are summarized as follows:

						Gross			Gross
		Amortized				Unrealized			Unrealized			Fair
		Cost				Gains			Losses			Value
	December 31, 2013:	(dollars in thousands)
	U.S. Government sponsored agencies (GSEs)		$	56,493		$	9		$	(2,930	)	$	53,572
	State and municipal securities			54,012			222			(3,420	)		50,814
	GSE residential mortgage-backed securities			195,764			394			(6,889	)		189,269
	Total debt securities			306,269			625			(13,239	)		293,655
	Equity securities			207			439			(2	)		644
	Total securities		$	306,476		$	1,064		$	(13,241	)	$	294,299

	December 31, 2012:
	U.S. Government sponsored agencies (GSEs)		$	20,996		$	50		$	(27	)	$	21,019
	State and municipal securities			40,509			1,362			(298	)		41,573
	Corporate debt securities			1,150			-			(130	)		1,020
	GSE residential mortgage-backed securities			156,469			1,434			(406	)		157,497
	Total debt securities			219,124			2,846			(861	)		221,109
	Equity securities			207			93			(3	)		297
	Total securities		$	219,331		$	2,939		$	(864	)	$	221,406
Amortized cost and fair value of debt securities available for sale by contractual maturity	'
	The amortized cost and fair value of debt securities available for sale by contractual maturity are shown below. Maturities may differ from contractual maturities in mortgage-backed securities because the mortgages underlying the securities may be called or repaid without penalty. Therefore, these securities are not included in the maturity categories in the following maturity summary.

			31-Dec-13						31-Dec-12
			Amortized			Fair			Amortized			Fair
			Cost			Value			Cost			Value
			(dollars in thousands)
	One year or less		$	-		$	-		$	150		$	150
	One to five years			12,087			11,843			1,786			1,661
	Five to ten years			58,328			55,333			20,920			21,264
	Over ten years			40,297			37,854			40,006			40,834
	Mortgage-backed securities			195,764			189,269			156,469			157,497
			$	306,476		$	294,299		$	219,331		$	221,406
Gross realized gains and losses recognized in income	'
	The gross realized gains and losses recognized in income are reflected in the following table:

			Years Ended December 31,
			2013			2012			2011
			(dollars in thousands)

	Gross gains		$	85		$	3,068		$	684
	Gross losses			-			(230	)		-
	Net realized gains		$	85		$	2,838		$	684
Securities in a continuous unrealized loss position	'

	The following table shows the gross unrealized losses and fair value of securities aggregated by category and length of time that securities have been in a continuous unrealized loss position.

			Less Than 12 Months						12 Months or More							Total
	Description of Securities		Fair			Unrealized			Fair			Unrealized				Fair			Unrealized
	Description of Securities		Value			Losses			Value			Losses				Value			Losses
			(dollars in thousands)
	December 31, 2013 :
	U.S. Government sponsored agencies (GSEs)		$	53,716		$	(2,930	)	$	-		$	-			$	53,716		$	(2,930	)
	State and municipal securities			31,243			(2,321	)		7,566			(1,099	)			38,809			(3,420	)
	GSE residential mortgage-backed securities			141,069			(5,917	)		20,747			(972	)			161,816			(6,889	)
	Subtotal, debt securities			226,028			(11,168	)		28,313			(2,071	)			254,341			(13,239	)
	Equity securities			205			(2	)		-			-				205			(2	)
	Total temporarily impaired securities		$	226,233		$	(11,170	)	$	28,313		$	(2,071	)		$	254,546		$	(13,241	)

	December 31, 2012 :
	U.S. Government sponsored agencies (GSEs)		$	5,481		$	(27	)	$	-		$	-			$	5,481		$	(27	)
	State and municipal securities			10,981			(226	)		1,377			(72	)			12,358			(298	)
	Corporate debt securities			-			-			1,020			(130	)			1,020			(130	)
	GSE residential mortgage-backed securities			62,235			(337	)		4,634			(69	)			66,869			(406	)
	Subtotal, debt securities			78,697			(590	)		7,031			(271	)			85,728			(861	)
	Equity securities			-			-			204			(3	)			204			(3	)
	Total temporarily impaired securities		$	78,697		$	(590	)	$	7,235		$	(274	)		$	85,932		$	(864	)
Schedule of detail on selective security holdings	'

	The following table presents more detail on selective Company security holdings as of December 31, 2013. These details are listed separately due to the inherent level of risk for OTTI on these securities.
					Current Credit		Book			Fair			Unrealized				Present Value Discounted
	Description		Cusip#		Rating		Value			Value			Loss				Cash Flow

	Marketable equity securities
	FHLMC Preferred Stock			313400657	Ca		$	-		$	439		$	-			$	439


	Trust preferred securities
	RBS Capital Fund			74928K208	Ba3			207			205			(2	)			207
Roll Forward of cumulative amount of credit losses on investment securities	'

	The following table presents a roll-forward of the cumulative amount of credit losses on the Company's investment securities that have been recognized through earnings.


			31-Dec-13			31-Dec-12			31-Dec-11
	Beginning balance of credit losses		$	1,543		$	1,543		$	1,500
	Other-than-temporary impairment credit losses			-			-			43

	Ending balance of cumulative credit losses recognized in earnings		$	1,543		$	1,543		$	1,543

LOANS_AND_ALLOWANCE_FOR_LOAN_L1

LOANS AND ALLOWANCE FOR LOAN LOSSES (EXCLUDING FDIC-ACQUIRED LOANS) (Tables)	12 Months Ended
	Dec. 31, 2013
LOANS AND ALLOWANCE FOR LOAN LOSSES (EXCLUDING FDIC-ACQUIRED LOANS) [Abstract]	'
Composition of loans	'

	The composition of loans is summarized as follows:

			December 31,				December 31,
			2013				2012
	Commercial real estate:
	Nonresidential		$	256,567			$	212,570
	Multifamily			22,650				21,293
	Farmland			23,420				20,141
	Total commercial real estate loans			302,637				254,004

	Construction and land			50,167				33,340

	Residential real estate:
	Mortgage loans, 1-4 family			177,456				161,883
	Home equity			29,147				27,345
	Total residential real estate loans			206,603				189,228

	Consumer and other:
	Indirect auto loans			247				1,304
	Direct auto loans			6,640				6,801
	Other			17,089				17,393
	Total consumer and other loans			23,976				25,498

	Commercial and industrial loans			101,161				83,659

				684,544				585,729
	Loans acquired through FDIC-assisted acquisitions
	Non-covered			50,891				11,850
	Covered			63,318				72,425
	Total loans			798,753				670,004

	Total allowance for loan losses			(8,955	)			(9,061	)
	Loans, net		$	789,798			$	660,943
Change in related party loans	'
	Changes in related party loans are summarized as follows:

	As of December 31
			2013				2012
			(dollars in thousands)

	Balance, beginning of year		$	10,950			$	9,316
	Advances			19,101				13,929
	Repayments			(20,049	)			(12,295	)
	Balance, end of year		$	10,002			$	10,950
Changes in allowance for loan losses and recorded investment in loans by segment	'

	Activity in the allowance for loan losses and recorded investment in loans by segment:

			Commercial				Residential				Construction				Commercial				Consumer			Total
			Real				Real				and				and				and Other
			Estate				Estate				Land				Industrial
			(dollars in thousands)

	Balance, January 1, 2013		$	2,744			$	3,251			$	978			$	1,724			$	364		$	9,061
	Add (deduct):
	Charge-offs			(276	)			(735	)			-				(810	)			(154	)		(1,975	)
	Recoveries			-				109				1				16				83			209
	Provision for loan losses			(388	)			546				250				1,239				13			1,660
	Balance, December 31, 2013		$	2,080			$	3,171			$	1,229			$	2,169			$	306		$	8,955

	Allowance:
	Ending balance: specific		$	316			$	120			$	-			$	-			$	-		$	436
	Ending balance: collective		$	1,764			$	3,051			$	1,229			$	2,169			$	306		$	8,519

	Loans:
	Ending balance: individually evaluated for impairment		$	4,456			$	2,939			$	3,829			$	135			$	59		$	11,418
	Ending balance: collectively evaluated for impairment		$	298,181			$	203,664			$	46,338			$	101,026			$	23,917		$	673,126

	Activity in the allowance for loan losses and recorded investment in loans by segment:

			Commercial				Residential				Construction				Commercial				Consumer and Other			Total
			Real				Real				and				and
			Estate				Estate				Land				Industrial
			(dollars in thousands)

	Balance, January 1, 2012		$	1,878			$	2,440			$	1,270			$	1,551			$	355		$	7,494
	Add (deduct):
	Charge-offs			(166	)			(498	)			(81	)			(208	)			(188	)		(1,141	)
	Recoveries			-				75				1				35				97			208
	Provision for loan losses			1,032				1,234				(212	)			346				100			2,500
	Balance, December 31, 2012		$	2,744			$	3,251			$	978			$	1,724			$	364		$	9,061

	Allowance:
	Ending balance: specific		$	429			$	1,294			$	304			$	206			$	68		$	2,301
	Ending balance: collective		$	2,315			$	1,957			$	674			$	1,518			$	296		$	6,760

	Loans:
	Ending balance: individually evaluated for impairment		$	4,938			$	4,596			$	3,881			$	1,149			$	120		$	14,684
	Ending balance: collectively evaluated for impairment		$	249,066			$	184,632			$	29,459			$	82,510			$	25,378		$	571,045
Impaired loans by class	'

	Impaired loans by class are presented below for 2013:

																			Interest
							Unpaid								Average				Income
			Recorded				Principal				Related				Recorded				Recognized
			Investment				Balance				Allowance				Investment				YTD 2013
			(dollars in thousands)
	Loans with no related allowance recorded
	Commercial real estate:
	Nonresidential		$	-			$	-			$	-			$	-			$	-
	Multifamily			-				-				-				-				-
	Farmland			-				-				-				-				-
	Construction and land			3,380				3,380				-				3,407				-
	Residential real estate:
	Mortgage loans, 1-4 family			1,438				2,085				-				1,937				-
	Home equity			-				-				-				-				-
	Consumer and other:
	Indirect auto loans			-				-				-				-				-
	Direct auto loans			-				-				-				-				-
	Other			-				-				-				-				-
	Commercial and industrial loans			-				-				-				-				-

	Loans with related allowance recorded
	Commercial real estate:
	Nonresidential		$	4,456			$	4,679			$	343			$	4,567			$	28
	Multifamily			-				-				-				-				-
	Farmland			-				-				-				-				-
	Construction and land			449				517				305				452				-
	Residential real estate:
	Mortgage loans, 1-4 family			1,501				1,733				696				1,559				22
	Home equity			-				-				-				-				-
	Consumer and other:
	Indirect auto loans			6				14				4				9				-
	Direct auto loans			18				32				12				22				-
	Other			35				46				31				40				1
	Commercial and industrial loans			135				255				104				260				3

	Total
	Commercial real estate		$	4,456			$	4,679			$	343			$	4,567			$	28
	Construction and land			3,829				3,897				305				3,859				-
	Residential real estate			2,939				3,818				696				3,496				22
	Consumer and other			59				92				47				71				1
	Commercial and industrial loans			135				255				104				260				3
	Total		$	11,418			$	12,741			$	1,495			$	12,253			$	54

	Impaired loans by class are presented below for 2012:

																			Interest
							Unpaid								Average				Income
			Recorded				Principal				Related				Recorded				Recognized
			Investment				Balance				Allowance				Investment				2012
			(dollars in thousands)
	Loans with no related allowance recorded
	Commercial real estate:
	Nonresidential		$	-			$	-			$	-			$	-			$	-
	Multifamily			-				-				-				-				-
	Farmland			-				-				-				-				-
	Construction and land			3,443				3,469				-				4,606				134
	Residential real estate:
	Mortgage loans, 1-4 family			535				553				-				324				19
	Home equity			-				-				-				-				-
	Consumer and other:
Indirect auto loans			-				-				-				-				-
Direct auto loans			-				-				-				-				-
Other			-				-				-				-				-
Commercial and industrial loans			877				878				-				769				11

Loans with related allowance recorded
Commercial real estate:
Nonresidential		$	4,938			$	5,195			$	429			$	4,975			$	101
Multifamily			-				-				-				-				-
Farmland			-				-				-				-				-
Construction and land			438				504				304				472				-
Residential real estate:
Mortgage loans, 1-4 family			3,782				4,061				1,054				4,414				52
Home equity			279				321				240				290				8
Consumer and other:
Indirect auto loans			30				43				-				35				1
Direct auto loans			23				36				16				28				0
Other			67				77				52				75				4
Commercial and industrial loans			272				278				206				282				13

Total
Commercial real estate		$	4,938			$	5,195			$	429			$	4,975			$	101
Construction and land			3,881				3,973				304				5,078				134
Residential real estate			4,596				4,935				1,294				5,028				60
Consumer and other			120				156				68				138				5
Commercial and industrial loans			1,149				1,156				206				1,051				24
Total		$	14,684			$	15,415			$	2,301			$	16,270			$	324
Analysis of the age of recorded investment in loans that are past due	'

	Below is an analysis of the age of recorded investment in loans that are past due as of December 31, 2013.

				30-59				60-89							Total
			Days				Days				Non-				Past							Total
			Past Due				Past Due				Accrual*				Due				Current			Loans
			(dollars in thousands)
	Commercial real estate:
	Nonresidential		$	-			$	-			$	4,456			$	4,456			$	252,111		$	256,567
	Multifamily			-				-				-				-				22,650			22,650
	Farmland			-				-				-				-				23,420			23,420
	Total commercial real estate loans			-				-				4,456				4,456				298,181			302,637

	Construction and land			163				-				1,849				2,012				48,155			50,167

	Residential real estate:
	Mortgage loans, 1-4 family			600				88				2,936				3,624				173,832			177,456
	Home equity			139				-				-				139				29,008			29,147
	Total residential real estate loans			739				88				2,936				3,763				202,840			206,603

	Consumer and other:
	Indirect auto loans			2				3				6				11				236			247
	Direct auto loans			2				-				18				20				6,620			6,640
	Other			4				-				34				38				17,051			17,089
	Total consumer and other loans			8				3				58				69				23,907			23,976

	Commercial and industrial loans			-				-				135				135				101,026			101,161
	Total		$	910			$	91			$	9,434			$	10,435			$	674,109		$	684,544

	*There were no accruing loans that were greater than 90 days past due at December 31, 2013.

	Below is an analysis of the age of recorded investment in loans that are past due as of December 31, 2012.

				30-59				60-89							Total
			Days				Days				Non				Past							Total
			Past Due				Past Due				Accrual*				Due				Current			Loans
			(dollars in thousands)
	Commercial real estate:
	Nonresidential		$	-			$	744			$	4,938			$	5,682			$	206,888		$	212,570
	Multifamily			-				-				-				-				21,293			21,293
	Farmland			-				-				-				-				20,141			20,141
	Total commercial real estate loans			-				744				4,938				5,682				248,322			254,004

	Construction and land			-				-				3,881				3,881				29,459			33,340

	Residential real estate:
	Mortgage loans, 1-4 family			1,233				-				4,475				5,708				156,175			161,883
	Home equity			50				-				114				164				27,181			27,345
	Total residential real estate loans			1,283				-				4,589				5,872				183,356			189,228

	Consumer and other:
	Indirect auto loans			5				5				30				40				1,264			1,304
	Direct auto loans			2				6				23				31				6,770			6,801
	Other			72				-				67				139				17,254			17,393
	Total consumer and other loans			79				11				120				210				25,288			25,498

	Commercial and industrial loans			14				-				1,149				1,163				82,495			83,659
	Total		$	1,376			$	755			$	14,677			$	16,808			$	568,920		$	585,729

	*There were no accruing loans that were greater than 90 days past due at December 31, 2012.
Troubled debt restructurings	'

	Troubled debt restructurings for the periods ended:


			31-Dec-13
							Recorded
			Number				Investment
			of Modifications				Prior to Modifications				Recorded Investment


	Commercial real estate			3			$	3,036			$	2,878
	Residential real estate			5				7,268				1,488
	Construction and land			2				3,574				3,380
	Commercial and industrial loans			-				-				-
	Consumer and other			-				-				-
	Total			10			$	13,878			$	7,746

		31-Dec-12
							Recorded
		Number					Investment
		of Modifications					Prior to Modifications				Recorded Investment
		(dollars in thousands)

	Commercial real estate			3			$	1,071			$	997
	Residential real estate			5				7,268				2,409
	Construction and land			1				3,574				3,443
	Commercial and industrial loans			1				17				14
	Consumer and other			-				-				-
	Total			10			$	11,930			$	6,863

	Troubled debt restructuring modifications that subsequently defaulted for the periods ended:

		31-Dec-13
		Number
		of				Recorded Investment
		Modifications				Recorded Investment
		(dollars in thousands)
	Commercial real estate			3			$	2,878
	Residential real estate			4				1,485
	Construction and land			1				1,400
	Commercial and industrial loans			-				-
	Consumer and other			-				-
	Total			8			$	5,763

		31-Dec-12
		Number
		of					Recorded Investment
		Modifications					Recorded Investment
		(dollars in thousands)

	Commercial real estate			3			$	997
	Residential real estate			4				2,402
	Construction and land			1				3,443
	Commercial and industrial loans			1				14
	Consumer and other			-				-
	Total			9			$	6,856
Schedule of asset grading system	'

	A summary of the asset grading system is as follows:

	Risk Rating	Numerical	Description	Regulatory Classification
	Risk Rating	Rating	Description	Regulatory Classification
	Pass	1	Exceptional/Highest Quality	N/A
	Pass	2	Excellent/High Quality	N/A
	Pass	3	Strong/Above Average	N/A
	Pass	4	Good/Average	N/A
	Pass	5	Acceptable with more than average risk	N/A
	Special Mention	6	Special Mention Loans	Criticized
	Special Mention - Elevated risk	7	Special Mention Loans with added risk exposure	Criticized
	Substandard	8	Substandard/Inadequately Protected	Classified
	Impaired Loans	9	Nonaccrual Loans	Classified
	Doubtful	10	Doubtful	Classified
	Loss	11	Loss	Classified
Credit quality indicators by class	'

	Credit quality indicators for loans by class are presented below for December 31, 2013 and December 31, 2012.


			As of December 31, 2013
															Construction
			Non-												and
			Residential				Multifamily				Farmland				Land
			(dollars in thousands)
	Commercial Real Estate Credit Exposure
	Pass 1		$	-			$	-			$	-			$	-
	Pass 2			-				-				-				60
	Pass 3			58,386				360				5,762				2,299
	Pass 4			171,496				22,252				16,999				24,902
	Pass 5			17,804				-				297				18,381
	Special Mention 6			1,087				38				301				-
	Special Mention Elevated 7			131				-				-				696
	Substandard 8			3,207				-				61				1,980
	Impaired Loans 9			4,456				-				-				1,849
	Doubtful 10			-				-				-				-
	Loss 11			-				-				-				-
	Total		$	256,567			$	22,650			$	23,420			$	50,167

			As of December 31, 2012
															Construction
			Non-												and
			Residential				Multifamily				Farmland				Land
			(dollars in thousands)
	Commercial Real Estate Credit Exposure
	Pass 1		$	-			$	-			$	-			$	-
	Pass 2			-				-				-				68
	Pass 3			63,944				3,820				6,459				7,202
	Pass 4			135,189				15,214				12,258				16,732
	Pass 5			4,711				41				1,275				5,332
	Special Mention 6			907				-				-				-
	Special Mention Elevated 7			-				1,707				-				-
	Substandard 8			2,881				511				149				125
	Impaired Loans 9			4,938				-				-				3,881
	Doubtful 10			-				-				-				-
	Loss 11			-				-				-				-
	Total		$	212,570			$	21,293			$	20,141			$	33,340

			As of
			31-Dec-13
			Commercial
			and Industrial
			(dollars in thousands)
	Commercial and Industrial Credit Exposure
	Pass 1		$	1,325
	Pass 2			432
	Pass 3			24,344
	Pass 4			64,653
	Pass 5			9,757
	Special Mention 6			208
	Special Mention Elevated 7			239
	Substandard 8			68
	Impaired Loans 9			135
	Doubtful 10			-
	Loss 11			-
	Total		$	101,161

			As of
			31-Dec-12
		Commercial
		and Industrial
		(dollars in thousands)
Commercial and Industrial Credit Exposure
Pass 1		$	1,194
Pass 2			366
Pass 3			29,447
Pass 4			46,916
Pass 5			3,781
Special Mention 6			86
Special Mention Elevated 7			6
Substandard 8			713
Impaired Loans 9			1,150
Doubtful 10			-
Loss 11			-
Total		$	83,659

		As of December 31, 2013
		Mortgage				Home Equity
		(dollars in thousands)
Residential Real Estate Credit Exposure
Pass 1-5		$	171,349			$	29,147
Special Mention 6			460				-
Special Mention Elevated 7			-				-
Substandard 8			2,711				-
Impaired Loans 9			2,936				-
Doubtful 10			-				-
Loss 11			-				-
Total		$	177,456			$	29,147

		As of December 31, 2012
		Mortgage				Home Equity
		(dollars in thousands)
Residential Real Estate Credit Exposure
Pass 1-5		$	154,067			$	26,922
Special Mention 6			357				-
Special Mention Elevated 7			-				-
Substandard 8			3,202				144
Impaired Loans 9			4,257				279
Doubtful 10			-				-
Loss 11			-				-
Total		$	161,883			$	27,345

		As of December 31, 2013
		Indirect				Direct
		Auto				Auto				Other
		(dollars in thousands)
Consumer and Other Credit Exposure
Pass 1-5		$	241			$	6,622			$	17,042
Special Mention 6			-				-				-
Special Mention Elevated 7			-				-				-
Substandard 8			-				-				12
Impaired Loans 9			6				18				35
Doubtful 10			-				-				-
Loss 11			-				-				-
Total		$	247			$	6,640			$	17,089

		As of December 31, 2012
		Indirect				Direct
		Auto				Auto				Other
		(dollars in thousands)
Consumer and Other Credit Exposure
Pass 1-5		$	1,252			$	6,778			$	17,280
Special Mention 6			-				-				-
Special Mention Elevated 7			-				-				1
Substandard 8			22				-				45
Impaired Loans 9			30				23				67
Doubtful 10			-				-				-
Loss 11			-				-				-
Total		$	1,304			$	6,801			$	17,393

FDIC_ACQUIRED_LOANS_AND_ALLOWA1

FDIC ACQUIRED LOANS AND ALLOWANCE FOR LOAN LOSSES (Tables)	12 Months Ended
FDIC ACQUIRED LOANS AND ALLOWANCE FOR LOAN LOSSES (Tables)	Dec. 31, 2013
FDIC ACQUIRED LOANS AND ALLOWANCE FOR LOAN LOSSES [Abstract]	'
Fair value of loans covered and not covered under loss share agreement	'
	The following tables detail the fair value of loans covered and not covered under loss-share agreements accounted under ASC 310-30.

	Loans not covered by loss-sharing agreements:		December 31,			December 31,
			2013			2012
			(dollars in thousands)
	Commercial real estate		$	22,268		$	6,359
	Residential real estate			30,134			2,110
	Construction and land			5,156			494
	Commercial and industrial			2,604			1,574
	Consumer and other			3,156			1,313
			$	63,318		$	11,850

	Loans covered by loss-sharing agreements:		December 31,			December 31,
			2013			2012
			(dollars in thousands)
	Commercial real estate		$	14,161		$	21,820
	Residential real estate			23,886			32,846
	Construction and land			11,642			14,248
	Commercial and industrial			864			2,670
	Consumer and other			338			841
			$	50,891		$	72,425
Loss sharing agreement expirations	'
	The following table presents the loss-sharing agreement expirations:

	Acquisition	Non-single Family Expiration	Single Family Expiration
	Citizens	February, 2016	February, 2021
	First Southern	August, 2016	August, 2021
Loans receivable reclassification from balance reported	'

	The following table represents the loans receivable as of December 31, 2013 and reflects reclassifications from the balances reported at December 31, 2012:

			Acquired Loans Without Specific Evidence of Deterioration in Credit Quality			Acquired Loans With Specific Evidence of Deterioration in Credit Quality			Total Loans Acquired
			(dollars in thousands)
	Contractually required principal and interest		$	179,582		$	24,113		$	203,695
	Non-accretable difference			(27,937	)		(8,808	)		(36,745	)
	Cash flows expected to be collected			151,645			15,305			166,950
	Accretable yield			(47,599	)		(5,142	)		(52,741	)
	Basis in acquired loans		$	104,046		$	10,163		$	114,209
Changes in the accretable yields of acquired loans	'

	The following table is a summary of changes in the accretable yields of acquired loans since December 31, 2011 and reflect refinements to the Company's initial estimate:

	(dollars in thousands)		Accretable Yield

	Balance at December 31, 2011		$	31,096
	Additions			-
	Reclassification from non-accretable difference			22,349
	Accretion included in interest income			(23,251	)
	Adjustments to estimates of expected cash flows			(1,312	)
	Balance at December 31, 2012		$	28,882
	Additions			22,707
	Reclassification from non-accretable difference			12,620
	Accretion included in interest income			(29,459	)
	Adjustments to estimates of expected cash flows			17,991
	Balance at December 31, 2013		$	52,741
Allowance for loan losses for FDIC	'

	The following is a summary of the allowance for loan losses for the FDIC-acquired loans for 2013:

			Commercial			Residential			Construction			Commercial			Consumer			Total
			Real			Real			and			and			and
			Estate			Estate			Land			Industrial			Other
			(dollars in thousands)
				-			-
	Balance, January 1, 2013		$	-		$	-		$	-		$	-		$	-		$	-
	Add (deduct):
	Charge-offs			-			(2	)		(38	)		(35	)		-			(75	)
	Recoveries			-			-			-			-			-			-
	Provision for loan losses - non-covered			-			-			-			-			-			-
	Provision for loan losses - covered			-			2			38			35			-			75
	Balance, September 30, 2013		$	-		$	-		$	-		$	-		$	-		$	-

	Allowance:
	Ending balance: specific		$	-		$	-		$	-		$	-		$	-		$	-
	Ending balance: collective		$	-		$	-		$	-		$	-		$	-		$	-

	Loans:
	Ending balance: individually evaluated for impairment		$	13,425		$	4,543		$	5,994		$	114		$	1,706		$	25,782
	Ending balance: collectively evaluated for impairment		$	23,004		$	49,477		$	10,804		$	3,354		$	1,788		$	88,427

	The following is a summary of the allowance for loan losses for the FDIC-acquired loans for 2012:

			Commercial			Residential			Construction			Commercial			Consumer			Total
			Real			Real			and			and			and
			Estate			Estate			Land			Industrial			Other
			(dollars in thousands)
				-			-
	Balance, January 1, 2012		$	-		$	-		$	-		$	-		$	-		$	-
	Add (deduct):
	Charge-offs			(1,114	)		(951	)		(907	)		(433	)		(26	)		(3,431	)
	Recoveries			-			-			-			-			-			-
	Provision for loan losses – non-covered			-			-			-			-			12			12
	Provision for loan losses - covered			1,114			951			907			433			14			3,419
	Balance, December 31, 2012		$	-		$	-		$	-		$	-		$	-		$	-

	Allowance:
	Ending balance: specific		$	-		$	-		$	-		$	-		$	-		$	-
	Ending balance: collective		$	-		$	-		$	-		$	-		$	-		$	-

	Loans:
	Ending balance: individually evaluated for impairment		$	8,149		$	3,562		$	6,573		$	153		$	46		$	18,483
	Ending balance: collectively evaluated for impairment		$	20,030		$	31,394		$	8,169		$	4,091		$	2,108		$	65,792

FDIC_LOSS_SHARE_RECEIVABLE_Tab

FDIC LOSS SHARE RECEIVABLE (Tables)	12 Months Ended
FDIC LOSS SHARE RECEIVABLE (Tables)	Dec. 31, 2013
FDIC LOSS SHARE RECEIVABLE [Abstract]	'
Changes in loss-share receivable from FDIC	'

	The following tables provide details of changes in the loss-share receivable from the FDIC for the periods indicated.

	For the period ended December 31, 2013:
		(dollars in thousands)
	Balance, December 31, 2012	$	60,731
	Clawback liability reclassified from asset		703
	Decrease in expected losses on covered assets		(631	)
	Accretion included in noninterest income		(9,293	)
	Reimbursements from the FDIC		(10,204	)
	Balance, September 30, 2013	$	41,306

	For the year ended December 31, 2012:
		(dollars in thousands)
	Balance, December 31, 2011	$	83,901
	Decrease in expected losses on covered assets		(1,042	)
	Accretion included in noninterest income		(5,028	)
	Reimbursements from the FDIC		(17,100	)
	Balance, December 31, 2012	$	60,731

OTHER_REAL_ESTATE_OWNED_OREO_T

OTHER REAL ESTATE OWNED (OREO) (Tables)	12 Months Ended
OTHER REAL ESTATE OWNED (OREO) (Tables)	Dec. 31, 2013
OTHER REAL ESTATE OWNED (OREO) [Abstract]	'
Summary of information pertaining to other real estate (OREO)	'

	The following table provides a summary of information pertaining to other real estate owned ("OREO") for periods ended December 31, 2013 and December 31, 2012.

		OREO			Covered			Total
		OREO			OREO			Total
		(dollars in thousands)
	Balance, December 31, 2012	$	3,242		$	9,467		$	12,709
	Acquired in Frontier acquisition		786			-			786
	Additions		2,430			4,873			7,303
	Sales		(2,611	)		(6,571	)		(9,182	)
	Writedowns		(365	)		(716	)		(1,081	)
	Balance, December 31, 2013	$	3,482		$	7,053		$	10,535

		OREO			Covered			Total
		OREO			OREO			Total
		(dollars in thousands)
	Balance, December 31, 2011	$	3,362		$	10,047		$	13,409
	Additions		2,695			8,152			10,847
	Sales		(2,366	)		(7,969	)		(10,335	)
	Writedowns		(449	)		(763	)		(1,212	)
	Balance, December 31, 2012	$	3,242		$	9,467		$	12,709

FAIR_VALUE_MEASUREMENTS_Tables

FAIR VALUE MEASUREMENTS (Tables)	12 Months Ended
FAIR VALUE MEASUREMENTS (Tables)	Dec. 31, 2013
FAIR VALUE MEASUREMENTS [Abstract]	'
Assets measured at fair value on a recurring basis	'

	The following tables present financial assets measured at fair value at December 31, 2013 and December 31, 2012, on a recurring basis and the change in fair value for those specific financial instruments in which fair value has been elected. The changes in the fair value of economic hedges were also recorded in mortgage banking activities and are designed to partially offset the change in fair value of the mortgage loans held for sale and interest rate lock commitments referenced in the following tables.


			Recurring Fair Value Measurements at
			31-Dec-13
			Total			Level 1				Level 2			Level 3
			Carrying Value			Level 1				Level 2			Level 3
			(dollars in thousands)
	Assets
	Available for sale investment securities:
	U.S. Government sponsored agencies (GSEs)		$	53,572		$	-			$	53,572		$	-
	State and municipal securities			50,814			-				50,814			-
	GSE residential mortgage-backed securities			189,269			-				189,269			-
	Equity securities			644			439				205			-
	Total available for sale investment securities			294,299			439				293,860			-
	Mortgage loans held for sale			110,669			-				110,669			-
	Interest rate swap – cash flow hedge			2,350			-				2,350			-
	Other assets⁽¹⁾			1,762			-				-			1,762
	Total assets at fair value		$	409,080		$	439			$	406,879		$	1,762

	Liabilities
	Total liabilities at fair value		$	-		$	-			$	-		$	-

	-1	This amount includes mortgage related interest rate lock commitments and derivative financial instruments to hedge interest rate risk. Interest rate lock commitments were recorded on a gross basis.

			Recurring Fair Value Measurements at
			31-Dec-12
			Total Carrying Value			Level 1				Level 2			Level 3
			(dollars in thousands)
	Assets
	Available for sale investment securities:
	U.S. Government sponsored agencies (GSEs)		$	21,019		$	-			$	21,019		$	-
	State and municipal securities			41,573			-				41,573			-
	Corporate debt securities			1,020			-				1,020			-
	GSE residential mortgage-backed securities			157,497			-				157,497			-
	Equity securities			297			93				204			-
	Total available for sale investment securities			221,406			93				221,313			-
	Mortgage loans held for sale			15,608			-				15,608			-
	Other assets⁽¹⁾			287			-				-			287
	Total assets at fair value		$	237,301		$	93			$	236,921		$	287

	Liabilities
	Interest rate swap – cash flow hedge		$	2,158		$	-			$	2,158		$	-
	Total liabilities at fair value		$	2,158		$	-			$	2,158		$	-

	-1	This amount includes mortgage related interest rate lock commitments and derivative financial instruments to hedge interest rate risk. Interest rate lock commitments were recorded on a gross basis.
Assets and liabilities measured at fair value on a recurring basis using significant unobservable inputs (level 3)	'

	The following tables present a reconciliation of all assets and liabilities measured at fair value on a recurring basis using significant unobservable inputs (level 3) during the years ending December 31, 2013 and 2012. There were no transfers into or out of Level 3. There were no transfers between Level 1 and Level 2 during these periods.

	Year ended December 31, 2013:		Other
	Year ended December 31, 2013:		Assets⁽¹⁾
			(dollars in thousands)
	Beginning balance, December 31, 2012		$	287
	Total gains (losses) included in earnings:⁽²⁾
	Mortgage IRLCs			266
	Mortgage securities forward commitments			1,209
	Ending balance, December 31, 2013⁽³⁾		$	1,762

	Year ended December 31, 2012:		Other
	Year ended December 31, 2012:		Assets⁽¹⁾
			(dollars in thousands)
	Beginning balance, December 31, 2011		$	-
	Total gains (losses) included in earnings:⁽²⁾
	Mortgage IRLCs			285
	Mortgage securities forward commitments			2
	Ending balance, December 31, 2012⁽³⁾		$	287

	-1	Includes mortgage related IRLCs and derivative financial instruments entered into to hedge interest rate risk.
	-2	Amounts included in earnings are recorded in mortgage banking activities.
	-3	Represents the amount included in earnings attributable to the changes in unrealized gains/losses relating to IRLCs and derivatives still held at period end.
Fair value measured on recurring basis, gain (loss) included in earnings	'

	The model incorporates assumptions that market participants use in estimating future net servicing income, including estimates of prepayment speeds, market discount rates, cost to service, float earnings rates, and other ancillary income, including late fees.


			For Items Measured at Fair Value Pursuant to Election of the Fair Value Option: Fair Value Gain related to Mortgage Banking Activities
			Twelve Months Ended
			31-Dec-13		31-Dec-12
			(dollars in thousands)
	Mortgage loans held for sale		$	2,620	$	618

Aggregate fair value and the aggregate unpaid principal balance of loans held-for-sale for which the fair value option	'

	The following tables present the difference between the aggregate fair value and the aggregate unpaid principal balance of loans held for sale including escrow for which the fair value option ("FVO") has been elected as of December 31, 2013 and December 31, 2012.

		31-Dec-13
		Aggregate Fair Value			Aggregate Unpaid Principal Balance with Escrow Under FVO				Fair Value Under Unpaid Principal

	Loans held for sale		$	110,669		$	109,524			$	1,145

		31-Dec-12
		Aggregate Fair Value			Aggregate Unpaid Principal Balance with Escrow Under FVO				Fair Value Over Unpaid Principal

	Loans held for sale		$	15,608		$	15,277			$	331
Assets measured on a nonrecurring basis	'

	The following table summarizes financial assets measured at fair value on a non-recurring basis:

		Non-Recurring Fair Value Measurements at
		31-Dec-13
		Total Carrying Value			Level 1				Level 2			Level 3
		(dollars in thousands)
	Assets
	Impaired Loans⁽¹⁾		$	11,418		$	-			$	-		$	11,418
	OREO			3,482			-				-			3,482
	Covered OREO			7,053			-				-			7,053
	Mortgage servicing rights (MSR)			202			-				-			202
	Total		$	22,155		$	-			$	-		$	22,155

		Non Recurring Fair Value Measurements at
		31-Dec-12
		Total Carrying Value			Level 1				Level 2			Level 3
		(dollars in thousands)
	Assets
	Impaired Loans⁽¹⁾		$	14,684		$	-			$	-		$	14,684
	OREO			3,242			-				-			3,242
	Covered OREO			9,467			-				-			9,467
	Total		$	27,393		$	-			$	-		$	27,393

	(1) Amounts represent the fair value of collateral for impaired loans allocated to the allowance for loan and lease losses. Fair values are determined using independent third party valuations and borrower records, discounted as appropriate (Level 3).
Quantitative information about Level 3 fair value measurements	'

	The following table presents quantitative information about financial and nonfinancial assets measured at fair value on a non-recurring basis using Level 3 valuation inputs:

	Quantitative Information about Level 3 Fair Value Measurements:


	(dollars in thousands)		Fair Value at		Valuation Technique	Unobservable		Range
	(dollars in thousands)		31-Dec-13		Valuation Technique	Input		(Weighted Average)
	Impaired loans		$	11,418	Discounted appraisals ⁽¹⁾	Appraisal adjustments ⁽²⁾		0% to 100% (73%)
	OREO			3,482	Discounted appraisals ⁽¹⁾	Appraisal adjustments ⁽²⁾		0% to 100% (77%)
	Covered OREO			7,053	Discounted appraisals ⁽¹⁾	Appraisal adjustments ⁽²⁾		0% to 100% (67%)
	MSR			202	Discounted cash flows	Discount rate			10	%
						Prepayment Speeds			9	%

	(1)Fair value is generally based on appraisals of the underlying collateral.
	(2)Appraisals may be adjusted by management for customized discounting criteria, estimated sales costs, and proprietary qualitative adjustments such as historical loss experience on the type of collateral.
Carrying amount and estimated fair value of financial instruments	'

	The following tables present the assets that are measured at fair value on a non-recurring basis by level within the fair value hierarchy as reported on the consolidated statements of financial position.

			Carrying			Fair Value Measurements at
			Carrying			31-Dec-13
			Value			Total Fair Value				Level 1			Level 2		Level 3
						(dollars in thousands)
	Assets
	Cash and short-term investments		$	38,183		$	38,183			$	38,183		$	-	$	-
	Other investments			8,352			8,352				-			-		8,352
	Loans,excluding covered loans			747,862			759,668				-			-		759,668
	Covered loans			50,891			50,891				-			-		50,891
	FDIC loss-share receivable			41,306			41,306							-		41,306
	Total assets at fair value		$	886,594		$	898,400			$	38,183		$	-	$	860,217

	Liabilities
	Deposits		$	1,076,421		$	1,066,943			$	-		$	-	$	1,066,943
	Federal funds purchased and securities sold under repurchase agreements			37,648			39,661				-			-		39,661
	Other borrowings			131,399			122,937				-			-		122,937
	Total liabilities at fair value		$	1,245,468		$	1,229,541			$	-		$	-	$	1,229,541

			Carrying			Fair Value Measurements at
			Carrying			31-Dec-12
			Value			Total Fair Value				Level 1			Level 2		Level 3
						(dollars in thousands)
	Assets
	Cash and short-term investments		$	43,692		$	43,692			$	43,692		$	-	$	-
	Other investments			5,340			5,340				-			-		5,340
	Loans,excluding covered loans			597,579			607,018				-			-		607,018
	Covered loans			72,425			72,425				-			-		72,425
	FDIC loss-share receivable			60,731			60,731							-		60,731
	Total assets at fair value		$	779,767		$	789,206			$	43,692		$	-	$	745,514

	Liabilities
	Deposits		$	869,554			862,726			$	-		$	-	$	862,726
	Federal funds purchased and securities sold under repurchase agreements			33,219			32,812				-			-		32,812
	Other borrowings			60,000			63,985				-			-		63,985
	Total liabilities at fair value		$	962,773		$	959,523			$	-		$	-	$	959,523

DERIVATIVE_FINANCIAL_INSTRUMEN1

DERIVATIVE FINANCIAL INSTRUMENTS (Tables)	12 Months Ended
	Dec. 31, 2013
DERIVATIVE FINANCIAL INSTRUMENTS [Abstract]	'
Schedule of notional amounts of outstanding derivative positions	'

	The Company's derivative positions were as follows:

		Contract Amount
		December 31,		December 31,
		2013		2012
		(dollars in thousands)
	Mortgage-backed securities forward Commitments		128,000		13,500
	Mandatory loan sale commitments		-		-
	Best efforts sale commitments		19,418		18,366
	Total commitments		147,418		49,107

SEGMENT_INFORMATION_Tables

SEGMENT INFORMATION (Tables)	12 Months Ended
SEGMENT INFORMATION (Tables)	Dec. 31, 2013
SEGMENT INFORMATION [Abstract]	'
Schedule of information reported internally for performance assessment	'
	Transactions among segments are made at fair value. Information reported internally for performance assessment follows:

	Year ended December 31, 2013	Bank		Mortgage			Holding Company			Totals
	Year ended December 31, 2013	Bank		Banking			Holding Company			Totals

		(dollars in thousands)
	Net interest income	$	57,803	$	463		$	-		$	58,266
	Provision for loan losses		1,735		-			-			1,735
	Noninterest income		7,876		10,509			29			18,414
	Noninterest expense		46,409		11,563			979			58,951
	Income tax expense (benefit)		5,219		(183	)		(357	)		4,679
	Segment profit (loss)	$	12,316	$	(408	)	$	(593	)	$	11,315
	Segment assets at December 31, 2013	$	1,246,044	$	120,716		$	14,165		$	1,380,925

	Year ended December 31, 2012	Bank		Mortgage			Holding Company			Totals
	Year ended December 31, 2012	Bank		Banking			Holding Company			Totals

		(dollars in thousands)
	Net interest income	$	46,942	$	183		$	-		$	47,125
	Provision for loan losses		5,930		-			-			5,930
	Noninterest income		8,847		5,542			10			14,399
	Noninterest expense		39,870		5,352			1,030			46,252
	Income tax expense (benefit)		2,825		116			(356	)		2,585
	Segment profit (loss)	$	7,164	$	257		$	(664	)	$	6,757
	Segment assets at December 31, 2012	$	1,064,394	$	16,382		$	16,730		$	1,097,506

	Year ended December 31, 2011	Bank		Mortgage			Holding Company			Totals
	Year ended December 31, 2011	Bank		Banking			Holding Company			Totals

		(dollars in thousands)
	Net interest income	$	28,941	$	158		$	-		$	29,099
	Provision for loan losses		2,895		-			-			2,895
	Noninterest income		15,153		2,299			15			17,467
	Noninterest expense		34,619		3,210			917			38,746
	Income tax expense (benefit)		1,479		(23	)		(356	)		1,100
	Segment profit (loss)	$	5,101	$	(730	)	$	(546	)	$	3,825
	Segment assets at December 31, 2011	$	1,057,442	$	7,789		$	24,621		$	1,089,852

ACQUISITION_ACTIVITY_Tables

ACQUISITION ACTIVITY (Tables)	12 Months Ended
ACQUISITION ACTIVITY (Tables)	Dec. 31, 2013
Single Branch of AB&T National Bank [Member]	'
Business Acquisition [Line Items]	'
Fair values of assets acquired and liabilities assumed in conjunction with the acquisition	'

	On June 30, 2012, the Company completed an acquisition of a single branch of AB&T National Bank located in Auburn, Alabama. The following table summarizes the estimated fair value of the assets acquired and liabilities assumed at the date of acquisition:

		Acquired			Fair Value			As Recorded
					and Other			by Heritage
					Adjustments			Financial
								Group
	Assets	(dollars in thousands)
	Cash and cash equivalents	$	146		$	5,685	(a)	$	5,831
	Premises and equipment		1,741			-			1,741
	Loans		10,890			-117	(b)		10,773
	Core deposit intangibles		-			168	(c)		168
	Other assets		43			-			43
	Total Assets	$	12,820		$	5,736	(e)	$	18,556

	Liabilities
	Noninterest-bearing deposits	$	1,636		$	-		$	1,636
	Interest-bearing deposits		16,810			50	(d)		16,860
	Other liabilities		26			-			26
	Total Liabilities	$	18,472		$	50	(e) (e)	$	18,522

	Explanations

	(h)	The adjustment represents the cash received from AB&T to reflect the acquisition of excess liabilities assumed over assets purchased.
	(i)	The adjustment represents the adjustment to fair market value of the loans assumed in the transaction.
	(j)	The adjustment represents the consideration paid for the value of the core deposit base assumed in the acquisition. The core deposit asset was recorded as an identifiable intangible asset and will be amortized on an accelerated basis over the average life of the deposit base, estimated to be ten years.
	(k)	The adjustment is necessary because the weighted average interest rate of the CD's acquired exceeded the cost of similar funding at the time of acquisition. The fair value adjustment will be amortized to reduce interest expense on a declining basis over the average life of the portfolio.
	(l)	The difference in total assumed assets and liabilities represents the $34,000 bargain purchase gain recognized in the second quarter 2012.
Citizen Bank of Effingham [Member]	'
Business Acquisition [Line Items]	'
Fair values of assets acquired and liabilities assumed in conjunction with the acquisition	'

	The fair values of the assets acquired and liabilities assumed in conjunction with the Acquisition as of the Closing Date are detailed in the following table (dollars in thousands):

			February 18,				Average			Effective
			2011				Maturity			Yield /
							(Years)			Cost
	Assets Acquired:
	Cash and due from banks		$	33,900
	Securities available for sale			13,386				4.2			1.49	%
	Loans			72,720				1.34			4.53	%
	Other real estate owned			7,540
	Estimated reimbursement from the FDIC			58,164
	Core deposit intangible			1,895
	Other assets			2,245
	Total assets acquired			189,850
	Cash paid to settle the acquisition			24,000
	Fair value of assets acquired			213,850
	Liabilities Assumed:
	Deposits			206,276				1.26			1.58	%
	Other liabilities			6,174
	Fair value of liabilities assumed			212,450

	Net Assets Acquired / Gained from Acquisition		$	1,400
Assets covered by the loss-sharing agreements	'
	The following table summarizes the assets covered by the loss-sharing agreements, under the Single Family "SF" and Non-Single Family "Non-SF" certificates, and the amount covered by the FDIC and the estimated fair values (dollars in thousands):

			Amounts				Fair			SF			Non-SF
			Covered				Value			Certificate			Certificate
										(10 Years for			(5 Years for
										Losses)			Losses)

	Loans		$	131,256			$	66,671		$	22,744		$	108,512
	OREO			21,663				7,540			-			21,663
	Total		$	152,919			$	74,211		$	22,744		$	130,175
Information regarding the loan portfolio acquired	'
	The following table presents information regarding the loan portfolio acquired on February 18, 2011 at fair value (dollars in thousands):

			Loans With				Loans			Total Loans,
			Deterioration				Without A			at
			of Credit				Deterioration			Fair
			Quality				of Credit			Value
							Quality

	Construction and land		$	5,641			$	7,454		$	13,095
	Farmland			1,272				2,362			3,634
	Residential real estate			3,804				14,936			18,740
	Commercial real estate			4,635				15,551			20,186
	Commercial and industrial			1,787				11,643			13,430
	Consumer			31				3,604			3,635
			$	17,170			$	55,550		$	72,720
Purchased loans accounted for under ASC Topic 310-30	'
	The following table presents purchased loans accounted for under ASC Topic 310-30 as of the Closing Date:

	18-Feb-11
	(dollars in thousands)

	Contractually-required principal and interest		$	172,568
	Non-accretable difference			(63,694	)
	Cash flows expected to be collected			108,874
	Accretable yield			(36,154	)
	Fair value of loans accounted for under ASC 310-30		$	72,720
First Southern National Bank [Member]	'
Business Acquisition [Line Items]	'
Fair values of assets acquired and liabilities assumed in conjunction with the acquisition	'

	The fair values of the assets acquired and liabilities assumed in conjunction with the First Southern Acquisition as of the Closing Date are detailed in the following table (dollars in thousands):

			August 19,				Average			Effective
			2011				maturity			Yield /
							(years)			Cost
	Assets Acquired:
	Cash and due from banks		$	6,264
	Securities available for sale			22,295				9.32			3.29	%
	Loans			68,084				6.25			5.38	%
	Other real estate owned and foreclosed assets			4,669
	Estimated reimbursement from the FDIC			30,464
	Core deposit intangible			850
	Other assets			3,694
	Total assets acquired			136,320
	Cash paid to settle the acquisition			3,540
	Fair value of assets acquired			139,860
	Liabilities Assumed:
	Deposits			137,212				0.7			1.08	%
	Other liabilities			1,448
	Fair value of liabilities assumed			138,660
	Net Assets Acquired / Gained from Acquisition		$	1,200
Assets covered by the loss-sharing agreements	'
	The following table summarizes the assets covered by the loss-sharing agreements, under the Single Family "SF" and Non-Single Family "Non-SF" certificates, and the amount covered by the FDIC and the estimated fair values (dollars in thousands).

			Amounts				Fair			SF			Non-SF
			Covered				Value			Certificate			Certificate
										(10 Years for			(5 Years for
										Losses)			Losses)

	Loans		$	99,197			$	68,084		$	20,651		$	78,546
	OREO			8,645				4,669			7,080			1,565
	Total		$	107,842			$	72,753		$	27,731		$	80,111
Information regarding the loan portfolio acquired	'
	The following table presents information regarding the loan portfolio acquired on August 19, 2011 at fair value (dollars in thousands):
			Loans with				Loans			Total loans,
			deterioration				without			at fair value
			of credit				deterioration
			quality				of credit
							quality
	Construction and land		$	4,888			$	3,604		$	8,492
	Farmland			-				4,709			4,709
	Residential real estate			2,058				26,302			28,360
	Commercial real estate			2,517				9,814			12,331
	Commercial and industrial			76				8,897			8,973
	Consumer			44				5,175			5,219
			$	9,583			$	58,501		$	68,084
Purchased loans accounted for under ASC Topic 310-30	'
	The following table presents purchased loans accounted for under ASC Topic 310-30 as of the Closing Date:
	19-Aug-11
	(dollars in thousands)
	Contractually-required principal and interest		$	127,042
	Non-accretable difference			(36,994	)
	Cash flows expected to be collected		$	90,048
	Accretable yield			(21,964	)
	Fair value of loans accounted for under ASC 310-30		$	68,084
Frontier Bank [Member]	'
Business Acquisition [Line Items]	'
Fair values of assets acquired and liabilities assumed in conjunction with the acquisition	'

	The fair values of the assets acquired and liabilities assumed in conjunction with the acquisition as of the closing date are detailed in the following table:

		Acquired			Fair Value			As Recorded
					and Other			by the Company
					Adjustments
	Assets	(dollars in thousands)
	Cash and cash equivalents	$	55,660		$	97,519	(a)	$	153,179
	Securities available to sale		22,241			-			22,241
	FHLB and other bank stock		1,897			-			1,897
	Loans		98,041			-24,715	(b)		73,326
	Other real estate owned		1,620			-834	(c)		786
	Core deposit intangible		-			625	(d)		625
	Other assets		1,788			-			1,788
	Total assets	$	181,247		$	72,595		$	253,842

	Liabilities
	Noninterest-bearing deposits	$	23,683		$	-		$	23,683
	Interest-bearing deposits		187,896			507	(e)		188,403
	Other borrowings		32,068			5,210	(f)		37,278
	Deferred tax liability		-			1,675	(g)		1,675
	Other liabilities		289			-			289
	Total Liabilities	$	243,936		$	7,392		$	251,328
	Liabilities assumed over assets acquired	$	62,689
	Aggregate fair value adjustments				$	65,203
	Gain on acquisition, net of tax							$	2,514

	Explanations

	(a)	The adjustment represents the cash received from the FDIC to reflect the acquisition of excess liabilities assumed over assets acquired and the asset purchase discount.
	(b)	The adjustment reflects fair value adjustments based on the evaluation of the acquired loan portfolio. The fair value adjustment includes adjustments for estimated credit losses, liquidity and servicing costs.
	(c)	The adjustment represents the estimated credit losses in the acquired other real estate owned.
	(d)	The adjustment represents the consideration paid for the value of the core deposit base assumed in the acquisition. The core deposit asset was recorded as an identifiable intangible asset and will be amortized on an accelerated basis over the average life of the deposit base, estimated to be ten years.
	(e)	The adjustment is necessary because the weighted average interest rate of the CD's acquired exceeded the cost of similar funding at the time of acquisition. The fair value adjustment will be amortized to reduce interest expense on a declining basis over the average life of the portfolio.
	(f)	The adjustment is necessary because the weighted average interest rate of the other borrowings assumed exceeded the cost of similar funding at the time of acquisition. The fair value adjustment will be amortized to reduce interest expense on a declining basis over the average life of the borrowings.
	(g)	The amount respresents the deferred tax liability recorded as a result of the recorded gain on acquisition.

ACCRUED_INTEREST_RECEIVABLE_Ta

ACCRUED INTEREST RECEIVABLE (Tables)	12 Months Ended
ACCRUED INTEREST RECEIVABLE (Tables)	Dec. 31, 2013
ACCRUED INTEREST RECEIVABLE [Abstract]	'
Schedule of accrued interest receivable	'
	Accrued interest receivable consists of the following for the periods indicated:

		December 31,
		2012		2012


	Loans	$	3,262	$	2,599
	Other interest earning assets		5		2
	GSE residential mortgage-backed securities		547		500
	Other investment securities		674		500
	Subtotal, securities		1,221		1,000
		$	4,488	$	3,601

PREMISES_AND_EQUIPMENT_Tables

PREMISES AND EQUIPMENT (Tables)	12 Months Ended
PREMISES AND EQUIPMENT (Tables)	Dec. 31, 2013
PREMISES AND EQUIPMENT [Abstract]	'
Summary of premises and equipment	'
	Premises and equipment are summarized as follows:


		December 31,
		2013			2012
	Land and improvements	$	12,571		$	10,970
	Buildings		24,758			21,667
	Furniture and equipment		17,699			14,978
	Construction in progress		37			-
			55,065			47,615
	Accumulated depreciation		(17,087	)		(14,600	)
		$	37,978		$	33,015

	Premises held for sale	$	275		$	1,538
Future minimum lease commitments on noncancelable operating leases, excluding any renewal options	'
	Future minimum lease commitments on noncancelable operating leases, excluding any renewal options, are summarized as follows:

		(dollars in thousands)
	2014	$	861
	2015		862
	2016		764
	2017		690
	2018		640
	Thereafter		1,871
		$	5,688

GOODWILL_AND_INTANGIBLE_ASSETS1

GOODWILL AND INTANGIBLE ASSETS (Tables)	12 Months Ended
GOODWILL AND INTANGIBLE ASSETS (Tables)	Dec. 31, 2013
GOODWILL AND INTANGIBLE ASSETS [Abstract]	'
Summary of information related to intangible assets associated with acquisitions	'
	Following is a summary of information related to the core deposit intangible assets associated with these acquisitions based on the Company's allocations:

		As of December 31, 2013				As of December 31, 2012
		Gross		Accumulated		Gross		Accumulated
		Carrying		Amortization		Carrying		Amortization
		Amount				Amount
		(dollars in thousands)
	The Tattnall Bank	$	263	$	128	$	263	$	101
	Lake City, Florida, branch		460		224		460		178
	PAB branches		1,912		849		1,912		651
	Citizens Bank of Effingham		1,778		861		1,778		590
	First Southern National Bank		850		349		850		211
	Auburn, Alabama, branch		169		47		169		18
	Frontier Bank		625		99		-		-
	Core deposit intangibles	$	6,057	$	2,557	$	5,432	$	1,749
Estimated amortization expense for each of the next five years	'
	The estimated core deposit intangible amortization expense for each of the next five years as of December 31, 2013 is as follows:

		(dollars in thousands)
	2014	$	757
	2015		689
	2016		621
	2017		553
	2018		485
	2019 and beyond		395
		$	3,500

DEPOSITS_Tables

DEPOSITS (Tables)	12 Months Ended
DEPOSITS (Tables)	Dec. 31, 2013
DEPOSITS [Abstract]	'
Scheduled maturities of time deposits	'
	The scheduled maturities of time deposits at December 31, 2013 are as follows:

	2014	$	258,219
	2015		66,501
	2016		32,893
	2017		12,100
	2018 and beyond		13,668
		$	383,381
Interest expense for each major category of deposit	'
	The following table presents the interest expense for each major category of deposits for periods indicated:

		Years Ended December 31,
		2013		2012		2011
	Interest Expense
	Interest bearing demand	$	170	$	270	$	818
	Savings and money market		1,090		1,139		2,367
	Retail time deposits		2,453		3,349		4,178
	Wholesale time deposits		364		116		187
		$	4,077	$	4,874	$	7,550

EMPLOYEE_BENEFIT_PLANS_Tables

EMPLOYEE BENEFIT PLANS (Tables)	12 Months Ended
EMPLOYEE BENEFIT PLANS (Tables)	Dec. 31, 2013
EMPLOYEE BENEFIT PLANS [Abstract]	'
Information pertaining to activity in pension benefit plan	'
	Information pertaining to the activity in the plan is as follows:

			December 31,
			(dollars in thousands)
			2013			2012			2011
	Changes in benefit obligations:
	Obligations at beginning of year		$	13,191		$	11,776		$	9,851
	Service cost			703			818			709
	Interest cost			550			522			507
	Benefits paid			(1,191	)		(1,192	)		(1,077	)
	Actuarial loss			(2,559	)		1,267			1,786
	Obligations at end of year		$	10,694		$	13,191		$	11,776

	Changes in plan assets:
	Fair value of assets at beginning of year		$	8,865		$	8,097		$	8,184
	Actual return on assets			757			960			(95	)
	Company contributions			250			1,000			1,085
	Benefits paid			(1,191	)		(1,192	)		(1,076	)
	Fair value of assets at end of year		$	8,681		$	8,865		$	8,098

	Funded status at end of year, included in other liabilities		$	2,013		$	4,326		$	3,678

	Pretax amounts recognized in accumulated other comprehensive income consist of:
	Net loss		$	2,979		$	6,191		$	5,863
	Prior service cost			130			139			149
			$	3,109		$	6,330		$	6,012

	Accumulated benefit obligation		$	9,139		$	10,895		$	9,736

	Net periodic benefit cost:
	Service cost		$	703		$	819		$	709
	Interest cost			550			521			507
	Expected return on plan assets			(684	)		(585	)		(636	)
	Amortization of prior losses			580			565			319
	Amortization of service costs			9			9			9
	Net periodic benefit cost		$	1,158		$	1,329		$	908
Other changes in plan assets and benefits obligation recognized in other comprehensive income (loss)	'
	Other changes in plan assets and benefit obligations recognized in other comprehensive income (loss):

		December 31,
		2013				2012			2011
		(dollars in thousands)
	Current year actuarial loss		$	(2,632	)	$	892		$	2,516
	Amortization of prior losses			(580	)		(565	)		(319	)
	Amortization of prior service cost			(9	)		(9	)		(9	)
	Total recognized in other comprehensive income (loss)		$	(3,221	)	$	318		$	2,188
Assumption used in calculations	'
	December 31,
			2013			2012
	Assumptions used in computations:
	In computing ending obligations:
	Discount rate			5.25	%		4.25	%
	Rate of compensation increase			7.5	%		3	%
	In computing expected return on plan assets			3	%		7.5	%
The approximate allocation of plan assets	'
	The approximate allocation of plan assets as of December 31, 2013 and 2012 is as follows:

			2013			2012

	Fixed income			25.2	%		21.3	%
	Equities			54.1	%		37.7	%
	Balanced			14.5	%		26.1	%
	Cash and cash equivalents			4.4	%		13.1	%
	Other			1.8	%		1.8	%
The amounts in accumulated other comprehensive income (loss) expected to be recognized as components of net periodic benefit cost	'
	The amounts in accumulated other comprehensive income (loss) that are expected to be recognized as components of net periodic benefit cost during 2013 are as follows:

	Prior service cost		$	9
	Net loss			225
			$	234
Estimated future benefit payment	'
	Estimated future benefit payments, which reflect expected future service, as appropriate, are as follows:

	Fiscal Year		Amount
			(dollars in thousands)
	2013		$	384
	2014			360
	2015			331
	2016			524
	2017			1,735
	2018-2022			7,264
Compensation expense for shares committed to be released under ESOP	'
	Compensation expense for shares committed to be released under the Company's ESOP for the fiscal years ended December 31, 2013, 2012 and 2011 were $854,000, $669,000 and $620,000, respectively. Shares held by the ESOP were as follows:


			Years Ended December 31,
			2013			2012			2011

	Shares released for allocation			364,316			311,014			257,713
	Unearned			332,535			385,837			439,138
	Total ESOP shares			696,851			696,851			696,851

	Fair value of unearned shares		$	6,401,293		$	5,320,688		$	5,181,828

FEDERAL_FUNDS_PURCHASED_AND_SE1

FEDERAL FUNDS PURCHASED AND SECURITIES SOLD UNDER REPURCHASE AGREEMENTS (Tables)	12 Months Ended
	Dec. 31, 2013
FEDERAL FUNDS PURCHASED AND SECURITIES SOLD UNDER REPURCHASE AGREEMENTS [Abstract]	'
Federal funds purchased and securities sold under repurchase agreements	'
	Federal funds purchased represent unsecured borrowings from other banks and generally mature daily. Securities sold under repurchase agreements are secured borrowings and are reflected at the amount of cash received in connection with the transactions. The Company may be required to provide additional collateral based on the fair value of the underlying securities. The Company monitors the fair value of the underlying securities on a daily basis. Federal funds purchased and securities sold under repurchase agreements at were as follows:


		December 31,
		2013		2012
		(dollars in thousands)

	Federal funds purchased from Chattahoochee Bank of Georgia with interest at 0.15% maturing daily.	$	2,372	$	417
	Sold in overnight agreements maturing in one to four days.		5,276		2,802
	Sold in a structured agreement due January 25, 2018 with a rate of 3.78% fixed until maturity.		5,000		5,000
	Sold in a structured agreement due March 3, 2018 with a rate of 3.45% fixed until maturity.		5,000		5,000
	Sold in a structured agreement due March 3, 2018 with a variable rate, that resets quarterly, of 4.37% at December 31, 2012.		5,000		5,000
	Sold in a structured agreement due March 8, 2017 with a fixed rate of 4.85% until maturity.		10,000		10,000
	Sold in a structured agreement due August 21, 2017 with a fixed rate of 4.75% until maturity.		5,000		5,000
		$	37,648	$	33,219

OTHER_BORROWINGS_Tables

OTHER BORROWINGS (Tables)	12 Months Ended
OTHER BORROWINGS (Tables)	Dec. 31, 2013
OTHER BORROWINGS [Abstract]	'
Summary of other borrowings	'
	The Company has from time-to-time entered into borrowing agreements with the FHLB. Advances from the FHLB require borrowing capacity supported by the pledging of certain loans or securities. These advances may be made pursuant to several different credit programs, each of which has its own interest rate, range of maturities, and call features. Advances under these agreements are collateralized by stock in the FHLB, qualifying first and second mortgage residential loans, and commercial real estate loans under a blanket-floating lien.

		December 31,
		2013		2012
		(dollars in thousands)

	0.18%, fixed rate due January 16, 2014	$	15,000	$	-
	0.17% fixed rate due January 30, 2014		15,000		-
	7.67% fixed rate due April 15, 2014 ⁽¹⁾		24		-
	7.67% fixed rate due April 15, 2014⁽¹⁾		44		-
	3.71% convertible fixed rate due September 17, 2014*		5,000		5,000
	0.41% fixed rate due November 5, 2014		5,000		5,000
	4.23%, convertible fixed rate due August 17, 2015*		5,000		5,000
	0.57% fixed rate due November 5, 2015		5,000		5,000
	4.54% convertible fixed rate due October 31, 2016*		15,000		15,000
	0.76%, fixed rate due November 7, 2016		5,000		5,000
	3.90%, convertible fixed rate December 6, 2016^(1)*		7,000		-
	4.81%, convertible fixed rate due June 26, 2017^(1)*		10,000		-
	4.64%, convertible fixed rate due June 29, 2017^(1)*		5,000		-
	1.00%, fixed rate due November 6, 2017		5,000		5,000
	2.74%, convertible fixed rate due July 23, 2018*		10,000		10,000
	1.21%, fixed rate November 5, 2018		5,000		5,000
	4.75%, convertible fixed rate due April 22, 2019^(1)*		5,000		-
	4.05%, convertible fixed rate due November 25, 2020^(1)*		5,000		-
	2.30% fixed rate due March 1, 2023		5,000		-
		$	127,068	$	60,000
	Fair value adjustment ⁽¹⁾		4,326		-
		$	131,394	$	60,000

	(1) FHLB advances acquired with Frontier acquisition hold a fair value credit adjustment of $4.3 million which will reduce future interest expense over the life of the borrowings.

	* Advance is convertible from fixed to floating at the FHLB's discretion.
Other borrowings maturities in future years	'
	The FLHB advances at December 31, 2013 have maturities in future years as follows:

	2014	$	40,069
	2015		10,000
	2016		27,646
	2017		22,021
	2018		15,000
	Thereafter		16,658
		$	131,394

INCOME_TAXES_Tables

INCOME TAXES (Tables)	12 Months Ended
INCOME TAXES (Tables)	Dec. 31, 2013
INCOME TAXES [Abstract]	'
Income tax expense (benefit) in consolidated statement of operations	'
	The income tax expense in the consolidated statements of income consists of the following:

					Years Ended December 31,
					2013		2012		2011

		(dollars in thousands)
	Current	$	4,362			$	1,705			$	1,983
	Deferred		317				880				(883	)
		$	4,679			$	2,585			$	1,100
Reconciliation of income tax expense (benefit) differences	'
	The Company's income tax expense (benefit) differs from the amounts computed by applying the federal income tax statutory rates to income before income taxes. A reconciliation of the differences is as follows:

		Years Ended December 31,
		2013								2012					2011
		(dollars in thousands)
	Tax at federal income tax rate	$	5,438				34	%		$	3,176		34	%	$	1,674		34	%
	Increase (decrease) resulting from:
	Tax-exempt interest		(422	)			(2.64	)%			(368	)	(3.95	)%		(283	)	(5.75	)%
	Gain on bank owned life insurance death benefit		-				-				-		-			(11	)	(0.22	)%
	Bank owned life insurance		(273	)			(1.70	)%			(262	)	(2.81	)%		(200	)	(4.06	)%
	Employee Stock Ownership Plan		24				0.15	%			(39	)	(0.42	)%		(76	)	(1.55	)%
	Other		(88	)			(0.55	)%			78		0.83	%		(4	)	(0.08	)%
	Provision for income tax expense (benefits)		4,679				29.26	%			2,585		27.65	%		1,100		22.34	%
	Pre-tax income for each period	$	15,994							$	9,342				$	4,925
Components of deferred taxes	'
	The components of deferred taxes are summarized as follows:

		December 31,
		2013				2012
		(dollars in thousands)
	Deferred tax assets:
	Loan loss reserves	$	3,581			$	3,624
	Deferred compensation		472				1,581
	Pension liability		1,243				2,531
	Unrealized loss (gain) on securities available for sale		4,871				(829	)
	Impairment loss on securities available for sale		556				556
	Stock-based compensation		695				593
	Nonaccrual loans		142				126
	Premises held for sale		76				201
	Other real estate owned		885				665
	Core deposit intangible		555				391
	Deferred loans costs		104				41
	Deferred pension costs		163				(200	)
	Other		545				13
			13,888				9,293
	Deferred tax liabilities:
	Bargain gain purchase		2,228				1,506
	Depreciation and amortization		686				923
	Unrealized gain (loss) on derivative		940				(863	)
	Goodwill		59				44
			3,913				1,610

	Net deferred tax assets	$	9,975			$	7,683

COMMITMENTS_AND_CONTINGENCIES_

COMMITMENTS AND CONTINGENCIES (Tables)	12 Months Ended
COMMITMENTS AND CONTINGENCIES (Tables)	Dec. 31, 2013
COMMITMENTS AND CONTINGENCIES [Abstract]	'
Summary of company's commitments	'
	A summary of the Company's commitments is as follows:


		December 31,
		2013		2012
		(dollars in thousands)

	Commitments to extend credit	$	106,179	$	98,492
	Commitments to originate loans		59,629		36,887
	Standby letters of credit		2,270		1,371
		$	168,078	$	136,750

REGULATORY_MATTERS_Tables

REGULATORY MATTERS (Tables)	12 Months Ended
REGULATORY MATTERS (Tables)	Dec. 31, 2013
REGULATORY MATTERS [Abstract]	'
Company and bank's actual capital amounts and ratios	'
	The Company and the Bank's actual capital amounts and ratios are presented in the following table.

								For Capital					To Be Well Capitalized
								Adequacy					Under Prompt Corrective
		Actual						Purposes					Action Provisions
		Amount			Ratio			Amount		Ratio			Amount			Ratio
		(Dollars in thousands)
	31-Dec-13
	Total Capital to Risk Weighted Assets
	Consolidated	$	137,549			14.5	%	$	76,023		8	%	$	N/	A		-
	HeritageBank of the South		123,439			13.2	%		74,890		8	%		93,613			10	%
	Tier I Capital to Risk Weighted Assets
	Consolidated	$	128,594			13.5	%	$	38,012		4	%	$	N/	A		-
	HeritageBank of the South		114,484			12.2	%		37,445		4	%		56,167			6	%
	Tier I Capital to Average Assets:
	Consolidated	$	128,594			9.5	%	$	54,049		4	%	$	N/	A		-
	HeritageBank of the South		114,484			8.5	%		53,711		4	%		67,139			5	%

	As of December 31, 2012
	Total Capital to Risk Weighted Assets
	Consolidated	$	128,381			18.4	%	$	55,697		8	%	$	N/	A		-
	HeritageBank of the South		111,762			16.4	%		54,359		8	%		67,949			10	%
	Tier I Capital to Risk Weighted Assets
	Consolidated	$	119,881			17.2	%	$	27,849		4	%	$	N/	A		-
	HeritageBank of the South		103,248			15.2	%		27,180		4	%		40,769			6	%
	Tier I Capital to Average Assets:
	Consolidated	$	119,881			11	%	$	43,498		4	%	$	N/	A		-
	HeritageBank of the South		103,248			9.6	%		43,186		4	%		53,982			5	%
Reconciliation of bank's capital included in its balance sheet and regulatory capital amounts	'
	A reconciliation of the Bank's capital included in its balance sheets and the regulatory capital amounts follows:

		December 31,
		2013			2012
		(dollars in thousands)
	Total capital per balance sheet	$	110,954		$	104,016
	Regulatory capital adjustments:
	Net unrealized losses on available for sale securities		(7,307	)		(1,245	)
	Accumulated net gains on cash flow hedges		455			5,093
	Disallowed goodwill and other disallowed intangible assets		(4,050	)		(4,234	)
	Disallowed deferred tax assets		-			(382	)
	Disallowed servicing rights		(182	)		-

	Total Tier 1 Capital		114,484			103,248

	Allowance for loan and lease losses includible in Tier 2 capital		8,955			8,500
	Unrealized gains on available for sale equity securities includible in Tier 2 capital		-			14

	Total Tier 1 and 2 Capital	$	123,439		$	111,762

CONDENSED_FINANCIAL_INFORMATIO1

CONDENSED FINANCIAL INFORMATION OF HERITAGE FINANCIALGROUP, INC (PARENT COMPANY ONLY) (Tables)	12 Months Ended
	Dec. 31, 2013
CONDENSED FINANCIAL INFORMATION OF HERITAGE FINANCIALGROUP, INC. (PARENT COMPANY ONLY) [Abstract]	'
Condensed balance sheet	'
	CONDENSED BALANCE SHEETS
	(Dollars in thousands)

		December 31,
		2013			2012
	Assets
	Cash and due from banks	$	10,181		$	13,901
	Other equity securities, at cost		1,010			1,010
	Investment in subsidiary		110,954			104,015
	Premises and equipment, net		447			439
	Other assets		2,526			1,381

	Total assets	$	125,118		$	120,746

	Liabilities
	Other liabilities	$	55		$	97

	Stockholders' equity		125,063			120,649

	Total liabilities and stockholders' equity	$	125,118		$	120,746
Condensed statement of operation	'
	CONDENSED STATEMENTS OF INCOME
	(Dollars in thousands)

		Years Ended December 31,
		2013			2012			2011
	Income
	Dividends from subsidiary	$	3,710		$	2,186		$	-
	Interest		-			-			15
	Other noninterest income		30			11			-
	Total income		3,740			2,197			15

	Expense
	Depreciation		16			14			14
	Other expense		963			1,016			903
	Total expense		979			1,030			917

	Income (loss) before income tax benefits and equity in undistributed earnings of subsidiary		2,761			1,167			(902	)

	Income tax benefits		357			356			356

	Income (loss) before equity in undistributed earnings of subsidiary		3,118			1,523			(546	)

	Equity in undistributed earnings
	of subsidiary		8,197			5,234			4,371

	Net income	$	11,315		$	6,757		$	3,825
Condensed statement of cash flows	'
	CONDENSED STATEMENTS OF CASH FLOWS

							Years Ended December 31,
							2013	2012		2011

	OPERATING ACTIVITIES
	Net income	$	11,315		$	6,757		$	3,825
	Adjustments to reconcile net income to net cash provided by (used in) operating activities:
	Depreciation and amortization		16			14			14
	Excess tax shortfall related to stock-based compensation plans		(10	)		8			2
	Stock-based compensation expense		259			259			216
	Equity in undistributed earnings of subsidiary		(8,197	)		(5,234	)		(4,371	)
	Other operating activities		(1,181	)		(195	)		(1,079	)
	Total adjustments		(9,113	)		(5,148	)		(5,218	)

	Net cash provided by (used in) operating activities		2,202			1,609			(1,393	)

	INVESTING ACTIVITIES
	Contribution of 50% of proceeds of stock offering to subsidiary		-			-			(16	)
	Fund ESOP note receivable from conversion and stock offering		-			-			-
	Contribution to subsidiary		(2,000	)		-			(7,000	)
	Purchase of premises and equipment		(24	)		(3	)		-
	Purchases of securities available for sale Proceeds from maturities of securities available for sale		-			-			25,000
	Proceeds from sale of securities available for sale		-			-			-
	Proceeds from fair value transfer of securities to bank		-			-			590

	Net cash provided by (used in) investing activities		(2,024	)		(3	)		18,574

	FINANCING ACTIVITIES
	Shares released to employee stock ownership plan		853			669			620
	Excess tax benefit related to stock-based compensation plans		10			(8	)		(2	)
	Proceeds for stock exercise		503
	Purchase of shares, net		(5,266	)		(7,220	)		(1,310	)
	Dividends paid to stockholders		-			(2,832	)		(987	)

	Net cash provided by (used in) financing activities		(3,898	)		(9,391	)		(1,679	)

	Net increase (decrease) in cash and due from banks		(3,720	)		(7,785	)		15,502

	Cash and due from banks at beginning of period		13,901			21,686			6,184

	Cash and due from banks at end of period	$	10,181		$	13,901		$	21,686

SUMMARY_OF_SIGNIFICANT_ACCOUNT3

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Details) (USD $)	12 Months Ended
	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
	Calculations	Dec. 31, 2012	Dec. 31, 2011
Nature of business [Abstract]	'	'	'
Percentage of publicly owned stock holding company (in hundredths)	100.00%	'	'
Exchange rate of common stock owned by public shareholders (in shares)	0.8377	'	'
Acquisition Accounting [Abstract]	'	'	'
Period that fair values are subject to refinement	'1 year	'	'
FDIC Receivable for Loss Share Agreements [Abstract]	'	'	'
Percentage of reimbursement for losses and related expenses on acquired assets, loans, and OREO from FDIC (in hundredths)	80.00%	'	'
Period to pay clawback liability	'10 years	'	'
Number of calculations for individual loss share agreement	1	'	'
Cash due from banks and cash flows [Abstract]	'	'	'
Required reserves with Federal Reserve Bank	'	$1,500,000	$18,700,000
Mortgage Servicing Rights [Abstract]	'	'	'
Mortgage servicing rights fee (in hundredths)	0.25%	'	'
Loans [Abstract]	'	'	'
Minimum performance period required to return loans to accrual status	'6 months	'	'
Covered Loans [Abstract]	'	'	'
Percentage of reimbursement for losses and related expenses on acquired assets, loans, and OREO from FDIC (in hundredths)	80.00%	'	'
Intangible assets [Abstract]	'	'	'
Amortization period of core deposit intangibles	'7 years	'	'
Deferred tax asset position more-likely-than-not to be sustained upon examination (in hundredths)	50.00%	'	'
Other Comprehensive Income (Loss), Reclassification Adjustment for Sale of Securities Included in Net Income, Net of Tax	($51,000)	($1,703,000)	($410,000)
Buildings [Member]	'	'	'
Property, Plant and Equipment [Line Items]	'	'	'
Estimated useful lives	'40 years	'	'
Furniture and Equipment [Member] \| Minimum [Member]	'	'	'
Property, Plant and Equipment [Line Items]	'	'	'
Estimated useful lives	'3 years	'	'
Furniture and Equipment [Member] \| Maximum [Member]	'	'	'
Property, Plant and Equipment [Line Items]	'	'	'
Estimated useful lives	'7 years	'	'

EARNINGS_PER_SHARE_Details

EARNINGS PER SHARE (Details) (USD $)	12 Months Ended
In Thousands, except Share data, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Components used to calculate basic and diluted earnings (loss) per share [Abstract]	'	'	'
Antidilutive securities excluded from computation of earnings per share (in shares)	42,171	'	'
Basic earnings and shares [Abstract]	'	'	'
Net income	$11,315	$6,757	$3,825
Weighted-average basic shares outstanding (in shares)	7,421,348	7,969,104	8,188,843
Basic earnings per share (in dollars per share)	$1.52	$0.85	$0.47
Diluted earnings and shares [Abstract]	'	'	'
Net income	$11,315	$6,757	$3,825
Weighted-average basic shares outstanding (in shares)	7,421,348	7,969,104	8,188,843
Add: Effect of dilutive outstanding equity-based shares (in shares)	106,898	1,799	1,219
Weighted-average diluted shares outstanding (in shares)	7,528,246	7,970,903	8,190,062
Diluted earnings per share (in dollars per share)	$1.50	$0.85	$0.47

STOCK_PLANS_AND_STOCKBASED_COM2

STOCK PLANS AND STOCK-BASED COMPENSATION (Details) (USD $)

12 Months Ended

Dec. 31, 2013

Dec. 31, 2012

Dec. 31, 2011

Dec. 31, 2013

Dec. 31, 2012

Dec. 31, 2011

Dec. 31, 2010

17-May-06

Dec. 31, 2010

Dec. 31, 2013

17-May-06

Dec. 31, 2013

17-May-06

Sep. 30, 2012

Jun. 30, 2011

Jun. 22, 2011

Dec. 31, 2012

Dec. 31, 2011

Dec. 31, 2013

Jun. 22, 2011

Dec. 31, 2013

Jun. 22, 2011

Range of Exercise Prices $8.32 - $13.26 [Member]

Range of Exercise Price $13.43 - $14.97 [Member]

Stock Options [Member]

Restricted Stock Award [Member]

2006 Equity Incentive Plan [Member]

2011 Equity Incentive Plan [Member]

Stock Options [Member]

Restricted Stock Award [Member]

Stock Options [Member]

Restricted Stock Award [Member]

Share-based Compensation Arrangement by Share-based Payment Award [Line Items]

Number of shares that can be awarded (in shares)

645,990

461,422

184,568

573,481

409,429

163,852

Number of shares available to be granted (in shares)

106,222

98,012

117,673

56,963

12,800

49,259

31,382

Amortization period of unearned compensation expense, minimum

'1 year

Amortization period of unearned compensation expense, maximum

'5 years

Summary of the Status of the two plans [Roll Forward]

Under option, beginning of period (in shares)

765,132

738,560

416,791

Granted (in shares)

31,900

346,870

12,000

31,900

334,870

Exercised (in shares)

-36,263,000

-36,263

Forfeited (in shares)

-800

-5,326

-7,219

Expired (in shares)

-7,410

-17,882

Under option, end of period (in shares)

720,659

765,132

738,560

Exercisable at end of period (in shares)

490,131

456,940

386,091

Under Options, Weighted Average Exercise Price [Roll Forward]

Under option, beginning of period (in dollars per share)

$13.51

$14.90

Granted (in dollars per share)

$13.25

$11.95

Exercised (in dollars per share)

$13.87

Forfeited (in dollars per share)

$13.26

$11.99

$14.55

Expired (in dollars per share)

$14.94

$15.44

Under option, end of period (in dollars per share)

$13.46

$13.51

Exercisable at end of period (in dollars per share)

$14.11

$14.48

$14.94

Weighted average fair value per option of options granted during period

$282

$2,692

Total grant date fair value of options vested during the period

$589,000

$535,000

$300,000

Total intrinsic value of options exercised during the period

188,000

Shares available for grant (in shares)

106,222

98,012

117,673

56,963

12,800

49,259

31,382

Stock options vested and expected to vest [Abstract]

Number (in shares)

720,659

765,132

738,560

Weighted Average Exercise Price (in dollars per share)

$13.46

$13.51

Aggregate Intrinsic Value

Weighted Average Contractual Term of Options

'5 years

'5 years 10 months 24 days

'6 years 9 months 18 days

Stock options vested and currently exercisable [Abstract]

Number (in shares)

490,131

456,940

386,091

Weighted Average Exercise Price (in dollars per share)

$14.11

$14.48

$14.94

Aggregate Intrinsic Value

Weighted average contractual term of options

'3 years 9 months 18 days

'4 years 1 month 6 days

'4 years 4 months 24 days

Number of options granted (in shares)

31,900

346,870

12,000

31,900

334,870

Assumptions used for options granted [Abstract]

Weighted-average risk-free interest rate (in hundredths)

0.00%

1.25%

2.55%

Weighted average expected life of the options

'7 years 6 months

Weighted average expected dividends (as a percent of the fair value of the stock) (in hundredths)

0.00%

1.82%

1.64%

Weighted-average expected volatility (in hundredths)

0.00%

87.71%

80.46%

Pre-tax compensation expense

585,000

549,000

392,000

Unrecognized compensation related to stock options

1,500,000

Number of grants issued, net of forfeitures (in shares)

171,768

132,770

Grants forfeited (in shares)

300

326

3,069

300

Compensation expense amortized on straight-line basis over vesting period

'5 years

Shares of restricted stocks awarded

4,000

15,600

117,530

Restricted stock [Roll Forward]

Balance, beginning of period (in shares)

113,795

123,910

37,705

Granted (in shares)

15,600

121,530

Vested (in shares)

-28,242

-25,389

-32,256

Forfeited (in shares)

-300

-326

-3,069

-300

Balance, end of period (in shares)

85,253

113,795

123,910

Weighted average market price at grant [Roll Forward]

Balance, beginning of period (in dollars per share)

$12.12

$11.94

$14.60

Granted (in dollars per share)

$13.26

$11.95

Vested (in dollars per share)

$12.08

$11.95

$14.85

Forfeited (in dollars per share)

$13.26

$12.70

$14.50

Balance, end of period (in dollars per share)

$12.13

$12.12

$11.94

Unearned compensation expense

876,000

Unearned compensation expense, period of recognition

'2 years 8 months 12 days

Total compensation expense recognized

$332,000

$309,000

$336,000

Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]

Range of Exercise Prices, Lower Range Limit (in dollars per share)

$8.32

$13.43

Range of Exercise Prices, Upper Range Limit (in dollars per share)

$13.26

$14.97

Options Outstanding, Number

720,659

364,004

356,655

Options Outstanding, Weighted Average Contractual Life in Years

'5 years

'7 years 7 months 6 days

'2 years 4 months 24 days

Options Outstanding, Weighted Average Exercise Price (in dollars per share)

$13.46

$12.02

$14.94

Options Exercisable, Number (in shares)

490,131

133,476

356,655

Options Exercisable, Weighted Average Exercise Price (in dollars per share)

$14.11

$11.91

$14.94

SECURITIES_Details

SECURITIES (Details) (USD $)	12 Months Ended
SECURITIES (Details) (USD $)	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Amortized cost and fair value of securities available for sale with gross unrealized gains and losses [Abstract]	'	'	'
Amortized Cost	$306,476,000	$219,331,000	'
Gross Unrealized Gains	1,064,000	2,939,000	'
Gross Unrealized Losses	-13,241,000	-864,000	'
Fair Value	294,299,000	221,406,000	'
Amortized cost by contractual maturity [Abstract]	'	'	'
One year or less	0	150,000	'
One to five years	12,087,000	1,786,000	'
Five to ten years	58,328,000	20,920,000	'
Over ten years	40,297,000	40,006,000	'
Mortgage-backed securities	195,764,000	156,469,000	'
Amortized Cost	306,476,000	219,331,000	'
Fair value by contractual maturity [Abstract]	'	'	'
One year or less	0	150,000	'
One to five years	11,843,000	1,661,000	'
Five to ten years	55,333,000	21,264,000	'
Over ten years	37,854,000	40,834,000	'
Mortgage-backed securities	189,269,000	157,497,000	'
Fair Value, Total	294,299,000	221,406,000	'
Securities pledged as collateral	133,000,000	96,300,000	'
Collateral in excess of pledging requirements	30,900,000	18,000,000	'
Gross realized gains and losses recognized in income [Abstract]	'	'	'
Gross gains	85,000	3,068,000	684,000
Gross losses	0	-230,000	0
Net realized gains	85,000	2,838,000	684,000
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]	'	'	'
Less than Twelve Months, Fair Value	226,233,000	78,697,000	'
Twelve Months or More, Fair Value	28,313,000	7,235,000	'
Total, Fair Value	254,546,000	85,932,000	'
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Losses [Abstract]	'	'	'
Less than 12 Months, Unrealized Losses	-11,170,000	-590,000	'
12 Months or Longer, Unrealized Losses	-2,071,000	-274,000	'
Total, Unrealized Losses	-13,241,000	-864,000	'
Credit losses [Roll Forward]	'	'	'
Beginning balance of credit losses	1,543,000	1,543,000	1,500,000
Other than temporary impairment credit losses	0	0	43,000
Ending balance of cumulative credit losses recognized in earnings	1,543,000	1,543,000	1,543,000
Restricted Equity Securities [Abstract]	'	'	'
Unrealized gain recorded in other comprehensive income	-8,500,000	1,514,000	3,710,000
Percentage of investment in Chattahoochee bank (in hundredths)	4.90%	'	'
U. S. Government Sponsored Agencies (GSEs) [Member]	'	'	'
Amortized cost and fair value of securities available for sale with gross unrealized gains and losses [Abstract]	'	'	'
Amortized Cost	56,493,000	20,996,000	'
Gross Unrealized Gains	9,000	50,000	'
Gross Unrealized Losses	-2,930,000	-27,000	'
Fair Value	53,572,000	21,019,000	'
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]	'	'	'
Less than Twelve Months, Fair Value	53,716,000	5,481,000	'
Twelve Months or More, Fair Value	0	0	'
Total, Fair Value	53,716,000	5,481,000	'
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Losses [Abstract]	'	'	'
Less than 12 Months, Unrealized Losses	-2,930,000	-27,000	'
12 Months or Longer, Unrealized Losses	0	0	'
Total, Unrealized Losses	-2,930,000	-27,000	'
Number of securities related to unrealized loss position	52	'	'
State and Municipal Securities [Member]	'	'	'
Amortized cost and fair value of securities available for sale with gross unrealized gains and losses [Abstract]	'	'	'
Amortized Cost	54,012,000	40,509,000	'
Gross Unrealized Gains	222,000	1,362,000	'
Gross Unrealized Losses	-3,420,000	-298,000	'
Fair Value	50,814,000	41,573,000	'
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]	'	'	'
Less than Twelve Months, Fair Value	31,243,000	10,981,000	'
Twelve Months or More, Fair Value	7,566,000	1,377,000	'
Total, Fair Value	38,809,000	12,358,000	'
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Losses [Abstract]	'	'	'
Less than 12 Months, Unrealized Losses	-2,321,000	-226,000	'
12 Months or Longer, Unrealized Losses	-1,099,000	-72,000	'
Total, Unrealized Losses	-3,420,000	-298,000	'
Number of securities related to unrealized loss position	96	'	'
Units of securities in continuous unrealized loss position	23	'	'
Corporate Debt Securities [Member]	'	'	'
Amortized cost and fair value of securities available for sale with gross unrealized gains and losses [Abstract]	'	'	'
Amortized Cost	'	1,150,000	'
Gross Unrealized Gains	'	0	'
Gross Unrealized Losses	'	-130,000	'
Fair Value	'	1,020,000	'
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]	'	'	'
Less than Twelve Months, Fair Value	'	0	'
Twelve Months or More, Fair Value	'	1,020,000	'
Total, Fair Value	'	1,020,000	'
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Losses [Abstract]	'	'	'
Less than 12 Months, Unrealized Losses	'	0	'
12 Months or Longer, Unrealized Losses	'	-130,000	'
Total, Unrealized Losses	'	-130,000	'
GSE Residential Mortgage-backed Securities [Member]	'	'	'
Amortized cost and fair value of securities available for sale with gross unrealized gains and losses [Abstract]	'	'	'
Amortized Cost	195,764,000	156,469,000	'
Gross Unrealized Gains	394,000	1,434,000	'
Gross Unrealized Losses	-6,889,000	-406,000	'
Fair Value	189,269,000	157,497,000	'
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]	'	'	'
Less than Twelve Months, Fair Value	141,069,000	62,235,000	'
Twelve Months or More, Fair Value	20,747,000	4,634,000	'
Total, Fair Value	161,816,000	66,869,000	'
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Losses [Abstract]	'	'	'
Less than 12 Months, Unrealized Losses	-5,917,000	-337,000	'
12 Months or Longer, Unrealized Losses	-972,000	-69,000	'
Total, Unrealized Losses	-6,889,000	-406,000	'
Total debt securities [Member]	'	'	'
Amortized cost and fair value of securities available for sale with gross unrealized gains and losses [Abstract]	'	'	'
Amortized Cost	306,269,000	219,124,000	'
Gross Unrealized Gains	625,000	2,846,000	'
Gross Unrealized Losses	-13,239,000	-861,000	'
Fair Value	293,655,000	221,109,000	'
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]	'	'	'
Less than Twelve Months, Fair Value	226,028,000	78,697,000	'
Twelve Months or More, Fair Value	28,313,000	7,031,000	'
Total, Fair Value	254,341,000	85,728,000	'
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Losses [Abstract]	'	'	'
Less than 12 Months, Unrealized Losses	-11,168,000	-590,000	'
12 Months or Longer, Unrealized Losses	-2,071,000	-271,000	'
Total, Unrealized Losses	-13,239,000	-861,000	'
Improvement in unrealized losses (in hundredth)	5.20%	1.00%	'
FHLMC Preferred Stock [Member]	'	'	'
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Losses [Abstract]	'	'	'
Impairments and write downs	1,500,000	'	'
Details on selective company security holdings [Abstract]	'	'	'
Cusip	'313400657	'	'
Current Credit Rating	'Ca	'	'
Book Value	0	'	'
Fair Value	439,000	'	'
Unrealized Loss	0	'	'
Present Value Discounted Cash Flows	439,000	'	'
RBS Capital Fund [Member]	'	'	'
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Losses [Abstract]	'	'	'
Impairments and write downs	'	'	43,000
Length of time payments were suspended	'24 months	'	'
Details on selective company security holdings [Abstract]	'	'	'
Cusip	'74928K208	'	'
Current Credit Rating	'Ba3	'	'
Book Value	207,000	'	'
Fair Value	205,000	'	'
Unrealized Loss	-2,000	'	'
Present Value Discounted Cash Flows	207,000	'	'
Restricted Equity Securities [Abstract]	'	'	'
Unrealized gain recorded in other comprehensive income	2,000	'	'
Investment in Federal Home Loan Bank Stock [Member]	'	'	'
Restricted Equity Securities [Abstract]	'	'	'
Carrying value of Investment	7,300,000	4,300,000	'
Estimated fair value of investment	7,300,000	'	'
Investment in Chattahoochee Bank of Georgia [Member]	'	'	'
Restricted Equity Securities [Abstract]	'	'	'
Carrying value of Investment	1,000,000	1,000,000	'
Equity Securities [Member]	'	'	'
Amortized cost and fair value of securities available for sale with gross unrealized gains and losses [Abstract]	'	'	'
Amortized Cost	207,000	207,000	'
Gross Unrealized Gains	439,000	93,000	'
Gross Unrealized Losses	-2,000	-3,000	'
Fair Value	644,000	297,000	'
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]	'	'	'
Less than Twelve Months, Fair Value	205,000	0	'
Twelve Months or More, Fair Value	0	204,000	'
Total, Fair Value	205,000	204,000	'
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Losses [Abstract]	'	'	'
Less than 12 Months, Unrealized Losses	-2,000	0	'
12 Months or Longer, Unrealized Losses	0	-3,000	'
Total, Unrealized Losses	($2,000)	($3,000)	'
Number of securities related to unrealized loss position	1	'	'
Mortgage Backed Securities [Member]	'	'	'
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Losses [Abstract]	'	'	'
Number of securities related to unrealized loss position	128	'	'
Units of securities in continuous unrealized loss position	19	'	'

LOANS_AND_ALLOWANCE_FOR_LOAN_L2

LOANS AND ALLOWANCE FOR LOAN LOSSES (EXCLUDING FDIC-ACQUIRED LOANS) (Details) (USD $)	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Composition of loans [Abstract]	'	'	'
Loans	$684,544	$585,729	'
Total allowance for loan losses	-8,955	-9,061	-7,494
Loans, net	789,798	660,943	'
Commercial Real Estate [Member]	'	'	'
Composition of loans [Abstract]	'	'	'
Loans	302,637	254,004	'
Commercial Real Estate [Member] \| Nonresidential [Member]	'	'	'
Composition of loans [Abstract]	'	'	'
Loans	256,567	212,570	'
Commercial Real Estate [Member] \| Multifamily [Member]	'	'	'
Composition of loans [Abstract]	'	'	'
Loans	22,650	21,293	'
Commercial Real Estate [Member] \| Farmland [Member]	'	'	'
Composition of loans [Abstract]	'	'	'
Loans	23,420	20,141	'
Construction and Land [Member]	'	'	'
Composition of loans [Abstract]	'	'	'
Loans	50,167	33,340	'
Residential real estate [Member]	'	'	'
Composition of loans [Abstract]	'	'	'
Loans	206,603	189,228	'
Residential real estate [Member] \| Mortgage Loans, 1-4 families [Member]	'	'	'
Composition of loans [Abstract]	'	'	'
Loans	177,456	161,883	'
Residential real estate [Member] \| Home Equity [Member]	'	'	'
Composition of loans [Abstract]	'	'	'
Loans	29,147	27,345	'
Consumer and Other [Member]	'	'	'
Composition of loans [Abstract]	'	'	'
Loans	23,976	25,498	'
Consumer and Other [Member] \| Indirect Auto Loans [Member]	'	'	'
Composition of loans [Abstract]	'	'	'
Loans	247	1,304	'
Consumer and Other [Member] \| Direct Auto Loans [Member]	'	'	'
Composition of loans [Abstract]	'	'	'
Loans	6,640	6,801	'
Consumer and Other [Member] \| Other [Member]	'	'	'
Composition of loans [Abstract]	'	'	'
Loans	17,089	17,393	'
Commercial and Industrial Loans [Member]	'	'	'
Composition of loans [Abstract]	'	'	'
Loans	101,161	83,659	'
Covered [Member]	'	'	'
Composition of loans [Abstract]	'	'	'
Loans	50,891	72,425	'
Non-Covered [Member]	'	'	'
Composition of loans [Abstract]	'	'	'
Loans	63,318	11,850	'
FDIC Acquired Loans, Total [Member]	'	'	'
Composition of loans [Abstract]	'	'	'
Total Loans	$798,753	$670,004	'

LOANS_AND_ALLOWANCE_FOR_LOAN_L3

LOANS AND ALLOWANCE FOR LOAN LOSSES (EXCLUDING FDIC-ACQUIRED LOANS) (1) (Details) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Change in related party loans [Roll Forward]	'	'
Balance, beginning of year	$10,950	$9,316
Advances	19,101	13,929
Repayments	-20,049	-12,295
Balance, end of year	10,002	10,950
Financing Receivable, Allowance for Credit Losses [Roll Forward]	'	'
Beginning balance	9,061	7,494
Add (deduct) [Abstract]	'	'
Charge-offs	-1,975	-1,141
Recoveries	209	208
Provision for loan losses	1,660	2,500
Ending Balance	8,955	9,061
Allowance [Abstract]	'	'
Ending balance: specific	436	2,301
Ending balance: collective	8,519	6,760
Loans [Abstract]	'	'
Ending balance: individually evaluated for impairment	11,418	14,684
Ending balance: collectively evaluated for impairment	673,126	571,045
Commercial Real Estate [Member]	'	'
Financing Receivable, Allowance for Credit Losses [Roll Forward]	'	'
Beginning balance	2,744	1,878
Add (deduct) [Abstract]	'	'
Charge-offs	-276	-166
Recoveries	0	0
Provision for loan losses	-388	1,032
Ending Balance	2,080	2,744
Allowance [Abstract]	'	'
Ending balance: specific	316	429
Ending balance: collective	1,764	2,315
Loans [Abstract]	'	'
Ending balance: individually evaluated for impairment	4,456	4,938
Ending balance: collectively evaluated for impairment	298,181	249,066
Residential Real Estate[Member]	'	'
Financing Receivable, Allowance for Credit Losses [Roll Forward]	'	'
Beginning balance	3,251	2,440
Add (deduct) [Abstract]	'	'
Charge-offs	-735	-498
Recoveries	109	75
Provision for loan losses	546	1,234
Ending Balance	3,171	3,251
Allowance [Abstract]	'	'
Ending balance: specific	120	1,294
Ending balance: collective	3,051	1,957
Loans [Abstract]	'	'
Ending balance: individually evaluated for impairment	2,939	4,596
Ending balance: collectively evaluated for impairment	203,664	184,632
Construction and Land [Member]	'	'
Financing Receivable, Allowance for Credit Losses [Roll Forward]	'	'
Beginning balance	978	1,270
Add (deduct) [Abstract]	'	'
Charge-offs	0	-81
Recoveries	1	1
Provision for loan losses	250	-212
Ending Balance	1,229	978
Allowance [Abstract]	'	'
Ending balance: specific	0	304
Ending balance: collective	1,229	674
Loans [Abstract]	'	'
Ending balance: individually evaluated for impairment	3,829	3,881
Ending balance: collectively evaluated for impairment	46,338	29,459
Commercial and Industrial [Member]	'	'
Financing Receivable, Allowance for Credit Losses [Roll Forward]	'	'
Beginning balance	1,724	1,551
Add (deduct) [Abstract]	'	'
Charge-offs	-810	-208
Recoveries	16	35
Provision for loan losses	1,239	346
Ending Balance	2,169	1,724
Allowance [Abstract]	'	'
Ending balance: specific	0	206
Ending balance: collective	2,169	1,518
Loans [Abstract]	'	'
Ending balance: individually evaluated for impairment	135	1,149
Ending balance: collectively evaluated for impairment	101,026	82,510
Consumer and Other [Member]	'	'
Financing Receivable, Allowance for Credit Losses [Roll Forward]	'	'
Beginning balance	364	355
Add (deduct) [Abstract]	'	'
Charge-offs	-154	-188
Recoveries	83	97
Provision for loan losses	13	100
Ending Balance	306	364
Allowance [Abstract]	'	'
Ending balance: specific	0	68
Ending balance: collective	306	296
Loans [Abstract]	'	'
Ending balance: individually evaluated for impairment	59	120
Ending balance: collectively evaluated for impairment	$23,917	$25,378

LOANS_AND_ALLOWANCE_FOR_LOAN_L4

LOANS AND ALLOWANCE FOR LOAN LOSSES (EXCLUDING FDIC-ACQUIRED LOANS) (2) (Details) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Recorded Investment [Abstract]	'	'	'
Total, Recorded Investment	$11,418	$14,684	$13,275
Impaired Financing Receivable, Unpaid Principal Balance [Abstract]	'	'	'
Total, Unpaid Principal Balance	12,741	15,415	15,675
Impaired Financing Receivable Related Allowance [Abstract]	'	'	'
Total, Related Allowance	1,495	2,301	1,904
Impaired Financing Receivable, Average Recorded Investment [Abstract]	'	'	'
Total, Average Recorded Investment	12,253	16,270	14,327
Impaired Financing Receivable, Interest Income, Accrual Method [Abstract]	'	'	'
Total, Interest Income Recognized	54	324	369
Commercial Real Estate [Member]	'	'	'
Recorded Investment [Abstract]	'	'	'
Total, Recorded Investment	4,456	4,938	1,094
Impaired Financing Receivable, Unpaid Principal Balance [Abstract]	'	'	'
Total, Unpaid Principal Balance	4,679	5,195	1,111
Impaired Financing Receivable Related Allowance [Abstract]	'	'	'
Total, Related Allowance	343	429	100
Impaired Financing Receivable, Average Recorded Investment [Abstract]	'	'	'
Total, Average Recorded Investment	4,567	4,975	1,186
Impaired Financing Receivable, Interest Income, Accrual Method [Abstract]	'	'	'
Total, Interest Income Recognized	28	101	40
Commercial Real Estate [Member] \| Nonresidential [Member]	'	'	'
Recorded Investment [Abstract]	'	'	'
Loans with no related allowance recorded, Recorded Investment	0	0	620
Loans with related allowance recorded, Recorded Investment	4,456	4,938	361
Impaired Financing Receivable, Unpaid Principal Balance [Abstract]	'	'	'
Loans with no related allowance recorded, Unpaid Principal Balance	0	0	620
Loans with related allowance recorded, Unpaid Principal Balance	4,679	5,195	373
Impaired Financing Receivable Related Allowance [Abstract]	'	'	'
Loans with no related allowance recorded, Related Allowance	0	0	0
Loans with related allowance recorded, Related Allowance	343	429	99
Impaired Financing Receivable, Average Recorded Investment [Abstract]	'	'	'
Loans with no related allowance recorded, Average Recorded Investment	0	0	623
Loans with related allowance recorded, Average Recorded Investment	4,567	4,975	362
Impaired Financing Receivable, Interest Income, Accrual Method [Abstract]	'	'	'
Loans with no related allowance recorded, Interest Income Recognized	0	0	30
Loans with related allowance recorded, Interest Income Recognized	28	101	4
Commercial Real Estate [Member] \| Multifamily [Member]	'	'	'
Recorded Investment [Abstract]	'	'	'
Loans with no related allowance recorded, Recorded Investment	0	0	0
Loans with related allowance recorded, Recorded Investment	0	0	2
Impaired Financing Receivable, Unpaid Principal Balance [Abstract]	'	'	'
Loans with no related allowance recorded, Unpaid Principal Balance	0	0	0
Loans with related allowance recorded, Unpaid Principal Balance	0	0	4
Impaired Financing Receivable Related Allowance [Abstract]	'	'	'
Loans with no related allowance recorded, Related Allowance	0	0	0
Loans with related allowance recorded, Related Allowance	0	0	1
Impaired Financing Receivable, Average Recorded Investment [Abstract]	'	'	'
Loans with no related allowance recorded, Average Recorded Investment	0	0	0
Loans with related allowance recorded, Average Recorded Investment	0	0	89
Impaired Financing Receivable, Interest Income, Accrual Method [Abstract]	'	'	'
Loans with no related allowance recorded, Interest Income Recognized	0	0	0
Loans with related allowance recorded, Interest Income Recognized	0	0	6
Commercial Real Estate [Member] \| Farmland [Member]	'	'	'
Recorded Investment [Abstract]	'	'	'
Loans with no related allowance recorded, Recorded Investment	0	0	0
Loans with related allowance recorded, Recorded Investment	0	0	111
Impaired Financing Receivable, Unpaid Principal Balance [Abstract]	'	'	'
Loans with no related allowance recorded, Unpaid Principal Balance	0	0	0
Loans with related allowance recorded, Unpaid Principal Balance	0	0	114
Impaired Financing Receivable Related Allowance [Abstract]	'	'	'
Loans with no related allowance recorded, Related Allowance	0	0	0
Loans with related allowance recorded, Related Allowance	0	0	0
Impaired Financing Receivable, Average Recorded Investment [Abstract]	'	'	'
Loans with no related allowance recorded, Average Recorded Investment	0	0	0
Loans with related allowance recorded, Average Recorded Investment	0	0	112
Impaired Financing Receivable, Interest Income, Accrual Method [Abstract]	'	'	'
Loans with no related allowance recorded, Interest Income Recognized	0	0	0
Loans with related allowance recorded, Interest Income Recognized	0	0	0
Construction and Land [Member]	'	'	'
Recorded Investment [Abstract]	'	'	'
Loans with no related allowance recorded, Recorded Investment	3,380	3,443	0
Loans with related allowance recorded, Recorded Investment	449	438	3,961
Total, Recorded Investment	3,829	3,881	3,961
Impaired Financing Receivable, Unpaid Principal Balance [Abstract]	'	'	'
Loans with no related allowance recorded, Unpaid Principal Balance	3,380	3,469	0
Loans with related allowance recorded, Unpaid Principal Balance	517	504	3,961
Total, Unpaid Principal Balance	3,897	3,973	3,961
Impaired Financing Receivable Related Allowance [Abstract]	'	'	'
Loans with no related allowance recorded, Related Allowance	0	0	0
Loans with related allowance recorded, Related Allowance	305	304	525
Total, Related Allowance	305	304	525
Impaired Financing Receivable, Average Recorded Investment [Abstract]	'	'	'
Loans with no related allowance recorded, Average Recorded Investment	3,407	4,606	0
Loans with related allowance recorded, Average Recorded Investment	452	472	3,984
Total, Average Recorded Investment	3,859	5,078	3,984
Impaired Financing Receivable, Interest Income, Accrual Method [Abstract]	'	'	'
Loans with no related allowance recorded, Interest Income Recognized	0	134	0
Loans with related allowance recorded, Interest Income Recognized	0	0	167
Total, Interest Income Recognized	0	134	167
Residential real estate [Member]	'	'	'
Recorded Investment [Abstract]	'	'	'
Total, Recorded Investment	2,939	4,596	6,864
Impaired Financing Receivable, Unpaid Principal Balance [Abstract]	'	'	'
Total, Unpaid Principal Balance	3,818	4,935	9,075
Impaired Financing Receivable Related Allowance [Abstract]	'	'	'
Total, Related Allowance	696	1,294	811
Impaired Financing Receivable, Average Recorded Investment [Abstract]	'	'	'
Total, Average Recorded Investment	3,496	5,028	7,646
Impaired Financing Receivable, Interest Income, Accrual Method [Abstract]	'	'	'
Total, Interest Income Recognized	22	60	134
Residential real estate [Member] \| Mortgage Loans, 1-4 families [Member]	'	'	'
Recorded Investment [Abstract]	'	'	'
Loans with no related allowance recorded, Recorded Investment	1,438	535	0
Loans with related allowance recorded, Recorded Investment	1,501	3,782	6,781
Impaired Financing Receivable, Unpaid Principal Balance [Abstract]	'	'	'
Loans with no related allowance recorded, Unpaid Principal Balance	2,085	553	0
Loans with related allowance recorded, Unpaid Principal Balance	1,733	4,061	8,989
Impaired Financing Receivable Related Allowance [Abstract]	'	'	'
Loans with no related allowance recorded, Related Allowance	0	0	0
Loans with related allowance recorded, Related Allowance	696	1,054	710
Impaired Financing Receivable, Average Recorded Investment [Abstract]	'	'	'
Loans with no related allowance recorded, Average Recorded Investment	1,937	324	0
Loans with related allowance recorded, Average Recorded Investment	1,559	4,414	7,557
Impaired Financing Receivable, Interest Income, Accrual Method [Abstract]	'	'	'
Loans with no related allowance recorded, Interest Income Recognized	0	19	0
Loans with related allowance recorded, Interest Income Recognized	22	52	129
Residential real estate [Member] \| Home Equity [Member]	'	'	'
Recorded Investment [Abstract]	'	'	'
Loans with no related allowance recorded, Recorded Investment	0	0	11
Loans with related allowance recorded, Recorded Investment	0	279	72
Impaired Financing Receivable, Unpaid Principal Balance [Abstract]	'	'	'
Loans with no related allowance recorded, Unpaid Principal Balance	0	0	11
Loans with related allowance recorded, Unpaid Principal Balance	0	321	75
Impaired Financing Receivable Related Allowance [Abstract]	'	'	'
Loans with no related allowance recorded, Related Allowance	0	0	0
Loans with related allowance recorded, Related Allowance	0	240	101
Impaired Financing Receivable, Average Recorded Investment [Abstract]	'	'	'
Loans with no related allowance recorded, Average Recorded Investment	0	0	13
Loans with related allowance recorded, Average Recorded Investment	0	290	76
Impaired Financing Receivable, Interest Income, Accrual Method [Abstract]	'	'	'
Loans with no related allowance recorded, Interest Income Recognized	0	0	1
Loans with related allowance recorded, Interest Income Recognized	0	8	4
Consumer and Other [Member]	'	'	'
Recorded Investment [Abstract]	'	'	'
Total, Recorded Investment	59	120	177
Impaired Financing Receivable, Unpaid Principal Balance [Abstract]	'	'	'
Total, Unpaid Principal Balance	92	156	205
Impaired Financing Receivable Related Allowance [Abstract]	'	'	'
Total, Related Allowance	47	68	79
Impaired Financing Receivable, Average Recorded Investment [Abstract]	'	'	'
Total, Average Recorded Investment	71	138	210
Impaired Financing Receivable, Interest Income, Accrual Method [Abstract]	'	'	'
Total, Interest Income Recognized	1	5	8
Consumer and Other [Member] \| Indirect auto Loans [Member]	'	'	'
Recorded Investment [Abstract]	'	'	'
Loans with no related allowance recorded, Recorded Investment	0	0	0
Loans with related allowance recorded, Recorded Investment	6	30	83
Impaired Financing Receivable, Unpaid Principal Balance [Abstract]	'	'	'
Loans with no related allowance recorded, Unpaid Principal Balance	0	0	0
Loans with related allowance recorded, Unpaid Principal Balance	14	43	98
Impaired Financing Receivable Related Allowance [Abstract]	'	'	'
Loans with no related allowance recorded, Related Allowance	0	0	0
Loans with related allowance recorded, Related Allowance	4	0	0
Impaired Financing Receivable, Average Recorded Investment [Abstract]	'	'	'
Loans with no related allowance recorded, Average Recorded Investment	0	0	0
Loans with related allowance recorded, Average Recorded Investment	9	35	103
Impaired Financing Receivable, Interest Income, Accrual Method [Abstract]	'	'	'
Loans with no related allowance recorded, Interest Income Recognized	0	0	0
Loans with related allowance recorded, Interest Income Recognized	0	1	4
Consumer and Other [Member] \| Direct Auto Loans [Member]	'	'	'
Recorded Investment [Abstract]	'	'	'
Loans with no related allowance recorded, Recorded Investment	0	0	0
Loans with related allowance recorded, Recorded Investment	18	23	55
Impaired Financing Receivable, Unpaid Principal Balance [Abstract]	'	'	'
Loans with no related allowance recorded, Unpaid Principal Balance	0	0	0
Loans with related allowance recorded, Unpaid Principal Balance	32	36	67
Impaired Financing Receivable Related Allowance [Abstract]	'	'	'
Loans with no related allowance recorded, Related Allowance	0	0	0
Loans with related allowance recorded, Related Allowance	12	16	41
Impaired Financing Receivable, Average Recorded Investment [Abstract]	'	'	'
Loans with no related allowance recorded, Average Recorded Investment	0	0	0
Loans with related allowance recorded, Average Recorded Investment	22	28	65
Impaired Financing Receivable, Interest Income, Accrual Method [Abstract]	'	'	'
Loans with no related allowance recorded, Interest Income Recognized	0	0	0
Loans with related allowance recorded, Interest Income Recognized	0	0	2
Consumer and Other [Member] \| Other [Member]	'	'	'
Recorded Investment [Abstract]	'	'	'
Loans with no related allowance recorded, Recorded Investment	0	0	0
Loans with related allowance recorded, Recorded Investment	35	67	39
Impaired Financing Receivable, Unpaid Principal Balance [Abstract]	'	'	'
Loans with no related allowance recorded, Unpaid Principal Balance	0	0	0
Loans with related allowance recorded, Unpaid Principal Balance	46	77	40
Impaired Financing Receivable Related Allowance [Abstract]	'	'	'
Loans with no related allowance recorded, Related Allowance	0	0	0
Loans with related allowance recorded, Related Allowance	31	52	38
Impaired Financing Receivable, Average Recorded Investment [Abstract]	'	'	'
Loans with no related allowance recorded, Average Recorded Investment	0	0	0
Loans with related allowance recorded, Average Recorded Investment	40	75	42
Impaired Financing Receivable, Interest Income, Accrual Method [Abstract]	'	'	'
Loans with no related allowance recorded, Interest Income Recognized	0	0	0
Loans with related allowance recorded, Interest Income Recognized	1	4	2
Commercial and Industrial Loans [Member]	'	'	'
Recorded Investment [Abstract]	'	'	'
Loans with no related allowance recorded, Recorded Investment	0	877	839
Loans with related allowance recorded, Recorded Investment	135	272	340
Total, Recorded Investment	135	1,149	1,179
Impaired Financing Receivable, Unpaid Principal Balance [Abstract]	'	'	'
Loans with no related allowance recorded, Unpaid Principal Balance	0	878	886
Loans with related allowance recorded, Unpaid Principal Balance	255	278	437
Total, Unpaid Principal Balance	255	1,156	1,323
Impaired Financing Receivable Related Allowance [Abstract]	'	'	'
Loans with no related allowance recorded, Related Allowance	0	0	0
Loans with related allowance recorded, Related Allowance	104	206	389
Total, Related Allowance	104	206	389
Impaired Financing Receivable, Average Recorded Investment [Abstract]	'	'	'
Loans with no related allowance recorded, Average Recorded Investment	0	769	876
Loans with related allowance recorded, Average Recorded Investment	260	282	425
Total, Average Recorded Investment	260	1,051	1,301
Impaired Financing Receivable, Interest Income, Accrual Method [Abstract]	'	'	'
Loans with no related allowance recorded, Interest Income Recognized	0	11	5
Loans with related allowance recorded, Interest Income Recognized	3	13	15
Total, Interest Income Recognized	$3	$24	$20

LOANS_AND_ALLOWANCE_FOR_LOAN_L5

LOANS AND ALLOWANCE FOR LOAN LOSSES (EXCLUDING FDIC-ACQUIRED LOANS) (3) (Details) (USD $)	Dec. 31, 2013		Dec. 31, 2012
In Thousands, unless otherwise specified	Dec. 31, 2013		Dec. 31, 2012
Analysis of the age of recorded investment in loans that are past due [Abstract]	'		'
30 to 59 Days Past Due	$910		$1,376
60 to 89 Days Past Due	91		755
Non Accrual	9,434	[1]	14,677	[2]
Past Due, Total	10,435		16,808
Current	674,109		568,920
Total Loans	684,544		585,729
90 Days Past Due and Still Accruing	0		0
Construction and Land [Member]	'		'
Analysis of the age of recorded investment in loans that are past due [Abstract]	'		'
30 to 59 Days Past Due	163		0
60 to 89 Days Past Due	0		0
Non Accrual	1,849	[1]	3,881	[2]
Past Due, Total	2,012		3,881
Current	48,155		29,459
Total Loans	50,167		33,340
Residential real estate [Member]	'		'
Analysis of the age of recorded investment in loans that are past due [Abstract]	'		'
30 to 59 Days Past Due	739		1,283
60 to 89 Days Past Due	88		0
Non Accrual	2,936	[1]	4,589	[2]
Past Due, Total	3,763		5,872
Current	202,840		183,356
Total Loans	206,603		189,228
Residential real estate [Member] \| Mortgage Loans, 1-4 families [Member]	'		'
Analysis of the age of recorded investment in loans that are past due [Abstract]	'		'
30 to 59 Days Past Due	600		1,233
60 to 89 Days Past Due	88		0
Non Accrual	2,936	[1]	4,475	[2]
Past Due, Total	3,624		5,708
Current	173,832		156,175
Total Loans	177,456		161,883
Residential real estate [Member] \| Home Equity [Member]	'		'
Analysis of the age of recorded investment in loans that are past due [Abstract]	'		'
30 to 59 Days Past Due	139		50
60 to 89 Days Past Due	0		0
Non Accrual	0	[1]	114	[2]
Past Due, Total	139		164
Current	29,008		27,181
Total Loans	29,147		27,345
Commercial Real Estate [Member]	'		'
Analysis of the age of recorded investment in loans that are past due [Abstract]	'		'
30 to 59 Days Past Due	0		0
60 to 89 Days Past Due	0		744
Non Accrual	4,456	[1]	4,938	[2]
Past Due, Total	4,456		5,682
Current	298,181		248,322
Total Loans	302,637		254,004
Commercial Real Estate [Member] \| Nonresidential [Member]	'		'
Analysis of the age of recorded investment in loans that are past due [Abstract]	'		'
30 to 59 Days Past Due	0		0
60 to 89 Days Past Due	0		744
Non Accrual	4,456	[1]	4,938	[2]
Past Due, Total	4,456		5,682
Current	252,111		206,888
Total Loans	256,567		212,570
Commercial Real Estate [Member] \| Multifamily [Member]	'		'
Analysis of the age of recorded investment in loans that are past due [Abstract]	'		'
30 to 59 Days Past Due	0		0
60 to 89 Days Past Due	0		0
Non Accrual	0	[1]	0	[2]
Past Due, Total	0		0
Current	22,650		21,293
Total Loans	22,650		21,293
Commercial Real Estate [Member] \| Farmland [Member]	'		'
Analysis of the age of recorded investment in loans that are past due [Abstract]	'		'
30 to 59 Days Past Due	0		0
60 to 89 Days Past Due	0		0
Non Accrual	0	[1]	0	[2]
Past Due, Total	0		0
Current	23,420		20,141
Total Loans	23,420		20,141
Consumer and Other [Member]	'		'
Analysis of the age of recorded investment in loans that are past due [Abstract]	'		'
30 to 59 Days Past Due	8		79
60 to 89 Days Past Due	3		11
Non Accrual	58	[1]	120	[2]
Past Due, Total	69		210
Current	23,907		25,288
Total Loans	23,976		25,498
Consumer and Other [Member] \| Indirect auto Loans [Member]	'		'
Analysis of the age of recorded investment in loans that are past due [Abstract]	'		'
30 to 59 Days Past Due	2		5
60 to 89 Days Past Due	3		5
Non Accrual	6	[1]	30	[2]
Past Due, Total	11		40
Current	236		1,264
Total Loans	247		1,304
Consumer and Other [Member] \| Direct Auto Loans [Member]	'		'
Analysis of the age of recorded investment in loans that are past due [Abstract]	'		'
30 to 59 Days Past Due	2		2
60 to 89 Days Past Due	0		6
Non Accrual	18	[1]	23	[2]
Past Due, Total	20		31
Current	6,620		6,770
Total Loans	6,640		6,801
Consumer and Other [Member] \| Other [Member]	'		'
Analysis of the age of recorded investment in loans that are past due [Abstract]	'		'
30 to 59 Days Past Due	4		72
60 to 89 Days Past Due	0		0
Non Accrual	34	[1]	67	[2]
Past Due, Total	38		139
Current	17,051		17,254
Total Loans	17,089		17,393
Commercial and Industrial Loans [Member]	'		'
Analysis of the age of recorded investment in loans that are past due [Abstract]	'		'
30 to 59 Days Past Due	0		14
60 to 89 Days Past Due	0		0
Non Accrual	135	[1]	1,149	[2]
Past Due, Total	135		1,163
Current	101,026		82,495
Total Loans	$101,161		$83,659

[1]	There were no accruing loans that were greater than 90 days past due at December 31, 2013.
[2]	There were no accruing loans that were greater than 90 days past due at December 31, 2012.

LOANS_AND_ALLOWANCE_FOR_LOAN_L6

LOANS AND ALLOWANCE FOR LOAN LOSSES (EXCLUDING FDIC-ACQUIRED LOANS) (4) (Details) (USD $)

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

Contract

Minimum [Member]

Maximum [Member]

Commercial Real Estate [Member]

Residential Real Estate[Member]

Construction and Land [Member]

Commercial and Industrial [Member]

Consumer and Other [Member]

Contract

Financing Receivable, Modifications [Line Items]

Period of sustained performance to return a nonperforming TDR to performing status

'6 months

'12 months

Troubled debt restructuring classified as impaired

$7,700,000

Troubled restructuring included in nonaccruing loans

5,800,000

Troubled debt performing according to terms

1,900,000

Troubled debt restructurings for the periods ended [Abstract]

Number of Modification

Recorded Investment Prior to Modifications

13,878,000

11,930,000

3,036,000

1,071,000

7,268,000

3,574,000

17,000

Recorded Investment

7,746,000

6,863,000

2,878,000

997,000

1,488,000

2,409,000

3,380,000

3,443,000

14,000

Troubled debt restructuring modifications that subsequently defaulted for the periods ended [Abstract]

Number of modification

Recorded Investment

$5,763,000

$6,856,000

$2,878,000

$997,000

$1,485,000

$2,402,000

$1,400,000

$3,443,000

$14,000

LOANS_AND_ALLOWANCE_FOR_LOAN_L7

LOANS AND ALLOWANCE FOR LOAN LOSSES (EXCLUDING FDIC-ACQUIRED LOANS) (5) (Details) (USD $)	12 Months Ended
	Dec. 31, 2013	Dec. 31, 2012	Sep. 30, 2012	Jun. 30, 2012
	Level		Category	Category
	Category
	Component
Allowance for Loan and Lease Losses [Abstract]	'	'	'	'
Period considered for evaluation of allowance for loan losses	'5 years	'	'	'
Number of Loan Pool Category	4	'	'	'
Number of components of allowance	2	'	'	'
Threshold limit for impaired loans reviewed on individual basis	$500,000	'	'	'
Number of categories of asset quality grading system	'	'	11	8
Number of new pass level added in asset quality grading system	1	'	'	'
Asset Grading System [Abstract]	'	'	'	'
Estimated loan losses specified as percentage of outstanding balance (in hundredths)	50.00%	'	'	'
Period with in which pending factors should be resolved	'6 months	'	'	'
Percentage of reserve allocation or charge off on doubtful loans (in hundredths)	50.00%	'	'	'
Credit Quality [Abstract]	'	'	'	'
Financing Receivable, Net	789,798,000	660,943,000	'	'
Commercial Real Estate Credit Exposure [Member] \| Nonresidential [Member]	'	'	'	'
Credit Quality [Abstract]	'	'	'	'
Financing Receivable, Net	256,567,000	212,570,000	'	'
Commercial Real Estate Credit Exposure [Member] \| Multifamily [Member]	'	'	'	'
Credit Quality [Abstract]	'	'	'	'
Financing Receivable, Net	22,650,000	21,293,000	'	'
Commercial Real Estate Credit Exposure [Member] \| Farmland [Member]	'	'	'	'
Credit Quality [Abstract]	'	'	'	'
Financing Receivable, Net	23,420,000	20,141,000	'	'
Commercial Real Estate Credit Exposure [Member] \| Construction and Land [Member]	'	'	'	'
Credit Quality [Abstract]	'	'	'	'
Financing Receivable, Net	50,167,000	33,340,000	'	'
Commercial and Industrial Credit Exposure [Member]	'	'	'	'
Credit Quality [Abstract]	'	'	'	'
Financing Receivable, Net	101,161,000	83,659,000	'	'
Residential Real Estate Credit Exposure [Member] \| Home Equity [Member]	'	'	'	'
Credit Quality [Abstract]	'	'	'	'
Financing Receivable, Net	29,147,000	27,345,000	'	'
Residential Real Estate Credit Exposure [Member] \| Mortgage [Member]	'	'	'	'
Credit Quality [Abstract]	'	'	'	'
Financing Receivable, Net	177,456,000	161,883,000	'	'
Consumer and Other Credit Exposure [Member] \| Direct Auto Loans [Member]	'	'	'	'
Credit Quality [Abstract]	'	'	'	'
Financing Receivable, Net	6,640,000	6,801,000	'	'
Consumer and Other Credit Exposure [Member] \| Indirect auto Loans [Member]	'	'	'	'
Credit Quality [Abstract]	'	'	'	'
Financing Receivable, Net	247,000	1,304,000	'	'
Consumer and Other Credit Exposure [Member] \| Other [Member]	'	'	'	'
Credit Quality [Abstract]	'	'	'	'
Financing Receivable, Net	17,089,000	17,393,000	'	'
Pass 1 [Member]	'	'	'	'
Asset Grading System [Abstract]	'	'	'	'
Description of asset quality grading system	'Exceptional/Highest Quality	'	'	'
Pass 1 [Member] \| Commercial Real Estate Credit Exposure [Member] \| Nonresidential [Member]	'	'	'	'
Credit Quality [Abstract]	'	'	'	'
Financing Receivable, Net	0	0	'	'
Pass 1 [Member] \| Commercial Real Estate Credit Exposure [Member] \| Multifamily [Member]	'	'	'	'
Credit Quality [Abstract]	'	'	'	'
Financing Receivable, Net	0	0	'	'
Pass 1 [Member] \| Commercial Real Estate Credit Exposure [Member] \| Farmland [Member]	'	'	'	'
Credit Quality [Abstract]	'	'	'	'
Financing Receivable, Net	0	0	'	'
Pass 1 [Member] \| Commercial Real Estate Credit Exposure [Member] \| Construction and Land [Member]	'	'	'	'
Credit Quality [Abstract]	'	'	'	'
Financing Receivable, Net	0	0	'	'
Pass 1 [Member] \| Commercial and Industrial Credit Exposure [Member]	'	'	'	'
Credit Quality [Abstract]	'	'	'	'
Financing Receivable, Net	1,325,000	1,194,000	'	'
Pass 2 [Member]	'	'	'	'
Asset Grading System [Abstract]	'	'	'	'
Description of asset quality grading system	'Excellent/High Quality	'	'	'
Pass 2 [Member] \| Commercial Real Estate Credit Exposure [Member] \| Nonresidential [Member]	'	'	'	'
Credit Quality [Abstract]	'	'	'	'
Financing Receivable, Net	0	0	'	'
Pass 2 [Member] \| Commercial Real Estate Credit Exposure [Member] \| Multifamily [Member]	'	'	'	'
Credit Quality [Abstract]	'	'	'	'
Financing Receivable, Net	0	0	'	'
Pass 2 [Member] \| Commercial Real Estate Credit Exposure [Member] \| Farmland [Member]	'	'	'	'
Credit Quality [Abstract]	'	'	'	'
Financing Receivable, Net	0	0	'	'
Pass 2 [Member] \| Commercial Real Estate Credit Exposure [Member] \| Construction and Land [Member]	'	'	'	'
Credit Quality [Abstract]	'	'	'	'
Financing Receivable, Net	60,000	68,000	'	'
Pass 2 [Member] \| Commercial and Industrial Credit Exposure [Member]	'	'	'	'
Credit Quality [Abstract]	'	'	'	'
Financing Receivable, Net	432,000	366,000	'	'
Pass 3 [Member]	'	'	'	'
Asset Grading System [Abstract]	'	'	'	'
Description of asset quality grading system	'Strong/Above Average	'	'	'
Pass 3 [Member] \| Commercial Real Estate Credit Exposure [Member] \| Nonresidential [Member]	'	'	'	'
Credit Quality [Abstract]	'	'	'	'
Financing Receivable, Net	58,386,000	63,944,000	'	'
Pass 3 [Member] \| Commercial Real Estate Credit Exposure [Member] \| Multifamily [Member]	'	'	'	'
Credit Quality [Abstract]	'	'	'	'
Financing Receivable, Net	360,000	3,820,000	'	'
Pass 3 [Member] \| Commercial Real Estate Credit Exposure [Member] \| Farmland [Member]	'	'	'	'
Credit Quality [Abstract]	'	'	'	'
Financing Receivable, Net	5,762,000	6,459,000	'	'
Pass 3 [Member] \| Commercial Real Estate Credit Exposure [Member] \| Construction and Land [Member]	'	'	'	'
Credit Quality [Abstract]	'	'	'	'
Financing Receivable, Net	2,299,000	7,202,000	'	'
Pass 3 [Member] \| Commercial and Industrial Credit Exposure [Member]	'	'	'	'
Credit Quality [Abstract]	'	'	'	'
Financing Receivable, Net	24,344,000	29,447,000	'	'
Pass 4 [Member]	'	'	'	'
Asset Grading System [Abstract]	'	'	'	'
Description of asset quality grading system	'Good/Average	'	'	'
Pass 4 [Member] \| Commercial Real Estate Credit Exposure [Member] \| Nonresidential [Member]	'	'	'	'
Credit Quality [Abstract]	'	'	'	'
Financing Receivable, Net	171,496,000	135,189,000	'	'
Pass 4 [Member] \| Commercial Real Estate Credit Exposure [Member] \| Multifamily [Member]	'	'	'	'
Credit Quality [Abstract]	'	'	'	'
Financing Receivable, Net	22,252,000	15,214,000	'	'
Pass 4 [Member] \| Commercial Real Estate Credit Exposure [Member] \| Farmland [Member]	'	'	'	'
Credit Quality [Abstract]	'	'	'	'
Financing Receivable, Net	16,999,000	12,258,000	'	'
Pass 4 [Member] \| Commercial Real Estate Credit Exposure [Member] \| Construction and Land [Member]	'	'	'	'
Credit Quality [Abstract]	'	'	'	'
Financing Receivable, Net	24,902,000	16,732,000	'	'
Pass 4 [Member] \| Commercial and Industrial Credit Exposure [Member]	'	'	'	'
Credit Quality [Abstract]	'	'	'	'
Financing Receivable, Net	64,653,000	46,916,000	'	'
Pass 5 [Member]	'	'	'	'
Asset Grading System [Abstract]	'	'	'	'
Description of asset quality grading system	'Acceptable with more than average risk	'	'	'
Pass 5 [Member] \| Commercial Real Estate Credit Exposure [Member] \| Nonresidential [Member]	'	'	'	'
Credit Quality [Abstract]	'	'	'	'
Financing Receivable, Net	17,804,000	4,711,000	'	'
Pass 5 [Member] \| Commercial Real Estate Credit Exposure [Member] \| Multifamily [Member]	'	'	'	'
Credit Quality [Abstract]	'	'	'	'
Financing Receivable, Net	0	41,000	'	'
Pass 5 [Member] \| Commercial Real Estate Credit Exposure [Member] \| Farmland [Member]	'	'	'	'
Credit Quality [Abstract]	'	'	'	'
Financing Receivable, Net	297,000	1,275,000	'	'
Pass 5 [Member] \| Commercial Real Estate Credit Exposure [Member] \| Construction and Land [Member]	'	'	'	'
Credit Quality [Abstract]	'	'	'	'
Financing Receivable, Net	18,381,000	5,332,000	'	'
Pass 5 [Member] \| Commercial and Industrial Credit Exposure [Member]	'	'	'	'
Credit Quality [Abstract]	'	'	'	'
Financing Receivable, Net	9,757,000	3,781,000	'	'
Pass 1-5 [Member] \| Residential Real Estate Credit Exposure [Member] \| Home Equity [Member]	'	'	'	'
Credit Quality [Abstract]	'	'	'	'
Financing Receivable, Net	29,147,000	26,922,000	'	'
Pass 1-5 [Member] \| Residential Real Estate Credit Exposure [Member] \| Mortgage [Member]	'	'	'	'
Credit Quality [Abstract]	'	'	'	'
Financing Receivable, Net	171,349,000	154,067,000	'	'
Pass 1-5 [Member] \| Consumer and Other Credit Exposure [Member] \| Direct Auto Loans [Member]	'	'	'	'
Credit Quality [Abstract]	'	'	'	'
Financing Receivable, Net	6,622,000	6,778,000	'	'
Pass 1-5 [Member] \| Consumer and Other Credit Exposure [Member] \| Indirect auto Loans [Member]	'	'	'	'
Credit Quality [Abstract]	'	'	'	'
Financing Receivable, Net	241,000	1,252,000	'	'
Pass 1-5 [Member] \| Consumer and Other Credit Exposure [Member] \| Other [Member]	'	'	'	'
Credit Quality [Abstract]	'	'	'	'
Financing Receivable, Net	17,042,000	17,280,000	'	'
Special Mention 6 [Member]	'	'	'	'
Asset Grading System [Abstract]	'	'	'	'
Description of asset quality grading system	'Special Mention Loans	'	'	'
Regulatory Classification	'Criticized	'	'	'
Special Mention 6 [Member] \| Commercial Real Estate Credit Exposure [Member] \| Nonresidential [Member]	'	'	'	'
Credit Quality [Abstract]	'	'	'	'
Financing Receivable, Net	1,087,000	907,000	'	'
Special Mention 6 [Member] \| Commercial Real Estate Credit Exposure [Member] \| Multifamily [Member]	'	'	'	'
Credit Quality [Abstract]	'	'	'	'
Financing Receivable, Net	38,000	0	'	'
Special Mention 6 [Member] \| Commercial Real Estate Credit Exposure [Member] \| Farmland [Member]	'	'	'	'
Credit Quality [Abstract]	'	'	'	'
Financing Receivable, Net	301,000	0	'	'
Special Mention 6 [Member] \| Commercial Real Estate Credit Exposure [Member] \| Construction and Land [Member]	'	'	'	'
Credit Quality [Abstract]	'	'	'	'
Financing Receivable, Net	0	0	'	'
Special Mention 6 [Member] \| Commercial and Industrial Credit Exposure [Member]	'	'	'	'
Credit Quality [Abstract]	'	'	'	'
Financing Receivable, Net	208,000	86,000	'	'
Special Mention 6 [Member] \| Residential Real Estate Credit Exposure [Member] \| Home Equity [Member]	'	'	'	'
Credit Quality [Abstract]	'	'	'	'
Financing Receivable, Net	0	0	'	'
Special Mention 6 [Member] \| Residential Real Estate Credit Exposure [Member] \| Mortgage [Member]	'	'	'	'
Credit Quality [Abstract]	'	'	'	'
Financing Receivable, Net	460,000	357,000	'	'
Special Mention 6 [Member] \| Consumer and Other Credit Exposure [Member] \| Direct Auto Loans [Member]	'	'	'	'
Credit Quality [Abstract]	'	'	'	'
Financing Receivable, Net	0	0	'	'
Special Mention 6 [Member] \| Consumer and Other Credit Exposure [Member] \| Indirect auto Loans [Member]	'	'	'	'
Credit Quality [Abstract]	'	'	'	'
Financing Receivable, Net	0	0	'	'
Special Mention 6 [Member] \| Consumer and Other Credit Exposure [Member] \| Other [Member]	'	'	'	'
Credit Quality [Abstract]	'	'	'	'
Financing Receivable, Net	0	0	'	'
Special Mention Elevated 7 [Member]	'	'	'	'
Asset Grading System [Abstract]	'	'	'	'
Description of asset quality grading system	'Special Mention Loans with added risk exposure	'	'	'
Regulatory Classification	'Criticized	'	'	'
Special Mention Elevated 7 [Member] \| Commercial Real Estate Credit Exposure [Member] \| Nonresidential [Member]	'	'	'	'
Credit Quality [Abstract]	'	'	'	'
Financing Receivable, Net	131,000	0	'	'
Special Mention Elevated 7 [Member] \| Commercial Real Estate Credit Exposure [Member] \| Multifamily [Member]	'	'	'	'
Credit Quality [Abstract]	'	'	'	'
Financing Receivable, Net	0	1,707,000	'	'
Special Mention Elevated 7 [Member] \| Commercial Real Estate Credit Exposure [Member] \| Farmland [Member]	'	'	'	'
Credit Quality [Abstract]	'	'	'	'
Financing Receivable, Net	0	0	'	'
Special Mention Elevated 7 [Member] \| Commercial Real Estate Credit Exposure [Member] \| Construction and Land [Member]	'	'	'	'
Credit Quality [Abstract]	'	'	'	'
Financing Receivable, Net	696,000	0	'	'
Special Mention Elevated 7 [Member] \| Commercial and Industrial Credit Exposure [Member]	'	'	'	'
Credit Quality [Abstract]	'	'	'	'
Financing Receivable, Net	239,000	6,000	'	'
Special Mention Elevated 7 [Member] \| Residential Real Estate Credit Exposure [Member] \| Home Equity [Member]	'	'	'	'
Credit Quality [Abstract]	'	'	'	'
Financing Receivable, Net	0	0	'	'
Special Mention Elevated 7 [Member] \| Residential Real Estate Credit Exposure [Member] \| Mortgage [Member]	'	'	'	'
Credit Quality [Abstract]	'	'	'	'
Financing Receivable, Net	0	0	'	'
Special Mention Elevated 7 [Member] \| Consumer and Other Credit Exposure [Member] \| Direct Auto Loans [Member]	'	'	'	'
Credit Quality [Abstract]	'	'	'	'
Financing Receivable, Net	0	0	'	'
Special Mention Elevated 7 [Member] \| Consumer and Other Credit Exposure [Member] \| Indirect auto Loans [Member]	'	'	'	'
Credit Quality [Abstract]	'	'	'	'
Financing Receivable, Net	0	0	'	'
Special Mention Elevated 7 [Member] \| Consumer and Other Credit Exposure [Member] \| Other [Member]	'	'	'	'
Credit Quality [Abstract]	'	'	'	'
Financing Receivable, Net	0	1,000	'	'
Substandard 8 [Member]	'	'	'	'
Asset Grading System [Abstract]	'	'	'	'
Description of asset quality grading system	'Substandard/Inadequately Protected	'	'	'
Regulatory Classification	'Classified	'	'	'
Substandard 8 [Member] \| Commercial Real Estate Credit Exposure [Member] \| Nonresidential [Member]	'	'	'	'
Credit Quality [Abstract]	'	'	'	'
Financing Receivable, Net	3,207,000	2,881,000	'	'
Substandard 8 [Member] \| Commercial Real Estate Credit Exposure [Member] \| Multifamily [Member]	'	'	'	'
Credit Quality [Abstract]	'	'	'	'
Financing Receivable, Net	0	511,000	'	'
Substandard 8 [Member] \| Commercial Real Estate Credit Exposure [Member] \| Farmland [Member]	'	'	'	'
Credit Quality [Abstract]	'	'	'	'
Financing Receivable, Net	61,000	149,000	'	'
Substandard 8 [Member] \| Commercial Real Estate Credit Exposure [Member] \| Construction and Land [Member]	'	'	'	'
Credit Quality [Abstract]	'	'	'	'
Financing Receivable, Net	1,980,000	125,000	'	'
Substandard 8 [Member] \| Commercial and Industrial Credit Exposure [Member]	'	'	'	'
Credit Quality [Abstract]	'	'	'	'
Financing Receivable, Net	68,000	713,000	'	'
Substandard 8 [Member] \| Residential Real Estate Credit Exposure [Member] \| Home Equity [Member]	'	'	'	'
Credit Quality [Abstract]	'	'	'	'
Financing Receivable, Net	0	144,000	'	'
Substandard 8 [Member] \| Residential Real Estate Credit Exposure [Member] \| Mortgage [Member]	'	'	'	'
Credit Quality [Abstract]	'	'	'	'
Financing Receivable, Net	2,711,000	3,202,000	'	'
Substandard 8 [Member] \| Consumer and Other Credit Exposure [Member] \| Direct Auto Loans [Member]	'	'	'	'
Credit Quality [Abstract]	'	'	'	'
Financing Receivable, Net	0	0	'	'
Substandard 8 [Member] \| Consumer and Other Credit Exposure [Member] \| Indirect auto Loans [Member]	'	'	'	'
Credit Quality [Abstract]	'	'	'	'
Financing Receivable, Net	0	22,000	'	'
Substandard 8 [Member] \| Consumer and Other Credit Exposure [Member] \| Other [Member]	'	'	'	'
Credit Quality [Abstract]	'	'	'	'
Financing Receivable, Net	12,000	45,000	'	'
Impaired Loans 9 [Member]	'	'	'	'
Asset Grading System [Abstract]	'	'	'	'
Description of asset quality grading system	'Non Accrual Loans	'	'	'
Regulatory Classification	'Classified	'	'	'
Impaired Loans 9 [Member] \| Commercial Real Estate Credit Exposure [Member] \| Nonresidential [Member]	'	'	'	'
Credit Quality [Abstract]	'	'	'	'
Financing Receivable, Net	4,456,000	4,938,000	'	'
Impaired Loans 9 [Member] \| Commercial Real Estate Credit Exposure [Member] \| Multifamily [Member]	'	'	'	'
Credit Quality [Abstract]	'	'	'	'
Financing Receivable, Net	0	0	'	'
Impaired Loans 9 [Member] \| Commercial Real Estate Credit Exposure [Member] \| Farmland [Member]	'	'	'	'
Credit Quality [Abstract]	'	'	'	'
Financing Receivable, Net	0	0	'	'
Impaired Loans 9 [Member] \| Commercial Real Estate Credit Exposure [Member] \| Construction and Land [Member]	'	'	'	'
Credit Quality [Abstract]	'	'	'	'
Financing Receivable, Net	1,849,000	3,881,000	'	'
Impaired Loans 9 [Member] \| Commercial and Industrial Credit Exposure [Member]	'	'	'	'
Credit Quality [Abstract]	'	'	'	'
Financing Receivable, Net	135,000	1,150,000	'	'
Impaired Loans 9 [Member] \| Residential Real Estate Credit Exposure [Member] \| Home Equity [Member]	'	'	'	'
Credit Quality [Abstract]	'	'	'	'
Financing Receivable, Net	0	279,000	'	'
Impaired Loans 9 [Member] \| Residential Real Estate Credit Exposure [Member] \| Mortgage [Member]	'	'	'	'
Credit Quality [Abstract]	'	'	'	'
Financing Receivable, Net	2,936,000	4,257,000	'	'
Impaired Loans 9 [Member] \| Consumer and Other Credit Exposure [Member] \| Direct Auto Loans [Member]	'	'	'	'
Credit Quality [Abstract]	'	'	'	'
Financing Receivable, Net	18,000	23,000	'	'
Impaired Loans 9 [Member] \| Consumer and Other Credit Exposure [Member] \| Indirect auto Loans [Member]	'	'	'	'
Credit Quality [Abstract]	'	'	'	'
Financing Receivable, Net	6,000	30,000	'	'
Impaired Loans 9 [Member] \| Consumer and Other Credit Exposure [Member] \| Other [Member]	'	'	'	'
Credit Quality [Abstract]	'	'	'	'
Financing Receivable, Net	35,000	67,000	'	'
Doubtful 10 [Member]	'	'	'	'
Asset Grading System [Abstract]	'	'	'	'
Description of asset quality grading system	'Doubtful	'	'	'
Regulatory Classification	'Classified	'	'	'
Doubtful 10 [Member] \| Commercial Real Estate Credit Exposure [Member] \| Nonresidential [Member]	'	'	'	'
Credit Quality [Abstract]	'	'	'	'
Financing Receivable, Net	0	0	'	'
Doubtful 10 [Member] \| Commercial Real Estate Credit Exposure [Member] \| Multifamily [Member]	'	'	'	'
Credit Quality [Abstract]	'	'	'	'
Financing Receivable, Net	0	0	'	'
Doubtful 10 [Member] \| Commercial Real Estate Credit Exposure [Member] \| Farmland [Member]	'	'	'	'
Credit Quality [Abstract]	'	'	'	'
Financing Receivable, Net	0	0	'	'
Doubtful 10 [Member] \| Commercial Real Estate Credit Exposure [Member] \| Construction and Land [Member]	'	'	'	'
Credit Quality [Abstract]	'	'	'	'
Financing Receivable, Net	0	0	'	'
Doubtful 10 [Member] \| Commercial and Industrial Credit Exposure [Member]	'	'	'	'
Credit Quality [Abstract]	'	'	'	'
Financing Receivable, Net	0	0	'	'
Doubtful 10 [Member] \| Residential Real Estate Credit Exposure [Member] \| Home Equity [Member]	'	'	'	'
Credit Quality [Abstract]	'	'	'	'
Financing Receivable, Net	0	0	'	'
Doubtful 10 [Member] \| Residential Real Estate Credit Exposure [Member] \| Mortgage [Member]	'	'	'	'
Credit Quality [Abstract]	'	'	'	'
Financing Receivable, Net	0	0	'	'
Doubtful 10 [Member] \| Consumer and Other Credit Exposure [Member] \| Direct Auto Loans [Member]	'	'	'	'
Credit Quality [Abstract]	'	'	'	'
Financing Receivable, Net	0	0	'	'
Doubtful 10 [Member] \| Consumer and Other Credit Exposure [Member] \| Indirect auto Loans [Member]	'	'	'	'
Credit Quality [Abstract]	'	'	'	'
Financing Receivable, Net	0	0	'	'
Doubtful 10 [Member] \| Consumer and Other Credit Exposure [Member] \| Other [Member]	'	'	'	'
Credit Quality [Abstract]	'	'	'	'
Financing Receivable, Net	0	0	'	'
Loss 11 [Member]	'	'	'	'
Asset Grading System [Abstract]	'	'	'	'
Description of asset quality grading system	'Loss	'	'	'
Regulatory Classification	'Classified	'	'	'
Loss 11 [Member] \| Commercial Real Estate Credit Exposure [Member] \| Nonresidential [Member]	'	'	'	'
Credit Quality [Abstract]	'	'	'	'
Financing Receivable, Net	0	0	'	'
Loss 11 [Member] \| Commercial Real Estate Credit Exposure [Member] \| Multifamily [Member]	'	'	'	'
Credit Quality [Abstract]	'	'	'	'
Financing Receivable, Net	0	0	'	'
Loss 11 [Member] \| Commercial Real Estate Credit Exposure [Member] \| Farmland [Member]	'	'	'	'
Credit Quality [Abstract]	'	'	'	'
Financing Receivable, Net	0	0	'	'
Loss 11 [Member] \| Commercial Real Estate Credit Exposure [Member] \| Construction and Land [Member]	'	'	'	'
Credit Quality [Abstract]	'	'	'	'
Financing Receivable, Net	0	0	'	'
Loss 11 [Member] \| Commercial and Industrial Credit Exposure [Member]	'	'	'	'
Credit Quality [Abstract]	'	'	'	'
Financing Receivable, Net	0	0	'	'
Loss 11 [Member] \| Residential Real Estate Credit Exposure [Member] \| Home Equity [Member]	'	'	'	'
Credit Quality [Abstract]	'	'	'	'
Financing Receivable, Net	0	0	'	'
Loss 11 [Member] \| Residential Real Estate Credit Exposure [Member] \| Mortgage [Member]	'	'	'	'
Credit Quality [Abstract]	'	'	'	'
Financing Receivable, Net	0	0	'	'
Loss 11 [Member] \| Consumer and Other Credit Exposure [Member] \| Direct Auto Loans [Member]	'	'	'	'
Credit Quality [Abstract]	'	'	'	'
Financing Receivable, Net	0	0	'	'
Loss 11 [Member] \| Consumer and Other Credit Exposure [Member] \| Indirect auto Loans [Member]	'	'	'	'
Credit Quality [Abstract]	'	'	'	'
Financing Receivable, Net	0	0	'	'
Loss 11 [Member] \| Consumer and Other Credit Exposure [Member] \| Other [Member]	'	'	'	'
Credit Quality [Abstract]	'	'	'	'
Financing Receivable, Net	$0	$0	'	'

FDIC_ACQUIRED_LOANS_AND_ALLOWA2

FDIC ACQUIRED LOANS AND ALLOWANCE FOR LOAN LOSSES (Details) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Loans not covered and loans covered by loss sharing agreements [Abstract]	'	'	'
Loans covered by loss-sharing agreements	$50,891	$72,425	'
Percentage of covered losses that FDIC has agreed to reimburse (in hundredths)	80.00%	'	'
Acquired non single family loans period covered under loss agreement before expiration	'5 years	'	'
Acquired single family loans period covered under loss agreement before expiration	'10 years	'	'
Acquired loans share recovery period covered under loss agreement before expiration	'3 years	'	'
Loans receivable reclassifications from the balance reported [Abstract]	'	'	'
Contractually required principal and interest	203,695	'	'
Non-accretable difference	-36,745	'	'
Cash flows expected to be collected	166,950	'	'
Accretable yield	-52,741	'	'
Basis in acquired loans	114,209	'	'
Changes in the accretable yields of acquired loans since the acquisition date [Roll Forward]	'	'	'
Beginning Balance	28,882	31,096	4,598
Additions	21,189	0	58,118
Reclassification from non-accretable difference	12,620	22,349	8,016
Accretion included in interest income	-29,459	-23,251	-7,985
Adjustments to estimates of expected cash flows	19,509	-1,312	-31,651
Ending Balance	52,741	28,882	31,096
Allowance for Loan and Lease Losses [Roll Forward]	'	'	'
Beginning balance	9,061	7,494	'
Add (deduct) [Abstract]	'	'	'
Charge-offs	-1,975	-1,141	'
Recoveries	209	208	'
Ending Balance	8,955	9,061	7,494
Allowance [Abstract]	'	'	'
Ending balance: specific	436	2,301	'
Ending balance: collective	8,519	6,760	'
Loans [Abstract]	'	'	'
Ending balance: individually evaluated for impairment	11,418	14,684	'
Ending balance: collectively evaluated for impairment	673,126	571,045	'
Citizens [Member]	'	'	'
Loss sharing agreement expirations [Abstract]	'	'	'
Loss sharing non single family loans agreement expirations	'March, 2016	'	'
Loss sharing single family loans agreement expirations	'March, 2021	'	'
First Southern [Member]	'	'	'
Loss sharing agreement expirations [Abstract]	'	'	'
Loss sharing non single family loans agreement expirations	'September, 2016	'	'
Loss sharing single family loans agreement expirations	'September, 2021	'	'
Acquired Loans Without Specific Evidence of Deterioration in Credit Quality [Member]	'	'	'
Loans receivable reclassifications from the balance reported [Abstract]	'	'	'
Contractually required principal and interest	179,582	'	'
Non-accretable difference	-27,937	'	'
Cash flows expected to be collected	151,645	'	'
Accretable yield	-47,599	'	'
Basis in acquired loans	104,046	'	'
Acquired Loans With Specific Evidence of Deterioration in Credit Quality [Member]	'	'	'
Loans receivable reclassifications from the balance reported [Abstract]	'	'	'
Contractually required principal and interest	24,113	'	'
Non-accretable difference	-8,808	'	'
Cash flows expected to be collected	15,305	'	'
Accretable yield	-5,142	'	'
Basis in acquired loans	10,163	'	'
FDIC Acquired Loans [Member]	'	'	'
Allowance for Loan and Lease Losses [Roll Forward]	'	'	'
Beginning balance	0	0	'
Add (deduct) [Abstract]	'	'	'
Charge-offs	-75	-3,431	'
Recoveries	0	0	'
Provision for loan losses - noncovered	11	12	'
Provision for loan losses - covered	64	3,419	'
Ending Balance	0	0	'
Allowance [Abstract]	'	'	'
Ending balance: specific	0	0	'
Ending balance: collective	0	0	'
Loans [Abstract]	'	'	'
Ending balance: individually evaluated for impairment	25,782	18,483	'
Ending balance: collectively evaluated for impairment	88,427	65,792	'
FDIC Acquired Loans [Member] \| Commercial Real Estate [Member]	'	'	'
Allowance for Loan and Lease Losses [Roll Forward]	'	'	'
Beginning balance	0	0	'
Add (deduct) [Abstract]	'	'	'
Charge-offs	0	-1,114	'
Recoveries	0	0	'
Provision for loan losses - noncovered	0	0	'
Provision for loan losses - covered	0	1,114	'
Ending Balance	0	0	'
Allowance [Abstract]	'	'	'
Ending balance: specific	0	0	'
Ending balance: collective	0	0	'
Loans [Abstract]	'	'	'
Ending balance: individually evaluated for impairment	13,425	8,149	'
Ending balance: collectively evaluated for impairment	23,004	20,030	'
FDIC Acquired Loans [Member] \| Residential Real Estate[Member]	'	'	'
Allowance for Loan and Lease Losses [Roll Forward]	'	'	'
Beginning balance	0	0	'
Add (deduct) [Abstract]	'	'	'
Charge-offs	-2	-951	'
Recoveries	0	0	'
Provision for loan losses - noncovered	0	0	'
Provision for loan losses - covered	2	951	'
Ending Balance	0	0	'
Allowance [Abstract]	'	'	'
Ending balance: specific	0	0	'
Ending balance: collective	0	0	'
Loans [Abstract]	'	'	'
Ending balance: individually evaluated for impairment	4,543	3,562	'
Ending balance: collectively evaluated for impairment	49,477	31,394	'
FDIC Acquired Loans [Member] \| Construction and Land [Member]	'	'	'
Allowance for Loan and Lease Losses [Roll Forward]	'	'	'
Beginning balance	0	0	'
Add (deduct) [Abstract]	'	'	'
Charge-offs	-38	-907	'
Recoveries	0	0	'
Provision for loan losses - noncovered	11	0	'
Provision for loan losses - covered	27	907	'
Ending Balance	0	0	'
Allowance [Abstract]	'	'	'
Ending balance: specific	0	0	'
Ending balance: collective	0	0	'
Loans [Abstract]	'	'	'
Ending balance: individually evaluated for impairment	5,994	6,573	'
Ending balance: collectively evaluated for impairment	10,804	8,169	'
FDIC Acquired Loans [Member] \| Commercial and Industrial [Member]	'	'	'
Allowance for Loan and Lease Losses [Roll Forward]	'	'	'
Beginning balance	0	0	'
Add (deduct) [Abstract]	'	'	'
Charge-offs	-35	-433	'
Recoveries	0	0	'
Provision for loan losses - noncovered	0	0	'
Provision for loan losses - covered	35	433	'
Ending Balance	0	0	'
Allowance [Abstract]	'	'	'
Ending balance: specific	0	0	'
Ending balance: collective	0	0	'
Loans [Abstract]	'	'	'
Ending balance: individually evaluated for impairment	114	153	'
Ending balance: collectively evaluated for impairment	3,354	4,091	'
FDIC Acquired Loans [Member] \| Consumer and Other [Member]	'	'	'
Allowance for Loan and Lease Losses [Roll Forward]	'	'	'
Beginning balance	0	0	'
Add (deduct) [Abstract]	'	'	'
Charge-offs	0	-26	'
Recoveries	0	0	'
Provision for loan losses - noncovered	0	12	'
Provision for loan losses - covered	0	14	'
Ending Balance	0	0	'
Allowance [Abstract]	'	'	'
Ending balance: specific	0	0	'
Ending balance: collective	0	0	'
Loans [Abstract]	'	'	'
Ending balance: individually evaluated for impairment	1,706	46	'
Ending balance: collectively evaluated for impairment	1,788	2,108	'
Loans Not Covered by Loss Sharing Agreement [Member]	'	'	'
Loans not covered and loans covered by loss sharing agreements [Abstract]	'	'	'
Loans not covered by loss-sharing agreements	63,318	11,850	'
Loans Not Covered by Loss Sharing Agreement [Member] \| Commercial Real Estate [Member]	'	'	'
Loans not covered and loans covered by loss sharing agreements [Abstract]	'	'	'
Loans not covered by loss-sharing agreements	22,268	6,359	'
Loans Not Covered by Loss Sharing Agreement [Member] \| Residential Real Estate[Member]	'	'	'
Loans not covered and loans covered by loss sharing agreements [Abstract]	'	'	'
Loans not covered by loss-sharing agreements	30,134	2,110	'
Loans Not Covered by Loss Sharing Agreement [Member] \| Construction and Land [Member]	'	'	'
Loans not covered and loans covered by loss sharing agreements [Abstract]	'	'	'
Loans not covered by loss-sharing agreements	5,156	494	'
Loans Not Covered by Loss Sharing Agreement [Member] \| Commercial and Industrial [Member]	'	'	'
Loans not covered and loans covered by loss sharing agreements [Abstract]	'	'	'
Loans not covered by loss-sharing agreements	2,604	1,574	'
Loans Not Covered by Loss Sharing Agreement [Member] \| Consumer and Other [Member]	'	'	'
Loans not covered and loans covered by loss sharing agreements [Abstract]	'	'	'
Loans not covered by loss-sharing agreements	3,156	1,313	'
Loans Covered By Loss Sharing Agreement [Member]	'	'	'
Loans not covered and loans covered by loss sharing agreements [Abstract]	'	'	'
Loans covered by loss-sharing agreements	50,891	72,425	'
Loans Covered By Loss Sharing Agreement [Member] \| Commercial Real Estate [Member]	'	'	'
Loans not covered and loans covered by loss sharing agreements [Abstract]	'	'	'
Loans covered by loss-sharing agreements	14,161	21,820	'
Loans Covered By Loss Sharing Agreement [Member] \| Residential Real Estate[Member]	'	'	'
Loans not covered and loans covered by loss sharing agreements [Abstract]	'	'	'
Loans covered by loss-sharing agreements	23,886	32,846	'
Loans Covered By Loss Sharing Agreement [Member] \| Construction and Land [Member]	'	'	'
Loans not covered and loans covered by loss sharing agreements [Abstract]	'	'	'
Loans covered by loss-sharing agreements	11,642	14,248	'
Loans Covered By Loss Sharing Agreement [Member] \| Commercial and Industrial [Member]	'	'	'
Loans not covered and loans covered by loss sharing agreements [Abstract]	'	'	'
Loans covered by loss-sharing agreements	864	2,670	'
Loans Covered By Loss Sharing Agreement [Member] \| Consumer and Other [Member]	'	'	'
Loans not covered and loans covered by loss sharing agreements [Abstract]	'	'	'
Loans covered by loss-sharing agreements	$338	$841	'

FDIC_LOSS_SHARE_RECEIVABLE_Det

FDIC LOSS SHARE RECEIVABLE (Details) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
FDIC LOSS SHARE RECEIVABLE [Abstract]	'	'
Percentage of reimbursement for losses and related expenses on acquired assets, loans, and OREO from FDIC (in hundredths)	80.00%	'
FDIC Indemnification Asset [Roll Forward]	'	'
Balance, beginning of period	$60,731	$83,901
Clawback liability reclassified from asset	703	'
Decrease in expected losses on covered assets	-371	-1,042
Accretion included in interest income	-9,293	-5,028
Reimbursements from the FDIC	-10,464	-17,100
Balance, end of period	$41,306	$60,731

OTHER_REAL_ESTATE_OWNED_OREO_D

OTHER REAL ESTATE OWNED (OREO) (Details) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Other real estate owned [Roll Forward]	'	'
Balance, beginning of period	$3,242	$3,362
Acquired in Frontier acquisition	786	'
Additions	2,430	2,695
Sales	-2,611	-2,366
Writedowns	-365	-449
Balance, end of period	3,482	3,242
Other Real Estate, Covered [Roll Forward]	'	'
Balance, beginning of period	9,467	10,047
Acquired in Frontier acquisition	0	'
Additions	4,873	8,152
Sales	-6,571	-7,969
Writedowns	-716	-763
Balance, end of period	7,053	9,467
Other Real Estate, Total [Roll Forward]	'	'
Balance, beginning of period	12,709	13,409
Acquired in Frontier acquisition	786	'
Additions	7,303	10,847
Sales	-9,182	-10,335
Writedowns	-1,081	-1,212
Balance, end of period	$10,535	$12,709

FAIR_VALUE_MEASUREMENTS_Detail

FAIR VALUE MEASUREMENTS (Details) (USD $)	12 Months Ended
FAIR VALUE MEASUREMENTS (Details) (USD $)	Dec. 31, 2013		Dec. 31, 2012		Dec. 31, 2011
Available for sale investment securities [Abstract]	'		'		'
Total available for sale investment securities	$294,299,000		$221,406,000		'
Total gains (losses) included in earnings [Abstract]	'		'		'
Unobservable input utilized in the determination of fair value (in hundredths)	80.00%		'		'
Items Measured at Fair Value Pursuant to Election of the Fair Value Option [Abstract]	'		'		'
Gain on Mortgage loans held for sale	2,620,000		618,000		'
Difference between the aggregate fair value and the aggregate unpaid principal balance [Abstract]	'		'		'
Loans held for sale, Aggregate Fair Value	110,669,000		15,608,000		'
Loans held for sale, Aggregate Unpaid Principal Balance with Escrow Under FVO	109,193,000		15,277,000		'
Loans held for sale, Fair Value Over/(Under) unpaid Principal	1,476,000		331,000		'
Assets [Abstract]	'		'		'
Impaired Loans	11,418,000		14,684,000		13,275,000
OREO	3,482,000		3,242,000		3,362,000
Covered OREO	7,053,000		9,467,000		10,047,000
Mortgage servicing rights (MSR)	202,000		'		'
Total Carrying Value [Member]	'		'		'
Quantitative Information [Abstract]	'		'		'
Fair Value	886,594,000		779,767,000		'
Recurring [Member] \| Total Carrying Value [Member]	'		'		'
Available for sale investment securities [Abstract]	'		'		'
U.S. Government sponsored agencies (GSEs)	53,572,000		21,019,000		'
State and municipal securities	50,814,000		41,573,000		'
Corporate debt securities	'		1,020,000		'
GSE residential mortgage-backed securities	189,269,000		157,497,000		'
Equity securities	644,000		297,000		'
Total available for sale investment securities	294,299,000		221,406,000		'
Mortgage loans held for sale	110,669,000		15,608,000		'
Interest rate swap - cash flow hedge	2,350,000		'		'
Other assets	1,762,000	[1]	287,000	[1]	'
Total assets at fair value	409,080,000		237,301,000		'
Liabilities [Abstract]	'		'		'
Interest rate swap - cash flow hedge	'		2,158,000		'
Total liabilities at fair value	0		2,158,000		'
Nonrecurring [Member] \| Total Carrying Value [Member]	'		'		'
Assets [Abstract]	'		'		'
Impaired Loans	11,418,000	[2]	14,684,000	[2]	'
OREO	3,482,000		3,242,000		'
Covered OREO	7,053,000		9,467,000		'
Mortgage servicing rights (MSR)	202,000		'		'
Total	22,155,000		27,393,000		'
Other Assets [Member]	'		'		'
Reconciliation of all assets and liabilities measured at fair value on a recurring basis [Abstract]	'		'		'
Beginning Balance	287,000	[3],[4]	0	[3]	'
Total gains (losses) included in earnings [Abstract]	'		'		'
Mortgage IRLCs	266,000	[3],[5]	285,000	[3],[5]	'
Mortgage securities forward commitments	1,209,000	[3],[5]	2,000	[3],[5]	'
Ending Balance	1,762,000	[3],[4]	287,000	[3],[4]	'
Impaired Loans [Member]	'		'		'
Quantitative Information [Abstract]	'		'		'
Fair Value	11,418,000		'		'
Valuation Technique	'Discounted appraisals	[6]	'		'
Unobservable Input	'Appraisal adjustments	[7]	'		'
Impaired Loans [Member] \| Maximum [Member]	'		'		'
Quantitative Information [Abstract]	'		'		'
Discount rate (in hundredths)	100.00%		'		'
Impaired Loans [Member] \| Minimum [Member]	'		'		'
Quantitative Information [Abstract]	'		'		'
Discount rate (in hundredths)	0.00%		'		'
Impaired Loans [Member] \| Weighted Average [Member]	'		'		'
Quantitative Information [Abstract]	'		'		'
Discount rate (in hundredths)	73.00%		'		'
OREO [Member]	'		'		'
Quantitative Information [Abstract]	'		'		'
Fair Value	3,482,000		'		'
Valuation Technique	'Discounted appraisals	[6]	'		'
Unobservable Input	'Appraisal adjustments	[7]	'		'
OREO [Member] \| Maximum [Member]	'		'		'
Quantitative Information [Abstract]	'		'		'
Discount rate (in hundredths)	100.00%		'		'
OREO [Member] \| Minimum [Member]	'		'		'
Quantitative Information [Abstract]	'		'		'
Discount rate (in hundredths)	0.00%		'		'
OREO [Member] \| Weighted Average [Member]	'		'		'
Quantitative Information [Abstract]	'		'		'
Discount rate (in hundredths)	77.00%		'		'
Covered OREO [Member]	'		'		'
Quantitative Information [Abstract]	'		'		'
Fair Value	7,053,000		'		'
Valuation Technique	'Discounted appraisals	[6]	'		'
Unobservable Input	'Appraisal adjustments	[7]	'		'
Covered OREO [Member] \| Maximum [Member]	'		'		'
Quantitative Information [Abstract]	'		'		'
Discount rate (in hundredths)	100.00%		'		'
Covered OREO [Member] \| Minimum [Member]	'		'		'
Quantitative Information [Abstract]	'		'		'
Discount rate (in hundredths)	0.00%		'		'
Covered OREO [Member] \| Weighted Average [Member]	'		'		'
Quantitative Information [Abstract]	'		'		'
Discount rate (in hundredths)	67.00%		'		'
MSR Discount rate [Member]	'		'		'
Quantitative Information [Abstract]	'		'		'
Fair Value	202,000		'		'
Valuation Technique	'Discounted cash flows		'		'
Unobservable Input	'Discount rate		'		'
Discount rate (in hundredths)	10.00%		'		'
MSR Prepayment Speeds [Member]	'		'		'
Quantitative Information [Abstract]	'		'		'
Unobservable Input	'Prepayment Speeds		'		'
Prepayment Speeds (in hundredths)	9.00%		'		'
Level 1 [Member]	'		'		'
Quantitative Information [Abstract]	'		'		'
Fair Value	38,183,000		43,692,000		'
Level 1 [Member] \| Recurring [Member]	'		'		'
Available for sale investment securities [Abstract]	'		'		'
U.S. Government sponsored agencies (GSEs)	0		0		'
State and municipal securities	0		0		'
Corporate debt securities	'		0		'
GSE residential mortgage-backed securities	0		0		'
Equity securities	439,000		93,000		'
Total available for sale investment securities	439,000		93,000		'
Mortgage loans held for sale	0		0		'
Interest rate swap - cash flow hedge	0		'		'
Other assets	0	[1]	0	[1]	'
Total assets at fair value	439,000		93,000		'
Liabilities [Abstract]	'		'		'
Interest rate swap - cash flow hedge	'		0		'
Total liabilities at fair value	0		0		'
Level 1 [Member] \| Nonrecurring [Member]	'		'		'
Assets [Abstract]	'		'		'
Impaired Loans	0	[2]	0	[2]	'
OREO	0		0		'
Covered OREO	0		0		'
Mortgage servicing rights (MSR)	0		'		'
Total	0		0		'
Level 2 [Member]	'		'		'
Quantitative Information [Abstract]	'		'		'
Fair Value	0		0		'
Level 2 [Member] \| Recurring [Member]	'		'		'
Available for sale investment securities [Abstract]	'		'		'
U.S. Government sponsored agencies (GSEs)	53,572,000		21,019,000		'
State and municipal securities	50,814,000		41,573,000		'
Corporate debt securities	'		1,020,000		'
GSE residential mortgage-backed securities	189,269,000		157,497,000		'
Equity securities	205,000		204,000		'
Total available for sale investment securities	293,860,000		221,313,000		'
Mortgage loans held for sale	110,669,000		15,608,000		'
Interest rate swap - cash flow hedge	2,350,000		'		'
Other assets	0	[1]	0	[1]	'
Total assets at fair value	406,879,000		236,921,000		'
Liabilities [Abstract]	'		'		'
Interest rate swap - cash flow hedge	'		2,158,000		'
Total liabilities at fair value	0		2,158,000		'
Level 2 [Member] \| Nonrecurring [Member]	'		'		'
Assets [Abstract]	'		'		'
Impaired Loans	0	[2]	0	[2]	'
OREO	0		0		'
Covered OREO	0		0		'
Mortgage servicing rights (MSR)	0		'		'
Total	0		0		'
Level 3 [Member]	'		'		'
Quantitative Information [Abstract]	'		'		'
Fair Value	860,217,000		745,514,000		'
Level 3 [Member] \| Recurring [Member]	'		'		'
Available for sale investment securities [Abstract]	'		'		'
U.S. Government sponsored agencies (GSEs)	0		0		'
State and municipal securities	0		0		'
Corporate debt securities	'		0		'
GSE residential mortgage-backed securities	0		0		'
Equity securities	0		0		'
Total available for sale investment securities	0		0		'
Mortgage loans held for sale	0		0		'
Interest rate swap - cash flow hedge	0		'		'
Other assets	1,762,000	[1]	287,000	[1]	'
Total assets at fair value	1,762,000		287,000		'
Liabilities [Abstract]	'		'		'
Interest rate swap - cash flow hedge	'		0		'
Total liabilities at fair value	0		0		'
Level 3 [Member] \| Nonrecurring [Member]	'		'		'
Assets [Abstract]	'		'		'
Impaired Loans	11,418,000	[2]	14,684,000	[2]	'
OREO	3,482,000		3,242,000		'
Covered OREO	7,053,000		9,467,000		'
Mortgage servicing rights (MSR)	202,000		'		'
Total	$22,155,000		$27,393,000		'

[1]	This amount includes mortgage related interest rate lock commitments and mortgage derivative financial instruments to hedge interest rate risk for mortgage loans held for sale. Interest rate lock commitments were recorded on a gross basis.
[2]	Amounts represent the fair value of collateral for impaired loans allocated to the allowance for loan and lease losses. Fair values are determined using independent third party valuations and borrower records, discounted as appropriate (Level 3).
[3]	Includes mortgage related IRLCs and derivative financial instruments entered into to hedge interest rate risk.
[4]	Represents the amount included in earnings attributable to the changes in unrealized gains/losses relating to IRLCs and derivatives still held at period end.
[5]	Amounts included in earnings are recorded in mortgage banking activities.
[6]	Fair value is generally based on appraisals of the underlying collateral.
[7]	Appraisals may be adjusted by management for customized discounting criteria, estimated sales costs, and proprietary qualitative adjustments such as historical loss experience on the type of collateral.

FAIR_VALUE_MEASUREMENTS_CARRYI

FAIR VALUE MEASUREMENTS, CARRYING AMOUNT IN ESTIMATED FAIR VALUE (Details) (USD $)	Dec. 31, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Total Carrying Value [Member]	'	'
Assets [Abstract]	'	'
Cash and short-term investments	$38,183	$43,692
Other Investments	8,352	5,340
Loans, excluding covered loans	747,862	597,579
Covered loans	50,891	72,425
FDIC loss-share receivable	41,306	60,731
Total assets at fair value	886,594	779,767
Liabilities [Abstract]	'	'
Deposits	1,076,421	869,554
Federal funds purchased and securities sold under repurchase agreements	37,648	33,219
Other borrowings	131,394	60,000
Total liabilities at fair value	1,245,463	962,773
Fair Value [Member]	'	'
Assets [Abstract]	'	'
Cash and short-term investments	38,183	43,692
Other Investments	8,352	5,340
Loans, excluding covered loans	759,668	607,018
Covered loans	50,891	72,425
FDIC loss-share receivable	41,306	60,731
Total assets at fair value	898,400	789,206
Liabilities [Abstract]	'	'
Deposits	1,066,943	862,726
Federal funds purchased and securities sold under repurchase agreements	39,661	32,812
Other borrowings	122,937	63,985
Total liabilities at fair value	1,229,541	959,523
Level 1 [Member]	'	'
Assets [Abstract]	'	'
Cash and short-term investments	38,183	43,692
Other Investments	0	0
Loans, excluding covered loans	0	0
Covered loans	0	0
Total assets at fair value	38,183	43,692
Liabilities [Abstract]	'	'
Deposits	0	0
Federal funds purchased and securities sold under repurchase agreements	39,661	32,812
Other borrowings	0	0
Total liabilities at fair value	39,661	32,812
Level 2 [Member]	'	'
Assets [Abstract]	'	'
Cash and short-term investments	0	0
Other Investments	0	0
Loans, excluding covered loans	0	0
Covered loans	0	0
FDIC loss-share receivable	0	0
Total assets at fair value	0	0
Liabilities [Abstract]	'	'
Deposits	0	0
Federal funds purchased and securities sold under repurchase agreements	0	0
Other borrowings	0	0
Total liabilities at fair value	0	0
Level 3 [Member]	'	'
Assets [Abstract]	'	'
Cash and short-term investments	0	0
Other Investments	8,352	5,340
Loans, excluding covered loans	759,668	607,018
Covered loans	50,891	72,425
FDIC loss-share receivable	41,306	60,731
Total assets at fair value	860,217	745,514
Liabilities [Abstract]	'	'
Deposits	1,066,943	862,726
Federal funds purchased and securities sold under repurchase agreements	0	0
Other borrowings	122,937	63,985
Total liabilities at fair value	$1,189,880	$926,711

DERIVATIVE_FINANCIAL_INSTRUMEN2

DERIVATIVE FINANCIAL INSTRUMENTS (Details) (USD $)	12 Months Ended		12 Months Ended
	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2013	Mar. 31, 2012	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2013	Dec. 31, 2012
	Dec. 31, 2013	Dec. 31, 2012	Interest Rate Swap Agreement [Member]	Interest Rate Swap Agreement [Member]	Mortgage-Backed Securities Forward Commitments [Member]	Mortgage-Backed Securities Forward Commitments [Member]	Best Efforts Sale Commitments [Member]	Best Efforts Sale Commitments [Member]
Derivative [Line Items]	'	'	'	'	'	'	'	'
Derivative notional amount	'	'	'	$50,000,000	'	'	'	'
Derivative inception date	'	'	1-Feb-16	'	'	'	'	'
Derivative, maturity date	'	'	1-Feb-24	'	'	'	'	'
Reported gain on cash flow hedge, net	'	'	1,400,000	'	'	'	'	'
Cash flow hedge Assets in other assets	'	'	2,400,000	'	'	'	'	'
Net gain on all derivatives commitments	1.5	'	'	'	'	'	'	'
Notional amounts of outstanding derivative positions [Abstract]	'	'	'	'	'	'	'	'
Notional amount of derivatives commitments	$147,418,000	$31,866,000	'	'	$128,000,000	$13,500,000	$19,418,000	$18,366,000

SEGMENT_INFORMATION_Details

SEGMENT INFORMATION (Details) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Segment Reporting Information [Line Items]	'	'	'
Net interest income	$58,266	$47,125	$29,099
Provision for loan losses	1,735	5,930	2,895
Noninterest income	18,414	14,399	17,467
Noninterest expense	58,951	46,252	38,746
Income tax expense (benefit)	4,679	2,585	1,100
Net income	11,315	6,757	3,825
Assets	1,380,925	1,097,506	1,089,852
Bank [Member]	'	'	'
Segment Reporting Information [Line Items]	'	'	'
Net interest income	57,803	46,942	28,941
Provision for loan losses	1,735	5,930	2,895
Noninterest income	7,876	8,847	15,153
Noninterest expense	46,409	39,870	34,619
Income tax expense (benefit)	5,219	2,825	1,479
Net income	12,316	7,164	5,101
Assets	1,246,044	1,064,394	1,057,442
Mortgage Banking [Member]	'	'	'
Segment Reporting Information [Line Items]	'	'	'
Net interest income	463	183	158
Provision for loan losses	0	0	0
Noninterest income	10,509	5,542	2,299
Noninterest expense	11,563	5,352	3,210
Income tax expense (benefit)	-183	116	-23
Net income	-408	257	-730
Assets	120,716	16,382	7,789
Holding Company [Member]	'	'	'
Segment Reporting Information [Line Items]	'	'	'
Net interest income	0	0	0
Provision for loan losses	0	0	0
Noninterest income	29	10	15
Noninterest expense	979	1,030	917
Income tax expense (benefit)	-357	-356	-356
Net income	-593	-664	-546
Assets	$14,165	$16,730	$24,621

ACQUISITION_ACTIVITY_Details

ACQUISITION ACTIVITY (Details) (USD $)

12 Months Ended

1 Months Ended

3 Months Ended

1 Months Ended

0 Months Ended

3 Months Ended

0 Months Ended

Dec. 31, 2013

Dec. 31, 2012

Dec. 31, 2011

Jun. 30, 2012

Feb. 18, 2011

Jun. 30, 2011

Feb. 18, 2011

Aug. 19, 2011

Mar. 08, 2013

Jun. 30, 2013

Dec. 31, 2013

Mar. 08, 2013

Single Branch of AB&T National Bank [Member]

Citizens Bank of Effingham [Member]

First Southern National Bank [Member]

Frontier Bank [Member]

Fair Value and Other Adjustments [Member]

As Recorded by Heritage Financial Group [Member]

Construction and Land [Member]

Commercial Real Estate [Member]

Residential Real Estate [Member]

Farmland [Member]

Consumer [Member]

Commercial and Industrial Loans [Member]

Construction and Land [Member]

Commercial Real Estate [Member]

Residential Real Estate [Member]

Farmland [Member]

Consumer [Member]

Commercial and Industrial Loans [Member]

Fair Value and Other Adjustments [Member]

As Recorded by Heritage Financial Group [Member]

Assets acquired and liabilities assumed [Line Items]

Date of acquisition agreement

30-Jun-12

18-Feb-11

19-Aug-11

8-Mar-13

Acquired specific assets net of liabilities at a discount to book value

$25,100,000

$16,300,000

$34,800,000

Cash payment received from FDIC

24,000,000

3,400,000

97,500,000

Percentage of reimbursement for losses and related expenses on acquired assets, loans, and OREO from FDIC (in hundredths)

80.00%

Fair value of fixed assets purchased after acquisition date

5,000,000

Assets Acquired [Abstract]

Cash and cash equivalents

146,000

5,685,000

[1]

5,831,000

33,900,000

6,264,000

55,660,000

97,519,000

[2]

153,179,000

Premises and equipment

1,741,000

Securities available for sale

294,299,000

221,406,000

13,386,000

22,295,000

22,241,000

FHLB and other bank stock

1,897,000

Loans

10,890,000

-117,000

[3]

10,773,000

72,720,000

68,084,000

98,041,000

-24,715,000

[4]

73,326,000

Other real estate owned

7,540,000

4,669,000

1,620,000

-834,000

[5]

786,000

Estimated reimbursement from the FDIC

58,164,000

30,464,000

Core deposit intangibles

168,000

[6]

168,000

1,895,000

850,000

625,000

[6]

625,000

Other assets

43,000

2,245,000

3,694,000

1,788,000

Total assets acquired

12,820,000

5,736,000

[7]

18,556,000

189,850,000

136,320,000

181,247,000

72,595,000

253,842,000

Cash paid to settle the acquisition

24,000,000

3,540,000

Fair value of assets acquired

213,850,000

139,860,000

Average Maturity (Years) [Abstract]

Securities available for sale

'4 years 2 months 12 days

'9 years 3 months 25 days

Loans Receivable

'1 year 4 months 2 days

'6 years 3 months

Effective yield/cost [Abstract]

Securities available for sale (in hundredths)

1.49%

3.29%

Loan (in hundredth)

4.53%

5.38%

Average life of the deposit base (in years)

'10 years

Bargain purchase gain

4,188,000

-56,000

4,217,000

34,000

1,400,000

1,200,000

2,514,000

Liabilities [Abstract]

Noninterest-bearing deposits

1,636,000

23,683,000

Interest-bearing deposits

16,810,000

50,000

[8]

16,860,000

187,896,000

507,000

[8]

188,403,000

Other borrowings

32,068,000

5,210,000

[9]

37,278,000

Deferred tax liability

1,675,000

[10]

1,675,000

Deposits

1,076,421,000

869,554,000

206,276,000

137,212,000

Other liabilities

26,000

6,174,000

1,448,000

289,000

Total liabilities

18,472,000

50,000

[7]

18,522,000

243,936,000

7,392,000

251,328,000

Liabilities assumed over assets acquired

62,689,000

Aggregate fair value adjustments

65,203,000

Gain (loss) on acquisitions, net

4,188,000

-56,000

4,217,000

34,000

1,400,000

1,200,000

2,514,000

Fair value of liabilities assumed

212,450,000

138,660,000

Net assets acquired/ Gained from acquisition

4,188,000

-56,000

4,217,000

34,000

1,400,000

1,200,000

2,514,000

Average Maturity (years) [Abstract]

Deposits

'1 year 3 months 4 days

'0 years 8 months 12 days

Effective Yield/Cost [Abstract]

Deposits (in hundredths)

1.58%

1.08%

Amount covered [Abstract]

Loans

131,256,000

99,197,000

OREO

7,053,000

9,467,000

10,047,000

21,663,000

8,645,000

Total

152,919,000

107,842,000

Fair value [Abstract]

Loans

66,671,000

68,084,000

OREO

7,540,000

4,669,000

Total

74,211,000

72,753,000

SF certificate (10 years for losses) [Abstract]

Loans

22,744,000

20,651,000

OREO

7,080,000

Total

22,744,000

27,731,000

Non SF certificate (5 year for losses) [Abstract]

Loans

108,512,000

78,546,000

OREO

21,663,000

1,565,000

Total

130,175,000

80,111,000

Loans portfolio acquired at fair value [Abstract]

Loans With Deterioration of Credit Quality

17,170,000

5,641,000

4,635,000

3,804,000

1,272,000

31,000

1,787,000

9,583,000

4,888,000

2,517,000

2,058,000

44,000

76,000

Loans without deterioration of credit quality

55,550,000

7,454,000

15,551,000

14,936,000

2,362,000

3,604,000

11,643,000

58,501,000

3,604,000

9,814,000

26,302,000

4,709,000

5,175,000

8,897,000

Total loans, at Fair Value

72,720,000

13,095,000

20,186,000

18,740,000

3,634,000

3,635,000

13,430,000

68,084,000

8,492,000

12,331,000

28,360,000

4,709,000

5,219,000

8,973,000

Purchased loans accounted for under ASC topic 310 30 [Abstract]

Contractually-required principal and interest

203,695,000

172,568,000

127,042,000

Non-accretable difference

-63,694,000

-36,994,000

Cash flows expected to be collected

166,950,000

108,874,000

90,048,000

Accretable yield

-36,154,000

-21,964,000

Fair value of loans accounted for under ASC 310-30

72,720,000

68,084,000

Fair value of assets purchased from FDIC

$3,200,000

$5,000,000

Period that fair value estimates are subject to change

'1 year

[1]

The adjustment represents the cash received from AB&T to reflect the acquisition of excess liabilities assumed over assets purchased.

[2]

The adjustment represents the cash received from the FDIC to reflect the acquisition of excess liabilities assumed over assets acquired and the asset purchase discount.

[3]

The adjustment represents the adjustment to fair market value of the loans assumed in the transaction.

[4]

The adjustment reflects fair value adjustments based on the evaluation of the acquired loan portfolio. The fair value adjustment includes adjustments for estimated credit losses, liquidity and servicing costs.

[5]

The adjustment represents the estimated credit losses in the acquired other real estate owned.

[6]

The adjustment represents the consideration paid for the value of the core deposit base assumed in the acquisition. The core deposit asset was recorded as an identifiable intangible asset and will be amortized on an accelerated basis over the average life of the deposit base, estimated to be ten years.

[7]

The difference in total assumed assets and liabilities represents the $34,000 bargain purchase gain recognized in the second quarter 2012.

[8]

The adjustment is necessary because the weighted average interest rate of the CD's acquired exceeded the cost of similar funding at the time of acquisition. The fair value adjustment will be amortized to reduce interest expense on a declining basis over the average life of the portfolio.

[9]

The adjustment is necessary because the weighted average interest rate of the other borrowings assumed exceeded the cost of similar funding at the time of acquisition. The fair value adjustment will be amortized to reduce interest expense on a declining basis over the average life of the borrowings.

[10]

The amount represents the deferred tax liability recorded as a result of the recorded gain on acquisition.

ACCRUED_INTEREST_RECEIVABLE_De

ACCRUED INTEREST RECEIVABLE (Details) (USD $)	Dec. 31, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
ACCRUED INTEREST RECEIVABLE [Abstract]	'	'
Loans	$3,262	$2,599
Other interest earning assets	5	2
GSE residential mortgage-backed securities	547	500
Other investment securities	674	500
Subtotal, securities	1,221	1,000
Accrued interest receivable	$4,488	$3,601

PREMISES_AND_EQUIPMENT_Details

PREMISES AND EQUIPMENT (Details) (USD $)

12 Months Ended

3 Months Ended

Dec. 31, 2013

Dec. 31, 2012

Dec. 31, 2011

Dec. 31, 2013

Dec. 31, 2012

Dec. 31, 2013

Dec. 31, 2012

Dec. 31, 2013

Dec. 31, 2012

Dec. 31, 2013

Dec. 31, 2012

Location

Frontier Bank [Member]

Guyton, Georgia [Member]

Albany, GA [Member]

Land and Improvements [Member]

Building [Member]

Furniture and Equipment [Member]

Construction in Progress [Member]

Agreements

Premises and Equipment [Line Items]

Premises and equipment, gross

$55,065,000

$47,615,000

$12,571,000

$10,970,000

$24,758,000

$21,667,000

$17,699,000

$14,978,000

$37,000

Accumulated depreciation

-17,087,000

-14,600,000

Premises and equipment, net

37,978,000

33,015,000

Premises held for sale

275,000

1,538,000

275,000

1,100,000

Depreciation and amortization expense

2,600,000

2,100,000

1,500,000

Fair value of assets purchased from FDIC

5,000,000

Proceeds from sale of asset held for sale

900,000

Loss from sale asset held for sale

226,000

Impairment loss on assets held for sale

328,000

190,000

Leases [Abstract]

Number of service branch locations

Number of mortgage office locations

Number of investment offices

Number of ATM leasing agreements

Number of lease agreements in Columbus and John's creek, Georgia as part of mortgage loan production expansion

Lease agreement term for Childersburg Branch location

'18 months

Term of lease agreement, minimum

'5 years

Term of lease agreement, maximum

'6 years

Average term of lease agreements

'36 months

Renewal term of lease agreement

'7 years

Years of assigned land lease agreement associated with branch office in Ocala, Florida

'99 years

Remaining life of assigned land lease

'59 years

Rental expense under all operating leases

1,200,000

986,000

543,000

Future minimum lease commitments on noncancelable operating leases [Abstract]

2014

861,000

2015

862,000

2016

764,000

2017

690,000

2018

640,000

Thereafter

1,871,000

Total

$5,688,000

GOODWILL_AND_INTANGIBLE_ASSETS2

GOODWILL AND INTANGIBLE ASSETS (Details) (USD $)	12 Months Ended
GOODWILL AND INTANGIBLE ASSETS (Details) (USD $)	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
GOODWILL AND INTANGIBLE ASSETS [Abstract]	'	'	'
Goodwill recorded on Lake City branch acquisition	$552,000	$552,000	'
Goodwill impairment loss	0	'	'
Finite-Lived Intangible Assets [Line Items]	'	'	'
Gross Carrying Amount, Core deposit intangibles	6,057,000	5,432,000	'
Accumulated Amortization, Core deposit intangibles	2,557,000	1,749,000	'
Estimated amortization expenses for the next five years [Abstract]	'	'	'
2014	757,000	'	'
2015	689,000	'	'
2016	621,000	'	'
2017	553,000	'	'
2018	485,000	'	'
2019 and beyond	395,000	'	'
Total	3,500,000	'	'
Amortization expense recorded	809,000	781,000	692,000
Residential mortgage loans with unpaid principal balances sold	20,800,000	'	'
Mortgage servicing rights at fair value	208,000	'	'
Mortgage servicing rights at carrying value	202,000	'	'
Weighted average servicing fee of residential mortgage loans (in hundredths)	0.25%	'	'
The Tattnall Bank [Member]	'	'	'
Finite-Lived Intangible Assets [Line Items]	'	'	'
Gross Carrying Amount, Core deposit intangibles	263,000	263,000	'
Accumulated Amortization, Core deposit intangibles	128,000	101,000	'
Lake City, Florida, Branch [Member]	'	'	'
Finite-Lived Intangible Assets [Line Items]	'	'	'
Gross Carrying Amount, Core deposit intangibles	460,000	460,000	'
Accumulated Amortization, Core deposit intangibles	224,000	178,000	'
Park Avenue Bank Branches [Member]	'	'	'
Finite-Lived Intangible Assets [Line Items]	'	'	'
Gross Carrying Amount, Core deposit intangibles	1,912,000	1,912,000	'
Accumulated Amortization, Core deposit intangibles	849,000	651,000	'
Citizens Bank of Effingham [Member]	'	'	'
Finite-Lived Intangible Assets [Line Items]	'	'	'
Gross Carrying Amount, Core deposit intangibles	1,778,000	1,778,000	'
Accumulated Amortization, Core deposit intangibles	861,000	590,000	'
First Southern National Bank [Member]	'	'	'
Finite-Lived Intangible Assets [Line Items]	'	'	'
Gross Carrying Amount, Core deposit intangibles	850,000	850,000	'
Accumulated Amortization, Core deposit intangibles	349,000	211,000	'
Auburn, Alabama, Branch [Member]	'	'	'
Finite-Lived Intangible Assets [Line Items]	'	'	'
Gross Carrying Amount, Core deposit intangibles	169,000	169,000	'
Accumulated Amortization, Core deposit intangibles	47,000	18,000	'
Frontier Bank [Member]	'	'	'
Finite-Lived Intangible Assets [Line Items]	'	'	'
Gross Carrying Amount, Core deposit intangibles	625,000	0	'
Accumulated Amortization, Core deposit intangibles	$99,000	$0	'

DEPOSITS_Details

DEPOSITS (Details) (USD $)	12 Months Ended
DEPOSITS (Details) (USD $)	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
DEPOSITS [Abstract]	'	'	'
Aggregate amount of time deposits in denomination of $100,000 or more	$228,400,000	$160,100,000	'
Scheduled maturities of time deposits [Abstract]	'	'	'
2014	258,185,000	'	'
2015	66,501,000	'	'
2016	32,893,000	'	'
2017	12,100,000	'	'
2018 and beyond	13,668,000	'	'
Time Deposits	383,347,000	'	'
Overdraft deposit accounts reclassified to loans	574,000	316,000	'
Brokered deposits	111,500,000	56,200,000	'
Capped deposit balance	55,000,000	'	'
Amount insured per depositor by the FDIC	250,000	'	'
Interest Expense	'	'	'
Interest bearing demand	170,000	270,000	818,000
Savings and money market	1,090,000	1,139,000	2,367,000
Retail time deposits	2,453,000	3,349,000	4,178,000
Wholesale time deposits	364,000	116,000	187,000
Total	$4,077,000	$4,874,000	$7,550,000

EMPLOYEE_BENEFIT_PLANS_Details

EMPLOYEE BENEFIT PLANS (Details) (USD $)	1 Months Ended	12 Months Ended
EMPLOYEE BENEFIT PLANS (Details) (USD $)	Jun. 29, 2005	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011	Dec. 31, 2010
Changes in benefit obligations [Roll Forward]	'	'	'	'	'
Obligations at beginning of year	'	$13,191,000	$11,776,000	$9,851,000	'
Service cost	'	703,000	818,000	709,000	'
Interest cost	'	550,000	522,000	507,000	'
Benefits paid	'	-1,191,000	-1,192,000	-1,077,000	'
Actuarial (gian) loss	'	-2,559,000	1,267,000	1,786,000	'
Obligations at end of year	'	10,694,000	13,191,000	11,776,000	'
Changes in plan assets [Roll forward]	'	'	'	'	'
Fair value of assets at beginning of year	'	8,865,000	8,097,000	8,184,000	'
Actual return on assets	'	757,000	960,000	-95,000	'
Company contributions	'	250,000	1,000,000	1,085,000	'
Benefits paid	'	-1,191,000	-1,192,000	-1,077,000	'
Fair value of assets at end of year	'	8,681,000	8,865,000	8,097,000	'
Funded status at end of year, included in other liabilities	'	2,013,000	4,326,000	3,678,000	'
Pretax amounts recognized in accumulated other comprehensive income consist of [Abstract]	'	'	'	'	'
Net loss	'	2,979,000	6,191,000	5,863,000	'
Prior service cost	'	130,000	139,000	149,000	'
Total	'	3,109,000	6,330,000	6,012,000	'
Accumulated benefit obligation	'	9,139,000	10,895,000	9,736,000	'
Net periodic benefit cost [Abstract]	'	'	'	'	'
Service cost	'	703,000	819,000	709,000	'
Interest cost	'	550,000	521,000	507,000	'
Expected return on plan assets	'	-684,000	-585,000	-636,000	'
Amortization of prior losses	'	580,000	565,000	319,000	'
Amortization of service costs	'	9,000	9,000	9,000	'
Net periodic benefit cost	'	1,158,000	1,329,000	908,000	'
Other changes in plan assets and benefit obligation recognized in other comprehensive income [Abstract]	'	'	'	'	'
Current year actuarial loss	'	-2,632,000	892,000	2,516,000	'
Amortization of prior losses	'	-580,000	-565,000	-319,000	'
Amortization of prior service cost	'	-9,000	-9,000	-9,000	'
Total recognized in other comprehensive income (loss)	'	-3,221,000	318,000	2,188,000	'
Assumptions used in computations [Abstract]	'	'	'	'	'
Discount rate (in hundredths)	'	5.25%	4.25%	'	'
Rate of compensation increase (in hundredths)	'	3.00%	3.00%	'	'
In computing expected return on plan assets (in hundredths)	'	7.50%	7.50%	'	'
Defined Benefit Plan Disclosure [Line Items]	'	'	'	'	'
Expected company's contribution to plan	'	1,000,000	'	'	'
Amounts in accumulated other comprehensive income (loss) expected to be recognized as components of net periodic benefit cost [Abstract]	'	'	'	'	'
Prior service cost	'	9,000	'	'	'
Net loss	'	225,000	'	'	'
Total	'	234,000	'	'	'
Estimated future benefit payments, which reflect future service [Abstract]	'	'	'	'	'
2013	'	384,000	'	'	'
2014	'	360,000	'	'	'
2015	'	331,000	'	'	'
2016	'	524,000	'	'	'
2017	'	1,735,000	'	'	'
2018-2022	'	7,264,000	'	'	'
401K Plan [Abstract]	'	'	'	'	'
Percentage of compensation allowed to be deferred by plan (in hundredths)	'	25.00%	'	'	'
Employers matching contribution (in hundredths)	'	50.00%	'	'	'
Employee's contribution matched by employer (in hundredths)	'	4.00%	'	'	'
Total expense recorded for company's match	'	332,000	205,000	157,000	'
Employee Stock Ownership Plan (ESOP) Disclosures [Line Items]	'	'	'	'	'
ESOP compensation expense	'	853,000	669,000	620,000	'
Shares held by ESOP [Abstract]	'	'	'	'	'
Total ESOP shares (in shares)	'	332,535	385,836	'	'
ESOP [Member]	'	'	'	'	'
Employee Stock Ownership Plan (ESOP) Disclosures [Line Items]	'	'	'	'	'
Shares of common stock purchased for ESOP (in shares)	'	440,700	'	'	327,677
Number of common stock purchased for ESOP after conversion (in shares)	'	369,174	'	'	'
Period of note payable used to purchase shares for ESOP (in years)	'10 years	'	'	'	'20 years
Proceeds from note payable used to purchase ESOP shares	4,400,000	'	'	'	3,300,000
Adjusted ratio of ESOP to publicly traded shares	'	'0.8377:1 exchange ratio on publicly traded shares	'	'	'
Contributions to ESOP	'	784,000	1,000,000	726,000	'
ESOP compensation expense	'	854,000	669,000	620,000	'
Shares held by ESOP [Abstract]	'	'	'	'	'
Shares released for allocation (in shares)	'	364,316	311,014	257,713	'
Unearned (in shares)	'	332,535	385,837	439,138	'
Total ESOP shares (in shares)	'	696,851	696,851	696,851	'
Fair value of unearned shares	'	$6,401,293	$5,320,688	$5,181,828	'
Fixed Income [Member]	'	'	'	'	'
Defined Benefit Plan Disclosure [Line Items]	'	'	'	'	'
Allocation of plan assets (in hundredths)	'	25.20%	21.30%	'	'
Equity [Member]	'	'	'	'	'
Defined Benefit Plan Disclosure [Line Items]	'	'	'	'	'
Allocation of plan assets (in hundredths)	'	54.10%	37.70%	'	'
Balanced [Member]	'	'	'	'	'
Defined Benefit Plan Disclosure [Line Items]	'	'	'	'	'
Allocation of plan assets (in hundredths)	'	14.50%	26.10%	'	'
Cash and Cash Equivalents [Member]	'	'	'	'	'
Defined Benefit Plan Disclosure [Line Items]	'	'	'	'	'
Allocation of plan assets (in hundredths)	'	4.40%	13.10%	'	'
Other [Member]	'	'	'	'	'
Defined Benefit Plan Disclosure [Line Items]	'	'	'	'	'
Allocation of plan assets (in hundredths)	'	1.80%	1.80%	'	'

DEFERRED_COMPENSATION_PLANS_De

DEFERRED COMPENSATION PLANS (Details) (USD $)	12 Months Ended
DEFERRED COMPENSATION PLANS (Details) (USD $)	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Deferred Compensation Arrangement with Individual, Excluding Share-based Payments and Postretirement Benefits [Line Items]	'	'	'
Cash surrender value of life insurance policies	$24,200,000	$23,400,000	'
Investment in cash surrender value of BOLI, maximum (in hundredths)	25.00%	'	'
Accrued deferred compensation included in other liabilities	255,000	3,100,000	'
Deferred salary included in other liability	923,000	814,000	'
Aggregate compensation expense	59,000	49,000	42,000
Distributions paid	$2,800,000	'	'
Maximum [Member]	'	'	'
Deferred Compensation Arrangement with Individual, Excluding Share-based Payments and Postretirement Benefits [Line Items]	'	'	'
Period for distributions in connection with the termination of the deferred compensation plan agreement	'24 months	'	'
Minimum [Member]	'	'	'
Deferred Compensation Arrangement with Individual, Excluding Share-based Payments and Postretirement Benefits [Line Items]	'	'	'
Period for distributions in connection with the termination of the deferred compensation plan agreement	'12 months	'	'

FEDERAL_FUNDS_PURCHASED_AND_SE2

FEDERAL FUNDS PURCHASED AND SECURITIES SOLD UNDER REPURCHASE AGREEMENTS (Details) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Federal Funds Purchased and Securities Sold Under Repurchase Agreements [Line Items]	'	'
Federal funds purchased and securities sold under repurchase agreements	$37,648	$33,219
Federal Funds Purchased From Chattahoochee Bank and First Tennessee Bank [Member]	'	'
Federal Funds Purchased and Securities Sold Under Repurchase Agreements [Line Items]	'	'
Federal funds purchased and securities sold under repurchase agreements	2,372	417
Maturity date, description	'maturing daily	'
Federal Funds Purchased From Chattahoochee Bank and First Tennessee Bank [Member] \| Minimum [Member]	'	'
Federal Funds Purchased and Securities Sold Under Repurchase Agreements [Line Items]	'	'
Interest rate at end of the day (in hundredths)	0.15%	'
Federal Funds Purchased From Chattahoochee Bank and First Tennessee Bank [Member] \| Maximum [Member]	'	'
Federal Funds Purchased and Securities Sold Under Repurchase Agreements [Line Items]	'	'
Interest rate at end of the day (in hundredths)	1.00%	'
Sold in Overnight Agreement [Member]	'	'
Federal Funds Purchased and Securities Sold Under Repurchase Agreements [Line Items]	'	'
Federal funds purchased and securities sold under repurchase agreements	5,276	2,802
Maturity date, description	'one to four days	'
Sold in Structured Agreement Due January 25, 2018 [Member]	'	'
Federal Funds Purchased and Securities Sold Under Repurchase Agreements [Line Items]	'	'
Federal funds purchased and securities sold under repurchase agreements	5,000	5,000
Fixed interest rate (in hundredths)	3.78%	'
Federal funds purchased and security sold, Maturity dates	25-Jan-18	'
Sold in Structured Agreement Due March 3, 2018 [Member]	'	'
Federal Funds Purchased and Securities Sold Under Repurchase Agreements [Line Items]	'	'
Federal funds purchased and securities sold under repurchase agreements	5,000	5,000
Fixed interest rate (in hundredths)	3.45%	'
Federal funds purchased and security sold, Maturity dates	3-Mar-18	'
Securities Sold in Structured Agreement Due March 3, 2018 on variable rate basis [Member]	'	'
Federal Funds Purchased and Securities Sold Under Repurchase Agreements [Line Items]	'	'
Federal funds purchased and securities sold under repurchase agreements	5,000	5,000
Variable interest rate (in hundredths)	4.37%	'
Federal funds purchased and security sold, Maturity dates	3-Mar-18	'
Interest rate terms	'variable rate, that resets quarterly at December 31, 2012	'
Sold in Structured Agreement Due March 8, 2017 [Member]	'	'
Federal Funds Purchased and Securities Sold Under Repurchase Agreements [Line Items]	'	'
Federal funds purchased and securities sold under repurchase agreements	10,000	10,000
Fixed interest rate (in hundredths)	4.85%	'
Federal funds purchased and security sold, Maturity dates	8-Mar-17	'
Sold in Structured Agreement Due August 21, 2017 [Member]	'	'
Federal Funds Purchased and Securities Sold Under Repurchase Agreements [Line Items]	'	'
Federal funds purchased and securities sold under repurchase agreements	$5,000	$5,000
Fixed interest rate (in hundredths)	4.75%	'
Federal funds purchased and security sold, Maturity dates	21-Aug-17	'

OTHER_BORROWINGS_Details

OTHER BORROWINGS (Details) (USD $)	12 Months Ended
OTHER BORROWINGS (Details) (USD $)	Dec. 31, 2013		Dec. 31, 2012
Federal Home Loan Bank, Advances [Line Items]	'		'
Other borrowings before fair value adjustment	$127,068,000		$60,000,000
Fair value adjustment	4,326,000	[1]	0	[1]
Other borrowings	131,394,000		60,000,000
Amount available for borrowings on lines with FHLB	152,300,000		'
Amount unused net credit available with the FHLB	25,200,000		'
Maturities in futures years of other borrowings [Abstract]	'		'
2014	40,068,000		'
2015	10,000,000		'
2016	27,000,000		'
2017	20,000,000		'
2018	15,000,000		'
Thereafter	15,000,000		'
Total	127,068,000		'
Available unused lines of credit with various financial institutions including FHLB	99,300,000		137,400,000
Letter of Credit [Member]	'		'
Federal Home Loan Bank, Advances [Line Items]	'		'
Amount available for borrowings on lines with FHLB	329,500,000		'
Advances from Federal Home Loan Bank Due January 16, 2014 [Member]	'		'
Federal Home Loan Bank, Advances [Line Items]	'		'
Other borrowings before fair value adjustment	15,000,000		0
Fixed interest rate (in hundredths)	0.18%		'
Maturity date	16-Jan-14		'
Advances from Federal Home Loan Bank Due January 30, 2014 [Member]	'		'
Federal Home Loan Bank, Advances [Line Items]	'		'
Other borrowings before fair value adjustment	15,000,000		0
Fixed interest rate (in hundredths)	0.17%		'
Maturity date	30-Jan-14		'
Advances from Federal Home Loan Bank Due April 15, 2014A [Member]	'		'
Federal Home Loan Bank, Advances [Line Items]	'		'
Other borrowings before fair value adjustment	24,000	[1]	0	[1]
Fixed interest rate (in hundredths)	7.67%		'
Maturity date	15-Apr-14		'
Advances from Federal Home Loan Bank Due April 15, 2014B [Member]	'		'
Federal Home Loan Bank, Advances [Line Items]	'		'
Other borrowings before fair value adjustment	44,000	[1]	0	[1]
Fixed interest rate (in hundredths)	7.67%		'
Maturity date	15-Apr-14		'
Advances From Federal Home Loan Bank, Convertible Due September 17, 2014 [Member]	'		'
Federal Home Loan Bank, Advances [Line Items]	'		'
Other borrowings before fair value adjustment	5,000,000	[2]	5,000,000	[2]
Fixed interest rate (in hundredths)	3.71%		'
Maturity date	17-Sep-14	[2]	'
Advances From Federal Home Loan Bank Due November 5, 2014 [Member]	'		'
Federal Home Loan Bank, Advances [Line Items]	'		'
Other borrowings before fair value adjustment	5,000,000		5,000,000
Fixed interest rate (in hundredths)	0.41%		'
Maturity date	5-Nov-14		'
Advances From Federal Home Loan Bank, Convertible Due August 17, 2015 [Member]	'		'
Federal Home Loan Bank, Advances [Line Items]	'		'
Other borrowings before fair value adjustment	5,000,000	[2]	5,000,000	[2]
Fixed interest rate (in hundredths)	4.23%		'
Maturity date	17-Aug-15	[2]	'
Advances From Federal Home Loan Bank Due November 5, 2015 [Member]	'		'
Federal Home Loan Bank, Advances [Line Items]	'		'
Other borrowings before fair value adjustment	5,000,000		5,000,000
Fixed interest rate (in hundredths)	0.57%		'
Maturity date	5-Nov-15		'
Advances From Federal Home Loan Bank, Convertible Due October 31, 2016 [Member]	'		'
Federal Home Loan Bank, Advances [Line Items]	'		'
Other borrowings before fair value adjustment	15,000,000	[2]	15,000,000	[2]
Fixed interest rate (in hundredths)	4.54%		'
Maturity date	31-Oct-16	[2]	'
Advances From Federal Home Loan Bank Due November 7, 2016 [Member]	'		'
Federal Home Loan Bank, Advances [Line Items]	'		'
Other borrowings before fair value adjustment	5,000,000		5,000,000
Fixed interest rate (in hundredths)	0.76%		'
Maturity date	7-Nov-16		'
Advances from Federal Home Loan Bank, Convertible Due December 6, 2016 [Member]	'		'
Federal Home Loan Bank, Advances [Line Items]	'		'
Other borrowings before fair value adjustment	7,000,000	[1],[2]	0	[1],[2]
Fixed interest rate (in hundredths)	3.90%		'
Maturity date	6-Dec-16	[1],[2]	'
Advances from Federal Home Loan Bank, Convertible Due June 26, 2017 [Member]	'		'
Federal Home Loan Bank, Advances [Line Items]	'		'
Other borrowings before fair value adjustment	10,000,000	[1],[2]	0	[1],[2]
Fixed interest rate (in hundredths)	4.81%		'
Maturity date	26-Jun-17	[1],[2]	'
Advances from Federal Home Loan Bank, Convertible Due June 29, 2017 [Member]	'		'
Federal Home Loan Bank, Advances [Line Items]	'		'
Other borrowings before fair value adjustment	5,000,000	[1],[2]	0	[1],[2]
Fixed interest rate (in hundredths)	4.64%		'
Maturity date	29-Jun-17	[1],[2]	'
Advances From Federal Home Loan Bank Due November 6, 2017 [Member]	'		'
Federal Home Loan Bank, Advances [Line Items]	'		'
Other borrowings before fair value adjustment	5,000,000		5,000,000
Fixed interest rate (in hundredths)	1.00%		'
Maturity date	6-Nov-17		'
Advances From Federal Home Loan Bank, Convertible Due July 23, 2018 [Member]	'		'
Federal Home Loan Bank, Advances [Line Items]	'		'
Other borrowings before fair value adjustment	10,000,000	[2]	10,000,000	[2]
Fixed interest rate (in hundredths)	2.74%		'
Maturity date	23-Jul-18	[2]	'
Advances From Federal Home Loan Bank Due November 5, 2018 [Member]	'		'
Federal Home Loan Bank, Advances [Line Items]	'		'
Other borrowings before fair value adjustment	5,000,000		5,000,000
Fixed interest rate (in hundredths)	1.21%		'
Maturity date	5-Nov-18		'
Advances from Federal Home Loan Bank, Convertible Due April 22, 2019 [Member]	'		'
Federal Home Loan Bank, Advances [Line Items]	'		'
Other borrowings before fair value adjustment	5,000,000	[1],[2]	0	[1],[2]
Fixed interest rate (in hundredths)	4.75%		'
Maturity date	22-Apr-19	[1],[2]	'
Advances from Federal Home Loan Bank, Convertible Due November 25, 2020 [Member]	'		'
Federal Home Loan Bank, Advances [Line Items]	'		'
Other borrowings before fair value adjustment	5,000,000	[1],[2]	0	[1],[2]
Fixed interest rate (in hundredths)	4.05%		'
Maturity date	25-Nov-20	[1],[2]	'
Advances from Federal Home Loan Bank Due March 1, 2023 [Member]	'		'
Federal Home Loan Bank, Advances [Line Items]	'		'
Other borrowings before fair value adjustment	$5,000,000		$0
Fixed interest rate (in hundredths)	2.30%		'
Maturity date	1-Mar-23		'

[1]	FHLB advances acquired with Frontier acquisition hold a fair value credit adjustment of $4.3 million which will reduce future interest expense over the life of the borrowings.
[2]	Advance is convertible from fixed to floating at the FHLB's discretion.

INCOME_TAXES_Details

INCOME TAXES (Details) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Income tax expense (benefit) in consolidated statement of operations [Abstract]	'	'	'
Current	$3,882	$1,705	$1,983
Deferred	797	880	-883
Income tax expense (benefits)	4,679	2,585	1,100
Reconciliation of income tax expense (benefit) differences [Abstract]	'	'	'
Tax at federal income tax rate	5,438	3,176	1,674
Increase (decrease) resulting from: [Abstract]	'	'	'
Tax-exempt interest	-422	-368	-283
Gain on bank owned life insurance death benefit	0	0	-11
Bank owned life insurance	-273	-262	-200
Employee stock ownership plan	24	-39	-76
Other	-88	78	-4
Provisions for income tax expense	4,679	2,585	1,100
Pre-tax income for each period	15,994	9,342	4,925
Effective Income Tax Rate, Continuing Operations, Tax Rate Reconciliation [Abstract]	'	'	'
Tax at federal income tax rate (in hundredths)	34.00%	34.00%	34.00%
Increase (decrease) resulting from:	'	'	'
Tax-exempt interest (in hundredths)	-2.64%	-3.95%	-5.75%
Gain on bank owned life insurance death benefit (in hundredths)	0.00%	0.00%	-0.22%
Bank owned life insurance (in hundredths)	-1.70%	-2.81%	-4.06%
Employee stock ownership plan (in hundredths)	0.15%	-0.42%	-1.55%
Other (in hundredths)	-0.55%	0.83%	-0.08%
Provision for income tax expense (benefits) (in hundredths)	29.26%	27.65%	22.34%
Deferred tax assets [Abstract]	'	'	'
Loan loss reserves	3,581	3,624	'
Deferred compensation	472	1,581	'
Pension liability	1,243	2,531	'
Unrealized loss (gain) on securities available for sale	4,871	-829	'
Impairment loss on securities available for sale	556	556	'
Stock-based compensation	695	593	'
Nonaccrual loans	142	126	'
Premises held for sale	131	201	'
Other real estate owned	726	665	'
Core deposit intangible	555	391	'
Deferred loans costs	104	41	'
Deferred pension costs	163	-200	'
Other	79	13	'
Deferred Tax Assets, Gross	13,318	9,293	'
Deferred tax liabilities [Abstract]	'	'	'
Bargain gain purchase	2,138	1,506	'
Depreciation and amortization	686	923	'
Unrealized gain (loss) on derivative	940	-863	'
Goodwill	59	44	'
Total	3,823	1,610	'
Net deferred tax assets	$9,495	$7,683	'

COMMITMENTS_AND_CONTINGENCIES_1

COMMITMENTS AND CONTINGENCIES (Details) (USD $)	Dec. 31, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Loan Commitments [Line Items]	'	'
Commitments	$168,078	$136,750
Commitments to Extend Credit [Member]	'	'
Loan Commitments [Line Items]	'	'
Commitments	106,179	98,492
Loan Origination Commitments [Member]	'	'
Loan Commitments [Line Items]	'	'
Commitments	59,629	36,887
Standby Letters of Credit [Member]	'	'
Loan Commitments [Line Items]	'	'
Commitments	$2,270	$1,371

CONCENTRATIONS_OF_CREDIT_Detai

CONCENTRATIONS OF CREDIT (Details) (USD $)	12 Months Ended
In Millions, unless otherwise specified	Dec. 31, 2013
Concentration Risk [Line Items]	'
Maximum loan amount internally set by management	$8
Fully Secured Loans [Member]	'
Concentration Risk [Line Items]	'
Maximum loan amount to one borrower and the borrower's related entities	21.6
All Other Loans [Member]	'
Concentration Risk [Line Items]	'
Maximum loan amount to one borrower and the borrower's related entities	$13

REGULATORY_MATTERS_Details

REGULATORY MATTERS (Details) (USD $)	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011	Dec. 31, 2010	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2013	Dec. 31, 2013	Dec. 31, 2012
REGULATORY MATTERS (Details) (USD $)	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011	Dec. 31, 2010	Heritage Bank Of The South [Member]	Heritage Bank Of The South [Member]	Heritage Financial Group [Member]	Consolidated [Member]	Consolidated [Member]
REGULATORY MATTERS [Abstract]	'	'	'	'	'	'	'	'	'
Amount available for dividend declaration without regulatory approval	$6,000,000	'	'	'	'	'	'	'	'
The company and the bank's actual capital amount and ratios [Abstract]	'	'	'	'	'	'	'	'	'
Total Capital to Risk Weighted Assets, Actual Amount	123,439,000	111,762,000	'	'	123,439,000	111,762,000	'	137,549,000	128,381,000
Tier I Capital to Risk Weighted Assets, Actual Amount	114,484,000	103,248,000	'	'	114,484,000	103,248,000	'	128,594,000	119,881,000
Tier I Capital to Average Assets, Actual Amount	'	'	'	'	114,484,000	103,248,000	128,600,000	128,594,000	119,881,000
Total Capital to Risk Weighted Assets, Actual Ratio (in hundredths)	'	'	'	'	13.20%	16.40%	'	14.50%	18.40%
Tier I Capital to Risk Weighted Assets, Actual Ratio (in hundredths)	'	'	'	'	12.20%	15.20%	'	13.50%	17.20%
Tier I Capital to Average Assets, Actual Ratio (in hundredths)	'	'	'	'	8.50%	9.60%	9.50%	9.50%	11.00%
Total Capital to Risk Weighted Assets, For Capital Adequacy Purpose, Amount	'	'	'	'	74,890,000	54,359,000	'	76,023,000	55,697,000
Tier I Capital to Risk Weighted Assets, For Capital Adequacy Purpose, Amount	'	'	'	'	37,445,000	27,180,000	'	38,012,000	27,849,000
Tier I Capital to Average Assets, For Capital Adequacy Purpose, Amount	'	'	'	'	53,711,000	43,186,000	'	54,049,000	43,498,000
Total Capital to Risk Weighted Assets, For Capital Adequacy Purposes, Ratio (in hundredths)	'	'	'	'	8.00%	8.00%	'	8.00%	8.00%
Tier I Capital to Risk Weighted Assets, For Capital Adequacy Purposes, Ratio (in hundredths)	'	'	'	'	4.00%	4.00%	'	4.00%	4.00%
Tier I Capital to Average Assets, For Capital Adequacy Purpose, Ratio (in hundredths)	'	'	'	'	4.00%	4.00%	'	4.00%	4.00%
Total Capital to Risk Weighted Assets, To Be Well Capitalized Under Prompt Corrective Action Provisions, Amount	'	'	'	'	93,613,000	67,949,000	'	'	'
Tier I Capital to Risk Weighted Assets, To Be Well Capitalized Under Prompt Corrective Action Provisions, Amount	'	'	'	'	56,167,000	40,769,000	'	'	'
Tier I Capital to Average Assets, To Be Well Capitalized Under Prompt Corrective Action Provisions, Amount	'	'	'	'	67,139,000	53,982,000	'	'	'
Total Capital to Risk Weighted Assets, To Be Well Capitalized Under Prompt Corrective Action Provisions, Ratio (in hundredths)	'	'	'	'	10.00%	10.00%	'	0.00%	0.00%
Tier I Capital to risk Weighted Assets, To Be Well Capitalized Under Prompt Corrective Action Provisions, Ratio (in hundredths)	'	'	'	'	6.00%	6.00%	'	0.00%	0.00%
Tier I Capital to Average Assets, To Be Well Capitalized Under Prompt Corrective Action Provisions, Ratio (in hundredths)	'	'	'	'	5.00%	5.00%	'	0.00%	0.00%
Total equity	125,063,000	120,649,000	124,136,000	119,340,000	'	'	125,100,000	'	'
Percentage of equity to total assets (in hundredths)	'	'	'	'	'	'	9.10%	'	'
Amount of Tier I leverage capital above the regulatory capital requirement	'	'	'	'	'	'	74,500,000	'	'
Percentage of Tier I leverage capital requirement (in hundredths)	'	'	'	'	'	'	4.00%	'	'
Percentage of portfolio assets in housing related to finance and other specified area required by qualified thrift lender test (in hundredths)	65.00%	'	'	'	'	'	'	'	'
Percentage of assets in commercial real estate and business loans required by Georgia regulations (in hundredths)	50.00%	'	'	'	'	'	'	'	'
Reconciliation of bank's capital [Abstract]	'	'	'	'	'	'	'	'	'
Total capital per balance sheet	110,954,000	104,016,000	'	'	'	'	'	'	'
Regulatory capital adjustments [Abstract]	'	'	'	'	'	'	'	'	'
Net unrealized losses (gains) on available for sale securities	7,307,000	-1,245,000	'	'	'	'	'	'	'
Accumulated net gains on cash flow hedges	455,000	5,093,000	'	'	'	'	'	'	'
Disallowed goodwill and other disallowed intangible assets	-4,050,000	-4,234,000	'	'	'	'	'	'	'
Disallowed deferred tax assets	0	-382,000	'	'	'	'	'	'	'
Disallowed servicing rights	-182,000	0	'	'	'	'	'	'	'
Total Tier 1 Capital	114,484,000	103,248,000	'	'	114,484,000	103,248,000	'	128,594,000	119,881,000
Allowance for loan and lease losses includible in Tier 2 capital	8,955,000	8,500,000	'	'	'	'	'	'	'
Unrealized gains on available for sale equity securities includible in Tier 2 capital	0	14,000	'	'	'	'	'	'	'
Total Tier 1 and 2 Capital	$123,439,000	$111,762,000	'	'	$123,439,000	$111,762,000	'	$137,549,000	$128,381,000

CONDENSED_FINANCIAL_INFORMATIO2

CONDENSED FINANCIAL INFORMATION OF HERITAGE FINANCIALGROUP, INC (PARENT COMPANY ONLY) (Details) (USD $)	12 Months Ended
	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011	Dec. 31, 2010
Assets	'	'	'	'
Cash and due from banks	$34,804,000	$23,993,000	$34,521,000	'
Other equity securities, at cost	1,010,000	1,010,000	'	'
Other assets	21,369,000	16,445,000	'	'
Total assets	1,380,925,000	1,097,506,000	1,089,852,000	'
Liabilities	'	'	'	'
Other liabilities	10,399,000	14,084,000	'	'
Stockholders' equity	125,063,000	120,649,000	124,136,000	119,340,000
Total liabilities and stockholders' equity	1,380,925,000	1,097,506,000	'	'
Income	'	'	'	'
Interest	65,651,000	54,738,000	39,449,000	'
Expense	'	'	'	'
Total noninterest expense	58,951,000	46,252,000	38,746,000	'
Income (loss) before income tax benefits and equity in undistributed earnings of subsidiary	15,994,000	9,342,000	4,925,000	'
Income tax benefits	-4,679,000	-2,585,000	-1,100,000	'
Net income	11,315,000	6,757,000	3,825,000	'
OPERATING ACTIVITIES	'	'	'	'
Net income	11,315,000	6,757,000	3,825,000	'
Adjustments to reconcile net income to net cash provided by (used in) operating activities:	'	'	'	'
Depreciation and amortization	2,615,000	2,110,000	1,522,000	'
Excess tax shortfall related to stock-based compensation plans	-34,000	-7,000	8,000	'
Total adjustments	-70,458,000	29,043,000	1,039,000	'
Net cash provided by (used in) operating activities	-59,143,000	35,800,000	4,864,000	'
INVESTING ACTIVITIES	'	'	'	'
Purchases of premises and equipment	-7,587,000	-4,311,000	-9,562,000	'
Purchases of securities available for sale	-126,686,000	-170,043,000	-135,484,000	'
Proceeds from maturities of securities available for sale	51,029,000	94,697,000	98,185,000	'
Proceeds from sale of securities available for sale	8,226,000	111,720,000	55,935,000	'
Net cash provided by (used in) investing activities	40,502,000	-26,370,000	26,731,000	'
FINANCING ACTIVITIES	'	'	'	'
Excess tax expense (benefit) related to stock-based compensation plans	34,000	7,000	-8,000	'
Proceeds for stock exercise	503,000	0	0	'
Purchase of shares, net	-5,267,000	-7,220,000	-1,310,000	'
Dividends paid to stockholders	0	-2,832,000	-987,000	'
Net cash provided by (used in) financing activities	29,452,000	-19,958,000	-25,877,000	'
Net increase (decrease) in cash and due from banks	10,811,000	-10,528,000	5,718,000	'
Cash and due from banks at beginning of year	23,993,000	34,521,000	28,803,000	'
Cash and due from banks at end of year	34,804,000	23,993,000	34,521,000	'
Parent Company [Member]	'	'	'	'
Assets	'	'	'	'
Cash and due from banks	10,181,000	13,901,000	21,686,000	'
Other equity securities, at cost	1,010,000	1,010,000	'	'
Investment in subsidiary	110,954,000	104,015,000	'	'
Premises and equipment, net	447,000	439,000	'	'
Other assets	2,526,000	1,381,000	'	'
Total assets	125,118,000	120,746,000	'	'
Liabilities	'	'	'	'
Other liabilities	55,000	97,000	'	'
Stockholders' equity	125,063,000	120,649,000	'	'
Total liabilities and stockholders' equity	125,118,000	120,746,000	'	'
Income	'	'	'	'
Dividends from subsidiary	3,710,000	2,186,000	0	'
Interest	0	0	15,000	'
Other noninterest income	30,000	11,000	0	'
Total income	3,740,000	2,197,000	15,000	'
Expense	'	'	'	'
Depreciation	16,000	14,000	14,000	'
Other expense	963,000	1,016,000	903,000	'
Total noninterest expense	979,000	1,030,000	917,000	'
Income (loss) before income tax benefits and equity in undistributed earnings of subsidiary	2,761,000	1,167,000	-902,000	'
Income tax benefits	357,000	356,000	356,000	'
Income (loss) before equity in undistributed earnings of subsidiary	3,118,000	1,523,000	-546,000	'
Equity in undistributed earnings of subsidiary	8,197,000	5,234,000	4,371,000	'
Net income	11,315,000	6,757,000	3,825,000	'
OPERATING ACTIVITIES	'	'	'	'
Net income	11,315,000	6,757,000	3,825,000	'
Adjustments to reconcile net income to net cash provided by (used in) operating activities:	'	'	'	'
Depreciation and amortization	16,000	14,000	14,000	'
Excess tax shortfall related to stock-based compensation plans	-10,000	8,000	2,000	'
Stock-based compensation expense	259,000	259,000	216,000	'
Equity in undistributed earnings of subsidiary	-8,197,000	-5,234,000	-4,371,000	'
Other operating activities	-1,178,000	-195,000	-1,079,000	'
Total adjustments	-9,110,000	-5,148,000	-5,218,000	'
Net cash provided by (used in) operating activities	2,205,000	1,609,000	-1,393,000	'
INVESTING ACTIVITIES	'	'	'	'
Contribution of 50% of proceeds of stock offering to subsidiary	0	0	-16,000	'
Contribution to subsidiary	-2,000,000	0	-7,000,000	'
Purchases of premises and equipment	-24,000	-3,000	0	'
Proceeds from maturities of securities available for sale	0	0	25,000,000	'
Proceeds from fair value transfer of securities to bank	0	0	590,000	'
Net cash provided by (used in) investing activities	-2,024,000	-3,000	18,574,000	'
FINANCING ACTIVITIES	'	'	'	'
Shares released to employee stock ownership plan	853,000	669,000	620,000	'
Excess tax expense (benefit) related to stock-based compensation plans	10,000	-8,000	-2,000	'
Proceeds for stock exercise	503,000	0	0	'
Purchase of shares, net	-5,267,000	-7,220,000	-1,310,000	'
Dividends paid to stockholders	0	-2,832,000	-987,000	'
Net cash provided by (used in) financing activities	-3,901,000	-9,391,000	-1,679,000	'
Net increase (decrease) in cash and due from banks	-3,720,000	-7,785,000	15,502,000	'
Cash and due from banks at beginning of year	13,901,000	21,686,000	6,184,000	'
Cash and due from banks at end of year	$10,181,000	$13,901,000	$21,686,000	'

STOCK_REPURCHASE_PLAN_Details

STOCK REPURCHASE PLAN (Details) (USD $)	12 Months Ended		12 Months Ended
	Dec. 31, 2013	Oct. 31, 2012	Dec. 31, 2013	Apr. 30, 2013
	Stock Repurchase Program 1 [Member]	Stock Repurchase Program 1 [Member]	Stock Repurchase Program 2 [Member]	Stock Repurchase Program 2 [Member]
Equity, Class of Treasury Stock [Line Items]	'	'	'	'
Stock authorized for repurchase (in shares)	'	397,000	'	394,000
Percentage of stock authorized for repurchase (in hundredths)	'	5.00%	'	5.00%
Stock repurchased during the period (in shares)	397,000	'	49,821	'
Weighted average price of stock repurchased (in dollars per share)	$13.95	'	$14.33	'
Cost of shares repurchased	$5,500,000	'	$714,000	'
Stock remaining authorized for repurchase (in shares)	'	'	344,179	'