Mackinac Financial (MFNC) 10-Q 13 Nov 13 2013 Q3 Quarterly report Financial data

Document_and_Entity_Informatio

Document and Entity Information	9 Months Ended
	Sep. 30, 2013
Document and Entity Information	'
Entity Registrant Name	'MACKINAC FINANCIAL CORP /MI/
Entity Central Index Key	'0000036506
Document Type	'10-Q
Document Period End Date	30-Sep-13
Amendment Flag	'false
Current Fiscal Year End Date	'--12-31
Entity Current Reporting Status	'Yes
Entity Filer Category	'Smaller Reporting Company
Entity Common Stock, Shares Outstanding	5,581,339
Document Fiscal Year Focus	'2013
Document Fiscal Period Focus	'Q3

CONDENSED_CONSOLIDATED_BALANCE

CONDENSED CONSOLIDATED BALANCE SHEETS (USD $)	Sep. 30, 2013	Dec. 31, 2012	Sep. 30, 2012
In Thousands, unless otherwise specified
ASSETS	'	'	'
Cash and due from banks	$22,791	$26,958	$31,403
Federal funds sold	3	3	16,002
Cash and cash equivalents	22,794	26,961	47,405
Interest-bearing deposits in other financial institutions	10	10	10
Securities available for sale	48,096	43,799	42,476
Federal Home Loan Bank stock	3,060	3,060	3,060
Loans:	'	'	'
Commercial	353,526	342,841	329,891
Mortgage	104,504	95,413	93,446
Consumer	14,465	10,923	10,621
Total Loans	472,495	449,177	433,958
Allowance for loan losses	-4,959	-5,218	-5,186
Net loans	467,536	443,959	428,772
Premises and equipment	10,484	10,633	10,744
Other real estate held for sale	2,568	3,212	3,511
Deferred tax asset	7,953	9,131	9,670
Other assets	5,416	5,215	5,469
TOTAL ASSETS	567,917	545,980	551,117
Deposits:	'	'	'
Noninterest bearing deposits	70,063	67,652	62,306
NOW, money market, interest checking	158,588	155,465	152,286
Savings	12,694	13,829	15,783
CDs less than $100,000	133,821	135,550	142,125
CDs more than $100,000	23,816	24,355	25,390
Brokered	62,706	37,706	41,473
Total deposits	461,688	434,557	439,363
Borrowings	35,852	35,925	35,925
Other liabilities	3,332	3,050	2,884
Total liabilities	500,872	473,532	478,172
SHAREHOLDERS' EQUITY:	'	'	'
Preferred stock - No par value: Authorized - 500,000 shares Issued and outstanding - 4,000, 11,000 and 11,000 respectively	4,000	11,000	11,000
Common stock and additional paid in capital - No par value Authorized - 18,000,000 shares Issued and outstanding - 5,581,339, 5,559,859 and 5,559,914 respectively	53,915	53,797	55,047
Retained earnings	8,780	6,727	6,028
Accumulated other comprehensive income	350	924	870
Total shareholders' equity	67,045	72,448	72,945
TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY	$567,917	$545,980	$551,117

CONDENSED_CONSOLIDATED_BALANCE1

CONDENSED CONSOLIDATED BALANCE SHEETS (Parenthetical) (USD $)	Sep. 30, 2013	Dec. 31, 2012	Sep. 30, 2012
CONDENSED CONSOLIDATED BALANCE SHEETS	'	'	'
Preferred stock, par value	'	'	'
Preferred stock, Authorized shares	500,000	500,000	500,000
Preferred stock, shares issued	4,000	11,000	11,000
Preferred stock, shares outstanding	4,000	11,000	11,000
Common stock, par value	'	'	'
Common stock and additional paid in capital, authorized shares	18,000,000	18,000,000	18,000,000
Common stock and additional paid in capital, shares issued	5,581,339	5,559,859	5,559,914
Common stock and additional paid in capital, shares outstanding	5,581,339	5,559,859	5,559,914

CONDENSED_CONSOLIDATED_STATEME

CONDENSED CONSOLIDATED STATEMENTS OF OPERATIONS (USD $)	3 Months Ended		9 Months Ended
In Thousands, except Per Share data, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
Interest and fees on loans:	'	'	'	'
Taxable	$6,077	$5,803	$17,980	$17,256
Tax-exempt	26	28	81	90
Interest on securities:	'	'	'	'
Taxable	245	226	726	728
Tax-exempt	9	6	22	20
Other interest income	33	41	96	96
Total interest income	6,390	6,104	18,905	18,190
INTEREST EXPENSE:	'	'	'	'
Deposits	879	1,011	2,642	2,986
Borrowings	163	163	490	492
Total interest expense	1,042	1,174	3,132	3,478
Net interest income	5,348	4,930	15,773	14,712
Provision for loan losses	375	150	850	795
Net interest income after provision for loan losses	4,973	4,780	14,923	13,917
OTHER INCOME:	'	'	'	'
Deposit service fees	158	155	495	538
Income from loans sold in the secondary market	203	320	781	844
SBA/USDA loan sale gains	135	506	798	1,126
Mortgage servicing income	128	92	413	292
Other	114	76	260	260
Total other income	738	1,149	2,747	3,060
OTHER EXPENSE:	'	'	'	'
Salaries and employee benefits	2,226	2,063	6,907	6,041
Occupancy	362	370	1,107	1,050
Furniture and equipment	274	213	799	660
Data processing	269	253	802	739
Professional service fees	161	210	706	700
Loan and deposit	55	195	173	674
Writedowns and losses on other real estate held for sale	57	265	146	450
FDIC insurance assessment	100	36	300	354
Telephone	84	56	229	168
Advertising	119	96	334	292
Other	652	610	1,690	1,280
Total other expenses	4,359	4,367	13,193	12,408
Income before provision for income taxes	1,352	1,562	4,477	4,569
Provision for (benefit of) income taxes	456	528	1,508	-1,458
NET INCOME	896	1,034	2,969	6,027
Preferred dividend and accretion of discount	50	137	250	491
NET INCOME AVAILABLE TO COMMON SHAREHOLDERS	$846	$897	$2,719	$5,536
INCOME PER COMMON SHARE:	'	'	'	'
Basic (in dollars per share)	$0.15	$0.21	$0.49	$1.30
Diluted (in dollars per share)	$0.15	$0.20	$0.49	$1.25

CONDENSED_CONSOLIDATED_STATEME1

CONDENSED CONSOLIDATED STATEMENTS COMPREHENSIVE INCOME (USD $)	3 Months Ended		9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
CONDENSED CONSOLIDATED STATEMENTS COMPREHENSIVE INCOME	'	'	'	'
Net income	$896	$1,034	$2,969	$6,027
Net change in net unrealized gains and losses on securities available for sale:	'	'	'	'
Unrealized gains (losses) arising during the period	-136	264	-899	827
Less: reclassification adjustment for gains included in net income	14	'	29	'
Net securities gain (loss) during the period	-122	264	-870	827
Tax effect	42	-90	296	-282
Net of tax	-80	174	-574	545
Comprehensive income	$816	$1,208	$2,395	$6,572

CONDENSED_CONSOLIDATED_STATEME2

CONDENSED CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY (USD $)	Total	Preferred Stock	Common Shareholders' Equity	Comprehensive Income (Loss)
In Thousands, unless otherwise specified
Balance, beginning of period at Dec. 31, 2011	$55,263	$10,921	$44,342	'
Increase (Decrease) in Shareholders' Equity	'	'	'	'
Net income for period	6,027	'	6,027	6,027
Net unrealized gain (loss) on securities available for sale	545	'	545	545
Comprehensive income	6,572	'	6,572	6,572
Issuance of common stock	11,506	'	11,506	'
Stock compensation	16	'	16	'
Dividend on preferred stock	-412	'	-412	'
Accretion of preferred stock discount	'	79	-79	'
Balance, end of period at Sep. 30, 2012	72,945	11,000	61,945	'
Balance, beginning of period at Jun. 30, 2012	60,352	11,000	49,352	'
Increase (Decrease) in Shareholders' Equity	'	'	'	'
Net income for period	1,034	'	1,034	1,034
Net unrealized gain (loss) on securities available for sale	174	'	174	174
Comprehensive income	1,208	'	1,208	1,208
Issuance of common stock	11,506	'	11,506	'
Stock compensation	16	'	16	'
Dividend on preferred stock	-137	'	-137	'
Balance, end of period at Sep. 30, 2012	72,945	'	61,945	'
Balance, beginning of period at Dec. 31, 2012	72,448	11,000	61,448	'
Increase (Decrease) in Shareholders' Equity	'	'	'	'
Net income for period	2,969	'	2,969	2,969
Net unrealized gain (loss) on securities available for sale	-574	'	-574	-574
Comprehensive income	2,395	'	2,395	2,395
Stock compensation	258	'	258	'
Dividend on common stock	-666	'	-666	'
Repurchase of common stock	-140	'	-140	'
Redemption of Preferred Series A stock	-7,000	-7,000	'	'
Dividend on preferred stock	-250	'	-250	'
Balance, end of period at Sep. 30, 2013	67,045	4,000	63,045	'
Balance, beginning of period at Jun. 30, 2013	66,520	4,000	62,520	'
Increase (Decrease) in Shareholders' Equity	'	'	'	'
Net income for period	896	'	896	896
Net unrealized gain (loss) on securities available for sale	-80	'	-80	-80
Comprehensive income	816	'	816	816
Stock compensation	75	'	75	'
Dividend on common stock	-222	'	-222	'
Repurchase of common stock	-94	'	-94	'
Dividend on preferred stock	-50	'	-50	'
Balance, end of period at Sep. 30, 2013	$67,045	'	$63,045	'

CONDENSED_CONSOLIDATED_STATEME3

CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS (USD $)	9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012
Cash Flows from Operating Activities:	'	'
Net income	$2,969	$6,027
Adjustments to reconcile net income to net cash provided by operating activities:	'	'
Depreciation and amortization	1,264	1,152
Provision for loan losses	850	795
Deferred income taxes	1,508	-1,458
(Gain) on sales/calls of securities	-29	'
(Gain) on sale of secondary market loans	-609	-641
Origination of loans held for sale in secondary market	-44,568	-45,605
Proceeds from loans held for sale in secondary market	45,177	46,246
Loss on sale of premises, equipment, and other real estate held for sale	13	12
Writedown of other real estate held for sale	134	474
Stock compensation	258	16
Change in other assets	-201	-315
Change in other liabilities	283	622
Net cash provided by operating activities	7,049	7,325
Cash Flows from Investing Activities:	'	'
Net increase in loans	-25,393	-34,652
Purchase of securities available for sale	-7,875	-11,031
Proceeds from maturities, sales, calls or paydowns of securities available for sale	2,378	7,848
Capital expenditures	-757	-1,929
Proceeds from sale of premises, equipment, and other real estate	1,429	178
Net cash (used in) investing activities	-30,218	-39,586
Cash Flows from Financing Activities:	'	'
Net increase in deposits	27,131	34,574
Net proceeds from stock issuance	'	11,506
Repurchase of common stock	-140	'
Dividend on common stock	-666	'
Redemption of Preferred Series A	-7,000	'
Principal payments on borrowings	-73	-72
Dividend on preferred stock	-250	-412
Net cash provided by financing activities	19,002	45,596
Net increase (decrease) in cash and cash equivalents	-4,167	13,335
Cash and cash equivalents at beginning of period	26,961	34,070
Cash and cash equivalents at end of period	22,794	47,405
Cash paid during the year for:	'	'
Interest	2,721	3,020
Income taxes	124	75
Noncash Investing and Financing Activities:	'	'
Transfers of Foreclosures from Loans to Other Real Estate Held for Sale (net of adjustments made through the allowance for loan losses)	$932	$1,013

SUMMARY_OF_SIGNIFICANT_ACCOUNT

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	9 Months Ended
	Sep. 30, 2013
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	'
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	'
	1.              SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
	Basis of Presentation
	The unaudited condensed consolidated financial statements of Mackinac Financial Corporation (the “Corporation”) have been prepared in accordance with generally accepted accounting principles for interim financial information and the instructions to Form 10-Q and Rule 10-01 of Regulation S-X.  Accordingly, they do not include all of the information and footnotes required by generally accepted accounting principles for complete financial statements.  In the opinion of management, all adjustments (consisting of normal recurring accruals) considered necessary for a fair presentation have been included.  Operating results for the nine-month period ended September 30, 2013 are not necessarily indicative of the results that may be expected for the year ending December 31, 2013.  The unaudited consolidated financial statements and footnotes thereto should be read in conjunction with the audited consolidated financial statements and footnotes thereto included in the Corporation’s Annual Report on Form 10-K for the year ended December 31, 2012.
	In order to properly reflect some categories of other income and other expenses, reclassifications of expense and income items have been made to prior period numbers.  The “net” other income and other expenses was not changed due to these reclassifications.
	The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenue 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, and the valuation of deferred tax assets, mortgage servicing rights and other real estate held for sale.
	Allowance for Loan Losses
	The allowance for loan losses includes specific allowances related to commercial loans, when they have been judged to be impaired.  A loan is impaired when, based on current information, it is probable that the Corporation will not collect all amounts due in accordance with the contractual terms of the loan agreement.  These specific allowances are based on discounted cash flows of expected future payments using the loan’s initial effective interest rate or the fair value of the collateral if the loan is collateral dependent.
	The Corporation continues to maintain a general allowance for loan losses for loans not considered impaired.  The allowance for loan losses is maintained at a level which management believes is adequate to provide for possible loan losses.  Management periodically evaluates the adequacy of the allowance using the Corporation’s past loan loss experience, known and inherent risks in the portfolio, composition of the portfolio, current economic conditions, and other factors.  The allowance does not include the effects of expected losses related to future events or future changes in economic conditions.  This evaluation is inherently subjective since it requires material estimates that may be susceptible to significant change.  Loans are charged against the allowance for loan losses when management believes the collectability of the principal is unlikely.  In addition, various regulatory agencies periodically review the allowance for loan losses.  These agencies may require additions to the allowance for loan losses based on their judgments of collectability.
	In management’s opinion, the allowance for loan losses is adequate to cover probable losses relating to specifically identified loans, as well as probable losses inherent in the balance of the loan portfolio as of the balance sheet date.
	Stock Compensation Plans
	The Corporation has three stock compensation plans, which are now expired.  One plan was approved during 2000 and applies to officers, employees, and nonemployee directors.  This plan was amended as a part of the December 2004 stock offering and recapitalization.  The amendment, approved by shareholders, increased the shares available under this plan by 428,587 shares from the original 25,000 (adjusted for the 1:20 reverse stock split), to a total authorized share balance of 453,587.   The other two plans, one for officers and employees and the other for nonemployee directors, were approved in 1997.  A total of 30,000 shares (adjusted for the 1:20 split), were made available for grant under these plans.  Options under all of the plans were granted at the discretion of a committee of the Corporation’s Board of Directors.  Options to purchase shares of the Corporation’s stock were granted at a price equal to the market price of the stock at the date of grant.  The committee determined the vesting of the options when they were granted as established under the plan.
	On May 22, 2012, the Corporation’s shareholders approved the Mackinac Financial Corporation 2012 Incentive Compensation Plan, under which current and prospective employees, non-employee directors and consultants may be awarded incentive stock options, non-statutory stock options, shares of restricted stock units (“RSUs”), or stock appreciation rights.  The aggregate number of shares of the Corporation’s common stock issuable under the plan is 757,848.
	On August 31, 2012, the Corporation granted 148,500 RSUs to certain members of management and all outside directors at the market value of the stock, which was $7.91.  The RSUs were awarded at no cost to the employee and vest ratably over a four-year period.  Compensation cost to be recognized over the four-year vesting period is $1.175 million.  As of September 30, 2013, 37,125 of the RSUs were vested and issued.  The unrecognized compensation expense was $.851 million as of September 30, 2013.

EARNINGS_PER_SHARE

EARNINGS PER SHARE	9 Months Ended
	Sep. 30, 2013
EARNINGS PER SHARE	'
EARNINGS PER SHARE	'
	2.              EARNINGS PER SHARE
	Diluted earnings per share, which reflects the potential dilution that could occur if outstanding stock options and warrants were exercised and stock awards were fully vested and resulted in the issuance of common stock that then shared in our earnings, is computed by dividing net income by the weighted average number of common shares outstanding and common stock equivalents, after giving effect for dilutive shares issued.
	The following shows the computation of basic and diluted earnings per share for the three and nine months ended September 30, 2013 and 2012 (dollars in thousands, except per share data):
		Three Months Ended September 30,				Nine Months Ended September 30,
		2013		2012		2013		2012
	(Numerator):
	Net income	$	896	$	1,034	$	2,969	$	6,027
	Preferred stock dividends and accretion of discount	50		137		250		491
	Net income available to common shareholders	$	846	$	897	$	2,719	$	5,536
	(Denominator):
	Weighted average shares outstanding - basic	5,562,835		4,722,029		5,559,108		3,857,002
	Dilutive effect of common stock warrants	—		136,186		—		119,850
	Weighted average shares outstanding - diluted	5,562,835		4,858,215		5,559,108		3,976,852
	Income per common share*:
	Basic	$	0.15	$	0.21	$	0.49	$	1.3
	Diluted	$	0.15	$	0.2	$	0.49	$	1.25
	*Earnings per share data for 2012 restated for common stock issuance

INVESTMENT_SECURITIES

INVESTMENT SECURITIES	9 Months Ended
	Sep. 30, 2013
INVESTMENT SECURITIES	'
INVESTMENT SECURITIES	'
	3.              INVESTMENT SECURITIES
	The amortized cost and estimated fair value of investment securities available for sale as of September 30, 2013, December 31, 2012 and September 30, 2012 are as follows (dollars in thousands):
				Gross		Gross
		Amortized		Unrealized		Unrealized			Estimated
		Cost		Gains		Losses			Fair Value
	September 30, 2013
	US Agencies - MBS	$	7,236	$	315	$	—		$	7,551
	US Agencies	16,003		66		(336		)	15,733
	Corporate Bonds	18,451		192		(4		)	18,639
	Obligations of states and political subdivisions	5,876		297		—			6,173
	Total securities available for sale	$	47,566	$	870	$	(340	)	$	48,096
	December 31, 2012
	US Agencies - MBS	$	7,962	$	412	$	—		$	8,374
	US Agencies	10,267		137		—			10,404
	Corporate Bonds	18,763		237		(23		)	18,977
	Obligations of states and political subdivisions	5,407		637		—			6,044
	Total securities available for sale	$	42,399	$	1,423	$	(23	)	$	43,799
	September 30, 2012
	US Agencies - MBS	$	8,282	$	388	$	—		$	8,670
	US Agencies	10,303		154		—			10,457
	Corporate Bonds	17,180		232		(9		)	17,403
	Obligations of states and political subdivisions	5,391		557		(2		)	5,946
	Total securities available for sale	$	41,156	$	1,331	$	(11	)	$	42,476
	The Corporation has evaluated gross unrealized losses that exist within the portfolio and considers them temporary in nature.  The Corporation has both the ability and the intent to hold the investment securities until their respective maturities and therefore does not anticipate the realization of the temporary losses.
	The amortized cost and estimated fair value of investment securities pledged to secure FHLB borrowings and customer relationships were $8.499 million and $8.729 million, respectively, at September 30, 2013.

LOANS

LOANS	9 Months Ended
	Sep. 30, 2013
LOANS	'
LOANS	'
	4.              LOANS
	The composition of loans is as follows (dollars in thousands):
		September 30,			December 31,			September 30,
		2013			2012			2012
	Commercial real estate	$	257,961		$	244,966		$	224,061
	Commercial, financial, and agricultural	79,511			80,646			84,073
	One to four family residential real estate	98,770			87,948			86,643
	Construction :
	Consumer	5,734			7,465			6,803
	Commerical	16,054			17,229			21,757
	Consumer	14,465			10,923			10,621
	Total loans	$	472,495		$	449,177		$	433,958
	An analysis of the allowance for loan losses for nine months ended September 30, 2013, the year ended December 31, 2012 and the nine months ended September 30, 2012 is as follows (dollars in thousands):
		September 30,			December 31,			September 30,
		2013			2012			2012
	Balance at beginning of period	$	5,218		$	5,251		$	5,251
	Recoveries on loans previously charged off	154			278			231
	Loans charged off	(1,263		)	(1,256		)	(1,091		)
	Provision	850			945			795
	Balance at end of period	$	4,959		$	5,218		$	5,186
	In the first nine months of 2013, net charge off activity was $1.109 million, or .32% of average loans outstanding compared to net charge-offs of $.860 million, or .28% of average loans, in the same period in 2012.   In the first nine months of 2013, the Corporation recorded a provision for loan loss of $.850 million compared to $.795 million in the first nine months of 2012.  The Corporation’s allowance for loan loss reserve policy calls for a measurement of the adequacy of the reserve at each quarter end.  This process includes an analysis of the loan portfolio to take into account increases in loans outstanding and portfolio composition, historical loss rates, and specific reserve requirements of nonperforming loans.
	A breakdown of the allowance for loan losses and recorded balances in loans at September 30, 2013 is as follows (dollars in thousands):
					Commercial,						One to four
		Commercial			financial and			Commercial			family residential			Consumer
		real estate			agricultural			construction			real estate			construction			Consumer			Unallocated			Total
	Three Months Ended September 30, 2013
	Allowance for loan loss reserve:
	Beginning balance ALLR	$	2,661		$	1,090		$	97		$	877		$	—		$	13		$	439		$	5,177
	Charge-offs	(132		)	(476		)	—			(25		)	—			(14		)	—			(647		)
	Recoveries	23			20			—			6			1			4			—			54
	Provision	3			522			(16		)	44			(1		)	15			(192		)	375
	Ending balance ALLR	$	2,555		$	1,156		$	81		$	902		$	—		$	18		$	247		$	4,959
	Nine Months Ended September 30, 2013
	Allowance for loan loss reserve:
	Beginning balance ALLR	$	3,267		$	692		$	125		$	980		$	—		$	—		$	154		$	5,218
	Charge-offs	(588		)	(552		)	—			(38		)	—			(85		)	—			(1,263		)
	Recoveries	64			53			2			17			1			17			—			154
	Provision	(188		)	963			(46		)	(57		)	(1		)	86			93			850
	Ending balance ALLR	$	2,555		$	1,156		$	81		$	902		$	—		$	18		$	247		$	4,959
	At September 30,2013
	Loans:
	Ending balance	$	257,961		$	79,511		$	16,054		$	98,770		$	5,734		$	14,465		$	—		$	472,495
	Ending balance ALLR	(2,555		)	(1,156		)	(81		)	(902		)	—			(18		)	(247		)	(4,959		)
	Net loans	$	255,406		$	78,355		$	15,973		$	97,868		$	5,734		$	14,447		$	(247	)	$	467,536
	Ending balance ALLR:
	Individually evaluated	$	1,407		$	802		$	6		$	246		$	—		$	18		$	—		$	2,479
	Collectively evaluated	1,148			354			75			656			—			—			247			2,480
	Total	$	2,555		$	1,156		$	81		$	902		$	—		$	18		$	247		$	4,959
	Ending balance Loans:
	Individually evaluated	$	13,475		$	7,638		$	798		$	450		$	—		$	35		$	—		$	22,396
	Collectively evaluated	244,486			71,873			15,256			98,320			5,734			14,430			—			450,099
	Total	$	257,961		$	79,511		$	16,054		$	98,770		$	5,734		$	14,465		$	—		$	472,495
	Impaired loans, by definition, are individually evaluated.
	A breakdown of the allowance for loan losses and recorded balances in loans at December 31, 2012 is as follows (dollars in thousands):
					Commercial,						One to four
		Commercial			financial and			Commercial			family residential			Consumer
		real estate			agricultural			construction			real estate			construction			Consumer			Unallocated			Total
	Allowance for loan loss reserve:
	Beginning balance ALLR	$	2,823		$	1,079		$	207		$	1,114		$	—		$	—		$	28		$	5,251
	Charge-offs	(729		)	(40		)	(6		)	(399		)	—			(82		)	—			(1,256		)
	Recoveries	52			201			—			7			—			18			—			278
	Provision	1,121			(548		)	(76		)	258			—			64			126			945
	Ending balance ALLR	$	3,267		$	692		$	125		$	980		$	—		$	—		$	154		$	5,218
Loans:
Ending balance	$	244,966		$	80,646		$	17,229		$	87,948		$	7,465		$	10,923		$	—		$	449,177
Ending balance ALLR	(3,267		)	(692		)	(125		)	(980		)	—			—			(154		)	(5,218		)
Net loans	$	241,699		$	79,954		$	17,104		$	86,968		$	7,465		$	10,923		$	(154	)	$	443,959
Ending balance ALLR:
Individually evaluated	$	1,662		$	155		$	10		$	112		$	—		$	—		$	—		$	1,939
Collectively evaluated	1,605			537			115			868			—			—			154			3,279
Total	$	3,267		$	692		$	125		$	980		$	—		$	—		$	154		$	5,218
Ending balance Loans:
Individually evaluated	$	22,910		$	6,070		$	858		$	796		$	—		$	—		$	—		$	30,634
Collectively evaluated	222,056			74,576			16,371			87,152			7,465			10,923			—			418,543
Total	$	244,966		$	80,646		$	17,229		$	87,948		$	7,465		$	10,923		$	—		$	449,177
A breakdown of the allowance for loan losses and recorded balances in loans at September 30, 2012 is as follows (dollars in thousands):
				Commercial,						One to four
	Commercial			financial and			Commercial			family residential			Consumer
	real estate			agricultural			construction			real estate			construction			Consumer			Unallocated			Total
Three Months Ended September 30, 2012
Allowance for loan loss reserve:
Beginning balance ALLR	$	2,784		$	888		$	218		$	1,083		$	—		$	—		$	110		$	5,083
Charge-offs	(36		)	—			—			(23		)	—			(1		)	—			(60		)
Recoveries	10			1			—			—			—			2			—			13
Provision	90			(114		)	(33		)	177			—			(1		)	31			150
Ending balance ALLR	$	2,848		$	775		$	185		$	1,237		$	—		$	—		$	141		$	5,186
Nine Months Ended September 30, 2012
Allowance for loan loss reserve:
Beginning balance ALLR	$	2,823		$	1,079		$	207		$	1,114		$	—		$	—		$	28		$	5,251
Charge-offs	(726		)	(24		)	(6		)	(319		)	—			(16		)	—			(1,091		)
Recoveries	27			188			—			5			—			11			—			231
Provision	724			(468		)	(16		)	437			—			5			113			795
Ending balance ALLR	$	2,848		$	775		$	185		$	1,237		$	—		$	—		$	141		$	5,186
At September 30, 2012
Loans:
Ending balance	$	224,061		$	84,073		$	21,757		$	86,643		$	6,803		$	10,621		$	—		$	433,958
Ending balance ALLR	(2,848		)	(775		)	(185		)	(1,237		)	—			—			(141		)	(5,186		)
Net loans	$	221,213		$	83,298		$	21,572		$	85,406		$	6,803		$	10,621		$	(141	)	$	428,772
Ending balance ALLR:
Individually evaluated	$	1,198		$	145		$	11		$	277		$	—		$	—		$	—		$	1,631
Collectively evaluated	1,650			630			174			960			—			—			141			3,555
Total	$	2,848		$	775		$	185		$	1,237		$	—		$	—		$	141		$	5,186
Ending balance Loans:
Individually evaluated	$	22,571		$	5,997		$	858		$	1,248		$	—		$	10		$	—		$	30,684
Collectively evaluated	201,490			78,076			20,899			85,395			6,803			10,611			—			403,274
Total	$	224,061		$	84,073		$	21,757		$	86,643		$	6,803		$	10,621		$	—		$	433,958
As part of the management of the loan portfolio, risk ratings are assigned to all commercial loans.  Through the loan review process, ratings are modified as believed to be appropriate to reflect changes in the credit.  Our ability to manage credit risk depends in large part on our ability to properly identify and manage problem loans.  To do so, we operate a credit risk rating system under which our credit management personnel assign a credit risk rating to each loan at the time of origination and review loans on a regular basis to determine each loan’s credit risk rating on a scale of 1 through 8, with higher scores indicating higher risk.  The credit risk rating structure used is shown below.
In the context of the credit risk rating structure, the term Classified is defined as a problem loan which may or may not be in a nonaccrual status, dependent upon current payment status and collectability.
Excellent (1)
Borrower is not vulnerable to sudden economic or technological changes and is in a non-seasonal business or industry.  These loans generally would be characterized by having good experienced management and a strong liquidity position with minimal leverage.
Good (2)
Borrower shows limited vulnerability to sudden economic change with modest seasonal effect.  Borrower has “above average” financial statements and an acceptable repayment history with minimal leverage and a profitability that exceeds peers.
Average (3)
Generally, a borrower rated as average may be susceptible to unfavorable changes in the economy and somewhat affected by seasonal factors.  Some product lines may be affected by technological change.  Borrowers in this category exhibit stable earnings, with a satisfactory payment history.
Acceptable (4)
The loan is an otherwise acceptable credit that warrants a higher level of administration due to various underlying weaknesses.  These weaknesses, however, have not and may never deteriorate to the point of a Special Mention rating or Classified status.  This rating category may include new businesses not yet having established a firm performance record.
Special Mention (5)
The loan is not considered as a Classified status, however may exhibit material weaknesses that, if not corrected, may cause future problems.  Borrowers in this category warrant special attention but have not yet reached the point of concern for loss.  The borrower may have deteriorated to the point that they would have difficulty refinancing elsewhere.   Similarly, purchasers of these businesses would not be eligible for bank financing unless they represent a significantly lessened credit risk.
Substandard (6)
The loan is Classified and exhibits a number of well-defined weaknesses that jeopardize normal repayment.  The assets are no longer adequately protected due to declining net worth, lack of earning capacity or insufficient collateral offering the distinct possibility of the loss of a portion of the loan principal.  Loans within this category clearly represent troubled and deteriorating credit situations requiring constant supervision and an action plan must be developed and approved by the appropriate officers to mitigate the risk.
Doubtful (7)
Loans in this category exhibit the same weaknesses used to describe the substandard credit; however, the traits are more pronounced.  Loans are frozen with collection improbable.  Such loans are not yet rated as Charge-off because certain actions may yet occur which would salvage the loan.
Charge-off/Loss (8)
Loans in this category are largely uncollectible and should be charged against the loan loss reserve immediately.
General Reserves:
For loans with a credit risk rating of 5 or better and any loans with a risk rating of 6 or 7 with no specific reserve, reserves are established based on the type of loan collateral, if any, and the assigned credit risk rating.  Determination of the allowance is inherently subjective as it requires significant estimates, including the amounts and timing of expected future cash flows on impaired loans, estimated losses on pools of homogenous loans based on historical loss experience, and consideration of current environmental factors and economic trends, all of which may be susceptible to significant change.
Using a historical average loss by loan type as a base, each loan graded as higher risk is assigned a specific percentage.  Within the commercial loan portfolio, the historical loss rates are used for specific industries such as hospitality, gaming, petroleum, and forestry.  The residential real estate and consumer loan portfolios are assigned a loss percentage as a homogenous group.  If, however, on an individual loan the projected loss based on collateral value and payment histories are in excess of the computed allowance, the allocation is increased for the higher anticipated loss.  These computations provide the basis for the allowance for loan losses as recorded by the Corporation.
Commercial construction loans in the amount of $2.773 million, $3.468 million and $3.882 million for the periods ended September 30, 2013 and December 31, 2012, and September 30, 2012, respectively did not receive a specific risk rating.  These amounts represent loans made for land development and unimproved land purchases.  Below is a breakdown of loans by risk category as of September 30, 2013 (dollars in thousands):
	-1			-2			-3			-4			-5			-6			-7			Rating
	Excellent			Good			Average			Acceptable			Sp. Mention			Substandard			Doubtful			Unassigned			Total
Commercial real estate	$	2,240		$	23,675		$	88,105		$	123,373		$	16,117		$	4,451		$	—		$	—		$	257,961
Commercial, financial and agricultural	4,260			5,108			22,263			41,851			3,746			2,094			189			—			79,511
Commercial construction	—			676			5,283			6,167			753			402			—			2,773			16,054
One to four family residential real estate	—			1,951			2,186			4,522			—			6			—			90,105			98,770
Consumer construction	—			—			—			—			—			—			—			5,734			5,734
Consumer	—			102			34			632			—			—			—			13,697			14,465
Total loans	$	6,500		$	31,512		$	117,871		$	176,545		$	20,616		$	6,953		$	189		$	112,309		$	472,495
Below is a breakdown of loans by risk category as of December 31, 2012 (dollars in thousands):
	-1			-2			-3			-4			-5			-6			-7			Rating
	Excellent			Good			Average			Acceptable			Sp. Mention			Substandard			Doubtful			Unassigned			Total
Commercial real estate	$	4,807		$	20,491		$	84,164		$	113,379		$	16,754		$	5,189		$	182		$	—		$	244,966
Commercial, financial and agricultural	5,026			3,936			23,821			41,785			4,296			1,782			—			—			80,646
Commercial construction	—			1,038			5,103			5,784			759			1,077			—			3,468			17,229
One-to-four family residential real estate	—			1,969			3,635			4,791			—			646			—			76,907			87,948
Consumer construction	—			—			—			—			—			—			—			7,465			7,465
Consumer	—			359			71			257			—			6			—			10,230			10,923
Total loans	$	9,833		$	27,793		$	116,794		$	165,996		$	21,809		$	8,700		$	182		$	98,070		$	449,177
Below is a breakdown of loans by risk category as of September 30, 2012 (dollars in thousands):
	-1			-2			-3			-4			-5			-6			-7			Rating
	Excellent			Good			Average			Acceptable			Sp. Mention			Substandard			Doubtful			Unassigned			Total
Commercial real estate	$	3,372		$	19,939		$	72,647		$	105,736		$	16,784		$	5,374		$	209		$	—		$	224,061
Commercial, financial and agricultural	4,306			5,517			25,932			42,097			4,320			1,901			—			—			84,073
Commercial construction	—			988			5,039			9,995			761			1,092			—			3,882			21,757
One to four family residential real estate	—			1,979			3,586			4,703			—			709			—			75,666			86,643
Consumer construction	—			—			—			—			—			—			—			6,803			6,803
Consumer	—			362			71			233			—			3			—			9,952			10,621
Total loans	$	7,678		$	28,785		$	107,275		$	162,764		$	21,865		$	9,079		$	209		$	96,303		$	433,958
Impaired Loans
Nonperforming loans are those which are contractually past due 90 days or more as to interest or principal payments, on nonaccrual status, or loans, the terms of which have been renegotiated to provide a reduction or deferral on interest or principal.  There was no interest income recorded during impairment and that which would have been recognized was $.060 million for the three months ended September 30, 2013, and no interest income recorded during impairment and that which would have been recognized of $.177 million for the nine months ended September 30, 2013.  For the three months ended September 30, 2012, the amounts were $.017 million and $.072 million and for the nine month period in 2012, the amounts were $.054 million and $.246 million.
The accrual of interest on loans is discontinued when, in management’s opinion, the borrower may be unable to meet payment obligations as they become due, as well as when required by regulatory provisions.  When interest accrual is discontinued, all unpaid accrued interest is reversed.  Interest income is subsequently recognized only to the extent cash payments are received in excess of principal due.  Loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured.
Loans are considered impaired when, based on current information and events, it is probable the Corporation will be unable to collect all amounts due in accordance with the original contractual terms of the loan agreement, including scheduled principal and interest payments.  Impairment is evaluated in total for smaller-balance loans of a similar nature and on an individual loans basis for other loans.  If a loan is impaired, a specific valuation allowance is allocated, if necessary, so that the loan is reported net, at the present value of estimated future cash flows using the loan’s existing rate or at the fair value of collateral if repayment is expected solely from the collateral.  Interest payments on impaired loans are typically applied to principal unless collectability of the principal amount is reasonably assured, in which case interest is recognized on a cash basis.  Impaired loans, or portions thereof, are charged off when deemed uncollectible.
The following is a summary of impaired loans and their effect on interest income (dollars in thousands):
																Three Months Ended						Nine Months Ended
							QTD			YTD						Interest Income			Interest Income			Interest Income			Interest Income
	Nonaccrual			Accrual			Average			Average			Related			Recognized			on			Recognized			on
	Basis			Basis			Investment			Investment			Valuation Reserve			During Impairment			Accrual Basis			During Impairment			Accrual Basis
September 30, 2013
With no valuation reserve:
Commercial real estate	$	238		$	—		$	412		$	501		$	—		$	—		$	—		$	—		$	26
Commercial, financial and agricultural	—			—			147			243			—			—			3			—			9
Commercial construction	—			—			—			193			—			—			—			—			3
One to four family residential real estate	67			—			86			140			—			—			2			—			7
Consumer construction	—			—			—			—			—			—			—			—			—
Consumer	10			—			9			4			—			—			—			—			—
With a valuation reserve:
Commercial real estate	$	2,589		$	—		$	2,581		$	2,557		$	1,272		$	—		$	42		$	—		$	102
Commercial, financial and agricultural	767			—			741			373			33			—			5			—			11
Commercial construction	—			—			—			—			—			—			—			—			—
One to four family residential real estate	642			—			560			396			250			—			8			—			19
Consumer construction	—			—			—			—			—			—			—			—			—
Consumer	—			—			—			—			—			—			—			—			—
Total:
Commercial real estate	$	2,827		$	—		$	2,993		$	3,058		$	1,272		$	—		$	42		$	—		$	128
Commercial, financial and agricultural	767			—			888			616			33			—			8			—			20
Commercial construction	—			—			—			193			—			—			—			—			3
One to four family residential real estate	709			—			646			536			250			—			10			—			26
Consumer construction	—			—			—			—			—			—			—			—			—
Consumer	10			—			9			4			—			—			—			—			—
Total	$	4,313		$	—		$	4,536		$	4,407		$	1,555		$	—		$	60		$	—		$	177
													Interest Income			Interest Income
For the Year Ended:	Nonaccrual			Accrual			Average			Related			Recognized			on
December 31, 2012	Basis			Basis			Investment			Valuation Reserve			During Impairment			Accrual Basis
With no valuation reserve:
Commercial real estate	$	132		$	—		$	1,550		$	—		$	—		$	37
Commercial, financial and agricultural	—			—			1,063			—			—			19
Commercial construction	675			—			675			—			—			15
One to four family residential real estate	230			—			1,074			—			—			41
Consumer construction	—			—			16			—			—			1
Consumer	—			—			3			—			—			—
With a valuation reserve:
Commercial real estate	$	2,939		$	—		$	3,173		$	1,315		$	54		$	177
Commercial, financial and agricultural	436			—			504			109			—			17
Commercial construction	—			—			—			—			—			—
One to four family residential real estate	275			—			281			95			—			6
Consumer construction	—			—			—			—			—			—
Consumer	—			—			—			—			—			—
Total:
Commercial real estate	$	3,071		$	—		$	4,723		$	1,315		$	54		$	214
Commercial, financial and agricultural	436			—			1,567			109			—			36
Commercial construction	675			—			675			—			—			15
One to four family residential real estate	505			—			1,355			95			—			47
Consumer construction	—			—			16			—			—			1
Consumer	—			—			3			—			—			—
Total	$	4,687		$	—		$	8,339		$	1,519		$	54		$	313
																Three Months Ended						Nine Months Ended
							QTD			YTD						Interest Income			Interest Income			Interest Income			Interest Income
	Nonaccrual			Accrual			Average			Average			Related			Recognized			on			Recognized			on
	Basis			Basis			Investment			Investment			Valuation Reserve			During Impairment			Accrual Basis			During Impairment			Accrual Basis
September 30, 2012
With no valuation reserve:
Commercial real estate	$	530		$	—		$	533		$	1,135		$	—		$	—		$	9		$	—		$	32
Commercial, financial and agricultural	—			—			—			1,063			—			—			—			—			18
Commercial construction	676			—			676			676			—			—			5			—			9
One to four family residential real estate	156			—			384			818			—			—			4			—			28
Consumer construction	15			—			15			16			—			—			—			—			1
Consumer	—			—			—			—			—			—			—			—			—
With a valuation reserve:
Commercial real estate	$	3,161		$	—		$	3,177		$	3,663		$	937		$	17		$	42		$	54		$	136
Commercial, financial and agricultural	287			—			281			398			90			—			4			—			12
Commercial construction	—			—			—			—			—			—			—			—			—
One to four family residential real estate	462			—			267			463			188			—			8			—			10
Consumer construction	—			—			—			—			—			—			—			—			—
Consumer	3			—			1			3			3			—			—			—			—
Total:
Commercial real estate	$	3,691		$	—		$	3,710		$	4,798		$	937		$	17		$	51		$	54		$	168
Commercial, financial and agricultural	287			—			281			1,461			90			—			4			—			30
Commercial construction	676			—			676			676			—			—			5			—			9
One to four family residential real estate	618			—			651			1,281			188			—			12			—			38
Consumer construction	15			—			15			16			—			—			—			—			1
Consumer	3			—			1			3			3			—			—			—			—
Total	$	5,290		$	—		$	5,334		$	8,235		$	1,218		$	17		$	72		$	54		$	246
A summary of past due loans at September 30, 2013, December 31, 2012 and September 30, 2012 is as follows (dollars in thousands):
	September 30,									December 31,									September 30,
	2013									2012									2012
	30-89 days			90+ days						30-89 days			90+ days						30-89 days			90+ days
	Past Due			Past Due/						Past Due			Past Due/						Past Due			Past Due/
	(accruing)			Nonaccrual			Total			(accruing)			Nonaccrual			Total			(accruing)			Nonaccrual			Total
Commercial real estate	$	—		$	2,827		$	2,827		$	575		$	3,071		$	3,646		$	427		$	3,691		$	4,118
Commercial, financial and agricultural	100			767			867			71			436			507			64			287			351
Commercial construction	—			—			—			—			675			675			47			676			723
One to four family residential real estate	186			709			895			291			505			796			582			618			1,200
Consumer construction	—			—			—			—			—			—			—			15			15
Consumer	31			10			41			14			—			14			99			3			102
Total past due loans	$	317		$	4,313		$	4,630		$	951		$	4,687		$	5,638		$	1,219		$	5,290		$	6,509
A roll-forward of nonaccrual activity for the three months ended September 30, 2013 (dollars in thousands):
	For the Three Months Ended September 30, 2013
				Commercial,						One to four
	Commercial			Financial and			Commercial			family residential			Consumer
	Real Estate			Agricultural			Construction			real estate			Construction			Consumer			Total
NONACCRUAL
Beginning balance	$	3,057		$	517		$	—		$	400		$	—		$	9		$	3,983
Principal payments	(26		)	(224		)	—			(12		)	—			(1		)	(263		)
Charge-offs	(23		)	(476		)	—			(24		)	—			—			(523		)
Advances	—			—			—			—			—			—			—
Class transfers	—			—			—			—			—			—			—
Transfers to OREO	(208		)	(37		)	—			—			—			—			(245		)
Transfers to accruing	—			—			—			—			—			—			—
Transfers from accruing	—			966			—			344			—			2			1,312
Other	27			21			—			1									49
Ending balance	$	2,827		$	767		$	—		$	709		$	—		$	10		$	4,313
A roll-forward of nonaccrual activity for the three months ended September 30, 2012 (dollars in thousands):
	For the Three Months Ended September 30, 2012
				Commercial,						One to four
	Commercial			Financial and			Commercial			family residential			Consumer
	Real Estate			Agricultural			Construction			real estate			Construction			Consumer			Total
NONACCRUAL
Beginning balance	$	3,749		$	278		$	676		$	657		$	15		$	—		$	5,375
Principal payments	(89		)	(1		)	—			(2		)	—			—			(92		)
Charge-offs	—			—			—			(14		)	—			—			(14		)
Advances	—			—			—			—			—			—			—
Class transfers	—			—			—			(329		)	—			—			(329		)
Transfers to OREO	—			—			—			—			—			—			—
Transfers to accruing	—			—			—			—			—			—			—
Transfers from accruing	—			7			—			304			—			3			314
Other	31			3			—			2			—			—			36
Ending balance	$	3,691		$	287		$	676		$	618		$	15		$	3		$	5,290
A roll-forward of nonaccrual activity for the nine months ended September 30, 2013 (dollars in thousands):
	For the Nine Months Ended September 30, 2013
				Commercial,						One to four
	Commercial			Financial and			Commercial			family residential			Consumer
	Real Estate			Agricultural			Construction			real estate			Construction			Consumer			Total
NONACCRUAL
Beginning balance	$	3,071		$	436		$	675		$	505		$	—		$	—		$	4,687
Principal payments	(174		)	(292		)	(100		)	(77		)	—			(1		)	(644		)
Charge-offs	(352		)	(548		)	—			(37		)	—			(4		)	(941		)
Advances	—			—			—			—			—			—			—
Class transfers	—			—			—			—			—			—			—
Transfers to OREO	(208		)	(37		)	(580		)	(107		)	—			—			(932		)
Transfers to accruing	—			—			—			—			—			—			—
Transfers from accruing	443			1,207			—			420			—			15			2,085
Other	47			1			5			5			—			—			58
Ending balance	$	2,827		$	767		$	—		$	709		$	—		$	10		$	4,313
A roll-forward of nonaccrual activity for the nine months ended September 30, 2012 (dollars in thousands):
	For the Nine Months Ended September 30, 2012
				Commercial,						One to four
	Commercial			Financial and			Commercial			family residential			Consumer
	Real Estate			Agricultural			Construction			real estate			Construction			Consumer			Total
NONACCRUAL
Beginning balance	$	2,362		$	1,111		$	—		$	1,997		$	20		$	—		$	5,490
Principal payments	(1,101		)	(1,383		)	—			(1,054		)	—			—			(3,538		)
Charge-offs	(463		)	—			—			(307		)	(5		)	—			(775		)
Advances	—			—			—			—			—			—			—
Class transfers	—			—			—			—			—			—			—
Transfers to OREO	(465		)	—			—			(548		)	—			—			(1,013		)
Transfers to accruing	—			—			—			—			—			—			—
Transfers from accruing	3,288			566			676			524			—			3			5,057
Other	70			(7		)	—			6			—			—			69
Ending balance	$	3,691		$	287		$	676		$	618		$	15		$	3		$	5,290
A roll-forward of nonaccrual activity during the year ended December 31, 2012 (dollars in thousands):
				Commercial,						One to four
	Commercial			Financial and			Commercial			family residential			Consumer
	Real Estate			Agricultural			Construction			real estate			Construction			Consumer			Total
NONACCRUAL
Beginning balance	$	2,362		$	1,111		$	—		$	1,997		$	20		$	—		$	5,490
Principal payments	(1,569		)	(1,385		)	—			(1,068		)	—			—			(4,022		)
Charge-offs	(463		)	—			—			(387		)	(5		)	(3		)	(858		)
Advances	—			—			—			—			—			—			—
Class transfers	—			—			—			—			—			—			—
Transfers to OREO	(675		)	—			—			(662		)	(15		)	—			(1,352		)
Transfers to accruing	—			—			—			—			—			—			—
Transfers from accruing	3,377			716			675			617			—			3			5,388
Other	39			(6		)	—			8			—			—			41
Ending balance	$	3,071		$	436		$	675		$	505		$	—		$	—		$	4,687
Troubled Debt Restructuring
Troubled debt restructurings (“TDR”) are determined on a loan-by-loan basis.  Generally restructurings are related to interest rate reductions, loan term extensions and short term payment forbearance as means to maximize collectability of troubled credits.  If a portion of the TDR loan is uncollectible (including forgiveness of principal), the uncollectible amount will be charged off against the allowance at the time of the restructuring.  In general, a borrower must make at least six consecutive timely payments before the Corporation would consider a return of a restructured loan to accruing status in accordance with FDIC guidelines regarding restoration of credits to accrual status.
The Corporation has, in accordance with generally accepted accounting principles and per recently enacted accounting standard updates, evaluated all loan modifications to determine the fair value impact of the underlying asset.  The carrying amount of the loan is compared to the expected payments to be received, discounted at the loan’s original rate, or for collateral dependent loans, to the fair value of the collateral.
A summary of troubled debt restructurings for the periods indicated is as follows (dollars in thousands):
	September  30,					December 31,					September  30,
	2013					2012					2012
	Number of		Recorded			Number of		Recorded			Number of		Recorded
	Modifications		Investment			Modifications		Investment			Modifications		Investment
Commercial real estate	—		$	—		3		$	4,614		4		$	5,799
Commercial, financial and agricultural	1		528			1		1,221			1		1,221
Commercial construction	—		—			3		860			3		858
One to four family residential real estate	—		—			1		102			1		102
Consumer construction	—		—			—		—			—		—
Consumer	—		—			—		—			—		—
Total troubled debt restructurings	1		$	528		8		$	6,797		9		$	7,980
A roll-forward of troubled debt restructuring during the three months ended September 30, 2013 (dollars in thousands):
				Commercial,						One to four			Consumer and
	Commercial			Financial and			Commercial			family residential			Consumer
	Real Estate			Agricultural			Construction			real estate			Construction			Total
ACCRUING
Beginning balance	$	3,563		$	2,174		$	858		$	100		$	—		$	6,695
Principal payments	(20		)	(25		)	—			(1		)				(46		)
Charge-offs	—			(400		)	—			—			—			(400		)
Advances	—			—			—			—			—			—
New restructured	—			—			—			—			—			—
Transferred out of TDR	—			—			—			—			—			—
Transfers to nonaccrual	—			(528		)	—			—			—			(528		)
Ending Balance	$	3,543		$	1,221		$	858		$	99		$	—		$	5,721
NONACCRUAL
Beginning balance	$	2,169		$	—		$	—		$	106		$	—		$	2,275
Principal payments	(87		)	—			—			(14		)	—			(101		)
Charge-offs	—			—			—			—			—			—
Advances	—			—			—			—			—			—
New restructured	—			—			—			—			—			—
Transfers to foreclosed properties	—			—			—			—			—			—
Transfers from accruing	—			528			—			—			—			528
Ending Balance	$	2,082		$	528		$	—		$	92		$	—		$	2,702
TOTALS
Beginning balance	$	5,732		$	2,174		$	858		$	206		$	—		$	8,970
Principal payments	(107		)	(25		)	—			(15		)	—			(147		)
Charge-offs	—			(400		)	—			—			—			(400		)
Advances	—			—			—			—			—			—
New restructured	—			—			—			—			—			—
Transfers out of TDRs	—			—			—			—			—			—
Tansfers to nonaccrual	—			(528		)	—			—			—			(528		)
Transfers to foreclosed properties	—			—			—			—			—			—
Transfers from accruing	—			528			—			—			—			528
Ending Balance	$	5,625		$	1,749		$	858		$	191		$	—		$	8,423
A roll-forward of troubled debt restructuring during the three months ended September 30, 2012 (dollars in thousands):
				Commercial,						One to four			Consumer and
	Commercial			Financial and			Commercial			family residential			Consumer
	Real Estate			Agricultural			Construction			real estate			Construction			Total
ACCRUING
Beginning balance	$	3,645		$	1,221		$	858		$	102		$	—		$	5,826
Principal payments	(14		)	—			—			—			—			(14		)
Charge-offs	—			—			—			—			—			—
Advances	—			—			—			—			—			—
New restructured	—			—			—			—			—			—
Transferred out of TDRs	—			—			—			—			—			—
Transfers to nonaccrual	—			—			—			—			—			—
Ending Balance	$	3,631		$	1,221		$	858		$	102		$	—		$	5,812
NONACCRUAL
Beginning balance	$	2,188		$	—		$	—		$	—		$	—		$	2,188
Principal payments	(47		)	—			—			—			—			(47		)
Charge-offs	—			—			—			—			—			—
Advances	27			—			—			—			—			27
New restructured	—			—			—			—			—			—
Transfers to foreclosed properties	—			—			—			—			—			—
Transfers from accruing	—			—			—			—			—			—
Ending Balance	$	2,168		$	—		$	—		$	—		$	—		$	2,168
TOTALS
Beginning balance	$	5,833		$	1,221		$	858		$	102		$	—		$	8,014
Principal payments	(61		)	—			—			—			—			(61		)
Charge-offs	—			—			—			—			—			—
Advances	27			—			—			—			—			27
New restructured	—			—			—			—			—			—
Transfers out of TDRs	—			—			—			—			—			—
Tansfers to nonaccrual	—			—			—			—			—			—
Transfers to foreclosed properties	—			—			—			—			—			—
Transfers from accruing	—			—			—			—			—			—
Ending Balance	$	5,799		$	1,221		$	858		$	102		$	—		$	7,980
A roll-forward of troubled debt restructuring during the nine months ended September 30, 2013 (dollars in thousands):
				Commercial,						One to four			Consumer and
	Commercial			Financial and			Commercial			family residential			Consumer
	Real Estate			Agricultural			Construction			real estate			Construction			Total
ACCRUING
Beginning balance	$	3,611		$	1,221		$	858		$	102		$	—		$	5,792
Principal payments	(68		)	(25		)	—			(3		)	—			(96		)
Charge-offs	—			(400		)	—			—			—			(400		)
Advances	—			—			—			—			—			—
New restructured	—			953			—			—			—			953
Transferred out of TDRs	—			—			—			—			—			—
Transfers to nonaccrual	—			(528		)	—			—			—			(528		)
Ending Balance	$	3,543		$	1,221		$	858		$	99		$	—		$	5,721
NONACCRUAL
Beginning balance	$	2,162		$	—		$	—		$	102		$	—		$	2,264
Principal payments	(87		)	—			—			(14		)	—			(101		)
Charge-offs	—			—			—			—			—			—
Advances	—			—			—			—			—			—
New restructured	7			—			—			4			—			11
Transfers to foreclosed properties	—			—			—			—			—			—
Transfers from accruing	—			528			—			—			—			528
Ending Balance	$	2,082		$	528		$	—		$	92		$	—		$	2,702
TOTALS
Beginning balance	$	5,773		$	1,221		$	858		$	204		$	—		$	8,056
Principal payments	(155		)	(25		)	—			(17		)	—			(197		)
Charge-offs	—			(400		)	—			—			—			(400		)
Advances	—			—			—			—			—			—
New restructured	7			953			—			4			—			964
Transfers out of TDR	—			—			—			—			—			—
Transfers to nonaccrual	—			(528		)	—			—			—			(528		)
Transfers to foreclosed properties	—			528			—			—			—			528
Transfer from accruing	—			—			—			—			—			—
Ending Balance	$	5,625		$	1,749		$	858		$	191		$	—		$	8,423
A roll-forward of troubled debt restructuring during the nine months ended September 30, 2012 (dollars in thousands):
				Commercial,						One to four			Consumer and
	Commercial			Financial and			Commercial			family residential			Consumer
	Real Estate			Agricultural			Construction			real estate			Construction			Total
ACCRUING
Beginning balance	$	2,400		$	—		$	—		$	103		$	—		$	2,503
Principal payments	(64		)	—			(2		)	(1		)	—			(67		)
Charge-offs	—			—			—			—			—			—
Advances	—			—			—			—			—			—
New restructured	3,695			1,221			860			—			—			5,776
Transferred out of TDRs	—			—			—			—			—			—
Transfers to nonaccrual	(2,400		)	—			—			—			—			(2,400		)
Ending Balance	$	3,631		$	1,221		$	858		$	102		$	—		$	5,812
NONACCRUAL
Beginning balance	$	—		$	—		$	—		$	—		$	—		$	—
Principal payments	(426		)	—			—			—			—			(426		)
Charge-offs	(772		)	—			—			—			—			(772		)
Advances	47			—			—			—			—			47
New restructured	919			—			—			—			—			919
Transfers to foreclosed properties	—			—			—			—			—			—
Transfers from accruing	2,400			—			—			—			—			2,400
Ending Balance	$	2,168		$	—		$	—		$	—		$	—		$	2,168
TOTALS
Beginning balance	$	2,400		$	—		$	—		$	103		$	—		$	2,503
Principal payments	(490		)	—			(2		)	(1		)	—			(493		)
Charge-offs	(772		)	—			—			—			—			(772		)
Advances	47			—			—			—			—			47
New restructured	4,614			1,221			860			—			—			6,695
Transfers out of TDRs	—			—			—			—			—			—
Transfers to nonaccrual	(2,400		)	—			—			—			—			(2,400		)
Transfers to foreclosed properties	—			—			—			—			—			—
Transfers from accruing	2,400			—			—			—			—			2,400
Ending Balance	$	5,799		$	1,221		$	858		$	102		$	—		$	7,980
A roll-forward of troubled debt restructuring during the year ended December 31, 2012 (dollars in thousands):
				Commercial,						One to four			Consumer and
	Commercial			Financial and			Commercial			family residential			Consumer
	Real Estate			Agricultural			Construction			real estate			Construction			Total
ACCRUING
Beginning balance	$	2,400		$	—		$	—		$	103		$	—		$	2,503
Principal payments	(84		)	—			(2		)	(1		)	—			(87		)
Charge-offs	—			—			—			—			—			—
Advances	—			—			—			—			—			—
New restructured	3,695			1,221			860			—			—			5,776
Transferred out of TDRs	—			—			—			—			—			—
Transfers to nonaccrual	(2,400		)	—			—			—			—			(2,400		)
Ending Balance	$	3,611		$	1,221		$	858		$	102		$	—		$	5,792
NONACCRUAL
Beginning balance	$	—		$	—		$	—		$	—		$	—		$	—
Principal payments	(432		)	—			—			—			—			(432		)
Charge-offs	(772		)	—			—			—			—			(772		)
Advances	47			—			—			—			—			47
New restructured	919			—			—			102			—			1,021
Transfers to foreclosed properties	—			—			—			—			—			—
Transfers from accruing	2,400			—			—			—			—			2,400
Ending Balance	$	2,162		$	—		$	—		$	102		$	—		$	2,264
TOTALS
Beginning balance	$	2,400		$	—		$	—		$	103		$	—		$	2,503
Principal payments	(516		)	—			(2		)	(1		)	—			(519		)
Charge-offs	(772		)	—			—			—			—			(772		)
Advances	47			—			—			—			—			47
New restructured	4,614			1,221			860			102			—			6,797
Transfers out of TDRs	—			—			—			—			—			—
Transfers to nonaccrual	(2,400		)	—			—			—			—			(2,400		)
Transfers to foreclosed properties	—			—			—			—			—			—
Transfers from accruing	2,400			—			—			—			—			2,400
Ending Balance	$	5,773		$	1,221		$	858		$	204		$	—		$	8,056
Insider Loans
The Bank, in the ordinary course of business, grants loans to the Corporation’s executive officers and directors, including their families and firms in which they are principal owners. Activity in such loans is summarized below (dollars in thousands):
	September 30,			December 31,			September 30,
	2013			2012			2012
Loans outstanding, beginning of period	$	11,297		$	8,827		$	8,827
New loans	496			3,911			3,401
Net activity on revolving lines of credit	(263		)	233			17
Principal payments	(1,442		)	(1,674		)	(1,490		)
Loans outstanding, end of period	$	10,088		$	11,297		$	10,755
There were no loans to related parties classified substandard as of September 30, 2013, December 31, 2012 or September 30, 2012.  In addition to the outstanding balances above, there were unfunded commitments of $5,000 to related parties at September 30, 2013.

MORTGAGE_SERVICING_RIGHTS

MORTGAGE SERVICING RIGHTS	9 Months Ended
	Sep. 30, 2013
MORTGAGE SERVICING RIGHTS	'
MORTGAGE SERVICING RIGHTS	'
	5.              MORTGAGE SERVICING RIGHTS
	Mortgage servicing rights (“MSRs”) are recorded when loans are sold in the secondary market with servicing retained.  As of September 30, 2013, the Corporation had obligations to service approximately $126 million of residential first mortgage loans.  The valuation is based upon the net present value of the projected revenues over the expected life of the loans being serviced, as reduced by estimated internal costs to service these loans.  The fair value of the capitalized servicing rights approximates the carrying value.  The key economic assumptions used in determining the fair value of the mortgage servicing rights include an annual constant prepayment speed of 15.90 and a discount rate of 7.50% for September 30, 2013.
	The following summarizes mortgage servicing rights capitalized and amortized, along with the aggregate activity in related valuation allowances (dollars in thousands):
		Nine months ended			Year ended			Nine months ended
		September 30,			December 31,			September 30,
		2013			2012			2012
	Balance at beginning of period	$	638		$	400		$	400
	Additions from loans sold with servicing retained	325			344			245
	Amortization	(129		)	(106		)	(74		)
	Estimated Valuation of MSRs at end of period	$	834		$	638		$	571

BORROWINGS

BORROWINGS	9 Months Ended
	Sep. 30, 2013
BORROWINGS	'
BORROWINGS	'
	6.              BORROWINGS
	Borrowings consist of the following at September 30, 2013, December 31, 2012 and September 30, 2012 (dollars in thousands):
		September 30,		December 31,		September 30,
		2013		2012		2012
	Federal Home Loan Bank fixed rate advances at September 30, 2013 with a weighted average rate of 1.79% maturing in 2014, 2016 and 2018	$	35,000	$	35,000	$	35,000
	USDA Rural Development, fixed-rate note payable, maturing August 24, 2024, interest payable at 1%	852		925		925
		$	35,852	$	35,925	$	35,925
	The Federal Home Loan Bank borrowings are collateralized at September 30, 2013 by the following:  a collateral agreement on the Corporation’s one to four family residential real estate loans with a book value of approximately $41.769 million; mortgage related and municipal securities with an amortized cost and estimated fair value of $8.424 million and $8.654 million, respectively; and Federal Home Loan Bank stock owned by the Bank totaling $3.060 million.  Prepayment of the advances is subject to the provisions and conditions of the credit policy of the Federal Home Loan Bank of Indianapolis in effect as of September 30, 2013.
	The USDA Rural Development borrowing is collateralized by loans totaling $.130 million originated and held by the Corporation’s wholly owned subsidiary, First Rural Relending, and an assignment of a demand deposit account in the amount of $.790 million, and guaranteed by the Corporation.

STOCK_COMPENSATION_PLANS

STOCK COMPENSATION PLANS	9 Months Ended
	Sep. 30, 2013
STOCK COMPENSATION PLANS	'
STOCK COMPENSATION PLANS	'
	7.     STOCK COMPENSATION PLANS
	A summary of stock option transactions for the nine months ended September 30, 2013 and 2012, and the year ended December 31, 2012, is as follows:
			September 30,			December 31,			September 30,
			2013			2012			2012
	Outstanding shares at beginning of year		242,152			392,152			392,152
	Granted during the period		—			—			—
	Exercised during the period		—			—			—
	Expired / forfeited during the period		(5,000		)	—			—
	Surrendered/Echanged for restricted stock		—			(150,000		)	(150,000		)
	Outstanding shares at end of period		237,152			242,152			242,152
	Exercisable shares at end of period		125,861			126,361			107,561
	Weighted average exercise price per share at end of period		$	9.88		$	9.88		$	9.88
	Shares available for grant at end of period		—			—			—
	There were no options granted in the first nine months of 2013 and 2012.
	Following is a summary of the options outstanding and exercisable at September 30, 2013:
												Weighted Average
	Exercise			Number						Unvested		Remaining
	Price			Outstanding			Exercisable			Options		Contractual Life-Years
	$	9.75		217,152			120,861			96,291		1.21
	$	10.65		10,000			2,500			7,500		3.21
	$	12.00		10,000			2,500			7,500		1.79
				237,152			125,861			111,291		1.32
	The Corporation, in August 2012, granted 148,500 Restricted Stock Units (“RSU’s”) to outside members of the Board of Directors and Management.  These RSU’s were granted at a market value of $7.91 and will vest equally over a four year term.

INCOME_TAXES

INCOME TAXES	9 Months Ended
	Sep. 30, 2013
INCOME TAXES	'
INCOME TAXES	'
	8.     INCOME TAXES
	A valuation allowance is provided against deferred tax assets when it is more likely than not that some or all of the deferred tax asset will not be realized.  The Corporation, as of September 30, 2013 had a net operating loss and tax credit carryforwards for tax purposes of approximately $19.2 million, and $2.1 million, respectively.  The net operating loss carryforwards expire twenty years from the date they originated.  These carryforwards, if not utilized, will begin to expire in the year 2023.  A portion of the NOL, approximately $14.2 million, and all of the credit carryforwards are subject to the limitations for utilization as set forth in Section 382 of the Internal Revenue Code.  The annual limitation is $1.400 million for the NOL and the equivalent value of tax credits, which is approximately $.476 million.  These limitations for use were established in conjunction with the recapitalization of the Corporation in December 2004.
	The Corporation has reported deferred tax assets of $7.953 million at September 30, 2013, which is net of a valuation allowance of $3.0 million.  Management evaluated the deferred tax valuation allowance as of September 30, 2013 and determined that no adjustment to the valuation was warranted.  The Corporation will continue to evaluate the future benefits from these carryforwards and at such time as it becomes “more likely than not” that they would be utilized prior to expiration will recognize the additional benefits as an adjustment to the valuation allowance.

FAIR_VALUE_MEASUREMENTS

FAIR VALUE MEASUREMENTS	9 Months Ended
	Sep. 30, 2013
FAIR VALUE MEASUREMENTS	'
FAIR VALUE MEASUREMENTS	'
	9.              FAIR VALUE MEASUREMENTS
	Fair value estimates, methods, and assumptions are set forth below for the Corporation’s financial instruments:
	Cash, cash equivalents, and interest-bearing deposits - The carrying values approximate the fair values for these assets.
	Securities - Fair values are based on quoted market prices where available.  If a quoted market price is not available, fair value is estimated using quoted market prices for similar securities and other inputs such as interest rates and yield curves that are observable at commonly quoted intervals.
	Federal Home Loan Bank stock — Federal Home Loan Bank stock is carried at cost, which is its redeemable value and approximates its fair value, since the market for this stock is limited.
	Loans - Fair values are estimated for portfolios of loans with similar financial characteristics.  Loans are segregated by type such as commercial, residential mortgage, and other consumer.  The fair value of loans is calculated by discounting scheduled cash flows using discount rates reflecting the credit and interest rate risk inherent in the loan.
	The methodology in determining fair value of nonaccrual loans is to average them into the blended interest rate at 0% interest.  This has the effect of decreasing the carrying amount below the risk-free rate amount and, therefore, discounts the estimated fair value.
	Impaired loans are measured at the estimated fair value of the expected future cash flows at the loan’s effective interest rate or the fair value of the collateral for loans which are collateral dependent.  Therefore, the carrying values of impaired loans approximate the estimated fair values for these assets.
	Deposits - The fair value of deposits with no stated maturity, such as noninterest-bearing demand deposits and savings, is equal to the amount payable on demand at the reporting date.  The fair value of time deposits is based on the discounted value of contractual cash flows applying interest rates currently being offered on similar time deposits.
	Borrowings - Rates currently available for debt with similar terms and remaining maturities are used to estimate the fair value of existing debt.  The fair value of borrowed funds due on demand is the amount payable at the reporting date.
	Accrued interest - The carrying amount of accrued interest approximates fair value.
	Off-balance-sheet instruments - The fair value of commitments is estimated using the fees currently charged to enter into similar agreements, taking into account the remaining terms of the agreements, the current interest rates, and the present creditworthiness of the counterparties.  Since the differences in the current fees and those reflected to the off-balance-sheet instruments at year-end are immaterial, no amounts for fair value are presented.
	The following table presents information for financial instruments at September 30, 2013, December 31, 2012 and September 30, 2012 (dollars in thousands):
				September 30, 2013						December 31, 2012						September 30, 2012
		Level in Fair		Carrying			Estimated			Carrying			Estimated			Carrying			Estimated
		Value Hierarchy		Amount			Fair Value			Amount			Fair Value			Amount			Fair Value
	Financial assets:
	Cash and cash equivalents	Level 1		$	22,794		$	22,794		$	26,961		$	26,961		$	47,405		$	47,405
	Interest-bearing deposits	Level 2		10			10			10			10			10			10
	Securities available for sale	Level 2		48,096			48,096			43,799			43,799			42,476			42,476
	Federal Home Loan Bank stock	Level 2		3,060			3,060			3,060			3,060			3,060			3,060
	Net loans	Level 3		467,536			460,009			443,959			439,239			428,772			425,406
	Accrued interest receivable	Level 3		1,536			1,536			1,319			1,319			1,574			1,574
	Total financial assets			$	543,032		$	535,505		$	519,108		$	514,388		$	523,297		$	519,931
	Financial liabilities:
	Deposits	Level 2		$	461,688		$	459,862		$	434,557		$	434,227		$	439,363		$	439,139
	Borrowings	Level 2		35,852			35,548			35,925			35,729			35,925			35,681
	Accrued interest payable	Level 2		200			200			214			214			238			238
	Total financial liabilties			$	497,740		$	495,610		$	470,696		$	470,170		$	475,526		$	475,058
	Limitations- Fair value estimates are made at a specific point in time based on relevant market information and information about the financial instrument.  These estimates do not reflect any premium or discount that could result from offering for sale at one time the Corporation’s entire holdings of a particular financial instrument.  Because no market exists for a significant portion of the Corporation’s financial instruments, fair value estimates are based on judgments regarding future expected loss experience, current economic conditions, risk characteristics of various financial instruments, and other factors.  These estimates are subjective in nature and involve uncertainties and matters of significant judgment and therefore cannot be determined with precision.  Changes in assumptions could significantly affect the estimates.  Fair value estimates are based on existing on-and off-balance-sheet financial instruments without attempting to estimate the value of anticipated future business and the value of assets and liabilities that are not considered financial instruments.  Significant assets and liabilities that are not considered financial assets or liabilities include premises and equipment, other assets, and other liabilities.  In addition, the tax ramifications related to the realization of the unrealized gains and losses can have a significant effect on fair value estimates and have not been considered in the estimates.
	The following is information about the Corporation’s assets and liabilities measured at fair value on a recurring basis at September 30, 2013, and the valuation techniques used by the Corporation to determine those fair values.
	Level 1:                                               In general, fair values determined by Level 1 inputs use quoted prices in active markets for identical assets or liabilities that the Corporation has the ability to access.
	Level 2:                                               Fair values determined by Level 2 inputs use other inputs that are observable, either directly or indirectly.  These Level 2 inputs include quoted prices for similar assets and liabilities in active markets, and other inputs such as interest rates and yield curves that are observable at commonly quoted intervals.
	Level 3:                                               Level 3 inputs are unobservable inputs, including inputs available in situations where there is little, if any, market activity for the related asset or liability.
	The fair value of all investment securities at September 30, 2013 and September 30, 2012 were based on level 2 inputs.  There are no other assets or liabilities measured on a recurring basis at fair value.  For additional information regarding investment securities, please refer to “Note 3 Investment Securities.”
	The Corporation had no Level 3 assets or liabilities on a recurring basis as of September 30, 2013, December 31, 2012 or September 30, 2012.
	In instances where inputs used to measure fair value fall into different levels in the above fair value hierarchy, fair value measurements in their entirety are categorized based on the lowest level input that is significant to the valuation.  The Corporation’s assessment of the significance of particular inputs to these fair value measurements requires judgment and considers factors specific to each asset or liability.
	The Corporation also has assets that under certain conditions are subject to measurement at fair value on a non-recurring basis.  These assets include loans and other real estate owned.  The Corporation has estimated the fair values of these assets using Level 3 inputs, specifically discounted cash flow projections.
	Assets Measured at Fair Value on a Nonrecurring Basis at September 30, 2013
					Quoted Prices			Significant			Significant
					in Active Markets			Other Observable			Unobservable			Total Losses for			Total Losses for
		Balance at			for Identical Assets			Inputs			Inputs			Three Months Ended			Nine Months Ended
	(dollars in thousands)	September 30, 2013			(Level 1)			(Level 2)			(Level 3)			September 30, 2013			September 30, 2013
	Assets
	Impaired loans	$	4,313		$	—		$	—		$	4,313		$	531		$	949
	Other real estate owned	2,568			—			—			2,568			57			146
														$	588		$	1,095
	Assets Measured at Fair Value on a Nonrecurring Basis at December 31, 2012
					Quoted Prices			Significant			Significant
					in Active Markets			Other Observable			Unobservable			Total Losses for
		Balance at			for Identical Assets			Inputs			Inputs			Year Ended
	(dollars in thousands)	December 31, 2012			(Level 1)			(Level 2)			(Level 3)			December 31, 2012
	Assets
	Impaired loans	$	4,687		$	—		$	—		$	4,687		$	1,151
	Other real estate owned	3,212			—			—			3,212			489
														$	1,640
	Assets Measured at Fair Value on a Nonrecurring Basis at September 30, 2012
					Quoted Prices			Significant			Significant
					in Active Markets			Other Observable			Unobservable			Total Losses for			Total Losses for
		Balance at			for Identical Assets			Inputs			Inputs			Three Months Ended			Nine Months Ended
	(dollars in thousands)	September 30, 2012			(Level 1)			(Level 2)			(Level 3)			September 30, 2012			September 30, 2012
	Assets
	Impaired loans	$	5,290		$	—		$	—		$	5,290		$	53		$	1,065
Other real estate owned	3,511			—			—			3,511			265			450
													$	318		$	1,515
The Corporation had no investments subject to fair value measurement on a nonrecurring basis.
Impaired loans categorized as Level 3 assets consist of non-homogeneous loans that are considered impaired.  The Corporation estimates the fair value of the loans based on the present value of expected future cash flows using management’s best estimate of key assumptions.  These assumptions include future payment ability, timing of payment streams, and estimated realizable values of available collateral (typically based on outside appraisals).

SHAREHOLDERS_EQUITY

SHAREHOLDER'S EQUITY	9 Months Ended
	Sep. 30, 2013
SHAREHOLDER'S EQUITY	'
SHAREHOLDER'S EQUITY	'
	10.       SHAREHOLDER’S EQUITY
	Participation in the TARP Capital Purchase Program
	On April 24, 2009, the Corporation entered into and closed a Letter Agreement, including the Securities Purchase Agreement-Standard Terms (collectively, the “Securities Purchase Agreement”), related to the TARP Capital Purchase Program (“CPP”).  Pursuant to the Securities Purchase Agreement, the Corporation issued and sold to the Treasury (i) 11,000 shares of the Corporation’s Series A Preferred Shares, and (ii) the Warrant to purchase 379,310 shares of the Corporation’s Common Shares, at an exercise price of $4.35 per share (subject to certain anti-dilution and other adjustments), for an aggregate purchase price of $11.000 million in cash.
	Amounts recorded for Preferred Stock and Warrant Common Stock were estimated based on an allocation of the total proceeds from the issuance on the relative fair values of both instruments.  Fair value of the Preferred Stock was determined based on assumptions regarding the discount rate (market rate) on the Preferred Stock (estimated 12%).  Fair value of the Warrant Common Stock is based on the value of the underlying Preferred Stock based on an estimate for a three year term.  The allocation of the proceeds received resulted in the recording of a discount on the Preferred Stock and a premium on the Warrant Common Stock.  The discount on the preferred was accreted on an effective yield basis over a three-year term.  The allocated carrying value of the Preferred Stock and Warrant Common Stock on the date of issuance (based on their relative fair values) was $10.382 million and $.618 million, respectively.  Cumulative dividends on the Preferred Stock are payable at 5% annum for the first five years and at a rate of 9% per annum thereafter on the liquidation preference of $1,000 per share.  The Corporation is prohibited from paying any dividend with respect to shares of common stock unless all accrued and unpaid dividends are paid in full on the Preferred Stock for all past dividend periods.  The Preferred Stock is non-voting, other than class voting rights on matters that could adversely affect the Preferred Stock.  The Preferred Stock may be redeemed at any time with regulatory approval.  The preferred stock qualifies as Tier 1 Capital for regulatory purposes at the holding company.  The preferred stock was auctioned by the Treasury in 2012 and is now held by various investors.  The warrants were purchased from the Treasury in December 2012 at a cost of $1.300 million.
	In the 2013 second quarter, the Corporation redeemed $7.0 million of the $11.0 million outstanding preferred stock at par.

COMMITMENTS_CONTINGENCIES_AND_

COMMITMENTS, CONTINGENCIES AND CREDIT RISK	9 Months Ended
	Sep. 30, 2013
COMMITMENTS, CONTINGENCIES AND CREDIT RISK	'
COMMITMENTS, CONTINGENCIES AND CREDIT RISK	'
	11.       COMMITMENTS, CONTINGENCIES AND CREDIT RISK
	Financial Instruments With Off-Balance-Sheet Risk
	The Corporation 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.  Those instruments involve, to varying degrees, elements of credit risk in excess of the amount recognized in the consolidated balance sheets.
	The Corporation’s exposure to credit loss, in the event of nonperformance by the other party to the financial instrument for commitments to extend credit and standby letters of credit, is represented by the contractual amount of those instruments.  The Corporation uses the same credit policies in making commitments and conditional obligations as it does for on-balance-sheet instruments.  These commitments are as follows (dollars in thousands):
		September 30,		December 31,		September 30,
		2013		2012		2012
	Commitments to extend credit:
	Variable rate	$	32,061	$	39,782	$	38,068
	Fixed rate	24,536		18,427		21,247
	Standby letters of credit - Variable rate	4,741		2,879		3,816
	Credit card commitments - Fixed rate	3,162		3,060		3,161
		$	64,500	$	64,148	$	66,292
	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 Corporation evaluates each customer’s creditworthiness on a case-by-case basis.  The amount of collateral obtained, if deemed necessary by the Corporation upon extension of credit, is based on management’s credit evaluation of the party.  Collateral held varies, but may include accounts receivable, inventory, property, plant and equipment, and income-producing commercial properties.
	Standby letters of credit are conditional commitments issued by the Corporation 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 loan facilities to customers.  The commitments are structured to allow for 100% collateralization on all standby letters of credit.
	Credit card commitments are commitments on credit cards issued by the Corporation’s subsidiary and serviced by other companies.  These commitments are unsecured.
	Legal Proceedings and Contingencies
	In the normal course of business, the Corporation is involved in various legal proceedings.  For expanded discussion on the Corporation’s legal proceedings, see Part II, Item 1, “Legal Proceedings” in this report.
	Concentration of Credit Risk
	The Bank grants commercial, residential, agricultural, and consumer loans throughout Michigan.  The Bank’s most prominent concentration in the loan portfolio relates to commercial real estate loans to operators of nonresidential buildings.  This concentration at September 30, 2013 represents $101.406 million, or 28.68%, compared to $88.505 million, or 26.83%, of the commercial loan portfolio on September 30, 2012.  The remainder of the commercial loan portfolio is diversified in such categories as hospitality and tourism, real estate agents and managers, new car dealers, gaming, petroleum, forestry, agriculture and construction.  Due to the diversity of the Bank’s locations, the ability of debtors of residential and consumer loans to honor their obligations is not tied to any particular economic sector.

SUMMARY_OF_SIGNIFICANT_ACCOUNT1

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies)	9 Months Ended
	Sep. 30, 2013
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	'
Basis of Presentation	'
	Basis of Presentation
	The unaudited condensed consolidated financial statements of Mackinac Financial Corporation (the “Corporation”) have been prepared in accordance with generally accepted accounting principles for interim financial information and the instructions to Form 10-Q and Rule 10-01 of Regulation S-X.  Accordingly, they do not include all of the information and footnotes required by generally accepted accounting principles for complete financial statements.  In the opinion of management, all adjustments (consisting of normal recurring accruals) considered necessary for a fair presentation have been included.  Operating results for the nine-month period ended September 30, 2013 are not necessarily indicative of the results that may be expected for the year ending December 31, 2013.  The unaudited consolidated financial statements and footnotes thereto should be read in conjunction with the audited consolidated financial statements and footnotes thereto included in the Corporation’s Annual Report on Form 10-K for the year ended December 31, 2012.
	In order to properly reflect some categories of other income and other expenses, reclassifications of expense and income items have been made to prior period numbers.  The “net” other income and other expenses was not changed due to these reclassifications.
	The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenue 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, and the valuation of deferred tax assets, mortgage servicing rights and other real estate held for sale.
Allowance for Loan Losses	'
	Allowance for Loan Losses
	The allowance for loan losses includes specific allowances related to commercial loans, when they have been judged to be impaired.  A loan is impaired when, based on current information, it is probable that the Corporation will not collect all amounts due in accordance with the contractual terms of the loan agreement.  These specific allowances are based on discounted cash flows of expected future payments using the loan’s initial effective interest rate or the fair value of the collateral if the loan is collateral dependent.
	The Corporation continues to maintain a general allowance for loan losses for loans not considered impaired.  The allowance for loan losses is maintained at a level which management believes is adequate to provide for possible loan losses.  Management periodically evaluates the adequacy of the allowance using the Corporation’s past loan loss experience, known and inherent risks in the portfolio, composition of the portfolio, current economic conditions, and other factors.  The allowance does not include the effects of expected losses related to future events or future changes in economic conditions.  This evaluation is inherently subjective since it requires material estimates that may be susceptible to significant change.  Loans are charged against the allowance for loan losses when management believes the collectability of the principal is unlikely.  In addition, various regulatory agencies periodically review the allowance for loan losses.  These agencies may require additions to the allowance for loan losses based on their judgments of collectability.
	In management’s opinion, the allowance for loan losses is adequate to cover probable losses relating to specifically identified loans, as well as probable losses inherent in the balance of the loan portfolio as of the balance sheet date.
Stock Compensation Plans	'
	Stock Compensation Plans
	The Corporation has three stock compensation plans, which are now expired.  One plan was approved during 2000 and applies to officers, employees, and nonemployee directors.  This plan was amended as a part of the December 2004 stock offering and recapitalization.  The amendment, approved by shareholders, increased the shares available under this plan by 428,587 shares from the original 25,000 (adjusted for the 1:20 reverse stock split), to a total authorized share balance of 453,587.   The other two plans, one for officers and employees and the other for nonemployee directors, were approved in 1997.  A total of 30,000 shares (adjusted for the 1:20 split), were made available for grant under these plans.  Options under all of the plans were granted at the discretion of a committee of the Corporation’s Board of Directors.  Options to purchase shares of the Corporation’s stock were granted at a price equal to the market price of the stock at the date of grant.  The committee determined the vesting of the options when they were granted as established under the plan.
	On May 22, 2012, the Corporation’s shareholders approved the Mackinac Financial Corporation 2012 Incentive Compensation Plan, under which current and prospective employees, non-employee directors and consultants may be awarded incentive stock options, non-statutory stock options, shares of restricted stock units (“RSUs”), or stock appreciation rights.  The aggregate number of shares of the Corporation’s common stock issuable under the plan is 757,848.
	On August 31, 2012, the Corporation granted 148,500 RSUs to certain members of management and all outside directors at the market value of the stock, which was $7.91.  The RSUs were awarded at no cost to the employee and vest ratably over a four-year period.  Compensation cost to be recognized over the four-year vesting period is $1.175 million.  As of September 30, 2013, 37,125 of the RSUs were vested and issued.  The unrecognized compensation expense was $.851 million as of September 30, 2013.

EARNINGS_PER_SHARE_Tables

EARNINGS PER SHARE (Tables)	9 Months Ended
	Sep. 30, 2013
EARNINGS PER SHARE	'
Schedule showing the computation of basic and diluted earnings per share	'
	The following shows the computation of basic and diluted earnings per share for the three and nine months ended September 30, 2013 and 2012 (dollars in thousands, except per share data):
		Three Months Ended September 30,				Nine Months Ended September 30,
		2013		2012		2013		2012
	(Numerator):
	Net income	$	896	$	1,034	$	2,969	$	6,027
	Preferred stock dividends and accretion of discount	50		137		250		491
	Net income available to common shareholders	$	846	$	897	$	2,719	$	5,536
	(Denominator):
	Weighted average shares outstanding - basic	5,562,835		4,722,029		5,559,108		3,857,002
	Dilutive effect of common stock warrants	—		136,186		—		119,850
	Weighted average shares outstanding - diluted	5,562,835		4,858,215		5,559,108		3,976,852
	Income per common share*:
	Basic	$	0.15	$	0.21	$	0.49	$	1.3
	Diluted	$	0.15	$	0.2	$	0.49	$	1.25
	*Earnings per share data for 2012 restated for common stock issuance

INVESTMENT_SECURITIES_Tables

INVESTMENT SECURITIES (Tables)	9 Months Ended
	Sep. 30, 2013
INVESTMENT SECURITIES	'
Schedule of amortized cost and estimated fair value of investment securities available for sale	'
	The amortized cost and estimated fair value of investment securities available for sale as of September 30, 2013, December 31, 2012 and September 30, 2012 are as follows (dollars in thousands):
				Gross		Gross
		Amortized		Unrealized		Unrealized			Estimated
		Cost		Gains		Losses			Fair Value
	September 30, 2013
	US Agencies - MBS	$	7,236	$	315	$	—		$	7,551
	US Agencies	16,003		66		(336		)	15,733
	Corporate Bonds	18,451		192		(4		)	18,639
	Obligations of states and political subdivisions	5,876		297		—			6,173
	Total securities available for sale	$	47,566	$	870	$	(340	)	$	48,096
	December 31, 2012
	US Agencies - MBS	$	7,962	$	412	$	—		$	8,374
	US Agencies	10,267		137		—			10,404
	Corporate Bonds	18,763		237		(23		)	18,977
	Obligations of states and political subdivisions	5,407		637		—			6,044
	Total securities available for sale	$	42,399	$	1,423	$	(23	)	$	43,799
	September 30, 2012
	US Agencies - MBS	$	8,282	$	388	$	—		$	8,670
	US Agencies	10,303		154		—			10,457
	Corporate Bonds	17,180		232		(9		)	17,403
	Obligations of states and political subdivisions	5,391		557		(2		)	5,946
	Total securities available for sale	$	41,156	$	1,331	$	(11	)	$	42,476

LOANS_Tables

LOANS (Tables)	9 Months Ended
	Sep. 30, 2013
LOANS	'
Schedule of composition of loans	'
	The composition of loans is as follows (dollars in thousands):
		September 30,			December 31,			September 30,
		2013			2012			2012
	Commercial real estate	$	257,961		$	244,966		$	224,061
	Commercial, financial, and agricultural	79,511			80,646			84,073
	One to four family residential real estate	98,770			87,948			86,643
	Construction :
	Consumer	5,734			7,465			6,803
	Commerical	16,054			17,229			21,757
	Consumer	14,465			10,923			10,621
	Total loans	$	472,495		$	449,177		$	433,958
Schedule of the allowance for loan losses	'
	An analysis of the allowance for loan losses for nine months ended September 30, 2013, the year ended December 31, 2012 and the nine months ended September 30, 2012 is as follows (dollars in thousands):
		September 30,			December 31,			September 30,
		2013			2012			2012
	Balance at beginning of period	$	5,218		$	5,251		$	5,251
	Recoveries on loans previously charged off	154			278			231
	Loans charged off	(1,263		)	(1,256		)	(1,091		)
	Provision	850			945			795
	Balance at end of period	$	4,959		$	5,218		$	5,186
Schedule of breakdown of the allowance for loan losses and recorded balances in loans	'
	A breakdown of the allowance for loan losses and recorded balances in loans at September 30, 2013 is as follows (dollars in thousands):
					Commercial,						One to four
		Commercial			financial and			Commercial			family residential			Consumer
		real estate			agricultural			construction			real estate			construction			Consumer			Unallocated			Total
	Three Months Ended September 30, 2013
	Allowance for loan loss reserve:
	Beginning balance ALLR	$	2,661		$	1,090		$	97		$	877		$	—		$	13		$	439		$	5,177
	Charge-offs	(132		)	(476		)	—			(25		)	—			(14		)	—			(647		)
	Recoveries	23			20			—			6			1			4			—			54
	Provision	3			522			(16		)	44			(1		)	15			(192		)	375
	Ending balance ALLR	$	2,555		$	1,156		$	81		$	902		$	—		$	18		$	247		$	4,959
	Nine Months Ended September 30, 2013
	Allowance for loan loss reserve:
	Beginning balance ALLR	$	3,267		$	692		$	125		$	980		$	—		$	—		$	154		$	5,218
	Charge-offs	(588		)	(552		)	—			(38		)	—			(85		)	—			(1,263		)
	Recoveries	64			53			2			17			1			17			—			154
	Provision	(188		)	963			(46		)	(57		)	(1		)	86			93			850
	Ending balance ALLR	$	2,555		$	1,156		$	81		$	902		$	—		$	18		$	247		$	4,959
	At September 30,2013
	Loans:
	Ending balance	$	257,961		$	79,511		$	16,054		$	98,770		$	5,734		$	14,465		$	—		$	472,495
	Ending balance ALLR	(2,555		)	(1,156		)	(81		)	(902		)	—			(18		)	(247		)	(4,959		)
	Net loans	$	255,406		$	78,355		$	15,973		$	97,868		$	5,734		$	14,447		$	(247	)	$	467,536
	Ending balance ALLR:
	Individually evaluated	$	1,407		$	802		$	6		$	246		$	—		$	18		$	—		$	2,479
	Collectively evaluated	1,148			354			75			656			—			—			247			2,480
	Total	$	2,555		$	1,156		$	81		$	902		$	—		$	18		$	247		$	4,959
	Ending balance Loans:
	Individually evaluated	$	13,475		$	7,638		$	798		$	450		$	—		$	35		$	—		$	22,396
	Collectively evaluated	244,486			71,873			15,256			98,320			5,734			14,430			—			450,099
	Total	$	257,961		$	79,511		$	16,054		$	98,770		$	5,734		$	14,465		$	—		$	472,495
	Impaired loans, by definition, are individually evaluated.
	A breakdown of the allowance for loan losses and recorded balances in loans at December 31, 2012 is as follows (dollars in thousands):
					Commercial,						One to four
		Commercial			financial and			Commercial			family residential			Consumer
		real estate			agricultural			construction			real estate			construction			Consumer			Unallocated			Total
	Allowance for loan loss reserve:
	Beginning balance ALLR	$	2,823		$	1,079		$	207		$	1,114		$	—		$	—		$	28		$	5,251
	Charge-offs	(729		)	(40		)	(6		)	(399		)	—			(82		)	—			(1,256		)
	Recoveries	52			201			—			7			—			18			—			278
	Provision	1,121			(548		)	(76		)	258			—			64			126			945
	Ending balance ALLR	$	3,267		$	692		$	125		$	980		$	—		$	—		$	154		$	5,218
	Loans:
	Ending balance	$	244,966		$	80,646		$	17,229		$	87,948		$	7,465		$	10,923		$	—		$	449,177
	Ending balance ALLR	(3,267		)	(692		)	(125		)	(980		)	—			—			(154		)	(5,218		)
	Net loans	$	241,699		$	79,954		$	17,104		$	86,968		$	7,465		$	10,923		$	(154	)	$	443,959
	Ending balance ALLR:
	Individually evaluated	$	1,662		$	155		$	10		$	112		$	—		$	—		$	—		$	1,939
	Collectively evaluated	1,605			537			115			868			—			—			154			3,279
	Total	$	3,267		$	692		$	125		$	980		$	—		$	—		$	154		$	5,218
	Ending balance Loans:
	Individually evaluated	$	22,910		$	6,070		$	858		$	796		$	—		$	—		$	—		$	30,634
	Collectively evaluated	222,056			74,576			16,371			87,152			7,465			10,923			—			418,543
	Total	$	244,966		$	80,646		$	17,229		$	87,948		$	7,465		$	10,923		$	—		$	449,177
	A breakdown of the allowance for loan losses and recorded balances in loans at September 30, 2012 is as follows (dollars in thousands):
					Commercial,						One to four
		Commercial			financial and			Commercial			family residential			Consumer
		real estate			agricultural			construction			real estate			construction			Consumer			Unallocated			Total
	Three Months Ended September 30, 2012
	Allowance for loan loss reserve:
	Beginning balance ALLR	$	2,784		$	888		$	218		$	1,083		$	—		$	—		$	110		$	5,083
	Charge-offs	(36		)	—			—			(23		)	—			(1		)	—			(60		)
	Recoveries	10			1			—			—			—			2			—			13
Provision	90			(114		)	(33		)	177			—			(1		)	31			150
Ending balance ALLR	$	2,848		$	775		$	185		$	1,237		$	—		$	—		$	141		$	5,186
Nine Months Ended September 30, 2012
Allowance for loan loss reserve:
Beginning balance ALLR	$	2,823		$	1,079		$	207		$	1,114		$	—		$	—		$	28		$	5,251
Charge-offs	(726		)	(24		)	(6		)	(319		)	—			(16		)	—			(1,091		)
Recoveries	27			188			—			5			—			11			—			231
Provision	724			(468		)	(16		)	437			—			5			113			795
Ending balance ALLR	$	2,848		$	775		$	185		$	1,237		$	—		$	—		$	141		$	5,186
At September 30, 2012
Loans:
Ending balance	$	224,061		$	84,073		$	21,757		$	86,643		$	6,803		$	10,621		$	—		$	433,958
Ending balance ALLR	(2,848		)	(775		)	(185		)	(1,237		)	—			—			(141		)	(5,186		)
Net loans	$	221,213		$	83,298		$	21,572		$	85,406		$	6,803		$	10,621		$	(141	)	$	428,772
Ending balance ALLR:
Individually evaluated	$	1,198		$	145		$	11		$	277		$	—		$	—		$	—		$	1,631
Collectively evaluated	1,650			630			174			960			—			—			141			3,555
Total	$	2,848		$	775		$	185		$	1,237		$	—		$	—		$	141		$	5,186
Ending balance Loans:
Individually evaluated	$	22,571		$	5,997		$	858		$	1,248		$	—		$	10		$	—		$	30,684
Collectively evaluated	201,490			78,076			20,899			85,395			6,803			10,611			—			403,274
Total	$	224,061		$	84,073		$	21,757		$	86,643		$	6,803		$	10,621		$	—		$	433,958
Schedule of breakdown of loans by risk category	'
	Below is a breakdown of loans by risk category as of September 30, 2013 (dollars in thousands):
		-1			-2			-3			-4			-5			-6			-7			Rating
		Excellent			Good			Average			Acceptable			Sp. Mention			Substandard			Doubtful			Unassigned			Total
	Commercial real estate	$	2,240		$	23,675		$	88,105		$	123,373		$	16,117		$	4,451		$	—		$	—		$	257,961
	Commercial, financial and agricultural	4,260			5,108			22,263			41,851			3,746			2,094			189			—			79,511
	Commercial construction	—			676			5,283			6,167			753			402			—			2,773			16,054
	One to four family residential real estate	—			1,951			2,186			4,522			—			6			—			90,105			98,770
	Consumer construction	—			—			—			—			—			—			—			5,734			5,734
	Consumer	—			102			34			632			—			—			—			13,697			14,465
	Total loans	$	6,500		$	31,512		$	117,871		$	176,545		$	20,616		$	6,953		$	189		$	112,309		$	472,495
	Below is a breakdown of loans by risk category as of December 31, 2012 (dollars in thousands):
		-1			-2			-3			-4			-5			-6			-7			Rating
		Excellent			Good			Average			Acceptable			Sp. Mention			Substandard			Doubtful			Unassigned			Total
	Commercial real estate	$	4,807		$	20,491		$	84,164		$	113,379		$	16,754		$	5,189		$	182		$	—		$	244,966
	Commercial, financial and agricultural	5,026			3,936			23,821			41,785			4,296			1,782			—			—			80,646
	Commercial construction	—			1,038			5,103			5,784			759			1,077			—			3,468			17,229
	One-to-four family residential real estate	—			1,969			3,635			4,791			—			646			—			76,907			87,948
	Consumer construction	—			—			—			—			—			—			—			7,465			7,465
	Consumer	—			359			71			257			—			6			—			10,230			10,923
	Total loans	$	9,833		$	27,793		$	116,794		$	165,996		$	21,809		$	8,700		$	182		$	98,070		$	449,177
	Below is a breakdown of loans by risk category as of September 30, 2012 (dollars in thousands):
		-1			-2			-3			-4			-5			-6			-7			Rating
		Excellent			Good			Average			Acceptable			Sp. Mention			Substandard			Doubtful			Unassigned			Total
	Commercial real estate	$	3,372		$	19,939		$	72,647		$	105,736		$	16,784		$	5,374		$	209		$	—		$	224,061
	Commercial, financial and agricultural	4,306			5,517			25,932			42,097			4,320			1,901			—			—			84,073
	Commercial construction	—			988			5,039			9,995			761			1,092			—			3,882			21,757
	One to four family residential real estate	—			1,979			3,586			4,703			—			709			—			75,666			86,643
	Consumer construction	—			—			—			—			—			—			—			6,803			6,803
	Consumer	—			362			71			233			—			3			—			9,952			10,621
	Total loans	$	7,678		$	28,785		$	107,275		$	162,764		$	21,865		$	9,079		$	209		$	96,303		$	433,958
Summary of impaired loans and their effect on interest income	'
	The following is a summary of impaired loans and their effect on interest income (dollars in thousands):
																	Three Months Ended						Nine Months Ended
								QTD			YTD						Interest Income			Interest Income			Interest Income			Interest Income
		Nonaccrual			Accrual			Average			Average			Related			Recognized			on			Recognized			on
		Basis			Basis			Investment			Investment			Valuation Reserve			During Impairment			Accrual Basis			During Impairment			Accrual Basis
	September 30, 2013
	With no valuation reserve:
	Commercial real estate	$	238		$	—		$	412		$	501		$	—		$	—		$	—		$	—		$	26
	Commercial, financial and agricultural	—			—			147			243			—			—			3			—			9
	Commercial construction	—			—			—			193			—			—			—			—			3
	One to four family residential real estate	67			—			86			140			—			—			2			—			7
	Consumer construction	—			—			—			—			—			—			—			—			—
	Consumer	10			—			9			4			—			—			—			—			—
	With a valuation reserve:
	Commercial real estate	$	2,589		$	—		$	2,581		$	2,557		$	1,272		$	—		$	42		$	—		$	102
	Commercial, financial and agricultural	767			—			741			373			33			—			5			—			11
	Commercial construction	—			—			—			—			—			—			—			—			—
	One to four family residential real estate	642			—			560			396			250			—			8			—			19
	Consumer construction	—			—			—			—			—			—			—			—			—
	Consumer	—			—			—			—			—			—			—			—			—
	Total:
	Commercial real estate	$	2,827		$	—		$	2,993		$	3,058		$	1,272		$	—		$	42		$	—		$	128
	Commercial, financial and agricultural	767			—			888			616			33			—			8			—			20
	Commercial construction	—			—			—			193			—			—			—			—			3
	One to four family residential real estate	709			—			646			536			250			—			10			—			26
	Consumer construction	—			—			—			—			—			—			—			—			—
	Consumer	10			—			9			4			—			—			—			—			—
	Total	$	4,313		$	—		$	4,536		$	4,407		$	1,555		$	—		$	60		$	—		$	177
														Interest Income			Interest Income
	For the Year Ended:	Nonaccrual			Accrual			Average			Related			Recognized			on
	December 31, 2012	Basis			Basis			Investment			Valuation Reserve			During Impairment			Accrual Basis
	With no valuation reserve:
	Commercial real estate	$	132		$	—		$	1,550		$	—		$	—		$	37
	Commercial, financial and agricultural	—			—			1,063			—			—			19
	Commercial construction	675			—			675			—			—			15
	One to four family residential real estate	230			—			1,074			—			—			41
	Consumer construction	—			—			16			—			—			1
	Consumer	—			—			3			—			—			—
	With a valuation reserve:
	Commercial real estate	$	2,939		$	—		$	3,173		$	1,315		$	54		$	177
	Commercial, financial and agricultural	436			—			504			109			—			17
	Commercial construction	—			—			—			—			—			—
	One to four family residential real estate	275			—			281			95			—			6
	Consumer construction	—			—			—			—			—			—
	Consumer	—			—			—			—			—			—
	Total:
	Commercial real estate	$	3,071		$	—		$	4,723		$	1,315		$	54		$	214
	Commercial, financial and agricultural	436			—			1,567			109			—			36
	Commercial construction	675			—			675			—			—			15
	One to four family residential real estate	505			—			1,355			95			—			47
	Consumer construction	—			—			16			—			—			1
	Consumer	—			—			3			—			—			—
	Total	$	4,687		$	—		$	8,339		$	1,519		$	54		$	313
																	Three Months Ended						Nine Months Ended
								QTD			YTD						Interest Income			Interest Income			Interest Income			Interest Income
		Nonaccrual			Accrual			Average			Average			Related			Recognized			on			Recognized			on
		Basis			Basis			Investment			Investment			Valuation Reserve			During Impairment			Accrual Basis			During Impairment			Accrual Basis
	September 30, 2012
	With no valuation reserve:
	Commercial real estate	$	530		$	—		$	533		$	1,135		$	—		$	—		$	9		$	—		$	32
	Commercial, financial and agricultural	—			—			—			1,063			—			—			—			—			18
	Commercial construction	676			—			676			676			—			—			5			—			9
	One to four family residential real estate	156			—			384			818			—			—			4			—			28
Consumer construction	15			—			15			16			—			—			—			—			1
Consumer	—			—			—			—			—			—			—			—			—
With a valuation reserve:
Commercial real estate	$	3,161		$	—		$	3,177		$	3,663		$	937		$	17		$	42		$	54		$	136
Commercial, financial and agricultural	287			—			281			398			90			—			4			—			12
Commercial construction	—			—			—			—			—			—			—			—			—
One to four family residential real estate	462			—			267			463			188			—			8			—			10
Consumer construction	—			—			—			—			—			—			—			—			—
Consumer	3			—			1			3			3			—			—			—			—
Total:
Commercial real estate	$	3,691		$	—		$	3,710		$	4,798		$	937		$	17		$	51		$	54		$	168
Commercial, financial and agricultural	287			—			281			1,461			90			—			4			—			30
Commercial construction	676			—			676			676			—			—			5			—			9
One to four family residential real estate	618			—			651			1,281			188			—			12			—			38
Consumer construction	15			—			15			16			—			—			—			—			1
Consumer	3			—			1			3			3			—			—			—			—
Total	$	5,290		$	—		$	5,334		$	8,235		$	1,218		$	17		$	72		$	54		$	246
Summary of past due loans	'
	A summary of past due loans at September 30, 2013, December 31, 2012 and September 30, 2012 is as follows (dollars in thousands):
		September 30,									December 31,									September 30,
		2013									2012									2012
		30-89 days			90+ days						30-89 days			90+ days						30-89 days			90+ days
		Past Due			Past Due/						Past Due			Past Due/						Past Due			Past Due/
		(accruing)			Nonaccrual			Total			(accruing)			Nonaccrual			Total			(accruing)			Nonaccrual			Total
	Commercial real estate	$	—		$	2,827		$	2,827		$	575		$	3,071		$	3,646		$	427		$	3,691		$	4,118
	Commercial, financial and agricultural	100			767			867			71			436			507			64			287			351
	Commercial construction	—			—			—			—			675			675			47			676			723
	One to four family residential real estate	186			709			895			291			505			796			582			618			1,200
	Consumer construction	—			—			—			—			—			—			—			15			15
	Consumer	31			10			41			14			—			14			99			3			102
	Total past due loans	$	317		$	4,313		$	4,630		$	951		$	4,687		$	5,638		$	1,219		$	5,290		$	6,509
Schedule of roll-forward of nonaccrual activity	'
	A roll-forward of nonaccrual activity for the three months ended September 30, 2013 (dollars in thousands):
		For the Three Months Ended September 30, 2013
					Commercial,						One to four
		Commercial			Financial and			Commercial			family residential			Consumer
		Real Estate			Agricultural			Construction			real estate			Construction			Consumer			Total
	NONACCRUAL
	Beginning balance	$	3,057		$	517		$	—		$	400		$	—		$	9		$	3,983
	Principal payments	(26		)	(224		)	—			(12		)	—			(1		)	(263		)
	Charge-offs	(23		)	(476		)	—			(24		)	—			—			(523		)
	Advances	—			—			—			—			—			—			—
	Class transfers	—			—			—			—			—			—			—
	Transfers to OREO	(208		)	(37		)	—			—			—			—			(245		)
	Transfers to accruing	—			—			—			—			—			—			—
	Transfers from accruing	—			966			—			344			—			2			1,312
	Other	27			21			—			1									49
	Ending balance	$	2,827		$	767		$	—		$	709		$	—		$	10		$	4,313
	A roll-forward of nonaccrual activity for the three months ended September 30, 2012 (dollars in thousands):
		For the Three Months Ended September 30, 2012
					Commercial,						One to four
		Commercial			Financial and			Commercial			family residential			Consumer
		Real Estate			Agricultural			Construction			real estate			Construction			Consumer			Total
	NONACCRUAL
	Beginning balance	$	3,749		$	278		$	676		$	657		$	15		$	—		$	5,375
	Principal payments	(89		)	(1		)	—			(2		)	—			—			(92		)
	Charge-offs	—			—			—			(14		)	—			—			(14		)
	Advances	—			—			—			—			—			—			—
	Class transfers	—			—			—			(329		)	—			—			(329		)
	Transfers to OREO	—			—			—			—			—			—			—
	Transfers to accruing	—			—			—			—			—			—			—
	Transfers from accruing	—			7			—			304			—			3			314
	Other	31			3			—			2			—			—			36
	Ending balance	$	3,691		$	287		$	676		$	618		$	15		$	3		$	5,290
	A roll-forward of nonaccrual activity for the nine months ended September 30, 2013 (dollars in thousands):
		For the Nine Months Ended September 30, 2013
					Commercial,						One to four
		Commercial			Financial and			Commercial			family residential			Consumer
		Real Estate			Agricultural			Construction			real estate			Construction			Consumer			Total
	NONACCRUAL
	Beginning balance	$	3,071		$	436		$	675		$	505		$	—		$	—		$	4,687
	Principal payments	(174		)	(292		)	(100		)	(77		)	—			(1		)	(644		)
	Charge-offs	(352		)	(548		)	—			(37		)	—			(4		)	(941		)
	Advances	—			—			—			—			—			—			—
	Class transfers	—			—			—			—			—			—			—
	Transfers to OREO	(208		)	(37		)	(580		)	(107		)	—			—			(932		)
	Transfers to accruing	—			—			—			—			—			—			—
	Transfers from accruing	443			1,207			—			420			—			15			2,085
	Other	47			1			5			5			—			—			58
	Ending balance	$	2,827		$	767		$	—		$	709		$	—		$	10		$	4,313
	A roll-forward of nonaccrual activity for the nine months ended September 30, 2012 (dollars in thousands):
		For the Nine Months Ended September 30, 2012
					Commercial,						One to four
		Commercial			Financial and			Commercial			family residential			Consumer
		Real Estate			Agricultural			Construction			real estate			Construction			Consumer			Total
	NONACCRUAL
	Beginning balance	$	2,362		$	1,111		$	—		$	1,997		$	20		$	—		$	5,490
	Principal payments	(1,101		)	(1,383		)	—			(1,054		)	—			—			(3,538		)
	Charge-offs	(463		)	—			—			(307		)	(5		)	—			(775		)
	Advances	—			—			—			—			—			—			—
	Class transfers	—			—			—			—			—			—			—
	Transfers to OREO	(465		)	—			—			(548		)	—			—			(1,013		)
	Transfers to accruing	—			—			—			—			—			—			—
	Transfers from accruing	3,288			566			676			524			—			3			5,057
	Other	70			(7		)	—			6			—			—			69
Ending balance	$	3,691		$	287		$	676		$	618		$	15		$	3		$	5,290
A roll-forward of nonaccrual activity during the year ended December 31, 2012 (dollars in thousands):
				Commercial,						One to four
	Commercial			Financial and			Commercial			family residential			Consumer
	Real Estate			Agricultural			Construction			real estate			Construction			Consumer			Total
NONACCRUAL
Beginning balance	$	2,362		$	1,111		$	—		$	1,997		$	20		$	—		$	5,490
Principal payments	(1,569		)	(1,385		)	—			(1,068		)	—			—			(4,022		)
Charge-offs	(463		)	—			—			(387		)	(5		)	(3		)	(858		)
Advances	—			—			—			—			—			—			—
Class transfers	—			—			—			—			—			—			—
Transfers to OREO	(675		)	—			—			(662		)	(15		)	—			(1,352		)
Transfers to accruing	—			—			—			—			—			—			—
Transfers from accruing	3,377			716			675			617			—			3			5,388
Other	39			(6		)	—			8			—			—			41
Ending balance	$	3,071		$	436		$	675		$	505		$	—		$	—		$	4,687
Summary of troubled debt restructurings	'
	A summary of troubled debt restructurings for the periods indicated is as follows (dollars in thousands):
		September  30,					December 31,					September  30,
		2013					2012					2012
		Number of		Recorded			Number of		Recorded			Number of		Recorded
		Modifications		Investment			Modifications		Investment			Modifications		Investment
	Commercial real estate	—		$	—		3		$	4,614		4		$	5,799
	Commercial, financial and agricultural	1		528			1		1,221			1		1,221
	Commercial construction	—		—			3		860			3		858
	One to four family residential real estate	—		—			1		102			1		102
	Consumer construction	—		—			—		—			—		—
	Consumer	—		—			—		—			—		—
	Total troubled debt restructurings	1		$	528		8		$	6,797		9		$	7,980
Schedule of roll-forward of troubled debt restructurings	'
	A roll-forward of troubled debt restructuring during the three months ended September 30, 2013 (dollars in thousands):
					Commercial,						One to four			Consumer and
		Commercial			Financial and			Commercial			family residential			Consumer
		Real Estate			Agricultural			Construction			real estate			Construction			Total
	ACCRUING
	Beginning balance	$	3,563		$	2,174		$	858		$	100		$	—		$	6,695
	Principal payments	(20		)	(25		)	—			(1		)				(46		)
	Charge-offs	—			(400		)	—			—			—			(400		)
	Advances	—			—			—			—			—			—
	New restructured	—			—			—			—			—			—
	Transferred out of TDR	—			—			—			—			—			—
	Transfers to nonaccrual	—			(528		)	—			—			—			(528		)
	Ending Balance	$	3,543		$	1,221		$	858		$	99		$	—		$	5,721
	NONACCRUAL
	Beginning balance	$	2,169		$	—		$	—		$	106		$	—		$	2,275
	Principal payments	(87		)	—			—			(14		)	—			(101		)
	Charge-offs	—			—			—			—			—			—
	Advances	—			—			—			—			—			—
	New restructured	—			—			—			—			—			—
	Transfers to foreclosed properties	—			—			—			—			—			—
	Transfers from accruing	—			528			—			—			—			528
	Ending Balance	$	2,082		$	528		$	—		$	92		$	—		$	2,702
	TOTALS
	Beginning balance	$	5,732		$	2,174		$	858		$	206		$	—		$	8,970
	Principal payments	(107		)	(25		)	—			(15		)	—			(147		)
	Charge-offs	—			(400		)	—			—			—			(400		)
	Advances	—			—			—			—			—			—
	New restructured	—			—			—			—			—			—
	Transfers out of TDRs	—			—			—			—			—			—
	Tansfers to nonaccrual	—			(528		)	—			—			—			(528		)
	Transfers to foreclosed properties	—			—			—			—			—			—
	Transfers from accruing	—			528			—			—			—			528
	Ending Balance	$	5,625		$	1,749		$	858		$	191		$	—		$	8,423
	A roll-forward of troubled debt restructuring during the three months ended September 30, 2012 (dollars in thousands):
					Commercial,						One to four			Consumer and
		Commercial			Financial and			Commercial			family residential			Consumer
		Real Estate			Agricultural			Construction			real estate			Construction			Total
	ACCRUING
	Beginning balance	$	3,645		$	1,221		$	858		$	102		$	—		$	5,826
	Principal payments	(14		)	—			—			—			—			(14		)
	Charge-offs	—			—			—			—			—			—
	Advances	—			—			—			—			—			—
	New restructured	—			—			—			—			—			—
	Transferred out of TDRs	—			—			—			—			—			—
	Transfers to nonaccrual	—			—			—			—			—			—
	Ending Balance	$	3,631		$	1,221		$	858		$	102		$	—		$	5,812
	NONACCRUAL
	Beginning balance	$	2,188		$	—		$	—		$	—		$	—		$	2,188
	Principal payments	(47		)	—			—			—			—			(47		)
	Charge-offs	—			—			—			—			—			—
	Advances	27			—			—			—			—			27
	New restructured	—			—			—			—			—			—
	Transfers to foreclosed properties	—			—			—			—			—			—
	Transfers from accruing	—			—			—			—			—			—
	Ending Balance	$	2,168		$	—		$	—		$	—		$	—		$	2,168
	TOTALS
	Beginning balance	$	5,833		$	1,221		$	858		$	102		$	—		$	8,014
	Principal payments	(61		)	—			—			—			—			(61		)
	Charge-offs	—			—			—			—			—			—
	Advances	27			—			—			—			—			27
	New restructured	—			—			—			—			—			—
	Transfers out of TDRs	—			—			—			—			—			—
	Tansfers to nonaccrual	—			—			—			—			—			—
Transfers to foreclosed properties	—			—			—			—			—			—
Transfers from accruing	—			—			—			—			—			—
Ending Balance	$	5,799		$	1,221		$	858		$	102		$	—		$	7,980
A roll-forward of troubled debt restructuring during the nine months ended September 30, 2013 (dollars in thousands):
				Commercial,						One to four			Consumer and
	Commercial			Financial and			Commercial			family residential			Consumer
	Real Estate			Agricultural			Construction			real estate			Construction			Total
ACCRUING
Beginning balance	$	3,611		$	1,221		$	858		$	102		$	—		$	5,792
Principal payments	(68		)	(25		)	—			(3		)	—			(96		)
Charge-offs	—			(400		)	—			—			—			(400		)
Advances	—			—			—			—			—			—
New restructured	—			953			—			—			—			953
Transferred out of TDRs	—			—			—			—			—			—
Transfers to nonaccrual	—			(528		)	—			—			—			(528		)
Ending Balance	$	3,543		$	1,221		$	858		$	99		$	—		$	5,721
NONACCRUAL
Beginning balance	$	2,162		$	—		$	—		$	102		$	—		$	2,264
Principal payments	(87		)	—			—			(14		)	—			(101		)
Charge-offs	—			—			—			—			—			—
Advances	—			—			—			—			—			—
New restructured	7			—			—			4			—			11
Transfers to foreclosed properties	—			—			—			—			—			—
Transfers from accruing	—			528			—			—			—			528
Ending Balance	$	2,082		$	528		$	—		$	92		$	—		$	2,702
TOTALS
Beginning balance	$	5,773		$	1,221		$	858		$	204		$	—		$	8,056
Principal payments	(155		)	(25		)	—			(17		)	—			(197		)
Charge-offs	—			(400		)	—			—			—			(400		)
Advances	—			—			—			—			—			—
New restructured	7			953			—			4			—			964
Transfers out of TDR	—			—			—			—			—			—
Transfers to nonaccrual	—			(528		)	—			—			—			(528		)
Transfers to foreclosed properties	—			528			—			—			—			528
Transfer from accruing	—			—			—			—			—			—
Ending Balance	$	5,625		$	1,749		$	858		$	191		$	—		$	8,423
A roll-forward of troubled debt restructuring during the nine months ended September 30, 2012 (dollars in thousands):
				Commercial,						One to four			Consumer and
	Commercial			Financial and			Commercial			family residential			Consumer
	Real Estate			Agricultural			Construction			real estate			Construction			Total
ACCRUING
Beginning balance	$	2,400		$	—		$	—		$	103		$	—		$	2,503
Principal payments	(64		)	—			(2		)	(1		)	—			(67		)
Charge-offs	—			—			—			—			—			—
Advances	—			—			—			—			—			—
New restructured	3,695			1,221			860			—			—			5,776
Transferred out of TDRs	—			—			—			—			—			—
Transfers to nonaccrual	(2,400		)	—			—			—			—			(2,400		)
Ending Balance	$	3,631		$	1,221		$	858		$	102		$	—		$	5,812
NONACCRUAL
Beginning balance	$	—		$	—		$	—		$	—		$	—		$	—
Principal payments	(426		)	—			—			—			—			(426		)
Charge-offs	(772		)	—			—			—			—			(772		)
Advances	47			—			—			—			—			47
New restructured	919			—			—			—			—			919
Transfers to foreclosed properties	—			—			—			—			—			—
Transfers from accruing	2,400			—			—			—			—			2,400
Ending Balance	$	2,168		$	—		$	—		$	—		$	—		$	2,168
TOTALS
Beginning balance	$	2,400		$	—		$	—		$	103		$	—		$	2,503
Principal payments	(490		)	—			(2		)	(1		)	—			(493		)
Charge-offs	(772		)	—			—			—			—			(772		)
Advances	47			—			—			—			—			47
New restructured	4,614			1,221			860			—			—			6,695
Transfers out of TDRs	—			—			—			—			—			—
Transfers to nonaccrual	(2,400		)	—			—			—			—			(2,400		)
Transfers to foreclosed properties	—			—			—			—			—			—
Transfers from accruing	2,400			—			—			—			—			2,400
Ending Balance	$	5,799		$	1,221		$	858		$	102		$	—		$	7,980
A roll-forward of troubled debt restructuring during the year ended December 31, 2012 (dollars in thousands):
				Commercial,						One to four			Consumer and
	Commercial			Financial and			Commercial			family residential			Consumer
	Real Estate			Agricultural			Construction			real estate			Construction			Total
ACCRUING
Beginning balance	$	2,400		$	—		$	—		$	103		$	—		$	2,503
Principal payments	(84		)	—			(2		)	(1		)	—			(87		)
Charge-offs	—			—			—			—			—			—
Advances	—			—			—			—			—			—
New restructured	3,695			1,221			860			—			—			5,776
Transferred out of TDRs	—			—			—			—			—			—
Transfers to nonaccrual	(2,400		)	—			—			—			—			(2,400		)
Ending Balance	$	3,611		$	1,221		$	858		$	102		$	—		$	5,792
NONACCRUAL
Beginning balance	$	—		$	—		$	—		$	—		$	—		$	—
Principal payments	(432		)	—			—			—			—			(432		)
Charge-offs	(772		)	—			—			—			—			(772		)
Advances	47			—			—			—			—			47
New restructured	919			—			—			102			—			1,021
Transfers to foreclosed properties	—			—			—			—			—			—
Transfers from accruing	2,400			—			—			—			—			2,400
Ending Balance	$	2,162		$	—		$	—		$	102		$	—		$	2,264
TOTALS
Beginning balance	$	2,400		$	—		$	—		$	103		$	—		$	2,503
Principal payments	(516		)	—			(2		)	(1		)	—			(519		)
Charge-offs	(772		)	—			—			—			—			(772		)
Advances	47			—			—			—			—			47
New restructured	4,614			1,221			860			102			—			6,797
Transfers out of TDRs	—			—			—			—			—			—
Transfers to nonaccrual	(2,400		)	—			—			—			—			(2,400		)
Transfers to foreclosed properties	—			—			—			—			—			—
Transfers from accruing	2,400			—			—			—			—			2,400
Ending Balance	$	5,773		$	1,221		$	858		$	204		$	—		$	8,056
Schedule of activity in insider loans granted to the entity's executive officers and directors, including their families and firms	'
	The Bank, in the ordinary course of business, grants loans to the Corporation’s executive officers and directors, including their families and firms in which they are principal owners. Activity in such loans is summarized below (dollars in thousands):
		September 30,			December 31,			September 30,
		2013			2012			2012
	Loans outstanding, beginning of period	$	11,297		$	8,827		$	8,827
	New loans	496			3,911			3,401
	Net activity on revolving lines of credit	(263		)	233			17
	Principal payments	(1,442		)	(1,674		)	(1,490		)
	Loans outstanding, end of period	$	10,088		$	11,297		$	10,755

MORTGAGE_SERVICING_RIGHTS_Tabl

MORTGAGE SERVICING RIGHTS (Tables)	9 Months Ended
	Sep. 30, 2013
MORTGAGE SERVICING RIGHTS	'
Summary of mortgage servicing rights capitalized and amortized, along with the aggregate activity in related valuation allowances	'
	The following summarizes mortgage servicing rights capitalized and amortized, along with the aggregate activity in related valuation allowances (dollars in thousands):
		Nine months ended			Year ended			Nine months ended
		September 30,			December 31,			September 30,
		2013			2012			2012
	Balance at beginning of period	$	638		$	400		$	400
	Additions from loans sold with servicing retained	325			344			245
	Amortization	(129		)	(106		)	(74		)
	Estimated Valuation of MSRs at end of period	$	834		$	638		$	571

BORROWINGS_Tables

BORROWINGS (Tables)	9 Months Ended
	Sep. 30, 2013
BORROWINGS	'
Schedule of borrowings	'
	Borrowings consist of the following at September 30, 2013, December 31, 2012 and September 30, 2012 (dollars in thousands):
		September 30,		December 31,		September 30,
		2013		2012		2012
	Federal Home Loan Bank fixed rate advances at September 30, 2013 with a weighted average rate of 1.79% maturing in 2014, 2016 and 2018	$	35,000	$	35,000	$	35,000
	USDA Rural Development, fixed-rate note payable, maturing August 24, 2024, interest payable at 1%	852		925		925
		$	35,852	$	35,925	$	35,925

STOCK_COMPENSATION_PLANS_Table

STOCK COMPENSATION PLANS (Tables)	9 Months Ended
	Sep. 30, 2013
STOCK COMPENSATION PLANS	'
Summary of stock option transactions	'
			September 30,			December 31,			September 30,
			2013			2012			2012
	Outstanding shares at beginning of year		242,152			392,152			392,152
	Granted during the period		—			—			—
	Exercised during the period		—			—			—
	Expired / forfeited during the period		(5,000		)	—			—
	Surrendered/Echanged for restricted stock		—			(150,000		)	(150,000		)
	Outstanding shares at end of period		237,152			242,152			242,152
	Exercisable shares at end of period		125,861			126,361			107,561
	Weighted average exercise price per share at end of period		$	9.88		$	9.88		$	9.88
	Shares available for grant at end of period		—			—			—
Summary of the options outstanding and exercisable	'
												Weighted Average
	Exercise			Number						Unvested		Remaining
	Price			Outstanding			Exercisable			Options		Contractual Life-Years
	$	9.75		217,152			120,861			96,291		1.21
	$	10.65		10,000			2,500			7,500		3.21
	$	12.00		10,000			2,500			7,500		1.79
				237,152			125,861			111,291		1.32

FAIR_VALUE_MEASUREMENTS_Tables

FAIR VALUE MEASUREMENTS (Tables)	9 Months Ended
	Sep. 30, 2013
FAIR VALUE MEASUREMENTS	'
Schedule presenting information for financial instruments	'
	The following table presents information for financial instruments at September 30, 2013, December 31, 2012 and September 30, 2012 (dollars in thousands):
				September 30, 2013						December 31, 2012						September 30, 2012
		Level in Fair		Carrying			Estimated			Carrying			Estimated			Carrying			Estimated
		Value Hierarchy		Amount			Fair Value			Amount			Fair Value			Amount			Fair Value
	Financial assets:
	Cash and cash equivalents	Level 1		$	22,794		$	22,794		$	26,961		$	26,961		$	47,405		$	47,405
	Interest-bearing deposits	Level 2		10			10			10			10			10			10
	Securities available for sale	Level 2		48,096			48,096			43,799			43,799			42,476			42,476
	Federal Home Loan Bank stock	Level 2		3,060			3,060			3,060			3,060			3,060			3,060
	Net loans	Level 3		467,536			460,009			443,959			439,239			428,772			425,406
	Accrued interest receivable	Level 3		1,536			1,536			1,319			1,319			1,574			1,574
	Total financial assets			$	543,032		$	535,505		$	519,108		$	514,388		$	523,297		$	519,931
	Financial liabilities:
	Deposits	Level 2		$	461,688		$	459,862		$	434,557		$	434,227		$	439,363		$	439,139
	Borrowings	Level 2		35,852			35,548			35,925			35,729			35,925			35,681
	Accrued interest payable	Level 2		200			200			214			214			238			238
	Total financial liabilties			$	497,740		$	495,610		$	470,696		$	470,170		$	475,526		$	475,058
Schedule of fair values of assets using Level 3 inputs	'
	Assets Measured at Fair Value on a Nonrecurring Basis at September 30, 2013
					Quoted Prices			Significant			Significant
					in Active Markets			Other Observable			Unobservable			Total Losses for			Total Losses for
		Balance at			for Identical Assets			Inputs			Inputs			Three Months Ended			Nine Months Ended
	(dollars in thousands)	September 30, 2013			(Level 1)			(Level 2)			(Level 3)			September 30, 2013			September 30, 2013
	Assets
	Impaired loans	$	4,313		$	—		$	—		$	4,313		$	531		$	949
	Other real estate owned	2,568			—			—			2,568			57			146
														$	588		$	1,095
	Assets Measured at Fair Value on a Nonrecurring Basis at December 31, 2012
					Quoted Prices			Significant			Significant
					in Active Markets			Other Observable			Unobservable			Total Losses for
		Balance at			for Identical Assets			Inputs			Inputs			Year Ended
	(dollars in thousands)	December 31, 2012			(Level 1)			(Level 2)			(Level 3)			December 31, 2012
	Assets
	Impaired loans	$	4,687		$	—		$	—		$	4,687		$	1,151
	Other real estate owned	3,212			—			—			3,212			489
														$	1,640
	Assets Measured at Fair Value on a Nonrecurring Basis at September 30, 2012
					Quoted Prices			Significant			Significant
					in Active Markets			Other Observable			Unobservable			Total Losses for			Total Losses for
		Balance at			for Identical Assets			Inputs			Inputs			Three Months Ended			Nine Months Ended
	(dollars in thousands)	September 30, 2012			(Level 1)			(Level 2)			(Level 3)			September 30, 2012			September 30, 2012
	Assets
	Impaired loans	$	5,290		$	—		$	—		$	5,290		$	53		$	1,065
	Other real estate owned	3,511			—			—			3,511			265			450
														$	318		$	1,515

COMMITMENTS_CONTINGENCIES_AND_1

COMMITMENTS, CONTINGENCIES AND CREDIT RISK (Tables)	9 Months Ended
	Sep. 30, 2013
COMMITMENTS, CONTINGENCIES AND CREDIT RISK	'
Schedule of commitments	'
	These commitments are as follows (dollars in thousands):
		September 30,		December 31,		September 30,
		2013		2012		2012
	Commitments to extend credit:
	Variable rate	$	32,061	$	39,782	$	38,068
	Fixed rate	24,536		18,427		21,247
	Standby letters of credit - Variable rate	4,741		2,879		3,816
	Credit card commitments - Fixed rate	3,162		3,060		3,161
		$	64,500	$	64,148	$	66,292

SUMMARY_OF_SIGNIFICANT_ACCOUNT2

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Details) (USD $)	Sep. 30, 2013	Aug. 31, 2012	Dec. 31, 2004	Sep. 30, 2013	Dec. 31, 2004	Sep. 30, 2013	22-May-12	Aug. 31, 2012	Sep. 30, 2013
In Thousands, except Share data, unless otherwise specified	item	RSUs	Plan approved in 2000	Plan approved in 2000	Plans approved in 1997	Plans approved in 1997	2012 Incentive Compensation Plan	2012 Incentive Compensation Plan	2012 Incentive Compensation Plan
				item		item		RSUs	RSUs
Stock Compensation Plans	'	'	'	'	'	'	'	'	'
Number of stock option plans	3	'	'	1	'	2	'	'	'
Increase in number of shares authorized	'	'	428,587	'	'	'	'	'	'
Shares authorized prior to amendment	'	'	25,000	'	'	'	'	'	'
Reverse stock split, conversion ratio	'	'	0.05	'	0.05	'	'	'	'
Total authorized share balance	'	'	453,587	'	30,000	'	757,848	'	'
Number of RSUs granted (in shares)	'	148,500	'	'	'	'	'	148,500	'
Purchase price (in dollars per share)	'	'	'	'	'	'	'	$7.91	'
Cost to the employee	'	'	'	'	'	'	'	$0	'
Vesting term of restricted stock units	'	'4 years	'	'	'	'	'	'4 years	'
Recognition period of compensation cost to be recognized	'	'	'	'	'	'	'	'4 years	'
Compensation cost to be recognized, net of income tax	'	'	'	'	'	'	'	$1,175	$851
Number of RSUs vested and issued (in shares)	'	'	'	'	'	'	'	'	37,125

EARNINGS_PER_SHARE_Details

EARNINGS PER SHARE (Details) (USD $)	3 Months Ended		9 Months Ended
In Thousands, except Per Share data, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
(Numerator):	'	'	'	'
Net income	$896	$1,034	$2,969	$6,027
Preferred dividends and accretion of discount	50	137	250	491
NET INCOME AVAILABLE TO COMMON SHAREHOLDERS	$846	$897	$2,719	$5,536
(Denominator):	'	'	'	'
Weighted average shares outstanding - basic	5,562,835	4,722,029	5,559,108	3,857,002
Dilutive effect of common stock warrants (in shares)	'	136,186	'	119,850
Weighted average shares outstanding - diluted	5,562,835	4,858,215	5,559,108	3,976,852
Income per common share:	'	'	'	'
Basic (in dollars per share)	$0.15	$0.21	$0.49	$1.30
Diluted (in dollars per share)	$0.15	$0.20	$0.49	$1.25

INVESTMENT_SECURITIES_Details

INVESTMENT SECURITIES (Details) (USD $)	Sep. 30, 2013	Dec. 31, 2012	Sep. 30, 2012
In Thousands, unless otherwise specified
INVESTMENT SECURITIES	'	'	'
Amortized Cost	$47,566	$42,399	$41,156
Gross Unrealized Gains	870	1,423	1,331
Gross Unrealized Losses	-340	-23	-11
Estimated Fair Value	48,096	43,799	42,476
US Agencies - MBS	'	'	'
INVESTMENT SECURITIES	'	'	'
Amortized Cost	7,236	7,962	8,282
Gross Unrealized Gains	315	412	388
Estimated Fair Value	7,551	8,374	8,670
US Agencies	'	'	'
INVESTMENT SECURITIES	'	'	'
Amortized Cost	16,003	10,267	10,303
Gross Unrealized Gains	66	137	154
Gross Unrealized Losses	-336	'	'
Estimated Fair Value	15,733	10,404	10,457
Corporate Bonds	'	'	'
INVESTMENT SECURITIES	'	'	'
Amortized Cost	18,451	18,763	17,180
Gross Unrealized Gains	192	237	232
Gross Unrealized Losses	-4	-23	-9
Estimated Fair Value	18,639	18,977	17,403
Obligations of states and political subdivisions	'	'	'
INVESTMENT SECURITIES	'	'	'
Amortized Cost	5,876	5,407	5,391
Gross Unrealized Gains	297	637	557
Gross Unrealized Losses	'	'	-2
Estimated Fair Value	6,173	6,044	5,946
FHLB borrowings and customer relationships	'	'	'
INVESTMENT SECURITIES	'	'	'
Amortized Cost	8,499	'	'
Estimated Fair Value	$8,729	'	'

LOANS_Details

LOANS (Details) (USD $)	3 Months Ended		9 Months Ended		12 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012	Dec. 31, 2012
Loans	'	'	'	'	'
Total loans	$472,495	$433,958	$472,495	$433,958	$449,177
Changes in the allowance for loan losses	'	'	'	'	'
Balance at beginning of period	5,177	5,083	5,218	5,251	5,251
Recoveries on loans previously charged off	54	13	154	231	278
Loans charged off	-647	-60	-1,263	-1,091	-1,256
Provision	375	150	850	795	945
Balance at end of period	4,959	5,186	4,959	5,186	5,218
Net charge off activity	'	'	1,109	860	'
Net charge off activity as percentage of average loans outstanding	'	'	0.32%	0.28%	'
Commercial real estate	'	'	'	'	'
Loans	'	'	'	'	'
Total loans	257,961	224,061	257,961	224,061	244,966
Changes in the allowance for loan losses	'	'	'	'	'
Balance at beginning of period	2,661	2,784	3,267	2,823	2,823
Recoveries on loans previously charged off	23	10	64	27	52
Loans charged off	-132	-36	-588	-726	-729
Provision	3	90	-188	724	1,121
Balance at end of period	2,555	2,848	2,555	2,848	3,267
Commercial, financial, and agricultural	'	'	'	'	'
Loans	'	'	'	'	'
Total loans	79,511	84,073	79,511	84,073	80,646
Changes in the allowance for loan losses	'	'	'	'	'
Balance at beginning of period	1,090	888	692	1,079	1,079
Recoveries on loans previously charged off	20	1	53	188	201
Loans charged off	-476	'	-552	-24	-40
Provision	522	-114	963	-468	-548
Balance at end of period	1,156	775	1,156	775	692
One to four family residential real estate	'	'	'	'	'
Loans	'	'	'	'	'
Total loans	98,770	86,643	98,770	86,643	87,948
Changes in the allowance for loan losses	'	'	'	'	'
Balance at beginning of period	877	1,083	980	1,114	1,114
Recoveries on loans previously charged off	6	'	17	5	7
Loans charged off	-25	-23	-38	-319	-399
Provision	44	177	-57	437	258
Balance at end of period	902	1,237	902	1,237	980
Consumer construction	'	'	'	'	'
Loans	'	'	'	'	'
Total loans	5,734	6,803	5,734	6,803	7,465
Changes in the allowance for loan losses	'	'	'	'	'
Recoveries on loans previously charged off	1	'	1	'	'
Provision	-1	'	-1	'	'
Commercial construction	'	'	'	'	'
Loans	'	'	'	'	'
Total loans	16,054	21,757	16,054	21,757	17,229
Changes in the allowance for loan losses	'	'	'	'	'
Balance at beginning of period	97	218	125	207	207
Recoveries on loans previously charged off	'	'	2	'	'
Loans charged off	'	'	'	-6	-6
Provision	-16	-33	-46	-16	-76
Balance at end of period	81	185	81	185	125
Consumer	'	'	'	'	'
Loans	'	'	'	'	'
Total loans	14,465	10,621	14,465	10,621	10,923
Changes in the allowance for loan losses	'	'	'	'	'
Balance at beginning of period	13	'	'	'	'
Recoveries on loans previously charged off	4	2	17	11	18
Loans charged off	-14	-1	-85	-16	-82
Provision	15	-1	86	5	64
Balance at end of period	$18	'	$18	'	'

LOANS_Details_2

LOANS (Details 2) (USD $)	3 Months Ended		9 Months Ended		12 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012	Dec. 31, 2012
Allowance for loan loss reserve:	'	'	'	'	'
Balance at beginning of period	$5,177	$5,083	$5,218	$5,251	$5,251
Charge-offs	-647	-60	-1,263	-1,091	-1,256
Recoveries	54	13	154	231	278
Provision	375	150	850	795	945
Balance at end of period	4,959	5,186	4,959	5,186	5,218
Loans:	'	'	'	'	'
Ending balance	472,495	433,958	472,495	433,958	449,177
Ending balance ALLR	-4,959	-5,186	-4,959	-5,186	-5,218
Net loans	467,536	428,772	467,536	428,772	443,959
Ending balance ALLR:	'	'	'	'	'
Individually evaluated	2,479	1,631	2,479	1,631	1,939
Collectively evaluated	2,480	3,555	2,480	3,555	3,279
Total	4,959	5,186	4,959	5,186	5,218
Ending balance Loans:	'	'	'	'	'
Individually evaluated	22,396	30,684	22,396	30,684	30,634
Collectively evaluated	450,099	403,274	450,099	403,274	418,543
Total Loans	472,495	433,958	472,495	433,958	449,177
Commercial real estate	'	'	'	'	'
Allowance for loan loss reserve:	'	'	'	'	'
Balance at beginning of period	2,661	2,784	3,267	2,823	2,823
Charge-offs	-132	-36	-588	-726	-729
Recoveries	23	10	64	27	52
Provision	3	90	-188	724	1,121
Balance at end of period	2,555	2,848	2,555	2,848	3,267
Loans:	'	'	'	'	'
Ending balance	257,961	224,061	257,961	224,061	244,966
Ending balance ALLR	-2,555	-2,848	-2,555	-2,848	-3,267
Net loans	255,406	221,213	255,406	221,213	241,699
Ending balance ALLR:	'	'	'	'	'
Individually evaluated	1,407	1,198	1,407	1,198	1,662
Collectively evaluated	1,148	1,650	1,148	1,650	1,605
Total	2,555	2,848	2,555	2,848	3,267
Ending balance Loans:	'	'	'	'	'
Individually evaluated	13,475	22,571	13,475	22,571	22,910
Collectively evaluated	244,486	201,490	244,486	201,490	222,056
Total Loans	257,961	224,061	257,961	224,061	244,966
Commercial, financial, and agricultural	'	'	'	'	'
Allowance for loan loss reserve:	'	'	'	'	'
Balance at beginning of period	1,090	888	692	1,079	1,079
Charge-offs	-476	'	-552	-24	-40
Recoveries	20	1	53	188	201
Provision	522	-114	963	-468	-548
Balance at end of period	1,156	775	1,156	775	692
Loans:	'	'	'	'	'
Ending balance	79,511	84,073	79,511	84,073	80,646
Ending balance ALLR	-1,156	-775	-1,156	-775	-692
Net loans	78,355	83,298	78,355	83,298	79,954
Ending balance ALLR:	'	'	'	'	'
Individually evaluated	802	145	802	145	155
Collectively evaluated	354	630	354	630	537
Total	1,156	775	1,156	775	692
Ending balance Loans:	'	'	'	'	'
Individually evaluated	7,638	5,997	7,638	5,997	6,070
Collectively evaluated	71,873	78,076	71,873	78,076	74,576
Total Loans	79,511	84,073	79,511	84,073	80,646
Commercial construction	'	'	'	'	'
Allowance for loan loss reserve:	'	'	'	'	'
Balance at beginning of period	97	218	125	207	207
Charge-offs	'	'	'	-6	-6
Recoveries	'	'	2	'	'
Provision	-16	-33	-46	-16	-76
Balance at end of period	81	185	81	185	125
Loans:	'	'	'	'	'
Ending balance	16,054	21,757	16,054	21,757	17,229
Ending balance ALLR	-81	-185	-81	-185	-125
Net loans	15,973	21,572	15,973	21,572	17,104
Ending balance ALLR:	'	'	'	'	'
Individually evaluated	6	11	6	11	10
Collectively evaluated	75	174	75	174	115
Total	81	185	81	185	125
Ending balance Loans:	'	'	'	'	'
Individually evaluated	798	858	798	858	858
Collectively evaluated	15,256	20,899	15,256	20,899	16,371
Total Loans	16,054	21,757	16,054	21,757	17,229
One to four family residential real estate	'	'	'	'	'
Allowance for loan loss reserve:	'	'	'	'	'
Balance at beginning of period	877	1,083	980	1,114	1,114
Charge-offs	-25	-23	-38	-319	-399
Recoveries	6	'	17	5	7
Provision	44	177	-57	437	258
Balance at end of period	902	1,237	902	1,237	980
Loans:	'	'	'	'	'
Ending balance	98,770	86,643	98,770	86,643	87,948
Ending balance ALLR	-902	-1,237	-902	-1,237	-980
Net loans	97,868	85,406	97,868	85,406	86,968
Ending balance ALLR:	'	'	'	'	'
Individually evaluated	246	277	246	277	112
Collectively evaluated	656	960	656	960	868
Total	902	1,237	902	1,237	980
Ending balance Loans:	'	'	'	'	'
Individually evaluated	450	1,248	450	1,248	796
Collectively evaluated	98,320	85,395	98,320	85,395	87,152
Total Loans	98,770	86,643	98,770	86,643	87,948
Consumer construction	'	'	'	'	'
Allowance for loan loss reserve:	'	'	'	'	'
Recoveries	1	'	1	'	'
Provision	-1	'	-1	'	'
Loans:	'	'	'	'	'
Ending balance	5,734	6,803	5,734	6,803	7,465
Net loans	5,734	6,803	5,734	6,803	7,465
Ending balance Loans:	'	'	'	'	'
Collectively evaluated	5,734	6,803	5,734	6,803	7,465
Total Loans	5,734	6,803	5,734	6,803	7,465
Consumer	'	'	'	'	'
Allowance for loan loss reserve:	'	'	'	'	'
Balance at beginning of period	13	'	'	'	'
Charge-offs	-14	-1	-85	-16	-82
Recoveries	4	2	17	11	18
Provision	15	-1	86	5	64
Balance at end of period	18	'	18	'	'
Loans:	'	'	'	'	'
Ending balance	14,465	10,621	14,465	10,621	10,923
Ending balance ALLR	-18	'	-18	'	'
Net loans	14,447	10,621	14,447	10,621	10,923
Ending balance ALLR:	'	'	'	'	'
Individually evaluated	18	'	18	'	'
Total	18	'	18	'	'
Ending balance Loans:	'	'	'	'	'
Individually evaluated	35	10	35	10	'
Collectively evaluated	14,430	10,611	14,430	10,611	10,923
Total Loans	14,465	10,621	14,465	10,621	10,923
Unallocated	'	'	'	'	'
Allowance for loan loss reserve:	'	'	'	'	'
Balance at beginning of period	439	110	154	28	28
Provision	-192	31	93	113	126
Balance at end of period	247	141	247	141	154
Loans:	'	'	'	'	'
Ending balance ALLR	-247	-141	-247	-141	-154
Net loans	-247	-141	-247	-141	-154
Ending balance ALLR:	'	'	'	'	'
Collectively evaluated	247	141	247	141	154
Total	$247	$141	$247	$141	$154

LOANS_Details_3

LOANS (Details 3) (USD $)	Sep. 30, 2013	Dec. 31, 2012	Sep. 30, 2012
In Thousands, unless otherwise specified
Breakdown of loans by risk category	'	'	'
Total loans	$472,495	$449,177	$433,958
Minimum	'	'	'
Breakdown of loans by risk category	'	'	'
Credit risk rating for which reserves are established if no specific reserves made	6	'	'
Maximum	'	'	'
Breakdown of loans by risk category	'	'	'
Credit risk rating for which general reserves are established	5	'	'
Credit risk rating for which reserves are established if no specific reserves made	7	'	'
Commercial real estate	'	'	'
Breakdown of loans by risk category	'	'	'
Total loans	257,961	244,966	224,061
Commercial, financial, and agricultural	'	'	'
Breakdown of loans by risk category	'	'	'
Total loans	79,511	80,646	84,073
Commercial construction	'	'	'
Breakdown of loans by risk category	'	'	'
Total loans	16,054	17,229	21,757
One to four family residential real estate	'	'	'
Breakdown of loans by risk category	'	'	'
Total loans	98,770	87,948	86,643
Consumer construction	'	'	'
Breakdown of loans by risk category	'	'	'
Total loans	5,734	7,465	6,803
Consumer	'	'	'
Breakdown of loans by risk category	'	'	'
Total loans	14,465	10,923	10,621
Excellent (1)	'	'	'
Breakdown of loans by risk category	'	'	'
Total loans	6,500	9,833	7,678
Excellent (1) | Commercial real estate	'	'	'
Breakdown of loans by risk category	'	'	'
Total loans	2,240	4,807	3,372
Excellent (1) | Commercial, financial, and agricultural	'	'	'
Breakdown of loans by risk category	'	'	'
Total loans	4,260	5,026	4,306
Good (2)	'	'	'
Breakdown of loans by risk category	'	'	'
Total loans	31,512	27,793	28,785
Good (2) | Commercial real estate	'	'	'
Breakdown of loans by risk category	'	'	'
Total loans	23,675	20,491	19,939
Good (2) | Commercial, financial, and agricultural	'	'	'
Breakdown of loans by risk category	'	'	'
Total loans	5,108	3,936	5,517
Good (2) | Commercial construction	'	'	'
Breakdown of loans by risk category	'	'	'
Total loans	676	1,038	988
Good (2) | One to four family residential real estate	'	'	'
Breakdown of loans by risk category	'	'	'
Total loans	1,951	1,969	1,979
Good (2) | Consumer	'	'	'
Breakdown of loans by risk category	'	'	'
Total loans	102	359	362
Average (3)	'	'	'
Breakdown of loans by risk category	'	'	'
Total loans	117,871	116,794	107,275
Average (3) | Commercial real estate	'	'	'
Breakdown of loans by risk category	'	'	'
Total loans	88,105	84,164	72,647
Average (3) | Commercial, financial, and agricultural	'	'	'
Breakdown of loans by risk category	'	'	'
Total loans	22,263	23,821	25,932
Average (3) | Commercial construction	'	'	'
Breakdown of loans by risk category	'	'	'
Total loans	5,283	5,103	5,039
Average (3) | One to four family residential real estate	'	'	'
Breakdown of loans by risk category	'	'	'
Total loans	2,186	3,635	3,586
Average (3) | Consumer	'	'	'
Breakdown of loans by risk category	'	'	'
Total loans	34	71	71
Acceptable (4)	'	'	'
Breakdown of loans by risk category	'	'	'
Total loans	176,545	165,996	162,764
Acceptable (4) | Commercial real estate	'	'	'
Breakdown of loans by risk category	'	'	'
Total loans	123,373	113,379	105,736
Acceptable (4) | Commercial, financial, and agricultural	'	'	'
Breakdown of loans by risk category	'	'	'
Total loans	41,851	41,785	42,097
Acceptable (4) | Commercial construction	'	'	'
Breakdown of loans by risk category	'	'	'
Total loans	6,167	5,784	9,995
Acceptable (4) | One to four family residential real estate	'	'	'
Breakdown of loans by risk category	'	'	'
Total loans	4,522	4,791	4,703
Acceptable (4) | Consumer	'	'	'
Breakdown of loans by risk category	'	'	'
Total loans	632	257	233
Special Mention (5)	'	'	'
Breakdown of loans by risk category	'	'	'
Total loans	20,616	21,809	21,865
Special Mention (5) | Commercial real estate	'	'	'
Breakdown of loans by risk category	'	'	'
Total loans	16,117	16,754	16,784
Special Mention (5) | Commercial, financial, and agricultural	'	'	'
Breakdown of loans by risk category	'	'	'
Total loans	3,746	4,296	4,320
Special Mention (5) | Commercial construction	'	'	'
Breakdown of loans by risk category	'	'	'
Total loans	753	759	761
Substandard (6)	'	'	'
Breakdown of loans by risk category	'	'	'
Total loans	6,953	8,700	9,079
Substandard (6) | Commercial real estate	'	'	'
Breakdown of loans by risk category	'	'	'
Total loans	4,451	5,189	5,374
Substandard (6) | Commercial, financial, and agricultural	'	'	'
Breakdown of loans by risk category	'	'	'
Total loans	2,094	1,782	1,901
Substandard (6) | Commercial construction	'	'	'
Breakdown of loans by risk category	'	'	'
Total loans	402	1,077	1,092
Substandard (6) | One to four family residential real estate	'	'	'
Breakdown of loans by risk category	'	'	'
Total loans	6	646	709
Substandard (6) | Consumer	'	'	'
Breakdown of loans by risk category	'	'	'
Total loans	'	6	3
Doubtful (7)	'	'	'
Breakdown of loans by risk category	'	'	'
Total loans	189	182	209
Doubtful (7) | Commercial real estate	'	'	'
Breakdown of loans by risk category	'	'	'
Total loans	'	182	209
Doubtful (7) | Commercial, financial, and agricultural	'	'	'
Breakdown of loans by risk category	'	'	'
Total loans	189	'	'
Rating Unassigned	'	'	'
Breakdown of loans by risk category	'	'	'
Total loans	112,309	98,070	96,303
Rating Unassigned | Commercial construction	'	'	'
Breakdown of loans by risk category	'	'	'
Total loans	2,773	3,468	3,882
Rating Unassigned | One to four family residential real estate	'	'	'
Breakdown of loans by risk category	'	'	'
Total loans	90,105	76,907	75,666
Rating Unassigned | Consumer construction	'	'	'
Breakdown of loans by risk category	'	'	'
Total loans	5,734	7,465	6,803
Rating Unassigned | Consumer	'	'	'
Breakdown of loans by risk category	'	'	'
Total loans	$13,697	$10,230	$9,952

LOANS_Details_4

LOANS (Details 4) (USD $)	3 Months Ended		9 Months Ended		12 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012	Dec. 31, 2012
Impaired Loans	'	'	'	'	'
Number of days past due to be considered as nonperforming loans	'	'	'90 days	'	'
Average investment	'	'	'	'	'
Total	$4,536	$5,334	$4,407	$8,235	$8,339
Related Valuation Reserve	1,555	1,218	1,555	1,218	1,519
Interest Income Recognized During Impairment	'	'	'	'	'
Total	'	17	'	54	54
Interest Income on Accrual Basis	'	'	'	'	'
Total	60	72	177	246	313
Nonaccrual Basis	'	'	'	'	'
Recorded investment	'	'	'	'	'
Total	4,313	5,290	4,313	5,290	4,687
Commercial real estate	'	'	'	'	'
Average investment	'	'	'	'	'
With no valuation reserve	412	533	501	1,135	1,550
With a valuation reserve	2,581	3,177	2,557	3,663	3,173
Total	2,993	3,710	3,058	4,798	4,723
Related Valuation Reserve	1,272	937	1,272	937	1,315
Interest Income Recognized During Impairment	'	'	'	'	'
With a valuation reserve	'	17	'	54	54
Total	'	17	'	54	54
Interest Income on Accrual Basis	'	'	'	'	'
With no valuation reserve	'	9	26	32	37
With a valuation reserve	42	42	102	136	177
Total	42	51	128	168	214
Commercial real estate | Nonaccrual Basis	'	'	'	'	'
Recorded investment	'	'	'	'	'
With no valuation reserve	238	530	238	530	132
With a valuation reserve	2,589	3,161	2,589	3,161	2,939
Total	2,827	3,691	2,827	3,691	3,071
Commercial, financial, and agricultural	'	'	'	'	'
Average investment	'	'	'	'	'
With no valuation reserve	147	'	243	1,063	1,063
With a valuation reserve	741	281	373	398	504
Total	888	281	616	1,461	1,567
Related Valuation Reserve	33	90	33	90	109
Interest Income on Accrual Basis	'	'	'	'	'
With no valuation reserve	3	'	9	18	19
With a valuation reserve	5	4	11	12	17
Total	8	4	20	30	36
Commercial, financial, and agricultural | Nonaccrual Basis	'	'	'	'	'
Recorded investment	'	'	'	'	'
With a valuation reserve	767	287	767	287	436
Total	767	287	767	287	436
Commercial construction	'	'	'	'	'
Average investment	'	'	'	'	'
With no valuation reserve	'	676	193	676	675
Total	'	676	193	676	675
Interest Income on Accrual Basis	'	'	'	'	'
With no valuation reserve	'	5	3	9	15
Total	'	5	3	9	15
Commercial construction | Nonaccrual Basis	'	'	'	'	'
Recorded investment	'	'	'	'	'
With no valuation reserve	'	676	'	676	675
Total	'	676	'	676	675
One to four family residential real estate	'	'	'	'	'
Average investment	'	'	'	'	'
With no valuation reserve	86	384	140	818	1,074
With a valuation reserve	560	267	396	463	281
Total	646	651	536	1,281	1,355
Related Valuation Reserve	250	188	250	188	95
Interest Income on Accrual Basis	'	'	'	'	'
With no valuation reserve	2	4	7	28	41
With a valuation reserve	8	8	19	10	6
Total	10	12	26	38	47
One to four family residential real estate | Nonaccrual Basis	'	'	'	'	'
Recorded investment	'	'	'	'	'
With no valuation reserve	67	156	67	156	230
With a valuation reserve	642	462	642	462	275
Total	709	618	709	618	505
Consumer construction	'	'	'	'	'
Average investment	'	'	'	'	'
With no valuation reserve	'	15	'	16	16
Total	'	15	'	16	16
Interest Income on Accrual Basis	'	'	'	'	'
With no valuation reserve	'	'	'	1	1
Total	'	'	'	1	1
Consumer construction | Nonaccrual Basis	'	'	'	'	'
Recorded investment	'	'	'	'	'
With no valuation reserve	'	15	'	15	'
Total	'	15	'	15	'
Consumer	'	'	'	'	'
Average investment	'	'	'	'	'
With no valuation reserve	9	'	4	'	3
With a valuation reserve	'	1	'	3	'
Total	9	1	4	3	3
Related Valuation Reserve	'	3	'	3	'
Consumer | Nonaccrual Basis	'	'	'	'	'
Recorded investment	'	'	'	'	'
With no valuation reserve	10	'	10	'	'
With a valuation reserve	'	3	'	3	'
Total	$10	$3	$10	$3	'

LOANS_Details_5

LOANS (Details 5) (USD $)	Sep. 30, 2013	Jun. 30, 2013	Dec. 31, 2012	Sep. 30, 2012	Jun. 30, 2012	Dec. 31, 2011
In Thousands, unless otherwise specified
Past due loans	'	'	'	'	'	'
30-89 days Past Due (accruing)	$317	'	$951	$1,219	'	'
90+ days Past Due/Nonaccrual	4,313	3,983	4,687	5,290	5,375	5,490
Total	4,630	'	5,638	6,509	'	'
Commercial real estate	'	'	'	'	'	'
Past due loans	'	'	'	'	'	'
30-89 days Past Due (accruing)	'	'	575	427	'	'
90+ days Past Due/Nonaccrual	2,827	3,057	3,071	3,691	3,749	2,362
Total	2,827	'	3,646	4,118	'	'
Commercial, financial, and agricultural	'	'	'	'	'	'
Past due loans	'	'	'	'	'	'
30-89 days Past Due (accruing)	100	'	71	64	'	'
90+ days Past Due/Nonaccrual	767	517	436	287	278	1,111
Total	867	'	507	351	'	'
Commercial construction	'	'	'	'	'	'
Past due loans	'	'	'	'	'	'
30-89 days Past Due (accruing)	'	'	'	47	'	'
90+ days Past Due/Nonaccrual	'	'	675	676	676	'
Total	'	'	675	723	'	'
One to four family residential real estate	'	'	'	'	'	'
Past due loans	'	'	'	'	'	'
30-89 days Past Due (accruing)	186	'	291	582	'	'
90+ days Past Due/Nonaccrual	709	400	505	618	657	1,997
Total	895	'	796	1,200	'	'
Consumer construction	'	'	'	'	'	'
Past due loans	'	'	'	'	'	'
90+ days Past Due/Nonaccrual	'	'	'	15	15	20
Total	'	'	'	15	'	'
Consumer	'	'	'	'	'	'
Past due loans	'	'	'	'	'	'
30-89 days Past Due (accruing)	31	'	14	99	'	'
90+ days Past Due/Nonaccrual	10	9	'	3	'	'
Total	$41	'	$14	$102	'	'

LOANS_Details_6

LOANS (Details 6) (USD $)	3 Months Ended		9 Months Ended		12 Months Ended	3 Months Ended		9 Months Ended		12 Months Ended	3 Months Ended		9 Months Ended		12 Months Ended	9 Months Ended		12 Months Ended		3 Months Ended		9 Months Ended		12 Months Ended	9 Months Ended	12 Months Ended		3 Months Ended		9 Months Ended		12 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012	Dec. 31, 2012	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012	Dec. 31, 2012	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012	Dec. 31, 2012	Sep. 30, 2013	Sep. 30, 2012	Dec. 31, 2012	Jun. 30, 2012	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012	Dec. 31, 2012	Sep. 30, 2012	Dec. 31, 2012	Jun. 30, 2012	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012	Dec. 31, 2012
						Commercial Real Estate	Commercial Real Estate	Commercial Real Estate	Commercial Real Estate	Commercial Real Estate	Commercial, Financial, and Agricultural	Commercial, Financial, and Agricultural	Commercial, Financial, and Agricultural	Commercial, Financial, and Agricultural	Commercial, Financial, and Agricultural	Commercial Construction	Commercial Construction	Commercial Construction	Commercial Construction	One to four family residential real estate	One to four family residential real estate	One to four family residential real estate	One to four family residential real estate	One to four family residential real estate	Consumer Construction	Consumer Construction	Consumer Construction	Consumer	Consumer	Consumer	Consumer	Consumer
Roll-forward of nonaccrual activity	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'
Beginning balance	$3,983	$5,375	$4,687	$5,490	$5,490	$3,057	$3,749	$3,071	$2,362	$2,362	$517	$278	$436	$1,111	$1,111	$675	'	'	$676	$400	$657	$505	$1,997	$1,997	$20	$20	$15	$9	'	'	'	'
Principal payments	-263	-92	-644	-3,538	-4,022	-26	-89	-174	-1,101	-1,569	-224	-1	-292	-1,383	-1,385	-100	'	'	'	-12	-2	-77	-1,054	-1,068	'	'	'	-1	'	-1	'	'
Charge-offs	-523	-14	-941	-775	-858	-23	'	-352	-463	-463	-476	'	-548	'	'	'	'	'	'	-24	-14	-37	-307	-387	-5	-5	'	'	'	-4	'	-3
Class transfers	'	-329	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	-329	'	'	'	'	'	'	'	'	'	'	'
Transfers to OREO	-245	'	-932	-1,013	-1,352	-208	'	-208	-465	-675	-37	'	-37	'	'	-580	'	'	'	'	'	-107	-548	-662	'	-15	'	'	'	'	'	'
Transfers from accruing	1,312	314	2,085	5,057	5,388	'	'	443	3,288	3,377	966	7	1,207	566	716	'	676	675	'	344	304	420	524	617	'	'	'	2	3	15	3	3
Other	49	36	58	69	41	27	31	47	70	39	21	3	1	-7	-6	5	'	'	'	1	2	5	6	8	'	'	'	'	'	'	'	'
Ending balance	$4,313	$5,290	$4,313	$5,290	$4,687	$2,827	$3,691	$2,827	$3,691	$3,071	$767	$287	$767	$287	$436	'	$676	$675	$676	$709	$618	$709	$618	$505	$15	'	$15	$10	$3	$10	$3	'

LOANS_Details_7

LOANS (Details 7) (USD $)	9 Months Ended		12 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012	Dec. 31, 2012
	item	item	item
Troubled Debt Restructuring	'	'	'
Minimum number of consecutive timely payments before the Corporation would consider return of a restructured loan to accruing status	6	'	'
Number of Modifications	1	9	8
Recorded Investment	$528	$7,980	$6,797
Commercial real estate	'	'	'
Troubled Debt Restructuring	'	'	'
Number of Modifications	'	4	3
Recorded Investment	'	5,799	4,614
Commercial, financial, and agricultural	'	'	'
Troubled Debt Restructuring	'	'	'
Number of Modifications	1	1	1
Recorded Investment	528	1,221	1,221
Commercial construction	'	'	'
Troubled Debt Restructuring	'	'	'
Number of Modifications	'	3	3
Recorded Investment	'	858	860
One to four family residential real estate	'	'	'
Troubled Debt Restructuring	'	'	'
Number of Modifications	'	1	1
Recorded Investment	'	$102	$102

LOANS_Details_8

LOANS (Details 8) (USD $)

3 Months Ended

9 Months Ended

12 Months Ended

3 Months Ended

9 Months Ended

12 Months Ended

3 Months Ended

9 Months Ended

12 Months Ended

3 Months Ended

9 Months Ended

12 Months Ended

3 Months Ended

9 Months Ended

12 Months Ended

3 Months Ended

9 Months Ended

12 Months Ended

3 Months Ended

9 Months Ended

12 Months Ended

3 Months Ended

9 Months Ended

12 Months Ended

3 Months Ended

9 Months Ended

12 Months Ended

9 Months Ended

12 Months Ended

3 Months Ended

9 Months Ended

12 Months Ended

3 Months Ended

9 Months Ended

12 Months Ended

3 Months Ended

9 Months Ended

12 Months Ended

In Thousands, unless otherwise specified

Sep. 30, 2013

Sep. 30, 2012

Sep. 30, 2013

Sep. 30, 2012

Dec. 31, 2012

Sep. 30, 2013

Sep. 30, 2012

Sep. 30, 2013

Sep. 30, 2012

Dec. 31, 2012

Sep. 30, 2013

Sep. 30, 2012

Sep. 30, 2013

Sep. 30, 2012

Dec. 31, 2012

Sep. 30, 2013

Sep. 30, 2012

Sep. 30, 2013

Sep. 30, 2012

Dec. 31, 2012

Sep. 30, 2013

Sep. 30, 2012

Sep. 30, 2013

Sep. 30, 2012

Dec. 31, 2012

Sep. 30, 2013

Sep. 30, 2012

Sep. 30, 2013

Sep. 30, 2012

Dec. 31, 2012

Sep. 30, 2013

Sep. 30, 2013

Sep. 30, 2012

Dec. 31, 2012

Jun. 30, 2012

Sep. 30, 2013

Sep. 30, 2013

Sep. 30, 2012

Dec. 31, 2012

Jun. 30, 2012

Sep. 30, 2013

Sep. 30, 2013

Sep. 30, 2012

Dec. 31, 2012

Sep. 30, 2013

Jun. 30, 2013

Jun. 30, 2012

Sep. 30, 2012

Dec. 31, 2012

Sep. 30, 2013

Jun. 30, 2013

Jun. 30, 2012

Sep. 30, 2013

Sep. 30, 2013

Sep. 30, 2012

Dec. 31, 2012

Jun. 30, 2012

Sep. 30, 2013

Sep. 30, 2013

Sep. 30, 2012

Dec. 31, 2012

Jun. 30, 2012

Sep. 30, 2013

Sep. 30, 2013

Dec. 31, 2012

ACCRUING

ACCRUING

ACCRUING

ACCRUING

ACCRUING

NONACCRUAL

NONACCRUAL

NONACCRUAL

NONACCRUAL

NONACCRUAL

Commercial Real Estate

Commercial Real Estate

Commercial Real Estate

Commercial Real Estate

Commercial Real Estate

Commercial Real Estate

Commercial Real Estate

Commercial Real Estate

Commercial Real Estate

Commercial Real Estate

Commercial Real Estate

Commercial Real Estate

Commercial Real Estate

Commercial Real Estate

Commercial Real Estate

Commercial, Financial, and Agricultural

Commercial, Financial, and Agricultural

Commercial, Financial, and Agricultural

Commercial, Financial, and Agricultural

Commercial, Financial, and Agricultural

Commercial, Financial, and Agricultural

Commercial, Financial, and Agricultural

Commercial, Financial, and Agricultural

Commercial, Financial, and Agricultural

Commercial, Financial, and Agricultural

Commercial, Financial, and Agricultural

Commercial, Financial, and Agricultural

Commercial Construction

Commercial Construction

Commercial Construction

Commercial Construction

Commercial Construction

Commercial Construction

Commercial Construction

Commercial Construction

Commercial Construction

Commercial Construction

One to four family residential real estate

One to four family residential real estate

One to four family residential real estate

One to four family residential real estate

One to four family residential real estate

One to four family residential real estate

One to four family residential real estate

One to four family residential real estate

One to four family residential real estate

One to four family residential real estate

One to four family residential real estate

One to four family residential real estate

One to four family residential real estate

ACCRUING

ACCRUING

ACCRUING

ACCRUING

ACCRUING

NONACCRUAL

NONACCRUAL

NONACCRUAL

NONACCRUAL

NONACCRUAL

ACCRUING

ACCRUING

ACCRUING

ACCRUING

ACCRUING

NONACCRUAL

NONACCRUAL

ACCRUING

ACCRUING

ACCRUING

ACCRUING

ACCRUING

ACCRUING

ACCRUING

ACCRUING

ACCRUING

ACCRUING

NONACCRUAL

NONACCRUAL

NONACCRUAL

Changes in troubled debt restructuring

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Beginning balance

$8,970

$8,014

$8,056

$2,503

$2,503

$6,695

$5,826

$5,792

$2,503

$2,503

$2,275

$2,188

$2,264

'

'

$5,732

$5,833

$5,773

$2,400

$2,400

$3,563

$3,645

$3,611

$2,400

$2,400

$2,169

$2,188

$2,162

'

'

$2,174

$1,221

'

'

$1,221

$2,174

$1,221

'

'

$1,221

'

'

'

'

$858

$858

$858

'

'

$858

$858

$858

$206

$204

$103

$103

$102

$100

$102

$103

$103

$102

$106

$102

'

Principal payments

-147

-61

-197

-493

-519

-46

-14

-96

-67

-87

-101

-47

-101

-426

-432

-107

-61

-155

-490

-516

-20

-14

-68

-64

-84

-87

-47

-87

-426

-432

-25

-25

'

'

'

-25

-25

'

'

'

'

'

-2

-2

'

'

'

-2

-2

'

'

'

-15

-17

-1

-1

'

-1

-3

-1

-1

'

-14

-14

'

Charge-offs

-400

'

-400

-772

-772

-400

'

-400

'

'

'

'

'

-772

-772

'

'

'

-772

-772

'

'

'

'

'

'

'

'

-772

-772

-400

-400

'

'

'

-400

-400

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Advances

'

27

'

47

47

'

'

'

'

'

'

27

'

47

47

'

27

'

47

47

'

'

'

'

'

'

27

'

47

47

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

New restructured

'

'

964

6,695

6,797

'

'

953

5,776

5,776

'

'

11

919

1,021

'

'

7

4,614

4,614

'

'

'

3,695

3,695

'

'

7

919

919

'

953

1,221

1,221

'

'

953

1,221

1,221

'

'

'

860

860

'

'

'

860

860

'

'

'

'

4

'

102

'

'

'

'

'

'

'

4

102

Transfers to nonaccrual

-528

'

-528

-2,400

-2,400

-528

'

-528

-2,400

-2,400

'

'

'

'

'

'

'

'

-2,400

-2,400

'

'

'

-2,400

-2,400

'

'

'

'

'

-528

-528

'

'

'

-528

-528

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Transfers to foreclosed properties

'

'

-528

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

-528

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Transfer from accruing

528

'

'

2,400

2,400

'

'

'

'

'

528

'

528

2,400

2,400

'

'

'

2,400

2,400

'

'

'

'

'

'

'

'

2,400

2,400

528

'

'

'

'

'

'

'

'

'

528

528

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Ending balance

$8,423

$7,980

$8,423

$7,980

$8,056

$5,721

$5,812

$5,721

$5,812

$5,792

$2,702

$2,168

$2,702

$2,168

$2,264

$5,625

$5,799

$5,625

$5,799

$5,773

$3,543

$3,631

$3,543

$3,631

$3,611

$2,082

$2,168

$2,082

$2,168

$2,162

$1,749

$1,749

$1,221

$1,221

$1,221

$1,221

$1,221

$1,221

$1,221

$1,221

$528

$528

$858

$858

$858

$858

$858

$858

$858

$858

$858

$858

$191

$191

$102

$204

$102

$99

$99

$102

$102

$102

$92

$92

$102

LOANS_Details_9

LOANS (Details 9) (Bank, USD $)	9 Months Ended		12 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012	Dec. 31, 2012
Activity in insider loans granted to the entity's executive officers and directors, including their families and firms	'	'	'
Loans outstanding, beginning of period	$11,297	$8,827	$8,827
New loans	496	3,401	3,911
Net activity on revolving lines of credit	-263	17	233
Principal payments	-1,442	-1,490	-1,674
Loans outstanding, end of period	10,088	10,755	11,297
Unfunded commitments	5	'	'
Substandard	'	'	'
Activity in insider loans granted to the entity's executive officers and directors, including their families and firms	'	'	'
Loans outstanding, end of period	$0	$0	$0

MORTGAGE_SERVICING_RIGHTS_Deta

MORTGAGE SERVICING RIGHTS (Details) (USD $)	9 Months Ended		12 Months Ended
	Sep. 30, 2013	Sep. 30, 2012	Dec. 31, 2012
MORTGAGE SERVICING RIGHTS	'	'	'
Residential first mortgage loans the Corporation has obligations to service	$126,000,000	'	'
Annual constant prepayment speed (as a percent)	15.90%	'	'
Discount rate (as a percent)	7.50%	'	'
Changes in mortgage servicing rights capitalized and amortized, along with the aggregate activity in related valuation allowances	'	'	'
Balance at beginning of period	638,000	400,000	400,000
Additions from loans sold with servicing retained	325,000	245,000	344,000
Amortization	-129,000	-74,000	-106,000
Estimated Valuation of MSRs at end of period	$834,000	$571,000	$638,000

BORROWINGS_Details

BORROWINGS (Details) (USD $)	Sep. 30, 2013	Dec. 31, 2012	Sep. 30, 2012
In Thousands, unless otherwise specified
BORROWINGS	'	'	'
Borrowings	$35,852	$35,925	$35,925
Federal Home Loan Bank fixed rate advances at September 30, 2013 with a weighted average rate of 1.79% maturing in 2014, 2016 and 2018	'	'	'
BORROWINGS	'	'	'
Borrowings	35,000	35,000	35,000
Interest rate on note (as a percent)	1.79%	'	'
Federal Home Loan Bank fixed rate advances at September 30, 2013 with a weighted average rate of 1.79% maturing in 2014, 2016 and 2018 | Mortgage related and municipal securities	'	'	'
BORROWINGS	'	'	'
Securities pledged as collateral, amortized cost	8,424	'	'
Securities pledged as collateral, fair value	8,654	'	'
Federal Home Loan Bank fixed rate advances at September 30, 2013 with a weighted average rate of 1.79% maturing in 2014, 2016 and 2018 | Federal Home Loan Bank stock	'	'	'
BORROWINGS	'	'	'
Stock owned and pledged as collateral	3,060	'	'
Federal Home Loan Bank fixed rate advances at September 30, 2013 with a weighted average rate of 1.79% maturing in 2014, 2016 and 2018 | One to four family residential real estate	'	'	'
BORROWINGS	'	'	'
Loans pledged as collateral	41,769	'	'
USDA Rural Development, fixed-rate note payable, maturing August 24, 2024, interest payable at 1%	'	'	'
BORROWINGS	'	'	'
Borrowings	852	925	925
Interest rate on note (as a percent)	1.00%	'	'
USDA Rural Development, fixed-rate note payable, maturing August 24, 2024, interest payable at 1% | First Rural Relending	'	'	'
BORROWINGS	'	'	'
Loans pledged as collateral	130	'	'
Demand deposit account pledged as collateral	$790	'	'

STOCK_COMPENSATION_PLANS_Detai

STOCK COMPENSATION PLANS (Details) (USD $)	9 Months Ended		12 Months Ended
	Sep. 30, 2013	Sep. 30, 2012	Dec. 31, 2012
Stock option transactions	'	'	'
Outstanding shares at beginning of year	242,152	392,152	392,152
Granted during the period (in shares)	0	0	'
Expired / forfeited during the period (in shares)	-5,000	'	'
Surrendered/Exchanged for restricted stock (in shares)	'	-150,000	-150,000
Outstanding shares at end of period	237,152	242,152	242,152
Exercisable shares at end of period	125,861	107,561	126,361
Weighted average exercise price per share at end of period (in dollars per share)	$9.88	$9.88	$9.88

STOCK_COMPENSATION_PLANS_Detai1

STOCK COMPENSATION PLANS (Details 2) (USD $)	9 Months Ended
	Sep. 30, 2013
Stock option plans	'
Number of Shares, Outstanding	237,152
Number of Shares, Exercisable	125,861
Number of Shares, Unvested Options	111,291
Weighted Average Remaining Contractual Life-Years	'1 year 3 months 25 days
Exercise price, one	'
Stock option plans	'
Exercise Price (in dollars per share)	9.75
Number of Shares, Outstanding	217,152
Number of Shares, Exercisable	120,861
Number of Shares, Unvested Options	96,291
Weighted Average Remaining Contractual Life-Years	'1 year 2 months 16 days
Exercise price, two	'
Stock option plans	'
Exercise Price (in dollars per share)	10.65
Number of Shares, Outstanding	10,000
Number of Shares, Exercisable	2,500
Number of Shares, Unvested Options	7,500
Weighted Average Remaining Contractual Life-Years	'3 years 2 months 16 days
Exercise price, three	'
Stock option plans	'
Exercise Price (in dollars per share)	12
Number of Shares, Outstanding	10,000
Number of Shares, Exercisable	2,500
Number of Shares, Unvested Options	7,500
Weighted Average Remaining Contractual Life-Years	'1 year 9 months 14 days

STOCK_COMPENSATION_PLANS_Detai2

STOCK COMPENSATION PLANS (Details 3) (Restricted Stock Units, USD $)	1 Months Ended
	Aug. 31, 2012
Restricted Stock Units	'
Stock Compensation Plans	'
Number of RSUs granted (in shares)	148,500
Market value of granted stock (in dollars per unit)	$7.91
Vesting term of restricted stock units	'4 years

INCOME_TAXES_Details

INCOME TAXES (Details) (USD $)	9 Months Ended
	Sep. 30, 2013	Dec. 31, 2012	Sep. 30, 2012
INCOME TAXES	'	'	'
Net operating loss (NOL) carryforwards	$19,200,000	'	'
Tax credit carryforwards	2,100,000	'	'
Expiration period from date of origination for net operating loss carryforwards	'20 years	'	'
Portion of the NOL subject to limitations for utilization	14,200,000	'	'
Annual limitation for usage of NOL	1,400,000	'	'
Annual limitation for usage of tax credits	476,000	'	'
Deferred tax assets, net of valuation allowance	7,953,000	9,131,000	9,670,000
Valuation allowance	3,000,000	'	'
Adjustment warranted to the valuation	$0	'	'

FAIR_VALUE_MEASUREMENTS_Detail

FAIR VALUE MEASUREMENTS (Details) (USD $)	9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Dec. 31, 2012	Sep. 30, 2012
FAIR VALUE MEASUREMENTS	'	'	'
Blended interest rate for determining fair value of nonaccrual loans (as a percent)	0.00%	'	'
Financial assets:	'	'	'
Interest-bearing deposits	$10	$10	$10
Securities available for sale	48,096	43,799	42,476
Carrying Amount	'	'	'
Financial assets:	'	'	'
Total financial assets	543,032	519,108	523,297
Financial liabilities:	'	'	'
Total financial liabilities	497,740	470,696	475,526
Estimated Fair Value	'	'	'
Financial assets:	'	'	'
Total financial assets	535,505	514,388	519,931
Financial liabilities:	'	'	'
Total financial liabilities	495,610	470,170	475,058
Level 1 | Carrying Amount	'	'	'
Financial assets:	'	'	'
Cash and cash equivalents	22,794	26,961	47,405
Level 1 | Estimated Fair Value	'	'	'
Financial assets:	'	'	'
Cash and cash equivalents	22,794	26,961	47,405
Level 2 | Carrying Amount	'	'	'
Financial assets:	'	'	'
Interest-bearing deposits	10	10	10
Securities available for sale	48,096	43,799	42,476
Federal Home Loan Bank stock	3,060	3,060	3,060
Financial liabilities:	'	'	'
Deposits	461,688	434,557	439,363
Borrowings	35,852	35,925	35,925
Accrued interest payable	200	214	238
Level 2 | Estimated Fair Value	'	'	'
Financial assets:	'	'	'
Interest-bearing deposits	10	10	10
Securities available for sale	48,096	43,799	42,476
Federal Home Loan Bank stock	3,060	3,060	3,060
Financial liabilities:	'	'	'
Deposits	459,862	434,227	439,139
Borrowings	35,548	35,729	35,681
Accrued interest payable	200	214	238
Level 3 | Carrying Amount	'	'	'
Financial assets:	'	'	'
Net loans	467,536	443,959	428,772
Accrued interest receivable	1,536	1,319	1,574
Level 3 | Estimated Fair Value	'	'	'
Financial assets:	'	'	'
Net loans	460,009	439,239	425,406
Accrued interest receivable	$1,536	$1,319	$1,574

FAIR_VALUE_MEASUREMENTS_Detail1

FAIR VALUE MEASUREMENTS (Details 2) (USD $)	Sep. 30, 2013	Dec. 31, 2012	Sep. 30, 2012
In Thousands, unless otherwise specified
Fair value measurements	'	'	'
Other real estate owned	$2,568	$3,212	$3,511
Nonrecurring	'	'	'
Fair value measurements	'	'	'
Investments	0	'	'
Nonrecurring | Total	'	'	'
Fair value measurements	'	'	'
Impaired loans	4,313	4,687	5,290
Other real estate owned	2,568	3,212	3,511
Nonrecurring | Significant Unobservable Inputs (Level 3)	'	'	'
Fair value measurements	'	'	'
Impaired loans	4,313	4,687	5,290
Other real estate owned	2,568	3,212	3,511
Recurring | Significant Unobservable Inputs (Level 3)	'	'	'
Fair value measurements	'	'	'
Assets	0	0	0
Liabilities	$0	$0	$0

FAIR_VALUE_MEASUREMENTS_Detail2

FAIR VALUE MEASUREMENTS (Details 3) (Nonrecurring, USD $)	3 Months Ended		9 Months Ended		12 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012	Dec. 31, 2012
Fair value	'	'	'	'	'
Total Losses	$588	$318	$1,095	$1,515	$1,640
Impaired loans	'	'	'	'	'
Fair value	'	'	'	'	'
Total Losses	531	53	949	1,065	1,151
Other real estate owned	'	'	'	'	'
Fair value	'	'	'	'	'
Total Losses	$57	$265	$146	$450	$489

SHAREHOLDERS_EQUITY_Details

SHAREHOLDER'S EQUITY (Details) (USD $)	Jun. 30, 2013	Apr. 24, 2009	Apr. 24, 2009	Sep. 30, 2013	Apr. 24, 2009	Dec. 31, 2012
		US Treasury with TARP Capital Purchase Program	US Treasury with TARP Capital Purchase Program	US Treasury with TARP Capital Purchase Program	US Treasury with TARP Capital Purchase Program	US Treasury with TARP Capital Purchase Program
			Preferred Stock	Preferred Stock	Warrant	Warrant
			Series A	Series A
Participation in the TARP Capital Purchase Program	'	'	'	'	'	'
Shares issued	'	'	11,000	'	'	'
Number of shares that can be purchased	'	'	'	'	379,310	'
Exercise price of warrants (in dollars per share)	'	'	'	'	$4.35	'
Proceeds from issuance of Series A Preferred Shares and common stock warrants	'	$11,000,000	'	'	'	'
Estimated discount rate to determine the fair value of stock (as a percent)	'	'	12.00%	'	'	'
Term used to determine fair value	'	'	'3 years	'	'3 years	'
Allocated carrying value of Preferred Stock	11,000,000	'	10,382,000	'	'	'
Allocated carrying value of Warrant Common Stock	'	'	'	'	618,000	'
Annual rate of cumulative dividends on Preferred Stock for the first five years (as a percent)	'	'	'	5.00%	'	'
Annual rate of cumulative dividends on Preferred Stock after the first five years (as a percent)	'	'	'	9.00%	'	'
Liquidation preference (in dollars per share)	'	'	'	$1,000	'	'
Cost of purchase of warrants from treasury	'	'	'	'	'	1,300,000
Preferred stock redeemed	$7,000,000	'	'	'	'	'

COMMITMENTS_CONTINGENCIES_AND_2

COMMITMENTS, CONTINGENCIES AND CREDIT RISK (Details) (USD $)	9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Dec. 31, 2012	Sep. 30, 2012
Financial Instruments with Off-Balance-Sheet Risk	'	'	'
Commitments	$64,500	$64,148	$66,292
Commitments to extend credit	'	'	'
Financial Instruments with Off-Balance-Sheet Risk	'	'	'
Commitments, variable rate	32,061	39,782	38,068
Commitments, fixed rate	24,536	18,427	21,247
Standby letters of credit	'	'	'
Financial Instruments with Off-Balance-Sheet Risk	'	'	'
Commitments, variable rate	4,741	2,879	3,816
Percentage collateralization on financial instruments allowed under commitments	100.00%	'	'
Credit card commitments	'	'	'
Financial Instruments with Off-Balance-Sheet Risk	'	'	'
Commitments, fixed rate	$3,162	$3,060	$3,161

COMMITMENTS_CONTINGENCIES_AND_3

COMMITMENTS, CONTINGENCIES AND CREDIT RISK (Details 2) (USD $)	Sep. 30, 2013	Dec. 31, 2012	Sep. 30, 2012	Sep. 30, 2013	Dec. 31, 2012	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
In Thousands, unless otherwise specified				Commercial real estate loans	Commercial real estate loans	Commercial real estate loans	Bank	Bank
							Commercial real estate loans	Commercial real estate loans
							Commercial loan portfolio	Commercial loan portfolio
							Credit risk concentration	Credit risk concentration
Concentration of Credit Risk	'	'	'	'	'	'	'	'
Loan portfolio	$467,536	$443,959	$428,772	$255,406	$241,699	$221,213	$101,406	$88,505
Percentage of concentration risk under a specified benchmark	'	'	'	'	'	'	28.68%	26.83%