First Financial Service (FFKY) 10-Q 14 Nov 13 2013 Q3 Quarterly report Financial data

Document_And_Entity_Informatio

Document And Entity Information	9 Months Ended
	Sep. 30, 2013	Oct. 31, 2013
Document Information [Line Items]	'	'
Entity Registrant Name	'FIRST FINANCIAL SERVICE CORP	'
Entity Central Index Key	'0000854395	'
Current Fiscal Year End Date	'--12-31	'
Entity Filer Category	'Smaller Reporting Company	'
Trading Symbol	'FFKY	'
Entity Common Stock, Shares Outstanding	'	4,862,023
Document Type	'10-Q	'
Amendment Flag	'false	'
Document Period End Date	30-Sep-13	'
Document Fiscal Period Focus	'Q3	'
Document Fiscal Year Focus	'2013	'

Consolidated_Balance_Sheets

Consolidated Balance Sheets (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
ASSETS:	'	'
Cash and due from banks	$13,441	$12,598
Interest bearing deposits	18,076	50,505
Total cash and cash equivalents	31,517	63,103
Securities available-for-sale	290,183	354,131
Loans held for sale	1,068	3,887
Loans, net of unearned fees	476,031	524,835
Allowance for loan losses	-12,224	-17,265
Net loans	463,807	507,570
Federal Home Loan Bank stock	4,430	4,805
Cash surrender value of life insurance	10,336	10,060
Premises and equipment, net	25,907	27,048
Real estate owned:	'	'
Acquired through foreclosure, net of valuation allowance of $721 Sept (2013) and $500 Dec (2012)	8,859	22,286
Other repossessed assets	16	34
Accrued interest receivable	2,283	2,690
Accrued income taxes	2,907	2,928
Low-income housing investments	7,039	7,061
Other assets	1,804	1,459
TOTAL ASSETS	850,156	1,007,062
LIABILITIES AND STOCKHOLDERS' EQUITY	'	'
Non-interest bearing	80,308	75,842
Interest bearing	666,570	846,778
Total deposits	746,878	922,620
Advances from Federal Home Loan Bank	38,424	12,596
Subordinated debentures	18,000	18,000
Accrued interest payable	4,137	3,121
Accrued senior preferred dividend	3,219	2,469
Accounts payable and other liabilities	4,977	3,884
TOTAL LIABILITIES	815,635	962,690
Commitments and contingent liabilities	'	'
STOCKHOLDERS' EQUITY:	'	'
Senior preferred stock, $1 par value per share; authorized 5,000,000 shares; issued and outstanding, 20,000 shares with a liquidation preference of $23.2 million Sept (2013), and $22.5 million Dec (2012)	19,984	19,943
Common stock, $1 par value per share; authorized 35,000,000 shares; issued and outstanding, 4,861,523 shares Sept (2013), and 4,775,114 shares Dec (2012)	4,861	4,775
Additional paid-in capital	36,137	35,782
Accumulated deficit	-17,726	-17,398
Accumulated other comprehensive income	-8,735	1,270
TOTAL STOCKHOLDERS' EQUITY	34,521	44,372
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$850,156	$1,007,062

Consolidated_Balance_Sheets_Pa

Consolidated Balance Sheets (Parenthetical) (USD $)	Sep. 30, 2013	Dec. 31, 2012
Real Estate Owned, Valuation Allowance (in dollars)	$721,000	$500,000
Serial preferred stock, par value (in dollars per share)	$1	$1
Serial preferred stock, shares authorized	5,000,000	5,000,000
Serial preferred stock, shares issued	20,000	20,000
Serial preferred stock, shares outstanding	20,000	20,000
Serial preferred stock, liquidation preference (in dollars)	$23,200,000	$22,500,000
Common stock, par value (in dollars per share)	$1	$1
Common stock, shares authorized	35,000,000	35,000,000
Common stock, shares issued	4,861,523	4,775,114
Common stock, shares, outstanding	4,861,523	4,775,114

Consolidated_Statements_of_Ope

Consolidated Statements of Operations (USD $)	3 Months Ended		9 Months Ended
In Thousands, except Share data, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
Interest and Dividend Income:	'	'	'	'
Loans, including fees	$6,308	$8,082	$19,729	$26,911
Taxable securities	1,700	1,666	4,898	5,303
Tax exempt securities	53	74	185	230
Total interest income	8,061	9,822	24,812	32,444
Interest Expense:	'	'	'	'
Deposits	1,561	2,952	5,471	10,341
Federal Home Loan Bank advances	133	216	397	783
Subordinated debentures	340	421	1,022	1,103
Total interest expense	2,034	3,589	6,890	12,227
Net interest income	6,027	6,233	17,922	20,217
Provision for loan losses	-500	2,671	-1,325	4,598
Net interest income after provision for loan losses	6,527	3,562	19,247	15,619
Non-interest Income:	'	'	'	'
Customer service fees on deposit accounts	1,444	1,339	3,942	4,121
Gain on sale of mortgage loans	230	505	818	1,200
Gain on sale of investments	235	2,054	1,078	3,363
Loss on sale of investments	-223	-350	-839	-653
Other than temporary impairment loss:	'	'	'	'
Total other-than-temporary impairment losses	0	0	0	-26
Portion of loss recognized in other comprehensive income/(loss) (before taxes)	0	0	0	0
Net impairment losses recognized in earnings	0	0	0	-26
Loss on sale and write downs on real estate acquired through foreclosure	-365	-1,587	-1,957	-5,169
Gain on branch divesture	0	3,124	0	3,124
Gain on sale of premises and equipment	0	0	0	322
Gain on sale on real estate acquired through foreclosure	1,632	630	1,839	1,243
Gain on sale of real estate held for development	0	0	0	175
Brokerage commissions	127	109	384	316
Other income	466	632	1,421	1,660
Total non-interest income	3,546	6,456	6,686	9,676
Non-interest Expense:	'	'	'	'
Employee compensation and benefits	3,955	3,609	11,505	11,284
Office occupancy expense and equipment	653	777	2,051	2,327
Marketing and advertising	99	113	273	281
Outside services and data processing	900	853	2,704	2,557
Bank franchise tax	315	402	708	1,146
FDIC insurance premiums	460	663	1,654	1,760
Amortization of intangible assets	0	0	0	127
Real estate acquired through foreclosure expense	452	638	1,270	3,314
Loan expense	485	568	1,092	1,732
FHLB advance perpayment penalty	0	1,548	0	1,548
Other expense	1,286	1,682	4,211	4,482
Total non-interest expense	8,605	10,853	25,468	30,558
Income (Loss) before income taxes	1,468	-835	465	-5,263
Income tax expense/(benefit)	1	-84	2	-83
Net Income (Loss)	1,467	-751	463	-5,180
Less:	'	'	'	'
Dividends on preferred stock	-250	-250	-750	-750
Accretion on preferred stock	-14	-14	-41	-41
Net income (loss) attributable to common shareholders	$1,203	($1,015)	($328)	($5,971)
Shares applicable to basic income (loss) per common share (in shares)	4,860,115	4,772,987	4,816,538	4,766,898
Basic income (loss) per common share (in dollars per share)	$0.25	($0.21)	($0.07)	($1.25)
Shares applicable to diluted income (loss) per common share (in shares)	4,905,542	4,772,987	4,816,538	4,766,898
Diluted income (loss) per common share (in dollars per share)	$0.25	($0.21)	($0.07)	($1.25)
Cash dividends declared per common share (in dollars per share)	$0	$0	$0	$0

Consolidated_Statements_of_Com

Consolidated Statements of Comprehensive Income/(Loss) (USD $)	3 Months Ended		9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
Net Income (Loss)	$1,467	($751)	$463	($5,180)
Other comprehensive income (loss):	'	'	'	'
Change in unrealized gain (loss) on securities available-for-sale	-1,438	2,212	-9,766	2,980
Change in unrealized gain (loss) on securities available-for-sale for which a portion of other-than-temporary impairment has been recognized into earnings	0	98	0	77
Reclassification of realized amount on securities available-for-sale losses (gains)	-12	-1,704	-239	-2,710
Reclassification of unrealized loss on held-to-maturity security recognized in income	0	0	0	26
Accretion (amortization) of non-credit component of other-than-temporary impairment on held-to-maturity securities	0	0	0	50
Net unrealized gain (loss) recognized in comprehensive income	-1,450	606	-10,005	423
Tax effect	0	-206	0	-206
Total other comphrehensive income (loss)	-1,450	400	-10,005	217
Comprehensive Income (Loss)	$17	($351)	($9,542)	($4,963)

Consolidated_Statements_of_Cha

Consolidated Statements of Changes in Stockholders' Equity (USD $)	Total	Preferred Stock [Member]	Common Stock [Member]	Additional Paid-in Capital [Member]	Retained Earnings [Member]	Accumulated Other Comprehensive Income (Loss) [Member]
In Thousands, except Share data
Balance at Dec. 31, 2012	$44,372	$19,943	$4,775	$35,782	($17,398)	$1,270
Balance (in shares) at Dec. 31, 2012	'	20,000	4,775,114	'	'	'
Net income	463	0	0	0	463	0
Stock issued for stock options exercised and employee benefit plans	48	0	20	28	0	0
Stock issued for stock options exercised and employee benefit plans (in shares)	'	0	20,481	'	'	'
Issuance of restricted shares	0	0	66	-66	0	0
Issuance of restricted shares (in shares)	'	0	65,928	'	'	'
Stock-based compensation expense	393	0	0	393	0	0
Total other comprehensive income (loss)	-10,005	0	0	0	0	-10,005
Dividends on preferred stock	-750	0	0	0	-750	0
Accretion of preferred stock discount	0	41	0	0	-41	0
Balance at Sep. 30, 2013	$34,521	$19,984	$4,861	$36,137	($17,726)	($8,735)
Balance (in shares) at Sep. 30, 2013	'	20,000	4,861,523	'	'	'

Consolidated_Statements_of_Cas

Consolidated Statements of Cash Flows (USD $)	9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012
Operating Activities:	'	'
Net loss	$463	($5,180)
Adjustments to reconcile net income/(loss) to net cash provided by operating activities:	'	'
Provision for loan losses	-1,325	4,598
Depreciation on premises and equipment	1,086	1,146
Change in real estate acquired through foreclosure valuation allowance	221	0
Intangible asset amortization	0	127
Loss on low-income housing investments	46	275
Net amortization (accretion) available-for-sale	5,394	-4,764
Impairment loss on securities held-to-maturity	0	26
Gain on sale of investments available-for-sale	-1,078	-3,171
Gain on call of investments held-to-maturity	0	-192
Loss on sale of investments available-for-sale	839	653
Gain on sale of mortgage loans	-818	-1,200
Gain on branch divesture	0	-3,124
Gain on sale of premises and equipment	0	-322
Loss on sale of premises and equipment	70	0
Gain on sale of real estate acquired through foreclosure	-1,839	-1,243
Loss on sale of real estate acquired through foreclosure	372	256
Gain on sale of real estate held for development	0	-175
Write-downs on real estate acquired through foreclosure	1,585	4,913
Origination of loans held for sale	-46,807	-47,294
Proceeds on sale of loans held for sale	50,444	55,975
Stock-based compensation expense	393	202
Prepaid FDIC premium	0	1,302
Changes in:	'	'
Cash surrender value of life insurance	-276	-269
Interest receivable	407	650
Other assets	-345	1,388
Interest payable	1,016	966
Accrued income tax	21	0
Accounts payable and other liabilities	1,093	1,692
Net cash from operating activities	10,962	7,235
Investing Activities:	'	'
Cash paid for the disposition of branches	0	-80,248
Sales of securities available-for-sale	125,351	214,830
Call of securities held-to-maturity	0	208
Purchases of securities available-for-sale	-108,926	-274,567
Maturities of securities available-for-sale	32,363	59,436
Maturities of securities held-to-maturity	0	58
Net change in loans	42,844	104,152
Sale of portfolio loans	0	10,693
Redemption of Federal Home Loan Bank stock	375	0
Investment in low-income housing projects	-24	-24
Net purchases of premises and equipment	-537	-202
Sales of premises and equipment	522	1,575
Proceeds from sales of real estate acquired through foreclosure	15,350	10,979
Sales of real estate held for development	0	220
Net cash from investing activities	107,318	47,110
Financing Activities	'	'
Net change in deposits	-175,742	-76,182
Advance from Federal Home Loan Bank	26,000	0
Repayments to Federal Home Loan Bank	-172	-15,105
Issuance of common stock under dividend reinvestment program	0	5
Issuance of common stock for employee benefit plans and exercise of stock options	48	38
Net cash from financing activities	-149,866	-91,244
Increase (decrease) in cash and cash equivalents	-31,586	-36,899
Cash and cash equivalents, beginning of period	63,103	92,236
Cash and cash equivalents, end of period	31,517	55,337
Supplemental noncash disclosures:	'	'
Transfers from loans to real estate acquired through foreclosure and repossessed assets	2,369	15,682
Loans to facilitate sales of real estate owned and repossessed assets	125	243
Dividends accrued not paid on preferred stock	750	750
Transfers from loans to loans held for sale in probable branch divestiture	$0	$11,304

BASIS_OF_PRESENTATION_AND_SUMM

BASIS OF PRESENTATION AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	9 Months Ended
	Sep. 30, 2013
Accounting Policies [Abstract]	'
Basis of Presentation and Significant Accounting Policies [Text Block]	'
	1	BASIS OF PRESENTATION AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
	Basis of Presentation – The accompanying unaudited consolidated financial statements include the accounts of First Financial Service Corporation (the “Corporation”) and its wholly owned subsidiary, First Federal Savings Bank (the “Bank”). First Federal Savings Bank has three wholly owned subsidiaries, First Service Corporation of Elizabethtown, Heritage Properties, LLC and First Federal Office Park, LLC. Unless the text clearly suggests otherwise, references to "us," "we," or "our" include First Financial Service Corporation and its wholly owned subsidiary, collectively referred to as the “Company”. All significant intercompany transactions and balances have been eliminated in consolidation.
	The accompanying unaudited consolidated financial statements have been prepared in accordance with U.S. generally accepted accounting principles for interim financial information and with 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 U.S. 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 three and nine month periods ending September 30, 2013 are not necessarily indicative of the results that may occur for the year ending December 31, 2013. For further information, refer to the consolidated financial statements and footnotes thereto included in the Corporation’s annual report on Form 10-K for the period ended December 31, 2012.
	Reclassifications – Some items in the prior year financial statements were reclassified to conform to the current presentation. Reclassifications had no effect on prior year operations or shareholder’s equity.
	Adoption of New Accounting Standards – Effective February 2013, we adopted, ASU No. 2013-02, Reporting of Amounts Reclassified Out of Accumulated Other Comprehensive (ASU 2013-02).  This guidance is the culmination of the FASB’s deliberation on reporting reclassification adjustments from accumulated other comprehensive income (AOCI). The amendments in ASU 2013-02 do not change the current requirements for reporting net income or other comprehensive income.  However, the amendments require disclosure of amounts reclassified out of AOCI in its entirety, by component, on the face of the statement of operations or in the notes thereto.  Amounts that are not required to be reclassified in their entirety to net income must be cross-referenced to other disclosures that provide additional detail.  This standard was effective for public entities for annual and interim reporting periods beginning after December 15, 2012. The adoption of this update did not have a material impact on the consolidated financial statements.
	In July 2013, the Financial Accounting Standards Board issued Accounting Standards Update 2013-11, Presentation of an Unrecognized Tax Benefit When a Net Operating Loss Carryforward, a Similar Tax Loss, or a Tax Credit Carryforward Exists (ASU 2013-11). Current GAAP does not include explicit guidance on the financial statement presentation of an unrecognized tax benefit when a net operating loss carryforward, a similar tax loss, or a tax credit carryforward exists. The adoption of ASU 2013-11 will require an unrecognized tax benefit, or a portion of an unrecognized tax benefit to be presented in the financial statements as a reduction to a deferred tax asset for a net operating loss carryforward, a similar tax loss, or a tax credit carryforward, unless an exception applies. The amendments in this update are effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2013. We are currently evaluating the effect that the provisions of ASU 2013-11 will have on the consolidated financial statements.

REGULATORY_MATTERS

REGULATORY MATTERS	9 Months Ended
	Sep. 30, 2013
Regulatory Matters [Abstract]	'
Regulatory Capital Requirements under Banking Regulations [Text Block]	'
	2	REGULATORY MATTERS
	Since January 2011, the Bank has operated under Consent Orders with the Federal Deposit Insurance Corporation (“FDIC”) and the Kentucky Department of Financial Institutions (“KDFI”). The initial Consent Order required the Bank to achieve a total capital to risk-weighted assets ratio of 12% and a Tier 1 capital to average total assets ratio of 9%. It also prohibited the Bank from declaring dividends without the prior written approval of the FDIC and KDFI and has required the Bank to develop and implement plans to reduce its level of non-performing assets and concentrations of credit in commercial real estate loans, maintain adequate reserves for loan and lease losses, implement procedures to ensure compliance with applicable laws, and take certain other actions. When the Bank entered into a new Consent Order with the FDIC and KDFI in March 2012, it agreed that should it be unable to reach the required capital levels by June 30, 2012, and if directed in writing by the FDIC, then within 30 days the Bank would develop, adopt and implement a written plan to sell or merge itself into another federally insured financial institution. To date, the Bank has not received such a written direction.  The latest Consent Order also includes the same substantive provisions as the initial Consent Order and requires the Bank to continue to adhere to the plans implemented in response to the initial Consent Order.
	Copies of the Consent Orders are included as exhibits to our Form 8–K filed on January 27, 2011 and our 2011 Annual Report on Form 10-K filed March 30, 2012.
	In April 2011, the Corporation entered into a formal agreement with the Federal Reserve Bank of St. Louis, which requires the Corporation to obtain regulatory approval before declaring any dividends and to take steps to ensure the Bank complies with the Consent Order. We also may not redeem shares or obtain additional borrowings without prior approval.
	At September 30, 2013, the Bank’s Tier 1 capital ratio was 7.80% and the total risk-based capital ratio was 13.09% compared to the minimum 9.00% and 12.00% capital ratios required by the Consent Order. For the fourth consecutive quarter, we have achieved and maintained the total risk-based capital ratio but have yet to achieve the Tier 1 capital ratio.  We are continuing to explore our strategic alternatives to achieve and maintain the Tier 1 capital ratio as well as to comply with all of the other terms of the consent order.
	The Bank is currently designated as a "troubled institution” which status prohibits the Bank from accepting, renewing or rolling over brokered deposits and restricts the amount of interest the Bank may pay on deposits.
	Bank regulatory agencies have discretion when an institution does not meet the terms of a regulatory order.  The agencies may initiate changes in management, issue mandatory directives, impose monetary penalties or refrain from formal sanctions, depending on individual circumstances. Any material failures to comply with our regulatory orders would likely result in more stringent enforcement actions by the bank regulatory agencies, which could damage our reputation and have a material adverse effect on our business.
	The Consent Order and the formal agreement will remain in effect until modified or terminated by the FDIC, KDFI and Federal Reserve Bank of St. Louis.
	Management and the Board of Directors have been actively engaged with our investment banking firm in reviewing all of the strategic alternatives. One of these alternatives was to sell branches that were located outside of our core market. On July 6, 2012, we sold our four banking centers in Southern Indiana, receiving a 3.65% premium on the $102.3 million of consumer and commercial deposits at closing. The buyer assumed a total of approximately $115.4 million in non-brokered deposits, which included $13.1 million of government, corporate, other financial institution and municipal deposits for which we received no premium or discount. We also sold approximately $30.4 million in performing loans at a discount of 0.80%. Other assets sold included vault cash of $367,000 and fixed assets of $887,000. The Indiana branch sale resulted in a gain of $3.1 million.
	Our plans for the remainder of 2013 include the following:
		·	Continuing to identify and evaluate available strategic options to meet regulatory capital levels and all other requirements of our Consent Order.
		·	Continuing to serve our community banking customers and operate the Corporation and the Bank in a safe and sound manner. We have worked diligently to maintain the strength of our retail and deposit franchise.
		·	Continuing to reduce expenses and improve our ability to operate in a profitable manner.
		·	Continuing to reduce our lending concentration in commercial real estate through expected maturities and repayments.
		·	Enhancing our resources dedicated to special asset dispositions, both on a permanent and temporary basis, to accelerate our efforts to dispose of problem assets.
		·	Continuing to reduce  our inventory of other real estate owned properties.

SECURITIES

SECURITIES	9 Months Ended
	Sep. 30, 2013
Investments, Debt and Equity Securities [Abstract]	'
Investment [Text Block]	'
	3	SECURITIES
	The amortized cost basis and fair values of securities are as follows:
					Gross		Gross
	(Dollars in thousands)		Amortized		Unrealized		Unrealized
			Cost		Gains		Losses		Fair Value
	Securities available-for-sale:
	September 30, 2013:
	Government-sponsored		$	119,475	$	35	$	-4,960	$	114,550
	mortgage-backed residential
	Government-sponsored			78,732		300		-1,290		77,742
	collateralized mortgage obligations
	Asset backed-collateralized loan obligations			33,102		-		-446		32,656
	State and municipal			12,257		423		-14		12,666
	Corporate bonds			52,794		222		-447		52,569
	Total		$	296,360	$	980	$	-7,157	$	290,183
	December 31, 2012:
	U.S. Treasury and agencies		$	8,284	$	7	$	-13	$	8,278
	Government-sponsored			144,617		774		-502		144,889
	mortgage-backed residential
	Government-sponsored			148,460		2,033		-346		150,147
	collateralized mortgage obligations
	Private asset backed			4,981		151		-		5,132
	State and municipal			11,394		1,324		-		12,718
	Corporate bonds			32,567		433		-33		32,967
	Total		$	350,303	$	4,722	$	-894	$	354,131
	The amortized cost and fair value of securities at September 30, 2013, by contractual maturity, are shown below. Securities not due at a single maturity date, primarily mortgage-backed securities, are shown separately.
			Available for Sale
			Amortized		Fair
	(Dollars in thousands)		Cost		Value
	Due in one year or less		$	3,064	$	3,068
	Due after one year through five years			49,485		49,406
	Due after five years through ten years			4,751		4,624
	Due after ten years			7,751		8,137
	Investment securities with no single
	maturity date:
	Government-sponsored mortgage-backed			119,475		114,550
	residential
	Government-sponsored collateralized			78,732		77,742
	mortgage obligations
	Asset backed-collateralized loan			33,102		32,656
	obligations
			$	296,360	$	290,183
	The following schedule shows the proceeds from sales of available-for-sale securities and the gross realized gains and losses on those sales:
			Three Months Ended				Nine Months Ended
			September 30,				September 30,
			2013		2012		2013		2012
	(Dollars in thousands)
	Proceeds from sales		$	24,295	$	127,569	$	125,351	$	214,830
	Gross realized gains			235		2,054		1,078		3,363
	Gross realized losses			223		350		839		653
	Investment securities pledged to secure public deposits and Federal Home Loan Bank (FHLB) advances had an amortized cost of $145.3 million and fair value of $142.6 million at September 30, 2013 and a $130.4 million amortized cost and fair value of $132.3 million at December 31, 2012.
	Securities with unrealized losses at September 30, 2013 and December 31, 2012 aggregated by major security type and length of time in a continuous unrealized loss position are as follows:
	30-Sep-13		Less than 12 Months				12 Months or More				Total
			Fair		Unrealized		Fair		Unrealized		Fair		Unrealized
	Description of Securities		Value		Loss		Value		Loss		Value		Loss
	Government-sponsored		$	103,205	$	-4,608	$	8,658	$	-352	$	111,863	$	-4,960
	mortgage-backed residential
	Government-sponsored collateralized			40,463		-1,013		6,739		-277		47,202		-1,290
	mortgage obligations
	Asset backed-collateralized loan obligations			32,656		-446		-		-		32,656		-446
	State and municipal			3,614		-14		-		-		3,614		-14
	Corporate bonds			24,769		-447		-		-		24,769		-447
	Total temporarily impaired		$	204,707	$	-6,528	$	15,397	$	-629	$	220,104	$	-7,157
31-Dec-12		Less than 12 Months				12 Months or More				Total
		Fair		Unrealized		Fair		Unrealized		Fair		Unrealized
Description of Securities		Value		Loss		Value		Loss		Value		Loss
U.S. Treasury and agencies		$	3,255	$	-13	$	-	$	-	$	3,255	$	-13
Government-sponsored			82,137		-502		-		-		82,137		-502
mortgage-backed residential
Government-sponsored collateralized			33,275		-346		-		-		33,275		-346
mortgage obligations
Corporate bonds			5,731		-33		-		-		5,731		-33
Total temporarily impaired		$	124,398	$	-894	$	-	$	-	$	124,398	$	-894
We evaluate investment securities with significant declines in fair value on at least a quarterly basis, and more frequently when economic or market concerns warrant such evaluation, to determine whether they should be considered other-than-temporarily impaired under current accounting guidance, which generally provides that if a security is in an unrealized loss position, whether due to general market conditions or industry or issuer-specific factors, the holder of the securities must assess whether the impairment is other-than-temporary.
In conducting this assessment, the Bank evaluates a number of factors including, but not limited to:
·     The length of time and the extent to which fair value has been less than the amortized cost basis;
·     The Bank’s intent to hold until maturity or sell the debt security prior to maturity;
·     An analysis of whether it is more likely than not that the Bank will be required to sell the debt security before its anticipated recovery;
·     Adverse conditions specifically related to the security, an industry, or a geographic area;
·     The historical and implied volatility of the fair value of the security;
⋅     The payment structure of the security and the likelihood of the issuer being able to make payments;
⋅     Failure of the issuer to make scheduled interest or principal payments;
⋅     Any rating changes by a rating agency; and
⋅     Recoveries or additional decline in fair value subsequent to the balance sheet date.
Accounting guidance requires entities to split other than temporary impairment charges between credit losses (i.e., the loss based on the entity’s estimate of the decrease in cash flows, including those that result from expected voluntary prepayments), which are charged to earnings, and the remainder of the impairment charge (non-credit component) to accumulated other comprehensive income. This requirement pertains to both debt securities held to maturity and debt securities available for sale.
The unrealized losses on our investment securities were a result of changes in interest rates for fixed-rate securities where the interest rate received is less than the current rate available for new offerings of similar securities. Mortgage backed securities held in our investment portfolio were issued by U.S. government-sponsored entities and agencies, primarily Freddie Mac (“FHLMC”) and Fannie Mae (“FNMA”), institutions that the government has affirmed its commitment to support. Because the decline in market value on our investment securities is attributable to changes in interest rates and not credit quality, and because we do not intend to sell and it is more likely than not that we will not be required to sell these investments until recovery of fair value, which may be maturity, we do not consider these investments to be other-than-temporarily impaired at September 30, 2013.
We recognized other-than-temporary impairment charges of $26,000 for the expected credit loss during the 2012 period. The 2012 impairment charge was related to Preferred Term Security VI which was called for early redemption in July 2012.
The table below presents a roll-forward of the credit losses recognized in earnings. During 2012, all of our trust preferred securities were either called or sold which represented the remaining balance in the OTTI roll-forward.
(Dollars in thousands)		Three Months Ended		Nine Months Ended
		September 30,		September 30,
			2012		2012
Beginning balance		$	2,104	$	2,078
Increases to the amount related to the credit loss for which			-		26
other-than-temporary impairment was previously recognized
Sales/call of securities			-628		-628
Ending balance		$	1,476	$	1,476

LOANS

LOANS	9 Months Ended
	Sep. 30, 2013
Receivables [Abstract]	'
Loans, Notes, Trade and Other Receivables Disclosure [Text Block]	'
	4	LOANS
	Loans are summarized as follows:
			September 30,			December 31,
	(Dollars in thousands)		2013			2012
	Commercial Real Estate (CRE):
	Other-CRE other than Land
	Development and Building Lots		$	263,509		$	290,424
	Land Development			22,395			28,310
	Building Lots			1,599			2,151
	Residential mortgage			101,281			110,025
	Consumer and home equity			53,988			57,888
	Commercial			20,394			19,931
	Indirect consumer			12,938			16,211
				476,104			524,940
	Less:
	Net deferred loan origination fees			-73			-105
	Allowance for loan losses			-12,224			-17,265
				-12,297			-17,370
	Net Loans		$	463,807		$	507,570
	The following tables present the activity in the allowance for loan losses by portfolio segment for the quarter and nine months ending September 30, 2013 and 2012:
	Three Months Ended
	30-Sep-13					Commercial			Residential			Consumer &			Indirect
			Commercial			Real Estate			Mortgage			Home Equity			Consumer			Total
	(Dollars in thousands)
	Allowance for loan losses:
	Beginning Balance		$	908		$	14,054		$	375		$	396		$	214		$	15,947
	Provision for loan losses			177			-790			49			67			-3			-500
	Charge-offs			-48			-3,076			-73			-111			-45			-3,353
	Recoveries			10			63			13			8			36			130
	Total ending allowance balance		$	1,047		$	10,251		$	364		$	360		$	202		$	12,224
	Nine Months Ended
	30-Sep-13					Commercial			Residential			Consumer &			Indirect
			Commercial			Real Estate			Mortgage			Home Equity			Consumer			Total
	(Dollars in thousands)
	Allowance for loan losses:
	Beginning Balance		$	1,236		$	14,815		$	501		$	442		$	271		$	17,265
	Provision for loan losses			-95			-1,175			-81			90			-64			-1,325
	Charge-offs			-142			-3,528			-73			-209			-102			-4,054
	Recoveries			48			139			17			37			97			338
	Total ending allowance balance		$	1,047		$	10,251		$	364		$	360		$	202		$	12,224
	Three Months Ended
	30-Sep-12					Commercial			Residential			Consumer &			Indirect
			Commercial			Real Estate			Mortgage			Home Equity			Consumer			Total
	(Dollars in thousands)
	Allowance for loan losses:
	Beginning Balance		$	1,483		$	12,169		$	803		$	525		$	320		$	15,300
	Provision for loan losses			-156			2,831			16			37			-57			2,671
	Change in allowance associated with probable
	branch divestitures			18			212			-30			1			-			201
	Charge-offs			-126			-234			-			-53			-58			-471
	Recoveries			13			51			-			-39			98			123
	Total ending allowance balance		$	1,232		$	15,029		$	789		$	471		$	303		$	17,824
	Nine Months Ended
	30-Sep-12					Commercial			Residential			Consumer &			Indirect
			Commercial			Real Estate			Mortgage			Home Equity			Consumer			Total
	(Dollars in thousands)
	Allowance for loan losses:
	Beginning Balance		$	1,422		$	13,830		$	922		$	610		$	397		$	17,181
	Provision for loan losses			66			4,504			-36			135			-71			4,598
	Change in allowance associated with probable
	branch divestitures			-7			-369			-36			-56			-			-468
	Charge-offs			-313			-3,038			-62			-229			-157			-3,799
	Recoveries			64			102			1			11			134			312
Total ending allowance balance		$	1,232		$	15,029		$	789		$	471		$	303		$	17,824
We did not implement any changes to our allowance related accounting policies or methodology during the current period.
The following table presents the balance in the allowance for loan losses and the recorded investment in loans by portfolio segment and based on the impairment method as of September 30, 2013 and 2012 and December 31, 2012:
September 30, 2013					Commercial			Residential			Consumer &			Indirect
		Commercial			Real Estate			Mortgage			Home Equity			Consumer			Total
(Dollars in thousands)
Allowance for loan losses:
Ending allowance balance attributable to loans:
Individually evaluated for impairment		$	197		$	3,550		$	68		$	51		$	-		$	3,866
Collectively evaluated for impairment			850			6,701			296			309			202			8,358
Total ending allowance balance		$	1,047		$	10,251		$	364		$	360		$	202		$	12,224
Loans:
Loans individually evaluated for impairment		$	1,353		$	40,629		$	3,015		$	620		$	-		$	45,617
Loans collectively evaluated for impairment			19,041			246,874			98,266			53,368			12,938			430,487
Total ending loans balance		$	20,394		$	287,503		$	101,281		$	53,988		$	12,938		$	476,104
31-Dec-12					Commercial			Residential			Consumer &			Indirect
		Commercial			Real Estate			Mortgage			Home Equity			Consumer			Total
(Dollars in thousands)
Allowance for loan losses:
Ending allowance balance attributable to loans:
Individually evaluated for impairment		$	252		$	7,593		$	86		$	51		$	-		$	7,982
Collectively evaluated for impairment			984			7,222			415			391			271			9,283
Total ending allowance balance		$	1,236		$	14,815		$	501		$	442		$	271		$	17,265
Loans:
Loans individually evaluated for impairment		$	1,071		$	43,513		$	213		$	188		$	-		$	44,985
Loans collectively evaluated for impairment			18,860			277,372			109,812			57,700			16,211			479,955
Total ending loans balance		$	19,931		$	320,885		$	110,025		$	57,888		$	16,211		$	524,940
30-Sep-12					Commercial			Residential			Consumer &			Indirect
		Commercial			Real Estate			Mortgage			Home Equity			Consumer			Total
(Dollars in thousands)
Allowance for loan losses:
Ending allowance balance attributable to loans:
Individually evaluated for impairment		$	229		$	8,000		$	378		$	95		$	7		$	8,709
Collectively evaluated for impairment			1,003			7,029			411			376			296			9,115
Loans held for sale			-			-			-			-			-			-
Total ending allowance balance		$	1,232		$	15,029		$	789		$	471		$	303		$	17,824
Loans:
Loans individually evaluated for impairment		$	1,029		$	57,655		$	1,093		$	255		$	57		$	60,089
Loans collectively evaluated for impairment			20,070			303,891			112,800			58,117			18,423			513,301
Loans held for sale			-775			-36,878			-3,583			-5,616			-			-46,852
Total ending loans balance		$	20,324		$	324,668		$	110,310		$	52,756		$	18,480		$	526,538
The following tables’ present loans individually evaluated for impairment by class of loans as of September 30, 2013 and 2012 and December 31, 2012. The difference between the unpaid principal balance and recorded investment represents partial write downs/charge offs taken on individual impaired credits. The recorded investment and average recorded investment in loans exclude accrued interest receivable and loan origination fees.
											Three Months Ended								Nine Months Ended
											September 30, 2013								September 30, 2013
30-Sep-13		Unpaid						Allowance for			Average			Interest			Cash Basis		Average			Interest		Interest
		Principal			Recorded			Loan Losses			Recorded			Income			Interest		Recorded			Income		Income
(Dollars in thousands)		Balance			Investment			Allocated			Investment			Recognized			Recognized		Investment			Recognized		Recognized
With no related allowance recorded:
Commercial		$	1,177		$	973		$	-		$	1,001		$	9		$	9	$	815	$	18	$	18
Commercial Real Estate:
Land Development			2,220			2,195			-			2,253			27			27		3,125		114		114
Building Lots			477			212			-			212			-			-		212		-		-
Other			25,475			20,048			-			14,964			161			161		14,042		444		444
Residential Mortgage			2,525			2,525			-			2,733			21			21		2,212		45		45
Consumer and Home Equity			357			357			-			376			3			3		293		6		6
Indirect Consumer			-			-			-			-			-			-		-		-		-
With an allowance recorded:
Commercial			380			380			197			283			2			2		310		7		7
Commercial Real Estate:
Land Development			2,206			2,206			1,015			2,568			31			31		2,621		95		95
Building Lots			-			-			-			-			-			-		-		-		-
Other			15,970			15,968			2,535			18,183			195			195		18,980		599		599
Residential Mortgage			514			490			68			484			4			4		375		8		8
Consumer and Home Equity			281			263			51			266			2			2		269		6		6
Indirect Consumer			-			-			-			-			-			-		-		-		-
Total		$	51,582		$	45,617		$	3,866		$	43,323		$	455		$	455	$	43,254	$	1,342	$	1,342
31-Dec-12		Unpaid						Allowance for			Average			Interest			Cash Basis
		Principal			Recorded			Loan Losses			Recorded			Income			Interest
(Dollars in thousands)		Balance			Investment			Allocated			Investment			Recognized			Recognized
With no related allowance recorded:
Commercial		$	588		$	588		$	-		$	1,070		$	39		$	39
Commercial Real Estate:
Land Development			5,595			4,873			-			5,728			237			237
Building Lots			477			212			-			810			14			14
Other			22,121			16,500			-			25,051			961			961
Residential Mortgage			-			-			-			-			-			-
Consumer and Home Equity			-			-			-			-			-			-
Indirect Consumer			-			-			-			-			-			-
With an allowance recorded:
Commercial			483			483			252			564			21			21
Commercial Real Estate:
Land Development			2,674			2,674			899			2,436			101			101
Building Lots			-			-			-			191			3			3
Other			19,254			19,254			6,694			20,075			772			772
Residential Mortgage			213			213			86			1,191			24			24
Consumer and Home Equity			188			188			51			260			6			6
Indirect Consumer			-			-			-			54			1			1
Total		$	51,593		$	44,985		$	7,982		$	57,430		$	2,179		$	2,179
											Three Months Ended								Nine Months Ended
															September 30, 2012							September 30, 2012
30-Sep-12		Unpaid						Allowance for			Average			Interest			Cash Basis		Average		Interest		Cash Basis
		Principal			Recorded			Loan Losses			Recorded			Income			Interest		Recorded		Income		Interest
(Dollars in thousands)		Balance			Investment			Allocated			Investment			Recognized			Recognized		Investment		Recognized		Recognized
With no related allowance recorded:
Commercial		$	844		$	722		$	-		$	857		$	6		$	6	$	1,191	$	34	$	34
Commercial Real Estate:
Land Development			8,780			6,290			-			6,031			71			71		5,941		177		177
Building Lots			1,036			683			-			857			7			7		959		13		13
Other			18,577			15,911			-			22,319			222			222		27,189		781		781
Residential Mortgage			-			-			-			-			-			-		-		-		-
Consumer and Home Equity			-			-			-			-			-			-		-		-		-
Indirect Consumer			-			-			-			-			-			-		-		-		-
With an allowance recorded:
Commercial			307			307			229			356			3			3		584		17		17
Commercial Real Estate:
Land Development			1,950			1,950			316			1,345			16			16		2,377		71		71
Building Lots			-			-			-			-			-			-		238		3		3
Other			34,027			32,821			7,684			26,524			264			264		20,281		583		583
Residential Mortgage			1,119			1,093			378			1,096			5			5		1,436		29		29
Consumer and Home Equity			255			255			95			279			1			1		278		4		4
Indirect Consumer			57			57			7			48			-			-		68		1		1
Total		$	66,952		$	60,089		$	8,709		$	59,712		$	595		$	595	$	60,542	$	1,713	$	1,713
The following tables present the recorded investment in restructured, non-accrual and loans past due over 90 days still on accrual by class of loans as of September 30, 2013 and December 31, 2012.
								Restructured
								Loans Past Due			Loans Past Due
30-Sep-13								Over 90 Days			Over 90 Days			Non-Accrual
		Restructured on			Restructured on			Still			Still			Excluding
(Dollars in thousands)		Non-Accrual Status			Accrual Status			Accruing			Accruing			Restructured
Commercial		$	-		$	183		$	-		$	-		$	434
Commercial Real Estate:
Land Development			-			1,892			-			-			302
Building Lots			-			-			-			-			212
Other			7,819			17,223			4,837			2,238			4,115
Residential Mortgage			108			192			-			-			1,162
Consumer and Home Equity			-			97			-			-			262
Indirect Consumer			-			-			-			-			24
Total		$	7,927		$	19,587		$	4,837		$	2,238		$	6,511
								Restructured
								Loans Past Due			Loans Past Due
31-Dec-12								Over 90 Days			Over 90 Days			Non-Accrual
		Restructured on			Restructured on			Still			Still			Excluding
(Dollars in thousands)		Non-Accrual Status			Accrual Status			Accruing			Accruing			Restructured
Commercial		$	31		$	221		$	-		$	-		$	562
Commercial Real Estate:
Land Development			675			3,053			-			-			695
Building Lots			-			170			-			-			212
Other			9,047			19,080			-			-			9,356
Residential Mortgage			-			303			-			-			827
Consumer and Home Equity			-			24			-			-			37
Indirect Consumer			-			-			-			-			13
Total		$	9,753		$	22,851		$	-		$	-		$	11,702
The following table presents the aging of the recorded investment in past due loans as of September 30, 2013 and December 31, 2012 by class of loans:
30-Sep-13		30-59			60-89			Greater than
		Days			Days			90 Days			Total			Loans Not
(Dollars in thousands)		Past Due			Past Due			Past Due			Past Due			Past Due			Total
Commercial		$	-		$	-		$	434		$	434		$	19,960		$	20,394
Commercial Real Estate:
Land Development			2,206			-			302			2,508			19,887			22,395
Building Lots			-			-			212			212			1,387			1,599
Other			3,861			23			19,009			22,893			240,616			263,509
Residential Mortgage			279			923			1,270			2,472			98,809			101,281
Consumer and Home Equity			324			28			262			614			53,374			53,988
Indirect Consumer			141			30			24			195			12,743			12,938
Total		$	6,811		$	1,004		$	21,513		$	29,328		$	446,776		$	476,104
31-Dec-12		30-59			60-89			Greater than
		Days			Days			90 Days			Total			Loans Not
(Dollars in thousands)		Past Due			Past Due			Past Due			Past Due			Past Due			Total
Commercial		$	-		$	95		$	562		$	657		$	19,274		$	19,931
Commercial Real Estate:
Land Development			361			-			1,228			1,589			26,721			28,310
Building Lots			-			-			212			212			1,939			2,151
Other			1,264			1,239			13,449			15,952			274,472			290,424
Residential Mortgage			3,588			995			827			5,410			104,615			110,025
Consumer and Home Equity			351			255			45			651			57,237			57,888
Indirect Consumer			246			130			13			389			15,822			16,211
Total		$	5,810		$	2,714		$	16,336		$	24,860		$	500,080		$	524,940
Troubled Debt Restructurings (TDR):
We have allocated $1.5 million and $3.1 million of specific reserves to customers whose loan terms have been modified in troubled debt restructurings as of September 30, 2013 and December 31, 2012. We are not committed to lend additional funds to debtors whose loans have been modified in a troubled debt restructuring. Specific reserves are generally assessed prior to loans being modified as a TDR, as most of these loans migrate from our internal watch list and have been specifically reserved for as part of our normal reserving methodology.
During the quarter and nine month periods ending September 30, 2013 and September 30, 2012, the terms of certain loans were modified as troubled debt restructurings. The modification of the terms of such loans included one or a combination of the following: a reduction of the stated interest rate of the loan; an extension of the maturity date at a stated rate of interest lower than the current market rate for new debt with similar risk; or a permanent reduction of the recorded investment in the loan.
Modifications involving a reduction of the stated interest rate of the loan were for periods ranging from six months to one year. Modifications involving an extension of the maturity date were for periods ranging from three to six months.
The following tables present loans by class modified as troubled debt restructurings that occurred during the periods ending September 30, 2013 and 2012:
		Three Months Ended								Three Months Ended
		September 30, 2013								September 30, 2012
				Pre-Modification			Post-Modification					Pre-Modification			Post-Modification
				Outstanding			Outstanding					Outstanding			Outstanding
		Number		Recorded			Recorded			Number		Recorded			Recorded
(Dollars in thousands)		of Loans		Investment			Investment			of Loans		Investment			Investment
Troubled Debt Restructurings:
Commercial		-		$	-		$	-		-		$	-		$	-
Commercial Real Estate:
Land Development		-			-			-		-			-			-
Building Lots		-			-			-		-			-			-
Other		-			-			-		1			58			58
Residential Mortgage		-			-			-		-			-			-
Consumer and Home Equity		-			-			-		-			-			-
Indirect Consumer		-			-			-		-			-			-
Total		-		$	-		$	-		1		$	58		$	58
		Nine Months Ended								Nine Months Ended
		30-Sep-13								30-Sep-12
				Pre-Modification			Post-Modification					Pre-Modification			Post-Modification
				Outstanding			Outstanding					Outstanding			Outstanding
		Number		Recorded			Recorded			Number		Recorded			Recorded
(Dollars in thousands)		of Loans		Investment			Investment			of Loans		Investment			Investment
Troubled Debt Restructurings:
Commercial		-		$	-		$	-		1		$	1,094		$	1,094
Commercial Real Estate:
Land Development		-			-			-		3			4,143			4,002
Building Lots		-			-			-		2			370			370
Other		5			3,512			3,512		6			1,175			1,175
Residential Mortgage		-			-			-		-			-			-
Consumer and Home Equity		2			74			74		-			-			-
Indirect Consumer		-			-			-		-			-			-
Total		7		$	3,586		$	3,586		12		$	6,782		$	6,641
The troubled debt restructurings described above increased the allowance for loan losses allocated to troubled debt restructurings by $242,000 and $78,000 for the three and nine months ended September 30, 2013. The troubled debt restructurings described above decreased the allowance for loan losses allocated to troubled debt restructurings by $7,000 and $6,000 for the three and nine months ended September 30, 2012 primarily due to loan pay downs. Typically, these loans had allocated allowance prior to their formal modification. The troubled debt restructurings described above resulted in charge-offs of $0 and $141,000 for the three and nine month periods ended September 30, 2012. There were no charge-offs recorded on the troubled debt restructurings described above for the 2013 periods.
The following tables present loans by class modified as troubled debt restructurings for which there was a payment default within twelve months following the modification during the periods ending September 30, 2013 and 2012:
		Three Months Ended					Three Months Ended
		30-Sep-13					30-Sep-12
		Number		Recorded			Number		Recorded
(Dollars in thousands)		of Loans		Investment			of Loans		Investment
Troubled Debt Restructurings:
Commercial		-		$	-		-		$	-
Commercial Real Estate:
Land Development		-			-		-			-
Building Lots		-			-		-			-
Other		-			-		-			-
Real Estate Construction		-			-		-			-
Residential Mortgage		-			-		-			-
Consumer and Home Equity		-			-		-			-
Indirect Consumer		-			-		-			-
Total		-		$	-		-		$	-
		Nine Months Ended					Nine Months Ended
		30-Sep-13					30-Sep-12
		Number		Recorded			Number		Recorded
(Dollars in thousands)		of Loans		Investment			of Loans		Investment
Troubled Debt Restructurings:
Commercial		-		$	-		-		$	-
Commercial Real Estate:
Land Development		-			-		2			3,278
Building Lots		-			-		-			-
Other		-			-		1			10,068
Real Estate Construction		-			-		-			-
Residential Mortgage		-			-		-			-
Consumer and Home Equity		-			-		-			-
Indirect Consumer		-			-		-			-
Total		-		$	-		3		$	13,346
For disclosure purposes, a loan is considered to be in payment default once it is 90 days contractually past due under the modified terms. The troubled debt restructurings that subsequently defaulted described above increased the allowance for loan losses by $1.8 million and $1.7 million for the three and nine months ended September 30, 2012. The troubled debt restructurings described above resulted in charge-offs of $141,000 for the three and nine month periods ended September 30, 2012.
Credit Quality Indicators:
We categorize loans into risk categories based on relevant information about the ability of borrowers to service their debt such as: current financial information, historical payment experience, credit documentation, public information, and current economic trends, among other factors. We analyze loans individually by classifying the loans as to credit risk. This analysis includes commercial and commercial real estate loans. We also evaluate credit quality on residential mortgage, consumer and home equity and indirect consumer loans based on the aging status and payment activity of the loan. This analysis is performed on a monthly basis. We use the following definitions for risk ratings:
Criticized: Loans classified as criticized have a potential weakness that deserves management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the loan or in our credit position at some future date.
Substandard: Loans classified as substandard are inadequately protected by the current net worth and paying capacity of the obligor or of the collateral pledged, if any. Loans so classified have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that the institution will sustain some loss if the deficiencies are not corrected.
Doubtful: Loans classified as doubtful have all the weaknesses inherent in those classified as substandard, with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions, and values, highly questionable and improbable.
Loss: Loans classified as loss are considered non-collectible and their continuance as bankable assets is not warranted.
Loans not meeting the criteria above that are analyzed individually as part of the above described process are considered to be pass rated loans. Loans listed as not rated are included in groups of homogeneous loans. For our residential mortgage, consumer and home equity, and indirect consumer homogeneous loans, we also evaluate credit quality based on the aging status of the loan, which was previously presented, and by payment activity.
As of September 30, 2013and December 31, 2012, and based on the most recent analysis performed, the risk category of loans by class of loans is as follows:
30-Sep-13
(Dollars in thousands)		Not Rated			Pass			Criticized			Substandard			Doubtful			Loss		Total
Commercial		$	-		$	19,041		$	-		$	1,353		$	-		$	-	$	20,394
Commercial Real Estate:
Land Development			-			14,706			3,288			4,401			-			-		22,395
Building Lots			-			931			456			212			-			-		1,599
Other			-			209,660			17,793			36,056			-			-		263,509
Residential Mortgage			97,421			-			845			3,015			-			-		101,281
Consumer and Home Equity			53,192			-			73			723			-			-		53,988
Indirect Consumer			12,899			-			1			38			-			-		12,938
Total		$	163,512		$	244,338		$	22,456		$	45,798		$	-		$	-	$	476,104
31-Dec-12
(Dollars in thousands)		Not Rated			Pass			Criticized			Substandard			Doubtful			Loss		Total
Commercial		$	-		$	16,736		$	2,000		$	1,195		$	-		$	-	$	19,931
Commercial Real Estate:
Land Development			-			17,744			3,059			7,507			-			-		28,310
Building Lots			-			1,447			492			212			-			-		2,151
Other			-			235,954			18,297			36,173			-			-		290,424
Residential Mortgage			105,148			-			442			4,435			-			-		110,025
Consumer and Home Equity			56,593			-			569			726			-			-		57,888
Indirect Consumer			16,129			-			10			72			-			-		16,211
Total		$	177,870		$	271,881		$	24,869		$	50,320		$	-		$	-	$	524,940
The following table presents the unpaid principal balance in residential mortgage, consumer and home equity and indirect consumer loans based on payment activity as of September 30, 2013 and December 31, 2012:
30-Sep-13		Residential			Consumer &			Indirect
(Dollars in thousands)		Mortgage			Home Equity			Consumer
Performing		$	100,011		$	53,726		$	12,914
Restructured on non-accrual			108			-			-
Non-accrual			1,162			262			24
Total		$	101,281		$	53,988		$	12,938
31-Dec-12		Residential			Consumer &			Indirect
(Dollars in thousands)		Mortgage			Home Equity			Consumer
Performing		$	109,198		$	57,851		$	16,198
Restructured on non-accrual			-			-			-
Non-accrual			827			37			13
Total		$	110,025		$	57,888		$	16,211

REAL_ESTATE_ACQUIRED_THROUGH_F

REAL ESTATE ACQUIRED THROUGH FORECLOSURE	9 Months Ended
	Sep. 30, 2013
Real Estate [Abstract]	'
Real Estate Disclosure [Text Block]	'
	5	REAL ESTATE ACQUIRED THROUGH FORECLOSURE
	A summary of the real estate acquired through foreclosure activity is as follows:
			September 30,		December 31,
	(Dollars in thousands)		2013		2012
	Beginning balance, January 1,		$	22,286	$	29,083
	Additions			2,262		18,100
	Net proceeds from sale of properties			-13,883		-19,250
	Writedowns			-1,585		-5,147
	Change in valuation allowance			-221		-500
	Ending balance		$	8,859	$	22,286
	A summary of the real estate acquired through foreclosure valuation allowance activity is as follows:
			Three Months Ended				Nine Months Ended
			September 30,				September 30,
			2013		2012		2013		2012
	(Dollars in thousands)
	Beginning balance		$	721	$	-	$	500	$	-
	Provision			365		-		1,957		-
	Writedowns and loss on sale			-365		-		-1,736		-
	Ending balance		$	721	$	-	$	721	$	-
	Real estate acquired through foreclosure expense which consists primarily of property management expenses was $452,000 and $638,000 for the three months ended September 30, 2013 and 2012, and $1.3 million and $3.3 million for the nine months ended September 30, 2013 and 2012, respectively.

INCOME_TAXES

INCOME TAXES	9 Months Ended
	Sep. 30, 2013
Income Tax Disclosure [Abstract]	'
Income Tax Disclosure [Text Block]	'
	6	INCOME TAXES
	A full valuation allowance related to deferred tax assets is required when it is considered more likely than not that all or part of the benefit related to such assets will not be realized. In assessing the need for a full valuation allowance, we considered various factors including our four year cumulative loss position, the level of our non-performing assets, our inability to meet our forecasted levels of assets and operating results in 2013, 2012 and 2011 and our non-compliance with the capital requirements of our Consent Order. Based on this assessment, we concluded that a valuation allowance was necessary at September 30, 2013 and December 31, 2012.

EARNINGS_LOSS_PER_SHARE

EARNINGS (LOSS) PER SHARE	9 Months Ended
	Sep. 30, 2013
Earnings Per Share [Abstract]	'
Earnings Per Share [Text Block]	'
	7	EARNINGS (LOSS) PER SHARE
	The reconciliation of the numerators and denominators of the basic and diluted EPS is as follows:
			Three Months Ended				Nine Months Ended
	(Amounts in thousands,		September 30,				September 30,
	except per share data)		2013		2012		2013		2012
	Basic:
	Net income/(loss)		$	1,467	$	-751	$	463	$	-5,180
	Less:
	Preferred stock dividends			-250		-250		-750		-750
	Accretion on preferred stock discount			-14		-14		-41		-41
	Net income (loss) available to common shareholders		$	1,203	$	-1,015	$	-328	$	-5,971
	Weighted average common shares			4,860		4,773		4,816		4,767
	Diluted:
	Weighted average common shares			4,860		4,773		4,816		4,767
	Dilutive effect of stock options and warrants			45		-		-		-
	Weighted average common and incremental shares			4,905		4,773		4,816		4,767
	Earnings (Loss) Per Common Share:
	Basic		$	0.25	$	-0.21	$	-0.07	$	-1.25
	Diluted		$	0.25	$	-0.21	$	-0.07	$	-1.25
	Since the Corporation is reporting a net loss available to common shareholders for the nine month 2013 period and the 2012 periods, no stock options or warrants were evaluated for dilutive purposes. Stock options for 238,000 shares of common stock were not included in the three month September 30, 2013 computation of diluted earnings per share because their impact was anti-dilutive. The common stock warrant for 215,983 shares was not included in the three month September 30, 2013 computation of diluted earnings per share because its impact was also anti-dilutive.

STOCK_BASED_COMPENSATION_PLAN

STOCK BASED COMPENSATION PLAN	9 Months Ended
	Sep. 30, 2013
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]	'
Disclosure of Compensation Related Costs, Share-based Payments [Text Block]	'
	8	STOCK BASED COMPENSATION PLAN
	Our 2006 Stock Option and Incentive Compensation Plan, which is stockholder approved, authorizes us to grant restricted stock and incentive or non-qualified stock options to key employees and directors for a total of 763,935 shares of our common stock. We believe that the ability to award stock options and other forms of stock-based incentive compensation can assist us in attracting and retaining key employees. Stock-based incentive compensation is also a means to align the interests of key employees with those of our stockholders by providing awards intended to reward recipients for our long-term growth. Options to purchase shares generally vest over periods of one to five years and expire ten years after the date of grant. We issue new shares of common stock upon the exercise of stock options. If options or awards granted under the 2006 Plan expire or terminate for any reason without having been exercised in full or released from restriction, the corresponding shares shall again be available for option or award for the purposes of the Plan. At September 30, 2013, options and restricted stock available for future grant under the 2006 Plan totaled 157,630.
	Stock Options – The fair value of each option award is estimated on the date of grant using the Black-Scholes option valuation model that uses various weighted-average assumptions. The risk-free interest rate is based on the U.S. Treasury yield curve in effect at the time of grant. The expected volatility is based on the fluctuation in the price of a share of stock over the period for which the option is being valued and the expected life of the options granted represents the period of time the options are expected to be outstanding.
	The weighted-average assumptions for options granted during the nine months ended September 30, 2013 and the resulting estimated weighted average fair value per share is presented below.
			September 30,
			2013
	Assumptions:
	Risk-free interest rate			2.05	%
	Expected dividend yield			-	%
	Expected life (years)			10
	Expected common stock
	market price volatility			65	%
	Estimated fair value per share		$	1.96
	A summary of option activity under the 2006 Plan for the nine months ended September 30, 2013 is presented below:
								Weighted
						Weighted		Average
			Number			Average		Remaining	Aggregate
			of			Exercise		Contractual	Intrinsic
			Options			Price		Term	Value
									(Dollars In Thousands)
	Outstanding, beginning of period			392,740		$	9.16
	Granted during period			149,000			2.7
	Terminated during period			-132,390			17.95
	Forfeited during period			-11,350			4.18
	Exercised during period			-200			2.05
	Outstanding, end of period			397,800		$	3.96	8.3	$	449
	Eligible for exercise at period end			85,960		$	7.81	6.9	$	55
	The total intrinsic value of options exercised during the nine month 2013 period was $364. The total cash received from options exercised during the nine month 2013 period was $410.  There were 132,390 out of the money options that were settled during the third quarter for $1,300.  There were no options exercised, modified or cash settled during the 2012 period.  There was no tax benefit recognized from the option exercises as they are considered incentive stock options.  Management expects all outstanding unvested options will vest.
	Compensation cost related to options granted under the 2006 Plan that was charged against earnings for the periods ended September 30, 2013 and 2012 was $113,000 and $86,000. As of September 30, 2013 there was $465,000 of total unrecognized compensation cost related to non-vested share-based compensation arrangements granted under the 2006 Plan. That cost is expected to be recognized over a weighted-average period of 3.5 years.
	Restricted Stock – On June 28, 2013, we granted 20,500 shares of restricted common stock at the current market price of $3.39. The restricted stock will vest over a five year period and will become fully vested on June 28, 2018, provided that the recipient has continued to perform substantial services for the Bank through that date. Any dividends declared on the restricted stock prior to vesting will be retained and paid only on the date of vesting. The transfer restrictions will expire upon the occurrence of a change of control event or upon the recipient’s death or disability. On the same date, we entered into an agreement with the recipient of the newly issued restricted stock to terminate 17,250 unvested shares of long-term restricted stock that had been awarded to him on February 7, 2013. Upon the sale of our Senior Preferred Shares by the U.S. Treasury on April 29, 2013 at a discount to face amount, the 17,250 shares had become subject to permanent restrictions on transfer by the holder, who elected to terminate the shares.
	On September 19, 2012 our board of directors adopted the 2012 Non-Employee Director Equity Compensation Program (the “Director Program”). The Director Program enables us to compensate non-employee directors for their service with stock awards. We currently do not pay cash compensation to non-employee directors pursuant to agreements with bank regulatory agencies. The board has reserved 200,000 of the shares authorized for issuance under our shareholder approved 2006 Stock Option and Incentive Compensation Plan for stock awards under the Director Program.
	The Director Program provides that each non-employee director elected or continuing in office on the date of each annual meeting of the Corporation’s shareholders will automatically receive an award of restricted stock on that date having a value of $30,000, based on the closing sale price per share of the Corporation’s common stock on the award date, rounded up to the next whole number. Accordingly, on May 15, 2013, the Company’s eight non-employee directors each received an award of 9,934 restricted shares, or 79,472 shares in total, that vest at the close of business on the day immediately preceding the date of the 2014 annual meeting of the Corporation’s shareholders, provided that the recipient has continued to serve as a member of the Board as of the date of vesting. The recipient may not transfer, pledge or dispose of the restricted stock until the close of business on the day immediately preceding the first anniversary of the award date. The transfer restrictions will also expire upon the occurrence of a Change of Control, as defined in the Plan, or upon the recipient’s death or disability. If a director ceases to serve as a member of the board for any reason, that director will automatically forfeit any unvested shares subject to an award. Any dividends declared on the restricted stock prior to vesting will be retained and paid only on the date the transfer restrictions expire.
	A summary of changes in our non-vested restricted shares for the nine months ended September 30, 2013 is presented below:
						Weighted
						Average
			Non-vested			Grant Date
			Shares			Fair Value
	Outstanding, beginning of period			32,964		$	3.64
	Granted during period			122,972			3.05
	Vested during period			-76,217			3.29
	Terminated during period			-17,250			2.84
	Forfeited during period			-			-
	Outstanding, end of period			62,469		$	3.13
	Compensation cost related to restricted stock granted under the 2006 Plan that was charged against earnings for the periods ended September 30, 2013 and 2012 was $281,000 and $116,000, respectively. As of September 30, 2013 there was $165,000 of total unrecognized compensation cost related to non-vested shares granted under the Plan. That cost is expected to be recognized over the remaining vesting period of 2.4 years.

FAIR_VALUE

FAIR VALUE	9 Months Ended
	Sep. 30, 2013
Fair Value Disclosures [Abstract]	'
Fair Value Disclosures [Text Block]	'
	9.            FAIR VALUE
	U.S. GAAP defines fair value as the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date and establishes a fair value hierarchy that prioritizes the use of inputs used in valuation methodologies into the following three levels:
		Level 1: Quoted prices (unadjusted) for identical assets or liabilities in active markets. A quoted price in an active market provides the most reliable evidence of fair value and shall be used to measure fair value whenever available.
		Level 2: Significant other observable inputs other than Level 1 prices such as quoted prices for similar assets or liabilities; quoted prices in markets that are not active; or other inputs that are observable or can be corroborated by observable market data.
		Level 3:Significant unobservable inputs that reflect a reporting entity’s own assumptions about the assumptions that market participants would use in pricing an asset or liability.
	We used the following methods and significant assumptions to estimate the fair value.
	Available-for-sale securities: For securities where quoted prices are not available, fair values are calculated on market prices of similar securities or determined by a matrix pricing, which is a mathematical technique widely used in the industry to value debt securities without relying exclusively on quoted prices for the specific securities but rather by relying on the securities’ relationship to other benchmark quoted securities (Level 2 inputs).
	Impaired Loans: At the time a loan is considered impaired, it is valued at the lower of cost or fair value. Impaired loans carried at fair value generally receive specific allocations of the allowance for loan losses. For collateral dependent loans, fair value is commonly based on recent real estate appraisals. These appraisals may utilize a single valuation approach or a combination of approaches including comparable sales and the income approach. Adjustments are routinely made in the appraisal process by the independent appraisers to adjust for differences between the comparable sales and income data available. Such adjustments are usually significant and typically result in a Level 3 classification of the inputs for determining fair value. Non-real estate collateral may be valued using an appraisal, net book value per the borrower’s financial statements, or aging reports, adjusted or discounted based on management’s historical knowledge, changes in market conditions from the time of the valuation, and management’s expertise and knowledge of the client and client’s business, resulting in a Level 3 fair value classification. Once a loan is considered impaired, it is evaluated by a member of the Credit Department on at least a quarterly basis for additional impairment and adjusted accordingly.
	Other Real Estate Owned: Assets acquired through or instead of loan foreclosure are initially recorded at fair value less costs to sell when acquired, establishing a new cost basis. These assets are subsequently accounted for at lower of cost or fair value less estimated costs to sell. Fair value is commonly based on recent real estate appraisals. These appraisals may utilize a single valuation approach or a combination of approaches including comparable sales and the income approach. Adjustments are routinely made in the appraisal process by the independent appraisers to adjust for differences between the comparable sales and income data available. Such adjustments are usually significant and typically result in a Level 3 classification of the inputs for determining fair value.
	Appraisals for both collateral-dependent impaired loans and other real estate owned are performed by certified general appraisers (for commercial properties) or certified residential appraisers (for residential properties) whose qualifications and licenses have been reviewed and verified by us. Once received, a member of the Credit Department reviews the assumptions and approaches utilized in the appraisal as well as the overall resulting fair value in comparison with via independent data sources such as recent market data or industry-wide statistics.
	Assets and Liabilities Measured at Fair Value on a Recurring Basis
	Assets measured at fair value on a recurring basis are summarized below: There were no transfers between Level 1 and Level 2 during the periods presented.
					Quoted Prices in
					Active Markets for			Significant Other		Significant
			September 30,		Identical Assets			Observable Inputs		Unobservable Inputs
	(Dollars in thousands)		2013		(Level 1)			(Level 2)		(Level 3)
	Assets:
	Government-sponsored		$	114,550	$	-		$	114,550	$	-
	mortgage-backed
	residential
	Government-sponsored			77,742		-			77,742		-
	collateralized mortgage
	obligations
	Asset backed-			32,656		-			32,656		-
	collateralized loan
	obligations
	State and municipal			12,666		-			12,666		-
	Corporate bonds			52,569		-			52,569		-
	Total		$	290,183	$	-		$	290,183	$	-
					Quoted Prices in
					Active Markets for			Significant Other		Significant
			December 31,		Identical Assets			Observable Inputs		Unobservable Inputs
	(Dollars in thousands)		2012		(Level 1)			(Level 2)		(Level 3)
	Assets:
	U.S. Treasury and agencies		$	8,278	$	-		$	8,278	$	-
	Government-sponsored			144,889		-			144,889		-
	mortgage-backed
	residential
	Government-sponsored			150,147		-			150,147		-
	collateralized mortgage
	obligations
	Private asset backed			5,132		-			5,132		-
	State and municipal			12,718		-			12,718		-
	Corporate bonds			32,967		-			32,967		-
	Total		$	354,131	$	-		$	354,131	$	-
	We conduct a thorough review of fair value hierarchy classifications on a quarterly basis. Reclassification of certain financial instruments may occur when input observability changes.
	The table below presents a reconciliation for all assets measured at fair value on a recurring basis using significant unobservable inputs (Level 3) for the periods ended September 30, 2012. The level 3 assets consist of trust preferred securities which were called or sold in the fourth quarter of 2012. We did not have any Level 3 assets measured at fair value on a recurring basis at September 30, 2013.
			Fair Value Measurements		Fair Value Measurements
			Using Significant		Using Significant
			Unobservable Inputs		Unobservable Inputs
			(Level 3)		(Level 3)
			Three Months Ended		Nine Months Ended
			September 30,		September 30,
	(Dollars in thousands)		2012		2012
	Beginning balance		$	266	$	264
	Total gains or losses:
	Impairment charges on securities			-		-
	Included in other comprehensive income			16		18
	Purchases			-		-
	Sales or calls			-1		-1
	Settlements			-		-
	Transfers in and/or out of Level 3			-		-
	Ending balance		$	281	$	281
There were no changes in unrealized gains and losses recorded in earnings for the quarter and nine months ended September 30, 2013 for Level 3 assets and liabilities that are still held at September 30, 2013.
Assets and Liabilities Measured at Fair Value on a Nonrecurring Basis
Assets measured at fair value on a nonrecurring basis are summarized below:
				Quoted Prices in
				Active Markets for			Significant Other		Significant
		September 30,		Identical Assets			Observable Inputs		Unobservable Inputs
(Dollars in thousands)		2013		(Level 1)			(Level 2)		(Level 3)
Assets:
Impaired loans:
Commercial		$	183	$	-		$	-	$	183
Commercial Real Estate:
Land Development			1,191		-			-		1,191
Other			13,433		-			-		13,433
Residential Mortgage			422		-			-		422
Consumer and Home Equity			212		-			-		212
Real estate acquired through foreclosure:
Commercial Real Estate:
Land Development			918		-			-		918
Other			2,951		-			-		2,951
Residential Mortgage			483		-			-		483
				Quoted Prices in
				Active Markets for			Significant Other		Significant
		December 31,		Identical Assets			Observable Inputs		Unobservable Inputs
(Dollars in thousands)		2012		(Level 1)			(Level 2)		(Level 3)
Assets:
Impaired loans:
Commercial		$	231	$	-		$	-	$	231
Commercial Real Estate:
Land Development			1,775		-			-		1,775
Other			12,560		-			-		12,560
Residential Mortgage			127		-			-		127
Consumer and Home Equity			137		-			-		137
Real estate acquired through foreclosure:
Commercial Real Estate:
Land Development			2,459		-			-		2,459
Building Lots			2,220		-			-		2,220
Other			8,350		-			-		8,350
Residential Mortgage			224		-			-		224
Impaired loans, which are measured for impairment using the fair value of the collateral for collateral dependent loans, had a carrying amount of $19.3 million, with a valuation allowance of $3.9 million, resulting in an additional provision for loan losses of $32,000 for the quarter ended September 30, 2013 and a reversal of provision for loan losses of $310,000 for the nine months ended September 30, 2013. Impaired loans, which are measured for impairment using the fair value of the collateral for collateral dependent loans, had a carrying amount of $35.1 million, with a valuation allowance of $5.0 million, resulting in an additional provision for loan losses of $600,000 and $2.5 million for the three and nine months ended September 30, 2012. Values for collateral dependent loans are generally based on appraisals obtained from licensed real estate appraisers and in certain circumstances consideration of offers obtained to purchase properties prior to foreclosure. Appraisals for commercial real estate generally use three methods to derive value: cost, sales or market comparison and income approach. The cost method bases value on the estimated cost to replace the current property after considering adjustments for depreciation. Values of the market comparison approach evaluate the sales price of similar properties in the same market area. The income approach considers net operating income generated by the property and an investors required return. The final value is a reconciliation of these three approaches and takes into consideration any other factors management deems relevant to arrive at a representative fair value.
Real estate owned acquired through foreclosure is recorded at fair value less estimated selling costs at the date of foreclosure. Fair value is based on the appraised market value of the property. Many of the appraisals utilize an income approach, such as the discounted cash flow method, to estimate future income and profits or cash flows.  Appraisals may also utilize a single valuation approach or a combination of approaches including a market comparison approach, where prices and other relevant information generated by market transactions involving identical or comparable properties are used to determine fair value.  The fair value may be subsequently reduced if the estimated fair value declines below the original appraised value. Fair value adjustments of $300,000 and $1.8 million were made to real estate owned during the quarter and nine months ended September 30, 2013. Fair value adjustments of $1.4 million and $4.9 million were made to real estate owned during the quarter and nine months ended September 30, 2012.
The following table presents quantitative information about level 3 fair value measurements for financial instruments measured at fair value on a non-recurring basis at September 30, 2013.
		Fair		Valuation		Unobservable		Range (Weighted
(Dollars in thousands)		Value		Technique(s)		Input(s)		Average)
Impaired loans:
Commercial		$	183	Income approach		Discount or capitalization rate		1.25% (1)
Commercial Real Estate:
Land Development			1,191	Income approach		Discount or capitalization rate		0.00%-25.00% (23.23%)
Other			12,435	Income approach		Discount or capitalization rate		1.25%-9.00% (8.73%)
			998	Sales comparison approach		Adjustment for differences between		0.00%-10.00% (2.29%)
						comparable sales
Residential Mortgage			422	Sales comparison approach		Adjustment for differences between		0.00%-3.87% (1.07%)
						comparable sales
Consumer and Home Equity			212	Sales comparison approach		Adjustment for differences between		1.80%-2.25% (1.87%)
						comparable sales
Real estate acquired through foreclosure:
Commercial Real Estate:
Land Development			886	Income approach		Discount or capitalization rate		8.50%-29.00% (23.97%)
			32	Sales comparison approach		Adjustment for differences between		0.00% (1)
						comparable sales
Other			1,009	Income approach		Discount or capitalization rate		8.70%-10.00% (9.61%)
			1,942	Sales comparison approach		Adjustment for differences between		2.75%-20.00% (15.24%)
						comparable sales
Residential Mortgage			483	Sales comparison approach		Adjustment for differences between		0.00%-18.00% (0.82%)
						comparable sales
(1) Unobservable inputs with a single discount listed include only one property.
Fair Value of Financial Instruments
The estimated fair value of financial instruments, not previously presented, is as follows:
				September 30, 2013
(Dollars in thousands)		Carrying		Fair Value Measurements
		Value		Total			Level 1		Level 2		Level 3
Financial assets:
Cash and due from banks		$	31,517	$	31,517		$	5,970	$	25,547	$	-
Mortgage loans held for sale			1,068		1,085			-		1,085		-
Loans, net			448,366		452,066			-		-		452,066
Accrued interest receivable			2,283		2,283			-		-		2,283
FHLB stock			4,430		N/A			N/A		N/A		N/A
Financial liabilities:
Deposits			746,878		708,766			-		708,766		-
Advances from Federal Home Loan Bank			38,424		39,445			-		39,445		-
Subordinated debentures			18,000		12,200			-		-		12,200
Accrued interest payable			4,137		4,137			-		4,137		-
				December 31, 2012
(Dollars in thousands)		Carrying		Fair Value Measurements
		Value		Total			Level 1		Level 2		Level 3
Financial assets:
Cash and due from banks		$	63,103	$	63,103		$	6,468	$	56,635	$	-
Mortgage loans held for sale			3,887		3,967			-		3,967		-
Loans, net			492,740		493,998			-		-		493,998
Accrued interest receivable			2,690		2,690			-		-		2,690
FHLB stock			4,805		N/A			N/A		N/A		N/A
Financial liabilities:
Deposits			922,620		934,637			-		934,637		-
Advances from Federal Home Loan Bank			12,596		13,944			-		13,944		-
Subordinated debentures			18,000		12,695			-		-		12,695
Accrued interest payable			3,121		3,121			-		3,121		-
The methods and assumptions, not previously presented, used to estimate fair values are described below:
(a) Cash and due from banks
The carrying amount of cash on hand approximates fair value and is classified as a Level 1. The carrying amount of cash due from bank accounts is classified as a Level 2.
(b) Mortgage loans held for sale
The fair value of mortgage loans held for sale is estimated based upon the binding contracts and quotes from third party investors resulting in a Level 2 classification.
		(c) Loans, net
Fair values of loans are estimated as follows: For variable rate loans that reprice frequently and with no significant change in credit risk, fair values are based on carrying values resulting in a Level 3 classification. Fair values for other loans are estimated using discounted cash flow analyses, using interest rates currently being offered for loans with similar terms to borrowers of similar credit quality resulting in a Level 3 classification. Impaired loans are valued at the lower of cost or fair value as described previously. The methods utilized to estimate the fair value of loans do not necessarily represent an exit price.
(d) FHLB Stock
It is not practical to determine the fair value of FHLB stock due to restrictions placed on its transferability.
(e) Deposits
The carrying amounts of variable rate interest bearing deposits approximate their fair values at the reporting date resulting in a Level 2 classification.  Fair values for fixed rate interest bearing deposits are estimated using a discounted cash flows calculation that applies interest rates currently being offered on certificates to a schedule of aggregated expected monthly maturities on time deposits resulting in a Level 2 classification.
(f) Advances from Federal Home Loan Bank
The fair value of the FHLB advances is obtained from the FHLB and is calculated by discounting contractual cash flow using an estimated interest rate based on the current rates available to us for debt of similar remaining maturities and collateral terms resulting in a Level 2 classification.
(g) Subordinated debentures
The fair value for subordinated debentures is calculated using discounted cash flow analyses based on the current borrowing rates for similar types of borrowing arrangements resulting in a Level 3 classification.
(h) Accrued interest receivable/payable
The carrying amounts of accrued interest approximate fair value resulting in a Level 3 classification based on the level of the asset or liability with which the accrual is associated.
(i) Off-balance Sheet Instruments
Fair values for off-balance sheet, credit-related financial instruments are based on fees currently charged to enter into similar agreements, taking into account the remaining terms of the agreements and the counterparties’ credit standing. The fair value of commitments is not material.

SUBORDINATED_DEBENTURES

SUBORDINATED DEBENTURES	9 Months Ended
	Sep. 30, 2013
Subordinated Borrowings [Abstract]	'
Subordinated Borrowings Disclosure [Text Block]	'
	10	SUBORDINATED DEBENTURES
	On October 29, 2010, we exercised our right to defer regularly scheduled interest payments on both issues of junior subordinated notes relating to outstanding trust preferred securities.  Together, the junior subordinated notes had an outstanding principal amount of $18 million.  We have the right to defer payments of interest for up to 20 consecutive quarterly periods without default or penalty.  After such period, we must pay all deferred interest and resume quarterly interest payments or we will be in default. During the deferral period, the statutory trusts, which are wholly owned subsidiaries of First Financial Service Corporation formed to issue the trust preferred securities, will likewise suspend the declaration and payment of dividends on the trust preferred securities.  The regular scheduled interest payments will continue to be accrued for payment in the future and reported as an expense for financial statement purposes. As of September 30, 2013, we have deferred a total of twelve quarterly payments and these accrued but unpaid interest payments totaled $4.1 million.

PREFERRED_STOCK

PREFERRED STOCK	9 Months Ended
	Sep. 30, 2013
Equity [Abstract]	'
Preferred Stock [Text Block]	'
	11.	PREFERRED STOCK
	On January 9, 2009, we issued $20 million of cumulative perpetual preferred shares, with a liquidation preference of $1,000 per share (the “Senior Preferred Shares”) to the United States Treasury under its Capital Purchase Program (“CPP”). The Senior Preferred Shares constitute Tier 1 capital and rank senior to our common shares. The Senior Preferred Shares pay cumulative dividends quarterly at a rate of 5% per year for the first five years and will reset to a rate of 9% per year on January 9, 2014. The Senior Preferred Shares may be redeemed at any time, subject to prior approval from bank regulatory agencies. We also have the ability to defer dividend payments at any time, at our option.
	Under the terms of our CPP stock purchase agreement, we also issued the Treasury a warrant to purchase an amount of our common stock equal to 15% of the aggregate amount of the Senior Preferred Shares, or $3 million.  The warrant entitles Treasury to purchase 215,983 common shares at a purchase price of $13.89 per share.  The initial exercise price for the warrant and the number of shares subject to the warrant were determined by reference to the market price of our common stock calculated on a 20-day trailing average as of December 8, 2008, the date Treasury approved our application.  The warrant has a term of 10 years and is potentially dilutive to earnings per share.
	Effective with the fourth quarter of 2010, we suspended payment of regular quarterly cash dividends on our Senior Preferred Shares.  The dividends will continue to be accrued for payment in the future and reported as a preferred dividend requirement that is deducted from income attributable to common shareholders for financial statement purposes.  As of September 30, 2013, we have deferred a total of twelve quarterly payments and these accrued but unpaid dividends totaled $3.2 million.
	Participation in the CPP requires a participating institution to comply with a number of restrictions and provisions, including standards for executive compensation and corporate governance that apply only as long as the Senior Preferred Shares are held by Treasury and limitations on share repurchases and the declaration and payment of dividends on common shares. The standard terms of the CPP require that a participating financial institution limit the payment of dividends to the most recent quarterly amount prior to October 14, 2008, which is $0.19 per share in our case. This dividend limitation will remain in effect until the preferred shares are retired.
	On April 29, 2013, Treasury sold our Senior Preferred Shares to six funds in an auction.  Following the sale, the full $20 million stated value of our Senior Preferred Shares remains outstanding and our obligation to pay deferred and future dividends, currently at an annual rate of 5% and increasing to 9% in January 2014, continues until our Senior Preferred Shares are fully retired.

STOCKHOLDERS_EQUITY

STOCKHOLDERS' EQUITY	9 Months Ended
	Sep. 30, 2013
Equity [Abstract]	'
Stockholders' Equity Note Disclosure [Text Block]	'
	12	STOCKHOLDERS’ EQUITY
	Regulatory Capital Requirements – The Corporation and the Bank are subject to regulatory capital   requirements administered by federal banking agencies.  Capital adequacy guidelines and, additionally for banks, prompt corrective action regulations involve quantitative measures of assets, liabilities, and certain off-balance-sheet items calculated under regulatory accounting practices.  Capital amounts and classifications are also subject to qualitative judgments by regulators.  Failure to meet capital requirements can result in regulatory action.
	Prompt corrective action regulations provide five classifications: well capitalized, adequately capitalized,    undercapitalized, significantly undercapitalized, and critically undercapitalized, although these terms are not used to represent overall financial condition.  If adequately capitalized, regulatory approval is required to accept brokered deposits.  If undercapitalized, capital distributions are limited, as is asset growth and expansion, and capital restoration plans are required.
	Quantitative measures established by regulation to ensure capital adequacy require the Corporation and the Bank to maintain minimum amounts and ratios (set forth in the following table) of Total and Tier 1 capital (as defined in the regulations) to risk weighted assets (as defined) and of Tier 1 capital (as defined) to average assets (as defined).
	As a result of the Consent Order the Bank entered into with the FDIC and KDFI described in greater detail in Note 2, the Bank is categorized as a "troubled institution" by bank regulators, which by definition does not permit the Bank to be considered "well-capitalized".
	On March 9, 2012, the Bank entered into a new Consent Order with the FDIC and KDFI. The 2012 Consent Order requires the Bank to achieve the same minimum capital ratios mandated by the January 2011 Consent Order, which are set forth below.  See Note 2 for additional information.
	Our actual and required capital amounts and ratios are presented below.
	(Dollars in thousands)							For Capital					Required by
			Actual					Adequacy Purposes					Consent Order
	As of September 30, 2013:		Amount		Ratio			Amount		Ratio			Amount		Ratio
	Total risk-based capital (to risk-weighted assets)
	Consolidated		$	68,533		11.88	%	$	46,164		8	%	$	69,246	12	%
	Bank			75,542		13.09			46,161		8			69,241	12
	Tier I capital (to risk-weighted assets)
	Consolidated			57,677		10			23,082		4			N/A	N/A
	Bank			68,258		11.83			23,080		4			N/A	N/A
	Tier I capital (to average assets)
	Consolidated			57,677		6.6			34,962		4			78,665	9
	Bank			68,258		7.8			35,015		4			78,783	9
	(Dollars in thousands)							For Capital					Required by
			Actual					Adequacy Purposes					Consent Order
	As of December 31, 2012:		Amount		Ratio			Amount		Ratio				Amount	Ratio
	Total risk-based capital (to risk-weighted assets)
	Consolidated		$	68,791		11.36	%	$	48,438		8	%	$	72,657	12	%
	Bank			73,951		12.21			48,439		8			72,658	12
	Tier I capital (to risk-weighted assets)
	Consolidated			57,471		9.49			24,219		4			N/A	N/A
	Bank			66,256		10.94			24,219		4			N/A	N/A
	Tier I capital (to average assets)
	Consolidated			57,471		5.67			40,580		4			91,304	9
	Bank			66,256		6.53			40,608		4			91,368	9

CHANGES_IN_AND_RECLASSIFICATIO

CHANGES IN AND RECLASSIFICATIONS FROM ACCUMULATED OTHER COMPREHENSIVE INCOME	9 Months Ended
	Sep. 30, 2013
Stockholders' Equity Note [Abstract]	'
Comprehensive Income (Loss) Note [Text Block]	'
	13	CHANGES IN AND RECLASSIFICATIONS FROM ACCUMULATED OTHER   COMPREHENSIVE INCOME
	Changes in accumulated other comprehensive income by component consists of the following:
			Three Months Ended		Nine Months Ended
			September 30, 2013		September 30, 2013
			Unrealized Gains		Unrealized Gains
			and Losses on		and Losses on
			Available-for-Sale		Available-for-Sale
	(Dollars in thousands)		Securities (1)		Securities (1)
	Beginning balance		$	-7,285	$	1,270
	Other comprehensive income (loss) before reclassification			-1,438		-9,766
	Amounts reclassified from accumulated other comprehensive income			-12		-239
	Net other comprehensive income (loss)			-1,450		-10,005
	Ending balance		$	-8,735	$	-8,735
	(1) All amounts are net of tax.
	Reclassifications out of accumulated other comprehensive income consists of the following:
	Three months ended September 30, 2013
	(Dollars in thousands)
			Amount
	Details about		Reclassified From		Affected Line Item
	Accumulated Other		Accumulated Other		in the
	Comprehensive		Comprehensive		Consolidated
	Income Components		Income		Statement of Operations
	Unrealized gains and losses		$	235		Gain on sale of investments
	on available-for-sale securities
				-223		Loss on sale of investments
				12		Total before tax
				-		Income taxes/(benefits)
	Total amount reclassified		$	12		Net income (loss)
	Nine months ended September 30, 2013
	(Dollars in thousands)
			Amount
	Details about		Reclassified From		Affected Line Item
	Accumulated Other		Accumulated Other		in the
	Comprehensive		Comprehensive		Consolidated
	Income Components		Income		Statement of Operations
	Unrealized gains and losses
	on available-for-sale securities		$	1,078		Gain on sale of investments
				-839		Loss on sale of investments
				239		Total before tax
				-		Income taxes/(benefits)
	Total amount reclassified		$	239		Net income (loss)

BASIS_OF_PRESENTATION_AND_SUMM1

BASIS OF PRESENTATION AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies)	9 Months Ended
	Sep. 30, 2013
Accounting Policies [Abstract]	'
Basis of Accounting, Policy [Policy Text Block]	'
	Basis of Presentation – The accompanying unaudited consolidated financial statements include the accounts of First Financial Service Corporation (the “Corporation”) and its wholly owned subsidiary, First Federal Savings Bank (the “Bank”). First Federal Savings Bank has three wholly owned subsidiaries, First Service Corporation of Elizabethtown, Heritage Properties, LLC and First Federal Office Park, LLC. Unless the text clearly suggests otherwise, references to "us," "we," or "our" include First Financial Service Corporation and its wholly owned subsidiary, collectively referred to as the “Company”. All significant intercompany transactions and balances have been eliminated in consolidation.
	The accompanying unaudited consolidated financial statements have been prepared in accordance with U.S. generally accepted accounting principles for interim financial information and with 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 U.S. 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 three and nine month periods ending September 30, 2013 are not necessarily indicative of the results that may occur for the year ending December 31, 2013. For further information, refer to the consolidated financial statements and footnotes thereto included in the Corporation’s annual report on Form 10-K for the period ended December 31, 2012.
Reclassification, Policy [Policy Text Block]	'
	Reclassifications – Some items in the prior year financial statements were reclassified to conform to the current presentation. Reclassifications had no effect on prior year operations or shareholder’s equity.
New Accounting Pronouncements, Policy [Policy Text Block]	'
	Adoption of New Accounting Standards – Effective February 2013, we adopted, ASU No. 2013-02, Reporting of Amounts Reclassified Out of Accumulated Other Comprehensive (ASU 2013-02).  This guidance is the culmination of the FASB’s deliberation on reporting reclassification adjustments from accumulated other comprehensive income (AOCI). The amendments in ASU 2013-02 do not change the current requirements for reporting net income or other comprehensive income.  However, the amendments require disclosure of amounts reclassified out of AOCI in its entirety, by component, on the face of the statement of operations or in the notes thereto.  Amounts that are not required to be reclassified in their entirety to net income must be cross-referenced to other disclosures that provide additional detail.  This standard was effective for public entities for annual and interim reporting periods beginning after December 15, 2012. The adoption of this update did not have a material impact on the consolidated financial statements.
	In July 2013, the Financial Accounting Standards Board issued Accounting Standards Update 2013-11, Presentation of an Unrecognized Tax Benefit When a Net Operating Loss Carryforward, a Similar Tax Loss, or a Tax Credit Carryforward Exists (ASU 2013-11). Current GAAP does not include explicit guidance on the financial statement presentation of an unrecognized tax benefit when a net operating loss carryforward, a similar tax loss, or a tax credit carryforward exists. The adoption of ASU 2013-11 will require an unrecognized tax benefit, or a portion of an unrecognized tax benefit to be presented in the financial statements as a reduction to a deferred tax asset for a net operating loss carryforward, a similar tax loss, or a tax credit carryforward, unless an exception applies. The amendments in this update are effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2013. We are currently evaluating the effect that the provisions of ASU 2013-11 will have on the consolidated financial statements.

SECURITIES_Tables

SECURITIES (Tables)	9 Months Ended
	Sep. 30, 2013
Investments, Debt and Equity Securities [Abstract]	'
Marketable Securities [Table Text Block]	'
	The amortized cost basis and fair values of securities are as follows:
				Gross		Gross
	(Dollars in thousands)	Amortized		Unrealized		Unrealized
		Cost		Gains		Losses		Fair Value
	Securities available-for-sale:
	September 30, 2013:
	Government-sponsored	$	119,475	$	35	$	-4,960	$	114,550
	mortgage-backed residential
	Government-sponsored		78,732		300		-1,290		77,742
	collateralized mortgage obligations
	Asset backed-collateralized loan obligations		33,102		-		-446		32,656
	State and municipal		12,257		423		-14		12,666
	Corporate bonds		52,794		222		-447		52,569
	Total	$	296,360	$	980	$	-7,157	$	290,183
	December 31, 2012:
	U.S. Treasury and agencies	$	8,284	$	7	$	-13	$	8,278
	Government-sponsored		144,617		774		-502		144,889
	mortgage-backed residential
	Government-sponsored		148,460		2,033		-346		150,147
	collateralized mortgage obligations
	Private asset backed		4,981		151		-		5,132
	State and municipal		11,394		1,324		-		12,718
	Corporate bonds		32,567		433		-33		32,967
	Total	$	350,303	$	4,722	$	-894	$	354,131
Investments Classified by Contractual Maturity Date [Table Text Block]	'
	The amortized cost and fair value of securities at September 30, 2013, by contractual maturity, are shown below. Securities not due at a single maturity date, primarily mortgage-backed securities, are shown separately.
		Available for Sale
		Amortized		Fair
	(Dollars in thousands)	Cost		Value
	Due in one year or less	$	3,064	$	3,068
	Due after one year through five years		49,485		49,406
	Due after five years through ten years		4,751		4,624
	Due after ten years		7,751		8,137
	Investment securities with no single
	maturity date:
	Government-sponsored mortgage-backed		119,475		114,550
	residential
	Government-sponsored collateralized		78,732		77,742
	mortgage obligations
	Asset backed-collateralized loan		33,102		32,656
	obligations
		$	296,360	$	290,183
Schedule of Realized Gain (Loss) [Table Text Block]	'
	The following schedule shows the proceeds from sales of available-for-sale securities and the gross realized gains and losses on those sales:
		Three Months Ended				Nine Months Ended
		September 30,				September 30,
		2013		2012		2013		2012
	(Dollars in thousands)
	Proceeds from sales	$	24,295	$	127,569	$	125,351	$	214,830
	Gross realized gains		235		2,054		1,078		3,363
	Gross realized losses		223		350		839		653
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Table Text Block]	'
	Securities with unrealized losses at September 30, 2013 and December 31, 2012 aggregated by major security type and length of time in a continuous unrealized loss position are as follows:
	30-Sep-13	Less than 12 Months				12 Months or More				Total
		Fair		Unrealized		Fair		Unrealized		Fair		Unrealized
	Description of Securities	Value		Loss		Value		Loss		Value		Loss
	Government-sponsored	$	103,205	$	-4,608	$	8,658	$	-352	$	111,863	$	-4,960
	mortgage-backed residential
	Government-sponsored collateralized		40,463		-1,013		6,739		-277		47,202		-1,290
	mortgage obligations
	Asset backed-collateralized loan obligations		32,656		-446		-		-		32,656		-446
	State and municipal		3,614		-14		-		-		3,614		-14
	Corporate bonds		24,769		-447		-		-		24,769		-447
	Total temporarily impaired	$	204,707	$	-6,528	$	15,397	$	-629	$	220,104	$	-7,157
	31-Dec-12	Less than 12 Months				12 Months or More				Total
		Fair		Unrealized		Fair		Unrealized		Fair		Unrealized
	Description of Securities	Value		Loss		Value		Loss		Value		Loss
	U.S. Treasury and agencies	$	3,255	$	-13	$	-	$	-	$	3,255	$	-13
	Government-sponsored		82,137		-502		-		-		82,137		-502
	mortgage-backed residential
	Government-sponsored collateralized		33,275		-346		-		-		33,275		-346
	mortgage obligations
	Corporate bonds		5,731		-33		-		-		5,731		-33
	Total temporarily impaired	$	124,398	$	-894	$	-	$	-	$	124,398	$	-894
Schedule of Roll-forward of Credit Losses Recognized in Earnings [Table Text Block]	'
	The table below presents a roll-forward of the credit losses recognized in earnings. During 2012, all of our trust preferred securities were either called or sold which represented the remaining balance in the OTTI roll-forward.
	(Dollars in thousands)	Three Months Ended		Nine Months Ended
		September 30,		September 30,
			2012		2012
	Beginning balance	$	2,104	$	2,078
	Increases to the amount related to the credit loss for which		-		26
	other-than-temporary impairment was previously recognized
	Sales/call of securities		-628		-628
	Ending balance	$	1,476	$	1,476

LOANS_Tables

LOANS (Tables)	9 Months Ended
	Sep. 30, 2013
Receivables [Abstract]	'
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]	'
	Loans are summarized as follows:
		September 30,			December 31,
	(Dollars in thousands)	2013			2012
	Commercial Real Estate (CRE):
	Other-CRE other than Land
	Development and Building Lots	$	263,509		$	290,424
	Land Development		22,395			28,310
	Building Lots		1,599			2,151
	Residential mortgage		101,281			110,025
	Consumer and home equity		53,988			57,888
	Commercial		20,394			19,931
	Indirect consumer		12,938			16,211
			476,104			524,940
	Less:
	Net deferred loan origination fees		-73			-105
	Allowance for loan losses		-12,224			-17,265
			-12,297			-17,370
	Net Loans	$	463,807		$	507,570
Allowance for Credit Losses on Financing Receivables by Portfolio Segment [Table Text Block]	'
	The following tables present the activity in the allowance for loan losses by portfolio segment for the quarter and nine months ending September 30, 2013 and 2012:
	Three Months Ended
	30-Sep-13				Commercial			Residential			Consumer &			Indirect
		Commercial			Real Estate			Mortgage			Home Equity			Consumer			Total
	(Dollars in thousands)
	Allowance for loan losses:
	Beginning Balance	$	908		$	14,054		$	375		$	396		$	214		$	15,947
	Provision for loan losses		177			-790			49			67			-3			-500
	Charge-offs		-48			-3,076			-73			-111			-45			-3,353
	Recoveries		10			63			13			8			36			130
	Total ending allowance balance	$	1,047		$	10,251		$	364		$	360		$	202		$	12,224
	Nine Months Ended
	30-Sep-13				Commercial			Residential			Consumer &			Indirect
		Commercial			Real Estate			Mortgage			Home Equity			Consumer			Total
	(Dollars in thousands)
	Allowance for loan losses:
	Beginning Balance	$	1,236		$	14,815		$	501		$	442		$	271		$	17,265
	Provision for loan losses		-95			-1,175			-81			90			-64			-1,325
	Charge-offs		-142			-3,528			-73			-209			-102			-4,054
	Recoveries		48			139			17			37			97			338
	Total ending allowance balance	$	1,047		$	10,251		$	364		$	360		$	202		$	12,224
	Three Months Ended
	30-Sep-12				Commercial			Residential			Consumer &			Indirect
		Commercial			Real Estate			Mortgage			Home Equity			Consumer			Total
	(Dollars in thousands)
	Allowance for loan losses:
	Beginning Balance	$	1,483		$	12,169		$	803		$	525		$	320		$	15,300
	Provision for loan losses		-156			2,831			16			37			-57			2,671
	Change in allowance associated with probable
	branch divestitures		18			212			-30			1			-			201
	Charge-offs		-126			-234			-			-53			-58			-471
	Recoveries		13			51			-			-39			98			123
	Total ending allowance balance	$	1,232		$	15,029		$	789		$	471		$	303		$	17,824
	Nine Months Ended
	30-Sep-12				Commercial			Residential			Consumer &			Indirect
		Commercial			Real Estate			Mortgage			Home Equity			Consumer			Total
	(Dollars in thousands)
	Allowance for loan losses:
	Beginning Balance	$	1,422		$	13,830		$	922		$	610		$	397		$	17,181
	Provision for loan losses		66			4,504			-36			135			-71			4,598
	Change in allowance associated with probable
	branch divestitures		-7			-369			-36			-56			-			-468
	Charge-offs		-313			-3,038			-62			-229			-157			-3,799
	Recoveries		64			102			1			11			134			312
	Total ending allowance balance	$	1,232		$	15,029		$	789		$	471		$	303		$	17,824
Allowance for Credit Losses on Financing Receivables [Table Text Block]	'
	The following table presents the balance in the allowance for loan losses and the recorded investment in loans by portfolio segment and based on the impairment method as of September 30, 2013 and 2012 and December 31, 2012:
	September 30, 2013				Commercial			Residential			Consumer &			Indirect
		Commercial			Real Estate			Mortgage			Home Equity			Consumer			Total
	(Dollars in thousands)
	Allowance for loan losses:
	Ending allowance balance attributable to loans:
	Individually evaluated for impairment	$	197		$	3,550		$	68		$	51		$	-		$	3,866
	Collectively evaluated for impairment		850			6,701			296			309			202			8,358
	Total ending allowance balance	$	1,047		$	10,251		$	364		$	360		$	202		$	12,224
	Loans:
	Loans individually evaluated for impairment	$	1,353		$	40,629		$	3,015		$	620		$	-		$	45,617
	Loans collectively evaluated for impairment		19,041			246,874			98,266			53,368			12,938			430,487
	Total ending loans balance	$	20,394		$	287,503		$	101,281		$	53,988		$	12,938		$	476,104
	31-Dec-12				Commercial			Residential			Consumer &			Indirect
		Commercial			Real Estate			Mortgage			Home Equity			Consumer			Total
	(Dollars in thousands)
	Allowance for loan losses:
	Ending allowance balance attributable to loans:
	Individually evaluated for impairment	$	252		$	7,593		$	86		$	51		$	-		$	7,982
	Collectively evaluated for impairment		984			7,222			415			391			271			9,283
	Total ending allowance balance	$	1,236		$	14,815		$	501		$	442		$	271		$	17,265
	Loans:
	Loans individually evaluated for impairment	$	1,071		$	43,513		$	213		$	188		$	-		$	44,985
	Loans collectively evaluated for impairment		18,860			277,372			109,812			57,700			16,211			479,955
	Total ending loans balance	$	19,931		$	320,885		$	110,025		$	57,888		$	16,211		$	524,940
	30-Sep-12				Commercial			Residential			Consumer &			Indirect
		Commercial			Real Estate			Mortgage			Home Equity			Consumer			Total
	(Dollars in thousands)
	Allowance for loan losses:
	Ending allowance balance attributable to loans:
	Individually evaluated for impairment	$	229		$	8,000		$	378		$	95		$	7		$	8,709
	Collectively evaluated for impairment		1,003			7,029			411			376			296			9,115
	Loans held for sale		-			-			-			-			-			-
	Total ending allowance balance	$	1,232		$	15,029		$	789		$	471		$	303		$	17,824
	Loans:
	Loans individually evaluated for impairment	$	1,029		$	57,655		$	1,093		$	255		$	57		$	60,089
	Loans collectively evaluated for impairment		20,070			303,891			112,800			58,117			18,423			513,301
	Loans held for sale		-775			-36,878			-3,583			-5,616			-			-46,852
	Total ending loans balance	$	20,324		$	324,668		$	110,310		$	52,756		$	18,480		$	526,538
Impaired Financing Receivables [Table Text Block]	'
	The following tables’ present loans individually evaluated for impairment by class of loans as of September 30, 2013 and 2012 and December 31, 2012. The difference between the unpaid principal balance and recorded investment represents partial write downs/charge offs taken on individual impaired credits. The recorded investment and average recorded investment in loans exclude accrued interest receivable and loan origination fees.
											Three Months Ended								Nine Months Ended
											September 30, 2013								September 30, 2013
	30-Sep-13	Unpaid						Allowance for			Average			Interest			Cash Basis		Average			Interest		Interest
		Principal			Recorded			Loan Losses			Recorded			Income			Interest		Recorded			Income		Income
	(Dollars in thousands)	Balance			Investment			Allocated			Investment			Recognized			Recognized		Investment			Recognized		Recognized
	With no related allowance recorded:
	Commercial	$	1,177		$	973		$	-		$	1,001		$	9		$	9	$	815	$	18	$	18
	Commercial Real Estate:
	Land Development		2,220			2,195			-			2,253			27			27		3,125		114		114
	Building Lots		477			212			-			212			-			-		212		-		-
	Other		25,475			20,048			-			14,964			161			161		14,042		444		444
	Residential Mortgage		2,525			2,525			-			2,733			21			21		2,212		45		45
	Consumer and Home Equity		357			357			-			376			3			3		293		6		6
	Indirect Consumer		-			-			-			-			-			-		-		-		-
	With an allowance recorded:
	Commercial		380			380			197			283			2			2		310		7		7
	Commercial Real Estate:
	Land Development		2,206			2,206			1,015			2,568			31			31		2,621		95		95
	Building Lots		-			-			-			-			-			-		-		-		-
	Other		15,970			15,968			2,535			18,183			195			195		18,980		599		599
	Residential Mortgage		514			490			68			484			4			4		375		8		8
	Consumer and Home Equity		281			263			51			266			2			2		269		6		6
	Indirect Consumer		-			-			-			-			-			-		-		-		-
	Total	$	51,582		$	45,617		$	3,866		$	43,323		$	455		$	455	$	43,254	$	1,342	$	1,342
	31-Dec-12	Unpaid						Allowance for			Average			Interest			Cash Basis
		Principal			Recorded			Loan Losses			Recorded			Income			Interest
	(Dollars in thousands)	Balance			Investment			Allocated			Investment			Recognized			Recognized
	With no related allowance recorded:
	Commercial	$	588		$	588		$	-		$	1,070		$	39		$	39
	Commercial Real Estate:
	Land Development		5,595			4,873			-			5,728			237			237
	Building Lots		477			212			-			810			14			14
	Other		22,121			16,500			-			25,051			961			961
	Residential Mortgage		-			-			-			-			-			-
	Consumer and Home Equity		-			-			-			-			-			-
	Indirect Consumer		-			-			-			-			-			-
	With an allowance recorded:
	Commercial		483			483			252			564			21			21
	Commercial Real Estate:
	Land Development		2,674			2,674			899			2,436			101			101
	Building Lots		-			-			-			191			3			3
	Other		19,254			19,254			6,694			20,075			772			772
	Residential Mortgage		213			213			86			1,191			24			24
	Consumer and Home Equity		188			188			51			260			6			6
	Indirect Consumer		-			-			-			54			1			1
	Total	$	51,593		$	44,985		$	7,982		$	57,430		$	2,179		$	2,179
											Three Months Ended								Nine Months Ended
											September 30, 2012								September 30, 2012
	30-Sep-12	Unpaid						Allowance for			Average			Interest			Cash Basis		Average		Interest		Cash Basis
		Principal			Recorded			Loan Losses			Recorded			Income			Interest		Recorded		Income		Interest
	(Dollars in thousands)	Balance			Investment			Allocated			Investment			Recognized			Recognized		Investment		Recognized		Recognized
	With no related allowance recorded:
	Commercial	$	844		$	722		$	-		$	857		$	6		$	6	$	1,191	$	34	$	34
	Commercial Real Estate:
	Land Development		8,780			6,290			-			6,031			71			71		5,941		177		177
	Building Lots		1,036			683			-			857			7			7		959		13		13
	Other		18,577			15,911			-			22,319			222			222		27,189		781		781
	Residential Mortgage		-			-			-			-			-			-		-		-		-
	Consumer and Home Equity		-			-			-			-			-			-		-		-		-
	Indirect Consumer		-			-			-			-			-			-		-		-		-
	With an allowance recorded:
	Commercial		307			307			229			356			3			3		584		17		17
Commercial Real Estate:
Land Development		1,950			1,950			316			1,345			16			16		2,377		71		71
Building Lots		-			-			-			-			-			-		238		3		3
Other		34,027			32,821			7,684			26,524			264			264		20,281		583		583
Residential Mortgage		1,119			1,093			378			1,096			5			5		1,436		29		29
Consumer and Home Equity		255			255			95			279			1			1		278		4		4
Indirect Consumer		57			57			7			48			-			-		68		1		1
Total	$	66,952		$	60,089		$	8,709		$	59,712		$	595		$	595	$	60,542	$	1,713	$	1,713
Schedule of Recorded Investment in Restructured, Nonaccrual and Loans Past Due [Table Text Block]	'
	The following tables present the recorded investment in restructured, non-accrual and loans past due over 90 days still on accrual by class of loans as of September 30, 2013 and December 31, 2012.
								Restructured
								Loans Past Due			Loans Past Due
	30-Sep-13							Over 90 Days			Over 90 Days			Non-Accrual
		Restructured on			Restructured on			Still			Still			Excluding
	(Dollars in thousands)	Non-Accrual Status			Accrual Status			Accruing			Accruing			Restructured
	Commercial	$	-		$	183		$	-		$	-		$	434
	Commercial Real Estate:
	Land Development		-			1,892			-			-			302
	Building Lots		-			-			-			-			212
	Other		7,819			17,223			4,837			2,238			4,115
	Residential Mortgage		108			192			-			-			1,162
	Consumer and Home Equity		-			97			-			-			262
	Indirect Consumer		-			-			-			-			24
	Total	$	7,927		$	19,587		$	4,837		$	2,238		$	6,511
								Restructured
								Loans Past Due			Loans Past Due
	31-Dec-12							Over 90 Days			Over 90 Days			Non-Accrual
		Restructured on			Restructured on			Still			Still			Excluding
	(Dollars in thousands)	Non-Accrual Status			Accrual Status			Accruing			Accruing			Restructured
	Commercial	$	31		$	221		$	-		$	-		$	562
	Commercial Real Estate:
	Land Development		675			3,053			-			-			695
	Building Lots		-			170			-			-			212
	Other		9,047			19,080			-			-			9,356
	Residential Mortgage		-			303			-			-			827
	Consumer and Home Equity		-			24			-			-			37
	Indirect Consumer		-			-			-			-			13
	Total	$	9,753		$	22,851		$	-		$	-		$	11,702
Past Due Financing Receivables [Table Text Block]	'
	The following table presents the aging of the recorded investment in past due loans as of September 30, 2013 and December 31, 2012 by class of loans:
	30-Sep-13	30-59			60-89			Greater than
		Days			Days			90 Days			Total			Loans Not
	(Dollars in thousands)	Past Due			Past Due			Past Due			Past Due			Past Due			Total
	Commercial	$	-		$	-		$	434		$	434		$	19,960		$	20,394
	Commercial Real Estate:
	Land Development		2,206			-			302			2,508			19,887			22,395
	Building Lots		-			-			212			212			1,387			1,599
	Other		3,861			23			19,009			22,893			240,616			263,509
	Residential Mortgage		279			923			1,270			2,472			98,809			101,281
	Consumer and Home Equity		324			28			262			614			53,374			53,988
	Indirect Consumer		141			30			24			195			12,743			12,938
	Total	$	6,811		$	1,004		$	21,513		$	29,328		$	446,776		$	476,104
	31-Dec-12	30-59			60-89			Greater than
		Days			Days			90 Days			Total			Loans Not
	(Dollars in thousands)	Past Due			Past Due			Past Due			Past Due			Past Due			Total
	Commercial	$	-		$	95		$	562		$	657		$	19,274		$	19,931
	Commercial Real Estate:
	Land Development		361			-			1,228			1,589			26,721			28,310
	Building Lots		-			-			212			212			1,939			2,151
	Other		1,264			1,239			13,449			15,952			274,472			290,424
	Residential Mortgage		3,588			995			827			5,410			104,615			110,025
	Consumer and Home Equity		351			255			45			651			57,237			57,888
	Indirect Consumer		246			130			13			389			15,822			16,211
	Total	$	5,810		$	2,714		$	16,336		$	24,860		$	500,080		$	524,940
Troubled Debt Restructurings on Financing Receivables [Table Text Block]	'
	The following tables present loans by class modified as troubled debt restructurings that occurred during the periods ending September 30, 2013 and 2012:
		Three Months Ended								Three Months Ended
		September 30, 2013								September 30, 2012
				Pre-Modification			Post-Modification					Pre-Modification			Post-Modification
				Outstanding			Outstanding					Outstanding			Outstanding
		Number		Recorded			Recorded			Number		Recorded			Recorded
	(Dollars in thousands)	of Loans		Investment			Investment			of Loans		Investment			Investment
	Troubled Debt Restructurings:
	Commercial	-		$	-		$	-		-		$	-		$	-
	Commercial Real Estate:
	Land Development	-			-			-		-			-			-
	Building Lots	-			-			-		-			-			-
	Other	-			-			-		1			58			58
	Residential Mortgage	-			-			-		-			-			-
	Consumer and Home Equity	-			-			-		-			-			-
	Indirect Consumer	-			-			-		-			-			-
	Total	-		$	-		$	-		1		$	58		$	58
		Nine Months Ended								Nine Months Ended
		30-Sep-13								30-Sep-12
				Pre-Modification			Post-Modification					Pre-Modification			Post-Modification
				Outstanding			Outstanding					Outstanding			Outstanding
		Number		Recorded			Recorded			Number		Recorded			Recorded
	(Dollars in thousands)	of Loans		Investment			Investment			of Loans		Investment			Investment
	Troubled Debt Restructurings:
	Commercial	-		$	-		$	-		1		$	1,094		$	1,094
	Commercial Real Estate:
	Land Development	-			-			-		3			4,143			4,002
	Building Lots	-			-			-		2			370			370
	Other	5			3,512			3,512		6			1,175			1,175
	Residential Mortgage	-			-			-		-			-			-
	Consumer and Home Equity	2			74			74		-			-			-
	Indirect Consumer	-			-			-		-			-			-
	Total	7		$	3,586		$	3,586		12		$	6,782		$	6,641
Troubled Debt Restructurings on Financing Receivables Subsequently Defaulted [Table Text Block]	'
	The following tables present loans by class modified as troubled debt restructurings for which there was a payment default within twelve months following the modification during the periods ending September 30, 2013 and 2012:
		Three Months Ended					Three Months Ended
		30-Sep-13					30-Sep-12
		Number		Recorded			Number		Recorded
	(Dollars in thousands)	of Loans		Investment			of Loans		Investment
	Troubled Debt Restructurings:
	Commercial	-		$	-		-		$	-
	Commercial Real Estate:
	Land Development	-			-		-			-
	Building Lots	-			-		-			-
	Other	-			-		-			-
	Real Estate Construction	-			-		-			-
	Residential Mortgage	-			-		-			-
	Consumer and Home Equity	-			-		-			-
	Indirect Consumer	-			-		-			-
	Total	-		$	-		-		$	-
		Nine Months Ended					Nine Months Ended
		30-Sep-13					30-Sep-12
		Number		Recorded			Number		Recorded
	(Dollars in thousands)	of Loans		Investment			of Loans		Investment
	Troubled Debt Restructurings:
	Commercial	-		$	-		-		$	-
	Commercial Real Estate:
	Land Development	-			-		2			3,278
	Building Lots	-			-		-			-
	Other	-			-		1			10,068
	Real Estate Construction	-			-		-			-
	Residential Mortgage	-			-		-			-
	Consumer and Home Equity	-			-		-			-
	Indirect Consumer	-			-		-			-
	Total	-		$	-		3		$	13,346
Financing Receivable Credit Quality Indicators [Table Text Block]	'
	As of September 30, 2013and December 31, 2012, and based on the most recent analysis performed, the risk category of loans by class of loans is as follows:
	30-Sep-13
	(Dollars in thousands)	Not Rated			Pass			Criticized			Substandard			Doubtful			Loss		Total
	Commercial	$	-		$	19,041		$	-		$	1,353		$	-		$	-	$	20,394
	Commercial Real Estate:
	Land Development		-			14,706			3,288			4,401			-			-		22,395
	Building Lots		-			931			456			212			-			-		1,599
	Other		-			209,660			17,793			36,056			-			-		263,509
	Residential Mortgage		97,421			-			845			3,015			-			-		101,281
	Consumer and Home Equity		53,192			-			73			723			-			-		53,988
	Indirect Consumer		12,899			-			1			38			-			-		12,938
	Total	$	163,512		$	244,338		$	22,456		$	45,798		$	-		$	-	$	476,104
	31-Dec-12
	(Dollars in thousands)	Not Rated			Pass			Criticized			Substandard			Doubtful			Loss		Total
	Commercial	$	-		$	16,736		$	2,000		$	1,195		$	-		$	-	$	19,931
	Commercial Real Estate:
	Land Development		-			17,744			3,059			7,507			-			-		28,310
	Building Lots		-			1,447			492			212			-			-		2,151
	Other		-			235,954			18,297			36,173			-			-		290,424
	Residential Mortgage		105,148			-			442			4,435			-			-		110,025
	Consumer and Home Equity		56,593			-			569			726			-			-		57,888
	Indirect Consumer		16,129			-			10			72			-			-		16,211
	Total	$	177,870		$	271,881		$	24,869		$	50,320		$	-		$	-	$	524,940
Schedule of Performing and Non Performing Loans by Class of Loans [Table Text Block]	'
	The following table presents the unpaid principal balance in residential mortgage, consumer and home equity and indirect consumer loans based on payment activity as of September 30, 2013 and December 31, 2012:
	30-Sep-13	Residential			Consumer &			Indirect
	(Dollars in thousands)	Mortgage			Home Equity			Consumer
	Performing	$	100,011		$	53,726		$	12,914
	Restructured on non-accrual		108			-			-
	Non-accrual		1,162			262			24
	Total	$	101,281		$	53,988		$	12,938
	31-Dec-12	Residential			Consumer &			Indirect
	(Dollars in thousands)	Mortgage			Home Equity			Consumer
	Performing	$	109,198		$	57,851		$	16,198
	Restructured on non-accrual		-			-			-
	Non-accrual		827			37			13
	Total	$	110,025		$	57,888		$	16,211

REAL_ESTATE_ACQUIRED_THROUGH_F1

REAL ESTATE ACQUIRED THROUGH FORECLOSURE (Tables)	9 Months Ended
	Sep. 30, 2013
Real Estate [Abstract]	'
Schedule of Real Estate Properties [Table Text Block]	'
	A summary of the real estate acquired through foreclosure activity is as follows:
		September 30,		December 31,
	(Dollars in thousands)	2013		2012
	Beginning balance, January 1,	$	22,286	$	29,083
	Additions		2,262		18,100
	Net proceeds from sale of properties		-13,883		-19,250
	Writedowns		-1,585		-5,147
	Change in valuation allowance		-221		-500
	Ending balance	$	8,859	$	22,286
Summary of Real Estate Acquired through Foreclosure Valuation Allowance [Table Text Block]	'
	A summary of the real estate acquired through foreclosure valuation allowance activity is as follows:
		Three Months Ended				Nine Months Ended
		September 30,				September 30,
		2013		2012		2013		2012
	(Dollars in thousands)
	Beginning balance	$	721	$	-	$	500	$	-
	Provision		365		-		1,957		-
	Writedowns and loss on sale		-365		-		-1,736		-
	Ending balance	$	721	$	-	$	721	$	-

EARNINGS_LOSS_PER_SHARE_Tables

EARNINGS (LOSS) PER SHARE (Tables)	9 Months Ended
	Sep. 30, 2013
Earnings Per Share [Abstract]	'
Schedule of Calculation of Numerator and Denominator in Earnings Per Share [Table Text Block]	'
	The reconciliation of the numerators and denominators of the basic and diluted EPS is as follows:
		Three Months Ended				Nine Months Ended
	(Amounts in thousands,	September 30,				September 30,
	except per share data)	2013		2012		2013		2012
	Basic:
	Net income/(loss)	$	1,467	$	-751	$	463	$	-5,180
	Less:
	Preferred stock dividends		-250		-250		-750		-750
	Accretion on preferred stock discount		-14		-14		-41		-41
	Net income (loss) available to common shareholders	$	1,203	$	-1,015	$	-328	$	-5,971
	Weighted average common shares		4,860		4,773		4,816		4,767
	Diluted:
	Weighted average common shares		4,860		4,773		4,816		4,767
	Dilutive effect of stock options and warrants		45		-		-		-
	Weighted average common and incremental shares		4,905		4,773		4,816		4,767
	Earnings (Loss) Per Common Share:
	Basic	$	0.25	$	-0.21	$	-0.07	$	-1.25
	Diluted	$	0.25	$	-0.21	$	-0.07	$	-1.25

STOCK_BASED_COMPENSATION_PLAN_

STOCK BASED COMPENSATION PLAN (Tables)	9 Months Ended
	Sep. 30, 2013
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]	'
Share-based Compensation Arrangement by Share-based Payment Award, Options, Grants in Period, Weighted Average Grant Date Fair Value [Table Text Block]	'
	The weighted-average assumptions for options granted during the nine months ended September 30, 2013 and the resulting estimated weighted average fair value per share is presented below.
		September 30,
		2013
	Assumptions:
	Risk-free interest rate		2.05	%
	Expected dividend yield		-	%
	Expected life (years)		10
	Expected common stock
	market price volatility		65	%
	Estimated fair value per share	$	1.96
Disclosure of Share-based Compensation Arrangements by Share-based Payment Award [Table Text Block]	'
	A summary of option activity under the 2006 Plan for the nine months ended September 30, 2013 is presented below:
							Weighted
					Weighted		Average
		Number			Average		Remaining	Aggregate
		of			Exercise		Contractual	Intrinsic
		Options			Price		Term	Value
								(Dollars In Thousands)
	Outstanding, beginning of period		392,740		$	9.16
	Granted during period		149,000			2.7
	Terminated during period		-132,390			17.95
	Forfeited during period		-11,350			4.18
	Exercised during period		-200			2.05
	Outstanding, end of period		397,800		$	3.96	8.3	$	449
	Eligible for exercise at period end		85,960		$	7.81	6.9	$	55
Schedule of Nonvested Restricted Stock Units Activity [Table Text Block]	'
	A summary of changes in our non-vested restricted shares for the nine months ended September 30, 2013 is presented below:
					Weighted
					Average
		Non-vested			Grant Date
		Shares			Fair Value
	Outstanding, beginning of period		32,964		$	3.64
	Granted during period		122,972			3.05
	Vested during period		-76,217			3.29
	Terminated during period		-17,250			2.84
	Forfeited during period		-			-
	Outstanding, end of period		62,469		$	3.13

FAIR_VALUE_Tables

FAIR VALUE (Tables)	9 Months Ended
	Sep. 30, 2013
Fair Value Disclosures [Abstract]	'
Fair Value, Assets Measured on Recurring Basis [Table Text Block]	'
	Assets measured at fair value on a recurring basis are summarized below: There were no transfers between Level 1 and Level 2 during the periods presented.
				Quoted Prices in
				Active Markets for			Significant Other		Significant
		September 30,		Identical Assets			Observable Inputs		Unobservable Inputs
	(Dollars in thousands)	2013		(Level 1)			(Level 2)		(Level 3)
	Assets:
	Government-sponsored	$	114,550	$	-		$	114,550	$	-
	mortgage-backed
	residential
	Government-sponsored		77,742		-			77,742		-
	collateralized mortgage
	obligations
	Asset backed-		32,656		-			32,656		-
	collateralized loan
	obligations
	State and municipal		12,666		-			12,666		-
	Corporate bonds		52,569		-			52,569		-
	Total	$	290,183	$	-		$	290,183	$	-
				Quoted Prices in
				Active Markets for			Significant Other		Significant
		December 31,		Identical Assets			Observable Inputs		Unobservable Inputs
	(Dollars in thousands)	2012		(Level 1)			(Level 2)		(Level 3)
	Assets:
	U.S. Treasury and agencies	$	8,278	$	-		$	8,278	$	-
	Government-sponsored		144,889		-			144,889		-
	mortgage-backed
	residential
	Government-sponsored		150,147		-			150,147		-
	collateralized mortgage
	obligations
	Private asset backed		5,132		-			5,132		-
	State and municipal		12,718		-			12,718		-
	Corporate bonds		32,967		-			32,967		-
	Total	$	354,131	$	-		$	354,131	$	-
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Table Text Block]	'
	The table below presents a reconciliation for all assets measured at fair value on a recurring basis using significant unobservable inputs (Level 3) for the periods ended September 30, 2012. The level 3 assets consist of trust preferred securities which were called or sold in the fourth quarter of 2012. We did not have any Level 3 assets measured at fair value on a recurring basis at September 30, 2013.
		Fair Value Measurements		Fair Value Measurements
		Using Significant		Using Significant
		Unobservable Inputs		Unobservable Inputs
		(Level 3)		(Level 3)
		Three Months Ended		Nine Months Ended
		September 30,		September 30,
	(Dollars in thousands)	2012		2012
	Beginning balance	$	266	$	264
	Total gains or losses:
	Impairment charges on securities		-		-
	Included in other comprehensive income		16		18
	Purchases		-		-
	Sales or calls		-1		-1
	Settlements		-		-
	Transfers in and/or out of Level 3		-		-
	Ending balance	$	281	$	281
Fair Value, Assets and Liabilities Measured on Nonrecurring Basis [Table Text Block]	'
	Assets measured at fair value on a nonrecurring basis are summarized below:
				Quoted Prices in
				Active Markets for			Significant Other		Significant
		September 30,		Identical Assets			Observable Inputs		Unobservable Inputs
	(Dollars in thousands)	2013		(Level 1)			(Level 2)		(Level 3)
	Assets:
	Impaired loans:
	Commercial	$	183	$	-		$	-	$	183
	Commercial Real Estate:
	Land Development		1,191		-			-		1,191
	Other		13,433		-			-		13,433
	Residential Mortgage		422		-			-		422
	Consumer and Home Equity		212		-			-		212
	Real estate acquired through foreclosure:
	Commercial Real Estate:
	Land Development		918		-			-		918
	Other		2,951		-			-		2,951
	Residential Mortgage		483		-			-		483
				Quoted Prices in
				Active Markets for			Significant Other		Significant
		December 31,		Identical Assets			Observable Inputs		Unobservable Inputs
	(Dollars in thousands)	2012		(Level 1)			(Level 2)		(Level 3)
	Assets:
	Impaired loans:
	Commercial	$	231	$	-		$	-	$	231
	Commercial Real Estate:
	Land Development		1,775		-			-		1,775
	Other		12,560		-			-		12,560
	Residential Mortgage		127		-			-		127
	Consumer and Home Equity		137		-			-		137
	Real estate acquired through foreclosure:
	Commercial Real Estate:
	Land Development		2,459		-			-		2,459
	Building Lots		2,220		-			-		2,220
	Other		8,350		-			-		8,350
	Residential Mortgage		224		-			-		224
Fair Value Inputs, Assets, Quantitative Information [Table Text Block]	'
	The following table presents quantitative information about level 3 fair value measurements for financial instruments measured at fair value on a non-recurring basis at September 30, 2013.
		Fair		Valuation		Unobservable		Range (Weighted
	(Dollars in thousands)	Value		Technique(s)		Input(s)		Average)
	Impaired loans:
	Commercial	$	183	Income approach		Discount or capitalization rate		1.25% (1)
	Commercial Real Estate:
	Land Development		1,191	Income approach		Discount or capitalization rate		0.00%-25.00% (23.23%)
	Other		12,435	Income approach		Discount or capitalization rate		1.25%-9.00% (8.73%)
			998	Sales comparison approach		Adjustment for differences between		0.00%-10.00% (2.29%)
						comparable sales
	Residential Mortgage		422	Sales comparison approach		Adjustment for differences between		0.00%-3.87% (1.07%)
						comparable sales
	Consumer and Home Equity		212	Sales comparison approach		Adjustment for differences between		1.80%-2.25% (1.87%)
						comparable sales
	Real estate acquired through foreclosure:
	Commercial Real Estate:
	Land Development		886	Income approach		Discount or capitalization rate		8.50%-29.00% (23.97%)
			32	Sales comparison approach		Adjustment for differences between		0.00% (1)
						comparable sales
	Other		1,009	Income approach		Discount or capitalization rate		8.70%-10.00% (9.61%)
			1,942	Sales comparison approach		Adjustment for differences between		2.75%-20.00% (15.24%)
						comparable sales
	Residential Mortgage		483	Sales comparison approach		Adjustment for differences between		0.00%-18.00% (0.82%)
						comparable sales
	(1) Unobservable inputs with a single discount listed include only one property.
Fair Value, by Balance Sheet Grouping [Table Text Block]	'
	The estimated fair value of financial instruments, not previously presented, is as follows:
				September 30, 2013
	(Dollars in thousands)	Carrying		Fair Value Measurements
		Value		Total			Level 1		Level 2		Level 3
	Financial assets:
	Cash and due from banks	$	31,517	$	31,517		$	5,970	$	25,547	$	-
	Mortgage loans held for sale		1,068		1,085			-		1,085		-
	Loans, net		448,366		452,066			-		-		452,066
	Accrued interest receivable		2,283		2,283			-		-		2,283
	FHLB stock		4,430		N/A			N/A		N/A		N/A
	Financial liabilities:
	Deposits		746,878		708,766			-		708,766		-
	Advances from Federal Home Loan Bank		38,424		39,445			-		39,445		-
	Subordinated debentures		18,000		12,200			-		-		12,200
	Accrued interest payable		4,137		4,137			-		4,137		-
				December 31, 2012
	(Dollars in thousands)	Carrying		Fair Value Measurements
		Value		Total			Level 1		Level 2		Level 3
	Financial assets:
	Cash and due from banks	$	63,103	$	63,103		$	6,468	$	56,635	$	-
	Mortgage loans held for sale		3,887		3,967			-		3,967		-
	Loans, net		492,740		493,998			-		-		493,998
	Accrued interest receivable		2,690		2,690			-		-		2,690
	FHLB stock		4,805		N/A			N/A		N/A		N/A
	Financial liabilities:
	Deposits		922,620		934,637			-		934,637		-
	Advances from Federal Home Loan Bank		12,596		13,944			-		13,944		-
	Subordinated debentures		18,000		12,695			-		-		12,695
	Accrued interest payable		3,121		3,121			-		3,121		-

STOCKHOLDERS_EQUITY_Tables

STOCKHOLDERS' EQUITY (Tables)	9 Months Ended
	Sep. 30, 2013
Equity [Abstract]	'
Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations [Table Text Block]	'
	Our actual and required capital amounts and ratios are presented below.
	(Dollars in thousands)						For Capital					Required by
		Actual					Adequacy Purposes					Consent Order
	As of September 30, 2013:	Amount		Ratio			Amount		Ratio			Amount		Ratio
	Total risk-based capital (to risk-weighted assets)
	Consolidated	$	68,533		11.88	%	$	46,164		8	%	$	69,246	12	%
	Bank		75,542		13.09			46,161		8			69,241	12
	Tier I capital (to risk-weighted assets)
	Consolidated		57,677		10			23,082		4			N/A	N/A
	Bank		68,258		11.83			23,080		4			N/A	N/A
	Tier I capital (to average assets)
	Consolidated		57,677		6.6			34,962		4			78,665	9
	Bank		68,258		7.8			35,015		4			78,783	9
	(Dollars in thousands)						For Capital					Required by
		Actual					Adequacy Purposes					Consent Order
	As of December 31, 2012:	Amount		Ratio			Amount		Ratio				Amount	Ratio
	Total risk-based capital (to risk-weighted assets)
	Consolidated	$	68,791		11.36	%	$	48,438		8	%	$	72,657	12	%
	Bank		73,951		12.21			48,439		8			72,658	12
	Tier I capital (to risk-weighted assets)
	Consolidated		57,471		9.49			24,219		4			N/A	N/A
	Bank		66,256		10.94			24,219		4			N/A	N/A
	Tier I capital (to average assets)
	Consolidated		57,471		5.67			40,580		4			91,304	9
	Bank		66,256		6.53			40,608		4			91,368	9

CHANGES_IN_AND_RECLASSIFICATIO1

CHANGES IN AND RECLASSIFICATIONS FROM ACCUMULATED OTHER COMPREHENSIVE INCOME (Tables)	9 Months Ended
	Sep. 30, 2013
Stockholders' Equity Note [Abstract]	'
Schedule of Available-for-sale Securities in Accumulated Other Comprehensive Income (Loss) [Table Text Block]	'
	Changes in accumulated other comprehensive income by component consists of the following:
		Three Months Ended		Nine Months Ended
		September 30, 2013		September 30, 2013
		Unrealized Gains		Unrealized Gains
		and Losses on		and Losses on
		Available-for-Sale		Available-for-Sale
	(Dollars in thousands)	Securities (1)		Securities (1)
	Beginning balance	$	-7,285	$	1,270
	Other comprehensive income (loss) before reclassification		-1,438		-9,766
	Amounts reclassified from accumulated other comprehensive income		-12		-239
	Net other comprehensive income (loss)		-1,450		-10,005
	Ending balance	$	-8,735	$	-8,735
	(1) All amounts are net of tax.
Schedule of Available-for-sale Securities Reclassifications Out of Accumulated Other Comprehensive Income [Table Text Block]	'
	Reclassifications out of accumulated other comprehensive income consists of the following:
	Three months ended September 30, 2013
	(Dollars in thousands)
		Amount
	Details about	Reclassified From		Affected Line Item
	Accumulated Other	Accumulated Other		in the
	Comprehensive	Comprehensive		Consolidated
	Income Components	Income		Statement of Operations
	Unrealized gains and losses	$	235		Gain on sale of investments
	on available-for-sale securities
			-223		Loss on sale of investments
			12		Total before tax
			-		Income taxes/(benefits)
	Total amount reclassified	$	12		Net income (loss)
	Nine months ended September 30, 2013
	(Dollars in thousands)
		Amount
	Details about	Reclassified From		Affected Line Item
	Accumulated Other	Accumulated Other		in the
	Comprehensive	Comprehensive		Consolidated
	Income Components	Income		Statement of Operations
	Unrealized gains and losses
	on available-for-sale securities	$	1,078		Gain on sale of investments
			-839		Loss on sale of investments
			239		Total before tax
			-		Income taxes/(benefits)
	Total amount reclassified	$	239		Net income (loss)

REGULATORY_MATTERS_Details_Tex

REGULATORY MATTERS (Details Textual) (USD $)	1 Months Ended	9 Months Ended
	Jul. 06, 2012	Sep. 30, 2013	Sep. 30, 2012	Dec. 31, 2012	Jan. 01, 2011
Capital to Risk Weighted Assets	'	13.09%	'	'	12.00%
Tier One Risk Based Capital to Risk Weighted Assets	'	'	'	'	9.00%
Proceeds from Sale of Property, Plant, and Equipment	$887,000	$522,000	$1,575,000	'	'
Proceeds from Sale of Other Property, Plant, and Equipment	367,000	'	'	'	'
Tier 1 Capital to Total Assets	'	7.80%	'	'	'
Interest-bearing Deposit Liabilities, Total	'	666,570,000	'	846,778,000	'
Non Brokered Interest Bearing Deposit Liabilities	115,400,000	'	'	'	'
Performing Financing Receivable [Member]	'	'	'	'	'
Proceeds from Sale of Loans Receivable	30,400,000	'	'	'	'
Percentage of Sale of Loans Receivable at Discount	0.80%	'	'	'	'
Gain (Loss) on Sale of Loans and Leases	3,100,000	'	'	'	'
Consumer and Commercial [Member]	'	'	'	'	'
Interest-bearing Deposit Liabilities, Total	102,300,000	'	'	'	'
Government Corporate Other Financial Institution and Municipal Deposits [Member]	'	'	'	'	'
Non Brokered Interest Bearing Deposit Liabilities	$13,100,000	'	'	'	'
First Savings Bank [Member]	'	'	'	'	'
Premium Percentage of Proceeds from Sale of Property Plant and Equipment	3.65%	'	'	'	'

SECURITIES_Details

SECURITIES (Details) (USD $)	9 Months Ended	12 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Dec. 31, 2012
Amortized Cost, Securities available-for-sale	$296,360	$350,303
Gross Unrealized Gains, Securities available-for-sale	980	4,722
Gross Unrealized Losses,Securities available-for-sale	-7,157	-894
Fair Value, Securities available-for-sale	290,183	354,131
U.S. Treasury and Agencies [Member]	'	'
Amortized Cost, Securities available-for-sale	'	8,284
Gross Unrealized Gains, Securities available-for-sale	'	7
Gross Unrealized Losses,Securities available-for-sale	'	-13
Fair Value, Securities available-for-sale	'	8,278
Government-sponsored mortgage-backed Residential [Member]	'	'
Amortized Cost, Securities available-for-sale	119,475	144,617
Gross Unrealized Gains, Securities available-for-sale	35	774
Gross Unrealized Losses,Securities available-for-sale	-4,960	-502
Fair Value, Securities available-for-sale	114,550	144,889
Government-sponsored collateralized mortgage obligations [Member]	'	'
Amortized Cost, Securities available-for-sale	78,732	148,460
Gross Unrealized Gains, Securities available-for-sale	300	2,033
Gross Unrealized Losses,Securities available-for-sale	-1,290	-346
Fair Value, Securities available-for-sale	77,742	150,147
Asset backed-collateralized loan obligations [Member]	'	'
Amortized Cost, Securities available-for-sale	33,102	4,981
Gross Unrealized Gains, Securities available-for-sale	0	151
Gross Unrealized Losses,Securities available-for-sale	-446	0
Fair Value, Securities available-for-sale	32,656	5,132
State and Municipal [Member]	'	'
Amortized Cost, Securities available-for-sale	12,257	11,394
Gross Unrealized Gains, Securities available-for-sale	423	1,324
Gross Unrealized Losses,Securities available-for-sale	-14	0
Fair Value, Securities available-for-sale	12,666	12,718
Corporate Bonds [Member]	'	'
Amortized Cost, Securities available-for-sale	52,794	32,567
Gross Unrealized Gains, Securities available-for-sale	222	433
Gross Unrealized Losses,Securities available-for-sale	-447	-33
Fair Value, Securities available-for-sale	$52,569	$32,967

SECURITIES_Details_1

SECURITIES (Details 1) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Amortized Cost Due after one year or less	$3,064	'
Amortized Cost Due after one year through five years	49,485	'
Amortized Cost Due after five years through ten years	4,751	'
Amortized Cost Due after ten years	7,751	'
Available For Sale Securities Amortized Cost	296,360	350,303
Fair Value Due after one year or less	3,068	'
Fair Value Due after one year through five years	49,406	'
Fair Value Due after five years through ten years	4,624	'
Fair Value Due after ten years	8,137	'
Fair Value Available for Sale	290,183	354,131
Government-sponsored mortgage-backed residential [Member]	'	'
Available For Sale Securities Amortized Cost	119,475	'
Fair Value Available for Sale	114,550	'
Government-sponsored collateralized mortgage obligations [Member]	'	'
Available For Sale Securities Amortized Cost	78,732	148,460
Fair Value Available for Sale	77,742	150,147
Private Asset Backed [Member]	'	'
Available For Sale Securities Amortized Cost	33,102	4,981
Fair Value Available for Sale	$32,656	$5,132

SECURITIES_Details_2

SECURITIES (Details 2) (USD $)	3 Months Ended		9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
Proceeds from sales	$24,295	$127,569	$125,351	$214,830
Gross realized gains	235	2,054	1,078	3,363
Gross realized losses	$223	$350	$839	$653

SECURITIES_Details_3

SECURITIES (Details 3) (USD $)	9 Months Ended	12 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Dec. 31, 2012
Fair Value, Less than 12 Months	$204,707	$124,398
Unrealized Loss, Less than 12 Months	-6,528	-894
Fair Value, 12 Months or More	15,397	0
Unrealized Loss, 12 Months or More	-629	0
Fair Value, Total	220,104	124,398
Unrealized Loss, Total	-7,157	-894
U.S. Treasury and Agencies [Member]	'	'
Fair Value, Less than 12 Months	'	3,255
Unrealized Loss, Less than 12 Months	'	-13
Fair Value, 12 Months or More	'	0
Unrealized Loss, 12 Months or More	'	0
Fair Value, Total	'	3,255
Unrealized Loss, Total	'	-13
Government-sponsored mortgage-backed residential [Member]	'	'
Fair Value, Less than 12 Months	103,205	82,137
Unrealized Loss, Less than 12 Months	-4,608	-502
Fair Value, 12 Months or More	8,658	0
Unrealized Loss, 12 Months or More	-352	0
Fair Value, Total	111,863	82,137
Unrealized Loss, Total	-4,960	-502
Government-sponsored collateralized mortgage obligations [Member]	'	'
Fair Value, Less than 12 Months	40,463	33,275
Unrealized Loss, Less than 12 Months	-1,013	-346
Fair Value, 12 Months or More	6,739	0
Unrealized Loss, 12 Months or More	-277	0
Fair Value, Total	47,202	33,275
Unrealized Loss, Total	-1,290	-346
Corporate Bonds [Member]	'	'
Fair Value, Less than 12 Months	24,769	5,731
Unrealized Loss, Less than 12 Months	-447	-33
Fair Value, 12 Months or More	0	0
Unrealized Loss, 12 Months or More	0	0
Fair Value, Total	24,769	5,731
Unrealized Loss, Total	-447	-33
Asset backed-collateralized loan obligations [Member]	'	'
Fair Value, Less than 12 Months	32,656	'
Unrealized Loss, Less than 12 Months	-446	'
Fair Value, 12 Months or More	0	'
Unrealized Loss, 12 Months or More	0	'
Fair Value, Total	32,656	'
Unrealized Loss, Total	-446	'
State and Municipal [Member]	'	'
Fair Value, Less than 12 Months	3,614	'
Unrealized Loss, Less than 12 Months	-14	'
Fair Value, 12 Months or More	0	'
Unrealized Loss, 12 Months or More	0	'
Fair Value, Total	3,614	'
Unrealized Loss, Total	($14)	'

SECURITIES_Details_4

SECURITIES (Details 4) (USD $)	3 Months Ended	9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2012	Sep. 30, 2012
Beginning balance	$2,104	$2,078
Increases to the amount related to the credit loss for which other-than-temporary impairment was previously recognized	0	26
Sales/call of securities	-628	-628
Ending balance	$1,476	$1,476

SECURITIES_Details_Textual

SECURITIES (Details Textual) (USD $)	12 Months Ended
	Dec. 31, 2012	Sep. 30, 2013
Federal Home Loan Bank, Advances, Disclosures, Collateral Pledged Amortized Cost	$130,400,000	$145,300,000
Federal Home Loan Bank, Advances, Disclosures, Collateral Pledged Fair Value	132,300,000	142,600,000
Other than Temporary Impairment Losses, Investments, Portion Recognized in Earnings	$26,000	'

LOANS_Details

LOANS (Details) (USD $)	Sep. 30, 2013	Jun. 30, 2013	Dec. 31, 2012	Sep. 30, 2012	Jun. 30, 2012	Dec. 31, 2011
In Thousands, unless otherwise specified
Loans and Leases Receivable, Gross, Carrying Amount	$476,104	'	$524,940	'	'	'
Less:	'	'	'	'	'	'
Net deferred loan origination fees	-73	'	-105	'	'	'
Allowance for loan losses	-12,224	-15,947	-17,265	-17,824	-15,300	-17,181
Loans and Leases Receivable Adjustments Total	-12,297	'	-17,370	'	'	'
Net loans	463,807	'	507,570	'	'	'
Development and Building Lots [Member]	'	'	'	'	'	'
Loans and Leases Receivable, Gross, Carrying Amount	263,509	'	290,424	'	'	'
Land Development [Member]	'	'	'	'	'	'
Loans and Leases Receivable, Gross, Carrying Amount	22,395	'	28,310	'	'	'
Building Lots [Member]	'	'	'	'	'	'
Loans and Leases Receivable, Gross, Carrying Amount	1,599	'	2,151	'	'	'
Residential mortgage [Member]	'	'	'	'	'	'
Loans and Leases Receivable, Gross, Carrying Amount	101,281	'	110,025	'	'	'
Less:	'	'	'	'	'	'
Allowance for loan losses	-364	-375	-501	-789	-803	-922
Consumer and home equity [Member]	'	'	'	'	'	'
Loans and Leases Receivable, Gross, Carrying Amount	53,988	'	57,888	'	'	'
Less:	'	'	'	'	'	'
Allowance for loan losses	-360	-396	-442	-471	-525	-610
Commercial [Member]	'	'	'	'	'	'
Loans and Leases Receivable, Gross, Carrying Amount	20,394	'	19,931	'	'	'
Less:	'	'	'	'	'	'
Allowance for loan losses	-1,047	-908	-1,236	-1,232	-1,483	-1,422
Indirect consumer [Member]	'	'	'	'	'	'
Loans and Leases Receivable, Gross, Carrying Amount	12,938	'	16,211	'	'	'
Less:	'	'	'	'	'	'
Allowance for loan losses	($202)	($214)	($271)	($303)	($320)	($397)

LOANS_Details_1

LOANS (Details 1) (USD $)	3 Months Ended		9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
Beginning Balance	$15,947	$15,300	$17,265	$17,181
Provision for loan losses	-500	2,671	-1,325	4,598
Change in allowance associated with probable branch divestitures	'	201	'	-468
Charge-offs	-3,353	-471	-4,054	-3,799
Recoveries	130	123	338	312
Total ending allowance balance	12,224	17,824	12,224	17,824
Commercial Loan [Member]	'	'	'	'
Beginning Balance	908	1,483	1,236	1,422
Provision for loan losses	177	-156	-95	66
Change in allowance associated with probable branch divestitures	'	18	'	-7
Charge-offs	-48	-126	-142	-313
Recoveries	10	13	48	64
Total ending allowance balance	1,047	1,232	1,047	1,232
Commercial Real Estate [Member]	'	'	'	'
Beginning Balance	14,054	12,169	14,815	13,830
Provision for loan losses	-790	2,831	-1,175	4,504
Change in allowance associated with probable branch divestitures	'	212	'	-369
Charge-offs	-3,076	-234	-3,528	-3,038
Recoveries	63	51	139	102
Total ending allowance balance	10,251	15,029	10,251	15,029
Residential Mortgage [Member]	'	'	'	'
Beginning Balance	375	803	501	922
Provision for loan losses	49	16	-81	-36
Change in allowance associated with probable branch divestitures	'	-30	'	-36
Charge-offs	-73	0	-73	-62
Recoveries	13	0	17	1
Total ending allowance balance	364	789	364	789
Consumer and Home Equity [Member]	'	'	'	'
Beginning Balance	396	525	442	610
Provision for loan losses	67	37	90	135
Change in allowance associated with probable branch divestitures	'	1	'	-56
Charge-offs	-111	-53	-209	-229
Recoveries	8	-39	37	11
Total ending allowance balance	360	471	360	471
Indirect Consumer [Member]	'	'	'	'
Beginning Balance	214	320	271	397
Provision for loan losses	-3	-57	-64	-71
Change in allowance associated with probable branch divestitures	'	0	'	0
Charge-offs	-45	-58	-102	-157
Recoveries	36	98	97	134
Total ending allowance balance	$202	$303	$202	$303

LOANS_Details_2

LOANS (Details 2) (USD $)	Sep. 30, 2013	Jun. 30, 2013	Dec. 31, 2012	Sep. 30, 2012	Jun. 30, 2012	Dec. 31, 2011
In Thousands, unless otherwise specified
Individually evaluated for impairment	$3,866	'	$7,982	$8,709	'	'
Collectively evaluated for impairment	8,358	'	9,283	9,115	'	'
Loans held for sale	'	'	'	0	'	'
Total ending allowance balance	12,224	15,947	17,265	17,824	15,300	17,181
Loans individually evaluated for impairment	45,617	'	44,985	60,089	'	'
Loans collectively evaluated for impairment	430,487	'	479,955	513,301	'	'
Loans held for sale	'	'	'	-46,852	'	'
Total ending loans balance	476,104	'	524,940	526,538	'	'
Commercial Loan [Member]	'	'	'	'	'	'
Individually evaluated for impairment	197	'	252	229	'	'
Collectively evaluated for impairment	850	'	984	1,003	'	'
Loans held for sale	'	'	'	0	'	'
Total ending allowance balance	1,047	908	1,236	1,232	1,483	1,422
Loans individually evaluated for impairment	1,353	'	1,071	1,029	'	'
Loans collectively evaluated for impairment	19,041	'	18,860	20,070	'	'
Loans held for sale	'	'	'	-775	'	'
Total ending loans balance	20,394	'	19,931	20,324	'	'
Commercial Real Estate [Member]	'	'	'	'	'	'
Individually evaluated for impairment	3,550	'	7,593	8,000	'	'
Collectively evaluated for impairment	6,701	'	7,222	7,029	'	'
Loans held for sale	'	'	'	0	'	'
Total ending allowance balance	10,251	14,054	14,815	15,029	12,169	13,830
Loans individually evaluated for impairment	40,629	'	43,513	57,655	'	'
Loans collectively evaluated for impairment	246,874	'	277,372	303,891	'	'
Loans held for sale	'	'	'	-36,878	'	'
Total ending loans balance	287,503	'	320,885	324,668	'	'
Residential Mortgage [Member]	'	'	'	'	'	'
Individually evaluated for impairment	68	'	86	378	'	'
Collectively evaluated for impairment	296	'	415	411	'	'
Loans held for sale	'	'	'	0	'	'
Total ending allowance balance	364	375	501	789	803	922
Loans individually evaluated for impairment	3,015	'	213	1,093	'	'
Loans collectively evaluated for impairment	98,266	'	109,812	112,800	'	'
Loans held for sale	'	'	'	-3,583	'	'
Total ending loans balance	101,281	'	110,025	110,310	'	'
Consumer and Home Equity[Member]	'	'	'	'	'	'
Individually evaluated for impairment	51	'	51	95	'	'
Collectively evaluated for impairment	309	'	391	376	'	'
Loans held for sale	'	'	'	0	'	'
Total ending allowance balance	360	'	442	471	'	'
Loans individually evaluated for impairment	620	'	188	255	'	'
Loans collectively evaluated for impairment	53,368	'	57,700	58,117	'	'
Loans held for sale	'	'	'	-5,616	'	'
Total ending loans balance	53,988	'	57,888	52,756	'	'
Indirect Consumer [Member]	'	'	'	'	'	'
Individually evaluated for impairment	0	'	0	7	'	'
Collectively evaluated for impairment	202	'	271	296	'	'
Loans held for sale	'	'	'	0	'	'
Total ending allowance balance	202	214	271	303	320	397
Loans individually evaluated for impairment	0	'	0	57	'	'
Loans collectively evaluated for impairment	12,938	'	16,211	18,423	'	'
Loans held for sale	'	'	'	0	'	'
Total ending loans balance	$12,938	'	$16,211	$18,480	'	'

LOANS_Details_3

LOANS (Details 3) (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 Financing Receivable With Related Allowance Unpaid Principal Balance	$51,582	$66,952	$51,582	$66,952	$51,593
Impaired Financing Receivable With Related Allowance Recorded Investment	45,617	60,089	45,617	60,089	44,985
Impaired Financing Receivable, Allowance for Loan Losses Allocated	3,866	8,709	3,866	8,709	7,982
Impaired Financing Receivable, With Related Allowance, Average Recorded Investment	43,323	59,712	43,254	60,542	57,430
Impaired Financing Receivable, With Related Allowance, Interest Income Recognized	455	595	1,342	1,713	2,179
Impaired Financing Receivable, With Related Allowance, Interest Income, Cash Basis Recognized	455	595	1,342	1,713	2,179
Commercial Loan [Member]	'	'	'	'	'
Impaired Financing Receivable With No Related Allowance Unpaid Principal Balance	1,177	844	1,177	844	588
Impaired Financing Receivable With No Related Allowance Recorded Investment	973	722	973	722	588
Impaired Financing Receivable, With No Related Allowance, Average Recorded Investment	1,001	857	815	1,191	1,070
Impaired Financing Receivable, With No Related Allowance, Interest Income Recognized	9	6	18	34	39
Impaired Financing Receivable, With No Related Allowance, Interest Income, Cash Basis Interest Recognized	9	6	18	34	39
Impaired Financing Receivable With Related Allowance Unpaid Principal Balance	380	307	380	307	483
Impaired Financing Receivable With Related Allowance Recorded Investment	380	307	380	307	483
Impaired Financing Receivable, Allowance for Loan Losses Allocated	197	229	197	229	252
Impaired Financing Receivable, With Related Allowance, Average Recorded Investment	283	356	310	584	564
Impaired Financing Receivable, With Related Allowance, Interest Income Recognized	2	3	7	17	21
Impaired Financing Receivable, With Related Allowance, Interest Income, Cash Basis Recognized	2	3	7	17	21
Land Improvements [Member]	'	'	'	'	'
Impaired Financing Receivable With No Related Allowance Unpaid Principal Balance	2,220	8,780	2,220	8,780	5,595
Impaired Financing Receivable With No Related Allowance Recorded Investment	2,195	6,290	2,195	6,290	4,873
Impaired Financing Receivable, With No Related Allowance, Average Recorded Investment	2,253	6,031	3,125	5,941	5,728
Impaired Financing Receivable, With No Related Allowance, Interest Income Recognized	27	71	114	177	237
Impaired Financing Receivable, With No Related Allowance, Interest Income, Cash Basis Interest Recognized	27	71	114	177	237
Impaired Financing Receivable With Related Allowance Unpaid Principal Balance	2,206	1,950	2,206	1,950	2,674
Impaired Financing Receivable With Related Allowance Recorded Investment	2,206	1,950	2,206	1,950	2,674
Impaired Financing Receivable, Allowance for Loan Losses Allocated	1,015	316	1,015	316	899
Impaired Financing Receivable, With Related Allowance, Average Recorded Investment	2,568	1,345	2,621	2,377	2,436
Impaired Financing Receivable, With Related Allowance, Interest Income Recognized	31	16	95	71	101
Impaired Financing Receivable, With Related Allowance, Interest Income, Cash Basis Recognized	31	16	95	71	101
Buildings Lot [Member]	'	'	'	'	'
Impaired Financing Receivable With No Related Allowance Unpaid Principal Balance	477	1,036	477	1,036	477
Impaired Financing Receivable With No Related Allowance Recorded Investment	212	683	212	683	212
Impaired Financing Receivable, With No Related Allowance, Average Recorded Investment	212	857	212	959	810
Impaired Financing Receivable, With No Related Allowance, Interest Income Recognized	0	7	0	13	14
Impaired Financing Receivable, With No Related Allowance, Interest Income, Cash Basis Interest Recognized	0	7	0	13	14
Impaired Financing Receivable With Related Allowance Unpaid Principal Balance	0	0	0	0	0
Impaired Financing Receivable With Related Allowance Recorded Investment	0	0	0	0	0
Impaired Financing Receivable, Allowance for Loan Losses Allocated	0	0	0	0	0
Impaired Financing Receivable, With Related Allowance, Average Recorded Investment	0	0	0	238	191
Impaired Financing Receivable, With Related Allowance, Interest Income Recognized	0	0	0	3	3
Impaired Financing Receivable, With Related Allowance, Interest Income, Cash Basis Recognized	0	0	0	3	3
Commercial Real Estate Other Receivable [Member]	'	'	'	'	'
Impaired Financing Receivable With No Related Allowance Unpaid Principal Balance	25,475	18,577	25,475	18,577	22,121
Impaired Financing Receivable With No Related Allowance Recorded Investment	20,048	15,911	20,048	15,911	16,500
Impaired Financing Receivable, With No Related Allowance, Average Recorded Investment	14,964	22,319	14,042	27,189	25,051
Impaired Financing Receivable, With No Related Allowance, Interest Income Recognized	161	222	444	781	961
Impaired Financing Receivable, With No Related Allowance, Interest Income, Cash Basis Interest Recognized	161	222	444	781	961
Impaired Financing Receivable With Related Allowance Unpaid Principal Balance	15,970	34,027	15,970	34,027	19,254
Impaired Financing Receivable With Related Allowance Recorded Investment	15,968	32,821	15,968	32,821	19,254
Impaired Financing Receivable, Allowance for Loan Losses Allocated	2,535	7,684	2,535	7,684	6,694
Impaired Financing Receivable, With Related Allowance, Average Recorded Investment	18,183	26,524	18,980	20,281	20,075
Impaired Financing Receivable, With Related Allowance, Interest Income Recognized	195	264	599	583	772
Impaired Financing Receivable, With Related Allowance, Interest Income, Cash Basis Recognized	195	264	599	583	772
Residential Mortgage [Member]	'	'	'	'	'
Impaired Financing Receivable With No Related Allowance Unpaid Principal Balance	2,525	0	2,525	0	0
Impaired Financing Receivable With No Related Allowance Recorded Investment	2,525	0	2,525	0	0
Impaired Financing Receivable, With No Related Allowance, Average Recorded Investment	2,733	0	2,212	0	0
Impaired Financing Receivable, With No Related Allowance, Interest Income Recognized	21	0	45	0	0
Impaired Financing Receivable, With No Related Allowance, Interest Income, Cash Basis Interest Recognized	21	0	45	0	0
Impaired Financing Receivable With Related Allowance Unpaid Principal Balance	514	1,119	514	1,119	213
Impaired Financing Receivable With Related Allowance Recorded Investment	490	1,093	490	1,093	213
Impaired Financing Receivable, Allowance for Loan Losses Allocated	68	378	68	378	86
Impaired Financing Receivable, With Related Allowance, Average Recorded Investment	484	1,096	375	1,436	1,191
Impaired Financing Receivable, With Related Allowance, Interest Income Recognized	4	5	8	29	24
Impaired Financing Receivable, With Related Allowance, Interest Income, Cash Basis Recognized	4	5	8	29	24
Consumer and Home Equity [Member]	'	'	'	'	'
Impaired Financing Receivable With No Related Allowance Unpaid Principal Balance	357	0	357	0	0
Impaired Financing Receivable With No Related Allowance Recorded Investment	357	0	357	0	0
Impaired Financing Receivable, With No Related Allowance, Average Recorded Investment	376	0	293	0	0
Impaired Financing Receivable, With No Related Allowance, Interest Income Recognized	3	0	6	0	0
Impaired Financing Receivable, With No Related Allowance, Interest Income, Cash Basis Interest Recognized	3	0	6	0	0
Impaired Financing Receivable With Related Allowance Unpaid Principal Balance	281	255	281	255	188
Impaired Financing Receivable With Related Allowance Recorded Investment	263	255	263	255	188
Impaired Financing Receivable, Allowance for Loan Losses Allocated	51	95	51	95	51
Impaired Financing Receivable, With Related Allowance, Average Recorded Investment	266	279	269	278	260
Impaired Financing Receivable, With Related Allowance, Interest Income Recognized	2	1	6	4	6
Impaired Financing Receivable, With Related Allowance, Interest Income, Cash Basis Recognized	2	1	6	4	6
Indirect Consumer [Member]	'	'	'	'	'
Impaired Financing Receivable With No Related Allowance Unpaid Principal Balance	0	0	0	0	0
Impaired Financing Receivable With No Related Allowance Recorded Investment	0	0	0	0	0
Impaired Financing Receivable, With No Related Allowance, Average Recorded Investment	0	0	0	0	0
Impaired Financing Receivable, With No Related Allowance, Interest Income Recognized	0	0	0	0	0
Impaired Financing Receivable, With No Related Allowance, Interest Income, Cash Basis Interest Recognized	0	0	0	0	0
Impaired Financing Receivable With Related Allowance Unpaid Principal Balance	0	57	0	57	0
Impaired Financing Receivable With Related Allowance Recorded Investment	0	57	0	57	0
Impaired Financing Receivable, Allowance for Loan Losses Allocated	0	7	0	7	0
Impaired Financing Receivable, With Related Allowance, Average Recorded Investment	0	48	0	68	54
Impaired Financing Receivable, With Related Allowance, Interest Income Recognized	0	0	0	1	1
Impaired Financing Receivable, With Related Allowance, Interest Income, Cash Basis Recognized	$0	$0	$0	$1	$1

LOANS_Details_4

LOANS (Details 4) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Restructured on Non-Accrual Status	$7,927	$9,753
Restructured on Accrual Status	19,587	22,851
Restructured Loans Past Due Over 90 Days Still Accruing	4,837	0
Loans Past Due Over 90 Days Still Accruing	2,238	0
Non-Accrual Excluding Restructured	6,511	11,702
Commercial Loan [Member]	'	'
Restructured on Non-Accrual Status	0	31
Restructured on Accrual Status	183	221
Restructured Loans Past Due Over 90 Days Still Accruing	0	0
Loans Past Due Over 90 Days Still Accruing	0	0
Non-Accrual Excluding Restructured	434	562
Land Improvements [Member]	'	'
Restructured on Non-Accrual Status	0	675
Restructured on Accrual Status	1,892	3,053
Restructured Loans Past Due Over 90 Days Still Accruing	0	0
Loans Past Due Over 90 Days Still Accruing	0	0
Non-Accrual Excluding Restructured	302	695
Buildings Lot [Member]	'	'
Restructured on Non-Accrual Status	0	0
Restructured on Accrual Status	0	170
Restructured Loans Past Due Over 90 Days Still Accruing	0	0
Loans Past Due Over 90 Days Still Accruing	0	0
Non-Accrual Excluding Restructured	212	212
Commercial Real Estate Other Receivable [Member]	'	'
Restructured on Non-Accrual Status	7,819	9,047
Restructured on Accrual Status	17,223	19,080
Restructured Loans Past Due Over 90 Days Still Accruing	4,837	0
Loans Past Due Over 90 Days Still Accruing	2,238	0
Non-Accrual Excluding Restructured	4,115	9,356
Residential Mortgage [Member]	'	'
Restructured on Non-Accrual Status	108	0
Restructured on Accrual Status	192	303
Restructured Loans Past Due Over 90 Days Still Accruing	0	0
Loans Past Due Over 90 Days Still Accruing	0	0
Non-Accrual Excluding Restructured	1,162	827
Consumer and Home Equity [Member]	'	'
Restructured on Non-Accrual Status	0	0
Restructured on Accrual Status	97	24
Restructured Loans Past Due Over 90 Days Still Accruing	0	0
Loans Past Due Over 90 Days Still Accruing	0	0
Non-Accrual Excluding Restructured	262	37
Indirect Consumer [Member]	'	'
Restructured on Non-Accrual Status	0	0
Restructured on Accrual Status	0	0
Restructured Loans Past Due Over 90 Days Still Accruing	0	0
Loans Past Due Over 90 Days Still Accruing	0	0
Non-Accrual Excluding Restructured	$24	$13

LOANS_Details_5

LOANS (Details 5) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Financing Receivable, Recorded Investment, 30 to 59 Days Past Due	$6,811	$5,810
Financing Receivable, Recorded Investment, 60 to 89 Days Past Due	1,004	2,714
Financing Receivable, Recorded Investment, Equal to Greater than 90 Days Past Due	21,513	16,336
Financing Receivable, Recorded Investment, Total Past Due	29,328	24,860
Financing Receivable, Recorded Investment, Loans Not Past Due	446,776	500,080
Loans and Leases Receivable, Gross, Carrying Amount	476,104	524,940
Commercial Loan [Member]	'	'
Financing Receivable, Recorded Investment, 30 to 59 Days Past Due	0	0
Financing Receivable, Recorded Investment, 60 to 89 Days Past Due	0	95
Financing Receivable, Recorded Investment, Equal to Greater than 90 Days Past Due	434	562
Financing Receivable, Recorded Investment, Total Past Due	434	657
Financing Receivable, Recorded Investment, Loans Not Past Due	19,960	19,274
Loans and Leases Receivable, Gross, Carrying Amount	20,394	19,931
Land Improvements [Member]	'	'
Financing Receivable, Recorded Investment, 30 to 59 Days Past Due	2,206	361
Financing Receivable, Recorded Investment, 60 to 89 Days Past Due	0	0
Financing Receivable, Recorded Investment, Equal to Greater than 90 Days Past Due	302	1,228
Financing Receivable, Recorded Investment, Total Past Due	2,508	1,589
Financing Receivable, Recorded Investment, Loans Not Past Due	19,887	26,721
Loans and Leases Receivable, Gross, Carrying Amount	22,395	28,310
Buildings Lot [Member]	'	'
Financing Receivable, Recorded Investment, 30 to 59 Days Past Due	0	0
Financing Receivable, Recorded Investment, 60 to 89 Days Past Due	0	0
Financing Receivable, Recorded Investment, Equal to Greater than 90 Days Past Due	212	212
Financing Receivable, Recorded Investment, Total Past Due	212	212
Financing Receivable, Recorded Investment, Loans Not Past Due	1,387	1,939
Loans and Leases Receivable, Gross, Carrying Amount	1,599	2,151
Commercial Real Estate Other Receivable [Member]	'	'
Financing Receivable, Recorded Investment, 30 to 59 Days Past Due	3,861	1,264
Financing Receivable, Recorded Investment, 60 to 89 Days Past Due	23	1,239
Financing Receivable, Recorded Investment, Equal to Greater than 90 Days Past Due	19,009	13,449
Financing Receivable, Recorded Investment, Total Past Due	22,893	15,952
Financing Receivable, Recorded Investment, Loans Not Past Due	240,616	274,472
Loans and Leases Receivable, Gross, Carrying Amount	263,509	290,424
Residential Mortgage [Member]	'	'
Financing Receivable, Recorded Investment, 30 to 59 Days Past Due	279	3,588
Financing Receivable, Recorded Investment, 60 to 89 Days Past Due	923	995
Financing Receivable, Recorded Investment, Equal to Greater than 90 Days Past Due	1,270	827
Financing Receivable, Recorded Investment, Total Past Due	2,472	5,410
Financing Receivable, Recorded Investment, Loans Not Past Due	98,809	104,615
Loans and Leases Receivable, Gross, Carrying Amount	101,281	110,025
Consumer and Home Equity [Member]	'	'
Financing Receivable, Recorded Investment, 30 to 59 Days Past Due	324	351
Financing Receivable, Recorded Investment, 60 to 89 Days Past Due	28	255
Financing Receivable, Recorded Investment, Equal to Greater than 90 Days Past Due	262	45
Financing Receivable, Recorded Investment, Total Past Due	614	651
Financing Receivable, Recorded Investment, Loans Not Past Due	53,374	57,237
Loans and Leases Receivable, Gross, Carrying Amount	53,988	57,888
Indirect Consumer [Member]	'	'
Financing Receivable, Recorded Investment, 30 to 59 Days Past Due	141	246
Financing Receivable, Recorded Investment, 60 to 89 Days Past Due	30	130
Financing Receivable, Recorded Investment, Equal to Greater than 90 Days Past Due	24	13
Financing Receivable, Recorded Investment, Total Past Due	195	389
Financing Receivable, Recorded Investment, Loans Not Past Due	12,743	15,822
Loans and Leases Receivable, Gross, Carrying Amount	$12,938	$16,211

LOANS_Details_6

LOANS (Details 6) (USD $)	3 Months Ended		9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
	Number	Number	Number	Number
Financing Receivable, Pre-Modification Outstanding Recorded Investment	$0	$58	$3,586	$6,782
Financing Receivable, Post-Modification Outstanding Recorded Investment	0	58	3,586	6,641
Financing Receivable, Number of Loans	0	1	7	12
Commercial Loan [Member]	'	'	'	'
Financing Receivable, Pre-Modification Outstanding Recorded Investment	0	0	0	1,094
Financing Receivable, Post-Modification Outstanding Recorded Investment	0	0	0	1,094
Financing Receivable, Number of Loans	0	0	0	1
Land Improvements [Member]	'	'	'	'
Financing Receivable, Pre-Modification Outstanding Recorded Investment	0	0	0	4,143
Financing Receivable, Post-Modification Outstanding Recorded Investment	0	0	0	4,002
Financing Receivable, Number of Loans	0	0	0	3
Buildings Lot [Member]	'	'	'	'
Financing Receivable, Pre-Modification Outstanding Recorded Investment	0	0	0	370
Financing Receivable, Post-Modification Outstanding Recorded Investment	0	0	0	370
Financing Receivable, Number of Loans	0	0	0	2
Commercial Real Estate Other Receivable [Member]	'	'	'	'
Financing Receivable, Pre-Modification Outstanding Recorded Investment	0	58	3,512	1,175
Financing Receivable, Post-Modification Outstanding Recorded Investment	0	58	3,512	1,175
Financing Receivable, Number of Loans	0	1	5	6
Residential Mortgage [Member]	'	'	'	'
Financing Receivable, Pre-Modification Outstanding Recorded Investment	0	0	0	0
Financing Receivable, Post-Modification Outstanding Recorded Investment	0	0	0	0
Financing Receivable, Number of Loans	0	0	0	0
Consumer and Home Equity [Member]	'	'	'	'
Financing Receivable, Pre-Modification Outstanding Recorded Investment	0	0	74	0
Financing Receivable, Post-Modification Outstanding Recorded Investment	0	0	74	0
Financing Receivable, Number of Loans	0	0	2	0
Indirect Consumer [Member]	'	'	'	'
Financing Receivable, Pre-Modification Outstanding Recorded Investment	0	0	0	0
Financing Receivable, Post-Modification Outstanding Recorded Investment	$0	$0	$0	$0
Financing Receivable, Number of Loans	0	0	0	0

LOANS_Details_7

LOANS (Details 7) (USD $)	3 Months Ended		9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
	Number	Number	Number	Number
Troubled debt restructurings, Number of Loans	0	0	0	3
Troubled debt restructurings, Recorded investment	$0	$0	$0	$13,346
Commercial Loan [Member]	'	'	'	'
Troubled debt restructurings, Number of Loans	0	0	0	0
Troubled debt restructurings, Recorded investment	0	0	0	0
Land Improvements [Member]	'	'	'	'
Troubled debt restructurings, Number of Loans	0	0	0	2
Troubled debt restructurings, Recorded investment	0	0	0	3,278
Buildings Lot [Member]	'	'	'	'
Troubled debt restructurings, Number of Loans	0	0	0	0
Troubled debt restructurings, Recorded investment	0	0	0	0
Commercial Real Estate Other Receivable [Member]	'	'	'	'
Troubled debt restructurings, Number of Loans	0	0	0	1
Troubled debt restructurings, Recorded investment	0	0	0	10,068
Commercial Real Estate Construction Financing Receivable [Member]	'	'	'	'
Troubled debt restructurings, Number of Loans	0	0	0	0
Troubled debt restructurings, Recorded investment	0	0	0	0
Residential Mortgage [Member]	'	'	'	'
Troubled debt restructurings, Number of Loans	0	0	0	0
Troubled debt restructurings, Recorded investment	0	0	0	0
Consumer and Home Equity [Member]	'	'	'	'
Troubled debt restructurings, Number of Loans	0	0	0	0
Troubled debt restructurings, Recorded investment	0	0	0	0
Indirect Consumer [Member]	'	'	'	'
Troubled debt restructurings, Number of Loans	0	0	0	0
Troubled debt restructurings, Recorded investment	$0	$0	$0	$0

LOANS_Details_8

LOANS (Details 8) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Class of loans	$476,104	$524,940
Not Rated [Member]	'	'
Class of loans	163,512	177,870
Pass [Member]	'	'
Class of loans	244,338	271,881
Special Mention [Member]	'	'
Class of loans	22,456	24,869
Substandard [Member]	'	'
Class of loans	45,798	50,320
Doubtful [Member]	'	'
Class of loans	0	0
Loss [Member]	'	'
Class of loans	0	0
Commercial Loan [Member]	'	'
Class of loans	20,394	19,931
Commercial Loan [Member] | Not Rated [Member]	'	'
Class of loans	0	0
Commercial Loan [Member] | Pass [Member]	'	'
Class of loans	19,041	16,736
Commercial Loan [Member] | Special Mention [Member]	'	'
Class of loans	0	2,000
Commercial Loan [Member] | Substandard [Member]	'	'
Class of loans	1,353	1,195
Commercial Loan [Member] | Doubtful [Member]	'	'
Class of loans	0	0
Commercial Loan [Member] | Loss [Member]	'	'
Class of loans	0	0
Land Improvements [Member]	'	'
Class of loans	22,395	28,310
Land Improvements [Member] | Not Rated [Member]	'	'
Class of loans	0	0
Land Improvements [Member] | Pass [Member]	'	'
Class of loans	14,706	17,744
Land Improvements [Member] | Special Mention [Member]	'	'
Class of loans	3,288	3,059
Land Improvements [Member] | Substandard [Member]	'	'
Class of loans	4,401	7,507
Land Improvements [Member] | Doubtful [Member]	'	'
Class of loans	0	0
Land Improvements [Member] | Loss [Member]	'	'
Class of loans	0	0
Buildings Lot [Member]	'	'
Class of loans	1,599	2,151
Buildings Lot [Member] | Not Rated [Member]	'	'
Class of loans	0	0
Buildings Lot [Member] | Pass [Member]	'	'
Class of loans	931	1,447
Buildings Lot [Member] | Special Mention [Member]	'	'
Class of loans	456	492
Buildings Lot [Member] | Substandard [Member]	'	'
Class of loans	212	212
Buildings Lot [Member] | Doubtful [Member]	'	'
Class of loans	0	0
Buildings Lot [Member] | Loss [Member]	'	'
Class of loans	0	0
Commercial Real Estate Other Receivable [Member]	'	'
Class of loans	263,509	290,424
Commercial Real Estate Other Receivable [Member] | Not Rated [Member]	'	'
Class of loans	0	0
Commercial Real Estate Other Receivable [Member] | Pass [Member]	'	'
Class of loans	209,660	235,954
Commercial Real Estate Other Receivable [Member] | Special Mention [Member]	'	'
Class of loans	17,793	18,297
Commercial Real Estate Other Receivable [Member] | Substandard [Member]	'	'
Class of loans	36,056	36,173
Commercial Real Estate Other Receivable [Member] | Doubtful [Member]	'	'
Class of loans	0	0
Commercial Real Estate Other Receivable [Member] | Loss [Member]	'	'
Class of loans	0	0
Residential Mortgage [Member]	'	'
Class of loans	101,281	110,025
Residential Mortgage [Member] | Not Rated [Member]	'	'
Class of loans	97,421	105,148
Residential Mortgage [Member] | Pass [Member]	'	'
Class of loans	0	0
Residential Mortgage [Member] | Special Mention [Member]	'	'
Class of loans	845	442
Residential Mortgage [Member] | Substandard [Member]	'	'
Class of loans	3,015	4,435
Residential Mortgage [Member] | Doubtful [Member]	'	'
Class of loans	0	0
Residential Mortgage [Member] | Loss [Member]	'	'
Class of loans	0	0
Consumer and Home Equity [Member]	'	'
Class of loans	53,988	57,888
Consumer and Home Equity [Member] | Not Rated [Member]	'	'
Class of loans	53,192	56,593
Consumer and Home Equity [Member] | Pass [Member]	'	'
Class of loans	0	0
Consumer and Home Equity [Member] | Special Mention [Member]	'	'
Class of loans	73	569
Consumer and Home Equity [Member] | Substandard [Member]	'	'
Class of loans	723	726
Consumer and Home Equity [Member] | Doubtful [Member]	'	'
Class of loans	0	0
Consumer and Home Equity [Member] | Loss [Member]	'	'
Class of loans	0	0
Indirect Consumer [Member]	'	'
Class of loans	12,938	16,211
Indirect Consumer [Member] | Not Rated [Member]	'	'
Class of loans	12,899	16,129
Indirect Consumer [Member] | Pass [Member]	'	'
Class of loans	0	0
Indirect Consumer [Member] | Special Mention [Member]	'	'
Class of loans	1	10
Indirect Consumer [Member] | Substandard [Member]	'	'
Class of loans	38	72
Indirect Consumer [Member] | Doubtful [Member]	'	'
Class of loans	0	0
Indirect Consumer [Member] | Loss [Member]	'	'
Class of loans	$0	$0

LOANS_Details_9

LOANS (Details 9) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Performing	$476,104	$524,940
Restructured on Non-Accrual Status	7,927	9,753
Non-accrual	6,511	11,702
Residential Mortgage [Member]	'	'
Performing	101,281	110,025
Restructured on Non-Accrual Status	108	0
Non-accrual	1,162	827
Residential Mortgage [Member] | Performing Financing Receivable [Member]	'	'
Performing	100,011	109,198
Restructured on Non-Accrual Status	'	0
Non-accrual	'	827
Consumer and Home Equity [Member]	'	'
Performing	53,988	57,888
Restructured on Non-Accrual Status	0	0
Non-accrual	262	37
Consumer and Home Equity [Member] | Performing Financing Receivable [Member]	'	'
Performing	53,726	57,851
Restructured on Non-Accrual Status	'	0
Non-accrual	'	37
Indirect Consumer [Member]	'	'
Performing	12,938	16,211
Restructured on Non-Accrual Status	0	0
Non-accrual	24	13
Indirect Consumer [Member] | Performing Financing Receivable [Member]	'	'
Performing	12,914	16,198
Restructured on Non-Accrual Status	'	0
Non-accrual	'	$13

LOANS_Details_Textual

LOANS (Details Textual) (USD $)	3 Months Ended		9 Months Ended
	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012	Dec. 31, 2012
Financing Receivable, Individually Evaluated for Impairment	$45,617,000	$60,089,000	$45,617,000	$60,089,000	$44,985,000
Troubled Debt Restructurings [Member]	'	'	'	'	'
Financing Receivable, Individually Evaluated for Impairment	1,500,000	'	1,500,000	'	3,100,000
Allowance for Loan and Lease Losses, Period Increase (Decrease)	242,000	'	78,000	'	'
Decrease in Provision For Loan And Lease Losses	'	7,000	'	6,000	'
Troubled Debt Restructurings Subsequently Default [Member]	'	'	'	'	'
Increase in Provision For Loan And Lease Losses	'	1,800,000	'	1,700,000	'
Allowance for Doubtful Accounts Receivable, Write-offs	'	$141,000	'	$141,000	'

REAL_ESTATE_ACQUIRED_THROUGH_F2

REAL ESTATE ACQUIRED THROUGH FORECLOSURE (Details) (USD $)	9 Months Ended	12 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Dec. 31, 2012
Beginning balance, January 1,	$22,286	$29,083
Additions	2,262	18,100
Net proceeds from sale of properties	-13,883	-19,250
Writedowns	-1,585	-5,147
Change in valuation allowance	-221	-500
Ending balance	$8,859	$22,286

REAL_ESTATE_ACQUIRED_THROUGH_F3

REAL ESTATE ACQUIRED THROUGH FORECLOSURE (Details 1) (USD $)	3 Months Ended		9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
Beginning balance	$721	$0	$500	$0
Provision	365	0	1,957	0
Writedowns and loss on sale	-365	0	-1,736	0
Ending balance	$721	$0	$721	$0

REAL_ESTATE_ACQUIRED_THROUGH_F4

REAL ESTATE ACQUIRED THROUGH FORECLOSURE (Details Textual) (USD $)	3 Months Ended		9 Months Ended
	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
Property Management Costs	$452,000	$638,000	$1,300,000	$3,300,000

EARNINGS_LOSS_PER_SHARE_Detail

EARNINGS (LOSS) PER SHARE (Details) (USD $)	3 Months Ended		9 Months Ended
In Thousands, except Share data, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
Basic:	'	'	'	'
Net income/(loss)	$1,467	($751)	$463	($5,180)
Less:	'	'	'	'
Preferred stock dividends	-250	-250	-750	-750
Accretion on preferred stock discount	-14	-14	-41	-41
Net income (loss) available to common shareholders	$1,203	($1,015)	($328)	($5,971)
Weighted average common shares (in shares)	4,860,115	4,772,987	4,816,538	4,766,898
Diluted:	'	'	'	'
Weighted average common shares (in shares)	4,905,542	4,772,987	4,816,538	4,766,898
Dilutive effect of stock options and warrants (in shares)	45,000	0	0	0
Weighted average common and incremental shares (in shares)	4,905,000	4,773,000	4,816,000	4,767,000
Earnings (Loss) Per Common Share:	'	'	'	'
Basic (in dollars per share)	$0.25	($0.21)	($0.07)	($1.25)
Diluted (in dollars per share)	$0.25	($0.21)	($0.07)	($1.25)

EARNINGS_LOSS_PER_SHARE_Detail1

EARNINGS (LOSS) PER SHARE (Details Textual)	3 Months Ended
	Sep. 30, 2013
Warrant [Member]	'
Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount	215,983
Employee Stock Option [Member]	'
Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount	238,000

STOCK_BASED_COMPENSATION_PLAN_1

STOCK BASED COMPENSATION PLAN (Details) (USD $)	9 Months Ended
	Sep. 30, 2013
Assumptions:	'
Risk-free interest rate	2.05%
Expected dividend yield	0.00%
Expected life (years)	'10 years
Expected common stock market price volatility	65.00%
Estimated fair value per share (in dollars pe share)	$1.96

STOCK_BASED_COMPENSATION_PLAN_2

STOCK BASED COMPENSATION PLAN (Details 1) (USD $)	3 Months Ended	9 Months Ended
In Thousands, except Share data, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2013
Number of Options Outstanding, beginning of period	'	392,740
Number of Options Granted during period	'	149,000
Number of Options Exercised Terminated during period	-132,390	-132,390
Number of Options Forfeited during period	'	-11,350
Number of Options Exercised during period	'	-200
Number of Options Outstanding, end of period	397,800	397,800
Number of Options Eligible for exercise at period end	'	85,960
Weighted Average Exercise Price Outstanding, beginning of period	'	$9.16
Weighted Average Exercise Price Granted during period	'	$2.70
Weighted Average Exercise Price Terminated during period	'	$17.95
Weighted Average Exercise Price Forfeited during period	'	$4.18
Weighted Average Exercise Price Exercised during period	'	$2.05
Weighted Average Exercise Price Outstanding, end of period	$3.96	$3.96
Weighted Average Exercise Price Eligible for exercise at period end	'	$7.81
Weighted Average Remaining Contractual Term Outstanding, end of period	'	'8 years 3 months 18 days
Weighted Average Remaining Contractual Term Eligible for exercise at period end	'	'6 years 10 months 24 days
Aggregate Intrinsic Value Outstanding, end of period	$449	$449
Aggregate Intrinsic Value Eligible for exercise at period end	$55	$55

STOCK_BASED_COMPENSATION_PLAN_3

STOCK BASED COMPENSATION PLAN (Details 2) (USD $)	9 Months Ended
	Sep. 30, 2013
Non-vested Shares, Outstanding, beginning of period	32,964
Non-vested Shares, Granted during period	122,972
Non-vested Shares, Vested during period	-76,217
Non-vested Shares, Terminated during period	-17,250
Non-vested Shares, Forfeited during period	0
Non-vested Shares, Outstanding, end of period	62,469
Weighted Average Grant Date Fair Value, Outstanding, beginning of period	$3.64
Weighted Average Grant Date Fair Value, Granted during period	$3.05
Weighted Average Grant Date Fair Value, Vested during period	$3.29
Weighted Average Grant Date Fair Value, Terminated during period	$2.84
Weighted Average Grant Date Fair Value, Forfeited during period	$0
Weighted Average Grant Date Fair Value, Outstanding, end of period	$3.13

STOCK_BASED_COMPENSATION_PLAN_4

STOCK BASED COMPENSATION PLAN (Details Textual) (USD $)	3 Months Ended	9 Months Ended	1 Months Ended	9 Months Ended				1 Months Ended	6 Months Ended	9 Months Ended
	Sep. 30, 2013	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012	Feb. 07, 2013	Jun. 30, 2013	Sep. 30, 2013
			Stock Option and Incentive Compensation Plan 2006 [Member]	Stock Option and Incentive Compensation Plan 2006 [Member]	Stock Option and Incentive Compensation Plan 2006 [Member]	Restricted Stock Granted and Incentive Compensation Plan 2006 [Member]	Restricted Stock Granted and Incentive Compensation Plan 2006 [Member]	Restricted Stock [Member]	Restricted Stock [Member]	Restricted Stock [Member]
Share-based Compensation Arrangement by Share-based Payment Initial Award, Received by Non Employee Directors	'	'	'	'	'	'	'	'	'	9,934
Share-based Compensation Arrangement by Share-based Payment Award, Options, Grants in Period, Gross	'	149,000	'	763,935	'	'	'	'	20,500	'
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Available for Grant	'	'	'	157,630	'	'	'	'	'	79,472
Allocated Share-based Compensation Expense	'	'	'	$113,000	$86,000	$281,000	$116,000	'	'	'
Employee Service Share-based Compensation, Nonvested Awards, Total Compensation Cost Not yet Recognized	'	'	'	465,000	'	165,000	'	'	'	'
Employee Service Share Based Compensation Nonvested Awards Total Compensation Cost Not Yet Recognized Period For Recognition 1	'	'	'	'3 years 6 months	'	'2 years 4 months 24 days	'	'	'	'
Share-based Compensation Arrangement by Share-based Payment Award, Options, Grants in Period, Weighted Average Grant Date Fair Value	'	'	'	'	'	'	'	'	$3.39	'
Share-based Compensation Arrangement by Share-based Payment Award, Number of Additional Shares Authorized	'	'	200,000	'	'	'	'	'	'	'
Stock Issued During Period, Value, Restricted Stock Award, Net of Forfeitures	'	0	'	'	'	'	'	'	'	30,000
Share-based Compensation Arrangement by Share-based Payment Award, Termination Of Unvested Restricted Stock	'	'	'	'	'	'	'	17,250	'	'
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercises in Period, Intrinsic Value	'	'	'	364	'	'	'	'	'	'
Proceeds from Stock Options Exercised	'	410	'	'	'	'	'	'	'	'
Share-based Compensation Arrangement by Share-based Payment Award, Options, Expirations in Period	132,390	132,390	'	'	'	'	'	'	'	'
Share Based Compensation Arrangement By Share Based Payment Award Options Settled In Period	$1,300	'	'	'	'	'	'	'	'	'

FAIR_VALUE_Details

FAIR VALUE (Details) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Securities available-for-sale	$290,183	$354,131
Fair Value, Inputs, Level 1 [Member]	'	'
Securities available-for-sale	0	0
Fair Value, Inputs, Level 2 [Member]	'	'
Securities available-for-sale	290,183	354,131
Fair Value, Inputs, Level 3 [Member]	'	'
Securities available-for-sale	0	0
U.S. Treasury and Agencies [Member]	'	'
Securities available-for-sale	'	8,278
U.S. Treasury and Agencies [Member] | Fair Value, Inputs, Level 1 [Member]	'	'
Securities available-for-sale	'	0
U.S. Treasury and Agencies [Member] | Fair Value, Inputs, Level 2 [Member]	'	'
Securities available-for-sale	'	8,278
U.S. Treasury and Agencies [Member] | Fair Value, Inputs, Level 3 [Member]	'	'
Securities available-for-sale	'	0
Government-sponsored mortgage-backed residential [Member]	'	'
Securities available-for-sale	114,550	144,889
Government-sponsored mortgage-backed residential [Member] | Fair Value, Inputs, Level 1 [Member]	'	'
Securities available-for-sale	0	0
Government-sponsored mortgage-backed residential [Member] | Fair Value, Inputs, Level 2 [Member]	'	'
Securities available-for-sale	114,550	144,889
Government-sponsored mortgage-backed residential [Member] | Fair Value, Inputs, Level 3 [Member]	'	'
Securities available-for-sale	0	0
Government-sponsored collateralized mortgage obligations [Member]	'	'
Securities available-for-sale	77,742	150,147
Government-sponsored collateralized mortgage obligations [Member] | Fair Value, Inputs, Level 1 [Member]	'	'
Securities available-for-sale	0	0
Government-sponsored collateralized mortgage obligations [Member] | Fair Value, Inputs, Level 2 [Member]	'	'
Securities available-for-sale	77,742	150,147
Government-sponsored collateralized mortgage obligations [Member] | Fair Value, Inputs, Level 3 [Member]	'	'
Securities available-for-sale	0	0
Asset backed-collateralized loan obligations [Member]	'	'
Securities available-for-sale	32,656	5,132
Asset backed-collateralized loan obligations [Member] | Fair Value, Inputs, Level 1 [Member]	'	'
Securities available-for-sale	0	0
Asset backed-collateralized loan obligations [Member] | Fair Value, Inputs, Level 2 [Member]	'	'
Securities available-for-sale	32,656	5,132
Asset backed-collateralized loan obligations [Member] | Fair Value, Inputs, Level 3 [Member]	'	'
Securities available-for-sale	0	0
State and municipal [Member]	'	'
Securities available-for-sale	12,666	12,718
State and municipal [Member] | Fair Value, Inputs, Level 1 [Member]	'	'
Securities available-for-sale	0	0
State and municipal [Member] | Fair Value, Inputs, Level 2 [Member]	'	'
Securities available-for-sale	12,666	12,718
State and municipal [Member] | Fair Value, Inputs, Level 3 [Member]	'	'
Securities available-for-sale	0	0
Corporate bonds [Member]	'	'
Securities available-for-sale	52,569	32,967
Corporate bonds [Member] | Fair Value, Inputs, Level 1 [Member]	'	'
Securities available-for-sale	0	0
Corporate bonds [Member] | Fair Value, Inputs, Level 2 [Member]	'	'
Securities available-for-sale	52,569	32,967
Corporate bonds [Member] | Fair Value, Inputs, Level 3 [Member]	'	'
Securities available-for-sale	$0	$0

FAIR_VALUE_Details_1

FAIR VALUE (Details 1) (Fair Value, Inputs, Level 3 [Member], USD $)	3 Months Ended	9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2013
Fair Value, Inputs, Level 3 [Member]	'	'
Beginning balance	$266	$264
Total gains or losses:	'	'
Impairment charges on securities	0	0
Included in other comprehensive income	16	18
Purchases	0	0
Sales or calls	-1	-1
Settlements	0	0
Transfers in and/or out of Level 3	0	0
Ending balance	$281	$281

FAIR_VALUE_Details_2

FAIR VALUE (Details 2) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Impaired Loans [Member] | Commercial Loan [Member]	'	'
Assets, Fair Value Disclosure, Nonrecurring	$183	$231
Impaired Loans [Member] | Commercial Loan [Member] | Fair Value, Inputs, Level 1 [Member]	'	'
Assets, Fair Value Disclosure, Nonrecurring	0	0
Impaired Loans [Member] | Commercial Loan [Member] | Fair Value, Inputs, Level 2 [Member]	'	'
Assets, Fair Value Disclosure, Nonrecurring	0	0
Impaired Loans [Member] | Commercial Loan [Member] | Fair Value, Inputs, Level 3 [Member]	'	'
Assets, Fair Value Disclosure, Nonrecurring	183	231
Impaired Loans [Member] | Land Improvements [Member]	'	'
Assets, Fair Value Disclosure, Nonrecurring	1,191	1,775
Impaired Loans [Member] | Land Improvements [Member] | Fair Value, Inputs, Level 1 [Member]	'	'
Assets, Fair Value Disclosure, Nonrecurring	0	0
Impaired Loans [Member] | Land Improvements [Member] | Fair Value, Inputs, Level 2 [Member]	'	'
Assets, Fair Value Disclosure, Nonrecurring	0	0
Impaired Loans [Member] | Land Improvements [Member] | Fair Value, Inputs, Level 3 [Member]	'	'
Assets, Fair Value Disclosure, Nonrecurring	1,191	1,775
Impaired Loans [Member] | Commercial Real Estate Other Receivable [Member]	'	'
Assets, Fair Value Disclosure, Nonrecurring	13,433	12,560
Impaired Loans [Member] | Commercial Real Estate Other Receivable [Member] | Fair Value, Inputs, Level 1 [Member]	'	'
Assets, Fair Value Disclosure, Nonrecurring	0	0
Impaired Loans [Member] | Commercial Real Estate Other Receivable [Member] | Fair Value, Inputs, Level 2 [Member]	'	'
Assets, Fair Value Disclosure, Nonrecurring	0	0
Impaired Loans [Member] | Commercial Real Estate Other Receivable [Member] | Fair Value, Inputs, Level 3 [Member]	'	'
Assets, Fair Value Disclosure, Nonrecurring	13,433	12,560
Impaired Loans [Member] | Residential Mortgage [Member]	'	'
Assets, Fair Value Disclosure, Nonrecurring	422	127
Impaired Loans [Member] | Residential Mortgage [Member] | Fair Value, Inputs, Level 1 [Member]	'	'
Assets, Fair Value Disclosure, Nonrecurring	0	0
Impaired Loans [Member] | Residential Mortgage [Member] | Fair Value, Inputs, Level 2 [Member]	'	'
Assets, Fair Value Disclosure, Nonrecurring	0	0
Impaired Loans [Member] | Residential Mortgage [Member] | Fair Value, Inputs, Level 3 [Member]	'	'
Assets, Fair Value Disclosure, Nonrecurring	422	127
Impaired Loans [Member] | Consumer and Home Equity [Member]	'	'
Assets, Fair Value Disclosure, Nonrecurring	212	137
Impaired Loans [Member] | Consumer and Home Equity [Member] | Fair Value, Inputs, Level 1 [Member]	'	'
Assets, Fair Value Disclosure, Nonrecurring	0	0
Impaired Loans [Member] | Consumer and Home Equity [Member] | Fair Value, Inputs, Level 2 [Member]	'	'
Assets, Fair Value Disclosure, Nonrecurring	0	0
Impaired Loans [Member] | Consumer and Home Equity [Member] | Fair Value, Inputs, Level 3 [Member]	'	'
Assets, Fair Value Disclosure, Nonrecurring	212	137
Real Estate Acquired through Foreclosure [Member] | Land Improvements [Member]	'	'
Assets, Fair Value Disclosure, Nonrecurring	918	2,459
Real Estate Acquired through Foreclosure [Member] | Land Improvements [Member] | Fair Value, Inputs, Level 1 [Member]	'	'
Assets, Fair Value Disclosure, Nonrecurring	0	0
Real Estate Acquired through Foreclosure [Member] | Land Improvements [Member] | Fair Value, Inputs, Level 2 [Member]	'	'
Assets, Fair Value Disclosure, Nonrecurring	0	0
Real Estate Acquired through Foreclosure [Member] | Land Improvements [Member] | Fair Value, Inputs, Level 3 [Member]	'	'
Assets, Fair Value Disclosure, Nonrecurring	918	2,459
Real Estate Acquired through Foreclosure [Member] | Buildings Lot [Member]	'	'
Assets, Fair Value Disclosure, Nonrecurring	'	2,220
Real Estate Acquired through Foreclosure [Member] | Buildings Lot [Member] | Fair Value, Inputs, Level 1 [Member]	'	'
Assets, Fair Value Disclosure, Nonrecurring	'	0
Real Estate Acquired through Foreclosure [Member] | Buildings Lot [Member] | Fair Value, Inputs, Level 2 [Member]	'	'
Assets, Fair Value Disclosure, Nonrecurring	'	0
Real Estate Acquired through Foreclosure [Member] | Buildings Lot [Member] | Fair Value, Inputs, Level 3 [Member]	'	'
Assets, Fair Value Disclosure, Nonrecurring	'	2,220
Real Estate Acquired through Foreclosure [Member] | Commercial Real Estate Other Receivable [Member]	'	'
Assets, Fair Value Disclosure, Nonrecurring	2,951	8,350
Real Estate Acquired through Foreclosure [Member] | Commercial Real Estate Other Receivable [Member] | Fair Value, Inputs, Level 1 [Member]	'	'
Assets, Fair Value Disclosure, Nonrecurring	0	0
Real Estate Acquired through Foreclosure [Member] | Commercial Real Estate Other Receivable [Member] | Fair Value, Inputs, Level 2 [Member]	'	'
Assets, Fair Value Disclosure, Nonrecurring	0	0
Real Estate Acquired through Foreclosure [Member] | Commercial Real Estate Other Receivable [Member] | Fair Value, Inputs, Level 3 [Member]	'	'
Assets, Fair Value Disclosure, Nonrecurring	2,951	8,350
Real Estate Acquired through Foreclosure [Member] | Residential Mortgage [Member]	'	'
Assets, Fair Value Disclosure, Nonrecurring	483	224
Real Estate Acquired through Foreclosure [Member] | Residential Mortgage [Member] | Fair Value, Inputs, Level 1 [Member]	'	'
Assets, Fair Value Disclosure, Nonrecurring	0	0
Real Estate Acquired through Foreclosure [Member] | Residential Mortgage [Member] | Fair Value, Inputs, Level 2 [Member]	'	'
Assets, Fair Value Disclosure, Nonrecurring	0	0
Real Estate Acquired through Foreclosure [Member] | Residential Mortgage [Member] | Fair Value, Inputs, Level 3 [Member]	'	'
Assets, Fair Value Disclosure, Nonrecurring	$483	$224

FAIR_VALUE_Details_3

FAIR VALUE (Details 3) (USD $)

Sep. 30, 2013

Dec. 31, 2012

Sep. 30, 2013

Sep. 30, 2013

Sep. 30, 2013

Dec. 31, 2012

Sep. 30, 2013

Sep. 30, 2013

Sep. 30, 2013

Sep. 30, 2013

Sep. 30, 2013

Dec. 31, 2012

Sep. 30, 2013

Sep. 30, 2013

Sep. 30, 2013

Sep. 30, 2013

Sep. 30, 2013

Sep. 30, 2013

Sep. 30, 2013

Sep. 30, 2013

Sep. 30, 2013

Dec. 31, 2012

Sep. 30, 2013

Sep. 30, 2013

Sep. 30, 2013

Sep. 30, 2013

Sep. 30, 2013

Sep. 30, 2013

Sep. 30, 2013

Sep. 30, 2013

Sep. 30, 2013

Dec. 31, 2012

Sep. 30, 2013

Sep. 30, 2013

Sep. 30, 2013

Sep. 30, 2013

Sep. 30, 2013

Sep. 30, 2013

Dec. 31, 2012

Sep. 30, 2013

Sep. 30, 2013

Sep. 30, 2013

Sep. 30, 2013

Sep. 30, 2013

Sep. 30, 2013

Sep. 30, 2013

Sep. 30, 2013

Sep. 30, 2013

Dec. 31, 2012

Sep. 30, 2013

Sep. 30, 2013

Sep. 30, 2013

Sep. 30, 2013

Dec. 31, 2012

In Thousands, unless otherwise specified

Impaired Loans [Member]

Impaired Loans [Member]

Impaired Loans [Member]

Impaired Loans [Member]

Impaired Loans [Member]

Impaired Loans [Member]

Impaired Loans [Member]

Impaired Loans [Member]

Impaired Loans [Member]

Impaired Loans [Member]

Impaired Loans [Member]

Impaired Loans [Member]

Impaired Loans [Member]

Impaired Loans [Member]

Impaired Loans [Member]

Impaired Loans [Member]

Impaired Loans [Member]

Impaired Loans [Member]

Impaired Loans [Member]

Impaired Loans [Member]

Impaired Loans [Member]

Impaired Loans [Member]

Impaired Loans [Member]

Impaired Loans [Member]

Impaired Loans [Member]

Impaired Loans [Member]

Impaired Loans [Member]

Impaired Loans [Member]

Impaired Loans [Member]

Impaired Loans [Member]

Real Estate Acquired Through Foreclosure [Member]

Real Estate Acquired Through Foreclosure [Member]

Real Estate Acquired Through Foreclosure [Member]

Real Estate Acquired Through Foreclosure [Member]

Real Estate Acquired Through Foreclosure [Member]

Real Estate Acquired Through Foreclosure [Member]

Real Estate Acquired Through Foreclosure [Member]

Real Estate Acquired Through Foreclosure [Member]

Real Estate Acquired Through Foreclosure [Member]

Real Estate Acquired Through Foreclosure [Member]

Real Estate Acquired Through Foreclosure [Member]

Real Estate Acquired Through Foreclosure [Member]

Real Estate Acquired Through Foreclosure [Member]

Real Estate Acquired Through Foreclosure [Member]

Real Estate Acquired Through Foreclosure [Member]

Real Estate Acquired Through Foreclosure [Member]

Real Estate Acquired Through Foreclosure [Member]

Real Estate Acquired Through Foreclosure [Member]

Real Estate Acquired Through Foreclosure [Member]

Real Estate Acquired Through Foreclosure [Member]

Real Estate Acquired Through Foreclosure [Member]

Real Estate Acquired Through Foreclosure [Member]

Real Estate Acquired Through Foreclosure [Member]

Real Estate Acquired Through Foreclosure [Member]

Commercial Loan [Member]

Commercial Loan [Member]

Commercial Loan [Member]

Commercial Loan [Member]

Land Improvements [Member]

Land Improvements [Member]

Land Improvements [Member]

Land Improvements [Member]

Land Improvements [Member]

Land Improvements [Member]

Commercial Real Estate Other Receivable [Member]

Commercial Real Estate Other Receivable [Member]

Commercial Real Estate Other Receivable [Member]

Commercial Real Estate Other Receivable [Member]

Commercial Real Estate Other Receivable [Member]

Commercial Real Estate Other Receivable [Member]

Commercial Real Estate Other Receivable [Member]

Commercial Real Estate Other Receivable [Member]

Commercial Real Estate Other Receivable [Member]

Commercial Real Estate Other Receivable [Member]

Residential Mortgage [Member]

Residential Mortgage [Member]

Residential Mortgage [Member]

Residential Mortgage [Member]

Residential Mortgage [Member]

Residential Mortgage [Member]

Consumer and Home Equity[Member]

Consumer and Home Equity[Member]

Consumer and Home Equity[Member]

Consumer and Home Equity[Member]

Land Improvements [Member]

Land Improvements [Member]

Land Improvements [Member]

Land Improvements [Member]

Land Improvements [Member]

Land Improvements [Member]

Land Improvements [Member]

Commercial Real Estate Other Receivable [Member]

Commercial Real Estate Other Receivable [Member]

Commercial Real Estate Other Receivable [Member]

Commercial Real Estate Other Receivable [Member]

Commercial Real Estate Other Receivable [Member]

Commercial Real Estate Other Receivable [Member]

Commercial Real Estate Other Receivable [Member]

Commercial Real Estate Other Receivable [Member]

Commercial Real Estate Other Receivable [Member]

Commercial Real Estate Other Receivable [Member]

Residential Mortgage [Member]

Residential Mortgage [Member]

Residential Mortgage [Member]

Residential Mortgage [Member]

Residential Mortgage [Member]

Residential Mortgage [Member]

Buildings Lot [Member]

Income Approach Valuation Technique [Member]

Income Approach Valuation Technique [Member]

Income Approach Valuation Technique [Member]

Income Approach Valuation Technique [Member]

Income Approach Valuation Technique [Member]

Income Approach Valuation Technique [Member]

Income Approach Valuation Technique [Member]

Income Approach Valuation Technique [Member]

Income Approach Valuation Technique [Member]

Income Approach Valuation Technique [Member]

Sales Comparison Approach [Member]

Sales Comparison Approach [Member]

Sales Comparison Approach [Member]

Sales Comparison Approach [Member]

Sales Comparison Approach [Member]

Sales Comparison Approach [Member]

Sales Comparison Approach [Member]

Sales Comparison Approach [Member]

Sales Comparison Approach [Member]

Sales Comparison Approach [Member]

Sales Comparison Approach [Member]

Sales Comparison Approach [Member]

Income Approach Valuation Technique [Member]

Income Approach Valuation Technique [Member]

Income Approach Valuation Technique [Member]

Sales Comparison Approach [Member]

Sales Comparison Approach [Member]

Income Approach Valuation Technique [Member]

Income Approach Valuation Technique [Member]

Income Approach Valuation Technique [Member]

Income Approach Valuation Technique [Member]

Sales Comparison Approach [Member]

Sales Comparison Approach [Member]

Sales Comparison Approach [Member]

Sales Comparison Approach [Member]

Sales Comparison Approach [Member]

Sales Comparison Approach [Member]

Sales Comparison Approach [Member]

Sales Comparison Approach [Member]

Weighted Average [Member]

Maximum [Member]

Minimum [Member]

Weighted Average [Member]

Maximum [Member]

Minimum [Member]

Weighted Average [Member]

Maximum [Member]

Minimum [Member]

Weighted Average [Member]

Maximum [Member]

Minimum [Member]

Weighted Average [Member]

Maximum [Member]

Minimum [Member]

Weighted Average [Member]

Maximum [Member]

Weighted Average [Member]

Weighted Average [Member]

Maximum [Member]

Minimum [Member]

Weighted Average [Member]

Maximum [Member]

Minimum [Member]

Weighted Average [Member]

Maximum [Member]

Minimum [Member]

Weighted Average [Member]

Assets, Fair Value Disclosure, Nonrecurring

$183

$231

$183

'

$1,191

$1,775

$1,191

'

'

'

$13,433

$12,560

$12,435

'

'

'

$998

'

'

'

$422

$127

$422

'

'

'

$212

'

'

'

$918

$2,459

$886

'

'

$32

'

$2,951

$8,350

$1,009

'

'

'

$1,942

'

'

'

$483

$224

$483

'

'

'

$2,220

Discount or capitalization rate

'

'

'

1.25%

[1]

'

'

'

25.00%

0.00%

23.23%

'

'

'

9.00%

1.25%

8.73%

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

29.00%

23.97%

'

8.50%

'

'

'

10.00%

8.70%

9.61%

'

'

'

'

'

'

'

'

'

'

'

Adjustment for differences between comparable sales

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

10.00%

0.00%

2.29%

'

'

'

3.87%

0.00%

1.07%

'

2.25%

1.80%

1.87%

'

'

'

'

'

'

0.00%

[1]

'

'

'

'

'

'

'

20.00%

2.75%

15.24%

'

'

'

18.00%

0.00%

0.82%

'

[1]

Unobservable inputs with a single discount listed include only one property.

FAIR_VALUE_Details_4

FAIR VALUE (Details 4) (USD $)	Sep. 30, 2013	Dec. 31, 2012	Sep. 30, 2012	Dec. 31, 2011
In Thousands, unless otherwise specified
Financial assets:	'	'	'	'
Cash and due from banks Carrying Value	$31,517	$63,103	$55,337	$92,236
Mortgage loans held for sale Carrying Value	1,068	3,887	'	'
Loans, net Carrying Value	448,366	492,740	'	'
Accrued interest receivable Carrying Value	2,283	2,690	'	'
FHLB stock Carrying Value	4,430	4,805	'	'
Cash and due from banks Fair Value	31,517	63,103	'	'
Mortgage loans held for sale Fair Value	1,085	3,967	'	'
Loans, net Fair Value	452,066	493,998	'	'
Accrued interest receivable Fair Value	2,283	2,690	'	'
Financial liabilities:	'	'	'	'
Deposits Carrying Value	746,878	922,620	'	'
Advances from Federal Home Loan Bank Carrying Value	38,424	12,596	'	'
Subordinated debentures Carrying Value	18,000	18,000	'	'
Accrued interest payable Carrying Value	4,137	3,121	'	'
Deposits Fair Value	708,766	934,637	'	'
Advances from Federal Home Loan Bank Fair Value	39,445	13,944	'	'
Subordinated debentures Fair Value	12,200	12,695	'	'
Accrued interest payable Fair Value	4,137	3,121	'	'
Fair Value, Inputs, Level 1 [Member]	'	'	'	'
Financial assets:	'	'	'	'
Cash and due from banks Fair Value	5,970	6,468	'	'
Mortgage loans held for sale Fair Value	0	0	'	'
Loans, net Fair Value	0	0	'	'
Accrued interest receivable Fair Value	0	0	'	'
Financial liabilities:	'	'	'	'
Deposits Fair Value	0	0	'	'
Advances from Federal Home Loan Bank Fair Value	0	0	'	'
Subordinated debentures Fair Value	0	0	'	'
Accrued interest payable Fair Value	0	0	'	'
Fair Value, Inputs, Level 2 [Member]	'	'	'	'
Financial assets:	'	'	'	'
Cash and due from banks Fair Value	25,547	56,635	'	'
Mortgage loans held for sale Fair Value	1,085	3,967	'	'
Loans, net Fair Value	0	0	'	'
Accrued interest receivable Fair Value	0	0	'	'
Financial liabilities:	'	'	'	'
Deposits Fair Value	708,766	934,637	'	'
Advances from Federal Home Loan Bank Fair Value	39,445	13,944	'	'
Subordinated debentures Fair Value	0	0	'	'
Accrued interest payable Fair Value	4,137	3,121	'	'
Fair Value, Inputs, Level 3 [Member]	'	'	'	'
Financial assets:	'	'	'	'
Cash and due from banks Fair Value	0	0	'	'
Mortgage loans held for sale Fair Value	0	0	'	'
Loans, net Fair Value	452,066	493,998	'	'
Accrued interest receivable Fair Value	2,283	2,690	'	'
Financial liabilities:	'	'	'	'
Deposits Fair Value	0	0	'	'
Advances from Federal Home Loan Bank Fair Value	0	0	'	'
Subordinated debentures Fair Value	12,200	12,695	'	'
Accrued interest payable Fair Value	$0	$0	'	'

FAIR_VALUE_Details_Textual

FAIR VALUE (Details Textual) (USD $)	3 Months Ended		9 Months Ended
	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
Loans Pledged as Collateral	$19,300,000	$35,100,000	$19,300,000	$35,100,000
Valuation Allowances and Reserves, Adjustments	'	'	3,900,000	5,000,000
Net Interest Income (Loss) after Provision for Loan Losses	6,527,000	3,562,000	19,247,000	15,619,000
Allowance for Loan and Lease Losses, Period Increase (Decrease)	32,000	600,000	'	2,500,000
Other Real Estate Valuation Adjustments	300,000	1,400,000	1,800,000	4,900,000
Impaired Loans [Member]	'	'	'	'
Net Interest Income (Loss) after Provision for Loan Losses	'	'	$310,000	'

SUBORDINATED_DEBENTURES_Detail

SUBORDINATED DEBENTURES (Details Textual) (USD $)	9 Months Ended
In Millions, unless otherwise specified	Sep. 30, 2013
Junior Subordinated Notes	$18
Debt Instrument, Increase, Accrued Interest	$4.10

PREFERRED_STOCK_Details_Textua

PREFERRED STOCK (Details Textual) (USD $)	1 Months Ended		9 Months Ended			9 Months Ended	1 Months Ended
	Apr. 29, 2013	Oct. 14, 2008	Sep. 30, 2013	Dec. 31, 2012	Jan. 09, 2009	Sep. 30, 2013	Dec. 08, 2008
						Warrant [Member]	Warrant [Member]
							US Treasury [Member]
Preferred Stock, Liquidation Preference, Value	'	'	$23,200,000	$22,500,000	$20,000,000	'	'
Preferred Stock, Liquidation Preference Per Share	'	'	'	'	$1,000	'	'
Cumulative Dividends, Percentage	'	'	'	'	5.00%	'	'
Cumulative Dividends, Percentage After Five Years	'	'	'	'	9.00%	'	'
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Grants in Period	'	'	122,972	'	'	'	215,983
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Grants in Period, Weighted Average Grant Date Fair Value	'	'	$3.05	'	'	'	$13.89
Percentage of Aggregate Amount of Preferred Stock Value	'	'	'	'	'	'	15.00%
Preferred Stock, Value, Issued	'	'	19,984,000	19,943,000	'	'	3,000,000
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Outstanding, Weighted Average Remaining Contractual Terms	'	'	'	'	'	'10 years	'
Dividends Payable	'	'	3,200,000	'	'	'	'
Preferred Stock, Dividends Per Share, Declared	'	$0.19	'	'	'	'	'
Preferred Stock, Value, Outstanding	$20,000,000	'	'	'	'	'	'
Preferred Stock, Dividend Rate, Percentage	5.00%	'	'	'	'	'	'
Preferred Stock, Dividend Rate, Percentage, Contingent upon Treasury Acceptance	9.00%	'	'	'	'	'	'

STOCKHOLDERS_EQUITY_Details

STOCKHOLDERS' EQUITY (Details) (USD $)	Sep. 30, 2013	Jan. 01, 2011	Sep. 30, 2013	Dec. 31, 2012	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified			Consolidated [Member]	Consolidated [Member]	Bank [Member]	Bank [Member]
Total risk-based capital (to risk- weighted assets), Actual Amount	'	'	$68,533	$68,791	$75,542	$73,951
Total risk-based capital (to risk- weighted assets), Actual Ratio	13.09%	12.00%	11.88%	11.36%	13.09%	12.21%
Total risk-based capital (to risk- weighted assets) For Capital Adequacy Purposes Amount	'	'	46,164	48,438	46,161	48,439
Total risk-based capital (to risk- weighted assets) For Capital Adequacy Purposes Ratio	'	'	8.00%	8.00%	8.00%	8.00%
Total risk-based capital (to risk-weighted assets) Required by Consent Order Amount	'	'	69,246	72,657	69,241	72,658
Total risk-based capital (to risk-weighted assets) Required by Consent Order Ratio	'	'	12.00%	12.00%	12.00%	12.00%
Tier I capital (to risk-weighted assets) Actual Amount	'	'	57,677	57,471	68,258	66,256
Tier I capital (to risk-weighted assets) Actual Ratio	'	9.00%	10.00%	9.49%	11.83%	10.94%
Tier I capital (to risk-weighted assets) For Capital Adequacy Purposes Amount	'	'	23,082	24,219	23,080	24,219
Tier I capital (to risk-weighted assets) For Capital Adequacy Purposes Ratio	'	'	4.00%	4.00%	4.00%	4.00%
Tier I capital (to average assets) Actual Amount	'	'	57,677	57,471	68,258	66,256
Tier I capital (to average assets) Actual Ratio	'	'	6.60%	5.67%	7.80%	6.53%
Tier I capital (to average assets) For Capital Adequacy Purposes Amount	'	'	34,962	40,580	35,015	40,608
Tier I capital (to average assets) For Capital Adequacy Purposes Ratio	'	'	4.00%	4.00%	4.00%	4.00%
Tier I capital (to average assets) Required by Consent Order Amount	'	'	$78,665	$91,304	$78,783	$91,368
Tier I capital (to average assets) Required by Consent Order Ratio	'	'	9.00%	9.00%	9.00%	9.00%

CHANGES_IN_AND_RECLASSIFICATIO2

CHANGES IN AND RECLASSIFICATIONS FROM ACCUMULATED OTHER COMPREHENSIVE INCOME (Details) (USD $)	3 Months Ended		9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013		Sep. 30, 2013
Unrealized Gains and Losses on Available-for-Sale Securities, Beginning balance	($7,285)	[1]	$1,270	[1]
Other comprehensive income (loss) before reclassification	-1,438	[1]	-9,766	[1]
Amounts reclassified from accumulated other comprehensive income	-12	[1]	-239	[1]
Net other comprehensive income (loss)	-1,450	[1]	-10,005	[1]
Unrealized Gains and Losses on Available-for-Sale Securities, Ending balance	($8,735)	[1]	($8,735)	[1]
[1]	All amounts are net of tax.

CHANGES_IN_AND_RECLASSIFICATIO3

CHANGES IN AND RECLASSIFICATIONS FROM ACCUMULATED OTHER COMPREHENSIVE INCOME (Details 1) (USD $)	3 Months Ended		9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013		Sep. 30, 2013
Unrealized gains and losses on available-for-sale securities, Gain on sales of investments	$235		$1,078
Unrealized gains and losses on available-for-sale securities, Loss on sale of investments	-223		-839
Unrealized gains and losses on available-for-sale securities, Total before tax	12		239
Unrealized gains and losses on available-for-sale securities, Income taxes/(benefits)	0		0
Total amount reclassified, Net income (loss)	$12	[1]	$239	[1]
[1]	All amounts are net of tax.