First Financial Service (FFKY) Inactive 10-K31 Mar 142013 FY Annual reportFinancial data

Company Profile

Document_And_Entity_Informatio

Document And Entity Information (USD $)	12 Months Ended
Document And Entity Information (USD $)	Dec. 31, 2013	Mar. 17, 2014	Jun. 28, 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	'	4,878,959	'
Document Type	'10-K	'	'
Amendment Flag	'false	'	'
Document Period End Date	31-Dec-13	'	'
Document Fiscal Period Focus	'FY	'	'
Document Fiscal Year Focus	'2013	'	'
Entity Well-known Seasoned Issuer	'No	'	'
Entity Voluntary Filers	'No	'	'
Entity Current Reporting Status	'Yes	'	'
Entity Public Float	'	'	$13,200,718

Consolidated_Balance_Sheets

Consolidated Balance Sheets (USD $)	Dec. 31, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
ASSETS:	'	'
Cash and due from banks	$13,476	$12,598
Interest bearing deposits	52,512	50,505
Total cash and cash equivalents	65,988	63,103
Securities available-for-sale	269,282	354,131
Loans held for sale	470	3,887
Loans, net of unearned fees	466,862	524,835
Allowance for loan losses	-9,576	-17,265
Net loans	457,286	507,570
Federal Home Loan Bank stock	4,430	4,805
Cash surrender value of life insurance	10,428	10,060
Premises and equipment, net	23,773	27,048
Real estate owned:	'	'
Acquired through foreclosure, net of valuation allowance of $581 (2013) and $500 (2012)	11,657	22,286
Bank lots	1,469	0
Other repossessed assets	37	34
Accrued interest receivable	2,224	2,690
Accrued income taxes	2,907	2,928
Low-income housing investments	6,965	7,061
Other assets	1,701	1,459
TOTAL ASSETS	858,617	1,007,062
Deposits:	'	'
Non-interest bearing	78,480	75,842
Interest bearing	705,007	846,778
Total deposits	783,487	922,620
Advances from Federal Home Loan Bank	12,389	12,596
Subordinated debentures	18,000	18,000
Accrued interest payable	4,485	3,121
Accrued senior preferred dividend	3,469	2,469
Accounts payable and other liabilities	3,968	3,884
TOTAL LIABILITIES	825,798	962,690
Commitments and contingent liabilities (See Note 20)	0	0
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 $23.5 million (2013), and $22.5 million (2012)	19,997	19,943
Common stock, $1 par value per share; authorized 35,000,000 shares; issued and outstanding, 4,870,887 shares (2013), and 4,775,114 shares (2012)	4,871	4,775
Additional paid-in capital	36,230	35,782
Accumulated deficit	-17,711	-17,398
Accumulated other comprehensive income/(loss)	-10,568	1,270
TOTAL STOCKHOLDERS' EQUITY	32,819	44,372
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$858,617	$1,007,062

Consolidated_Balance_Sheets_Pa

Consolidated Balance Sheets (Parenthetical) (USD $)	Dec. 31, 2013	Dec. 31, 2012
Real Estate Owned, Valuation Allowance (in dollars)	$581,000	$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)	$23,500,000	$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	4,870,887	4,775,114
Common stock, shares, outstanding	4,870,887	4,775,114

Consolidated_Statements_of_Ope

Consolidated Statements of Operations (USD $)	12 Months Ended
In Thousands, except Per Share data, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Interest Income:	'	'	'
Loans, including fees	$25,711	$34,474	$45,727
Interest and dividends on investment securities:	'	'	'
Taxable securities	6,493	6,953	7,247
Tax exempt securities	218	294	555
Total interest income	32,422	41,721	53,529
Interest Expense:	'	'	'
Deposits	6,926	13,001	18,185
Federal Home Loan Bank advances	538	914	1,142
Subordinated debentures	1,364	1,444	1,373
Total interest expense	8,828	15,359	20,700
Net interest income	23,594	26,362	32,829
Provision for loan losses	-3,086	6,797	21,210
Net interest income after provision for loan losses	26,680	19,565	11,619
Non-interest Income:	'	'	'
Customer service fees on deposit accounts	5,306	5,466	6,125
Gain on sale of mortgage loans	938	1,653	1,200
Gain on sale of investments	1,257	3,384	995
Loss on sale and calls of investments	-1,031	-1,131	-149
Other than temporary impairment loss:	'	'	'
Total other-than-temporary impairment losses	0	-26	-168
Portion of loss recognized in other comprehensive income/(loss) (before taxes)	0	0	0
Net impairment losses recognized in earnings	0	-26	-168
Loss on sale and write downs on real estate acquired through foreclosure	-2,336	-6,051	-9,568
Writedowns on other real estate owned-bank lots	-219	0	0
Gain on branch divestiture	0	3,124	0
Gain on sale of premises and equipment	0	344	0
Gain on sale on real estate acquired through foreclosure	1,953	1,318	231
Gain on sale of real estate held for development	0	175	0
Other income	2,224	2,703	1,808
Total non-interest income	8,092	10,959	474
Non-interest Expense:	'	'	'
Employee compensation and benefits	15,247	15,138	16,015
Office occupancy expense and equipment	2,728	3,035	3,201
Outside services and data processing	3,751	3,389	3,535
Bank franchise tax	951	1,361	1,320
FDIC insurance premiums	2,109	2,247	3,238
Amortization of intangible assets	0	172	370
Real estate acquired through foreclosure expense	1,764	3,723	1,879
Loan expense	1,447	1,997	2,546
FHLB advance prepayment penalty	0	1,548	0
Other expense	6,031	6,325	6,133
Total non-interest expense	34,028	38,935	38,237
Income (loss) before income taxes	744	-8,411	-26,144
Income tax expense/(benefit)	3	-18	-2,983
Net Income (Loss)	741	-8,393	-23,161
Less:	'	'	'
Dividends on preferred stock	-1,000	-1,000	-1,000
Accretion on preferred stock	-54	-54	-54
Net income (loss) attributable to common shareholders	($313)	($9,447)	($24,215)
Shares applicable to basic income (loss) per common share (in shares)	4,828	4,769	4,743
Basic income (loss) per common share (in dollars per share)	($0.06)	($1.98)	($5.11)
Shares applicable to diluted income (loss) per common share (in shares)	4,828	4,769	4,743
Diluted income (loss) per common share (in dollars per share)	($0.06)	($1.98)	($5.11)
Cash dividends declared per common share (in dollars per share)	$0	$0	$0

Consolidated_Statements_of_Com

Consolidated Statements of Comprehensive Income/(Loss) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Net Income/(Loss)	$741	($8,393)	($23,161)
Other comprehensive income (loss):	'	'	'
Change in unrealized gain (loss) on securities available-for-sale	-11,612	1,337	9,680
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	784	152
Reclassification of realized amount on securities available-for-sale losses (gains)	-226	-2,757	-763
Reclassification of realized amount on securities available-for-sale losses (gains) for which a portion of other-than-temporary impairment has been recognized into earnings	0	504	0
Reclassification of unrealized loss on held-to-maturity security recognized in income	0	26	85
Accretion (amortization) of non-credit component of other-than-temporary impairment on held-to-maturity securities	0	50	-1
Net unrealized gain (loss) recognized in comprehensive income	-11,838	-56	9,153
Tax effect	0	0	-3,112
Total other comphrehensive income (loss)	-11,838	-56	6,041
Comprehensive Income/(Loss)	($11,097)	($8,449)	($17,120)

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	Total		Preferred Stock [Member]	Common Stock [Member]	Additional Paid-in Capital [Member]	Retained Earnings [Member]	Accumulated Other Comprehensive Income (Loss) [Member]
Balance at Dec. 31, 2010	$71,311		$19,835	$4,726	$35,201	$16,264	($4,715)
Balance (in shares) at Dec. 31, 2010	'		20,000	4,726,329	'	'	'
Net Income (Loss)	-23,161		0	0	0	-23,161	0
Shares issued under dividend reinvestment program	2		0	1	1	0	0
Shares issued under dividend reinvestment program (in shares)	'		0	762	'	'	'
Stock issued for stock options exercised and employee benefit plans	84		0	22	62	0	0
Stock issued for stock options exercised and employee benefit plans (in shares)	'		0	22,324	'	'	'
Stock-based compensation expense	186		0	0	186	0	0
Total other comprehensive income (loss)	5,830	[1]	0	0	0	0	5,830
Change in unrealized gains (losses) on held-to-maturity securities for which an other-than-temporary impairment charge has been recorded	56		0	0	0	0	56
Change in unrealized gains (losses) on securities available-for-sale for which a portion of an other-than-temporary impairment charge has been recognized into earnings, net of reclassification	155		0	0	0	0	155
Dividends on preferred stock	-1,000		0	0	0	-1,000	0
Accretion of preferred stock discount	0		54	0	0	-54	0
Balance at Dec. 31, 2011	53,463		19,889	4,749	35,450	-7,951	1,326
Balance (in shares) at Dec. 31, 2011	'		20,000	4,749,415	'	'	'
Net Income (Loss)	-8,393		0	0	0	-8,393	0
Shares issued under dividend reinvestment program	10		0	4	6	0	0
Shares issued under dividend reinvestment program (in shares)	'		0	4,064	'	'	'
Stock issued for stock options exercised and employee benefit plans	39		0	22	17	0	0
Stock issued for stock options exercised and employee benefit plans (in shares)	'		0	21,635	'	'	'
Stock-based compensation expense	309		0	0	309	0	0
Total other comprehensive income (loss)	1,131	[1]	0	0	0	0	1,131
Change in unrealized gains (losses) on held-to-maturity securities for which an other-than-temporary impairment charge has been recorded	50		0	0	0	0	50
Change in unrealized gains (losses) on securities available-for-sale for which a portion of an other-than-temporary impairment charge has been recognized into earnings, net of reclassification	-1,237		0	0	0	0	-1,237
Dividends on preferred stock	-1,000		0	0	0	-1,000	0
Accretion of preferred stock discount	0		54	0	0	-54	0
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 (Loss)	741		0	0	0	741	0
Stock issued for stock options exercised and employee benefit plans	45		0	21	24	0	0
Stock issued for stock options exercised and employee benefit plans (in shares)	'		0	20,981	'	'	'
Issuance of restricted shares	0		0	75	-75	0	0
Issuance of restricted shares (in shares)	'		0	74,792	'	'	'
Stock-based compensation expense	499		0	0	499	0	0
Total other comprehensive income (loss)	-11,838	[1]	0	0	0	0	-11,838
Dividends on preferred stock	-1,000		0	0	0	-1,000	0
Accretion of preferred stock discount	0		54	0	0	-54	0
Balance at Dec. 31, 2013	$32,819		$19,997	$4,871	$36,230	($17,711)	($10,568)
Balance (in shares) at Dec. 31, 2013	'		20,000	4,870,887	'	'	'

[1]	All amounts are net of tax.

Consolidated_Statements_of_Cas

Consolidated Statements of Cash Flows (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Operating Activities:	'	'	'
Net income/(loss)	$741	($8,393)	($23,161)
Adjustments to reconcile net income/(loss) to net cash provided by operating activities:	'	'	'
Provision for loan losses	-3,086	6,797	21,210
Depreciation on premises and equipment	1,425	1,554	1,638
Income tax valuation allowance	474	3,813	8,318
Change in real estate acquired through foreclosure valuation allowance	81	500	0
Intangible asset amortization	0	172	370
Loss on low-income housing investments	120	634	368
Net amortization (accretion) available-for-sale	6,495	-6,231	-4,829
Impairment loss on securities available-for-sale	0	0	83
Impairment loss on securities held-to-maturity	0	26	85
Loss on call of investments held-to-maturity	0	0	3
Loss on sale of investments available-for-sale	1,031	1,131	146
Gain on sale of investments available-for-sale	-1,257	-3,192	-995
Gain on call of investments held-to-maturity	0	-192	0
Gain on sale of mortgage loans	-938	-1,653	-1,200
Gain on branch divestiture	0	-3,124	0
Gain on sale of premises and equipment	0	-344	0
Loss on sale of premises and equipment	208	0	0
Gain on sale of real estate acquired through foreclosure	-1,953	-1,318	-231
Loss on sale of real estate acquired through foreclosure	151	404	305
Gain on sale of real estate held for development	0	-175	0
Write-downs on real estate acquired through foreclosure	2,185	5,147	9,263
Write-downs on real estate-bank lots	219	0	0
Origination of loans held for sale	-51,771	-70,672	-135,282
Proceeds on sale of loans held for sale	56,126	78,681	86,854
Deferred taxes	-474	-3,813	-8,448
Stock-based compensation expense	499	309	186
Prepaid FDIC premium	0	1,302	3,147
Changes in:	'	'	'
Cash surrender value of life insurance	-368	-358	-348
Interest receivable	466	478	639
Other assets	-1,104	77	-2,507
Interest payable	1,364	1,304	1,223
Accrued income tax	21	589	-1,357
Accounts payable and other liabilities	84	315	802
Net cash from operating activities	10,739	3,768	-43,718
Investing Activities:	'	'	'
Cash paid for the disposition of branches	0	-80,248	0
Sales of securities available-for-sale	143,781	216,196	192,251
Call of securities held-to-maturity	0	208	91
Purchases of securities available-for-sale	-114,958	-319,348	-348,067
Maturities of securities available-for-sale	37,919	70,958	52,737
Maturities of securities held-to-maturity	0	58	5
Net change in loans	45,516	146,729	149,388
Sale of portfolio loans	0	10,693	0
Redemption of Federal Home Loan Bank stock	375	0	104
Investment in low-income housing projects	-24	-24	-7,420
Net purchases of premises and equipment	-579	-212	-290
Sales of premises and equipment	533	1,575	0
Proceeds from sales of real estate acquired through foreclosure	18,878	20,164	6,803
Sales of real estate held for development	0	220	0
Net cash from investing activities	131,441	66,969	45,602
Financing Activities	'	'	'
Net change in deposits	-139,133	-84,779	-51,114
Advance from Federal Home Loan Bank	30,000	0	337
Maturity of Federal Home Loan Bank advance	0	0	-25,000
Repayments to Federal Home Loan Bank	-30,207	-15,140	-133
Issuance of common stock under dividend reinvestment program	0	10	2
Issuance of common stock for employee benefit plans and exercise of stock options	45	39	84
Net cash from financing activities	-139,295	-99,870	-75,824
Increase (decrease) in cash and cash equivalents	2,885	-29,133	-73,940
Cash and cash equivalents, beginning of year	63,103	92,236	166,176
Cash and cash equivalents, end of year	$65,988	$63,103	$92,236

SUMMARY_OF_SIGNIFICANT_ACCOUNT

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	12 Months Ended
	Dec. 31, 2013
Accounting Policies [Abstract]	'
Basis of Presentation and Significant Accounting Policies [Text Block]	'
		1	SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES

	The following is a description of the significant accounting policies First Financial Service Corporation follows in preparing and presenting its consolidated financial statements:

	Principles of Consolidation and Business – The 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 two wholly owned subsidiaries, First Service Corporation of Elizabethtown and Heritage Properties, 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.

	Our business consists primarily of attracting deposits from the general public and origination of mortgage loans on single-family residences, commercial property and multi-family housing. We also make home improvement loans, consumer loans and commercial business loans. Our primary lending area is a region within North Central Kentucky. The economy within this region is diversified with a variety of medical service, manufacturing, and agricultural industries, and Fort Knox, a military installation.

	The principal sources of funds for our lending and investment activities are deposits, repayment of loans, Federal Home Loan Bank advances and other borrowings. Our principal source of income is interest on loans. In addition, other income is derived from loan origination fees, service charges, returns on investment securities, gains on sale of mortgage loans, and brokerage and insurance commissions.

	Our subsidiary First Service Corporation is a licensed broker providing investment services and offering tax-deferred annuities, government securities and stocks and bonds to our customers. Heritage Properties, LLC holds real estate acquired through foreclosure which is available for sale.

	Estimates and Assumptions – The preparation of consolidated financial statements in conformity with U.S. generally accepted accounting principles requires us to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of the amount of revenues and expenses during the reporting period. Actual results could differ from those estimates. The allowance for loan losses, fair value of financial instruments, other real estate owned and deferred tax asset realization are particularly subject to change and such change could be material.

	Cash Flows – For purposes of the statement of cash flows, we consider all highly liquid debt instruments purchased with an original maturity of three months or less to be cash equivalents. Cash and cash equivalents include cash on hand, amounts due from banks, federal funds sold and certain interest bearing deposits. Net cash flows are reported for interest-bearing deposits, loans, short-term borrowings and deposits.

	Securities – Historically we have classified investments into held-to-maturity and available-for-sale. At December 31, 2013, all of our investments are classified as available-for-sale. Debt securities in which management has a positive intent and ability to hold are classified as held-to-maturity and are carried at cost adjusted for the amortization of premiums and discounts using the interest method over the terms of the securities. Debt and equity securities, which do not fall into this category, are classified as available-for-sale. Unrealized holding gains and losses, net of tax, on available-for-sale securities are reported as a component of accumulated other comprehensive income.

	Interest income includes amortization of purchase premium or discount. Premiums and discounts on securities are amortized on the level-yield method without anticipating prepayments, except for mortgage backed securities where prepayments are anticipated. Gains and losses on sales are recorded on the trade date and determined using the specific identification method.

	Management evaluates securities for other-than-temporary impairment (“OTTI”) on at least a quarterly basis, and more frequently when economic or market conditions warrant such an evaluation. For securities in an unrealized loss position, management considers the extent and duration of the unrealized loss, and the financial condition and near-term prospects of the issuer. Management also assesses whether it intends to sell, or it is more likely than not that it will be required to sell, a security in an unrealized loss position before recovery of its amortized cost basis. If either of the criteria regarding intent or requirement to sell is met, the entire difference between amortized cost and fair value is recognized as impairment through earnings. For debt securities that do not meet the aforementioned criteria, the amount of impairment is split into two components as follows: 1) OTTI related to credit loss, which must be recognized in the income statement and 2) OTTI related to other factors, which is recognized in other comprehensive income. The credit loss is defined as the difference between the present value of the cash flows expected to be collected and the amortized cost basis. For equity securities, the entire amount of impairment is recognized through earnings.


	Loans – Loans that management has the intent and ability to hold for the foreseeable future or until maturity or payoff are reported at their recorded investment, which is the outstanding principal balance net of any deferred loan origination fees and charge-offs. We defer loan origination fees and discounts net of certain direct origination costs. These net deferred fees are amortized using the level yield method on a loan-by-loan basis over the lives of the underlying loans. Under applicable accounting guidance, for reporting purposes, the loan portfolio is categorized by portfolio segment and, within each portfolio segment, by class of financing receivables. The following classes of financing receivables have been identified: commercial, commercial real estate including land development and building lot loans, construction real estate, residential mortgage, consumer and home equity, and indirect consumer.

	Interest income on commercial, commercial real estate, construction real estate and residential mortgage loans is discontinued at the time the loan is 90 days delinquent unless the loan is well-secured and in process of collection. Consumer and home equity and indirect consumer loans are typically charged off no later than 120 days past due. Past due status is based on the contractual terms of the loan. In all cases, loans are placed on nonaccrual or charged-off at an earlier date if collection of principal or interest is considered doubtful. Nonaccrual loans and loans past due 90 days still on accrual include both smaller balance homogeneous loans that are collectively evaluated for impairment and individually classified impaired loans. A loan is moved to non-accrual status in accordance with our policy, typically after 90 days of non-payment.

	All interest accrued but not received for a loan placed on non-accrual is reversed against interest income. Interest received on such loans is accounted for on the cash-basis or cost recovery method, until qualifying for return to accrual. Loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured.

	Allowance for Loan Losses –The allowance for loan losses is a valuation allowance for probable incurred credit losses. Loan losses are charged against the allowance when we believe the uncollectibility of a loan balance is confirmed. Subsequent recoveries, if any, are credited to the allowance. Our periodic evaluation of the allowance is based on our past loan loss experience, known and inherent risks in the portfolio, adverse situations that may affect the borrower’s ability to repay, estimated value of any underlying collateral, and current economic conditions. Allocations of the allowance may be made for specific loans, but the entire allowance is available for any loan that, in management’s judgment, should be charged-off.

	The allowance consists of specific and general components. The specific component relates to loans that are individually classified as impaired. The general component covers non-impaired loans and is based on historical loss experience adjusted for current factors. The historical loss experience is determined by portfolio segment and is based on the actual loss history we have experienced over the most recent three years with additional weight given to more recent losses. This actual loss experience is supplemented with other economic factors based on the risks present for each portfolio segment. These economic factors include consideration of the following: levels of and trends in delinquencies and impaired loans; levels of and trends in charge-offs and recoveries; trends in volume and terms of loans; effects of any changes in risk selection and underwriting standards; other changes in lending policies, procedures, and practices; experience, ability, and depth of lending management and other relevant staff; national and local economic trends and conditions; industry conditions; and effects of changes in credit concentrations. The following portfolio segments have been identified: commercial, commercial real estate, residential mortgage, consumer and home equity, and indirect consumer.

	Commercial loans generally are made to small-to-medium size businesses located within our defined market area. Commercial loans generally carry a higher yield and are made for a shorter term than real estate loans. Commercial loans, however, involve a higher degree of risk than residential real estate loans due to potentially greater volatility in the value of the assigned collateral, the need for more technical analysis of the borrower’s financial position, the potentially greater impact that changing economic conditions may have on the borrower’s ability to retire debt, and the additional expertise required for commercial lending personnel.

	Commercial loans that are primarily secured by real estate are made to a variety of industries and primarily in our market area. Substantially all of the commercial real estate loans we originate have adjustable interest rates with maturities of 25 years or less or are loans with fixed interest rates and maturities of five years or less. The security for commercial real estate loans includes retail businesses, warehouses, churches, apartment buildings and motels. In addition, the payment experience of loans secured by income producing properties typically depends on the success of the related business project and thus may be more vulnerable to adverse conditions in the real estate market or in the economy generally.


	Residential mortgage loans are secured primarily by single-family homes. The majority of our mortgage loan portfolio is secured by real estate in our markets outside of Louisville and our residential mortgage loans do not have sub-prime characteristics. Appraisals are obtained to support the loan amount. We limit the maximum loan-to-value ratio on one-to-four-family residential first mortgages to 90% of the appraised value.

	Consumer loans include loans on automobiles, boats, recreational vehicles and other consumer goods, as well as loans secured by savings accounts, home improvement loans, and unsecured lines of credit. These loans involve a higher risk of default than loans secured by one-to-four-family residential loans. Our underwriting standards reflect the greater risk in consumer lending than in residential real estate lending. Among other things, the capacity of individual borrowers to repay can change rapidly, particularly during an economic downturn, collection costs can be relatively higher for smaller loans, and the value of collateral may be more likely to depreciate. We require detailed financial information and credit bureau reports for each consumer loan applicant to establish the applicant’s credit history, the adequacy of income for debt retirement, and job stability based on the applicant’s employment records. Co-signers are required for applicants who are determined marginal or who fail to qualify individually under these standards. Adequate collateral is required on the majority of consumer loans.

	The indirect consumer loan portfolio is comprised of new and used automobile, motorcycle and all terrain vehicle loans originated on our behalf by a select group of auto dealers within the service area. Indirect consumer loans are considered to have greater risk of loan losses than direct consumer loans due to, among other things: borrowers may have no existing relationship with us; borrowers may not be residents of the lending area; less detailed financial statement information may be collected at application; collateral values can be more difficult to determine; and the condition of vehicles securing the loan can deteriorate rapidly. To address the additional risks associated with indirect consumer lending, the Executive Loan Committee continually evaluates data regarding the dealers enrolled in the program, including monitoring turn down and delinquency rates. All applications are approved by specific lending officers, selected based on experience in this field, who obtain credit bureau reports on each application to assist in the decision. Aggressive collection procedures encourage more timely recovery of late payments.

	A loan is considered impaired when, based on current information and events, it is probable that full principal or interest payments are not anticipated in accordance with the contractual loan terms. Loans for which the terms have been modified resulting in a concession, and for which the borrower is experiencing financial difficulties, are considered troubled debt restructurings and classified as impaired. Factors considered by management in determining impairment include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. We determine the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record, and the amount of the shortfall in relation to the principal and interest owed. If a loan is impaired, a portion of the allowance is allocated so that the loan is reported, net, at the present value of estimated future cash flows using the loan’s existing rate, or at the fair value of collateral if repayment is expected solely from collateral. If these allocations cause the allowance for loan losses to require an increase, such increase is reported in the provision for loan losses.

	Impaired commercial and commercial real estate loans are individually evaluated for impairment. Individual residential mortgage, consumer and home equity and indirect consumer loans are evaluated for impairment based on the aging status of the loan and by payment activity and are separately identified for impairment disclosures. When the ultimate collectability of the total principal of an impaired loan is in doubt and the loan is on nonaccrual status, all payments are applied to principal under the cost recovery method. When the ultimate collectability of the total principal of an impaired loan is not in doubt and the loan is on nonaccrual status, contractual interest is credited to interest income when received under the cash basis method.

	A troubled debt restructuring is where we have agreed to a loan modification in the form of a concession for a borrower who is experiencing financial difficulty. Troubled debt restructurings are separately identified for impairment disclosures and are measured at the present value of estimated future cash flows using the loan’s effective rate at inception. If a troubled debt restructuring is considered to be a collateral dependent loan, the loan is reported, net, at the fair value of the collateral. For troubled debt restructurings that subsequently default, we determine the amount of reserve in accordance with the accounting policy for the allowance for loan losses.


	Mortgage Banking Activities – Mortgage loans originated and intended for sale in the secondary market are carried at the lower of aggregate cost or fair value as determined by outstanding commitments from investors. To deliver closed loans to the secondary market and to control its interest rate risk prior to sale, we enter into “best efforts” agreements to sell loans (sales contracts). The aggregate fair value of mortgage loans held for sale considers the price of the sales contracts. The loans are sold with servicing released.

	Loan commitments related to the origination of mortgage loans held for sale (interest rate locks) are accounted for as derivative instruments. Our commitments are for fixed rate mortgage loans, generally lasting 60 to 90 days and are at market rates when initiated. We had commitments to originate $840,000 and $20.9 million in loans at December 31, 2013 and 2012, which we intend to sell after the loans are closed.

	Net unrealized losses, if any, are recorded as a valuation allowance and charged to earnings. The fair value of mortgage derivatives was not material. Substantially all of the gain on sale generated from mortgage banking activities continues to be recorded when closed loans are delivered into the sales contracts.

	Federal Home Loan Bank Stock – The Bank is a member of the FHLB system. Members are required to own a certain amount of stock based on the level of borrowings and other factors, and may invest in additional amounts. Investment in stock of Federal Home Loan Bank is carried at cost, classified as a restricted security and periodically evaluated for impairment. Both cash and stock dividends are reported as income.

	Cash Surrender Value of Life Insurance – We have purchased life insurance policies on certain key executives. Company owned life insurance is recorded at the amount that can be realized under the insurance contract at the balance sheet date, which is the cash surrender value adjusted for other charges or other amounts due that are probable at settlement.

	Premises and Equipment – Land is carried at cost. Premises and equipment are stated at cost less accumulated depreciation. Buildings and related components are depreciated using the straight-line method with useful lives ranging from 5 to 40 years. Furniture, fixtures and equipment are depreciated using the straight-line method with useful lives ranging from 3 to 15 years.

Real Estate Owned – Real estate properties acquired through foreclosure and in settlement of loans are stated at fair value less estimated selling costs at the date of foreclosure. The excess of cost over fair value less the estimated costs to sell at the time of foreclosure is charged to the allowance for loan losses. Costs relating to development and improvement of property are capitalized when such amounts do not exceed fair value. Costs relating to holding property are not capitalized and are charged against operations in the current period.

Real Estate Owned-Bank Lots – Bank owned properties held for sale are carried at the lower of cost, including cost of development and improvement subsequent to acquisition, or fair value less estimated selling costs. The portion of interest costs relating to the development of real estate is capitalized.

Other Repossessed Assets – Consumer assets acquired through repossession and in settlement of loans, typically automobiles, are carried at lower of cost or fair value at the date of repossession. The excess cost over fair value at time of repossession is charged to the allowance for loan losses.

Intangible Assets –Intangible assets consist of core deposit and acquired customer relationship intangible assets arising from whole bank and branch acquisitions. They are initially measured at fair value and then are amortized on an accelerated method over their estimated useful lives, which range from 7 to 10 years. The remaining other intangible assets were fully amortized with the branch divestiture in 2012.

Long-Term Assets – Premises and equipment, core deposit and other intangible assets, and other long-term assets are reviewed for impairment when events indicate their carrying amount may not be recoverable from future undiscounted cash flows. If impaired, the assets are recorded at fair value.


Low Income Housing Investments – We enter into and invest in limited partnerships in order to invest in affordable housing projects for the primary purpose of obtaining available tax benefits. We are a limited partner in these investments and, as such, we are not involved in the management or operation of such investments. These investments are accounted for using the equity method of accounting. Under the equity method of accounting, we record our share of the partnership’s earnings or losses in our income statement and adjust the carrying amount of the investments on the consolidated balance sheet. These investments are evaluated for impairment when events indicate the carrying amount may not be recoverable. The investments recorded at December 31, 2013 and 2012 were $7.0 million and $7.1 million, respectively.

Brokerage and Insurance Commissions – Brokerage commissions are recognized as income on settlement date. Insurance commissions on loan products (credit life, mortgage life, accidental death, and guaranteed auto protection) are recognized as income over the life of the loan.

Stock Based Compensation – Compensation cost is recognized for stock options and restricted stock awards issued to employees, based on the fair value of these awards at the date of grant. A Black-Scholes model is utilized to estimate the fair value of stock options, while the market price of our common stock at the date of grant is used for restricted stock awards. Compensation cost is recognized over the required service period, generally defined as the vesting period. For awards with graded vesting, compensation cost is recognized on a straight-line basis over the requisite service period for the entire award.

Income Taxes – Income tax expense is the total of the current year income tax due or refundable and the change in deferred tax assets and liabilities. Deferred tax assets and liabilities are the expected future tax amounts for the temporary differences between carrying amounts and tax bases of assets and liabilities, computed using enacted tax rates. A valuation allowance, if needed, reduces deferred tax assets to the amount expected to be realized. A tax position is recognized as a benefit only if it is “more likely than not” that the tax position would be sustained in a tax examination, with a tax examination being presumed to occur. The amount recognized is the largest amount of tax benefit that is greater than 50% likely of being realized on examination. For tax positions not meeting the “more likely than not” test, no tax benefit is recorded. We recognize interest and penalties related to income tax matters in income tax expense.

Employee Stock Ownership Plan – Compensation expense is based on the market price of shares as they are committed to be released to participant accounts. Dividends on allocated ESOP shares reduce retained earnings. Since the ESOP has not acquired shares in advance of allocation to participant accounts, the plan has no unallocated shares.

Earnings/(Loss) Per Common Share – Basic earnings (loss) per common share is net income attributable to common shareholders divided by the weighted average number of common shares outstanding during the period. Diluted earnings per common share include the dilutive effect of additional potential common shares issuable under stock options and warrants. Earnings (loss) and dividends per share are restated for all stock dividends through the date of issuance of the financial statements.

Loss Contingencies – In the normal course of business, there are various outstanding legal proceedings and claims. In the opinion of management the disposition of such legal proceedings and claims will not materially affect our consolidated financial position, results of operations or liquidity.

Comprehensive Income/(Loss) – Comprehensive income (loss) consists of net income (loss) and other comprehensive income (loss). Other comprehensive income (loss) includes unrealized gains and losses on securities available-for-sale and the unrecognized loss on held-to-maturity securities for which an other-than-temporary charge has been recorded, which are also recognized as a separate component of equity, net of tax.

Loan Commitments and Related Financial Instruments – Financial instruments include off-balance sheet credit instruments, such as commitments to make loans and commercial letters of credit, issued to meet customer financing needs. The face amount for these items represents the exposure to loss, before considering customer collateral or ability to repay. Such financial instruments are recorded when they are funded.

Dividend Restriction – Banking regulations require maintaining certain capital levels and may limit the dividends paid by the bank to the holding company or by the holding company to shareholders. For additional information, see Note 14.

Fair Value of Financial Instruments – Fair values of financial instruments are estimated using relevant market information and other assumptions, as more fully disclosed in a separate note. Fair value estimates involve uncertainties and matters of significant judgment regarding interest rates, credit risk, prepayments, and other factors, especially in the absence of broad markets for particular items. Changes in assumptions or in market conditions could significantly affect the estimates.


Operating Segments – Segments are parts of a company evaluated by management with separate financial information. Our internal financial information is primarily reported and evaluated in three lines of business, banking, mortgage banking, and brokerage. These segments are dominated by banking at a magnitude for which separate individual segment disclosures are not required.

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 stockholders’ 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. The adoption of ASU 2013-11 is not expected to have a material impact on the consolidated financial statements.

Recently Issued Accounting Pronouncement – In January 2014, the Financial Accounting Standards Board issued Accounting Standards Update No. 2014-01, Accounting for Investments in Qualified Affordable Housing Projects (ASU 2014-01). ASU 2014-01 permits reporting entities to make an accounting policy election to account for investments in qualified affordable housing projects using the proportional amortization method if certain conditions are met. Under the proportional amortization method, an entity amortizes the initial cost of the investment in proportion to the tax credits and other tax benefits received and recognizes the net investment performance in the income statement as a component of income tax expense. This new guidance also requires new disclosures for all investors in these projects. ASU 2014-01 is effective for interim and annual reporting periods beginning after December 15, 2014. Upon adoption, the guidance must be applied retrospectively to all periods presented. However, entities that use the effective yield method to account for investments in these projects before adoption may continue to do so for these pre-existing investments. The adoption of ASU 2014-01 is not expected to have a material impact on the consolidated financial statements.

REGULATORY_MATTERS

REGULATORY MATTERS	12 Months Ended
	Dec. 31, 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.

	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.

	At December 31, 2013, the Bank’s Tier 1 capital ratio was 8.02% and the total risk-based capital ratio was 13.57% compared to the minimum 9.00% and 12.00% capital ratios required by the Consent Order and compared to 6.53% and 12.21% at December 31, 2012. For the fifth consecutive quarter, we have achieved and maintained the required total risk-based capital ratio. Our Tier 1 capital ratio also improved, but has yet to reach the Consent Order minimum. We are continuing to explore 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 failure 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.

	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. On July 6, 2012, 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 2014 include the following:

		·	Continuing to 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	12 Months Ended
SECURITIES	Dec. 31, 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:
	December 31, 2013:
	Government-sponsored collateralized mortgage obligations		$	104,390		$	86		$	-3,660		$	100,816
	Government-sponsored mortgage-backed residential			78,204			4			-3,884			74,324
	Corporate bonds			43,818			208			-328			43,698
	Asset backed-collateralized loan obligations			35,113			-			-635			34,478
	State and municipal			11,670			264			-11			11,923
	Commercial mortgage backed			4,097			-			-54			4,043

	Total		$	277,292		$	562		$	-8,572		$	269,282

	Securities available-for-sale:
	December 31, 2012:
	Government-sponsored collateralized mortgage obligations		$	148,460		$	2,033		$	-346		$	150,147
	Government-sponsored mortgage-backed residential			144,617			774			-502			144,889
	Corporate bonds			32,567			433			-33			32,967
	State and municipal			11,394			1,324			-			12,718
	U.S. government agencies			8,284			7			-13			8,278
	Private asset backed			4,981			151			-			5,132

	Total		$	350,303		$	4,722		$	-894		$	354,131

	The amortized cost and fair value of securities at December 31, 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		$	3,060		$	3,063
	Due after one year through five years			40,465			40,465
	Due after five years through ten years			4,742			4,643
	Due after ten years			7,221			7,450
	Investment securities with no single maturity date:
	Government-sponsored collateralized mortgage obligations			104,390			100,816
	Government-sponsored mortgage-backed residential			78,204			74,324
	Asset backed-collateralized loan obligations			35,113			34,478
	Commercial mortgage backed			4,097			4,043
			$	277,292		$	269,282


	The following schedule shows the proceeds from sales of available-for-sale securities and the gross realized gains and losses on those sales:

			Year Ended December 31,
			2013			2012			2011
			(Dollars in thousands)

	Proceeds		$	143,781		$	216,404		$	192,342
	Gross realized gains			1,257			3,384			995
	Gross realized losses			1,031			1,131			149

	Tax expense related to realized gains was $0 for all periods presented.

	Investment securities pledged to secure public deposits and Federal Home Loan Bank (FHLB) advances had an amortized cost of $193.0 million and fair value of $185.8 million at December 31, 2013 and a $130.4 million amortized cost and fair value of $132.3 million at December 31, 2012.

	Securities with unrealized losses at year end 2013 and 2012 aggregated by major security type and length of time in a continuous unrealized loss position are as follows:

December 31, 2013		Less than 12 Months						12 Months or More						Total
		Fair			Unrealized			Fair			Unrealized			Fair		Unrealized
Description of Securities		Value			Loss			Value			Loss			Value		Loss

Government-sponsored collateralized mortgage obligations		$	59,168		$	-2,119		$	20,560		$	-1,541		$	79,728	$	-3,660
Government-sponsored mortgage-backed residential			59,971			-2,864			13,215			-1,020			73,186		-3,884
Corporate bonds			17,578			-328			-			-			17,578		-328
Asset backed-collateralized loan obligations			34,478			-635			-			-			34,478		-635
State and municipal			1,865			-11			-			-			1,865		-11
Commercial mortgage backed			4,043			-54			-			-			4,043		-54

Total temporarily impaired		$	177,103		$	-6,011		$	33,775		$	-2,561		$	210,878	$	-8,572

December 31, 2012		Less than 12 Months						12 Months or More						Total
		Fair			Unrealized			Fair			Unrealized			Fair		Unrealized
Description of Securities		Value			Loss			Value			Loss			Value		Loss

Government-sponsored collateralized mortgage obligations		$	33,275		$	-346		$	-		$	-		$	33,275	$	-346
Government-sponsored mortgage-backed residential			82,137			-502			-			-			82,137		-502
Corporate bonds			5,731			-33			-			-			5,731		-33
U.S. government agencies			3,255			-13			-			-			3,255		-13

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 December 31, 2013.

At December 31, 2013, we own Collateralized Loan Obligations (“CLOs”), subject to the Volcker Rule (Rule), with an amortized cost of $34.5 million and an unrealized loss of $635,000. Absent changes to the Rule, we could be required to dispose of these securities prior to July 2015. We believe the unrealized loss reflected results not from credit risk but from interest rate changes and to the uncertainty created by the Rule. We did not intend to sell these securities at year end 2013 and we believe it is more likely than not that we will not be required to sell these securities prior to their recovery. We expect there may be additional regulatory guidance, similar to the interim final rule issued on January 14, 2014 that provided relief to banks to hold certain Trust Preferred Collateralized Debt Obligations, or a legislative ruling that, if they occur, would eliminate the requirement that we dispose of these securities prior to July 2015, or that we will be able to develop structural solutions that can be applied to our CLO securities to bring them into compliance with the final Volcker Rule. In February and March of 2014, we sold 4 of our CLOs to confirm their marketability and evaluate our assessment about their market values. These CLOs had an amortized cost of $14.4 million and an unrealized loss of $233,000 at year end 2013. We realized a loss of $83,000 on these sales. This loss is not reflected in our 2013 financial statements as it is not significant. We do not currently intend to sell additional CLOs and continue to believe that it is more likely than not that we will not be required to sell these securities prior to their recovery.

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)
		2012			2011

Beginning balance		$	2,078		$	1,910
Increases to the amount related to the credit loss for which other-than-temporary impairment was previously recognized			26			168
Sales/call of securities			-2,104			-
Ending balance		$	-		$	2,078

LOANS

LOANS	12 Months Ended
LOANS	Dec. 31, 2013
Receivables [Abstract]	'
Loans, Notes, Trade and Other Receivables Disclosure [Text Block]	'
		4	LOANS

	Loans are summarized as follows:

			December 31,
	(Dollars in thousands)		2013			2012

	Commercial Real Estate (CRE):
	Other-CRE other than Land
	Development and Building Lots		$	257,901		$	290,424
	Land Development			20,476			28,310
	Building Lots			1,559			2,151
	Residential mortgage			99,344			110,025
	Consumer and home equity			54,010			57,888
	Commercial			20,621			19,931
	Indirect consumer			13,041			16,211
				466,952			524,940
	Less:
	Net deferred loan origination fees			-90			-105
	Allowance for loan losses			-9,576			-17,265
				-9,666			-17,370

	Net Loans		$	457,286		$	507,570

	We utilize eligible real estate loans to collateralize advances and letters of credit from the Federal Home Loan Bank. We had $41 million in residential mortgage loans pledged under this arrangement at December 31, 2013 and $50 million in residential mortgage loans pledged at December 31, 2012.

	The following tables present the activity in the allowance for loan losses by portfolio segment for the years ending December 31, 2013, 2012 and 2011:

	December 31, 2013					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			-587			-2,396			77			32			-212			-3,086
	Charge-offs			-166			-4,215			-318			-210			-118			-5,027
	Recoveries			57			154			32			45			136			424
	Total ending allowance balance		$	540		$	8,358		$	292		$	309		$	77		$	9,576

	December 31, 2012					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			32			7,114			-333			59			-75			6,797
	Charge-offs			-313			-6,295			-88			-249			-219			-7,164
	Recoveries			95			166			-			22			168			451
	Total ending allowance balance		$	1,236		$	14,815		$	501		$	442		$	271		$	17,265



	December 31, 2011					Commercial			Residential			Consumer &			Indirect
			Commercial			Real Estate			Mortgage			Home Equity			Consumer			Total
	(Dollars in thousands)
	Allowance for loan losses:
	Beginning Balance		$	1,657		$	18,753		$	751		$	708		$	796		$	22,665
	Provision for loan losses			786			19,798			837			107			-318			21,210
	Allowance associated with probable branch divestiture and probable loan sale			-1			-5			-236			-41			-			-283
	Charge-offs			-1,093			-24,987			-438			-246			-188			-26,952
	Recoveries			73			271			8			82			107			541
	Total ending allowance balance		$	1,422		$	13,830		$	922		$	610		$	397		$	17,181

	We did not implement any significant changes to our allowance related accounting policies or methodology during the current period.

The following tables present 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 December 31, 2013 and 2012:

December 31, 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		$	148		$	2,603		$	3		$	32		$	-		$	2,786
Collectively evaluated for impairment			392			5,755			289			277			77			6,790

Total ending allowance balance		$	540		$	8,358		$	292		$	309		$	77		$	9,576

Loans:
Loans individually evaluated for impairment		$	803		$	32,911		$	3,051		$	546		$	-		$	37,311
Loans collectively evaluated for impairment			19,818			247,025			96,293			53,464			13,041			429,641

Total ending loans balance		$	20,621		$	279,936		$	99,344		$	54,010		$	13,041		$	466,952

December 31, 2012					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


The following tables’ present loans individually evaluated for impairment by class of loans as of December 31, 2013, 2012 and 2011. 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 excludes accrued interest receivable and loan origination fees.

December 31, 2013		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		$	679		$	475		$	-		$	747		$	21		$	21
Commercial Real Estate:
Land Development			2,014			1,989			-			2,898			139			139
Building Lots			477			212			-			212			-			-
Other			25,441			21,864			-			17,934			754			754
Residential Mortgage			3,119			2,992			-			2,368			63			63
Consumer and Home Equity			478			478			-			330			10			10
Indirect Consumer			-			-			-			-			-			-

With an allowance recorded:
Commercial			328			328			148			314			9			9
Commercial Real Estate:
Land Development			2,206			2,206			1,581			2,538			121			121
Building Lots			-			-			-			-			-			-
Other			6,640			6,640			1,021			16,512			694			694
Residential Mortgage			59			59			3			312			8			8
Consumer and Home Equity			68			68			33			229			7			7
Indirect Consumer			-			-			-			-			-			-

Total		$	41,509		$	37,311		$	2,786		$	44,394		$	1,826		$	1,826

December 31, 2012		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



December 31, 2011		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		$	2,154		$	2,154		$	-		$	1,808		$	86		$	86
Commercial Real Estate:
Land Development			12,719			7,124			-			8,336			203			203
Building Lots			3,662			1,305			-			522			2			2
Other			36,475			32,337			-			37,038			1,471			1,471
Residential Mortgage			-			-			-			-			-			-
Consumer and Home Equity			-			-			-			-			-			-
Indirect Consumer			-			-			-			-			-			-

With an allowance recorded:
Commercial			1,076			1,076			410			1,210			57			57
Commercial Real Estate:
Land Development			2,952			2,952			442			8,438			206			206
Building Lots			477			477			265			1,894			6			6
Other			17,518			17,150			2,696			24,697			982			982
Residential Mortgage			1,802			1,681			481			1,648			19			19
Consumer and Home Equity			193			193			109			261			-			-
Indirect Consumer			123			123			39			134			-			-

Total		$	79,151		$	66,572		$	4,442		$	85,986		$	3,032		$	3,032

The following tables present the recorded investment in restructured, nonaccrual and loans past due over 90 days still on accrual by class of loans as of December 31, 2013 and 2012.

								Restructured
								Loans Past Due			Loans Past Due
December 31, 2013								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		$	-		$	178		$	-		$	-		$	421
Commercial Real Estate:
Land Development			-			1,687			-			-			302
Building Lots			-			-			-			-			212
Other			986			17,025			4,780			2,226			6,443
Residential Mortgage			301			-			-			-			1,532
Consumer and Home Equity			23			73			-			-			156
Indirect Consumer			-			-			-			-			30

Total		$	1,310		$	18,963		$	4,780		$	2,226		$	9,096

								Restructured
								Loans Past Due			Loans Past Due
December 31, 2012								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 tables present the aging of the unpaid principal in past due loans as of December 31, 2013 and 2012 by class of loans:

December 31, 2013		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		$	-		$	-		$	421		$	421		$	20,200		$	20,621
Commercial Real Estate:
Land Development			-			-			302			302			20,174			20,476
Building Lots			-			-			212			212			1,347			1,559
Other			5,250			6,213			13,442			24,905			232,996			257,901
Residential Mortgage			1,446			511			1,053			3,010			96,334			99,344
Consumer and Home Equity			430			23			117			570			53,440			54,010
Indirect Consumer			211			55			22			288			12,753			13,041

Total		$	7,337		$	6,802		$	15,569		$	29,708		$	437,244		$	466,952

December 31, 2012		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:

We have allocated $1.1 million and $3.1 million of specific reserves to customers whose loan terms have been modified in troubled debt restructurings as of December 31, 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 periods ending December 31, 2013 and 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 years ending December 31, 2013 and 2012:

					Pre-Modification			Post-Modification
December 31, 2013					Outstanding			Outstanding
		Number			Recorded			Recorded
(Dollars in thousands)		of Loans			Investment			Investment

Troubled Debt Restructurings:
Commercial			-		$	-		$	-
Commercial Real Estate:
Land Development			-			-			-
Building Lots			-			-			-
Other			5			3,485			3,485
Residential Mortgage			-			-			-
Consumer and Home Equity			2			73			73
Indirect Consumer			-			-			-

Total			7		$	3,558		$	3,558

					Pre-Modification			Post-Modification
December 31, 2012					Outstanding			Outstanding
		Number			Recorded			Recorded
(Dollars in thousands)		of Loans			Investment			Investment

Troubled Debt Restructurings:
Commercial			2		$	58		$	58
Commercial Real Estate:
Land Development			3			3,727			3,586
Building Lots			2			171			171
Other			6			6,508			6,508
Residential Mortgage			-			-			-
Consumer and Home Equity			-			-			-
Indirect Consumer			-			-			-

Total			13		$	10,464		$	10,323

The troubled debt restructurings described above increased the allowance for loan losses allocated to troubled debt restructurings by $53,000 and $197,000 during the years ending December 31, 2013 and 2012. The troubled debt restructurings described above resulted in charge-offs of $0 and $141,000 during the years ending December 31, 2013 and 2012.


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 years ending December 31, 2013 and 2012:

December 31, 2013
		Number			Recorded
(Dollars in thousands)		of Loans			Investment

Troubled Debt Restructurings:
Commercial			-		$	-
Commercial Real Estate:
Land Development			-			-
Building Lots			-			-
Other			1			4,780
Residential Mortgage			-			-
Consumer and Home Equity			-			-
Indirect Consumer			-			-

Total			1		$	4,780

December 31, 2012
		Number			Recorded
(Dollars in thousands)		of Loans			Investment

Troubled Debt Restructurings:
Commercial			-		$	-
Commercial Real Estate:
Land Development			2			2,862
Building Lots			-			-
Other			1			7,531
Residential Mortgage			-			-
Consumer and Home Equity			-			-
Indirect Consumer			-			-

Total			3		$	10,393

For disclosure purposes, a loan is considered to be in payment default once it is 90 days contractually past due under the modified terms. In order to determine whether a borrower is experiencing financial difficulty, an evaluation is performed of the probability that the borrower will be in payment default on any of its debt in the foreseeable future without the modification. This evaluation is performed under our internal underwriting policy.

The troubled debt restructurings that subsequently defaulted described above resulted in a reversal of provision for loan losses of $111,000 and increased the allowance for loan losses by $1.6 million during the years ending December 31, 2013 and 2012. The troubled debt restructurings that subsequently defaulted described above resulted in charge offs of $0 and $2.2 million for the years ending December 31, 2013 and 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 December 31, 2013 and 2012, and based on the most recent analysis performed, the risk category of loans by class of loans is as follows:

December 31, 2013
(Dollars in thousands)		Not Rated			Pass			Criticized			Substandard			Doubtful			Loss			Total

Commercial		$	-		$	19,289		$	470		$	862		$	-		$	-		$	20,621
Commercial Real Estate:
Land Development			-			15,484			2,484			2,508			-			-			20,476
Building Lots			-			906			441			212			-			-			1,559
Other			-			213,719			13,920			30,262			-			-			257,901
Residential Mortgage			95,351			-			942			3,051			-			-			99,344
Consumer and Home Equity			53,407			-			72			531			-			-			54,010
Indirect Consumer			12,988			-			-			53			-			-			13,041

Total		$	161,746		$	249,398		$	18,329		$	37,479		$	-		$	-		$	466,952

December 31, 2012
(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 tables present the unpaid principal balance in residential mortgage, consumer and home equity and indirect consumer loans based on payment activity as of December 31, 2013 and 2012:

December 31, 2013		Residential			Consumer &			Indirect
(Dollars in thousands)		Mortgage			Home Equity			Consumer

Performing		$	97,511		$	53,831		$	13,011
Restructured on non-accrual			301			23			-
Non-accrual			1,532			156			30

Total		$	99,344		$	54,010		$	13,041

December 31, 2012		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	12 Months Ended
REAL ESTATE ACQUIRED THROUGH FORECLOSURE	Dec. 31, 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:

			December 31,
	(Dollars in thousands)		2013		2012		2011

	Beginning balance, January 1,		$	22,286	$	29,083	$	25,807
	Additions			8,713		18,100		19,416
	Net proceeds from sale of properties			-17,076		-19,250		-6,877
	Writedowns			-2,185		-5,147		-9,263
	Change in valuation allowance			-81		-500		-
	Ending balance		$	11,657	$	22,286	$	29,083

	Real estate acquired through foreclosure expense which consists primarily of property management expenses was $1.8 million, $3.7 million and $1.9 million for the years ended December 31, 2013, 2012 and 2011, respectively.

	The increase in real estate acquired through foreclosure expense for the year ended December 31, 2012 was primarily due to a $1.5 million termination fee recorded in the second quarter that was related to the termination of a property investment and management agreement on a residential development held in other real estate owned.

	A summary of the real estate acquired through foreclosure valuation allowance activity is as follows:

			Year Ended
			December 31,
			2013		2012
	(Dollars in thousands)

	Beginning balance		$	500	$	-
	Provision			427		500
	Writedowns and loss on sale			-346		-
	Ending balance		$	581	$	500

FAIR_VALUE

FAIR VALUE	12 Months Ended
FAIR VALUE	Dec. 31, 2013
Fair Value Disclosures [Abstract]	'
Fair Value Disclosures [Text Block]	'
	6	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: The fair values of some corporate bonds are determined by obtaining quoted prices on nationally recognized securities exchanges (Level 1 inputs). 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 and bank lots held for sale 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:

						Quoted Prices in
						Active Markets for			Significant Other			Significant
			December 31,			Identical Assets			Observable Inputs			Unobservable Inputs
	(Dollars in thousands)		2013			(Level 1)			(Level 2)			(Level 3)

	Assets:
	Government-sponsored collateralized mortgage obligations		$	100,816		$	-		$	100,816		$	-
	Government-sponsored mortgage-backed residential			74,324			-			74,324			-
	Corporate bonds			43,698			10,768			32,930			-
	Asset backed-collateralized loan obligations			34,478			-			34,478			-
	State and municipal			11,923			-			11,923			-
	Commercial mortgage backed			4,043			-			4,043			-

	Total		$	269,282		$	10,768		$	258,514		$	-

						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:
	Government-sponsored collateralized mortgage obligations		$	150,147		$	-		$	150,147		$	-
	Government-sponsored mortgage-backed residential			144,889			-			144,889			-
	Corporate bonds			32,967			-			32,967			-
	State and municipal			12,718			-			12,718			-
	U.S. government agencies			8,278			-			8,278			-
	Private asset backed			5,132			-			5,132			-

	Total		$	354,131		$	-		$	354,131		$	-

	The following transfers between Level 1 and Level 2 occurred during 2013 due to the corporate bonds being actively traded in the open market: There were no transfers between Level 1 and Level 2 during 2012.

			Year Ended
			December 31,
	(Dollars in thousands)		2013

	Transfer from Level 2 to Level 1:
	Corporate bonds		$	5,103

We conduct a 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 period ended December 31, 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 3assets measured at fair value on a recurring basis at December 31, 2013.

		Fair Value Measurements
		Using Significant
		Unobservable Inputs
		(Level 3)

		Year Ended
		December 31,
(Dollars in thousands)		2012

Beginning balance		$	264
Total gains or losses:
Impairment charges on securities			-
Included in other comprehensive income			18
Purchases			-
Sales or calls			-282
Settlements			-
Transfers in and/or out of Level 3			-
Ending balance		$	-

The table below summarizes changes in unrealized gains and losses recorded in earnings for the year ended December 31 for Level 3 assets and liabilities that are still held at December 31.

		Changes in Unrealized Gains/Losses
		Relating to Assets Still Held at Reporting
		Date for the Year Ended
		December 31,
(Dollars in thousands)		2011

Interest income on securities		$	-
Other changes in fair value			83
Total		$	83


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
		December 31,			Identical Assets			Observable Inputs			Unobservable Inputs
(Dollars in thousands)		2013			(Level 1)			(Level 2)			(Level 3)

Assets:
Impaired loans:
Commercial		$	180		$	-		$	-		$	180
Commercial Real Estate:
Land Development			625			-			-			625
Other			5,619			-			-			5,619
Residential Mortgage			56			-			-			56
Consumer and Home Equity			35			-			-			35
Real estate acquired through foreclosure:
Commercial Real Estate:
Land Development			947			-			-			947
Other			2,667			-			-			2,667
Residential Mortgage			634			-			-			634
Other real estate owned:
Bank Lots			792			-			-			792

					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 $9.3 million and $22.9 million, with a valuation allowance of $2.8 million and $8.0 million, resulting in a reversal of provision for loan losses of $2.6 million and an additional provision for loan losses of $3.6 million for the 2013 and 2012 periods respectively.

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 $2.2 million and $5.1 million were made to real estate owned during the periods ended December 31, 2013 and 2012 respectively.

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 December 31, 2013.

		Fair			Valuation		Unobservable		Range (Weighted
(Dollars in thousands)		Value			Technique(s)		Input(s)		Average)

Impaired loans:
Commercial Real Estate:
Land Development			625		Sales comparison approach		Adjustment for differences between comparable sales		3.10%-18.00% (15.98%)

Other			5,194		Income approach		Discount or capitalization rate		8.50%-9.00% (8.84%)

Residential Mortgage			56		Sales comparison approach		Adjustment for differences between comparable sales		3.00% (1)

Consumer and Home Equity			35		Sales comparison approach		Adjustment for differences between comparable sales		2.10%-2.25% (2.20%)

Real estate acquired through foreclosure:
Commercial Real Estate:
Land Development			919		Income approach		Discount or capitalization rate		7.40%-29.00% (21.33%)
			28		Sales comparison approach		Adjustment for differences between comparable sales		0.00% (1)

Other			1,626		Income approach		Discount or capitalization rate		9.40%-10.00% (9.80%)
			1,041		Sales comparison approach		Adjustment for differences between comparable sales		8.00%-25.00% (19.73%)

Residential Mortgage			634		Sales comparison approach		Adjustment for differences between comparable sales		0.00%-13.00% (2.08%)

Real estate owned:
Bank Lots			792		Sales comparison approach		Adjustment for differences between comparable sales		10.00% (1)

__________________________________________________________________
(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:

					December 31, 2013
(Dollars in thousands)		Carrying			Fair Value Measurements
		Value			Total			Level 1			Level 2			Level 3
Financial assets:
Cash and due from banks		$	65,988		$	65,988		$	6,596		$	59,392		$	-
Mortgage loans held for sale			470			478			-			478			-
Loans, net			450,771			453,592			-			-			453,592
Accrued interest receivable			2,224			2,224			-			1,136			1,088
FHLB stock			4,430			N/A			N/A			N/A			N/A

Financial liabilities:
Deposits			783,487			733,515			-			733,515			-
Advances from Federal Home Loan Bank			12,389			13,315			-			13,315			-
Subordinated debentures			18,000			13,038			-			-			13,038
Accrued interest payable			4,485			4,485			-			4,485			-

					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			-			1,350			1,340
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 2 or 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.

PREMISES_AND_EQUIPMENT

PREMISES AND EQUIPMENT	12 Months Ended
PREMISES AND EQUIPMENT	Dec. 31, 2013
Property, Plant and Equipment [Abstract]	'
Property, Plant and Equipment Disclosure [Text Block]	'
	7	PREMISES AND EQUIPMENT

	Premises and equipment consist of the following:

			December 31,
	(Dollars in thousands)		2013		2012

	Land		$	4,360	$	6,654
	Buildings			25,455		25,567
	Furniture, fixtures and equipment			12,350		12,320
				42,165		44,541
	Less accumulated depreciation			-18,392		-17,493
			$	23,773	$	27,048

	Three properties with an original cost of $1.7 million are no longer being held for future branch expansion. As of December 31, 2013, these properties are held for sale and have been moved to other real estate owned-bank lots.

	Depreciation expense was $1,425,000, $1,554,000 and $1,638,000 for 2013, 2012 and 2011, respectively.

	Certain premises are leased under various operating leases. Lease expense was $649,000, $703,000 and $679,000, for the years ended December 31, 2013, 2012 and 2011, respectively. Future minimum commitments under these leases are:

			Year Ended
	(Dollars in thousands)		December 31,

	2014		$	615
	2015			615
	2016			589
	2017			466
	2018			472
	Thereafter			5,610
			$	8,367

INTANGIBLE_ASSETS

INTANGIBLE ASSETS	12 Months Ended
INTANGIBLE ASSETS	Dec. 31, 2013
Goodwill and Intangible Assets Disclosure [Abstract]	'
Intangible Assets Disclosure [Text Block]	'
		8	INTANGIBLE ASSETS

	Acquired intangible assets were as follows at year end:

	(Dollars in thousands)		December 31, 2012						December 31, 2011
			Gross						Gross
			Carrying		Accumulated				Carrying		Accumulated
			Amount		Amortization		Sold		Amount		Amortization
	Amortized intangible assets:
	Core deposit intangibles		$	1,910	$	1,323	$	587	$	1,910	$	1,196
	Other customer relationship intangibles			669		409		260		669		364
			$	2,579	$	1,732	$	847	$	2,579	$	1,560

	All of the acquired intangible assets listed above were fully amortized with the branch divesture in 2012. Aggregate amortization expense was $172,000 and $370,000 for 2012 and 2011.

DEPOSITS

DEPOSITS	12 Months Ended
DEPOSITS	Dec. 31, 2013
Deposits [Abstract]	'
Deposit Liabilities Disclosures [Text Block]	'
	9	DEPOSITS

	Time deposits of $100,000 or more were $147.5 million and $231.4 million at December 31, 2013 and 2012. At December 31, 2013, scheduled maturities of time deposits are as follows:

	(Dollars in thousands)		Amount

	2014		$	158,041
	2015			65,486
	2016			32,289
	2017			16,024
	2018			13,258
	Thereafter			42,852
			$	327,950

	Brokered deposits totaled $27.3 million and $56.9 million at year end 2013 and 2012. Brokered deposits that are scheduled to mature within the next twelve months are $8.6 million. Due to our agreement with bank regulatory agencies, we are not allowed to accept, renew or rollover brokered deposits (including deposits through the CDARs program) without prior regulatory approval.

ADVANCES_FROM_FEDERAL_HOME_LOA

ADVANCES FROM FEDERAL HOME LOAN BANK	12 Months Ended
ADVANCES FROM FEDERAL HOME LOAN BANK	Dec. 31, 2013
Advances from Federal Home Loan Banks [Abstract]	'
Federal Home Loan Bank Advances, Disclosure [Text Block]	'
	10	ADVANCES FROM FEDERAL HOME LOAN BANK

	Advances from the FHLB at year-end are as follows:

			December 31,
			2013					2012
			Weighted-					Weighted-
	(Dollars in Thousands)		Average					Average
			Rate			Amount		Rate			Amount
	Fixed rate advances:
	Convertible fixed rate advance with an interest rate of 4.02% due 2017			4.02	%	$	10,000		4.02	%	$	10,000
	Other fixed rate advances with interest rates from 4.19% to 5.72%due through 2026
				4.85	%		2,389		4.87	%		2,596
	Total borrowings					$	12,389				$	12,596

	Our convertible fixed rate advance is fixed for a two year period. At the end of the fixed rate term and quarterly thereafter, the FHLB has the right to convert the advance to a variable rate advance tied to the three-month LIBOR index. Upon conversion, we can prepay the advance at no penalty. During the third quarter of 2012, we prepaid a $10.0 million convertible fixed rate advance with an interest rate of 3.99% and a scheduled maturity date of 2014. We also prepaid a $5.0 million convertible fixed rate advance with an interest rate of 4.22% and a scheduled maturity date of 2017. In connection with these transactions, we incurred $1.5 million in prepayment penalties. We prepaid these advances to decrease our cost of funds and improve interest income. Advances from the FHLB are secured by our stock in the FHLB, certain securities and substantially all of our first mortgage loans on an individual basis. At December 31, 2013, we had $41.2 million in loans pledged under this arrangement and sufficient collateral available to borrow, approximately, an additional $20.2 million in advances from the FHLB.


	The aggregate minimum annual repayments of borrowings as of December 31, 2013 are as follows:

			(Dollars in thousands)

	2014		$	222
	2015			505
	2016			345
	2017			10,365
	2018			454
	Thereafter			498
			$	12,389

SUBORDINATED_DEBENTURES

SUBORDINATED DEBENTURES	12 Months Ended
	Dec. 31, 2013
Subordinated Borrowings [Abstract]	'
Subordinated Borrowings Disclosure [Text Block]	'
	11	SUBORDINATED DEBENTURES

	Two trust subsidiaries of First Financial Service Corporation have together issued a total of $18 million trust preferred securities. The subsidiaries have loaned the sales proceeds from these issuances to us in exchange for junior subordinated deferrable interest debentures. We are not considered the primary beneficiary of these trusts, which are variable interest entities. Therefore the trusts are not consolidated in our financial statements. Rather, the subordinated debentures we have issued to them are shown as a liability. Our investment in the common stock of the trusts was $310,000.

	The subordinated debentures are considered as Tier 1 capital or Tier 2 capital for the Corporation under current regulatory guidelines. Capital received from the proceeds of the sale of trust preferred securities cannot constitute more than 25% of the total core capital of the Corporation. The amount of subordinated debentures in excess of the 25% limitation constitutes Tier 2 capital for the Corporation. We have the option to defer interest payments on the subordinated debentures from time to time for a period not to exceed five consecutive years.

	In 2008, one such trust subsidiary issued $8.0 million in trust preferred securities and loaned the sales proceeds to us, which we used to finance the purchase of our Indiana banking operations. The subordinated debentures we issued to the trust mature on June 24, 2038, can be called at par in whole or in part on or after June 24, 2018, and pay a fixed rate of 8% for thirty years.

	In 2007, the other trust subsidiary issued 30 year cumulative trust preferred securities totaling $10 million at a 10 year fixed rate of 6.69% adjusting quarterly thereafter at LIBOR plus 160 basis points. These securities mature on March 22, 2037, and can be called at par in whole or in part on or after March 15, 2017.

	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 December 31, 2013, we have deferred a total of thirteen quarterly payments and these accrued but unpaid interest payments totaled $4.4 million.

PREFERRED_STOCK

PREFERRED STOCK	12 Months Ended
	Dec. 31, 2013
Equity [Abstract]	'
Preferred Stock [Text Block]	'
		12	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 paid cumulative dividends quarterly at a rate of 5% per year for the first five years and then reset to 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 December 31, 2013, we have deferred a total of thirteen quarterly payments and these accrued but unpaid dividends totaled $3.5 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 though subject to the Consent Order discussed in Note 2.

	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, at the current 9% annual rate, continues until our Senior Preferred Shares are fully retired.

INCOME_TAXES

INCOME TAXES	12 Months Ended
INCOME TAXES	Dec. 31, 2013
Income Tax Disclosure [Abstract]	'
Income Tax Disclosure [Text Block]	'
		13	INCOME TAXES

	We file a consolidated federal income tax return and income tax is apportioned among all companies based on their taxable income or loss. Provision for income taxes is as follows:

			Year Ended December 31,
	(Dollars in thousands)		2013			2012			2011

	Current		$	3		$	-18		$	-2,853
	Deferred			4,967			-906			-3,179
	Net Operating Loss			-5,441			-2,907			-5,269

				-471			-3,831			-11,301
	Valuation allowance			474			3,813			8,318

	Total income tax expense/(benefit)		$	3		$	-18		$	-2,983

	The provision for income taxes differs from the amount computed at the statutory rates as follows:

			Year Ended December 31,
	(Dollars in thousands)		2013				2012				2011

	Federal statutory rate			34	%			34	%			34	%
	Change in valuation allowance			63.7				-45.3				-31.8
	Tax-exempt interest income			-10.4				1.2				1.3
	Increase in cash surrender value of life insurance			-16.8				1.5				0.4
	Stock option expense			6.9				-0.5				-0.1
	Low income Housing tax credits			-76.9				12.7				7.1
	Other			-0.2				-3.4				0.5
	Effective rate			0.3	%			0.2	%			11.4	%

	The calculation for the income tax provision or benefit generally does not consider the tax effects of changes in other comprehensive income, or OCI, which is a component of stockholders’ equity on the balance sheet. However, an exception is provided in certain circumstances, such as when there is a full valuation allowance against net deferred tax assets, there is a loss from continuing operations and income in other components of the financial statements. In such a case, pre-tax income from other categories, such as changes in OCI, must be considered in determining a tax benefit to be allocated to the loss from continuing operations. For the years ended December 31, 2013, 2012 and 2011 this resulted in $0, $0 and $3.1 million of income tax benefit allocated to continuing operations.

	A 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 five 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. These factors represent the most significant negative evidence that we considered in concluding that a valuation allowance was necessary at December 31, 2013 and December 31, 2012.


	Temporary differences between the financial statement carrying amounts and tax bases of assets and liabilities that give rise to significant portions of deferred income taxes relate to the following:

			December 31,
	(Dollars in thousands)		2013			2012

	Deferred tax assets:
	Allowance for loan losses		$	3,308		$	5,965
	Net operating loss carryforward			13,617			8,176
	AMT credit carryforward			196			196
	Low income housing credits			3,494			2,922
	Net unrealized loss on securities available-for-sale			2,726			-
	Intangibles and fair value adjustments			-			120
	Writedowns of real estate owned			1,226			3,917
	Nonaccrual loan interest			805			1,253
	Accrued liabilities and other			423			230
	Total deferred tax assets			25,795			22,779

	Deferred tax liabilities:
	Depreciation			1,848			1,982
	Net unrealized gain on securities available-for-sale			-			1,299
	Federal Home Loan Bank stock			1,049			1,049
	Deferred gain on like-kind exchange			4			4
	Other			240			290
	Total deferred tax liabilities			3,141			4,624

	Net temporary differences			22,654			18,155

	Valuation allowance			-22,654			-18,155

Net deferred tax assets		$	-		$	-

At December 31, 2013, we had net operating loss carryforwards of $39 million which begin to expire in 2032.

We file a consolidated U.S. federal income tax return and the Corporation files income tax returns in Kentucky, Indiana and Tennessee. The Bank is subject to federal income tax and state income tax in Indiana and Tennessee. These returns are subject to examination by taxing authorities for all years after 2009.

There were no unrecognized tax benefits at December 31, 2013 and we do not expect the total of unrecognized tax benefits to significantly increase in the next twelve months.

Federal income tax laws provided savings banks with additional bad debt deductions through 1987, totaling $9.3 million for us. Accounting standards do not require a deferred tax liability to be recorded on this amount, which would otherwise total $3.2 million at December 31, 2013 and 2012. If we were liquidated or otherwise ceased to be a bank or if tax laws were to change, the $3.2 million would be recorded as a liability with an offset to expense.

STOCKHOLDERS_EQUITY

STOCKHOLDERS' EQUITY	12 Months Ended
STOCKHOLDERS' EQUITY	Dec. 31, 2013
Equity [Abstract]	'
Stockholders' Equity Note Disclosure [Text Block]	'
		14	STOCKHOLDERS’ EQUITY

		(a)	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
			Amount		Ratio				Amount			Ratio				Amount			Ratio
	As of December 31, 2013:
	Total risk-based capital (to risk- weighted assets)
	Consolidated		$	68,477		12.13	%		$	45,174			8	%		$	67,761			12	%
	Bank			76,147		13.48				45,177			8				67,765			12
	Tier I capital (to risk-weighted assets)
	Consolidated			58,036		10.28				22,587			4				N/A			N/A
	Bank			69,057		12.23				22,588			4				N/A			N/A
	Tier I capital (to average assets)
	Consolidated			58,036		6.68				34,737			4				78,158			9
	Bank			69,057		7.96				34,706			4				78,088			9

	(Dollars in thousands)							For Capital						Required by
			Actual					Adequacy Purposes						Consent Order
			Amount		Ratio				Amount		Ratio				Amount		Ratio
	As of December 31, 2012:
	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


		(b)	Dividend Restrictions – Our principal source of funds for dividend payments is dividends received from the Bank. Banking regulations limit the amount of dividends that may be paid without prior approval of regulatory agencies. Under these regulations, the amount of dividends that may be paid in any calendar year is limited to the current year’s net profits, combined with the retained net profits of the preceding two years, subject to the capital requirements described above. The Bank’s Consent Order with the FDIC and KDFI requires us to obtain the consent of the Regional Director of the FDIC and the Commissioner of the KDFI to declare and pay cash dividends. The Corporation has also entered into an agreement with the Federal Reserve to obtain regulatory approval before declaring any dividends. The Corporation may not redeem shares or borrow funds without prior approval.

		(c)	Liquidation Account – In connection with our conversion from mutual to stock form of ownership during 1987, we established a “liquidation account”, currently in the amount of $608,000 for the purpose of granting to eligible deposit account holders a priority in the event of future liquidation. Only in such an event, an eligible account holder who continues to maintain a deposit account will be entitled to receive a distribution from the liquidation account. The total amount of the liquidation account decreases in an amount proportionately corresponding to decreases in the deposit account balances of the eligible account holders.

		(d)	Capital Purchase Program – On January 9, 2009, we sold $20 million of Senior Preferred Shares to the U.S. Treasury under the terms of its Capital Purchase Plan. The Senior Preferred Shares constitute Tier 1 capital and rank senior to our common shares. The Senior Preferred Shares paid cumulative dividends at a rate of 5% per annum for the first five years and reset to 9% per year on January 9, 2014. The Senior Preferred Shares may be redeemed at any time, subject to prior regulatory approval. 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 continues until our Senior Preferred Shares are fully retired. See Note 12 for additional information.

EARNINGS_LOSS_PER_SHARE

EARNINGS (LOSS) PER SHARE	12 Months Ended
EARNINGS (LOSS) PER SHARE	Dec. 31, 2013
Earnings Per Share [Abstract]	'
Earnings Per Share [Text Block]	'
	15	EARNINGS (LOSS) PER SHARE

	The reconciliation of the numerators and denominators of the basic and diluted EPS is as follows:

			Year Ended
	(Amounts in thousands,		December 31,
	except per share data)		2013		2012		2011

	Basic:
	Net income/(loss)		$	741	$	-8,393	$	-23,161
	Less:
	Preferred stock dividends			-1,000		-1,000		-1,000
	Accretion on preferred stock discount			-54		-54		-54
	Net income (loss) available to common shareholders		$	-313	$	-9,447	$	-24,215
	Weighted average common shares			4,828		4,769		4,743

	Diluted:
	Weighted average common shares			4,828		4,769		4,743
	Dilutive effect of stock options and warrants			-		-		-
	Weighted average common and incremental shares			4,828		4,769		4,743

	Earnings (Loss) Per Common Share:
	Basic		$	-0.06	$	-1.98	$	-5.11
	Diluted		$	-0.06	$	-1.98	$	-5.11

	Since the Corporation is reporting a net loss for all periods presented, no stock options or warrants were evaluated for dilutive purposes.

CHANGES_IN_AND_RECLASSIFICATIO

CHANGES IN AND RECLASSIFICATIONS FROM ACCUMULATED OTHER COMPREHENSIVE INCOME	12 Months Ended
	Dec. 31, 2013
Stockholders' Equity Note [Abstract]	'
Comprehensive Income (Loss) Note [Text Block]	'
		16	CHANGES IN AND RECLASSIFICATIONS FROM ACCUMULATED OTHER COMPREHENSIVE INCOME

	Changes in accumulated other comprehensive income by component consists of the following:

			Year Ended December 31,
			Unrealized Gains and Losses on
			Available-for-Sale Securities (1)
			2013		2012		2011

			(Dollars in thousands)

	Beginning balance		$	1,270	$	1,326	$	-4,715
	Other comprehensive income (loss) before reclassification			-11,612		2,197		6,887
	Amounts reclassified from accumulated other comprehensive income			-226		-2,253		-846
	Net other comprehensive income (loss)			-11,838		-56		6,041
	Ending balance		$	-10,568	$	1,270	$	1,326

	(1) All amounts are net of tax.

	Reclassifications out of accumulated other comprehensive income consists of the following:

	Year ended December 31, 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		$	1,257	Gain on sale of investments
				-1,031	Loss on sale of investments
				226	Total before tax
				-	Income taxes/(benefits)
	Total amount reclassified		$	226	Net income (loss)

	Year ended December 31, 2012
	(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		$	3,384	Gain on sale of investments
				-1,131	Loss on sale of investments
				2,253	Total before tax
				-	Income taxes/(benefits)
	Total amount reclassified		$	2,253	Net income (loss)

	Year ended December 31, 2011
	(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		$	995	Gain on sale of investments
				-149	Loss on sale of investments
				846	Total before tax
				-	Income taxes/(benefits)
	Total amount reclassified		$	846	Net income (loss)

EMPLOYEE_BENEFIT_PLANS

EMPLOYEE BENEFIT PLANS	12 Months Ended
EMPLOYEE BENEFIT PLANS	Dec. 31, 2013
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]	'
Disclosure of Compensation Related Costs, Share-based Payments [Text Block]	'
		17	EMPLOYEE BENEFIT PLANS

		(a)	Pension Plan–We are a participant in the Pentegra Defined Benefit Plan for Financial Institutions (“The Pentegra DB Plan”), which is a tax-qualified, multi-employer defined benefit pension plan, covering employees hired before June 1, 2002. Because the plan was curtailed, employees hired on or after that date are not eligible for membership in the fund. Eligible employees are 100% vested at the completion of five years of participation in the plan. Our policy is to contribute annually the minimum funding amounts. The Pentegra DB Plan’s Employer Identification Number is 13-5645888 and the Plan Number is 333.

	The Pentegra DB Plan is a single plan under Internal Revenue Code Section 413(c) and, as a result, all of the assets stand behind all of the liabilities. Accordingly, under the Pentegra DB Plan, contributions made by a participating employer may be used to provide benefits to participants of other participating employers. Total contributions received by the Pentegra DB Plan, as reported on Form 5500, for the plan years ending June 30, 2013 and 2012 totaled $196.5 million and $299.7 million, respectively.

	Employer contributions and administrative expenses charged to operations for the years ended December 31, 2013, 2012 and 2011 totaled $184,000, $433,000, and $404,000, respectively. Accrued liabilities associated with the plan as of December 31, 2013 and 2012 were $253,000 and $90,000, respectively. Our contribution for 2013, 2012 and 2011 was not more than 5% of the total contributions made to the Pentegra DB Plan. There are no collective bargaining agreements in place that require contributions to the plan. The funded status of our plan as of July 1, 2013 and 2012 was 96% and 100% respectively.

		(b)	KSOP–We have a combined 401(k)/Employee Stock Ownership Plan. The plan is available to all employees meeting certain eligibility requirements. The plan allows employee contributions up to 50% of their compensation up to the annual dollar limit set by the IRS. The employer matches 100% of the employee contributions up to 4% of the employee’s compensation. Employees are 100% vested in matching contributions upon meeting the eligibility requirements of the plan. Shares of our common stock are acquired in non-leveraged transactions. At the time of purchase, the shares are released and allocated to eligible employees determined by a formula specified in the plan agreement. Accordingly, the plan has no unallocated shares. The number of shares to be purchased and allocated is at the Board of Directors discretion. In an effort to reduce costs, we have suspended the annual employee stock ownership contribution. Employer matching contributions and administrative expenses charged to operations for the plan for the years ended December 31, 2013, 2012 and 2011 were $286,000, $305,000, and $513,000, respectively.

	Shares in the plan and the fair value of shares released during the year charged to compensation expense were as follows:

			Year Ended
			December 31,
			2013			2012			2011

	KSOP shares (ending)			154,748			167,620			226,517
	Shares released			-			-			-
	Compensation expense		$	-		$	-		$	-

		(c)	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 December 31, 2013, options and restricted stock available for future grant under the 2006 Plan totaled 179,130.


	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 years ended December 31, 2013, 2012 and 2011 and the resulting estimated weighted average fair value per share is presented below.

			December 31,
			2013				2012				2011
	Assumptions:
	Risk-free interest rate			2.05	%			1.77	%			1.87	%
	Expected dividend yield			-	%			-	%			-	%
	Expected life (years)			10				10				10
	Expected common stock
	market price volatility			65	%			55	%			45	%
	Estimated fair value per share		$	1.96			$	1.99			$	0.86

	A summary of option activity under the 2006 Plan for the year ended December 31, 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			-32,350			13.79
	Exercised during period			-700			1.68
	Outstanding, end of period			376,300		$	3.13			8.2		$	796

	Eligible for exercise at period end			107,420		$	4.12			7.3		$	185

	The total intrinsic value of options exercised during 2013 was $2,000. The total cash received from options exercised during 2013 was $1,000. 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 and 2011 periods. 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 years ended December 31, 2013, 2012 and 2011 was $152,000, $114,000 and $111,000, respectively. As of December 31, 2013 there was $425,000 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 3.3 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 year ended December 31, 2013 is presented below:

					Weighted
					Average
		Non-vested			Grant Date
		Shares			Fair Value

Outstanding, beginning of period			32,964		$	3.64
Granted during period			150,613			3.41
Vested during period			-102,830			3.33
Terminated during period			-17,250			2.84
Outstanding, end of period			63,497		$	3.81

Compensation cost related to restricted stock granted under the 2006 Plan that was charged against earnings for the years ended December 31, 2013, 2012 and 2011 was $371,000, $195,000 and $75,000, respectively. As of December 31, 2013 there was $213,000 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 2.2 years.

	(d)	Employee Stock Purchase Plan – We maintain an Employee Stock Purchase Plan whereby eligible employees have the option to purchase common stock of the Corporation through payroll deduction at a 10% discount. The purchase price of the shares under the plan will be 90% of the closing price of the common stock at the date of purchase. The plan provides for the purchase of up to 100,000 shares of common stock, which may be obtained by purchases issued from a reserve. Funding for the purchase of common stock is from employee contributions. Total compensation cost charged against earnings for the Plan for the periods ended December 31, 2013, 2012 and 2011 totaled $5,000, $4,000 and $6,000, respectively.

CASH_FLOW_ACTIVITIES

CASH FLOW ACTIVITIES	12 Months Ended
CASH FLOW ACTIVITIES	Dec. 31, 2013
Supplemental Cash Flow Information [Abstract]	'
Cash Flow, Supplemental Disclosures [Text Block]	'
		18	CASH FLOW ACTIVITIES

	The following information is presented as supplemental disclosures to the statement of cash flows.

			Year Ended
	(a) Cash Paid (Received) for:		December 31,
	(Dollars in thousands)		2013		2012		2011

	Interest expense		$	7,464	$	14,055	$	19,477

	Income taxes		$	-19	$	-569	$	-

	(b) Supplemental disclosure of non-cash activities:
	(Dollars in thousands)
			Year Ended
			December 31,
			2013		2012		2011

	Loans to facilitate sales of real estate owned and repossessed assets		$	1,000	$	273	$	2,445

	Transfers from loans to real estate acquired through foreclosure and repossessed assets		$	8,854	$	18,349	$	19,641

	Transfers from fixed assets to other real estate owned-bank lots		$	1,688	$	-	$	-

	Dividends accrued not paid on preferred stock		$	1,000	$	1,000	$	1,000

	Transfers from loans to loans held for sale in probable loan sale		$	-	$	-	$	10,749

	Transfers from loans to loans held for sale in probable branch divestiture		$	-	$	-	$	35,080

	Transfers from premises and equipment to premises and equipment held for sale in probable branch divestiture		$	-	$	-	$	946

	Transfers from deposits to deposits held for sale in probable branch divestiture		$	-	$	-	$	117,204

CONDENSED_FINANCIAL_INFORMATIO

CONDENSED FINANCIAL INFORMATION (PARENT COMPANY ONLY)	12 Months Ended
CONDENSED FINANCIAL INFORMATION (PARENT COMPANY ONLY)	Dec. 31, 2013
Condensed Financial Information of Parent Company Only Disclosure [Abstract]	'
Condensed Financial Information of Parent Company Only Disclosure [Text Block]	'
		19	CONDENSED FINANCIAL INFORMATION (PARENT COMPANY ONLY)

	The following condensed statements summarize the balance sheets, operating results and cash flows of First Financial Service Corporation (Parent Company only).

			Condensed Balance Sheets
			December 31,
	(Dollars in thousands)		2013			2012
	Assets

	Cash and interest bearing deposits		$	147		$	333
	Investment in Bank			58,490			67,525
	Other assets			91			72
			$	58,728		$	67,930

	Liabilities and Stockholders' Equity
	Subordinated debentures		$	18,000		$	18,000
	Other liabilities			7,909			5,558
	Stockholders' equity			32,819			44,372
			$	58,728		$	67,930

	Condensed Statements of Income/(Loss)
			Year Ended
			December 31,
	(Dollars in thousands)		2013			2012			2011

	Interest income		$	-		$	-		$	41
	Interest expense			-1,363			-1,444			-1,373
	Gain on sale of investments			-			-			157
	Other expenses			-546			-462			-226
	Income (loss) before income tax benefit			-1,909			-1,906			-1,401
	Income tax benefit			-			-			-140
	Income (loss) before equity in undistributed net income/(loss) of Bank			-1,909			-1,906			-1,261
	Equity in undistributed net income/(loss) of Bank			2,650			-6,487			-21,900
	Net income/(loss)		$	741		$	-8,393		$	-23,161

	Comprehensive income (loss)		$	-11,097		$	-8,449		$	-17,120


	Condensed Statements of Cash Flows
			Year Ended
	(Dollars in thousands)		December 31,
			2013			2012			2011

	Operating Activities:
	Net income/(loss)		$	741		$	-8,393		$	-23,161
	Adjustments to reconcile net income/(loss) to cash provided by operating activities:
	Equity in undistributed net income/(loss) of Bank			-2,650			6,487			21,900
	Gain on sale of investments available-for-sale			-			-			-157
	Stock-based compensation expense			499			309			186
	Changes in:
	Other assets			-172			-105			-113
	Accounts payable and other liabilities			1,351			1,429			1,128
	Net cash from operating activities			-231			-273			-217

	Investing Activities:
	Sales of securities available-for-sale			-			-			448
	Net cash from investing activities			-			-			448

	Financing Activities:
	Issuance of common stock under dividend reinvestment program			-			10			2
	Issuance of common stock for employee benefit plans and exercise of stock options			45			39			84
	Net cash from financing activities			45			49			86

Net change in cash and interest bearing deposits			-186			-224			317
Cash and interest bearing deposits, beginning of year			333			557			240
Cash and interest bearing deposits, end of year		$	147		$	333		$	557

FINANCIAL_INSTRUMENTS_WITH_OFF

FINANCIAL INSTRUMENTS WITH OFF-BALANCE-SHEET RISK	12 Months Ended
FINANCIAL INSTRUMENTS WITH OFF-BALANCE-SHEET RISK	Dec. 31, 2013
Financial Instruments With Off Balance Sheet Risk [Abstract]	'
Financial Instrument With Off Balance Sheet Risk [Text Block]	'
		20	FINANCIAL INSTRUMENTS WITH OFF-BALANCE-SHEET RISK

	We are a party to financial instruments with off-balance-sheet risk in the normal course of business to meet the financing needs of our customers. These financial instruments primarily include commitments to extend credit, and lines and letters of credit, and involve, to varying degrees, elements of credit and interest-rate risk in excess of the amounts recognized in the balance sheets. The contract or notional amounts of these instruments reflect the extent of our involvement in particular classes of financial instruments.

	Our exposure to credit loss in the event of nonperformance by the other party to the financial instrument for commitments to extend credit is represented by the contractual notional amount of those instruments. Creditworthiness for all instruments is evaluated on a case-by-case basis in accordance with our credit policies. We use the same credit policies in making commitments and conditional obligations as we do for on-balance-sheet instruments. Collateral from the customer may be required based on management’s credit evaluation of the customer and may include business assets of commercial customers as well as personal property and real estate of individual customers or guarantors.

	Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since many of the commitments are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements.

	The contractual amounts of financial instruments with off-balance-sheet risk at year end were as follows:

	(Dollars in thousands)		December 31, 2013				December 31, 2012
			Fixed		Variable		Fixed		Variable
			Rate		Rate		Rate		Rate

	Commitments to make loans		$	-	$	2,300	$	71	$	2,833
	Unused lines of credit			-		68,450		-		71,181
	Standby letters of credit			-		5,594		-		6,355
			$	-	$	76,344	$	71	$	80,369

	At December 31, 2013 and 2012, we had $160.5 million, and $121.8 million in letters of credit from the Federal Home Loan Bank issued to collateralize public deposits. These letters of credit are secured by a blanket pledge of eligible one-to-four family residential mortgage loans. (For additional information see Note 4 on Loans and Note 10 on Advances from the Federal Home Loan Bank.)

RELATED_PARTY_TRANSACTIONS

RELATED PARTY TRANSACTIONS	12 Months Ended
RELATED PARTY TRANSACTIONS	Dec. 31, 2013
Related Party Transactions [Abstract]	'
Related Party Transactions Disclosure [Text Block]	'
	21	RELATED PARTY TRANSACTIONS

	Certain directors, executive officers and principal stockholders of the Company, including associates of such persons, are our loan and deposit customers. Related party deposits at December 31, 2013 and 2012 were $1.1 million and $2.4 million respectively. A summary of the related party loan activity, for loans aggregating $60,000 or more to any one related party, is as follows:

			Year Ended
			December 31,
	(Dollars in thousands)		2013		2012

	Beginning of year		$	1,354	$	1,292
	New loans			-		170
	Repayments			-35		-32
	Effect of changes in composition of related parties			1,846		-76
	End of year		$	3,165	$	1,354

SUMMARY_OF_QUARTERLY_FINANCIAL

SUMMARY OF QUARTERLY FINANCIAL DATA- (Unaudited)	12 Months Ended
SUMMARY OF QUARTERLY FINANCIAL DATA- (Unaudited)	Dec. 31, 2013
Quarterly Financial Information Disclosure [Abstract]	'
Quarterly Financial Information [Text Block]	'
		22	SUMMARY OF QUARTERLY FINANCIAL DATA– (Unaudited)

	(Dollars in thousands except per share data)

	Year Ended December 31, 2013:		March 31,		June 30,		September 30,		December 31,

	Total interest income		$	8,540	$	8,211	$	8,061	$	7,610
	Total interest expense			2,609		2,247		2,034		1,938
	Net interest income			5,931		5,964		6,027		5,672
	Provision for loan losses			-1,037		212		-500		-1,761
	Non-interest income			1,454		1,686		3,546		1,406
	Non-interest expense			8,300		8,563		8,605		8,560
	Net income/(loss) attributable to common shareholders			-142		-1,389		1,203		15
	Earnings/(loss) per common share:
	Basic			-0.03		-0.29		0.25		0.01
	Diluted			-0.03		-0.29		0.25		0.01

	Year Ended December 31, 2012:		March 31,		June 30,		September 30,		December 31,

	Total interest income		$	12,745	$	10,738	$	9,822	$	8,416
	Total interest expense			4,570		4,068		3,589		3,132
	Net interest income			8,175		6,670		6,233		5,284
	Provision for loan losses			1,012		915		2,671		2,199
	Non-interest income			1,036		1,323		6,456		2,144
	Non-interest expense			8,488		11,216		10,853		8,378
	Net income/(loss) attributable to common shareholders			-553		-4,402		-1,015		-3,477
	Earnings/(loss) per common share:
	Basic			-0.12		-0.92		-0.21		-0.73
	Diluted			-0.12		-0.92		-0.21		-0.73

	Impacting our financial results for 2013 was the reversal of provision for loan losses during the first, third and fourth quarters. The reversal of provision was due to the improvement in specific reserves allocated to several relationships based upon improved credit quality, declining historical loss rates, a reduction in loans migrating downward in risk grade classification and due to a decline in the size of our loan portfolio. Also impacting net income during the third quarter was a $1.6 million gain on the sale of a real estate owned property acquired through foreclosure.

	The net loss attributable to common shareholders for 2012 was impacted by a continuing decline in net interest income, a gain of $3.1 million on the sale of our four Indiana banking centers during the third quarter, $1.5 million in FHLB advance prepayment penalties taken during the third quarter, a $1.5 million termination fee paid in the second quarter in connection with our termination of a property investment and management agreement on a residential development.

SUMMARY_OF_SIGNIFICANT_ACCOUNT1

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies)	12 Months Ended
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies)	Dec. 31, 2013
Accounting Policies [Abstract]	'
Consolidation, Policy [Policy Text Block]	'
	Principles of Consolidation and Business – The 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 two wholly owned subsidiaries, First Service Corporation of Elizabethtown and Heritage Properties, 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.

	Our business consists primarily of attracting deposits from the general public and origination of mortgage loans on single-family residences, commercial property and multi-family housing. We also make home improvement loans, consumer loans and commercial business loans. Our primary lending area is a region within North Central Kentucky. The economy within this region is diversified with a variety of medical service, manufacturing, and agricultural industries, and Fort Knox, a military installation.

	The principal sources of funds for our lending and investment activities are deposits, repayment of loans, Federal Home Loan Bank advances and other borrowings. Our principal source of income is interest on loans. In addition, other income is derived from loan origination fees, service charges, returns on investment securities, gains on sale of mortgage loans, and brokerage and insurance commissions.

	Our subsidiary First Service Corporation is a licensed broker providing investment services and offering tax-deferred annuities, government securities and stocks and bonds to our customers. Heritage Properties, LLC holds real estate acquired through foreclosure which is available for sale.

Use of Estimates, Policy [Policy Text Block]	'
	Estimates and Assumptions – The preparation of consolidated financial statements in conformity with U.S. generally accepted accounting principles requires us to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of the amount of revenues and expenses during the reporting period. Actual results could differ from those estimates. The allowance for loan losses, fair value of financial instruments, other real estate owned and deferred tax asset realization are particularly subject to change and such change could be material.

Inventory, Cash Flow Policy [Policy Text Block]	'
	Cash Flows – For purposes of the statement of cash flows, we consider all highly liquid debt instruments purchased with an original maturity of three months or less to be cash equivalents. Cash and cash equivalents include cash on hand, amounts due from banks, federal funds sold and certain interest bearing deposits. Net cash flows are reported for interest-bearing deposits, loans, short-term borrowings and deposits.

Marketable Securities, Held-to-maturity Securities, Policy [Policy Text Block]	'
	Securities – Historically we have classified investments into held-to-maturity and available-for-sale. At December 31, 2013, all of our investments are classified as available-for-sale. Debt securities in which management has a positive intent and ability to hold are classified as held-to-maturity and are carried at cost adjusted for the amortization of premiums and discounts using the interest method over the terms of the securities. Debt and equity securities, which do not fall into this category, are classified as available-for-sale. Unrealized holding gains and losses, net of tax, on available-for-sale securities are reported as a component of accumulated other comprehensive income.

	Interest income includes amortization of purchase premium or discount. Premiums and discounts on securities are amortized on the level-yield method without anticipating prepayments, except for mortgage backed securities where prepayments are anticipated. Gains and losses on sales are recorded on the trade date and determined using the specific identification method.

	Management evaluates securities for other-than-temporary impairment (“OTTI”) on at least a quarterly basis, and more frequently when economic or market conditions warrant such an evaluation. For securities in an unrealized loss position, management considers the extent and duration of the unrealized loss, and the financial condition and near-term prospects of the issuer. Management also assesses whether it intends to sell, or it is more likely than not that it will be required to sell, a security in an unrealized loss position before recovery of its amortized cost basis. If either of the criteria regarding intent or requirement to sell is met, the entire difference between amortized cost and fair value is recognized as impairment through earnings. For debt securities that do not meet the aforementioned criteria, the amount of impairment is split into two components as follows: 1) OTTI related to credit loss, which must be recognized in the income statement and 2) OTTI related to other factors, which is recognized in other comprehensive income. The credit loss is defined as the difference between the present value of the cash flows expected to be collected and the amortized cost basis. For equity securities, the entire amount of impairment is recognized through earnings.

Finance, Loans and Leases Receivable, Policy [Policy Text Block]	'
	Loans – Loans that management has the intent and ability to hold for the foreseeable future or until maturity or payoff are reported at their recorded investment, which is the outstanding principal balance net of any deferred loan origination fees and charge-offs. We defer loan origination fees and discounts net of certain direct origination costs. These net deferred fees are amortized using the level yield method on a loan-by-loan basis over the lives of the underlying loans. Under applicable accounting guidance, for reporting purposes, the loan portfolio is categorized by portfolio segment and, within each portfolio segment, by class of financing receivables. The following classes of financing receivables have been identified: commercial, commercial real estate including land development and building lot loans, construction real estate, residential mortgage, consumer and home equity, and indirect consumer.

	Interest income on commercial, commercial real estate, construction real estate and residential mortgage loans is discontinued at the time the loan is 90 days delinquent unless the loan is well-secured and in process of collection. Consumer and home equity and indirect consumer loans are typically charged off no later than 120 days past due. Past due status is based on the contractual terms of the loan. In all cases, loans are placed on nonaccrual or charged-off at an earlier date if collection of principal or interest is considered doubtful. Nonaccrual loans and loans past due 90 days still on accrual include both smaller balance homogeneous loans that are collectively evaluated for impairment and individually classified impaired loans. A loan is moved to non-accrual status in accordance with our policy, typically after 90 days of non-payment.

	All interest accrued but not received for a loan placed on non-accrual is reversed against interest income. Interest received on such loans is accounted for on the cash-basis or cost recovery method, until qualifying for return to accrual. Loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured.

Loans and Leases Receivable, Allowance for Loan Losses Policy [Policy Text Block]	'
	Allowance for Loan Losses –The allowance for loan losses is a valuation allowance for probable incurred credit losses. Loan losses are charged against the allowance when we believe the uncollectibility of a loan balance is confirmed. Subsequent recoveries, if any, are credited to the allowance. Our periodic evaluation of the allowance is based on our past loan loss experience, known and inherent risks in the portfolio, adverse situations that may affect the borrower’s ability to repay, estimated value of any underlying collateral, and current economic conditions. Allocations of the allowance may be made for specific loans, but the entire allowance is available for any loan that, in management’s judgment, should be charged-off.

	The allowance consists of specific and general components. The specific component relates to loans that are individually classified as impaired. The general component covers non-impaired loans and is based on historical loss experience adjusted for current factors. The historical loss experience is determined by portfolio segment and is based on the actual loss history we have experienced over the most recent three years with additional weight given to more recent losses. This actual loss experience is supplemented with other economic factors based on the risks present for each portfolio segment. These economic factors include consideration of the following: levels of and trends in delinquencies and impaired loans; levels of and trends in charge-offs and recoveries; trends in volume and terms of loans; effects of any changes in risk selection and underwriting standards; other changes in lending policies, procedures, and practices; experience, ability, and depth of lending management and other relevant staff; national and local economic trends and conditions; industry conditions; and effects of changes in credit concentrations. The following portfolio segments have been identified: commercial, commercial real estate, residential mortgage, consumer and home equity, and indirect consumer.

	Commercial loans generally are made to small-to-medium size businesses located within our defined market area. Commercial loans generally carry a higher yield and are made for a shorter term than real estate loans. Commercial loans, however, involve a higher degree of risk than residential real estate loans due to potentially greater volatility in the value of the assigned collateral, the need for more technical analysis of the borrower’s financial position, the potentially greater impact that changing economic conditions may have on the borrower’s ability to retire debt, and the additional expertise required for commercial lending personnel.

	Commercial loans that are primarily secured by real estate are made to a variety of industries and primarily in our market area. Substantially all of the commercial real estate loans we originate have adjustable interest rates with maturities of 25 years or less or are loans with fixed interest rates and maturities of five years or less. The security for commercial real estate loans includes retail businesses, warehouses, churches, apartment buildings and motels. In addition, the payment experience of loans secured by income producing properties typically depends on the success of the related business project and thus may be more vulnerable to adverse conditions in the real estate market or in the economy generally.


	Residential mortgage loans are secured primarily by single-family homes. The majority of our mortgage loan portfolio is secured by real estate in our markets outside of Louisville and our residential mortgage loans do not have sub-prime characteristics. Appraisals are obtained to support the loan amount. We limit the maximum loan-to-value ratio on one-to-four-family residential first mortgages to 90% of the appraised value.

	Consumer loans include loans on automobiles, boats, recreational vehicles and other consumer goods, as well as loans secured by savings accounts, home improvement loans, and unsecured lines of credit. These loans involve a higher risk of default than loans secured by one-to-four-family residential loans. Our underwriting standards reflect the greater risk in consumer lending than in residential real estate lending. Among other things, the capacity of individual borrowers to repay can change rapidly, particularly during an economic downturn, collection costs can be relatively higher for smaller loans, and the value of collateral may be more likely to depreciate. We require detailed financial information and credit bureau reports for each consumer loan applicant to establish the applicant’s credit history, the adequacy of income for debt retirement, and job stability based on the applicant’s employment records. Co-signers are required for applicants who are determined marginal or who fail to qualify individually under these standards. Adequate collateral is required on the majority of consumer loans.

	The indirect consumer loan portfolio is comprised of new and used automobile, motorcycle and all terrain vehicle loans originated on our behalf by a select group of auto dealers within the service area. Indirect consumer loans are considered to have greater risk of loan losses than direct consumer loans due to, among other things: borrowers may have no existing relationship with us; borrowers may not be residents of the lending area; less detailed financial statement information may be collected at application; collateral values can be more difficult to determine; and the condition of vehicles securing the loan can deteriorate rapidly. To address the additional risks associated with indirect consumer lending, the Executive Loan Committee continually evaluates data regarding the dealers enrolled in the program, including monitoring turn down and delinquency rates. All applications are approved by specific lending officers, selected based on experience in this field, who obtain credit bureau reports on each application to assist in the decision. Aggressive collection procedures encourage more timely recovery of late payments.

	A loan is considered impaired when, based on current information and events, it is probable that full principal or interest payments are not anticipated in accordance with the contractual loan terms. Loans for which the terms have been modified resulting in a concession, and for which the borrower is experiencing financial difficulties, are considered troubled debt restructurings and classified as impaired. Factors considered by management in determining impairment include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. We determine the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record, and the amount of the shortfall in relation to the principal and interest owed. If a loan is impaired, a portion of the allowance is allocated so that the loan is reported, net, at the present value of estimated future cash flows using the loan’s existing rate, or at the fair value of collateral if repayment is expected solely from collateral. If these allocations cause the allowance for loan losses to require an increase, such increase is reported in the provision for loan losses.

	Impaired commercial and commercial real estate loans are individually evaluated for impairment. Individual residential mortgage, consumer and home equity and indirect consumer loans are evaluated for impairment based on the aging status of the loan and by payment activity and are separately identified for impairment disclosures. When the ultimate collectability of the total principal of an impaired loan is in doubt and the loan is on nonaccrual status, all payments are applied to principal under the cost recovery method. When the ultimate collectability of the total principal of an impaired loan is not in doubt and the loan is on nonaccrual status, contractual interest is credited to interest income when received under the cash basis method.

	A troubled debt restructuring is where we have agreed to a loan modification in the form of a concession for a borrower who is experiencing financial difficulty. Troubled debt restructurings are separately identified for impairment disclosures and are measured at the present value of estimated future cash flows using the loan’s effective rate at inception. If a troubled debt restructuring is considered to be a collateral dependent loan, the loan is reported, net, at the fair value of the collateral. For troubled debt restructurings that subsequently default, we determine the amount of reserve in accordance with the accounting policy for the allowance for loan losses.

Loans and Leases Receivable, Mortgage Banking Activities, Policy [Policy Text Block]	'
	Mortgage Banking Activities – Mortgage loans originated and intended for sale in the secondary market are carried at the lower of aggregate cost or fair value as determined by outstanding commitments from investors. To deliver closed loans to the secondary market and to control its interest rate risk prior to sale, we enter into “best efforts” agreements to sell loans (sales contracts). The aggregate fair value of mortgage loans held for sale considers the price of the sales contracts. The loans are sold with servicing released.

	Loan commitments related to the origination of mortgage loans held for sale (interest rate locks) are accounted for as derivative instruments. Our commitments are for fixed rate mortgage loans, generally lasting 60 to 90 days and are at market rates when initiated. We had commitments to originate $840,000 and $20.9 million in loans at December 31, 2013 and 2012, which we intend to sell after the loans are closed.

	Net unrealized losses, if any, are recorded as a valuation allowance and charged to earnings. The fair value of mortgage derivatives was not material. Substantially all of the gain on sale generated from mortgage banking activities continues to be recorded when closed loans are delivered into the sales contracts.

Federal Home Loan Bank Stock [Policy Text Block]	'
	Federal Home Loan Bank Stock – The Bank is a member of the FHLB system. Members are required to own a certain amount of stock based on the level of borrowings and other factors, and may invest in additional amounts. Investment in stock of Federal Home Loan Bank is carried at cost, classified as a restricted security and periodically evaluated for impairment. Both cash and stock dividends are reported as income.

Cash Surrender Value Of Life Insurance [Policy Text Block]	'
	Cash Surrender Value of Life Insurance – We have purchased life insurance policies on certain key executives. Company owned life insurance is recorded at the amount that can be realized under the insurance contract at the balance sheet date, which is the cash surrender value adjusted for other charges or other amounts due that are probable at settlement.

Property, Plant and Equipment, Policy [Policy Text Block]	'
	Premises and Equipment – Land is carried at cost. Premises and equipment are stated at cost less accumulated depreciation. Buildings and related components are depreciated using the straight-line method with useful lives ranging from 5 to 40 years. Furniture, fixtures and equipment are depreciated using the straight-line method with useful lives ranging from 3 to 15 years.

Real Estate Owned, Valuation Allowance, Policy [Policy Text Block]	'
	Real Estate Owned – Real estate properties acquired through foreclosure and in settlement of loans are stated at fair value less estimated selling costs at the date of foreclosure. The excess of cost over fair value less the estimated costs to sell at the time of foreclosure is charged to the allowance for loan losses. Costs relating to development and improvement of property are capitalized when such amounts do not exceed fair value. Costs relating to holding property are not capitalized and are charged against operations in the current period.

Real Estate Held for Development and Sale, Policy [Policy Text Block]	'
	Real Estate Owned-Bank Lots – Bank owned properties held for sale are carried at the lower of cost, including cost of development and improvement subsequent to acquisition, or fair value less estimated selling costs. The portion of interest costs relating to the development of real estate is capitalized.

Other Repossessed Assets [Policy Text Block]	'
	Other Repossessed Assets – Consumer assets acquired through repossession and in settlement of loans, typically automobiles, are carried at lower of cost or fair value at the date of repossession. The excess cost over fair value at time of repossession is charged to the allowance for loan losses.

Intangible Assets, Finite-Lived, Policy [Policy Text Block]	'
	Intangible Assets –Intangible assets consist of core deposit and acquired customer relationship intangible assets arising from whole bank and branch acquisitions. They are initially measured at fair value and then are amortized on an accelerated method over their estimated useful lives, which range from 7 to 10 years. The remaining other intangible assets were fully amortized with the branch divestiture in 2012.

Property, Plant and Equipment, Impairment [Policy Text Block]	'
	Long-Term Assets – Premises and equipment, core deposit and other intangible assets, and other long-term assets are reviewed for impairment when events indicate their carrying amount may not be recoverable from future undiscounted cash flows. If impaired, the assets are recorded at fair value.

Investment, Policy [Policy Text Block]	'
	Low Income Housing Investments – We enter into and invest in limited partnerships in order to invest in affordable housing projects for the primary purpose of obtaining available tax benefits. We are a limited partner in these investments and, as such, we are not involved in the management or operation of such investments. These investments are accounted for using the equity method of accounting. Under the equity method of accounting, we record our share of the partnership’s earnings or losses in our income statement and adjust the carrying amount of the investments on the consolidated balance sheet. These investments are evaluated for impairment when events indicate the carrying amount may not be recoverable. The investments recorded at December 31, 2013 and 2012 were $7.0 million and $7.1 million, respectively.

Revenue Recognition, Services, Commissions [Policy Text Block]	'
	Brokerage and Insurance Commissions – Brokerage commissions are recognized as income on settlement date. Insurance commissions on loan products (credit life, mortgage life, accidental death, and guaranteed auto protection) are recognized as income over the life of the loan.

Share-based Compensation, Option and Incentive Plans Policy [Policy Text Block]	'
	Stock Based Compensation – Compensation cost is recognized for stock options and restricted stock awards issued to employees, based on the fair value of these awards at the date of grant. A Black-Scholes model is utilized to estimate the fair value of stock options, while the market price of our common stock at the date of grant is used for restricted stock awards. Compensation cost is recognized over the required service period, generally defined as the vesting period. For awards with graded vesting, compensation cost is recognized on a straight-line basis over the requisite service period for the entire award.

Income Tax, Policy [Policy Text Block]	'
	Income Taxes – Income tax expense is the total of the current year income tax due or refundable and the change in deferred tax assets and liabilities. Deferred tax assets and liabilities are the expected future tax amounts for the temporary differences between carrying amounts and tax bases of assets and liabilities, computed using enacted tax rates. A valuation allowance, if needed, reduces deferred tax assets to the amount expected to be realized. A tax position is recognized as a benefit only if it is “more likely than not” that the tax position would be sustained in a tax examination, with a tax examination being presumed to occur. The amount recognized is the largest amount of tax benefit that is greater than 50% likely of being realized on examination. For tax positions not meeting the “more likely than not” test, no tax benefit is recorded. We recognize interest and penalties related to income tax matters in income tax expense.

Employee Stock Ownership Plan (ESOP), Policy [Policy Text Block]	'
	Employee Stock Ownership Plan – Compensation expense is based on the market price of shares as they are committed to be released to participant accounts. Dividends on allocated ESOP shares reduce retained earnings. Since the ESOP has not acquired shares in advance of allocation to participant accounts, the plan has no unallocated shares.

Earnings Per Share, Policy [Policy Text Block]	'
	Earnings/(Loss) Per Common Share – Basic earnings (loss) per common share is net income attributable to common shareholders divided by the weighted average number of common shares outstanding during the period. Diluted earnings per common share include the dilutive effect of additional potential common shares issuable under stock options and warrants. Earnings (loss) and dividends per share are restated for all stock dividends through the date of issuance of the financial statements.

Commitments and Contingencies, Policy [Policy Text Block]	'
	Loss Contingencies – In the normal course of business, there are various outstanding legal proceedings and claims. In the opinion of management the disposition of such legal proceedings and claims will not materially affect our consolidated financial position, results of operations or liquidity.

Comprehensive Income, Policy [Policy Text Block]	'
	Comprehensive Income/(Loss) – Comprehensive income (loss) consists of net income (loss) and other comprehensive income (loss). Other comprehensive income (loss) includes unrealized gains and losses on securities available-for-sale and the unrecognized loss on held-to-maturity securities for which an other-than-temporary charge has been recorded, which are also recognized as a separate component of equity, net of tax.

Loan Commitments And Related Financial Instruments [Policy Text Block]	'
	Loan Commitments and Related Financial Instruments – Financial instruments include off-balance sheet credit instruments, such as commitments to make loans and commercial letters of credit, issued to meet customer financing needs. The face amount for these items represents the exposure to loss, before considering customer collateral or ability to repay. Such financial instruments are recorded when they are funded.

Policyholders Dividend, Policy [Policy Text Block]	'
	Dividend Restriction – Banking regulations require maintaining certain capital levels and may limit the dividends paid by the bank to the holding company or by the holding company to shareholders. For additional information, see Note 14.

Fair Value of Financial Instruments, Policy [Policy Text Block]	'
	Fair Value of Financial Instruments – Fair values of financial instruments are estimated using relevant market information and other assumptions, as more fully disclosed in a separate note. Fair value estimates involve uncertainties and matters of significant judgment regarding interest rates, credit risk, prepayments, and other factors, especially in the absence of broad markets for particular items. Changes in assumptions or in market conditions could significantly affect the estimates.

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 stockholders’ 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. The adoption of ASU 2013-11 is not expected to have a material impact on the consolidated financial statements.


	Recently Issued Accounting Pronouncement – In January 2014, the Financial Accounting Standards Board issued Accounting Standards Update No. 2014-01, Accounting for Investments in Qualified Affordable Housing Projects (ASU 2014-01). ASU 2014-01 permits reporting entities to make an accounting policy election to account for investments in qualified affordable housing projects using the proportional amortization method if certain conditions are met. Under the proportional amortization method, an entity amortizes the initial cost of the investment in proportion to the tax credits and other tax benefits received and recognizes the net investment performance in the income statement as a component of income tax expense. This new guidance also requires new disclosures for all investors in these projects. ASU 2014-01 is effective for interim and annual reporting periods beginning after December 15, 2014. Upon adoption, the guidance must be applied retrospectively to all periods presented. However, entities that use the effective yield method to account for investments in these projects before adoption may continue to do so for these pre-existing investments. The adoption of ASU 2014-01 is not expected to have a material impact on the consolidated financial statements.

SECURITIES_Tables

SECURITIES (Tables)	12 Months Ended
SECURITIES (Tables)	Dec. 31, 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:
	December 31, 2013:
	Government-sponsored collateralized mortgage obligations	$	104,390	$	86	$	-3,660	$	100,816
	Government-sponsored mortgage-backed residential		78,204		4		-3,884		74,324
	Corporate bonds		43,818		208		-328		43,698
	Asset backed-collateralized loan obligations		35,113		-		-635		34,478
	State and municipal		11,670		264		-11		11,923
	Commercial mortgage backed		4,097		-		-54		4,043

	Total	$	277,292	$	562	$	-8,572	$	269,282

	Securities available-for-sale:
	December 31, 2012:
	Government-sponsored collateralized mortgage obligations	$	148,460	$	2,033	$	-346	$	150,147
	Government-sponsored mortgage-backed residential		144,617		774		-502		144,889
	Corporate bonds		32,567		433		-33		32,967
	State and municipal		11,394		1,324		-		12,718
	U.S. government agencies		8,284		7		-13		8,278
	Private asset backed		4,981		151		-		5,132

	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 December 31, 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	$	3,060	$	3,063
	Due after one year through five years		40,465		40,465
	Due after five years through ten years		4,742		4,643
	Due after ten years		7,221		7,450
	Investment securities with no single maturity date:
	Government-sponsored collateralized mortgage obligations		104,390		100,816
	Government-sponsored mortgage-backed residential		78,204		74,324
	Asset backed-collateralized loan obligations		35,113		34,478
	Commercial mortgage backed		4,097		4,043
		$	277,292	$	269,282

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:

		Year Ended December 31,
		2013		2012		2011
		(Dollars in thousands)

	Proceeds	$	143,781	$	216,404	$	192,342
	Gross realized gains		1,257		3,384		995
	Gross realized losses		1,031		1,131		149

Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Table Text Block]	'
	Securities with unrealized losses at year end 2013 and 2012 aggregated by major security type and length of time in a continuous unrealized loss position are as follows:

	December 31, 2013	Less than 12 Months				12 Months or More				Total
		Fair		Unrealized		Fair		Unrealized		Fair		Unrealized
	Description of Securities	Value		Loss		Value		Loss		Value		Loss

	Government-sponsored collateralized mortgage obligations	$	59,168	$	-2,119	$	20,560	$	-1,541	$	79,728	$	-3,660
	Government-sponsored mortgage-backed residential		59,971		-2,864		13,215		-1,020		73,186		-3,884
	Corporate bonds		17,578		-328		-		-		17,578		-328
	Asset backed-collateralized loan obligations		34,478		-635		-		-		34,478		-635
	State and municipal		1,865		-11		-		-		1,865		-11
	Commercial mortgage backed		4,043		-54		-		-		4,043		-54

	Total temporarily impaired	$	177,103	$	-6,011	$	33,775	$	-2,561	$	210,878	$	-8,572

	December 31, 2012	Less than 12 Months				12 Months or More				Total
		Fair		Unrealized		Fair		Unrealized		Fair		Unrealized
	Description of Securities	Value		Loss		Value		Loss		Value		Loss

	Government-sponsored collateralized mortgage obligations	$	33,275	$	-346	$	-	$	-	$	33,275	$	-346
	Government-sponsored mortgage-backed residential		82,137		-502		-		-		82,137		-502
	Corporate bonds		5,731		-33		-		-		5,731		-33
	U.S. government agencies		3,255		-13		-		-		3,255		-13

	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)
		2012		2011

	Beginning balance	$	2,078	$	1,910
	Increases to the amount related to the credit loss for which other-than-temporary impairment was previously recognized		26		168
	Sales/call of securities		-2,104		-
	Ending balance	$	-	$	2,078

LOANS_Tables

LOANS (Tables)	12 Months Ended
LOANS (Tables)	Dec. 31, 2013
Receivables [Abstract]	'
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]	'
	Loans are summarized as follows:

			December 31,
	(Dollars in thousands)		2013			2012

	Commercial Real Estate (CRE):
	Other-CRE other than Land
	Development and Building Lots		$	257,901		$	290,424
	Land Development			20,476			28,310
	Building Lots			1,559			2,151
	Residential mortgage			99,344			110,025
	Consumer and home equity			54,010			57,888
	Commercial			20,621			19,931
	Indirect consumer			13,041			16,211
				466,952			524,940
	Less:
	Net deferred loan origination fees			-90			-105
	Allowance for loan losses			-9,576			-17,265
				-9,666			-17,370

	Net Loans		$	457,286		$	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 years ending December 31, 2013, 2012 and 2011:

	December 31, 2013					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			-587			-2,396			77			32			-212			-3,086
	Charge-offs			-166			-4,215			-318			-210			-118			-5,027
	Recoveries			57			154			32			45			136			424
	Total ending allowance balance		$	540		$	8,358		$	292		$	309		$	77		$	9,576

	December 31, 2012					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			32			7,114			-333			59			-75			6,797
	Charge-offs			-313			-6,295			-88			-249			-219			-7,164
	Recoveries			95			166			-			22			168			451
	Total ending allowance balance		$	1,236		$	14,815		$	501		$	442		$	271		$	17,265



	December 31, 2011					Commercial			Residential			Consumer &			Indirect
			Commercial			Real Estate			Mortgage			Home Equity			Consumer			Total
	(Dollars in thousands)
	Allowance for loan losses:
	Beginning Balance		$	1,657		$	18,753		$	751		$	708		$	796		$	22,665
	Provision for loan losses			786			19,798			837			107			-318			21,210
	Allowance associated with probable branch divestiture and probable loan sale			-1			-5			-236			-41			-			-283
	Charge-offs			-1,093			-24,987			-438			-246			-188			-26,952
	Recoveries			73			271			8			82			107			541
	Total ending allowance balance		$	1,422		$	13,830		$	922		$	610		$	397		$	17,181

Allowance for Credit Losses on Financing Receivables [Table Text Block]	'
	The following tables present 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 December 31, 2013 and 2012:

	December 31, 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		$	148		$	2,603		$	3		$	32		$	-		$	2,786
	Collectively evaluated for impairment			392			5,755			289			277			77			6,790

	Total ending allowance balance		$	540		$	8,358		$	292		$	309		$	77		$	9,576

	Loans:
	Loans individually evaluated for impairment		$	803		$	32,911		$	3,051		$	546		$	-		$	37,311
	Loans collectively evaluated for impairment			19,818			247,025			96,293			53,464			13,041			429,641

	Total ending loans balance		$	20,621		$	279,936		$	99,344		$	54,010		$	13,041		$	466,952

	December 31, 2012					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

Impaired Financing Receivables [Table Text Block]	'
	The following tables’ present loans individually evaluated for impairment by class of loans as of December 31, 2013, 2012 and 2011. 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 excludes accrued interest receivable and loan origination fees.

	December 31, 2013		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		$	679		$	475		$	-		$	747		$	21		$	21
	Commercial Real Estate:
	Land Development			2,014			1,989			-			2,898			139			139
	Building Lots			477			212			-			212			-			-
	Other			25,441			21,864			-			17,934			754			754
	Residential Mortgage			3,119			2,992			-			2,368			63			63
	Consumer and Home Equity			478			478			-			330			10			10
	Indirect Consumer			-			-			-			-			-			-

	With an allowance recorded:
	Commercial			328			328			148			314			9			9
	Commercial Real Estate:
	Land Development			2,206			2,206			1,581			2,538			121			121
	Building Lots			-			-			-			-			-			-
	Other			6,640			6,640			1,021			16,512			694			694
	Residential Mortgage			59			59			3			312			8			8
	Consumer and Home Equity			68			68			33			229			7			7
	Indirect Consumer			-			-			-			-			-			-

	Total		$	41,509		$	37,311		$	2,786		$	44,394		$	1,826		$	1,826

	December 31, 2012		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


	December 31, 2011		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		$	2,154		$	2,154		$	-		$	1,808		$	86		$	86
	Commercial Real Estate:
	Land Development			12,719			7,124			-			8,336			203			203
Building Lots			3,662			1,305			-			522			2			2
Other			36,475			32,337			-			37,038			1,471			1,471
Residential Mortgage			-			-			-			-			-			-
Consumer and Home Equity			-			-			-			-			-			-
Indirect Consumer			-			-			-			-			-			-

With an allowance recorded:
Commercial			1,076			1,076			410			1,210			57			57
Commercial Real Estate:
Land Development			2,952			2,952			442			8,438			206			206
Building Lots			477			477			265			1,894			6			6
Other			17,518			17,150			2,696			24,697			982			982
Residential Mortgage			1,802			1,681			481			1,648			19			19
Consumer and Home Equity			193			193			109			261			-			-
Indirect Consumer			123			123			39			134			-			-

Total		$	79,151		$	66,572		$	4,442		$	85,986		$	3,032		$	3,032

Schedule of Recorded Investment in Restructured, Nonaccrual and Loans Past Due [Table Text Block]	'
	The following tables present the recorded investment in restructured, nonaccrual and loans past due over 90 days still on accrual by class of loans as of December 31, 2013 and 2012.

									Restructured
									Loans Past Due			Loans Past Due
	December 31, 2013								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		$	-		$	178		$	-		$	-		$	421
	Commercial Real Estate:
	Land Development			-			1,687			-			-			302
	Building Lots			-			-			-			-			212
	Other			986			17,025			4,780			2,226			6,443
	Residential Mortgage			301			-			-			-			1,532
	Consumer and Home Equity			23			73			-			-			156
	Indirect Consumer			-			-			-			-			30

	Total		$	1,310		$	18,963		$	4,780		$	2,226		$	9,096

									Restructured
									Loans Past Due			Loans Past Due
	December 31, 2012								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 tables present the aging of the unpaid principal in past due loans as of December 31, 2013 and 2012 by class of loans:

	December 31, 2013		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		$	-		$	-		$	421		$	421		$	20,200		$	20,621
	Commercial Real Estate:
	Land Development			-			-			302			302			20,174			20,476
	Building Lots			-			-			212			212			1,347			1,559
	Other			5,250			6,213			13,442			24,905			232,996			257,901
	Residential Mortgage			1,446			511			1,053			3,010			96,334			99,344
	Consumer and Home Equity			430			23			117			570			53,440			54,010
	Indirect Consumer			211			55			22			288			12,753			13,041

	Total		$	7,337		$	6,802		$	15,569		$	29,708		$	437,244		$	466,952

	December 31, 2012		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 years ending December 31, 2013 and 2012:

						Pre-Modification			Post-Modification
	December 31, 2013					Outstanding			Outstanding
			Number			Recorded			Recorded
	(Dollars in thousands)		of Loans			Investment			Investment

	Troubled Debt Restructurings:
	Commercial			-		$	-		$	-
	Commercial Real Estate:
	Land Development			-			-			-
	Building Lots			-			-			-
	Other			5			3,485			3,485
	Residential Mortgage			-			-			-
	Consumer and Home Equity			2			73			73
	Indirect Consumer			-			-			-

	Total			7		$	3,558		$	3,558

						Pre-Modification			Post-Modification
	December 31, 2012					Outstanding			Outstanding
			Number			Recorded			Recorded
	(Dollars in thousands)		of Loans			Investment			Investment

	Troubled Debt Restructurings:
	Commercial			2		$	58		$	58
	Commercial Real Estate:
	Land Development			3			3,727			3,586
	Building Lots			2			171			171
	Other			6			6,508			6,508
	Residential Mortgage			-			-			-
	Consumer and Home Equity			-			-			-
	Indirect Consumer			-			-			-

	Total			13		$	10,464		$	10,323

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 years ending December 31, 2013 and 2012:

	December 31, 2013
			Number			Recorded
	(Dollars in thousands)		of Loans			Investment

	Troubled Debt Restructurings:
	Commercial			-		$	-
	Commercial Real Estate:
	Land Development			-			-
	Building Lots			-			-
	Other			1			4,780
	Residential Mortgage			-			-
	Consumer and Home Equity			-			-
	Indirect Consumer			-			-

	Total			1		$	4,780

	December 31, 2012
			Number			Recorded
	(Dollars in thousands)		of Loans			Investment

	Troubled Debt Restructurings:
	Commercial			-		$	-
	Commercial Real Estate:
	Land Development			2			2,862
	Building Lots			-			-
	Other			1			7,531
	Residential Mortgage			-			-
	Consumer and Home Equity			-			-
	Indirect Consumer			-			-

	Total			3		$	10,393

Financing Receivable Credit Quality Indicators [Table Text Block]	'
	As of December 31, 2013 and 2012, and based on the most recent analysis performed, the risk category of loans by class of loans is as follows:

	December 31, 2013
	(Dollars in thousands)		Not Rated			Pass			Criticized			Substandard			Doubtful			Loss		Total

	Commercial		$	-		$	19,289		$	470		$	862		$	-		$	-	$	20,621
	Commercial Real Estate:
	Land Development			-			15,484			2,484			2,508			-			-		20,476
	Building Lots			-			906			441			212			-			-		1,559
	Other			-			213,719			13,920			30,262			-			-		257,901
	Residential Mortgage			95,351			-			942			3,051			-			-		99,344
	Consumer and Home Equity			53,407			-			72			531			-			-		54,010
	Indirect Consumer			12,988			-			-			53			-			-		13,041

	Total		$	161,746		$	249,398		$	18,329		$	37,479		$	-		$	-	$	466,952

	December 31, 2012
	(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 tables present the unpaid principal balance in residential mortgage, consumer and home equity and indirect consumer loans based on payment activity as of December 31, 2013 and 2012:

	December 31, 2013		Residential			Consumer &			Indirect
	(Dollars in thousands)		Mortgage			Home Equity			Consumer

	Performing		$	97,511		$	53,831		$	13,011
	Restructured on non-accrual			301			23			-
	Non-accrual			1,532			156			30

	Total		$	99,344		$	54,010		$	13,041

	December 31, 2012		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)	12 Months Ended
REAL ESTATE ACQUIRED THROUGH FORECLOSURE (Tables)	Dec. 31, 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:

		December 31,
	(Dollars in thousands)	2013		2012		2011

	Beginning balance, January 1,	$	22,286	$	29,083	$	25,807
	Additions		8,713		18,100		19,416
	Net proceeds from sale of properties		-17,076		-19,250		-6,877
	Writedowns		-2,185		-5,147		-9,263
	Change in valuation allowance		-81		-500		-
	Ending balance	$	11,657	$	22,286	$	29,083

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:

		Year Ended
		December 31,
		2013		2012
	(Dollars in thousands)

	Beginning balance	$	500	$	-
	Provision		427		500
	Writedowns and loss on sale		-346		-
	Ending balance	$	581	$	500

FAIR_VALUE_Tables

FAIR VALUE (Tables)	12 Months Ended
FAIR VALUE (Tables)	Dec. 31, 2013
Fair Value, Assets Measured on Recurring Basis [Table Text Block]	'
	Assets measured at fair value on a recurring basis are summarized below:

				Quoted Prices in
				Active Markets for			Significant Other		Significant
		December 31,		Identical Assets			Observable Inputs		Unobservable Inputs
	(Dollars in thousands)	2013		(Level 1)			(Level 2)		(Level 3)

	Assets:
	Government-sponsored collateralized mortgage obligations	$	100,816	$	-		$	100,816	$	-
	Government-sponsored mortgage-backed residential		74,324		-			74,324		-
	Corporate bonds		43,698		10,768			32,930		-
	Asset backed-collateralized loan obligations		34,478		-			34,478		-
	State and municipal		11,923		-			11,923		-
	Commercial mortgage backed		4,043		-			4,043		-

	Total	$	269,282	$	10,768		$	258,514	$	-

				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:
	Government-sponsored collateralized mortgage obligations	$	150,147	$	-		$	150,147	$	-
	Government-sponsored mortgage-backed residential		144,889		-			144,889		-
	Corporate bonds		32,967		-			32,967		-
	State and municipal		12,718		-			12,718		-
	U.S. government agencies		8,278		-			8,278		-
	Private asset backed		5,132		-			5,132		-

	Total	$	354,131	$	-		$	354,131	$	-

Fair Value, Liabilities Measured on Recurring Basis [Table Text Block]	'
	The following transfers between Level 1 and Level 2 occurred during 2013 due to the corporate bonds being actively traded in the open market: There were no transfers between Level 1 and Level 2 during 2012.

		Year Ended
		December 31,
	(Dollars in thousands)	2013

	Transfer from Level 2 to Level 1:
	Corporate bonds	$	5,103

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 period ended December 31, 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 3assets measured at fair value on a recurring basis at December 31, 2013.

		Fair Value Measurements
		Using Significant
		Unobservable Inputs
		(Level 3)

		Year Ended
		December 31,
	(Dollars in thousands)	2012

	Beginning balance	$	264
	Total gains or losses:
	Impairment charges on securities		-
	Included in other comprehensive income		18
	Purchases		-
	Sales or calls		-282
	Settlements		-
	Transfers in and/or out of Level 3		-
	Ending balance	$	-

Fair Value, Measured on Recurring Basis, Gain (Loss) Included in Earnings [Table Text Block]	'
	The table below summarizes changes in unrealized gains and losses recorded in earnings for the year ended December 31 for Level 3 assets and liabilities that are still held at December 31.

		Changes in Unrealized Gains/Losses
		Relating to Assets Still Held at Reporting
		Date for the Year Ended
		December 31,
	(Dollars in thousands)	2011

	Interest income on securities	$	-
	Other changes in fair value		83
	Total	$	83

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
		December 31,		Identical Assets			Observable Inputs		Unobservable Inputs
	(Dollars in thousands)	2013		(Level 1)			(Level 2)		(Level 3)

	Assets:
	Impaired loans:
	Commercial	$	180	$	-		$	-	$	180
	Commercial Real Estate:
	Land Development		625		-			-		625
	Other		5,619		-			-		5,619
	Residential Mortgage		56		-			-		56
	Consumer and Home Equity		35		-			-		35
	Real estate acquired through foreclosure:
	Commercial Real Estate:
	Land Development		947		-			-		947
	Other		2,667		-			-		2,667
	Residential Mortgage		634		-			-		634
	Other real estate owned:
	Bank Lots		792		-			-		792

				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, by Balance Sheet Grouping [Table Text Block]	'
	The estimated fair value of financial instruments, not previously presented, is as follows:

				December 31, 2013
	(Dollars in thousands)	Carrying		Fair Value Measurements
		Value		Total			Level 1		Level 2		Level 3
	Financial assets:
	Cash and due from banks	$	65,988	$	65,988		$	6,596	$	59,392	$	-
	Mortgage loans held for sale		470		478			-		478		-
	Loans, net		450,771		453,592			-		-		453,592
	Accrued interest receivable		2,224		2,224			-		1,136		1,088
	FHLB stock		4,430		N/A			N/A		N/A		N/A

	Financial liabilities:
	Deposits		783,487		733,515			-		733,515		-
	Advances from Federal Home Loan Bank		12,389		13,315			-		13,315		-
	Subordinated debentures		18,000		13,038			-		-		13,038
	Accrued interest payable		4,485		4,485			-		4,485		-

				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			-		1,350		1,340
	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		-

Fair Value, Measurements, Nonrecurring [Member]	'
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 December 31, 2013.

		Fair		Valuation		Unobservable		Range (Weighted
	(Dollars in thousands)	Value		Technique(s)		Input(s)		Average)

	Impaired loans:
	Commercial Real Estate:
	Land Development		625	Sales comparison approach		Adjustment for differences between comparable sales		3.10%-18.00% (15.98%)

	Other		5,194	Income approach		Discount or capitalization rate		8.50%-9.00% (8.84%)

	Residential Mortgage		56	Sales comparison approach		Adjustment for differences between comparable sales		3.00% (1)

	Consumer and Home Equity		35	Sales comparison approach		Adjustment for differences between comparable sales		2.10%-2.25% (2.20%)

	Real estate acquired through foreclosure:
	Commercial Real Estate:
	Land Development		919	Income approach		Discount or capitalization rate		7.40%-29.00% (21.33%)
			28	Sales comparison approach		Adjustment for differences between comparable sales		0.00% (1)

	Other		1,626	Income approach		Discount or capitalization rate		9.40%-10.00% (9.80%)
			1,041	Sales comparison approach		Adjustment for differences between comparable sales		8.00%-25.00% (19.73%)

	Residential Mortgage		634	Sales comparison approach		Adjustment for differences between comparable sales		0.00%-13.00% (2.08%)

	Real estate owned:
	Bank Lots		792	Sales comparison approach		Adjustment for differences between comparable sales		10.00% (1)

	__________________________________________________________________
	(1) Unobservable inputs with a single discount listed include only one property.

PREMISES_AND_EQUIPMENT_Tables

PREMISES AND EQUIPMENT (Tables)	12 Months Ended
PREMISES AND EQUIPMENT (Tables)	Dec. 31, 2013
Property, Plant and Equipment [Abstract]	'
Property, Plant and Equipment [Table Text Block]	'
	Premises and equipment consist of the following:

		December 31,
	(Dollars in thousands)	2013		2012

	Land	$	4,360	$	6,654
	Buildings		25,455		25,567
	Furniture, fixtures and equipment		12,350		12,320
			42,165		44,541
	Less accumulated depreciation		-18,392		-17,493
		$	23,773	$	27,048

Schedule of Future Minimum Rental Payments for Operating Leases [Table Text Block]	'
	Future minimum commitments under these leases are:

		Year Ended
	(Dollars in thousands)	December 31,

	2014	$	615
	2015		615
	2016		589
	2017		466
	2018		472
	Thereafter		5,610
		$	8,367

INTANGIBLE_ASSETS_Tables

INTANGIBLE ASSETS (Tables)	12 Months Ended
INTANGIBLE ASSETS (Tables)	Dec. 31, 2013
Goodwill and Intangible Assets Disclosure [Abstract]	'
Amortized Intangible Assets [Table Text Block]	'
	Acquired intangible assets were as follows at year end:

	(Dollars in thousands)	December 31, 2012						December 31, 2011
		Gross						Gross
		Carrying		Accumulated				Carrying		Accumulated
		Amount		Amortization		Sold		Amount		Amortization
	Amortized intangible assets:
	Core deposit intangibles	$	1,910	$	1,323	$	587	$	1,910	$	1,196
	Other customer relationship intangibles		669		409		260		669		364
		$	2,579	$	1,732	$	847	$	2,579	$	1,560

DEPOSITS_Tables

DEPOSITS (Tables)	12 Months Ended
DEPOSITS (Tables)	Dec. 31, 2013
Deposits [Abstract]	'
Schedule Of Maturities Of Time Deposits [Table Text Block]	'
	scheduled maturities of time deposits are as follows:

	(Dollars in thousands)	Amount

	2014	$	158,041
	2015		65,486
	2016		32,289
	2017		16,024
	2018		13,258
	Thereafter		42,852
		$	327,950

ADVANCES_FROM_FEDERAL_HOME_LOA1

ADVANCES FROM FEDERAL HOME LOAN BANK (Tables)	12 Months Ended
ADVANCES FROM FEDERAL HOME LOAN BANK (Tables)	Dec. 31, 2013
Advances from Federal Home Loan Banks [Abstract]	'
Schedule of Federal Home Loan Bank, Advances, by Branch of FHLB Bank [Table Text Block]	'
	Advances from the FHLB at year-end are as follows:

		December 31,
		2013					2012
		Weighted-					Weighted-
	(Dollars in Thousands)	Average					Average
		Rate			Amount		Rate			Amount
	Fixed rate advances:
	Convertible fixed rate advance with an interest rate of 4.02% due 2017		4.02	%	$	10,000		4.02	%	$	10,000
	Other fixed rate advances with interest rates from 4.19% to 5.72%due through 2026
			4.85	%		2,389		4.87	%		2,596
	Total borrowings				$	12,389				$	12,596

Schedule of Financing Receivables, Minimum Payments [Table Text Block]	'
	The aggregate minimum annual repayments of borrowings as of December 31, 2013 are as follows:

		(Dollars in thousands)

	2014	$	222
	2015		505
	2016		345
	2017		10,365
	2018		454
	Thereafter		498
		$	12,389

INCOME_TAXES_Tables

INCOME TAXES (Tables)	12 Months Ended
INCOME TAXES (Tables)	Dec. 31, 2013
Income Tax Disclosure [Abstract]	'
Provision For Income Taxes [Table Text Block]	'
	Provision for income taxes is as follows:

		Year Ended December 31,
	(Dollars in thousands)	2013			2012			2011

	Current	$	3		$	-18		$	-2,853
	Deferred		4,967			-906			-3,179
	Net Operating Loss		-5,441			-2,907			-5,269

			-471			-3,831			-11,301
	Valuation allowance		474			3,813			8,318

	Total income tax expense/(benefit)	$	3		$	-18		$	-2,983

Schedule of Effective Income Tax Rate Reconciliation [Table Text Block]	'
	The provision for income taxes differs from the amount computed at the statutory rates as follows:

		Year Ended December 31,
	(Dollars in thousands)	2013				2012				2011

	Federal statutory rate		34	%			34	%			34	%
	Change in valuation allowance		63.7				-45.3				-31.8
	Tax-exempt interest income		-10.4				1.2				1.3
	Increase in cash surrender value of life insurance		-16.8				1.5				0.4
	Stock option expense		6.9				-0.5				-0.1
	Low income Housing tax credits		-76.9				12.7				7.1
	Other		-0.2				-3.4				0.5
	Effective rate		0.3	%			0.2	%			11.4	%

Schedule of Deferred Tax Assets and Liabilities [Table Text Block]	'
	Temporary differences between the financial statement carrying amounts and tax bases of assets and liabilities that give rise to significant portions of deferred income taxes relate to the following:

		December 31,
	(Dollars in thousands)	2013			2012

	Deferred tax assets:
	Allowance for loan losses	$	3,308		$	5,965
	Net operating loss carryforward		13,617			8,176
	AMT credit carryforward		196			196
	Low income housing credits		3,494			2,922
	Net unrealized loss on securities available-for-sale		2,726			-
	Intangibles and fair value adjustments		-			120
	Writedowns of real estate owned		1,226			3,917
	Nonaccrual loan interest		805			1,253
	Accrued liabilities and other		423			230
	Total deferred tax assets		25,795			22,779

	Deferred tax liabilities:
	Depreciation		1,848			1,982
	Net unrealized gain on securities available-for-sale		-			1,299
	Federal Home Loan Bank stock		1,049			1,049
	Deferred gain on like-kind exchange		4			4
	Other		240			290
	Total deferred tax liabilities		3,141			4,624

	Net temporary differences		22,654			18,155

	Valuation allowance		-22,654			-18,155

	Net deferred tax assets	$	-		$	-

STOCKHOLDERS_EQUITY_Tables

STOCKHOLDERS' EQUITY (Tables)	12 Months Ended
STOCKHOLDERS' EQUITY (Tables)	Dec. 31, 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
		Amount		Ratio				Amount			Ratio				Amount			Ratio
	As of December 31, 2013:
	Total risk-based capital (to risk- weighted assets)
	Consolidated	$	68,477		12.13	%		$	45,174			8	%		$	67,761			12	%
	Bank		76,147		13.48				45,177			8				67,765			12
	Tier I capital (to risk-weighted assets)
	Consolidated		58,036		10.28				22,587			4				N/A			N/A
	Bank		69,057		12.23				22,588			4				N/A			N/A
	Tier I capital (to average assets)
	Consolidated		58,036		6.68				34,737			4				78,158			9
	Bank		69,057		7.96				34,706			4				78,088			9

	(Dollars in thousands)						For Capital						Required by
		Actual					Adequacy Purposes						Consent Order
		Amount		Ratio				Amount		Ratio				Amount		Ratio
	As of December 31, 2012:
	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

EARNINGS_LOSS_PER_SHARE_Tables

EARNINGS (LOSS) PER SHARE (Tables)	12 Months Ended
EARNINGS (LOSS) PER SHARE (Tables)	Dec. 31, 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:

		Year Ended
	(Amounts in thousands,	December 31,
	except per share data)	2013		2012		2011

	Basic:
	Net income/(loss)	$	741	$	-8,393	$	-23,161
	Less:
	Preferred stock dividends		-1,000		-1,000		-1,000
	Accretion on preferred stock discount		-54		-54		-54
	Net income (loss) available to common shareholders	$	-313	$	-9,447	$	-24,215
	Weighted average common shares		4,828		4,769		4,743

	Diluted:
	Weighted average common shares		4,828		4,769		4,743
	Dilutive effect of stock options and warrants		-		-		-
	Weighted average common and incremental shares		4,828		4,769		4,743

	Earnings (Loss) Per Common Share:
	Basic	$	-0.06	$	-1.98	$	-5.11
	Diluted	$	-0.06	$	-1.98	$	-5.11

CHANGES_IN_AND_RECLASSIFICATIO1

CHANGES IN AND RECLASSIFICATIONS FROM ACCUMULATED OTHER COMPREHENSIVE INCOME (Tables)	12 Months Ended
	Dec. 31, 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:

		Year Ended December 31,
		Unrealized Gains and Losses on
		Available-for-Sale Securities (1)
		2013		2012		2011

		(Dollars in thousands)

	Beginning balance	$	1,270	$	1,326	$	-4,715
	Other comprehensive income (loss) before reclassification		-11,612		2,197		6,887
	Amounts reclassified from accumulated other comprehensive income		-226		-2,253		-846
	Net other comprehensive income (loss)		-11,838		-56		6,041
	Ending balance	$	-10,568	$	1,270	$	1,326

	(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:

	Year ended December 31, 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	$	1,257	Gain on sale of investments
			-1,031	Loss on sale of investments
			226	Total before tax
			-	Income taxes/(benefits)
	Total amount reclassified	$	226	Net income (loss)


	Year ended December 31, 2012
	(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	$	3,384	Gain on sale of investments
	available-for-sale securities	$	3,384	Gain on sale of investments
			-1,131	Loss on sale of investments
			2,253	Total before tax
			-	Income taxes/(benefits)
	Total amount reclassified	$	2,253	Net income (loss)

	Year ended December 31, 2011
	(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	$	995	Gain on sale of investments
	available-for-sale securities	$	995	Gain on sale of investments
			-149	Loss on sale of investments
			846	Total before tax
			-	Income taxes/(benefits)
	Total amount reclassified	$	846	Net income (loss)

EMPLOYEE_BENEFIT_PLANSTables

EMPLOYEE BENEFIT PLANS(Tables)	12 Months Ended
EMPLOYEE BENEFIT PLANS(Tables)	Dec. 31, 2013
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]	'
Employee Stock Ownership Plan (ESOP) Disclosures [Table Text Block]	'
	Shares in the plan and the fair value of shares released during the year charged to compensation expense were as follows:

		Year Ended
		December 31,
		2013			2012			2011

	KSOP shares (ending)		154,748			167,620			226,517
	Shares released		-			-			-
	Compensation expense	$	-		$	-		$	-

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 years ended December 31, 2013, 2012 and 2011 and the resulting estimated weighted average fair value per share is presented below.

		December 31,
		2013				2012				2011
	Assumptions:
	Risk-free interest rate		2.05	%			1.77	%			1.87	%
	Expected dividend yield		-	%			-	%			-	%
	Expected life (years)		10				10				10
	Expected common stock
	market price volatility		65	%			55	%			45	%
	Estimated fair value per share	$	1.96			$	1.99			$	0.86

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 year ended December 31, 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		-32,350			13.79
	Exercised during period		-700			1.68
	Outstanding, end of period		376,300		$	3.13			8.2		$	796

	Eligible for exercise at period end		107,420		$	4.12			7.3		$	185

Schedule of Nonvested Restricted Stock Units Activity [Table Text Block]	'
	A summary of changes in our non-vested restricted shares for the year ended December 31, 2013 is presented below:

					Weighted
					Average
		Non-vested			Grant Date
		Shares			Fair Value

	Outstanding, beginning of period		32,964		$	3.64
	Granted during period		150,613			3.41
	Vested during period		-102,830			3.33
	Terminated during period		-17,250			2.84
	Outstanding, end of period		63,497		$	3.81

CASH_FLOW_ACTIVITIES_Tables

CASH FLOW ACTIVITIES (Tables)	12 Months Ended
CASH FLOW ACTIVITIES (Tables)	Dec. 31, 2013
Supplemental Cash Flow Information [Abstract]	'
Schedule of Cash Flow, Supplemental Disclosures [Table Text Block]	'
	The following information is presented as supplemental disclosures to the statement of cash flows.

		Year Ended
	(a) Cash Paid (Received) for:	December 31,
	(Dollars in thousands)	2013		2012		2011

	Interest expense	$	7,464	$	14,055	$	19,477

	Income taxes	$	-19	$	-569	$	-

Schedule of Noncash or Part Noncash Acquisitions [Table Text Block]	'
	(b) Supplemental disclosure of non-cash activities:
	(Dollars in thousands)
		Year Ended
		December 31,
		2013		2012		2011

	Loans to facilitate sales of real estate owned and repossessed assets	$	1,000	$	273	$	2,445

	Transfers from loans to real estate acquired through foreclosure and repossessed assets	$	8,854	$	18,349	$	19,641

	Transfers from fixed assets to other real estate owned-bank lots	$	1,688	$	-	$	-

	Dividends accrued not paid on preferred stock	$	1,000	$	1,000	$	1,000

	Transfers from loans to loans held for sale in probable loan sale	$	-	$	-	$	10,749

	Transfers from loans to loans held for sale in probable branch divestiture	$	-	$	-	$	35,080

	Transfers from premises and equipment to premises and equipment held for sale in probable branch divestiture	$	-	$	-	$	946

	Transfers from deposits to deposits held for sale in probable branch divestiture	$	-	$	-	$	117,204

CONDENSED_FINANCIAL_INFORMATIO1

CONDENSED FINANCIAL INFORMATION (PARENT COMPANY ONLY) (Tables)	12 Months Ended
	Dec. 31, 2013
Condensed Financial Information of Parent Company Only Disclosure [Abstract]	'
Condensed Balance Sheet [Table Text Block]	'
		Condensed Balance Sheets
		December 31,
	(Dollars in thousands)	2013		2012
	Assets

	Cash and interest bearing deposits	$	147	$	333
	Investment in Bank		58,490		67,525
	Other assets		91		72
		$	58,728	$	67,930

	Liabilities and Stockholders' Equity
	Subordinated debentures	$	18,000	$	18,000
	Other liabilities		7,909		5,558
	Stockholders' equity		32,819		44,372
		$	58,728	$	67,930

Condensed Income Statement [Table Text Block]	'
	Condensed Statements of Income/(Loss)
		Year Ended
		December 31,
	(Dollars in thousands)	2013		2012		2011

	Interest income	$	-	$	-	$	41
	Interest expense		-1,363		-1,444		-1,373
	Gain on sale of investments		-		-		157
	Other expenses		-546		-462		-226
	Income (loss) before income tax benefit		-1,909		-1,906		-1,401
	Income tax benefit		-		-		-140
	Income (loss) before equity in undistributed net income/(loss) of Bank		-1,909		-1,906		-1,261
	Equity in undistributed net income/(loss) of Bank		2,650		-6,487		-21,900
	Net income/(loss)	$	741	$	-8,393	$	-23,161

	Comprehensive income (loss)	$	-11,097	$	-8,449	$	-17,120

Condensed Cash Flow Statement [Table Text Block]	'
	Condensed Statements of Cash Flows
		Year Ended
	(Dollars in thousands)	December 31,
		2013		2012		2011

	Operating Activities:
	Net income/(loss)	$	741	$	-8,393	$	-23,161
	Adjustments to reconcile net income/(loss) to cash provided by operating activities:
	Equity in undistributed net income/(loss) of Bank		-2,650		6,487		21,900
	Gain on sale of investments available-for-sale		-		-		-157
	Stock-based compensation expense		499		309		186
	Changes in:
	Other assets		-172		-105		-113
	Accounts payable and other liabilities		1,351		1,429		1,128
	Net cash from operating activities		-231		-273		-217

	Investing Activities:
	Sales of securities available-for-sale		-		-		448
	Net cash from investing activities		-		-		448

	Financing Activities:
	Issuance of common stock under dividend reinvestment program		-		10		2
	Issuance of common stock for employee benefit plans and exercise of stock options		45		39		84
	Net cash from financing activities		45		49		86

	Net change in cash and interest bearing deposits		-186		-224		317
	Cash and interest bearing deposits, beginning of year		333		557		240
	Cash and interest bearing deposits, end of year	$	147	$	333	$	557

FINANCIAL_INSTRUMENTS_WITH_OFF1

FINANCIAL INSTRUMENTS WITH OFF-BALANCE-SHEET RISK (Tables)	12 Months Ended
FINANCIAL INSTRUMENTS WITH OFF-BALANCE-SHEET RISK (Tables)	Dec. 31, 2013
Financial Instruments With Off Balance Sheet Risk [Abstract]	'
Schedule Of Contractual Amount Off Balance Sheet Risks [Table Text Block]	'
	The contractual amounts of financial instruments with off-balance-sheet risk at year end were as follows:

	(Dollars in thousands)	December 31, 2013				December 31, 2012
		Fixed		Variable		Fixed		Variable
		Rate		Rate		Rate		Rate

	Commitments to make loans	$	-	$	2,300	$	71	$	2,833
	Unused lines of credit		-		68,450		-		71,181
	Standby letters of credit		-		5,594		-		6,355
		$	-	$	76,344	$	71	$	80,369

RELATED_PARTY_TRANSACTIONS_Tab

RELATED PARTY TRANSACTIONS (Tables)	12 Months Ended
RELATED PARTY TRANSACTIONS (Tables)	Dec. 31, 2013
Related Party Transactions [Abstract]	'
Schedule Of Related Party Loan Activity [Table Text Block]	'
	A summary of the related party loan activity, for loans aggregating $60,000 or more to any one related party, is as follows:

		Year Ended
		December 31,
	(Dollars in thousands)	2013		2012

	Beginning of year	$	1,354	$	1,292
	New loans		-		170
	Repayments		-35		-32
	Effect of changes in composition of related parties		1,846		-76
	End of year	$	3,165	$	1,354

SUMMARY_OF_QUARTERLY_FINANCIAL1

SUMMARY OF QUARTERLY FINANCIAL DATA- (Unaudited) (Tables)	12 Months Ended
SUMMARY OF QUARTERLY FINANCIAL DATA- (Unaudited) (Tables)	Dec. 31, 2013
Quarterly Financial Information Disclosure [Abstract]	'
Schedule of Quarterly Financial Information [Table Text Block]	'
	SUMMARY OF QUARTERLY FINANCIAL DATA– (Unaudited)

	(Dollars in thousands except per share data)

	Year Ended December 31, 2013:	March 31,		June 30,		September 30,		December 31,

	Total interest income	$	8,540	$	8,211	$	8,061	$	7,610
	Total interest expense		2,609		2,247		2,034		1,938
	Net interest income		5,931		5,964		6,027		5,672
	Provision for loan losses		-1,037		212		-500		-1,761
	Non-interest income		1,454		1,686		3,546		1,406
	Non-interest expense		8,300		8,563		8,605		8,560
	Net income/(loss) attributable to common shareholders		-142		-1,389		1,203		15
	Earnings/(loss) per common share:
	Basic		-0.03		-0.29		0.25		0.01
	Diluted		-0.03		-0.29		0.25		0.01

	Year Ended December 31, 2012:	March 31,		June 30,		September 30,		December 31,

	Total interest income	$	12,745	$	10,738	$	9,822	$	8,416
	Total interest expense		4,570		4,068		3,589		3,132
	Net interest income		8,175		6,670		6,233		5,284
	Provision for loan losses		1,012		915		2,671		2,199
	Non-interest income		1,036		1,323		6,456		2,144
	Non-interest expense		8,488		11,216		10,853		8,378
	Net income/(loss) attributable to common shareholders		-553		-4,402		-1,015		-3,477
	Earnings/(loss) per common share:
	Basic		-0.12		-0.92		-0.21		-0.73
	Diluted		-0.12		-0.92		-0.21		-0.73

SUMMARY_OF_SIGNIFICANT_ACCOUNT2

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Details Textual) (USD $)	12 Months Ended
	Dec. 31, 2013	Dec. 31, 2012
Summary Of Significant Accounting Policies [Line Items]	'	'
Mortgage Loans on Real Estate, Periodic Payment Terms	'90 days	'
Mortgage Loans On Real Estate Periodic Payment Terms 1	'60 to 90 days	'
Maximum Mortgages Loans To Appraised Value Ratio	90.00%	'
Payments for Origination of Mortgage Loans Held-for-sale	$840,000	$20,900,000
Income Tax Examination, Likelihood of Unfavorable Settlement	'greater than 50%	'
Adjustable Interest Rates Description	'maturities of 25 years or less or are loans with fixed interest rates and maturities of five years or less.	'
Impaired Financing Receivable, Recorded Investment, Total	$7,000,000	$7,100,000
Maximum [Member]	'	'
Summary Of Significant Accounting Policies [Line Items]	'	'
Mortgage Loans on Real Estate, Periodic Payment Terms	'120 day	'
Finite-Lived Intangible Asset, Useful Life	'10 years	'
Maximum [Member] \| Building [Member]	'	'
Summary Of Significant Accounting Policies [Line Items]	'	'
Property, Plant and Equipment, Useful Life	'40 years	'
Maximum [Member] \| Furniture and Fixtures [Member]	'	'
Summary Of Significant Accounting Policies [Line Items]	'	'
Property, Plant and Equipment, Useful Life	'15 years	'
Minimum [Member]	'	'
Summary Of Significant Accounting Policies [Line Items]	'	'
Mortgage Loans on Real Estate, Periodic Payment Terms	'90 days	'
Finite-Lived Intangible Asset, Useful Life	'7 years	'
Minimum [Member] \| Building [Member]	'	'
Summary Of Significant Accounting Policies [Line Items]	'	'
Property, Plant and Equipment, Useful Life	'5 years	'
Minimum [Member] \| Furniture and Fixtures [Member]	'	'
Summary Of Significant Accounting Policies [Line Items]	'	'
Property, Plant and Equipment, Useful Life	'3 years	'

REGULATORY_MATTERS_Details_Tex

REGULATORY MATTERS (Details Textual) (USD $)	1 Months Ended	12 Months Ended
REGULATORY MATTERS (Details Textual) (USD $)	Jul. 06, 2012	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011	Jan. 31, 2011
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]	'	'	'	'	'
Capital to Risk Weighted Assets	'	13.57%	'	'	12.00%
Tier One Risk Based Capital to Risk Weighted Assets	'	'	'	'	9.00%
Proceeds from Sale of Property, Plant, and Equipment	$887,000	$533,000	$1,575,000	$0	'
Proceeds from Sale of Other Property, Plant, and Equipment	367,000	'	'	'	'
Tier 1 Capital to Total Assets	'	8.02%	'	'	'
Interest-bearing Deposit Liabilities, Total	'	705,007,000	846,778,000	'	'
Non Brokered Interest Bearing Deposit Liabilities	115,400,000	'	'	'	'
Performing Financing Receivable [Member]	'	'	'	'	'
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]	'	'	'	'	'
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]	'	'	'	'	'
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]	'	'	'	'	'
Interest-bearing Deposit Liabilities, Total	102,300,000	'	'	'	'
Government Corporate Other Financial Institution and Municipal Deposits [Member]	'	'	'	'	'
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]	'	'	'	'	'
Non Brokered Interest Bearing Deposit Liabilities	$13,100,000	'	'	'	'
Minimum [Member]	'	'	'	'	'
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]	'	'	'	'	'
Capital to Risk Weighted Assets	'	9.00%	6.53%	'	'
Maximum [Member]	'	'	'	'	'
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]	'	'	'	'	'
Capital to Risk Weighted Assets	'	12.00%	12.21%	'	'
First Savings Bank [Member]	'	'	'	'	'
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]	'	'	'	'	'
Premium Percentage of Proceeds from Sale of Property Plant and Equipment	3.65%	'	'	'	'

SECURITIES_Details

SECURITIES (Details) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Schedule of Available-for-sale Securities [Line Items]	'	'
Amortized Cost, Securities available-for-sale	$277,292	$350,303
Gross Unrealized Gains, Securities available-for-sale	562	4,722
Gross Unrealized Losses,Securities available-for-sale	-8,572	-894
Fair Value, Securities available-for-sale	269,282	354,131
Commercial Mortgage Backed Securities [Member]	'	'
Schedule of Available-for-sale Securities [Line Items]	'	'
Amortized Cost, Securities available-for-sale	4,097	'
Gross Unrealized Gains, Securities available-for-sale	0	'
Gross Unrealized Losses,Securities available-for-sale	-54	'
Fair Value, Securities available-for-sale	4,043	'
US Government Agencies Debt Securities [Member]	'	'
Schedule of Available-for-sale Securities [Line Items]	'	'
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 collateralized mortgage obligations [Member]	'	'
Schedule of Available-for-sale Securities [Line Items]	'	'
Amortized Cost, Securities available-for-sale	104,390	148,460
Gross Unrealized Gains, Securities available-for-sale	86	2,033
Gross Unrealized Losses,Securities available-for-sale	-3,660	-346
Fair Value, Securities available-for-sale	100,816	150,147
Government-sponsored mortgage-backed Residential [Member]	'	'
Schedule of Available-for-sale Securities [Line Items]	'	'
Amortized Cost, Securities available-for-sale	78,204	144,617
Gross Unrealized Gains, Securities available-for-sale	4	774
Gross Unrealized Losses,Securities available-for-sale	-3,884	-502
Fair Value, Securities available-for-sale	74,324	144,889
Corporate Bonds [Member]	'	'
Schedule of Available-for-sale Securities [Line Items]	'	'
Amortized Cost, Securities available-for-sale	43,818	32,567
Gross Unrealized Gains, Securities available-for-sale	208	433
Gross Unrealized Losses,Securities available-for-sale	-328	-33
Fair Value, Securities available-for-sale	43,698	32,967
Asset backed-collateralized loan obligations [Member]	'	'
Schedule of Available-for-sale Securities [Line Items]	'	'
Amortized Cost, Securities available-for-sale	35,113	'
Gross Unrealized Gains, Securities available-for-sale	0	'
Gross Unrealized Losses,Securities available-for-sale	-635	'
Fair Value, Securities available-for-sale	34,478	'
State and Municipal [Member]	'	'
Schedule of Available-for-sale Securities [Line Items]	'	'
Amortized Cost, Securities available-for-sale	11,670	11,394
Gross Unrealized Gains, Securities available-for-sale	264	1,324
Gross Unrealized Losses,Securities available-for-sale	-11	0
Fair Value, Securities available-for-sale	11,923	12,718
Private Asset Backed [Member]	'	'
Schedule of Available-for-sale Securities [Line Items]	'	'
Amortized Cost, Securities available-for-sale	'	4,981
Gross Unrealized Gains, Securities available-for-sale	'	151
Gross Unrealized Losses,Securities available-for-sale	'	0
Fair Value, Securities available-for-sale	'	$5,132

SECURITIES_Details_1

SECURITIES (Details 1) (USD $)	Dec. 31, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Schedule of Available-for-sale Securities [Line Items]	'	'
Amortized Cost, Due after one year or less	$3,060	'
Amortized Cost, Due after one year through five years	40,465	'
Amortized Cost, Due after five years through ten years	4,742	'
Amortized Cost, Due after ten years	7,221	'
Available For Sale, Amortized Cost	277,292	350,303
Fair Value, Due after one year or less	3,063	'
Fair Value, Due after one year through five years	40,465	'
Fair Value, Due after five years through ten years	4,643	'
Fair Value, Due after ten years	7,450	'
Fair Value, Available for Sale	269,282	354,131
Commercial Mortgage Backed Securities [Member]	'	'
Schedule of Available-for-sale Securities [Line Items]	'	'
Available For Sale, Amortized Cost	4,097	'
Fair Value, Available for Sale	4,043	'
Government-sponsored collateralized mortgage obligations [Member]	'	'
Schedule of Available-for-sale Securities [Line Items]	'	'
Available For Sale, Amortized Cost	104,390	148,460
Fair Value, Available for Sale	100,816	150,147
Government-sponsored mortgage-backed residential [Member]	'	'
Schedule of Available-for-sale Securities [Line Items]	'	'
Available For Sale, Amortized Cost	78,204	'
Fair Value, Available for Sale	74,324	'
Asset-backed Securities, Securitized Loans and Receivables [Member]	'	'
Schedule of Available-for-sale Securities [Line Items]	'	'
Available For Sale, Amortized Cost	35,113	'
Fair Value, Available for Sale	$34,478	'

SECURITIES_Details_2

SECURITIES (Details 2) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Schedule of Available-for-sale Securities [Line Items]	'	'	'
Proceeds	$143,781	$216,404	$192,342
Gross realized gains	1,257	3,384	995
Gross realized losses	$1,031	$1,131	$149

SECURITIES_Details_3

SECURITIES (Details 3) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Schedule of Available-for-sale Securities [Line Items]	'	'
Fair Value, Less than 12 Months	$177,103	$124,398
Unrealized Loss, Less than 12 Months	-6,011	-894
Fair Value, 12 Months or More	33,775	0
Unrealized Loss, 12 Months or More	-2,561	0
Fair Value, Total	210,878	124,398
Unrealized Loss, Total	-8,572	-894
Commercial Mortgage Backed Securities [Member]	'	'
Schedule of Available-for-sale Securities [Line Items]	'	'
Fair Value, Less than 12 Months	4,043	'
Unrealized Loss, Less than 12 Months	-54	'
Fair Value, 12 Months or More	0	'
Unrealized Loss, 12 Months or More	0	'
Fair Value, Total	4,043	'
Unrealized Loss, Total	-54	'
Government-sponsored collateralized mortgage obligations [Member]	'	'
Schedule of Available-for-sale Securities [Line Items]	'	'
Fair Value, Less than 12 Months	59,168	33,275
Unrealized Loss, Less than 12 Months	-2,119	-346
Fair Value, 12 Months or More	20,560	0
Unrealized Loss, 12 Months or More	-1,541	0
Fair Value, Total	79,728	33,275
Unrealized Loss, Total	-3,660	-346
Government-sponsored mortgage-backed residential [Member]	'	'
Schedule of Available-for-sale Securities [Line Items]	'	'
Fair Value, Less than 12 Months	59,971	82,137
Unrealized Loss, Less than 12 Months	-2,864	-502
Fair Value, 12 Months or More	13,215	0
Unrealized Loss, 12 Months or More	-1,020	0
Fair Value, Total	73,186	82,137
Unrealized Loss, Total	-3,884	-502
Corporate Bonds [Member]	'	'
Schedule of Available-for-sale Securities [Line Items]	'	'
Fair Value, Less than 12 Months	17,578	5,731
Unrealized Loss, Less than 12 Months	-328	-33
Fair Value, 12 Months or More	0	0
Unrealized Loss, 12 Months or More	0	0
Fair Value, Total	17,578	5,731
Unrealized Loss, Total	-328	-33
Asset backed-collateralized loan obligations [Member]	'	'
Schedule of Available-for-sale Securities [Line Items]	'	'
Fair Value, Less than 12 Months	34,478	'
Unrealized Loss, Less than 12 Months	-635	'
Fair Value, 12 Months or More	0	'
Unrealized Loss, 12 Months or More	0	'
Fair Value, Total	34,478	'
Unrealized Loss, Total	-635	'
State and Municipal [Member]	'	'
Schedule of Available-for-sale Securities [Line Items]	'	'
Fair Value, Less than 12 Months	1,865	'
Unrealized Loss, Less than 12 Months	-11	'
Fair Value, 12 Months or More	0	'
Unrealized Loss, 12 Months or More	0	'
Fair Value, Total	1,865	'
Unrealized Loss, Total	-11	'
U.S. Treasury and Agencies [Member]	'	'
Schedule of Available-for-sale Securities [Line Items]	'	'
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)

SECURITIES_Details_4

SECURITIES (Details 4) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2012	Dec. 31, 2011
Other than Temporary Impairment, Credit Losses Recognized in Earnings [Line Items]	'	'
Beginning balance	$2,078	$1,910
Increases to the amount related to the credit loss for which other-than-temporary impairment was previously recognized	26	168
Sales/call of securities	-2,104	0
Ending balance	$0	$2,078

SECURITIES_Details_Textual

SECURITIES (Details Textual) (USD $)	12 Months Ended				2 Months Ended
	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2013	Dec. 31, 2013	Mar. 31, 2014
			Collateralized Loan Obligations [Member]	Collateralized Loan Obligations [Member]	Collateralized Loan Obligations [Member]
				Four Securities [Member]	Four Securities [Member]
					Subsequent Event [Member]
Schedule of Available-for-sale Securities [Line Items]	'	'	'	'	'
Federal Home Loan Bank, Advances, Disclosures, Collateral Pledged Amortized Cost	$193,000,000	$130,400,000	'	'	'
Federal Home Loan Bank, Advances, Disclosures, Collateral Pledged Fair Value	185,800,000	132,300,000	'	'	'
Other than Temporary Impairment Losses, Investments, Portion Recognized in Earnings	'	26,000	'	'	'
Available-for-sale Securities, Income Tax Expense on Change in Unrealized Holding Gain (Loss)	0	'	'	'	'
Securities Amortization Cost	'	'	34,500,000	14,400,000	'
Unrealized Gain (Loss) on Securities	'	'	635,000	233,000	'
Gain (Loss) on Sale of Securities, Net, Total	'	'	'	'	$83,000

LOANS_Details

LOANS (Details) (USD $)	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011	Dec. 31, 2010
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011	Dec. 31, 2010
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'	'
Loans and Leases Receivable, Gross, Carrying Amount	$466,952	$524,940	'	'
Less:	'	'	'	'
Net deferred loan origination fees	-90	-105	'	'
Allowance for loan losses	-9,576	-17,265	-17,181	-22,665
Loans and Leases Receivable Adjustments Total	-9,666	-17,370	'	'
Net loans	457,286	507,570	'	'
Development and Building Lots [Member]	'	'	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'	'
Loans and Leases Receivable, Gross, Carrying Amount	257,901	290,424	'	'
Land Development [Member]	'	'	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'	'
Loans and Leases Receivable, Gross, Carrying Amount	20,476	28,310	'	'
Building Lots [Member]	'	'	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'	'
Loans and Leases Receivable, Gross, Carrying Amount	1,559	2,151	'	'
Residential mortgage [Member]	'	'	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'	'
Loans and Leases Receivable, Gross, Carrying Amount	99,344	110,025	'	'
Less:	'	'	'	'
Allowance for loan losses	-292	-501	-922	-751
Consumer and home equity [Member]	'	'	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'	'
Loans and Leases Receivable, Gross, Carrying Amount	54,010	57,888	'	'
Less:	'	'	'	'
Allowance for loan losses	-309	-442	-610	-708
Commercial [Member]	'	'	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'	'
Loans and Leases Receivable, Gross, Carrying Amount	20,621	19,931	'	'
Less:	'	'	'	'
Allowance for loan losses	-540	-1,236	-1,422	-1,657
Indirect consumer [Member]	'	'	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'	'
Loans and Leases Receivable, Gross, Carrying Amount	13,041	16,211	'	'
Less:	'	'	'	'
Allowance for loan losses	($77)	($271)	($397)	($796)

LOANS_Details_1

LOANS (Details 1) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'
Beginning Balance	$17,265	$17,181	$22,665
Provision for loan losses	-3,086	6,797	21,210
Allowance associated with probable branch divestiture and probable loan sale	'	'	-283
Charge-offs	-5,027	-7,164	-26,952
Recoveries	424	451	541
Total ending allowance balance	9,576	17,265	17,181
Commercial Loan [Member]	'	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'
Beginning Balance	1,236	1,422	1,657
Provision for loan losses	-587	32	786
Allowance associated with probable branch divestiture and probable loan sale	'	'	-1
Charge-offs	-166	-313	-1,093
Recoveries	57	95	73
Total ending allowance balance	540	1,236	1,422
Commercial Real Estate [Member]	'	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'
Beginning Balance	14,815	13,830	18,753
Provision for loan losses	-2,396	7,114	19,798
Allowance associated with probable branch divestiture and probable loan sale	'	'	-5
Charge-offs	-4,215	-6,295	-24,987
Recoveries	154	166	271
Total ending allowance balance	8,358	14,815	13,830
Residential Mortgage [Member]	'	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'
Beginning Balance	501	922	751
Provision for loan losses	77	-333	837
Allowance associated with probable branch divestiture and probable loan sale	'	'	-236
Charge-offs	-318	-88	-438
Recoveries	32	0	8
Total ending allowance balance	292	501	922
Consumer and Home Equity [Member]	'	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'
Beginning Balance	442	610	708
Provision for loan losses	32	59	107
Allowance associated with probable branch divestiture and probable loan sale	'	'	-41
Charge-offs	-210	-249	-246
Recoveries	45	22	82
Total ending allowance balance	309	442	610
Indirect Consumer [Member]	'	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'
Beginning Balance	271	397	796
Provision for loan losses	-212	-75	-318
Allowance associated with probable branch divestiture and probable loan sale	'	'	0
Charge-offs	-118	-219	-188
Recoveries	136	168	107
Total ending allowance balance	$77	$271	$397

LOANS_Details_2

LOANS (Details 2) (USD $)	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011	Dec. 31, 2010
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011	Dec. 31, 2010
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'	'
Individually evaluated for impairment	$2,786	$7,982	'	'
Collectively evaluated for impairment	6,790	9,283	'	'
Total ending allowance balance	9,576	17,265	17,181	22,665
Loans individually evaluated for impairment	37,311	44,985	'	'
Loans collectively evaluated for impairment	429,641	479,955	'	'
Total ending loans balance	466,952	524,940	'	'
Commercial Loan [Member]	'	'	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'	'
Individually evaluated for impairment	148	252	'	'
Collectively evaluated for impairment	392	984	'	'
Total ending allowance balance	540	1,236	1,422	1,657
Loans individually evaluated for impairment	803	1,071	'	'
Loans collectively evaluated for impairment	19,818	18,860	'	'
Total ending loans balance	20,621	19,931	'	'
Commercial Real Estate [Member]	'	'	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'	'
Individually evaluated for impairment	2,603	7,593	'	'
Collectively evaluated for impairment	5,755	7,222	'	'
Total ending allowance balance	8,358	14,815	13,830	18,753
Loans individually evaluated for impairment	32,911	43,513	'	'
Loans collectively evaluated for impairment	247,025	277,372	'	'
Total ending loans balance	279,936	320,885	'	'
Residential Mortgage [Member]	'	'	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'	'
Individually evaluated for impairment	3	86	'	'
Collectively evaluated for impairment	289	415	'	'
Total ending allowance balance	292	501	922	751
Loans individually evaluated for impairment	3,051	213	'	'
Loans collectively evaluated for impairment	96,293	109,812	'	'
Total ending loans balance	99,344	110,025	'	'
Consumer and Home Equity[Member]	'	'	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'	'
Individually evaluated for impairment	32	51	'	'
Collectively evaluated for impairment	277	391	'	'
Total ending allowance balance	309	442	'	'
Loans individually evaluated for impairment	546	188	'	'
Loans collectively evaluated for impairment	53,464	57,700	'	'
Total ending loans balance	54,010	57,888	'	'
Indirect Consumer [Member]	'	'	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'	'
Individually evaluated for impairment	0	0	'	'
Collectively evaluated for impairment	77	271	'	'
Total ending allowance balance	77	271	397	796
Loans individually evaluated for impairment	0	0	'	'
Loans collectively evaluated for impairment	13,041	16,211	'	'
Total ending loans balance	$13,041	$16,211	'	'

LOANS_Details_3

LOANS (Details 3) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'
Impaired Financing Receivable With Related Allowance Unpaid Principal Balance	$41,509	$51,593	$79,151
Impaired Financing Receivable With Related Allowance Recorded Investment	37,311	44,985	66,572
Impaired Financing Receivable, Allowance for Loan Losses Allocated	2,786	7,982	4,442
Impaired Financing Receivable, With Related Allowance, Average Recorded Investment	44,394	57,430	85,986
Impaired Financing Receivable, With Related Allowance, Interest Income Recognized	1,826	2,179	3,032
Impaired Financing Receivable, With Related Allowance, Interest Income, Cash Basis Recognized	1,826	2,179	3,032
Commercial Loan [Member]	'	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'
Impaired Financing Receivable With No Related Allowance Unpaid Principal Balance	679	588	2,154
Impaired Financing Receivable With No Related Allowance Recorded Investment	475	588	2,154
Impaired Financing Receivable, With No Related Allowance, Average Recorded Investment	747	1,070	1,808
Impaired Financing Receivable, With No Related Allowance, Interest Income Recognized	21	39	86
Impaired Financing Receivable, With No Related Allowance, Interest Income, Cash Basis Interest Recognized	21	39	86
Impaired Financing Receivable With Related Allowance Unpaid Principal Balance	328	483	1,076
Impaired Financing Receivable With Related Allowance Recorded Investment	328	483	1,076
Impaired Financing Receivable, Allowance for Loan Losses Allocated	148	252	410
Impaired Financing Receivable, With Related Allowance, Average Recorded Investment	314	564	1,210
Impaired Financing Receivable, With Related Allowance, Interest Income Recognized	9	21	57
Impaired Financing Receivable, With Related Allowance, Interest Income, Cash Basis Recognized	9	21	57
Land Improvements [Member]	'	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'
Impaired Financing Receivable With No Related Allowance Unpaid Principal Balance	2,014	5,595	12,719
Impaired Financing Receivable With No Related Allowance Recorded Investment	1,989	4,873	7,124
Impaired Financing Receivable, With No Related Allowance, Average Recorded Investment	2,898	5,728	8,336
Impaired Financing Receivable, With No Related Allowance, Interest Income Recognized	139	237	203
Impaired Financing Receivable, With No Related Allowance, Interest Income, Cash Basis Interest Recognized	139	237	203
Impaired Financing Receivable With Related Allowance Unpaid Principal Balance	2,206	2,674	2,952
Impaired Financing Receivable With Related Allowance Recorded Investment	2,206	2,674	2,952
Impaired Financing Receivable, Allowance for Loan Losses Allocated	1,581	899	442
Impaired Financing Receivable, With Related Allowance, Average Recorded Investment	2,538	2,436	8,438
Impaired Financing Receivable, With Related Allowance, Interest Income Recognized	121	101	206
Impaired Financing Receivable, With Related Allowance, Interest Income, Cash Basis Recognized	121	101	206
Buildings Lot [Member]	'	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'
Impaired Financing Receivable With No Related Allowance Unpaid Principal Balance	477	477	3,662
Impaired Financing Receivable With No Related Allowance Recorded Investment	212	212	1,305
Impaired Financing Receivable, With No Related Allowance, Average Recorded Investment	212	810	522
Impaired Financing Receivable, With No Related Allowance, Interest Income Recognized	0	14	2
Impaired Financing Receivable, With No Related Allowance, Interest Income, Cash Basis Interest Recognized	0	14	2
Impaired Financing Receivable With Related Allowance Unpaid Principal Balance	0	0	477
Impaired Financing Receivable With Related Allowance Recorded Investment	0	0	477
Impaired Financing Receivable, Allowance for Loan Losses Allocated	0	0	265
Impaired Financing Receivable, With Related Allowance, Average Recorded Investment	0	191	1,894
Impaired Financing Receivable, With Related Allowance, Interest Income Recognized	0	3	6
Impaired Financing Receivable, With Related Allowance, Interest Income, Cash Basis Recognized	0	3	6
Commercial Real Estate Other Receivable [Member]	'	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'
Impaired Financing Receivable With No Related Allowance Unpaid Principal Balance	25,441	22,121	36,475
Impaired Financing Receivable With No Related Allowance Recorded Investment	21,864	16,500	32,337
Impaired Financing Receivable, With No Related Allowance, Average Recorded Investment	17,934	25,051	37,038
Impaired Financing Receivable, With No Related Allowance, Interest Income Recognized	754	961	1,471
Impaired Financing Receivable, With No Related Allowance, Interest Income, Cash Basis Interest Recognized	754	961	1,471
Impaired Financing Receivable With Related Allowance Unpaid Principal Balance	6,640	19,254	17,518
Impaired Financing Receivable With Related Allowance Recorded Investment	6,640	19,254	17,150
Impaired Financing Receivable, Allowance for Loan Losses Allocated	1,021	6,694	2,696
Impaired Financing Receivable, With Related Allowance, Average Recorded Investment	16,512	20,075	24,697
Impaired Financing Receivable, With Related Allowance, Interest Income Recognized	694	772	982
Impaired Financing Receivable, With Related Allowance, Interest Income, Cash Basis Recognized	694	772	982
Residential Mortgage [Member]	'	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'
Impaired Financing Receivable With No Related Allowance Unpaid Principal Balance	3,119	0	0
Impaired Financing Receivable With No Related Allowance Recorded Investment	2,992	0	0
Impaired Financing Receivable, With No Related Allowance, Average Recorded Investment	2,368	0	0
Impaired Financing Receivable, With No Related Allowance, Interest Income Recognized	63	0	0
Impaired Financing Receivable, With No Related Allowance, Interest Income, Cash Basis Interest Recognized	63	0	0
Impaired Financing Receivable With Related Allowance Unpaid Principal Balance	59	213	1,802
Impaired Financing Receivable With Related Allowance Recorded Investment	59	213	1,681
Impaired Financing Receivable, Allowance for Loan Losses Allocated	3	86	481
Impaired Financing Receivable, With Related Allowance, Average Recorded Investment	312	1,191	1,648
Impaired Financing Receivable, With Related Allowance, Interest Income Recognized	8	24	19
Impaired Financing Receivable, With Related Allowance, Interest Income, Cash Basis Recognized	8	24	19
Consumer and Home Equity [Member]	'	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'
Impaired Financing Receivable With No Related Allowance Unpaid Principal Balance	478	0	0
Impaired Financing Receivable With No Related Allowance Recorded Investment	478	0	0
Impaired Financing Receivable, With No Related Allowance, Average Recorded Investment	330	0	0
Impaired Financing Receivable, With No Related Allowance, Interest Income Recognized	10	0	0
Impaired Financing Receivable, With No Related Allowance, Interest Income, Cash Basis Interest Recognized	10	0	0
Impaired Financing Receivable With Related Allowance Unpaid Principal Balance	68	188	193
Impaired Financing Receivable With Related Allowance Recorded Investment	68	188	193
Impaired Financing Receivable, Allowance for Loan Losses Allocated	33	51	109
Impaired Financing Receivable, With Related Allowance, Average Recorded Investment	229	260	261
Impaired Financing Receivable, With Related Allowance, Interest Income Recognized	7	6	0
Impaired Financing Receivable, With Related Allowance, Interest Income, Cash Basis Recognized	7	6	0
Indirect Consumer [Member]	'	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'
Impaired Financing Receivable With No Related Allowance Unpaid Principal Balance	0	0	0
Impaired Financing Receivable With No Related Allowance Recorded Investment	0	0	0
Impaired Financing Receivable, With No Related Allowance, Average Recorded Investment	0	0	0
Impaired Financing Receivable, With No Related Allowance, Interest Income Recognized	0	0	0
Impaired Financing Receivable, With No Related Allowance, Interest Income, Cash Basis Interest Recognized	0	0	0
Impaired Financing Receivable With Related Allowance Unpaid Principal Balance	0	0	123
Impaired Financing Receivable With Related Allowance Recorded Investment	0	0	123
Impaired Financing Receivable, Allowance for Loan Losses Allocated	0	0	39
Impaired Financing Receivable, With Related Allowance, Average Recorded Investment	0	54	134
Impaired Financing Receivable, With Related Allowance, Interest Income Recognized	0	1	0
Impaired Financing Receivable, With Related Allowance, Interest Income, Cash Basis Recognized	$0	$1	$0

LOANS_Details_4

LOANS (Details 4) (USD $)	Dec. 31, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Restructured on Non-Accrual Status	$1,310	$9,753
Restructured on Accrual Status	18,963	22,851
Restructured Loans Past Due Over 90 Days Still Accruing	4,780	0
Loans Past Due Over 90 Days Still Accruing	2,226	0
Non-Accrual Excluding Restructured	9,096	11,702
Commercial Loan [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Restructured on Non-Accrual Status	0	31
Restructured on Accrual Status	178	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	421	562
Land Improvements [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Restructured on Non-Accrual Status	0	675
Restructured on Accrual Status	1,687	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
Buiding Lots [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
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]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Restructured on Non-Accrual Status	986	9,047
Restructured on Accrual Status	17,025	19,080
Restructured Loans Past Due Over 90 Days Still Accruing	4,780	0
Loans Past Due Over 90 Days Still Accruing	2,226	0
Non-Accrual Excluding Restructured	6,443	9,356
Residential Mortgage [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Restructured on Non-Accrual Status	301	0
Restructured on Accrual Status	0	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	1,532	827
Consumer and Home Equity [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Restructured on Non-Accrual Status	23	0
Restructured on Accrual Status	73	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	156	37
Indirect Consumer [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
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	$30	$13

LOANS_Details_5

LOANS (Details 5) (USD $)	Dec. 31, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Financing Receivable, Recorded Investment, 30 to 59 Days Past Due	$7,337	$5,810
Financing Receivable, Recorded Investment, 60 to 89 Days Past Due	6,802	2,714
Financing Receivable, Recorded Investment, Equal to Greater than 90 Days Past Due	15,569	16,336
Financing Receivable, Recorded Investment, Total Past Due	29,708	24,860
Financing Receivable, Recorded Investment, Loans Not Past Due	437,244	500,080
Loans and Leases Receivable, Gross, Carrying Amount	466,952	524,940
Commercial Loan [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
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	421	562
Financing Receivable, Recorded Investment, Total Past Due	421	657
Financing Receivable, Recorded Investment, Loans Not Past Due	20,200	19,274
Loans and Leases Receivable, Gross, Carrying Amount	20,621	19,931
Land Improvements [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Financing Receivable, Recorded Investment, 30 to 59 Days Past Due	0	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	302	1,589
Financing Receivable, Recorded Investment, Loans Not Past Due	20,174	26,721
Loans and Leases Receivable, Gross, Carrying Amount	20,476	28,310
Buiding Lots [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
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	1,347	1,939
Loans and Leases Receivable, Gross, Carrying Amount	1,559	2,151
Commercial Real Estate Other Receivable [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Financing Receivable, Recorded Investment, 30 to 59 Days Past Due	5,250	1,264
Financing Receivable, Recorded Investment, 60 to 89 Days Past Due	6,213	1,239
Financing Receivable, Recorded Investment, Equal to Greater than 90 Days Past Due	13,442	13,449
Financing Receivable, Recorded Investment, Total Past Due	24,905	15,952
Financing Receivable, Recorded Investment, Loans Not Past Due	232,996	274,472
Loans and Leases Receivable, Gross, Carrying Amount	257,901	290,424
Residential Mortgage [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Financing Receivable, Recorded Investment, 30 to 59 Days Past Due	1,446	3,588
Financing Receivable, Recorded Investment, 60 to 89 Days Past Due	511	995
Financing Receivable, Recorded Investment, Equal to Greater than 90 Days Past Due	1,053	827
Financing Receivable, Recorded Investment, Total Past Due	3,010	5,410
Financing Receivable, Recorded Investment, Loans Not Past Due	96,334	104,615
Loans and Leases Receivable, Gross, Carrying Amount	99,344	110,025
Consumer and Home Equity [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Financing Receivable, Recorded Investment, 30 to 59 Days Past Due	430	351
Financing Receivable, Recorded Investment, 60 to 89 Days Past Due	23	255
Financing Receivable, Recorded Investment, Equal to Greater than 90 Days Past Due	117	45
Financing Receivable, Recorded Investment, Total Past Due	570	651
Financing Receivable, Recorded Investment, Loans Not Past Due	53,440	57,237
Loans and Leases Receivable, Gross, Carrying Amount	54,010	57,888
Indirect Consumer [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Financing Receivable, Recorded Investment, 30 to 59 Days Past Due	211	246
Financing Receivable, Recorded Investment, 60 to 89 Days Past Due	55	130
Financing Receivable, Recorded Investment, Equal to Greater than 90 Days Past Due	22	13
Financing Receivable, Recorded Investment, Total Past Due	288	389
Financing Receivable, Recorded Investment, Loans Not Past Due	12,753	15,822
Loans and Leases Receivable, Gross, Carrying Amount	$13,041	$16,211

LOANS_Details_6

LOANS (Details 6) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
	Number	Number
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Financing Receivable, Number of Loans	7	13
Financing Receivable, Pre-Modification Outstanding Recorded Investment	$3,558	$10,464
Financing Receivable, Post-Modification Outstanding Recorded Investment	3,558	10,323
Commercial Loan [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Financing Receivable, Number of Loans	0	2
Financing Receivable, Pre-Modification Outstanding Recorded Investment	0	58
Financing Receivable, Post-Modification Outstanding Recorded Investment	0	58
Land Improvements [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Financing Receivable, Number of Loans	0	3
Financing Receivable, Pre-Modification Outstanding Recorded Investment	0	3,727
Financing Receivable, Post-Modification Outstanding Recorded Investment	0	3,586
Buiding Lots [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Financing Receivable, Number of Loans	0	2
Financing Receivable, Pre-Modification Outstanding Recorded Investment	0	171
Financing Receivable, Post-Modification Outstanding Recorded Investment	0	171
Commercial Real Estate Other Receivable [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Financing Receivable, Number of Loans	5	6
Financing Receivable, Pre-Modification Outstanding Recorded Investment	3,485	6,508
Financing Receivable, Post-Modification Outstanding Recorded Investment	3,485	6,508
Residential Mortgage [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Financing Receivable, Number of Loans	0	0
Financing Receivable, Pre-Modification Outstanding Recorded Investment	0	0
Financing Receivable, Post-Modification Outstanding Recorded Investment	0	0
Consumer and Home Equity [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Financing Receivable, Number of Loans	2	0
Financing Receivable, Pre-Modification Outstanding Recorded Investment	73	0
Financing Receivable, Post-Modification Outstanding Recorded Investment	73	0
Indirect Consumer [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Financing Receivable, Number of Loans	0	0
Financing Receivable, Pre-Modification Outstanding Recorded Investment	0	0
Financing Receivable, Post-Modification Outstanding Recorded Investment	$0	$0

LOANS_Details_7

LOANS (Details 7) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
	Number	Number
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Troubled debt restructurings, Number of Loans	1	3
Troubled debt restructurings, Recorded investment	$4,780	$10,393
Commercial Loan [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Troubled debt restructurings, Number of Loans	0	0
Troubled debt restructurings, Recorded investment	0	0
Land Improvements [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Troubled debt restructurings, Number of Loans	0	2
Troubled debt restructurings, Recorded investment	0	2,862
Building Lots [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Troubled debt restructurings, Number of Loans	0	0
Troubled debt restructurings, Recorded investment	0	0
Commercial Real Estate Other Receivable [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Troubled debt restructurings, Number of Loans	1	1
Troubled debt restructurings, Recorded investment	4,780	7,531
Residential Mortgage [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Troubled debt restructurings, Number of Loans	0	0
Troubled debt restructurings, Recorded investment	0	0
Consumer and Home Equity [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Troubled debt restructurings, Number of Loans	0	0
Troubled debt restructurings, Recorded investment	0	0
Indirect Consumer [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Troubled debt restructurings, Number of Loans	'	0
Troubled debt restructurings, Recorded investment	$0	$0

LOANS_Details_8

LOANS (Details 8) (USD $)	Dec. 31, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Class of loans	$466,952	$524,940
Not Rated [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Class of loans	161,746	177,870
Pass [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Class of loans	249,398	271,881
Criticized [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Class of loans	18,329	24,869
Substandard [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Class of loans	37,479	50,320
Doubtful [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Class of loans	0	0
Loss [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Class of loans	0	0
Commercial Loan [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Class of loans	20,621	19,931
Commercial Loan [Member] \| Not Rated [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Class of loans	0	0
Commercial Loan [Member] \| Pass [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Class of loans	19,289	16,736
Commercial Loan [Member] \| Criticized [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Class of loans	470	2,000
Commercial Loan [Member] \| Substandard [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Class of loans	862	1,195
Commercial Loan [Member] \| Doubtful [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Class of loans	0	0
Commercial Loan [Member] \| Loss [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Class of loans	0	0
Land Improvements [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Class of loans	20,476	28,310
Land Improvements [Member] \| Not Rated [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Class of loans	0	0
Land Improvements [Member] \| Pass [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Class of loans	15,484	17,744
Land Improvements [Member] \| Criticized [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Class of loans	2,484	3,059
Land Improvements [Member] \| Substandard [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Class of loans	2,508	7,507
Land Improvements [Member] \| Doubtful [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Class of loans	0	0
Land Improvements [Member] \| Loss [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Class of loans	0	0
Buildings Lot [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Class of loans	1,559	2,151
Buildings Lot [Member] \| Not Rated [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Class of loans	0	0
Buildings Lot [Member] \| Pass [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Class of loans	906	1,447
Buildings Lot [Member] \| Criticized [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Class of loans	441	492
Buildings Lot [Member] \| Substandard [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Class of loans	212	212
Buildings Lot [Member] \| Doubtful [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Class of loans	0	0
Buildings Lot [Member] \| Loss [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Class of loans	0	0
Commercial Real Estate Other Receivable [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Class of loans	257,901	290,424
Commercial Real Estate Other Receivable [Member] \| Not Rated [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Class of loans	0	0
Commercial Real Estate Other Receivable [Member] \| Pass [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Class of loans	213,719	235,954
Commercial Real Estate Other Receivable [Member] \| Criticized [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Class of loans	13,920	18,297
Commercial Real Estate Other Receivable [Member] \| Substandard [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Class of loans	30,262	36,173
Commercial Real Estate Other Receivable [Member] \| Doubtful [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Class of loans	0	0
Commercial Real Estate Other Receivable [Member] \| Loss [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Class of loans	0	0
Residential Mortgage [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Class of loans	99,344	110,025
Residential Mortgage [Member] \| Not Rated [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Class of loans	95,351	105,148
Residential Mortgage [Member] \| Pass [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Class of loans	0	0
Residential Mortgage [Member] \| Criticized [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Class of loans	942	442
Residential Mortgage [Member] \| Substandard [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Class of loans	3,051	4,435
Residential Mortgage [Member] \| Doubtful [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Class of loans	0	0
Residential Mortgage [Member] \| Loss [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Class of loans	0	0
Consumer and Home Equity [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Class of loans	54,010	57,888
Consumer and Home Equity [Member] \| Not Rated [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Class of loans	53,407	56,593
Consumer and Home Equity [Member] \| Pass [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Class of loans	0	0
Consumer and Home Equity [Member] \| Criticized [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Class of loans	72	569
Consumer and Home Equity [Member] \| Substandard [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Class of loans	531	726
Consumer and Home Equity [Member] \| Doubtful [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Class of loans	0	0
Consumer and Home Equity [Member] \| Loss [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Class of loans	0	0
Indirect Consumer [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Class of loans	13,041	16,211
Indirect Consumer [Member] \| Not Rated [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Class of loans	12,988	16,129
Indirect Consumer [Member] \| Pass [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Class of loans	0	0
Indirect Consumer [Member] \| Criticized [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Class of loans	0	10
Indirect Consumer [Member] \| Substandard [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Class of loans	53	72
Indirect Consumer [Member] \| Doubtful [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Class of loans	0	0
Indirect Consumer [Member] \| Loss [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Class of loans	$0	$0

LOANS_Details_9

LOANS (Details 9) (USD $)	Dec. 31, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Performing	$466,952	$524,940
Restructured on non-accrual	1,310	9,753
Non-accrual	9,096	11,702
Residential Mortgage [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Performing	99,344	110,025
Restructured on non-accrual	301	0
Non-accrual	1,532	827
Residential Mortgage [Member] \| Performing Financing Receivable [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Performing	97,511	109,198
Restructured on non-accrual	301	0
Non-accrual	1,532	827
Consumer and Home Equity [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Performing	54,010	57,888
Restructured on non-accrual	23	0
Non-accrual	156	37
Consumer and Home Equity [Member] \| Performing Financing Receivable [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Performing	53,831	57,851
Restructured on non-accrual	23	0
Non-accrual	156	37
Indirect Consumer [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Performing	13,041	16,211
Restructured on non-accrual	0	0
Non-accrual	30	13
Indirect Consumer [Member] \| Performing Financing Receivable [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Performing	13,011	16,198
Restructured on non-accrual	0	0
Non-accrual	$30	$13

LOANS_Details_Textual

LOANS (Details Textual) (USD $)	12 Months Ended
LOANS (Details Textual) (USD $)	Dec. 31, 2013	Dec. 31, 2012
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Financing Receivable, Individually Evaluated for Impairment	$37,311,000	$44,985,000
Residential Mortgage Loans Pledged As Collateral	41,000,000	50,000,000
Troubled Debt Restructurings [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Financing Receivable, Individually Evaluated for Impairment	1,100,000	3,100,000
Allowance for Loan and Lease Losses, Period Increase (Decrease)	53,000	197,000
Troubled Debt Restructurings Subsequently Default [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Increase in Provision For Loan And Lease Losses	1,600,000	2,200,000
Allowance for Doubtful Accounts Receivable, Write-offs	0	141,000
Troubled Debt Restructurings Subsequently Default [Member] \| Collateralized Loan Obligations [Member] \| Four Securities [Member] \| Subsequent Event [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Provision For Loan Losses Expensed Reversal	$111,000	'

REAL_ESTATE_ACQUIRED_THROUGH_F2

REAL ESTATE ACQUIRED THROUGH FORECLOSURE (Details) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Beginning balance, January 1,	$22,286	$29,083	$25,807
Additions	8,713	18,100	19,416
Net proceeds from sale of properties	-17,076	-19,250	-6,877
Writedowns	-2,815	-5,147	-9,263
Change in valuation allowance	-81	-500	0
Ending balance	$11,657	$22,286	$29,083

REAL_ESTATE_ACQUIRED_THROUGH_F3

REAL ESTATE ACQUIRED THROUGH FORECLOSURE (Details 1) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Beginning balance	$500	$0
Provision	427	500
Writedowns and loss on sale	-346	0
Ending balance	$581	$500

REAL_ESTATE_ACQUIRED_THROUGH_F4

REAL ESTATE ACQUIRED THROUGH FORECLOSURE (Details Textual) (USD $)	12 Months Ended
In Millions, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Property Management Costs	$1.80	$3.70	$1.90
Loss on Contract Termination	'	$1.50	'

FAIR_VALUE_Details

FAIR VALUE (Details) (USD $)	Dec. 31, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'	'
Securities available-for-sale	$269,282	$354,131
Fair Value, Inputs, Level 1 [Member]	'	'
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'	'
Securities available-for-sale	10,768	0
Fair Value, Inputs, Level 2 [Member]	'	'
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'	'
Securities available-for-sale	258,514	354,131
Fair Value, Inputs, Level 3 [Member]	'	'
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'	'
Securities available-for-sale	0	0
U.S. Treasury and Agencies [Member]	'	'
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'	'
Securities available-for-sale	'	8,278
U.S. Treasury and Agencies [Member] \| Fair Value, Inputs, Level 1 [Member]	'	'
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'	'
Securities available-for-sale	'	0
U.S. Treasury and Agencies [Member] \| Fair Value, Inputs, Level 2 [Member]	'	'
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'	'
Securities available-for-sale	'	8,278
U.S. Treasury and Agencies [Member] \| Fair Value, Inputs, Level 3 [Member]	'	'
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'	'
Securities available-for-sale	'	0
Government-sponsored collateralized mortgage obligations [Member]	'	'
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'	'
Securities available-for-sale	100,816	150,147
Government-sponsored collateralized mortgage obligations [Member] \| Fair Value, Inputs, Level 1 [Member]	'	'
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'	'
Securities available-for-sale	0	0
Government-sponsored collateralized mortgage obligations [Member] \| Fair Value, Inputs, Level 2 [Member]	'	'
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'	'
Securities available-for-sale	100,816	150,147
Government-sponsored collateralized mortgage obligations [Member] \| Fair Value, Inputs, Level 3 [Member]	'	'
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'	'
Securities available-for-sale	0	0
Government-sponsored mortgage-backed residential [Member]	'	'
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'	'
Securities available-for-sale	74,324	144,889
Government-sponsored mortgage-backed residential [Member] \| Fair Value, Inputs, Level 1 [Member]	'	'
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'	'
Securities available-for-sale	0	0
Government-sponsored mortgage-backed residential [Member] \| Fair Value, Inputs, Level 2 [Member]	'	'
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'	'
Securities available-for-sale	74,324	144,889
Government-sponsored mortgage-backed residential [Member] \| Fair Value, Inputs, Level 3 [Member]	'	'
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'	'
Securities available-for-sale	0	0
Corporate bonds [Member]	'	'
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'	'
Securities available-for-sale	43,698	32,967
Corporate bonds [Member] \| Fair Value, Inputs, Level 1 [Member]	'	'
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'	'
Securities available-for-sale	10,768	0
Corporate bonds [Member] \| Fair Value, Inputs, Level 2 [Member]	'	'
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'	'
Securities available-for-sale	32,930	32,967
Corporate bonds [Member] \| Fair Value, Inputs, Level 3 [Member]	'	'
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'	'
Securities available-for-sale	0	0
Private Asset Backed [Member]	'	'
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'	'
Securities available-for-sale	'	5,132
Private Asset Backed [Member] \| Fair Value, Inputs, Level 1 [Member]	'	'
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'	'
Securities available-for-sale	'	0
Private Asset Backed [Member] \| Fair Value, Inputs, Level 2 [Member]	'	'
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'	'
Securities available-for-sale	'	5,132
Private Asset Backed [Member] \| Fair Value, Inputs, Level 3 [Member]	'	'
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'	'
Securities available-for-sale	'	0
State and municipal [Member]	'	'
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'	'
Securities available-for-sale	11,923	12,718
State and municipal [Member] \| Fair Value, Inputs, Level 1 [Member]	'	'
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'	'
Securities available-for-sale	0	0
State and municipal [Member] \| Fair Value, Inputs, Level 2 [Member]	'	'
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'	'
Securities available-for-sale	11,923	12,718
State and municipal [Member] \| Fair Value, Inputs, Level 3 [Member]	'	'
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'	'
Securities available-for-sale	0	0
Commercial Mortgage Backed [Member]	'	'
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'	'
Securities available-for-sale	4,043	'
Commercial Mortgage Backed [Member] \| Fair Value, Inputs, Level 1 [Member]	'	'
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'	'
Securities available-for-sale	0	'
Commercial Mortgage Backed [Member] \| Fair Value, Inputs, Level 2 [Member]	'	'
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'	'
Securities available-for-sale	4,043	'
Commercial Mortgage Backed [Member] \| Fair Value, Inputs, Level 3 [Member]	'	'
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'	'
Securities available-for-sale	0	'
Asset-backed Securities, Securitized Loans and Receivables [Member]	'	'
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'	'
Securities available-for-sale	34,478	'
Asset-backed Securities, Securitized Loans and Receivables [Member] \| Fair Value, Inputs, Level 1 [Member]	'	'
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'	'
Securities available-for-sale	0	'
Asset-backed Securities, Securitized Loans and Receivables [Member] \| Fair Value, Inputs, Level 2 [Member]	'	'
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'	'
Securities available-for-sale	34,478	'
Asset-backed Securities, Securitized Loans and Receivables [Member] \| Fair Value, Inputs, Level 3 [Member]	'	'
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'	'
Securities available-for-sale	$0	'

FAIR_VALUE_Details_1

FAIR VALUE (Details 1) (Corporate Bond Securities [Member], USD $)	Dec. 31, 2013
In Thousands, unless otherwise specified	Dec. 31, 2013
Corporate Bond Securities [Member]	'
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'
Transfer from Level 2 to Level 1: Corporate bonds	$5,103

FAIR_VALUE_Details_2

FAIR VALUE (Details 2) (Fair Value, Inputs, Level 3 [Member], USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2012
Fair Value, Inputs, Level 3 [Member]	'
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'
Beginning balance	$264
Total gains or losses:	'
Impairment charges on securities	0
Included in other comprehensive income	18
Purchases	0
Sales or calls	-282
Settlements	0
Transfers in and/or out of Level 3	0
Ending balance	$0

FAIR_VALUE_Details_3

FAIR VALUE (Details 3) (Fair Value, Inputs, Level 3 [Member], USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2011
Fair Value, Inputs, Level 3 [Member]	'
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'
Interest income on securities	$0
Other changes in fair value	83
Total	$83

FAIR_VALUE_Details_4

FAIR VALUE (Details 4) (USD $)	Dec. 31, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Impaired Loans [Member] \| Commercial Loan [Member]	'	'
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'	'
Assets, Fair Value Disclosure, Nonrecurring	$180	$231
Impaired Loans [Member] \| Commercial Loan [Member] \| Fair Value, Inputs, Level 1 [Member]	'	'
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'	'
Assets, Fair Value Disclosure, Nonrecurring	0	0
Impaired Loans [Member] \| Commercial Loan [Member] \| Fair Value, Inputs, Level 2 [Member]	'	'
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'	'
Assets, Fair Value Disclosure, Nonrecurring	0	0
Impaired Loans [Member] \| Commercial Loan [Member] \| Fair Value, Inputs, Level 3 [Member]	'	'
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'	'
Assets, Fair Value Disclosure, Nonrecurring	180	231
Impaired Loans [Member] \| Land Improvements [Member]	'	'
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'	'
Assets, Fair Value Disclosure, Nonrecurring	625	1,775
Impaired Loans [Member] \| Land Improvements [Member] \| Fair Value, Inputs, Level 1 [Member]	'	'
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'	'
Assets, Fair Value Disclosure, Nonrecurring	0	0
Impaired Loans [Member] \| Land Improvements [Member] \| Fair Value, Inputs, Level 2 [Member]	'	'
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'	'
Assets, Fair Value Disclosure, Nonrecurring	0	0
Impaired Loans [Member] \| Land Improvements [Member] \| Fair Value, Inputs, Level 3 [Member]	'	'
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'	'
Assets, Fair Value Disclosure, Nonrecurring	625	1,775
Impaired Loans [Member] \| Impaired Loans Other [Member]	'	'
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'	'
Assets, Fair Value Disclosure, Nonrecurring	5,619	12,560
Impaired Loans [Member] \| Impaired Loans Other [Member] \| Fair Value, Inputs, Level 1 [Member]	'	'
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'	'
Assets, Fair Value Disclosure, Nonrecurring	0	0
Impaired Loans [Member] \| Impaired Loans Other [Member] \| Fair Value, Inputs, Level 2 [Member]	'	'
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'	'
Assets, Fair Value Disclosure, Nonrecurring	0	0
Impaired Loans [Member] \| Impaired Loans Other [Member] \| Fair Value, Inputs, Level 3 [Member]	'	'
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'	'
Assets, Fair Value Disclosure, Nonrecurring	5,619	12,560
Impaired Loans [Member] \| Residential Mortgage [Member]	'	'
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'	'
Assets, Fair Value Disclosure, Nonrecurring	56	127
Impaired Loans [Member] \| Residential Mortgage [Member] \| Fair Value, Inputs, Level 1 [Member]	'	'
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'	'
Assets, Fair Value Disclosure, Nonrecurring	0	0
Impaired Loans [Member] \| Residential Mortgage [Member] \| Fair Value, Inputs, Level 2 [Member]	'	'
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'	'
Assets, Fair Value Disclosure, Nonrecurring	0	0
Impaired Loans [Member] \| Residential Mortgage [Member] \| Fair Value, Inputs, Level 3 [Member]	'	'
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'	'
Assets, Fair Value Disclosure, Nonrecurring	56	127
Impaired Loans [Member] \| Consumer and Home Equity [Member]	'	'
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'	'
Assets, Fair Value Disclosure, Nonrecurring	35	137
Impaired Loans [Member] \| Consumer and Home Equity [Member] \| Fair Value, Inputs, Level 1 [Member]	'	'
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'	'
Assets, Fair Value Disclosure, Nonrecurring	0	0
Impaired Loans [Member] \| Consumer and Home Equity [Member] \| Fair Value, Inputs, Level 2 [Member]	'	'
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'	'
Assets, Fair Value Disclosure, Nonrecurring	0	0
Impaired Loans [Member] \| Consumer and Home Equity [Member] \| Fair Value, Inputs, Level 3 [Member]	'	'
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'	'
Assets, Fair Value Disclosure, Nonrecurring	35	137
Real Estate Acquired through Foreclosure [Member] \| Land Improvements [Member]	'	'
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'	'
Assets, Fair Value Disclosure, Nonrecurring	947	2,459
Real Estate Acquired through Foreclosure [Member] \| Land Improvements [Member] \| Fair Value, Inputs, Level 1 [Member]	'	'
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'	'
Assets, Fair Value Disclosure, Nonrecurring	0	0
Real Estate Acquired through Foreclosure [Member] \| Land Improvements [Member] \| Fair Value, Inputs, Level 2 [Member]	'	'
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'	'
Assets, Fair Value Disclosure, Nonrecurring	0	0
Real Estate Acquired through Foreclosure [Member] \| Land Improvements [Member] \| Fair Value, Inputs, Level 3 [Member]	'	'
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'	'
Assets, Fair Value Disclosure, Nonrecurring	947	2,459
Real Estate Acquired through Foreclosure [Member] \| Buiding Lots [Member]	'	'
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'	'
Assets, Fair Value Disclosure, Nonrecurring	'	2,220
Real Estate Acquired through Foreclosure [Member] \| Buiding Lots [Member] \| Fair Value, Inputs, Level 1 [Member]	'	'
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'	'
Assets, Fair Value Disclosure, Nonrecurring	'	0
Real Estate Acquired through Foreclosure [Member] \| Buiding Lots [Member] \| Fair Value, Inputs, Level 2 [Member]	'	'
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'	'
Assets, Fair Value Disclosure, Nonrecurring	'	0
Real Estate Acquired through Foreclosure [Member] \| Buiding Lots [Member] \| Fair Value, Inputs, Level 3 [Member]	'	'
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'	'
Assets, Fair Value Disclosure, Nonrecurring	'	2,220
Real Estate Acquired through Foreclosure [Member] \| Commercial Real Estate Other Receivable [Member]	'	'
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'	'
Assets, Fair Value Disclosure, Nonrecurring	2,667	8,350
Real Estate Acquired through Foreclosure [Member] \| Commercial Real Estate Other Receivable [Member] \| Fair Value, Inputs, Level 1 [Member]	'	'
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'	'
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]	'	'
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'	'
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]	'	'
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'	'
Assets, Fair Value Disclosure, Nonrecurring	2,667	8,350
Real Estate Acquired through Foreclosure [Member] \| Residential Mortgage [Member]	'	'
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'	'
Assets, Fair Value Disclosure, Nonrecurring	634	224
Real Estate Acquired through Foreclosure [Member] \| Residential Mortgage [Member] \| Fair Value, Inputs, Level 1 [Member]	'	'
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'	'
Assets, Fair Value Disclosure, Nonrecurring	0	0
Real Estate Acquired through Foreclosure [Member] \| Residential Mortgage [Member] \| Fair Value, Inputs, Level 2 [Member]	'	'
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'	'
Assets, Fair Value Disclosure, Nonrecurring	0	0
Real Estate Acquired through Foreclosure [Member] \| Residential Mortgage [Member] \| Fair Value, Inputs, Level 3 [Member]	'	'
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'	'
Assets, Fair Value Disclosure, Nonrecurring	634	224
Other Real Estate Owned [Member] \| Bank Lots [Member]	'	'
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'	'
Assets, Fair Value Disclosure, Nonrecurring	792	'
Other Real Estate Owned [Member] \| Bank Lots [Member] \| Fair Value, Inputs, Level 1 [Member]	'	'
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'	'
Assets, Fair Value Disclosure, Nonrecurring	0	'
Other Real Estate Owned [Member] \| Bank Lots [Member] \| Fair Value, Inputs, Level 2 [Member]	'	'
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'	'
Assets, Fair Value Disclosure, Nonrecurring	0	'
Other Real Estate Owned [Member] \| Bank Lots [Member] \| Fair Value, Inputs, Level 3 [Member]	'	'
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'	'
Assets, Fair Value Disclosure, Nonrecurring	$792	'

FAIR_VALUE_Details_5

FAIR VALUE (Details 5) (USD $)

Dec. 31, 2013

Dec. 31, 2012

Dec. 31, 2013

Dec. 31, 2012

Dec. 31, 2013

Dec. 31, 2012

Dec. 31, 2013

Dec. 31, 2012

Dec. 31, 2013

Dec. 31, 2012

Dec. 31, 2013

Dec. 31, 2012

Dec. 31, 2013

In Thousands, unless otherwise specified

Impaired Loans [Member]

Real Estate Acquired Through Foreclosure [Member]

Other Real Estate Owned [Member]

Commercial Loan [Member]

Land Improvements [Member]

Commercial Real Estate Other Receivable [Member]

Residential Mortgage [Member]

Consumer and Home Equity[Member]

Land Improvements [Member]

Commercial Real Estate Other Receivable [Member]

Residential Mortgage [Member]

Bank Lots [Member]

Sales Comparison Approach [Member]

Income Approach Valuation Technique [Member]

Sales Comparison Approach [Member]

Income Approach Valuation Technique [Member]

Sales Comparison Approach [Member]

Income Approach Valuation Technique [Member]

Sales Comparison Approach [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]

Minimum [Member]

Weighted Average [Member]

Maximum [Member]

Minimum [Member]

Weighted Average [Member]

Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]

Assets, Fair Value Disclosure, Nonrecurring

$180

$231

$625

$1,775

$5,194

$625

$56

$127

$56

$35

$947

$2,459

$919

$28

$2,667

$8,350

$1,626

$1,041

$634

$224

$634

$792

Discount or capitalization rate

9.00%

8.50%

8.84%

29.00%

7.40%

21.33%

10.00%

9.40%

9.80%

Adjustment for differences between comparable sales

18.00%

3.10%

15.98%

3.00%

[1]

2.25%

2.10%

2.20%

0.00%

[1]

25.00%

8.00%

19.73%

13.00%

0.00%

2.08%

10.00%

[1]

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

FAIR_VALUE_Details_6

FAIR VALUE (Details 6) (USD $)	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011	Dec. 31, 2010
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011	Dec. 31, 2010
Financial assets:	'	'	'	'
Cash and due from banks Carrying Value	$65,988	$63,103	$92,236	$166,176
Mortgage loans held for sale Carrying Value	470	3,887	'	'
Loans, net Carrying Value	450,771	492,740	'	'
Accrued interest receivable Carrying Value	2,224	2,690	'	'
FHLB stock Carrying Value	4,430	4,805	'	'
Cash and due from banks Fair Value	65,988	63,103	'	'
Mortgage loans held for sale Fair Value	478	3,967	'	'
Loans, net Fair Value	453,592	493,998	'	'
Accrued interest receivable Fair Value	2,224	2,690	'	'
Financial liabilities:	'	'	'	'
Deposits Carrying Value	783,487	922,620	'	'
Advances from Federal Home Loan Bank Carrying Value	12,389	12,596	'	'
Subordinated debentures Carrying Value	18,000	18,000	'	'
Accrued interest payable Carrying Value	4,485	3,121	'	'
Deposits Fair Value	733,515	934,637	'	'
Advances from Federal Home Loan Bank Fair Value	13,315	13,944	'	'
Subordinated debentures Fair Value	13,038	12,695	'	'
Accrued interest payable Fair Value	4,485	3,121	'	'
Fair Value, Inputs, Level 1 [Member]	'	'	'	'
Financial assets:	'	'	'	'
Cash and due from banks Fair Value	6,596	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	59,392	56,635	'	'
Mortgage loans held for sale Fair Value	478	3,967	'	'
Loans, net Fair Value	0	0	'	'
Accrued interest receivable Fair Value	1,136	1,350	'	'
Financial liabilities:	'	'	'	'
Deposits Fair Value	733,515	934,637	'	'
Advances from Federal Home Loan Bank Fair Value	13,315	13,944	'	'
Subordinated debentures Fair Value	0	0	'	'
Accrued interest payable Fair Value	4,485	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	453,592	493,998	'	'
Accrued interest receivable Fair Value	1,088	1,340	'	'
Financial liabilities:	'	'	'	'
Deposits Fair Value	0	0	'	'
Advances from Federal Home Loan Bank Fair Value	0	0	'	'
Subordinated debentures Fair Value	13,038	12,695	'	'
Accrued interest payable Fair Value	$0	$0	'	'

FAIR_VALUE_Details_Textual

FAIR VALUE (Details Textual) (USD $)	12 Months Ended
FAIR VALUE (Details Textual) (USD $)	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'	'	'
Loans Pledged as Collateral	$9,300,000	$22,900,000	'
Valuation Allowances and Reserves, Adjustments	2,800,000	8,000,000	'
Net Interest Income (Loss) after Provision for Loan Losses	26,680,000	19,565,000	11,619,000
Allowance for Loan and Lease Losses, Period Increase (Decrease)	'	3,600,000	'
Other Real Estate Valuation Adjustments	2,200,000	5,100,000	'
Impaired Loans [Member]	'	'	'
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'	'	'
Net Interest Income (Loss) after Provision for Loan Losses	$2,600,000	'	'

PREMISES_AND_EQUIPMENT_Details

PREMISES AND EQUIPMENT (Details) (USD $)	Dec. 31, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Property, Plant and Equipment [Line Items]	'	'
Land	$4,360	$6,654
Buildings	25,455	25,567
Furniture, fixtures and equipment	12,350	12,320
Property, Plant and Equipment, Gross	42,165	44,541
Less accumulated depreciation	-18,392	-17,493
Property, Plant and Equipment, Net	$23,773	$27,048

PREMISES_AND_EQUIPMENT_Details1

PREMISES AND EQUIPMENT (Details 1) (USD $)	Dec. 31, 2013
In Thousands, unless otherwise specified	Dec. 31, 2013
Property, Plant and Equipment [Line Items]	'
2014	$615
2015	615
2016	589
2017	466
2018	472
Thereafter	5,610
Operating Leases, Future Minimum Payments Due	$8,367

PREMISES_AND_EQUIPMENT_Details2

PREMISES AND EQUIPMENT (Details Textual) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Property, Plant and Equipment [Line Items]	'	'	'
Operating Leases, Rent Expense, Net, Total	$649	$703	$679
Depreciation on premises and equipment	1,425	1,554	1,638
Property, Plant and Equipment, Gross, Total	42,165	44,541	'
Land, Buildings and Improvements [Member]	'	'	'
Property, Plant and Equipment [Line Items]	'	'	'
Property, Plant and Equipment, Gross, Total	$1,700	'	'

INTANGIBLE_ASSETS_Details

INTANGIBLE ASSETS (Details) (USD $)	Dec. 31, 2012	Dec. 31, 2011
In Thousands, unless otherwise specified	Dec. 31, 2012	Dec. 31, 2011
Finite-Lived Intangible Assets [Line Items]	'	'
Gross Carrying Amount	$2,579	$2,579
Accumulated Amortization	1,732	1,560
Sold	847	'
Core Deposits [Member]	'	'
Finite-Lived Intangible Assets [Line Items]	'	'
Gross Carrying Amount	1,910	1,910
Accumulated Amortization	1,323	1,196
Sold	587	'
Other Customer Relationship Intangibles [Member]	'	'
Finite-Lived Intangible Assets [Line Items]	'	'
Gross Carrying Amount	669	669
Accumulated Amortization	409	364
Sold	$260	'

INTANGIBLE_ASSETS_Details_Text

INTANGIBLE ASSETS (Details Textual) (USD $)	12 Months Ended
INTANGIBLE ASSETS (Details Textual) (USD $)	Dec. 31, 2012	Dec. 31, 2011
Finite-Lived Intangible Assets [Line Items]	'	'
Amortization	$172,000	$370,000

DEPOSITS_Details

DEPOSITS (Details) (USD $)	Dec. 31, 2013
In Thousands, unless otherwise specified	Dec. 31, 2013
Deposits [Line Items]	'
2014	$158,041
2015	65,486
2016	32,289
2017	16,024
2018	13,258
Thereafter	42,852
Time Deposits	$327,950

DEPOSITS_Details_Textual

DEPOSITS (Details Textual) (USD $)	Dec. 31, 2013	Dec. 31, 2012
In Millions, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Deposits [Line Items]	'	'
Brokered Deposit Maturities Next Twelve Months	$8.60	'
Time Deposits, $100,000 or More, Total	147.5	231.4
Interest-bearing Domestic Deposit, Brokered	$27.30	$56.90

ADVANCES_FROM_FEDERAL_HOME_LOA2

ADVANCES FROM FEDERAL HOME LOAN BANK (Details) (USD $)	Dec. 31, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]	'	'
Federal Home Loan Bank, Advances, Branch of FHLB Bank, Amount of Advances	$12,389	$12,596
Convertible Fixed Rate Advances [Member]	'	'
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]	'	'
Federal Home Loan Bank, Advances, Branch of FHLB Bank, Weighted Average Interest Rate	4.02%	4.02%
Federal Home Loan Bank, Advances, Branch of FHLB Bank, Amount of Advances	10,000	10,000
Other Fixed Rate Advances [Member]	'	'
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]	'	'
Federal Home Loan Bank, Advances, Branch of FHLB Bank, Weighted Average Interest Rate	4.85%	4.87%
Federal Home Loan Bank, Advances, Branch of FHLB Bank, Amount of Advances	$2,389	$2,596

ADVANCES_FROM_FEDERAL_HOME_LOA3

ADVANCES FROM FEDERAL HOME LOAN BANK (Details 1) (USD $)	Dec. 31, 2013
In Thousands, unless otherwise specified	Dec. 31, 2013
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]	'
2014	$222
2015	505
2016	345
2017	10,365
2018	454
Thereafter	498
Advances from Federal Home Loan Banks, Total	$12,389

ADVANCES_FROM_FEDERAL_HOME_LOA4

ADVANCES FROM FEDERAL HOME LOAN BANK (Details Textual) (USD $)

12 Months Ended

Dec. 31, 2013

Dec. 31, 2012

Dec. 31, 2011

Sep. 30, 2012

Dec. 31, 2013

Dec. 31, 2012

Sep. 30, 2012

Dec. 31, 2013

Sep. 30, 2012

Dec. 31, 2013

Dec. 31, 2012

Dec. 31, 2013

Maturity Date Of 2014 [Member]

Convertible Fixed Rate Advances [Member]

Other Fixed Rate Advances [Member]

Maturity Date Of 2014 [Member]

Scheduled Maturity Date Of 2017 [Member]

Maturity Date Of 2026 [Member]

Minimum [Member]

Maximum [Member]

Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]

Federal Home Loan Bank, Advances, Branch of FHLB Bank, Amount of Advances

$12,389,000

$12,596,000

$10,000,000

$5,000,000

$2,389,000

$2,596,000

Federal Home Loan Bank, Advances, Branch of FHLB Bank, Weighted Average Interest Rate

4.02%

3.99%

4.02%

4.22%

4.85%

4.87%

4.19%

5.72%

Federal Home Loan Bank, Advances, Branch of FHLB Bank, Due Date

'2017

'2014

Borrowed From Federal Home Loan Bank Advances

20,200,000

Federal Home Loan Bank, Advances, General Debt Obligations, Disclosures, Repayment and Penalties

1,548,000

Federal Home Loan Bank, Advances, General Debt Obligations, Disclosures, Collateral Pledged

$41,200,000

SUBORDINATED_DEBENTURES_Detail

SUBORDINATED DEBENTURES (Details Textual) (Subordinated Debt [Member], USD $)	12 Months Ended
	Dec. 31, 2013	Dec. 31, 2008	Dec. 31, 2007	Oct. 29, 2010
Subordinated Debt [Member]	'	'	'	'
Subordinated Borrowing [Line Items]	'	'	'	'
Proceeds from Issuance of Trust Preferred Securities	$18,000,000	$8,000,000	$10,000,000	'
Investment In Common Stock	310,000	'	'	'
Debt Instrument, Maturity Date, Description	'	'The subordinated debentures we issued to the trust mature on June 24, 2038, can be called at par in whole or in part on or after June 24, 2018	'securities mature on March 22, 2037, and can be called at par in whole or in part on or after March 15, 2017.	'
Long-term Debt, Percentage Bearing Fixed Interest, Percentage Rate	'	8.00%	6.69%	'
Proceeds Of Sale Of Trust Preferred Securities Description	'capital received from the proceeds of the sale of trust preferred securities cannot constitute more than 25% of the total core capital of the Corporation.	'	'	'
Excess Of Tier Two Capital Limitation Percentage	25.00%	'	'	'
Trust Preferred Securities Cumulative Period	'	'	'30 years	'
Debt Instrument, Interest Rate Terms	'10 year	'	'	'
Debt Instrument, Description of Variable Rate Basis	'	'	'LIBOR plus 160 basis points	'
Debt Instrument, Increase, Accrued Interest	4,400,000	'	'	'
Junior Subordinated Notes	'	'	'	$18,000,000

PREFERRED_STOCK_Details_Textua

PREFERRED STOCK (Details Textual) (USD $)	1 Months Ended	12 Months Ended			1 Months Ended
	Oct. 14, 2008	Dec. 31, 2013	Dec. 31, 2012	Jan. 09, 2009	Dec. 08, 2008	Dec. 08, 2008
					Warrant [Member]	Warrant [Member]
						US Treasury [Member]
Preferred Stock [Line Items]	'	'	'	'	'	'
Preferred Stock, Liquidation Preference, Value	'	$23,500,000	$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	'	150,613	'	'	'	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	'	$3.41	'	'	'	$13.89
Percentage of Aggregate Amount of Preferred Stock Value	'	'	'	'	'	15.00%
Preferred Stock, Value, Issued	'	19,997,000	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	'	3,500,000	'	'	'	'
Preferred Stock, Dividends Per Share, Declared	$0.19	'	'	'	'	'
Preferred Stock, Value, Outstanding	'	$20,000,000	'	'	'	'
Preferred Stock, Dividend Rate, Percentage	'	9.00%	'	'	'	'

INCOME_TAXES_Details

INCOME TAXES (Details) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Provision For Income Taxes [Line Items]	'	'	'
Current	$3	($18)	($2,853)
Deferred	4,967	-906	-3,179
Net Operating Loss	-5,441	-2,907	-5,269
Net Operating Loss Carryforward	-471	-3,831	-11,301
Valuation allowance	474	3,813	8,318
Total income tax expense/(benefit)	$3	($18)	($2,983)

INCOME_TAXES_Details_1

INCOME TAXES (Details 1)	12 Months Ended
INCOME TAXES (Details 1)	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Effective Income Tax Rate Reconciliation [Line Items]	'	'	'
Federal statutory rate	34.00%	34.00%	34.00%
Change in valuation allowance	63.70%	-45.30%	-31.80%
Tax-exempt interest income	-10.40%	1.20%	1.30%
Increase in cash surrender value of life insurance	-16.80%	1.50%	0.40%
Stock option expense	6.90%	-0.50%	-0.10%
Low income Housing tax credits	-76.90%	12.70%	7.10%
Other	-0.20%	-3.40%	0.50%
Effective rate	0.30%	0.20%	11.40%

INCOME_TAXES_Details_2

INCOME TAXES (Details 2) (USD $)	Dec. 31, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Deferred tax assets:	'	'
Allowance for loan losses	$3,308	$5,965
Net operating loss carryforward	13,617	8,176
AMT credit carryforward	196	196
Low income housing credits	3,494	2,922
Net unrealized loss on securities available-for-sale	2,726	0
Intangibles and fair value adjustments	0	120
Writedowns of real estate owned	1,226	3,917
Nonaccrual loan interest	805	1,253
Accrued liabilities and other	423	230
Total deferred tax assets	25,795	22,779
Deferred tax liabilities:	'	'
Depreciation	1,848	1,982
Net unrealized gain on securities available-for-sale	0	1,299
Federal Home Loan Bank stock	1,049	1,049
Deferred gain on like-kind exchange	4	4
Other	240	290
Total deferred tax liabilities	3,141	4,624
Net temporary differences	22,654	18,155
Valuation allowance	-22,654	-18,155
Net deferred tax assets	$0	$0

INCOME_TAXES_Details_Textual

INCOME TAXES (Details Textual) (USD $)	12 Months Ended
In Millions, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Income Taxes [Line Items]	'	'	'
Income Tax Expense Benefit Continuing Operation	$0	$0	$3.10
Operating Loss Carryforwards	39	'	'
Effective Income Tax Rate Reconciliation, Deduction, Amount, Total	9.3	'	'
Deferred Tax Liabilities, Net, Total	3.2	3.2	'
Income Tax Examination, Penalties and Interest Accrued, Total	$3.20	'	'
Operating Loss Carryforwards Expire Date	'2032	'	'

STOCKHOLDERS_EQUITY_Details

STOCKHOLDERS' EQUITY (Details) (USD $)	Dec. 31, 2013	Jan. 31, 2011	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified	Dec. 31, 2013	Jan. 31, 2011	Consolidated [Member]	Consolidated [Member]	Bank [Member]	Bank [Member]
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]	'	'	'	'	'	'
Total risk-based capital (to risk- weighted assets), Actual Amount	'	'	$68,477	$68,791	$76,147	$73,951
Total risk-based capital (to risk- weighted assets), Actual Ratio	13.57%	12.00%	12.13%	11.36%	13.48%	12.21%
Total risk-based capital (to risk- weighted assets) For Capital Adequacy Purposes Amount	'	'	45,174	48,438	45,177	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	'	'	67,761	72,657	67,765	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	'	'	58,036	57,471	69,057	66,256
Tier I capital (to risk-weighted assets) Actual Ratio	'	9.00%	10.28%	9.49%	12.23%	10.94%
Tier I capital (to risk-weighted assets) For Capital Adequacy Purposes Amount	'	'	22,587	24,219	22,588	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	'	'	58,036	57,471	69,057	66,256
Tier I capital (to average assets) Actual Ratio	'	'	6.68%	5.67%	7.96%	6.53%
Tier I capital (to average assets) For Capital Adequacy Purposes Amount	'	'	34,737	40,580	34,706	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	'	'	$78,158	$91,304	$78,088	$91,368
Tier I capital (to average assets) Required by Consent Order Ratio	'	'	9.00%	9.00%	9.00%	9.00%

STOCKHOLDERS_EQUITY_Details_Te

STOCKHOLDERS' EQUITY (Details Textual) (USD $)	12 Months Ended			0 Months Ended
	Dec. 31, 2013	Dec. 31, 2012	Jan. 09, 2009	Jan. 09, 2009
	Dec. 31, 2013	Dec. 31, 2012	Jan. 09, 2009	Per annum for first five years [Member]
Stockholders Equity [Line Items]	'	'	'	'
Liquidation Account	$608,000	'	'	'
Serial preferred stock, liquidation preference (in dollars)	$23,500,000	$22,500,000	$20,000,000	'
Preferred Stock, Dividend Rate, Percentage	9.00%	'	'	5.00%

EARNINGS_LOSS_PER_SHARE_Detail

EARNINGS (LOSS) PER SHARE (Details) (USD $)	3 Months Ended								12 Months Ended
In Thousands, except Per Share data, unless otherwise specified	Dec. 31, 2013	Sep. 30, 2013	Jun. 30, 2013	Mar. 31, 2013	Dec. 31, 2012	Sep. 30, 2012	Jun. 30, 2012	Mar. 31, 2012	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Basic:	'	'	'	'	'	'	'	'	'	'	'
Net income/(loss)	'	'	'	'	'	'	'	'	$741	($8,393)	($23,161)
Less:	'	'	'	'	'	'	'	'	'	'	'
Preferred stock dividends	'	'	'	'	'	'	'	'	-1,000	-1,000	-1,000
Accretion on preferred stock discount	'	'	'	'	'	'	'	'	-54	-54	-54
Net income (loss) available to common shareholders	$15	$1,203	($1,389)	($142)	($3,477)	($1,015)	($4,402)	($553)	($313)	($9,447)	($24,215)
Weighted average common shares (in shares)	'	'	'	'	'	'	'	'	4,828	4,769	4,743
Diluted:	'	'	'	'	'	'	'	'	'	'	'
Weighted average common shares (in shares)	'	'	'	'	'	'	'	'	4,828	4,769	4,743
Dilutive effect of stock options and warrants (in shares)	'	'	'	'	'	'	'	'	0	0	0
Weighted average common and incremental shares (in shares)	'	'	'	'	'	'	'	'	4,828	4,769	4,743
Earnings (Loss) Per Common Share:	'	'	'	'	'	'	'	'	'	'	'
Basic (in dollars per share)	$0.01	$0.25	($0.29)	($0.03)	($0.73)	($0.21)	($0.92)	($0.12)	($0.06)	($1.98)	($5.11)
Diluted (in dollars per share)	$0.01	$0.25	($0.29)	($0.03)	($0.73)	($0.21)	($0.92)	($0.12)	($0.06)	($1.98)	($5.11)

CHANGES_IN_AND_RECLASSIFICATIO2

CHANGES IN AND RECLASSIFICATIONS FROM ACCUMULATED OTHER COMPREHENSIVE INCOME (Details) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013		Dec. 31, 2012		Dec. 31, 2011
Available For Sale Securities In Accumulated Other Comprehensive Income Loss [Line Items]	'		'		'
Unrealized Gains and Losses on Available-for-Sale Securities, Beginning balance	$1,270	[1]	$1,326	[1]	($4,715)	[1]
Other comprehensive income (loss) before reclassification	-11,612	[1]	2,197	[1]	6,887	[1]
Amounts reclassified from accumulated other comprehensive income	-226	[1]	-2,253	[1]	-846	[1]
Net other comprehensive income (loss)	-11,838	[1]	1,131	[1]	5,830	[1]
Unrealized Gains and Losses on Available-for-Sale Securities, Ending balance	($10,568)	[1]	$1,270	[1]	$1,326	[1]

[1]	All amounts are net of tax.

CHANGES_IN_AND_RECLASSIFICATIO3

CHANGES IN AND RECLASSIFICATIONS FROM ACCUMULATED OTHER COMPREHENSIVE INCOME (Details 1) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013		Dec. 31, 2012		Dec. 31, 2011
Available For Sale Securities Reclassifications Out Of Accumulated Other Comprehensive Income [Line Items]	'		'		'
Unrealized gains and losses on available-for-sale securities, Gain on sales of investments	$1,257		$3,384		$995
Unrealized gains and losses on available-for-sale securities, Loss on sale of investments	-1,031		-1,131		-149
Unrealized gains and losses on available-for-sale securities, Total before tax	226		2,253		846
Unrealized gains and losses on available-for-sale securities, Income taxes/(benefits)	0		0		0
Total amount reclassified, Net income (loss)	$226	[1]	$2,253	[1]	$846	[1]

[1]	All amounts are net of tax.

EMPLOYEE_BENEFIT_PLANS_Details

EMPLOYEE BENEFIT PLANS (Details) (USD $)	12 Months Ended
EMPLOYEE BENEFIT PLANS (Details) (USD $)	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Employee Stock Ownership Plan (ESOP) Disclosures [Line Items]	'	'	'
KSOP shares (ending)	154,748	167,620	226,517
Shares released	0	0	0
Compensation expense	$0	$0	$0

EMPLOYEE_BENEFIT_PLANS_Details1

EMPLOYEE BENEFIT PLANS (Details 1) (USD $)	12 Months Ended
EMPLOYEE BENEFIT PLANS (Details 1) (USD $)	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Assumptions:	'	'	'
Risk-free interest rate	2.05%	1.77%	1.87%
Expected dividend yield	0.00%	0.00%	0.00%
Expected life (years)	'10 years	'10 years	'10 years
Expected common stock market price volatility	65.00%	55.00%	45.00%
Estimated fair value per share (in dollars per share)	$1.96	$1.99	$0.86

EMPLOYEE_BENEFIT_PLANS_Details2

EMPLOYEE BENEFIT PLANS (Details 2) (USD $)	3 Months Ended	12 Months Ended
In Thousands, except Share data, unless otherwise specified	Sep. 30, 2013	Dec. 31, 2013
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]	'	'
Number of Options, Outstanding, beginning of period	'	392,740
Number of Options, Granted during period	'	149,000
Number of Options, Terminated during period	-132,390	-132,390
Number of Options, Forfeited during period	'	-32,350
Number of Options, Exercised during period	'	-700
Number of Options, Outstanding, end of period	'	376,300
Number of Options, Eligible for exercise at period end	'	107,420
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	'	$13.79
Weighted Average Exercise Price, Exercised during period	'	$1.68
Weighted Average Exercise Price, Outstanding, end of period	'	$3.13
Weighted Average Exercise Price, Eligible for exercise at period end	'	$4.12
Weighted Average Remaining Contractual Term, Outstanding, end of period	'	'8 years 2 months 12 days
Weighted Average Remaining Contractual Term, Eligible for exercise at period end	'	'7 years 3 months 18 days
Aggregate Intrinsic Value, Outstanding, end of period	'	$796
Aggregate Intrinsic Value, Eligible for exercise at period end	'	$185

EMPLOYEE_BENEFIT_PLANS_Details3

EMPLOYEE BENEFIT PLANS (Details 3) (USD $)	12 Months Ended
EMPLOYEE BENEFIT PLANS (Details 3) (USD $)	Dec. 31, 2013
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]	'
Non-vested Shares, Outstanding, beginning of period	32,964
Non-vested Shares, Granted during period	150,613
Non-vested Shares, Vested during period	-102,830
Non-vested Shares, Terminated during period	-17,250
Non-vested Shares, Outstanding, end of period	63,497
Weighted Average Grant Date Fair Value, Outstanding, beginning of period	$3.64
Weighted Average Grant Date Fair Value, Granted during period	$3.41
Weighted Average Grant Date Fair Value, Vested during period	$3.33
Weighted Average Grant Date Fair Value, Terminated during period	$2.84
Weighted Average Grant Date Fair Value, Outstanding, end of period	$3.81

EMPLOYEE_BENEFIT_PLANS_Details4

EMPLOYEE BENEFIT PLANS (Details Textual) (USD $)

3 Months Ended

12 Months Ended

1 Months Ended

12 Months Ended

1 Months Ended

12 Months Ended

1 Months Ended

12 Months Ended

Sep. 30, 2013

Dec. 31, 2013

Dec. 31, 2012

Dec. 31, 2011

Sep. 30, 2012

Dec. 31, 2013

Dec. 31, 2012

Dec. 31, 2011

Dec. 31, 2013

Dec. 31, 2012

Dec. 31, 2011

Jun. 28, 2013

Feb. 07, 2013

Dec. 31, 2013

Jun. 30, 2013

Jun. 30, 2012

Dec. 31, 2013

Dec. 31, 2012

Dec. 31, 2011

Jul. 31, 2013

Jul. 31, 2012

Dec. 31, 2013

Dec. 31, 2012

Dec. 31, 2011

Stock Option and Incentive Compensation Plan 2006 [Member]

Employee Stock Purchase Plan [Member]

Restricted Stock Granted and Incentive Compensation Plan 2006 [Member]

Restricted Stock [Member]

Pentegra Defined Benefit Plan [Member]

Employee Stock Ownership Plan [Member]

Defined Benefit Plan Disclosure [Line Items]

Description of Defined Contribution Pension and Other Postretirement Plans

'Eligible employees are 100% vested at the completion of five years of participation in the plan.

Defined Benefit Plan, Contributions by Plan Participants

$196,500,000

$299,700,000

Defined Benefit Plan, Administration Expenses

184,000

433,000

404,000

286,000

305,000

513,000

Defined Benefit Pension Plan, Liabilities

253,000

90,000

Defined Benefit Plan Contribution Percentage

5.00%

Defined Benefit Plan, Funded Percentage

96.00%

100.00%

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

179,130

79,472

Allocated Share-based Compensation Expense

152,000

114,000

111,000

371,000

195,000

75,000

Employee Service Share-based Compensation, Nonvested Awards, Total Compensation Cost Not yet Recognized

425,000

213,000

Employee Service Share Based Compensation Nonvested Awards Total Compensation Cost Not Yet Recognized Period For Recognition 1

'3 years 3 months 18 days

'2 years 2 months 12 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

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

2,000

Proceeds from Stock Options Exercised

1,000

Share-based Compensation Arrangement by Share-based Payment Award, Options, Expirations in Period

132,390

Share Based Compensation Arrangement By Share Based Payment Award Options Settled In Period

1,300

Defined Contribution Plan, Maximum Annual Contributions Per Employee, Percent

50.00%

Defined Contribution Plan, Employers Matching Contribution, Annual Vesting Percentage

100.00%

Defined Contribution Plan, Employer Matching Contribution, Percent of Employees Gross Pay

4.00%

Share-based Compensation Arrangement by Share-based Payment Award, Discount from Market Price, Purchase Date

10.00%

Share-based Compensation Arrangement by Share-based Payment Award, Purchase Price of Common Stock, Percent

90.00%

Share-based Compensation Arrangement by Share-based Payment Award, Shares Purchased for Award

100,000

Employee Service Share-based Compensation, Allocation of Recognized Period Costs, Capitalized Amount

$5,000

$4,000

$6,000

CASH_FLOW_ACTIVITIES_Details

CASH FLOW ACTIVITIES (Details) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Cash Flow Activities [Line Items]	'	'	'
Interest expense	$7,464	$14,055	$19,477
Income taxes	($19)	($569)	$0

CASH_FLOW_ACTIVITIES_Details_1

CASH FLOW ACTIVITIES (Details 1) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Cash Flow Activities [Line Items]	'	'	'
Loans to facilitate sales of real estate owned and repossessed assets	$1,000	$273	$2,445
Transfers from loans to real estate acquired through foreclosure and repossessed assets	8,854	18,349	19,641
Transfers from fixed assets to other real estate owned-bank lots	1,688	0	0
Dividends accrued not paid on preferred stock	1,000	1,000	1,000
Transfers from loans to loans held for sale in probable loan sale	0	0	10,749
Transfers from loans to loans held for sale in probable branch divestiture	0	0	35,080
Transfers from premises and equipment to premises and equipment held for sale in probable branch divestiture	0	0	946
Transfers from deposits to deposits held for sale in probable branch divestiture	$0	$0	$117,204

CONDENSED_FINANCIAL_INFORMATIO2

CONDENSED FINANCIAL INFORMATION (PARENT COMPANY ONLY) (Details) (USD $)	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011	Dec. 31, 2010
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011	Dec. 31, 2010
Assets	'	'	'	'
Cash and interest bearing deposits	$65,988	$63,103	$92,236	$166,176
Other assets	1,701	1,459	'	'
Assets	858,617	1,007,062	'	'
Liabilities and Stockholders' Equity	'	'	'	'
Subordinated debentures	18,000	18,000	'	'
Stockholders' equity	32,819	44,372	53,463	71,311
Liabilities and Equity	858,617	1,007,062	'	'
Parent Company [Member]	'	'	'	'
Assets	'	'	'	'
Cash and interest bearing deposits	147	333	557	240
Investment in Bank	58,490	67,525	'	'
Other assets	91	72	'	'
Assets	58,728	67,930	'	'
Liabilities and Stockholders' Equity	'	'	'	'
Subordinated debentures	18,000	18,000	'	'
Other liabilities	7,909	5,558	'	'
Stockholders' equity	32,819	44,372	'	'
Liabilities and Equity	$58,728	$67,930	'	'

CONDENSED_FINANCIAL_INFORMATIO3

CONDENSED FINANCIAL INFORMATION (PARENT COMPANY ONLY) (Details 1) (USD $)	3 Months Ended								12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Sep. 30, 2013	Jun. 30, 2013	Mar. 31, 2013	Dec. 31, 2012	Sep. 30, 2012	Jun. 30, 2012	Mar. 31, 2012	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Condensed Income Statements, Captions [Line Items]	'	'	'	'	'	'	'	'	'	'	'
Interest income	$7,610	$8,061	$8,211	$8,540	$8,416	$9,822	$10,738	$12,745	'	'	'
Interest expense	-1,938	-2,034	-2,247	-2,609	-3,132	-3,589	-4,068	-4,570	-8,828	-15,359	-20,700
Income (loss) before income tax benefit	'	'	'	'	'	'	'	'	744	-8,411	-26,144
Income tax benefit	'	'	'	'	'	'	'	'	3	-18	-2,983
Net income/(loss)	'	'	'	'	'	'	'	'	741	-8,393	-23,161
Comprehensive income (loss)	'	'	'	'	'	'	'	'	-11,097	-8,449	-17,120
Parent Company [Member]	'	'	'	'	'	'	'	'	'	'	'
Condensed Income Statements, Captions [Line Items]	'	'	'	'	'	'	'	'	'	'	'
Interest income	'	'	'	'	'	'	'	'	0	0	41
Interest expense	'	'	'	'	'	'	'	'	-1,363	-1,444	-1,373
Gain on sale of investments	'	'	'	'	'	'	'	'	0	0	157
Other expenses	'	'	'	'	'	'	'	'	-546	-462	-226
Income (loss) before income tax benefit	'	'	'	'	'	'	'	'	-1,909	-1,906	-1,401
Income tax benefit	'	'	'	'	'	'	'	'	0	0	-140
Income (loss) before equity in undistributed net income/(loss) of Bank	'	'	'	'	'	'	'	'	-1,909	-1,906	-1,261
Equity in undistributed net income/(loss) of Bank	'	'	'	'	'	'	'	'	2,650	-6,487	-21,900
Net income/(loss)	'	'	'	'	'	'	'	'	741	-8,393	-23,161
Comprehensive income (loss)	'	'	'	'	'	'	'	'	($11,097)	($8,449)	($17,120)

CONDENSED_FINANCIAL_INFORMATIO4

CONDENSED FINANCIAL INFORMATION (PARENT COMPANY ONLY) (Details 2) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Operating Activities:	'	'	'
Net income/(loss)	$741	($8,393)	($23,161)
Adjustments to reconcile net income/(loss) to cash provided by operating activities:	'	'	'
Stock-based compensation expense	499	309	186
Changes in:	'	'	'
Other assets	-1,104	77	-2,507
Investing Activities:	'	'	'
Sales of securities available-for-sale	143,781	216,196	192,251
Financing Activities:	'	'	'
Net change in cash and interest bearing deposits	2,885	-29,133	-73,940
Cash and cash equivalents, beginning of year	63,103	92,236	166,176
Cash and cash equivalents, end of year	65,988	63,103	92,236
Parent Company [Member]	'	'	'
Operating Activities:	'	'	'
Net income/(loss)	741	-8,393	-23,161
Adjustments to reconcile net income/(loss) to cash provided by operating activities:	'	'	'
Equity in undistributed net income/(loss) of Bank	-2,650	6,487	21,900
Gain on sale of investments available-for-sale	0	0	-157
Stock-based compensation expense	499	309	186
Changes in:	'	'	'
Other assets	-172	-105	-113
Accounts payable and other liabilities	1,351	1,429	1,128
Net cash from operating activities	-231	-273	-217
Investing Activities:	'	'	'
Sales of securities available-for-sale	0	0	448
Net cash from investing activities	0	0	448
Financing Activities:	'	'	'
Issuance of common stock under dividend reinvestment program	0	10	2
Issuance of common stock for employee benefit plans and exercise of stock options	45	39	84
Net cash from financing activities	45	49	86
Net change in cash and interest bearing deposits	-186	-224	317
Cash and cash equivalents, beginning of year	333	557	240
Cash and cash equivalents, end of year	$147	$333	$557

FINANCIAL_INSTRUMENTS_WITH_OFF2

FINANCIAL INSTRUMENTS WITH OFF-BALANCE-SHEET RISK (Details) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Financial Instruments With Off Balance Sheet Risk [Line Items]	'	'
Financial Instruments With Off Balance Sheet Risk Fixed Rate Amount	$0	$71
Financial Instruments With Off Balance Sheet Risk Variable Rate Amount	76,344	80,369
Commitments to Extend Credit [Member]	'	'
Financial Instruments With Off Balance Sheet Risk [Line Items]	'	'
Financial Instruments With Off Balance Sheet Risk Fixed Rate Amount	0	71
Financial Instruments With Off Balance Sheet Risk Variable Rate Amount	2,300	2,833
Unused lines of Credit [Member]	'	'
Financial Instruments With Off Balance Sheet Risk [Line Items]	'	'
Financial Instruments With Off Balance Sheet Risk Fixed Rate Amount	0	0
Financial Instruments With Off Balance Sheet Risk Variable Rate Amount	68,450	71,181
Standby Letters of Credit [Member]	'	'
Financial Instruments With Off Balance Sheet Risk [Line Items]	'	'
Financial Instruments With Off Balance Sheet Risk Fixed Rate Amount	0	0
Financial Instruments With Off Balance Sheet Risk Variable Rate Amount	$5,594	$6,355

FINANCIAL_INSTRUMENTS_WITH_OFF3

FINANCIAL INSTRUMENTS WITH OFF-BALANCE-SHEET RISK (Details Textual) (USD $)	Dec. 31, 2013	Dec. 31, 2012
In Millions, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Financial Instruments With Off Balance Sheet Risk [Line Items]	'	'
Letters of Credit Outstanding, Amount	$160.50	$121.80

RELATED_PARTY_TRANSACTIONS_Det

RELATED PARTY TRANSACTIONS (Details) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Related Party Transaction [Line Items]	'	'
Beginning of year	$1,354	$1,292
New loans	0	170
Repayments	-35	-32
Effect of changes in composition of related parties	1,846	-76
End of year	$3,165	$1,354

RELATED_PARTY_TRANSACTIONS_Det1

RELATED PARTY TRANSACTIONS (Details Textual) (USD $)	12 Months Ended
RELATED PARTY TRANSACTIONS (Details Textual) (USD $)	Dec. 31, 2013	Dec. 31, 2012
Related Party Transaction [Line Items]	'	'
Related Party Deposit Liabilities	$1,100,000	$2,400,000
Proceeds from (Repayments of) Related Party Debt	$60,000	'

SUMMARY_OF_QUARTERLY_FINANCIAL2

SUMMARY OF QUARTERLY FINANCIAL DATA- (Unaudited) (Details) (USD $)	3 Months Ended								12 Months Ended
In Thousands, except Per Share data, unless otherwise specified	Dec. 31, 2013	Sep. 30, 2013	Jun. 30, 2013	Mar. 31, 2013	Dec. 31, 2012	Sep. 30, 2012	Jun. 30, 2012	Mar. 31, 2012	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Quarterly Financial Information [Line Items]	'	'	'	'	'	'	'	'	'	'	'
Total interest income	$7,610	$8,061	$8,211	$8,540	$8,416	$9,822	$10,738	$12,745	'	'	'
Total interest expense	1,938	2,034	2,247	2,609	3,132	3,589	4,068	4,570	8,828	15,359	20,700
Net interest income	5,672	6,027	5,964	5,931	5,284	6,233	6,670	8,175	23,594	26,362	32,829
Provision for loan losses	-1,761	-500	212	-1,037	2,199	2,671	915	1,012	'	'	'
Non-interest income	1,406	3,546	1,686	1,454	2,144	6,456	1,323	1,036	8,092	10,959	474
Non-interest expense	8,560	8,605	8,563	8,300	8,378	10,853	11,216	8,488	34,028	38,935	38,237
Net income/(loss) attributable to common shareholders	$15	$1,203	($1,389)	($142)	($3,477)	($1,015)	($4,402)	($553)	($313)	($9,447)	($24,215)
Earnings/(loss) per common share:	'	'	'	'	'	'	'	'	'	'	'
Basic (in dollars per share)	$0.01	$0.25	($0.29)	($0.03)	($0.73)	($0.21)	($0.92)	($0.12)	($0.06)	($1.98)	($5.11)
Diluted (in dollars per share)	$0.01	$0.25	($0.29)	($0.03)	($0.73)	($0.21)	($0.92)	($0.12)	($0.06)	($1.98)	($5.11)

SUMMARY_OF_QUARTERLY_FINANCIAL3

SUMMARY OF QUARTERLY FINANCIAL DATA- (Unaudited) (Details Textual) (USD $)	3 Months Ended		12 Months Ended
	Sep. 30, 2013	Jun. 30, 2012	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Quarterly Financial Information [Line Items]	'	'	'	'	'
Gain on sale on real estate acquired through foreclosure	$1,600,000	'	$1,953,000	$1,318,000	$231,000
Gain on branch divestiture	'	'	0	3,124,000	0
FHLB advance prepayment penalty	'	'	0	1,548,000	0
Termination Fees On Agreement	'	$1,500,000	'	'	'