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LOANS AND ALLOWANCE FOR LOAN LOSSES (Details 2) (USD $) In Thousands, unless otherwise specified | 3 Months Ended | 6 Months Ended |
--- | --- | --- | ---
Jun. 30, 2012 | Jun. 30, 2011 | Jun. 30, 2012 | Jun. 30, 2011 | Dec. 31, 2011
Beginning balance | $ 6,609 | $ 6,593 | $ 6,529 | $ 6,715 |
Charge Offs | (252) | (1,593) | (726) | (2,232) |
Recoveries | 61 | 545 | 165 | 563 |
Provision | 200 | 899 | 650 | 1,397 |
Ending Balance | 6,618 | 6,443 | 6,618 | 6,443 |
Ending balance individually evaluated for impairment | 1,042 | 1,739 | 1,042 | 1,739 | 1,533
Ending balance collectively evaluated for impairment | 5,576 | 4,704 | 5,576 | 4,704 | 4,996
Loans, Ending balance individually evaluated for impairment | 6,235 | 7,218 | 6,235 | 7,218 | 8,378
Loans, Ending balance collectively evaluated for impairment | 446,160 | 430,333 | 446,160 | 430,333 | 434,477
Commercial [Member] |  |  |  |  |
Beginning balance | 1,855 | 1,766 | 1,914 | 1,723 |
Charge Offs | 0 | (387) | (205) | (596) |
Recoveries | 25 | 409 | 28 | 414 |
Provision | (363) | (266) | (220) | (19) |
Ending Balance | 1,517 | 1,522 | 1,517 | 1,522 |
Ending balance individually evaluated for impairment | 551 | 700 | 551 | 700 | 1,017
Ending balance collectively evaluated for impairment | 966 | 822 | 966 | 822 | 897
Loans, Ending balance individually evaluated for impairment | 1,296 | 2,426 | 1,296 | 2,426 | 3,283
Loans, Ending balance collectively evaluated for impairment | 74,461 | 68,315 | 74,461 | 68,315 | 74,829
Commercial Real Estate [Member] |  |  |  |  |
Beginning balance | 2,913 | 3,322 | 2,880 | 3,774 |
Charge Offs | (57) | (1,108) | (99) | (1,208) |
Recoveries | 19 | 13 | 42 | 16 |
Provision | 145 | 1,217 | 197 | 862 |
Ending Balance | 3,020 | 3,444 | 3,020 | 3,444 |
Ending balance individually evaluated for impairment | 0 | 813 | 0 | 813 | 19
Ending balance collectively evaluated for impairment | 3,020 | 2,631 | 3,020 | 2,631 | 2,861
Loans, Ending balance individually evaluated for impairment | 1,895 | 3,187 | 1,895 | 3,187 | 2,473
Loans, Ending balance collectively evaluated for impairment | 198,023 | 178,983 | 198,023 | 178,983 | 185,356
Agricultural [Member] |  |  |  |  |
Beginning balance | 52 | 18 | 51 | 16 |
Charge Offs | 0 | 0 | 0 | 0 |
Recoveries | 0 | 1 | 1 | 2 |
Provision | 43 | 8 | 43 | 9 |
Ending Balance | 95 | 27 | 95 | 27 |
Ending balance individually evaluated for impairment | 1 | 0 | 1 | 0 | 5
Ending balance collectively evaluated for impairment | 94 | 27 | 94 | 27 | 46
Loans, Ending balance individually evaluated for impairment | 3 | 0 | 3 | 0 | 5
Loans, Ending balance collectively evaluated for impairment | 41,090 | 38,454 | 41,090 | 38,454 | 38,356
Residential Real Estate [Member] |  |  |  |  |
Beginning balance | 1,000 | 926 | 956 | 643 |
Charge Offs | (14) | (63) | (65) | (166) |
Recoveries | 11 | 114 | 82 | 114 |
Provision | 50 | (83) | 74 | 303 |
Ending Balance | 1,047 | 894 | 1,047 | 894 |
Ending balance individually evaluated for impairment | 353 | 226 | 353 | 226 | 280
Ending balance collectively evaluated for impairment | 694 | 668 | 694 | 668 | 676
Loans, Ending balance individually evaluated for impairment | 2,530 | 1,216 | 2,530 | 1,216 | 2,074
Loans, Ending balance collectively evaluated for impairment | 82,516 | 92,252 | 82,516 | 92,252 | 85,582
Home Equity & Consumer [Member] |  |  |  |  |
Beginning balance | 653 | 451 | 599 | 401 |
Charge Offs | (181) | (63) | (341) | (263) |
Recoveries | 6 | 11 | 8 | 18 |
Provision | 324 | 28 | 536 | 271 |
Ending Balance | 802 | 427 | 802 | 427 |
Ending balance individually evaluated for impairment | 137 | 0 | 137 | 0 | 212
Ending balance collectively evaluated for impairment | 665 | 427 | 665 | 427 | 387
Loans, Ending balance individually evaluated for impairment | 511 | 389 | 511 | 389 | 543
Loans, Ending balance collectively evaluated for impairment | 49,578 | 48,452 | 49,578 | 48,452 | 50,138
Other [Member] |  |  |  |  |
Beginning balance | 135 | 108 | 139 | 128 |
Charge Offs | 0 | 28 | (16) | 1 |
Recoveries | 0 | (3) | 3 | (1) |
Provision | 1 | (34) | 10 | (29) |
Ending Balance | 136 | 99 | 136 | 99 |
Ending balance individually evaluated for impairment | 0 | 0 | 0 | 0 | 0
Ending balance collectively evaluated for impairment | 136 | 99 | 136 | 99 | 139
Loans, Ending balance individually evaluated for impairment | 0 | 0 | 0 | 0 | 0
Loans, Ending balance collectively evaluated for impairment | 207 | 3,877 | 207 | 3,877 | 216
Unallocated [Member] |  |  |  |  |
Beginning balance | 1 | 1 | (10) | 30 |
Charge Offs | 0 | 0 | 0 | 0 |
Recoveries | 0 | 0 | 1 | 0 |
Provision | 0 | 29 | 10 | 0 |
Ending Balance | 1 | 30 | 1 | 30 |
Ending balance individually evaluated for impairment | 0 | 0 | 0 | 0 | 0
Ending balance collectively evaluated for impairment | 1 | 30 | 1 | 30 | (10)
Loans, Ending balance individually evaluated for impairment | 0 | 0 | 0 | 0 | 0
Loans, Ending balance collectively evaluated for impairment | $ 0 | $ 0 | $ 0 | $ 0 | $ 0

X
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- Definition The sum of the periodic provision charged to earnings, based on an assessment of uncollectibility from the counterparty on account of loan, lease or other credit losses, to reduce these accounts to the amount that approximates their net realizable value. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher SEC -Name Regulation S-X (SX) -Number 210 -Section 04 -Paragraph 11 -Article 9 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -Subparagraph (c)(2) -URI http://asc.fasb.org/extlink&oid=7512638&loc=SL6953423-111524 Reference 3: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Statement of Financial Accounting Standard (FAS) -Number 95 -Paragraph 28 -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy. Reference 4: http://www.xbrl.org/2003/role/presentationRef -Publisher AICPA -Name Audit and Accounting Guide (AAG) -Number AAG-DEP -Paragraph 168, 169, 170 -IssueDate 2006-05-01 -Chapter 5 -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy. Reference 5: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 230 -SubTopic 10 -Section 45 -Paragraph 28 -Subparagraph (a) -URI http://asc.fasb.org/extlink&oid=6943989&loc=d3e3602-108585 Reference 6: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 225 -Section S99 -Paragraph 1 -Subparagraph (SX 210.9-04.11) -URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882 + Details
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