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DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS (Details) (USD $) In Thousands, unless otherwise specified | Dec. 31, 2012 | Dec. 31, 2011
--- | --- | ---
FINANCIAL ASSETS: |  |
Cash and cash equivalents | $ 26,820 | $ 34,783
Investment securities ? AFS | 151,538 | 182,923
Investment securities ? HTM | 14,266 | 12,914
Regulatory stock | 6,304 | 8,016
Loans held for sale | 10,722 | 7,195
Loans, net of allowance for loan loss and unearned income | 716,756 | 655,357
Accrued income receivable | 2,960 | 3,216
Bank owned life insurance | 36,214 | 35,351
Fair value swap asset | 164 | 346
FINANCIAL LIABILITIES: |  |
Deposits with no stated maturities | 520,002 | 482,859
Deposits with stated maturities | 320,930 | 338,683
Short-term borrowings | 15,660 | 15,765
All other borrowings | 30,442 | 23,606
Accrued interest payable | 2,083 | 2,523
Fair value swap liability | 164 | 346
Assets and liabilities considered financial instruments, percentage | 90.00% |
Level 1 [Member] |  |
FINANCIAL ASSETS: |  |
Cash and cash equivalents | 26,820 |
Regulatory stock | 6,304 |
Loans held for sale | 10,722 |
Accrued income receivable | 2,960 |
Bank owned life insurance | 36,214 |
FINANCIAL LIABILITIES: |  |
Deposits with no stated maturities | 520,002 |
Short-term borrowings | 15,660 |
Accrued interest payable | 2,083 |
Level 2 [Member] |  |
FINANCIAL ASSETS: |  |
Investment securities ? AFS | 151,538 |
Investment securities ? HTM | 11,321 |
Fair value swap asset | 164 |
FINANCIAL LIABILITIES: |  |
Fair value swap liability | 164 |
Level 3 [Member] |  |
FINANCIAL ASSETS: |  |
Investment securities ? HTM | 2,945 |
Loans, net of allowance for loan loss and unearned income | 716,756 |
FINANCIAL LIABILITIES: |  |
Deposits with stated maturities | 320,930 |
All other borrowings | 30,442 |
Carrying Value [Member] |  |
FINANCIAL ASSETS: |  |
Cash and cash equivalents | 26,820 | 34,783
Investment securities ? AFS | 151,538 | 182,923
Investment securities ? HTM | 13,723 | 12,280
Regulatory stock | 6,304 | 8,016
Loans held for sale | 10,576 | 7,110
Loans, net of allowance for loan loss and unearned income | 708,594 | 649,114
Accrued income receivable | 2,960 | 3,216
Bank owned life insurance | 36,214 | 35,351
Fair value swap asset | 164 | 346
FINANCIAL LIABILITIES: |  |
Deposits with no stated maturities | 520,002 | 482,859
Deposits with stated maturities | 315,732 | 333,561
Short-term borrowings | 15,660 | 15,765
All other borrowings | 26,085 | 19,085
Accrued interest payable | 2,083 | 2,523
Fair value swap liability | $ 164 | $ 346

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