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ALLOWANCE FOR LOAN LOSSES (Tables)

12 Months Ended

Dec. 31, 2012

ALLOWANCE FOR LOAN LOSSES [Abstract]

Schedule of Changes in Allowance for Loan Losses

		YEAR ENDED DECEMBER 31, 2010
		(IN THOUSANDS)
Balance January 1		$	19,685
Provision (credit) for loan losses			5,250
Recoveries on loans previously charged-off			461
Loans charged-off			(5,631	)
Balance December 31		$	19,765

Schedule of Changes in Allowance for Loan Losses by Portfolio Segment

	BALANCE AT DECEMBER 31, 2011				CHARGE- OFFS				RECOVERIES				PROVISION (CREDIT)				BALANCE AT DECEMBER 31, 2012
Commercial		$	2,365			$	(345)			$	138			$	438			$	2,596
Commercial loans secured by real estate			9,400				(796)				245				(1,053)				7,796
Real estate- mortgage			1,270				(420)				54				365				1,269
Consumer			174				(200)				47				129				150
Allocation for general risk			1,414				-				-				(654)				760
Total		$	14,623			$	(1,761)			$	484			$	(775)			$	12,571

		BALANCE AT DECEMBER 31, 2010				CHARGE- OFFS				RECOVERIES				PROVISION (CREDIT)				BALANCE AT DECEMBER 31, 2011
Commercial		$	3,851			$	(953	)		$	831			$	(1,364	)		$	2,365
Commercial loans secured by real estate			12,717				(1,700	)			331				(1,948	)			9,400
Real estate- mortgage			1,117				(85	)			53				185				1,270
Consumer			206				(203	)			159				12				174
Allocation for general risk			1,874				-				-				(460	)			1,414
Total		$	19,765			$	(2,941	)		$	1,374			$	(3,575	)		$	14,623

Schedule of Loan Portfolio and Allowance for Loan Loss by Primary Segments

		AT DECEMBER 31, 2012
		(IN THOUSANDS)
		COMMERCIAL				COMMERCIAL LOANS SECURED BY REAL ESTATE				REAL ESTATE- MORTGAGE				CONSUMER				TOTAL
Individually evaluated for impairment		$	-			$	4,793			$	-			$	13			$	4,806
Collectively evaluated for impairment			102,822				378,546				217,584				17,407				716,359
Total loans		$	102,822			$	383,339			$	217,584			$	17,420			$	721,165

		AT DECEMBER 31, 2012
		(IN THOUSANDS)
		COMMERCIAL				COMMERCIAL LOANS SECURED BY REAL ESTATE				REAL ESTATE- MORTGAGE				CONSUMER				ALLOCATION FOR GENERAL RISK				TOTAL
Specific reserve allocation		$	-			$	1,586			$	-			$	-			$	-			$	1,586
General reserve allocation			2,596				6,210				1,269				150				760				10,985
Total allowance for loan losses		$	2,596			$	7,796			$	1,269			$	150			$	760			$	12,571

		AT DECEMBER 31, 2011
		(IN THOUSANDS)
		COMMERCIAL				COMMERCIAL LOANS SECURED BY REAL ESTATE				REAL ESTATE- MORTGAGE				CONSUMER				TOTAL
Individually evaluated for impairment		$	-			$	3,870			$	-			$	-			$	3,870
Collectively evaluated for impairment			83,124				345,908				212,663				18,172				659,867
Total loans		$	83,124			$	349,778			$	212,663			$	18,172			$	663,737

		AT DECEMBER 31, 2011
		(IN THOUSANDS)
		COMMERCIAL				COMMERCIAL LOANS SECURED BY REAL ESTATE				REAL ESTATE- MORTGAGE				CONSUMER				ALLOCATION FOR GENERAL RISK				TOTAL
Specific reserve allocation		$	-			$	968			$	-			$	-			$	-			$	968
General reserve allocation			2,365				8,432				1,270				174				1,414				13,655
Total allowance for loan losses		$	2,365			$	9,400			$	1,270			$	174			$	1,414			$	14,623

Schedule of Impaired Loans

The following tables present impaired loans by class, segregated by those for which a specific allowance was required and those for which a specific allowance was not necessary.

		DECEMBER 31, 2012
		IMPAIRED LOANS WITH SPECIFIC ALLOWANCE								IMPAIRED LOANS WITH NO SPECIFIC ALLOWANCE				TOTAL IMPAIRED LOANS
		RECOREDED INVESTMENT				RELATED ALLOWANCE				RECOREDED INVESTMENT				RECOREDED INVESTMENT				UNPAID PRINCIPAL BALANCE
		(IN THOUSANDS)
Commercial loans secured by real estate		$	4,239			$	1,586			$	554			$	4,793			$	4,850
Consumer			-				-				13				13				13
Total impaired loans		$	4,239			$	1,586			$	567			$	4,806			$	4,863

		DECEMBER 31, 2011
		IMPAIRED LOANS WITH SPECIFIC ALLOWANCE								IMPAIRED LOANS WITH NO SPECIFIC ALLOWANCE				TOTAL IMPAIRED LOANS
		RECOREDED INVESTMENT				RELATED ALLOWANCE				RECOREDED INVESTMENT				RECOREDED INVESTMENT				UNPAID PRINCIPAL BALANCE
		(IN THOUSANDS)
Commercial loans secured by real estate		$	2,836			$	968			$	1,034			$	3,870			$	4,844
Total impaired loans		$	2,836			$	968			$	1,034			$	3,870			$	4,844

The following table presents the average recorded investment in impaired loans and related interest income recognized for the periods indicated.

		YEAR ENDED DECEMBER 31,
		2012				2011				2010
		(IN THOUSANDS)
Average impaired balance:
Commercial		$	13			$	503			$	3,591
Commercial loans secured by real estate			3,754				4,479				14,611
Consumer			3				-				-
Average investment in impaired loans		$	3,770			$	4,982			$	18,202
Interest income recognized:
Commercial		$	-			$	17			$	90
Commercial loans secured by real estate			-				150				368
Interest income recognized on a cash basis on impaired loans		$	-			$	167			$	458

Schedule of Classes of Loan Portfolio

		December 31, 2012
		PASS				SPECIAL MENTION				SUBSTANDARD				DOUBTFUL				TOTAL
		(IN THOUSANDS)
Commercial		$	99,886			$	28			$	2,908			$	-			$	102,822
Commercial loans secured by real estate			343,885				20,836				17,010				1,608				383,339
Total		$	443,771			$	20,864			$	19,918			$	1,608			$	486,161

		December 31, 2011
		PASS				SPECIAL MENTION				SUBSTANDARD				DOUBTFUL				TOTAL
		(IN THOUSANDS)
Commercial		$	80,175			$	2,186			$	763			$	-			$	83,124
Commercial loans secured by real estate			305,066				28,138				16,244				330				349,778
Total		$	385,241			$	30,324			$	17,007			$	330			$	432,902

It is the policy of the bank that the outstanding balance of any residential mortgage loan that exceeds 90-days past due as to principal and/or interest is transferred to non-accrual status and an evaluation is completed to determine the fair value of the collateral less selling costs. A charge down is recorded for any deficiency balance determined from the collateral evaluation. The remaining non-accrual balance is reported as impaired with no specific allowance. It is the policy of the bank that the outstanding balance of any consumer loan that exceeds 90-days past due as to principal and/or interest is charged off. The following tables present the performing and non-performing outstanding balances of the residential and consumer portfolios (in thousands).

		December 31, 2012
		PERFORMING				NON- PERFORMING
		(IN THOUSANDS)
Real estate-mortgage		$	216,393			$	1,191
Consumer			17,407				13
Total		$	233,800			$	1,204

		December 31, 2011
		PERFORMING				NON- PERFORMING
		(IN THOUSANDS)
Real estate-mortgage		$	211,458			$	1,205
Consumer			18,172				-
Total		$	229,630			$	1,205

Schedule of Classes of Loan Portfolio Summarized by Aging Categories

		December 31, 2012
		CURRENT				30 - 59 DAYS PAST DUE				60 - 89 DAYS PAST DUE				90 DAYS PAST DUE				TOTAL PAST DUE				TOTAL LOANS				90 DAYS PAST DUE AND STILL ACCRUING
		(IN THOUSANDS)
Commercial		$	102,775			$	-			$	47			$	-			$	47			$	102,822			$	-
Commercial loans secured by real estate			379,834				-				2,545				960				3,505				383,339				-
Real estate-mortgage			213,300				3,240				303				741				4,284				217,584				-
Consumer			17,371				16				33				-				49				17,420				-
Total		$	713,280			$	3,256			$	2,928			$	1,701			$	7,885			$	721,165			$	-

		December 31, 2011
		CURRENT				30 - 59 DAYS PAST DUE				60 - 89 DAYS PAST DUE				90 DAYS PAST DUE				TOTAL PAST DUE				TOTAL LOANS				90 DAYS PAST DUE AND STILL ACCRUING
		(IN THOUSANDS)
Commercial		$	83,124			$	-			$	-			$	-			$	-			$	83,124			$	-
Commercial loans secured by real estate			347,671				650				-				1,457				2,107				349,778				-
Real estate-mortgage			209,060				2,133				629				841				3,603				212,663				-
Consumer			18,115				57				-				-				57				18,172				-
Total		$	657,970			$	2,840			$	629			$	2,298			$	5,767			$	663,737			$	-

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Tabular disclosure of financing receivables (examples of financing receivables include loans, trade accounts receivable and notes receivable) and activity in the allowance for credit losses account.

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Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics.

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Tabular disclosure of financing receivables that are past due but not impaired, financing receivables that are 90 days past due and still accruing, and financing receivables on nonaccrual status.

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Tabular disclosure of the activity in the total allowance for credit losses related to financing receivables (such as loans or lease receivables) for entities that have an unclassified balance sheet, including the balance in the allowance at the beginning and end of each period, additions charged to operations, direct write-downs charged against the allowance, and recoveries of amounts previously charged off.

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