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SELECTED QUARTERLY CONSOLIDATED FINANCIAL DATA (Details) (USD $) In Thousands, except Per Share data, unless otherwise specified | 3 Months Ended | 12 Months Ended
--- | --- | ---
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
SELECTED QUARTERLY CONSOLIDATED FINANCIAL DATA [Abstract] |  |  |  |  |  |  |  |  |  |  |
Interest income | $ 10,203 | $ 9,811 | $ 9,627 | $ 9,702 | $ 9,878 | $ 10,030 | $ 9,885 | $ 10,124 | $ 39,343 | $ 39,917 | $ 41,964
Interest expense | 1,605 | 1,611 | 1,606 | 1,660 | 1,796 | 1,888 | 1,964 | 2,066 | 6,482 | 7,714 | 9,681
Net Interest Income | 8,598 | 8,200 | 8,021 | 8,042 | 8,082 | 8,142 | 7,921 | 8,058 | 32,861 | 32,203 | 32,283
Credit provision for loan losses | (1,000) |  | 150 | (250) | 550 | (200) | (500) | (625) | (1,100) | (775) | (3,575)
Net Interest Income after credit provision for Loan Losses | 9,598 | 8,200 | 7,871 | 8,292 | 7,532 | 8,342 | 8,421 | 8,683 | 33,961 | 32,978 | 35,858
Non-interest income | 3,867 | 3,986 | 4,075 | 3,816 | 3,887 | 3,649 | 3,733 | 3,674 | 15,744 | 14,943 | 13,569
Non-interest expense | 10,746 | 10,413 | 10,442 | 10,622 | 10,373 | 10,087 | 10,067 | 10,114 | 42,223 | 40,641 | 40,037
PRETAX INCOME | 2,719 | 1,773 | 1,504 | 1,486 | 1,046 | 1,904 | 2,087 | 2,243 | 7,482 | 7,280 | 9,390
Provision for income taxes | 878 | 547 | 434 | 430 | 311 | 597 | 655 | 678 | 2,289 | 2,241 | 2,853
NET INCOME | $ 1,841 | $ 1,226 | $ 1,070 | $ 1,056 | $ 735 | $ 1,307 | $ 1,432 | $ 1,565 | $ 5,193 | $ 5,039 | $ 6,537
Basic | $ 0.10 | $ 0.06 | $ 0.05 | $ 0.05 | $ 0.04 | $ 0.05 | $ 0.06 | $ 0.06 | $ 0.26 | $ 0.21 | $ 0.24
Diluted | $ 0.09 | $ 0.06 | $ 0.05 | $ 0.05 | $ 0.04 | $ 0.05 | $ 0.06 | $ 0.06 | $ 0.26 | $ 0.21 | $ 0.24
Cash dividends declared | $ 0.01 | $ 0.01 | $ 0.01 | $ 0.00 | $ 0.00 | $ 0.00 | $ 0.00 | $ 0.00 | $ 0.03 | $ 0.00 | $ 0.00

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