Stewardship Financial (SSFN) 10-K 27 Mar 15 2014 FY Annual report Financial data

Document_and_Entity_Informatio

Document and Entity Information (USD $)	12 Months Ended
	Dec. 31, 2014	Mar. 20, 2015	Jun. 30, 2014
Document And Entity Information
Entity Registrant Name	STEWARDSHIP FINANCIAL CORP
Entity Central Index Key	1023860
Document Type	10-K
Document Period End Date	31-Dec-14
Amendment Flag	FALSE
Current Fiscal Year End Date	-19
Entity a Well-known Seasoned Issuer	No
Entity a Voluntary Filer	No
Entity Reporting Status Current	Yes
Entity Filer Category	Smaller Reporting Company
Entity Public Float			$22,992,000
Entity Common Stock, Shares Outstanding		5,998,857
Document Fiscal Period Focus	FY
Document Fiscal Year Focus	2014

Consolidated_Statements_of_Fin

Consolidated Statements of Financial Condition (USD $)	Dec. 31, 2014	Dec. 31, 2013
Assets
Cash and due from banks	$9,849,000	$17,024,000
Other interest-earning assets	237,000	381,000
Cash and cash equivalents	10,086,000	17,405,000
Securities available-for-sale	124,918,000	168,411,000
Securities held to maturity; estimated fair value of $56,233,000 (2014) and $27,221,000 (2013)	55,097,000	25,964,000
Federal Home Loan Bank of New York stock, at cost	3,777,000	2,133,000
Loans held for sale		2,800,000
Loans, net of allowance for loan losses of $9,602,000 (2014) and $9,915,000 (2013)	467,699,000	424,262,000
Premises and equipment, net	6,577,000	5,739,000
Accrued interest receivable	1,994,000	2,066,000
Other real estate owned, net	1,308,000	451,000
Bank owned life insurance	13,708,000	13,303,000
Other assets	8,387,000	10,974,000
Total assets	693,551,000	673,508,000
Deposits:
Noninterest-bearing	136,721,000	133,565,000
Interest-bearing	419,755,000	444,026,000
Total deposits	556,476,000	577,591,000
Federal Home Loan Bank of New York advances	66,700,000	25,000,000
Securities sold under agreements to repurchase		7,300,000
Subordinated debentures	7,217,000	7,217,000
Accrued interest payable	308,000	401,000
Accrued expenses and other liabilities	3,881,000	2,220,000
Total liabilities	634,582,000	619,729,000
Commitments and contingencies
Shareholders' equity
Preferred stock, no par value; 2,500,000 shares authorized; 15,000 and 15,000 shares issued and outstanding at December 31, 2014 and 2013, respectively. Liquidation preference of $15,000,000	14,984,000	14,974,000
Common stock, no par value; 10,000,000 shares authorized; 6,034,933 and 5,943,767 shares issued and outstanding at December 31, 2014, and 2013, respectively	41,125,000	40,690,000
Retained earnings	3,817,000	1,905,000
Accumulated other comprehensive income (loss), net	-957,000	-3,790,000
Total Shareholders' equity	58,969,000	53,779,000
Total liabilities and Shareholders' equity	$693,551,000	$673,508,000

Consolidated_Statements_of_Fin1

Consolidated Statements of Financial Condition (Parenthetical) (USD $)	Dec. 31, 2014	Dec. 31, 2013
Assets
Securities held to maturity	$56,233,000	$27,221,000
Allowance for loan losses	9,602,000	9,915,000
Shareholders' equity
Preferred stock, shares authorized	2,500,000	2,500,000
Preferred stock, shares issued	15,000	15,000
Preferred stock, shares outstanding	15,000	15,000
Preferred stock, liquidation preference	$15,000,000	$15,000,000
Common stock, shares authorized	10,000,000	10,000,000
Common stock, shares issued	6,034,933	5,943,767
Common stock, shares outstanding	6,034,933	5,943,767

Consolidated_Statements_of_Inc

Consolidated Statements of Income (USD $)	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013
Interest income:
Loans	$21,119,000	$22,651,000
Securities held to maturity:
Taxable	580,000	287,000
Nontaxable	648,000	756,000
Securities available-for-sale:
Taxable	2,444,000	2,485,000
Nontaxable	24,000	271,000
FHLB dividends	94,000	92,000
Other interest-earning assets	25,000	29,000
Total interest income	24,934,000	26,571,000
Interest expense:
Deposits	1,807,000	2,336,000
Borrowed money	1,400,000	1,477,000
Total interest expense	3,207,000	3,813,000
Net interest income before provision for loan losses	21,727,000	22,758,000
Provision for loan losses	-50,000	3,775,000
Net interest income after provision for loan losses	21,777,000	18,983,000
Noninterest income:
Fees and service charges	2,003,000	1,865,000
Bank owned life insurance	405,000	351,000
Gain on calls and sales of securities, net	165,000	153,000
Gain on sales of mortgage loans	72,000	649,000
Loss on sale of loans	-241,000	-372,000
Gain on sale of other real estate owned	63,000	326,000
Gain on life insurance proceeds		537,000
Miscellaneous	493,000	456,000
Total noninterest income	2,960,000	3,965,000
Noninterest expenses:
Salaries and employee benefits	10,597,000	10,501,000
Occupancy, net	1,934,000	2,045,000
Equipment	687,000	794,000
Data processing	1,702,000	1,425,000
Advertising	820,000	558,000
FDIC insurance premium	580,000	876,000
Charitable contributions	180,000	130,000
Stationery and supplies	212,000	209,000
Legal	430,000	537,000
Bank-card related services	517,000	526,000
Other real estate owned	430,000	143,000
Miscellaneous	2,144,000	2,094,000
Total noninterest expenses	20,233,000	19,838,000
Income before income tax expense	4,504,000	3,110,000
Income tax expense	1,419,000	640,000
Net income	3,085,000	2,470,000
Dividends on preferred stock	683,000	633,000
Net income available to common shareholders	$2,402,000	$1,837,000
Basic and diluted earnings per common share	$0.40	$0.31
Weighted average number of basic and diluted common shares outstanding	6,003,814	5,937,058

Consolidated_Statements_of_Com

Consolidated Statements of Comprehensive Income (Loss) (USD $)	3 Months Ended								12 Months Ended
	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2013	Sep. 30, 2013	Jun. 30, 2013	Mar. 31, 2013	Dec. 31, 2014	Dec. 31, 2013
Consolidated Statements of Comprehensive Income (Loss) [Abstract]
Net income	$1,301,000	$552,000	$726,000	$506,000	$665,000	$522,000	$461,000	$822,000	$3,085,000	$2,470,000
Other comprehensive income (loss), net of tax:
Change in unrealized holding gains (losses) on securities available-for-sale arising during the period									3,162,000	-4,306,000
Unrealized loss on securities reclassified from available for sale to held to maturity									-457,000
Accretion of unrealized loss on securities reclassified to held to maturity									80,000
Reclassification adjustment for gains in net income									-99,000	-96,000
Change in fair value of interest rate swap in a cash flow hedging relationship									147,000	152,000
Total other comprehensive income (loss)									2,833,000	-4,250,000
Total comprehensive income (loss)									$5,918,000	($1,780,000)

Consolidated_Statement_of_Chan

Consolidated Statement of Changes in Shareholders' Equity (USD $)	Total	Preferred Stock [Member]	Common Stock [Member]	Retained Earnings [Member]	Accumulated Other Comprehensive Income (Loss), Net [Member]
Balance beginning at Dec. 31, 2012	$56,346,000	$14,964,000	$40,606,000	$316,000	$460,000
Balance beginning, shares at Dec. 31, 2012			5,924,865
Cash dividends declared on common stock	-238,000			-238,000
Payment of discount on dividend reinvestment plan	-2,000		-2,000
Cash dividends declared on preferred stock	-633,000			-633,000
Common stock issued under dividend reinvestment plan	36,000		36,000
Common stock issued under dividend reinvestment plan, shares			7,647
Common stock issued under stock plans	50,000		50,000
Common stock issued under stock plans, shares			11,255
Amortization of issuance costs		10,000		-10,000
Net income	2,470,000			2,470,000
Other comprehensive income (loss)	-4,250,000				-4,250,000
Balance ending at Dec. 31, 2013	53,779,000	14,974,000	40,690,000	1,905,000	-3,790,000
Balance ending, shares at Dec. 31, 2013	5,943,767		5,943,767
Cash dividends declared on common stock	-300,000			-300,000
Payment of discount on dividend reinvestment plan	-2,000		-2,000
Cash dividends declared on preferred stock	-683,000			-683,000
Common stock issued under dividend reinvestment plan	37,000		37,000
Common stock issued under dividend reinvestment plan, shares			8,589
Common stock issued under stock plans	151,000		151,000
Common stock issued under stock plans, shares			32,916
Issuance of restricted stock			249,000	-249,000
Issuance of restricted stock, shares			49,661
Amortization of restricted stock	69,000			69,000
Amortization of issuance costs		10,000		-10,000
Net income	3,085,000			3,085,000
Other comprehensive income (loss)	2,833,000				2,833,000
Balance ending at Dec. 31, 2014	$58,969,000	$14,984,000	$41,125,000	$3,817,000	($957,000)
Balance ending, shares at Dec. 31, 2014	6,034,933		6,034,933

Consolidated_Statement_of_Chan1

Consolidated Statement of Changes in Shareholders' Equity (Parenthetical) (USD $)	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013
Consolidated Statements of Changes in Shareholders' Equity [Abstract]
Cash dividends declared on common stock, dividend per share	$0.05	$0.04

Consolidated_Statements_of_Cas

Consolidated Statements of Cash Flows (USD $)	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013
Cash flows from operating activities:
Net income	$3,085,000	$2,470,000
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization of premises and equipment	420,000	428,000
Amortization of premiums and accretion of discounts, net	943,000	1,299,000
Amortization of restricted stock	69,000
Accretion of deferred loan fees	42,000	44,000
Provision for loan losses	-50,000	3,775,000
Originations of mortgage loans held for sale	-4,608,000	-39,815,000
Proceeds from sale of mortgage loans	4,680,000	41,248,000
Proceeds from sale of loans	2,559,000	3,089,000
Gain on sales of mortgage loans	-72,000	-649,000
Loss on sale of loans	241,000	372,000
Gain on sales and calls of securities	-165,000	-153,000
Gain on sale of other real estate owned	-63,000	-326,000
Deferred income tax expense	626,000	370,000
Decrease in accrued interest receivable	72,000	306,000
Decrease in accrued interest payable	-93,000	-159,000
Earnings on bank owned life insurance	-405,000	-351,000
Gain on life insurance proceeds		-537,000
Decrease in other assets	300,000	2,047,000
Increase in other liabilities	1,808,000	704,000
Net cash provided by operating activities	9,389,000	14,162,000
Cash flows from investing activities:
Purchase of securities available for sale	-6,319,000	-48,539,000
Proceeds from maturities and principal repayments on securities available-for-sale	18,247,000	27,768,000
Proceeds from sales and calls on securities available-for-sale	11,155,000	18,823,000
Purchase of securities held to maturity	-12,940,000
Proceeds from maturities and principal repayments on securities held to maturity	7,824,000	2,491,000
Proceeds from calls on securities held to maturity		1,170,000
(Purchase) Sale of FHLB-NY stock	-1,644,000	80,000
Net (increase) decrease in loans	-45,869,000	-4,859,000
Proceeds from sale of other real estate owned	1,608,000	1,253,000
Purchase of bank owned life insurance		-3,000,000
Life insurance proceeds		1,055,000
Additions to premises and equipment	-1,258,000	-522,000
Net cash used in investing activities	-29,196,000	-4,280,000
Cash flows from financing activities:
Net increase in noninterest-bearing deposits	3,156,000	9,279,000
Net decrease in interest-bearing deposits	-24,271,000	-21,942,000
Net increase in long term borrowings	15,000,000
Net decrease in securities sold under agreements to repurchase	-7,300,000	-43,000
Net increase in short term borrowings	26,700,000
Cash dividends paid on common stock	-300,000	-238,000
Cash dividends paid on preferred stock	-683,000	-633,000
Payment of discount on dividend reinvestment plan	-2,000	-2,000
Issuance of common stock	188,000	86,000
Net cash provided by (used in) financing activities	12,488,000	-13,493,000
Net increase (decrease) in cash and cash equivalents	-7,319,000	-3,611,000
Cash and cash equivalents - beginning	17,405,000	21,016,000
Cash and cash equivalents - ending	10,086,000	17,405,000
Supplemental disclosures of cash flow information:
Cash paid during the period for interest	3,300,000	3,972,000
Cash paid during the period for income taxes	358,000	275,000
Transfers from loans to loans held for sale		6,261,000
Reclassification of securities available-for-sale to held-to-maturity	24,022,000
Transfers from loans to other real estate owned	$2,440,000	$349,000

SIGNIFICANT_ACCOUNTING_POLICIE

SIGNIFICANT ACCOUNTING POLICIES	12 Months Ended
	Dec. 31, 2014
SIGNIFICANT ACCOUNTING POLICIES [Abstract]
SIGNIFICANT ACCOUNTING POLICIES	Note 1.  SIGNIFICANT ACCOUNTING POLICIES
	Nature of operations and principles of consolidation
	The consolidated financial statements include the accounts of Stewardship Financial Corporation and its wholly owned subsidiary, Atlantic Stewardship Bank (“the Bank”), together referred to as “the Corporation”.  The Bank includes its wholly-owned subsidiaries, Stewardship Investment Corporation (whose primary business is to own and manage an investment portfolio), Stewardship Realty LLC (whose primary business is to own and manage property at 612 Godwin Avenue, Midland Park, New Jersey), Atlantic Stewardship Insurance Company, LLC (whose primary business is insurance) and several other subsidiaries formed to hold title to properties acquired through foreclosure or deed in lieu of foreclosure.  The Bank's subsidiaries have an insignificant impact on the daily operations.  All intercompany accounts and transactions are eliminated in the consolidated financial statements.
	The Corporation provides financial services through the Bank's offices in Bergen, Passaic, and Morris Counties, New Jersey.  Its primary deposit products are checking, savings, and term certificate accounts, and its primary lending products are commercial, residential mortgage and installment loans.  Substantially all loans are secured by specific items of collateral including business assets, consumer assets, and commercial and residential real estate.  Commercial loans are expected to be repaid from cash flow generated from the operations of businesses.  There are no significant concentrations of loans to any one industry or customer.  The Corporation's lending activities are concentrated in loans secured by real estate located in northern New Jersey and, therefore, collectability of the loan portfolio is susceptible to changes in real estate market conditions in the northern New Jersey market.  The Corporation has not made loans to borrowers outside the United States.
	Basis of consolidated financial statements presentation
	The consolidated financial statements of the Corporation have been prepared in conformity with U.S. generally accepted accounting principles (“GAAP”).  In preparing the financial statements, management is required to make estimates and assumptions, based on available information, that affect the amounts reported in the financial statements and the disclosures provided.  The estimate of the allowance for loan losses, the valuation of deferred tax assets, and fair value and impairment of securities are particularly critical because they involve a higher degree of complexity and subjectivity and require estimates and assumptions about highly uncertain matters. Actual results may differ from those estimates and assumptions. The current economic environment has increased the degree of uncertainty inherent in these material estimates.
	Cash flows
	Cash and cash equivalents include cash and deposits with other financial institutions under 90 days and interest-bearing deposits in other banks with original maturities under 90 days.  Net cash flows are reported for customer loan and deposit transactions, and short term borrowings and securities sold under agreement to repurchase.
	Securities available-for-sale and held to maturity
	The Corporation classifies its securities as held to maturity or available-for-sale.  Investments in debt securities that the Corporation has the positive intent and ability to hold to maturity are classified as securities held to maturity and are carried at amortized cost.  All other securities are classified as securities available-for-sale.  Securities available-for-sale may be sold prior to maturity in response to changes in interest rates or prepayment risk, for asset/liability management purposes, or other similar factors.  These securities are carried at fair value with unrealized holding gains or losses reported in a separate component of shareholders' equity, net of the related tax effects.
	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.
	Federal Home Loan Bank (“FHLB”) Stock
	The Bank is a member of the FHLB system.  Members are required to own a certain amount of FHLB stock based on the level of borrowings and other factors.  FHLB stock is carried at cost, classified as a restricted security, and periodically evaluated for impairment based on the ultimate recovery of par value.  Cash dividends are reported as income.
	Loans held for sale
	Loans held for sale generally represent mortgage loans originated and intended for sale in the secondary market, which are carried at the lower of cost or fair value on an aggregate basis.  Mortgage loans held for sale are carried net of deferred fees, which are recognized as income at the time the loans are sold to permanent investors.  Gains or losses on the sale of mortgage loans held for sale are recognized at the settlement date and are determined by the difference between the net proceeds and the amortized cost.  All loans are sold with loan servicing rights released to the buyer.  There were no loans held for sale at December 31, 2014.
	Loans held for sale at December 31, 2013 represent a group of nonperforming loans to a single borrower that were being marketed for sale.  The estimated fair value was based on the fair value of the notes.
	Loans
	Loans that management has the intent and ability to hold for the foreseeable future or until maturity or payoff are reported at the principal amount outstanding, net of deferred loan fees and costs and an allowance for loan losses.  Interest income is accrued on the unpaid principal balance.  Loan origination fees, net of certain direct origination costs, are deferred and recognized in interest income using the level-yield method without anticipating prepayments.  The recorded investment in loans represents the outstanding principal balance after charge-offs and does not include accrued interest receivable as the inclusion is not significant to the reported amounts.
	Interest income on loans is discontinued at the time the loan is 90 days delinquent unless the loan is well secured and in process of collection.  Past due status is based on the contractual terms of the loan.  In all cases, loans are placed on nonaccrual or are 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.
	All interest accrued but not received for loans placed on nonaccrual 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 an 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 management believes the collectability of the full loan balance is in doubt.  Subsequent recoveries, if any, are credited to the allowance.  Management estimates the allowance balance required using past loan loss experience, the nature and volume of the portfolio, information about specific borrower situations and estimated collateral values, economic conditions and other factors.  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.
	A loan is considered impaired when, based on current information and events, it is probable that the Corporation will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement.  Loans for which the terms have been modified and for which the borrower is experiencing financial difficulties are considered troubled debt restructuring 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.  Management determines 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.  Impairment is measured on a loan by loan basis by either the present value of expected future cash flows discounted at the loan's effective interest rate, the fair value of the note, or the fair value of the collateral if the loan is collateral-dependent.  Large groups of smaller balance homogeneous loans, such as consumer and residential real estate loans are collectively evaluated for impairment and, accordingly, they are not separately identified for impairment disclosures.  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, the Corporation determines the amount of reserve in accordance with the accounting policy for the allowance for loan losses.
	The general component of the allowance is based on historical loss experience, including an appropriate loss emergence period, adjusted for qualitative factors.  The historical loss experience is determined for each portfolio segment and class, and is based on the actual loss history experienced by the Corporation over the most recent 5 years.  For each portfolio segment the Bank prepares an analysis which examines the historical loss experience as well as the loss emergence period.  The analysis is updated quarterly for the purpose of determining the assigned allocation factors which are essential components of the allowance for loan losses calculation.  This actual loss experience is supplemented with other qualitative factors based on the risks present for each portfolio segment or class.  These qualitative factors include consideration of the following: levels of and trends in charge-offs; levels of and trends in delinquencies and impaired loans; levels and trends in loan size; levels of real estate concentrations; national and local economic trends and conditions; the depth and experience of lending management and staff; and other changes in lending policies, procedures, and practices.
	For purposes of determining the allowance for loan losses, loans in the portfolio are segregated by type into the following segments: commercial, commercial real estate, construction, residential real estate, consumer and other.  The Corporation also sub-divides these segments into classes based on the associated risks within those segments.  Commercial loans are divided into the following two classes: secured by real estate and other.  Construction loans are divided into the following two classes: commercial and residential.  Consumer loans are divided into two classes: secured by real estate and other.  The models and assumptions used to determine the allowance require management's judgment.  Assumptions, data and computations are appropriately reviewed and properly documented.
	The risk characteristics of each of the identified portfolio segments are as follows:
	Commercial – Commercial loans are generally of higher risk and typically are made on the basis of the borrower's ability to make repayment from the cash flow of the borrower's business.  As a result, the availability of funds for the repayment of commercial loans may depend substantially on the success of the business itself.  Furthermore, any collateral securing such loans may depreciate over time, may be difficult to appraise and may fluctuate in value.
	Commercial Real Estate – Commercial real estate loans are secured by multi-family and nonresidential real estate and generally have larger balances and generally are considered to involve a greater degree of risk than residential real estate loans.  Commercial real estate loans depend on the global cash flow analysis of the borrower and the net operating income of the property, the borrower's expertise, credit history and profitability, and the value of the underlying property.  Of primary concern in commercial real estate lending is the borrower's creditworthiness and the cash flow from the property.  Payments on loans secured by income producing properties often depend on successful operation and management of the properties.  As a result, repayment of such loans may be subject, to a greater extent than residential real estate loans, to adverse conditions in the real estate market or the economy.  Commercial real estate is also subject to adverse market conditions that cause a decrease in market value or lease rates, obsolescence in location or function and market conditions associated with over supply of units in a specific region.
	Construction – Construction financing is generally considered to involve a higher degree of risk of loss than long-term financing on improved, occupied real estate.  Risk of loss on a construction loan depends largely upon the accuracy of the initial estimate of the property's value at completion of construction and the estimated cost of construction.  During the construction phase, a number of factors could result in delays and cost overruns.  If the estimate of construction costs proves to be inaccurate, additional funds may be required to be advanced in excess of the amount originally committed to permit completion of the building.  If the estimate of value proves to be inaccurate, the value of the building may be insufficient to assure full repayment if liquidation is required.  If foreclosure is required on a building before or at completion due to a default, there can be no assurance that all of the unpaid balance of, and accrued interest on, the loan as well as related foreclosure and holding costs will be recovered.
	Residential Real Estate – Residential real estate loans are generally made on the basis of the borrower's ability to make repayment from his or her employment income or other income, and which are secured by real property whose value tends to be more easily ascertainable.  Repayment of residential real estate loans is subject to adverse employment conditions in the local economy leading to increased default rate and decreased market values from oversupply in a geographic area.  In general, residential real estate loans depend on the borrower's continuing financial stability and, therefore, are likely to be adversely affected by various factors, including job loss, divorce, illness or personal bankruptcy.  Furthermore, the application of various federal and state laws, including federal and state bankruptcy and insolvency laws, may limit the amount that can be recovered on such loans.
	Consumer loans – Consumer loans secured by real estate may entail greater risk than residential mortgage loans due to a lower lien position.  In addition, other consumer loans, particularly loans secured by assets that depreciate rapidly, such as motor vehicles, are subject to greater risk.  In all cases, collateral for a defaulted consumer loan may not provide an adequate source of repayment for the outstanding loan and a small remaining deficiency often does not warrant further substantial collection efforts against the borrower.  Consumer loan collections depend on the borrower's continuing financial stability and, therefore, are likely to be adversely affected by various factors, including job loss, divorce, illness or personal bankruptcy.  Furthermore, the application of various federal and state laws, including federal and state bankruptcy and insolvency laws, may limit the amount that can be recovered on such loans.
	Generally, when it is probable that some portion or all of a loan balance will not be collected, regardless of portfolio segment, that amount is charged-off as a loss against the allowance for loan losses. On loans secured by real estate, the charge-offs reflect partial writedowns due to the initial valuation of market values of the underlying real estate collateral in accordance with Financial Accounting Standards Board (“FASB”) Accounting Standards Codification (“ASC”) 310-40.  Consumer loans are generally charged-off in full when they reach 90 – 120 days past due.
	Transfers of Financial Assets
	Transfers of financial assets are accounted for as sales, when control over the assets has been relinquished.  Control over transferred assets is deemed to be surrendered when the assets have been isolated from the Corporation, the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets, and the Corporation does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity.
	Premises and equipment
	Land is stated at cost.  Buildings and improvements and furniture, fixtures and equipment are stated at cost, less accumulated depreciation computed on the straight-line method over the estimated lives of each type of asset.  Estimated useful lives are three to forty years for buildings and improvements and three to twenty-five years for furniture, fixtures and equipment.  Leasehold improvements are stated at cost less accumulated amortization computed on the straight-line method over the shorter of the term of the lease or useful life.
	Long-Term Assets
	Premises and equipment and other long-term assets are reviewed for impairment when events indicate their carrying amount may not be recovered from future undiscounted cash flows.  If impaired, the assets are recorded at fair value.
	Other Real Estate Owned
	Other real estate owned (OREO) consists of property acquired through foreclosure or deed in lieu of foreclosure and property that is in-substance foreclosed.  OREO is initially recorded at fair value less estimated selling costs.  When a property is acquired, the excess of the carrying amount over fair value, if any, is charged to the allowance for loan losses.  Subsequent adjustments to the carrying value are recorded in an allowance for OREO and charged to OREO expense.
	Bank owned life insurance
	The Corporation has purchased life insurance policies on certain key officers.  Bank 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.
	Dividend Reinvestment Plan
	The Corporation offers shareholders the opportunity to participate in a dividend reinvestment plan. Plan participants may reinvest cash dividends to purchase new shares of stock at 95% of the market value, based on the most recent trades.  Cash dividends due to the plan participants are utilized to acquire shares from either, or a combination of, the issuance of authorized shares or purchases of shares in the open market through an approved broker. The Corporation reimburses the broker for the 5% discount when the purchase of the Corporation's stock is completed.  The plan is considered to be non-compensatory.
	Stock-based compensation
	Stock-based compensation cost is based on the fair value of the awards at the date of grant. The fair value of restricted stock awards is based upon the average of the high and low sale price reported for the Corporation's common stock on the date of grant. Compensation cost is recognized for restricted stock over the required service period, generally defined as the vesting period.
	Income taxes
	The Corporation records income taxes in accordance with ASC 740, Income Taxes, as amended, using the asset and liability method.  Accordingly, deferred tax assets and liabilities: (i) are recognized for the expected future tax consequences of events that have been recognized in the financial statements or tax returns; (ii) are attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases; and (iii) are measured using enacted tax rates expected to apply in the years when those temporary differences are expected to be recovered or settled.  Where applicable, deferred tax assets are reduced by a valuation allowance for any portions determined not likely to be realized.  The effect on deferred tax assets and liabilities of a change in tax rates is recognized in income tax expense in the period of enactment.  The valuation allowance is adjusted, by a charge or credit to income tax expense, as changes in facts and circumstances warrant.
	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.  The Corporation recognizes interest and/or penalties related to income tax matters in income tax expense.
	Comprehensive income (loss)
	Comprehensive income (loss) consists of net income and other comprehensive income (loss).  Other comprehensive income includes unrealized gains and losses on securities available-for-sale, accretion of losses related to securities transferred from available-for-sale to held to maturity, and unrealized gains or losses on cash flow hedges, net of tax, which are also recognized as separate components of equity.
	Earnings per common share
	Basic earnings per common share is calculated by dividing net income available to common shareholders by the weighted average number of common shares outstanding during the period.  Common stock equivalents are not included in the calculation.
	Diluted earnings per share is computed similar to that of the basic earnings per share except that the denominator is increased to include the number of additional common shares that would have been outstanding if all potential dilutive common shares were issued.
	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.
	Loss contingencies
	Loss contingencies, including claims and legal actions arising in the ordinary course of business, are recorded as liabilities when the likelihood of loss is probable and an amount or range of loss can be reasonably estimated.  Management does not believe there are such matters that will have a material effect on the financial statements.
	Dividend restriction
	Banking regulations require maintaining certain capital levels and may limit the dividends paid by the Bank to the Corporation or by the Corporation to its shareholders. The Corporation's ability to pay cash dividends is based, among other things, on its ability to receive cash 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 profits, combined with the retained net profits of the preceding two years.  At December 31, 2014 the Bank could have paid dividends totaling approximately $3.94 million. At December 31, 2014, this restriction did not result in any effective limitation in the manner in which the Corporation is currently operating.  See Note 10 to the consolidated financial statements with respect to restrictions on the Corporation's ability to declare and pay dividends resulting from the terms of the Corporation's Series B Preferred Shares.
	Derivatives
	Derivative financial instruments are recognized as assets or liabilities at fair value.  The Corporation's only free standing derivative consists of an interest rate swap agreement, which is used as part of its asset liability management strategy to help manage interest rate risk related to its subordinated debentures.  The Corporation does not use derivatives for trading purposes.
The Corporation designated the interest rate swap as a cash flow hedge, which is a hedge of a forecasted transaction or the variability of cash flows to be received or paid related to a recognized asset or liability.  For a cash flow hedge, the change in the fair value on the derivative is reported in other comprehensive income (loss) and is reclassified into earnings in the same periods during which the hedged transaction affects earnings.  Net cash settlements on this interest rate swap that qualify for hedge accounting are recorded in interest expense.  Changes in the fair value of derivatives that are not highly effective in hedging the changes in fair value or expected cash flows of the hedged item are recognized immediately in current earnings.
The Corporation formally documented the risk-management objective and the strategy for undertaking the hedge transaction at the inception of the hedging relationship.  This documentation includes linking the fair value of the cash flow hedge to the subordinated debt on the balance sheet.  The Corporation formally assessed, both at the hedge's inception and on an ongoing basis, whether the derivative instrument used is highly effective in offsetting changes in cash flows of the subordinated debt.
When a cash flow hedge is discontinued but the hedged cash flows or forecasted transactions are still expected to occur, gains or losses that would be accumulated in other comprehensive income are amortized into earnings over the same periods which the hedged transactions will affect earnings.
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.
Adoption of New Accounting Standards
In July 2013, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“ASU”) No. 2013-11, "Income Taxes, Presentation of an Unrecognized Tax Benefit When a Net Operating Loss Carryforward, a Similar Tax Loss, or a Tax Credit Carryforward Exists".  This ASU requires that an unrecognized tax benefit, or a portion thereof, should be presented in the consolidated 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.  This ASU applies to all entities that have unrecognized tax benefits when a net operating loss carryforward, a similar tax loss, or a tax credit carryforward exists at the reporting date.  The standard is effective for reporting periods, including interim periods, beginning after December 15, 2013.  The adoption of the standard did not have a material effect on the Corporation's consolidated financial statements.
In January 2014, the FASB issued ASU 2014-04, “Receivables – Troubled Debt Restructurings by Creditors (Subtopic 310-40) Reclassification of Residential Real Estate Collateralized Consumer Mortgage Loans upon Foreclosure,”  This ASU applies to all creditors who obtain physical possession of residential real estate property collateralizing a consumer mortgage loan in satisfaction of a receivable.  The amendments in this ASU clarify when an in substance repossession or foreclosure occurs and requires disclosure of both (1) the amount of foreclosed residential real estate property held by a creditor and (2) the recorded investment in consumer mortgage loans collateralized by residential real estate property that are in the process of foreclosure according to local requirements of the applicable jurisdiction. The amendments in ASU 2014-04 are effective for fiscal years, including interim periods, beginning after December 15, 2014.  The adoption of the amendments in this ASU are not expected to have a material impact on the Corporation's consolidated financial statements.

SECURITIES_AVAILABLEFORSALE_AN

SECURITIES - AVAILABLE-FOR-SALE AND HELD TO MATURITY	12 Months Ended
	Dec. 31, 2014
SECURITIES - AVAILABLE-FOR-SALE AND HELD TO MATURITY [Abstract]
SECURITIES - AVAILABLE-FOR-SALE AND HELD TO MATURITY	Note 2.  SECURITIES - AVAILABLE-FOR-SALE AND HELD TO MATURITY
	The fair value of the available-for-sale securities and the related gross unrealized gains and losses recognized in accumulated other comprehensive income were as follows:
			December 31, 2014
			Amortized					Gross Unrealized									Fair
			Cost					Gains					Losses				Value
	U.S. government-sponsored agencies		$	30,701,000				$	94,000				$	521,000			$	30,274,000
	Obligations of state and political subdivisions			1,420,000					2,000					22,000				1,400,000
	Mortgage-backed securities-residential			76,894,000					521,000					672,000				76,743,000
	Asset-backed securities (a)			9,874,000					57,000					16,000				9,915,000
	Corporate debt			2,998,000					6,000					7,000				2,997,000
	Total debt securities			121,887,000					680,000					1,238,000				121,329,000
	Other equity investments			3,664,000					—					75,000				3,589,000
			$	125,551,000				$	680,000				$	1,313,000			$	124,918,000
			December 31, 2013
			Amortized					Gross Unrealized									Fair
			Cost					Gains					Losses				Value
	U.S. government-sponsored agencies		$	41,066,000				$	15,000				$	2,389,000			$	38,692,000
	Obligations of state and political subdivisions			1,429,000					—					71,000				1,358,000
	Mortgage-backed securities-residential			115,134,000					244,000					3,143,000				112,235,000
	Asset-backed securities (a)			9,874,000					11,000					49,000				9,836,000
	Corporate debt			2,995,000					5,000					115,000				2,885,000
	Total debt securities			170,498,000					275,000					5,767,000				165,006,000
	Other equity investments			3,543,000					—					138,000				3,405,000
			$	174,041,000				$	275,000				$	5,905,000			$	168,411,000
	(a)
	Collateralized by student loans
	Cash proceeds realized from sales and calls of securities available-for-sale for the years ended December 31, 2014 and 2013 were $11,155,000 and $18,823,000, respectively.  There were gross gains totaling $165,000 and no gross losses realized on sales or calls during the year ended December 31, 2014. There were gross gains totaling $233,000 and gross losses totaling $80,000 realized on sales or calls during the year ended December 31, 2013.
	The fair value of available-for-sale securities pledged to secure public deposits for the year ending December 31, 2014 and 2013 was $670,000 and $944,000, respectively.  See also Note 7 to the consolidated financial statements regarding securities pledged as collateral for Federal Home Loan Bank of New York advances and securities sold under agreements to repurchase.
	The following is a summary of the held to maturity securities and related unrealized gains and losses:
			December 31, 2014
			Amortized					Gross Unrealized									Fair
			Cost					Gains					Losses				Value
	U.S. government-sponsored agencies		$	11,962,000				$	177,000				$	—			$	12,139,000
	Obligations of state and political subdivisions			15,636,000					514,000					—				16,150,000
	Mortgage-backed securities-residential			27,499,000					511,000					66,000				27,944,000
			$	55,097,000				$	1,202,000				$	66,000			$	56,233,000
			31-Dec-13
			Amortized					Gross Unrealized									Fair
			Cost					Gains					Losses				Value
	U.S. government-sponsored agencies		$	258,000				$	31,000				$	—			$	289,000
	Obligations of state and political subdivisions			20,642,000					838,000					—				21,480,000
	Mortgage-backed securities-residential			5,064,000					388,000					—				5,452,000
			$	25,964,000				$	1,257,000				$	—			$	27,221,000
	There were no cash proceeds realized from calls of securities held to maturity for the year ended December 31, 2014. Cash proceeds realized from calls of securities held to maturity for the year ended December 31, 2013 were $1,170,000.  There were no gross gains and no gross losses realized from calls for the years ended December 31, 2014 and 2013.
	The fair value of held to maturity securities pledged to secure public deposits for the year ending December 31, 2014 was $751,000. There were no held to maturity securities pledged to secure public deposits for the year ending December 31, 2013.  See also Note 7 to the consolidated financial statements regarding securities pledged as collateral for Federal Home Loan Bank of New York advances and securities sold under agreements to repurchase.
	Issuers may have the right to call or prepay obligations with or without call or prepayment penalties.  This might cause actual maturities to differ from the contractual maturities.
	Mortgage-backed securities are a type of asset-backed security secured by a mortgage or collection of mortgages, purchased by government agencies such as the Government National Mortgage Association and government sponsored agencies such as the Federal National Mortgage Association ("FNMA") and the Federal Home Loan Mortgage Corporation, which then issue securities that represent claims on the principal and interest payments made by borrowers on the loans in the pool.  At year end 2014 and 2013, there were no holdings of securities of any one issuer other than the U.S. government and its agencies in an amount greater than 10% of shareholders' equity.
	The changes in available-for-sale and held to maturity securities for the year ending December 31, 2014 is primarily attributed to a $24.0 million transfer of previously-designated available-for-sale securities to a held to maturity designation at fair value. In accordance with ASC 320, Investment – Debt and Equity Securities, the Corporation is required at each balance sheet due date to reassess the classification of each security held. The reclassification, which occurred during the three months ended June 30, 2014, is permitted as the Corporation has appropriately determined the ability and intent to now hold these securities as an investment, until maturity or call.  The securities were transferred to the held to maturity portfolio to protect our tangible common equity against rising interest rates and to appropriately align the mix of securities within held to maturity and available-for-sale.  The securities transferred had a net loss of $742,000 that is reflected in accumulated other comprehensive loss on the consolidated statement of financial condition, net of subsequent amortization, which is being recognized over the life of the securities.
	The following table presents the amortized cost and fair value of the debt securities portfolio by contractual maturity. As issuers may have the right to call or prepay obligations with or without call or prepayment premiums, the actual maturities may differ from contractual maturities.  Securities not due at a single maturity date, such as mortgage-backed securities and asset-backed securities, are shown separately.
						December 31,2014
						Amortized					Fair
						Cost					Value
		Available-for-sale
		Within one year				$	498,000				$	500,000
		After one year, but within five years					10,424,000					10,319,000
		After five years, but within ten years					16,474,000					16,422,000
		After ten years					7,723,000					7,430,000
		Mortgage-backed securities - residential					76,894,000					76,743,000
		Asset-backed securities					9,874,000					9,915,000
		Total				$	121,887,000				$	121,329,000
		Held to maturity
		Within one year				$	3,638,000				$	3,671,000
		After one year, but within five years					8,438,000					8,755,000
		After five years, but within ten years					12,490,000					12,767,000
	After ten years					3,032,000					3,096,000
	Mortgage-backed securities - residential					27,499,000					27,944,000
	Total				$	55,097,000				$	56,233,000
The following tables summarize the fair value and unrealized losses of those investment securities which reported an unrealized loss at December 31, 2014 and 2013, and if the unrealized loss position was continuous for the twelve months prior to December 31, 2014 and 2013.
Available-for-Sale
31-Dec-14			Less than 12 Months								12 Months or Longer							Total
			Fair				Unrealized				Fair			Unrealized				Fair		Unrealized
			Value				Losses				Value			Losses				Value		Losses
U.S. government-
sponsored agencies			$	—			$	—			$	23,750,000		$	(521,000	)		$	23,750,000	$	(521,000	)
Obligations of state and
political subdivisions				—				—				992,000			(22,000	)			992,000		(22,000	)
Mortgage-backed
securities - residential				5,985,000				(22,000	)			30,445,000			(650,000	)			36,430,000		(672,000	)
Asset-backed securities				3,022,000				(16,000	)			—			—				3,022,000		(16,000	)
Corporate debt				—				—				1,494,000			(7,000	)			1,494,000		(7,000	)
Other equity investments				—				—				3,529,000			(75,000	)			3,529,000		(75,000	)
Total temporarily
impaired securities			$	9,007,000			$	(38,000	)		$	60,210,000		$	(1,275,000	)		$	69,217,000	$	(1,313,000	)
31-Dec-13			Less than 12 Months								12 Months or Longer							Total
			Fair				Unrealized				Fair			Unrealized				Fair		Unrealized
			Value				Losses				Value			Losses				Value		Losses
U.S. government-
sponsored agencies			$	24,517,000			$	(1,531,000	)		$	8,987,000		$	(858,000	)		$	33,504,000	$	(2,389,000	)
Obligations of state and
political subdivisions				949,000				(43,000	)			409,000			(28,000	)			1,358,000		(71,000	)
Mortgage-backed
securities - residential				75,183,000				(2,304,000	)			13,334,000			(839,000	)			88,517,000		(3,143,000	)
Asset-backed securities				8,791,000				(49,000	)			—			—				8,791,000		(49,000	)
Corporate debt				2,385,000				(115,000	)			—			—				2,385,000		(115,000	)
Other equity investments				3,346,000				(138,000	)			—			—				3,346,000		(138,000	)
Total temporarily
impaired securities			$	115,171,000			$	(4,180,000	)		$	22,730,000		$	(1,725,000	)		$	137,901,000	$	(5,905,000	)
Held to Maturity
31-Dec-14			Less than 12 Months								12 Months or Longer							Total
			Fair				Unrealized				Fair			Unrealized				Fair		Unrealized
			Value				Losses				Value			Losses				Value		Losses
Mortgage-backed
securities - residential			$	8,788,000			$	(66,000	)		$	—		$	—			$	8,788,000	$	(66,000	)
Total temporarily
impaired securities			$	8,788,000			$	(66,000	)		$	—		$	—			$	8,788,000	$	(66,000	)
31-Dec-13			Less than 12 Months								12 Months or Longer							Total
			Fair				Unrealized				Fair			Unrealized				Fair		Unrealized
			Value				Losses				Value			Losses				Value		Losses
Mortgage-backed
securities - residential			$	—			$	—			$	—		$	—			$	—	$	—
Total temporarily
impaired securities			$	—			$	—			$	—		$	—			$	—	$	—
Other-Than-Temporary-Impairment
At December 31, 2014, there were twenty-four U.S. government-sponsored agency securities, two obligation of state and political subdivisions securities, twenty-eight mortgage-backed securities, two corporate debt securities, and one other equity investments security in a continuous loss position for 12 months or longer. Management has assessed the securities that were in an unrealized loss position at December 31, 2014 and 2013 and determined that any decline in fair value below amortized cost primarily relate to changes in interest rates and market spreads and was temporary.
In making this determination management considered the following factors: the period of time the securities were in an unrealized loss position; the percentage decline in comparison to the securities' amortized cost; any adverse conditions specifically related to the security, an industry or a geographic area; the rating or changes to the rating by a credit rating agency; the financial condition of the issuer and guarantor and any recoveries or additional declines in fair value subsequent to the balance sheet date.
Management does not intend to sell securities in an unrealized loss position and it is not more likely than not that the Corporation will be required to sell these securities before the recovery of their amortized cost bases, which may be at maturity.

LOANS_AND_ALLOWANCE_FOR_LOAN_L

LOANS AND ALLOWANCE FOR LOAN LOSSES	12 Months Ended
	Dec. 31, 2014
LOANS AND ALLOWANCE FOR LOAN LOSSES [Abstract]
LOANS AND ALLOWANCE FOR LOAN LOSSES	Note 3. LOANS AND ALLOWANCE FOR LOAN LOSSES
	At December 31, 2014 and 2013, respectively, the loan portfolio consisted of the following:
							December 31,
							2014					2013
	Commercial:
	Secured by real estate						$	46,545,000				$	46,162,000
	Other							29,307,000					27,728,000
	Commercial real estate							286,063,000					253,035,000
	Commercial construction							4,215,000					3,445,000
	Residential real estate							77,836,000					77,540,000
	Consumer:
	Secured by real estate							27,319,000					25,458,000
	Other							939,000					534,000
	Small Business Administration - guaranteed portion							5,000,000					—
	Other							96,000					107,000
	Total gross loans							477,320,000					434,009,000
	Less: Deferred loan costs (fees), net							19,000					(168,000	)
	Allowance for loan losses							9,602,000					9,915,000
								9,621,000					9,747,000
	Loans, net						$	467,699,000				$	424,262,000
	During the year ended December 31, 2014, the Corporation purchased the guaranteed portion of several Small Business Administration (SBA) loans.  Due to the guarantee of the principal amount of these SBA loans, no allowance for loan losses is established for these SBA loans.
	At December 31, 2014 and 2013, loan participations sold by the Corporation to other lending institutions totaled approximately $12,948,000 and $12,725,000, respectively.  These amounts are not included in the totals presented above.
	The Corporation has entered into lending transactions with directors, executive officers and principal shareholders of the Corporation and their affiliates.  At December 31, 2014 and 2013, these loans aggregated approximately $2,533,000 and $2,515,000, respectively.  During the year ended December 31, 2014, new loans totaling $854,000 were granted and repayments totaled approximately $836,000.  The loans, at December 31, 2014, were current as to principal and interest payments.
	Activity in the allowance for loan losses is summarized as follows:
					Year Ended December 31, 2014
					Balance					Provision										Recoveries					Balance
					beginning of					charged to					Loans					of loans					end of
					period					operations					charged-off					charged-off					period
	Commercial				$	3,373,000				$	377,000				$	(262,000	)			$	216,000				$	3,704,000
	Commercial real estate					5,665,000					(396,000	)				(1,110,000	)				858,000					5,017,000
	Commercial construction					117,000					(15,000	)				—					48,000					150,000
	Residential real estate					460,000					(311,000	)				(7,000	)				—					142,000
	Consumer					288,000					(93,000	)				(6,000	)				—					189,000
	Other					3,000					—					(1,000	)				—					2,000
	Unallocated					9,000					388,000					1,000					—					398,000
	Balance, ending				$	9,915,000				$	(50,000	)			$	(1,385,000	)			$	1,122,000				$	9,602,000
						Year Ended December 31, 2013
					Balance					Provision										Recoveries					Balance
					beginning of					charged to					Loans					of loans					end of
					period					operations					charged-off					charged-off					period
	Commercial				$	4,832,000				$	(824,000	)			$	(983,000	)			$	348,000				$	3,373,000
	Commercial real estate					4,936,000					4,395,000					(3,785,000	)				119,000					5,665,000
	Commercial construction					169,000					(54,000	)				(24,000	)				26,000					117,000
	Residential real estate					308,000					235,000					(83,000	)				—					460,000
	Consumer					352,000					60,000					(145,000	)				21,000					288,000
	Other					3,000					(1,000	)				(1,000	)				2,000					3,000
	Unallocated					41,000					(36,000	)				—					4,000					9,000
	Balance, ending				$	10,641,000				$	3,775,000				$	(5,021,000	)			$	520,000				$	9,915,000
	The following table presents 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, 2014 and 2013:
		December 31, 2014
						Commercial				Commercial				Residential												Other
		Commercial				Real Estate				Construction				Real Estate				Consumer				SBA				Loans				Unallocated		Total
	Allowance for
	loan losses:
	Ending
	Allowance
	balance
	attributable
	to loans
	Individually
	evaluated
	for
	impairment	$	223,000			$	697,000			$	—			$	—			$	—			$	—			$	—			$	—	$	920,000
	Collectively
evaluated
for
impairment		3,481,000				4,320,000				150,000				142,000				189,000				—				2,000				398,000		8,682,000
Total ending
allowance
balance	$	3,704,000			$	5,017,000			$	150,000			$	142,000			$	189,000			$	—			$	2,000			$	398,000	$	9,602,000
Loans:
Loans
individually
evaluated
for
impairment	$	6,042,000			$	8,913,000			$	288,000			$	96,000			$	326,000			$	—			$	—			$	—	$	15,665,000
Loans
collectively
evaluated
for
impairment		69,810,000				277,150,000				3,927,000				77,740,000				27,932,000				5,000,000				96,000				—		461,655,000
Total ending
Loan balance	$	75,852,000			$	286,063,000			$	4,215,000			$	77,836,000			$	28,258,000			$	5,000,000			$	96,000			$	—	$	477,320,000
	December 31, 2013
					Commercial				Commercial				Residential								Other
	Commercial				Real Estate				Construction				Real Estate				Consumer				Loans				Unallocated				Total
Allowance for
loan losses:
Ending
Allowance
balance
attributable
to loans
Individually
evaluated
for
impairment	$	300,000			$	72,000			$	—			$	—			$	—			$	—			$	—			$	372,000
Collectively
evaluated
for
impairment		3,073,000				5,593,000				117,000				460,000				288,000				3,000				9,000				9,543,000
Total ending
allowance
balance	$	3,373,000			$	5,665,000			$	117,000			$	460,000			$	288,000			$	3,000			$	9,000			$	9,915,000
Loans:
Loans
individually
evaluated
for
impairment	$	7,261,000			$	12,821,000			$	1,196,000			$	755,000			$	617,000			$	—			$	—			$	22,650,000
Loans
collectively
evaluated
for
impairment		66,629,000				240,214,000				2,249,000				76,785,000				25,375,000				107,000				—				411,359,000
Total ending
Loan balance	$	73,890,000			$	253,035,000			$	3,445,000			$	77,540,000			$	25,992,000			$	107,000			$	—			$	434,009,000
The following table presents the recorded investment in nonaccrual loans at the dates indicated:
						December 31,
						2014					2013
Commercial:
Secured by real estate						$	1,923,000				$	2,182,000
Other							—					73,000
Commercial real estate							1,284,000					6,592,000
Residential real estate							96,000					755,000
Consumer:
Secured by real estate							325,000					617,000
Total nonaccrual loans						$	3,628,000				$	10,219,000
At December 31, 2013, there was one relationship, which included four nonaccrual commercial real estate loans totaling $2.8 million, which was classified as held for sale and included in the table above.  The $2.8 million was sold and there were no nonaccrual loans classified as held for sale at December 31, 2014.
At December 31, 2014 and 2013 there were no loans that were past due 90 days and still accruing.
The following table presents loans individually evaluated for impairment by class of loans at and for the periods indicated:
			At And For The Year Ended December 31, 2014
													Allowance
			Unpaid										for Loan					Average					Interest
			Principal					Recorded					Losses					Recorded					Income
			Balance					Investment					Allocated					Investment					Recognized
With no related allowance recorded:
Commercial:
Secured by real estate			$	5,997,000				$	4,838,000									$	5,443,000				$	225,000
Other				66,000					58,000										65,000					3,000
Commercial real estate				4,609,000					3,279,000										6,755,000					155,000
Commercial construction				652,000					288,000										517,000					71,000
Residential real estate				132,000					96,000										526,000					—
Consumer:
Secured by real estate				333,000					326,000										506,000					—
With an allowance recorded:
Commercial:
Secured by real estate				458,000					436,000				$	213,000					437,000					16,000
Other				713,000					710,000					10,000					750,000					44,000
Commercial real estate				5,643,000					5,634,000					697,000					3,922,000					233,000
Commercial construction				—					—					—					420,000					—
Total impaired loans			$	18,603,000				$	15,665,000				$	920,000				$	19,341,000				$	747,000
During the year ended December 31, 2014, no interest income was recognized on a cash basis.
			At And For The Year Ended December 31, 2013
													Allowance
			Unpaid										for Loan					Average					Interest
			Principal					Recorded					Losses					Recorded					Income
			Balance					Investment					Allocated					Investment					Recognized
With no related allowance recorded:
Commercial:
Secured by real estate			$	7,204,000				$	5,756,000									$	6,286,000				$	239,000
Other				80,000					73,000										98,000					1,000
Commercial real estate				12,920,000					10,474,000										9,952,000					118,000
Commercial construction				567,000					528,000										2,753,000					52,000
Residential real estate				826,000					755,000										529,000					—
Consumer:
Secured by real estate				630,000					617,000										730,000					—
With an allowance recorded:
Commercial:
Secured by real estate				686,000					559,000				$	269,000					900,000					28,000
Other				877,000					873,000					31,000					1,067,000					52,000
Commercial real estate				2,356,000					2,347,000					72,000					3,174,000					47,000
Commercial construction				1,043,000					668,000					—					430,000					43,000
Residential real estate				—					—					—					36,000					—
Consumer:
Secured by real estate				—					—					—					68,000					—
Total impaired loans			$	27,189,000				$	22,650,000				$	372,000				$	26,023,000				$	580,000
During the year ended December 31, 2013, no interest income was recognized on a cash basis.
The following table presents the aging of the recorded investment in past due loans by class of loans as of December 31, 2014 and 2013.  Nonaccrual loans are included in the disclosure by payment status:
		December 31, 2014
										Greater than
		30-59 Days				60-89 Days				90 Days				Total Past				Loans Not
		Past Due				Past Due				Past Due				Due				Past Due				Total
Commercial:
Secured by
real estate		$	546,000			$	—			$	1,508,000			$	2,054,000			$	44,491,000			$	46,545,000
Other			225,000				—				—				225,000				29,082,000				29,307,000
Commercial real
estate			—				330,000				836,000				1,166,000				284,897,000				286,063,000
Commercial construction			—				—				—				—				4,215,000				4,215,000
Residential real
estate			—				—				—				—				77,836,000				77,836,000
Consumer:
Secured by
real estate			—				—				249,000				249,000				27,070,000				27,319,000
Other			—				—				—				—				939,000				939,000
SBA			—				—				—				—				5,000,000				5,000,000
Other			—				—				—				—				96,000				96,000
Total		$	771,000			$	330,000			$	2,593,000			$	3,694,000			$	473,626,000			$	477,320,000
		31-Dec-13
										Greater than
		30-59 Days					60-89 Days			90 Days					Total Past				Loans Not
		Past Due				Past Due				Past Due				Due				Past Due				Total
Commercial:
Secured by
real estate		$	866,000			$	—			$	499,000			$	1,365,000			$	44,797,000			$	46,162,000
Other			—				—				—				—				27,728,000				27,728,000
Commercial real
estate			1,043,000				—				5,100,000				6,143,000				246,892,000				253,035,000
Commercial construction			—				—				—				—				3,445,000				3,445,000
Residential real
estate			—				—				523,000				523,000				77,017,000				77,540,000
Consumer:
Secured by
real estate			—				—				479,000				479,000				24,979,000				25,458,000
Other			—				3,000				—				3,000				531,000				534,000
Other			—				—				—				—				107,000				107,000
Total		$	1,909,000			$	3,000			$	6,601,000			$	8,513,000			$	425,496,000			$	434,009,000
Troubled Debt Restructurings
At December 31, 2014 and 2013, the Corporation had $12.9 million and $16.6 million, respectively, of loans whose terms have been modified in troubled debt restructurings.  Of these loans, $12.0 million and $15.2 million were performing in accordance with their new terms at December 31, 2014 and 2013, respectively.  The remaining troubled debt restructurings are reported as nonaccrual loans.  Specific reserves of $868,000 and $281,000 have been allocated for the troubled debt restructurings at December 31, 2014 and 2013, respectively.  As of December 31, 2013, the Corporation had committed $257,000 of additional funds to a single customer with an outstanding construction loan that is classified as a troubled debt restructuring.  There were no committed amounts at December 31, 2014
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 the Corporation's internal underwriting policy.
The following table presents loans by class that were modified as troubled debt restructurings that occurred during the year ended December 31, 2014 and 2013:
		December 31, 2014													December 31, 2013
						Pre-				Post-									Pre-				Post-
		Number				Modification				Modification					Number				Modification				Modification
		of				Recorded				Recorded					of				Recorded				Recorded
		Loans				Investment				Investment					Loans				Investment				Investment
Commercial:
Secured by real estate			2			$	252,000			$	252,000					—			$	—			$	—
Other			—				—				—					1				17,000				17,000
Commercial real estate			1				111,000				111,000					3				6,361,000				6,361,000
Total			3			$	363,000			$	363,000					4			$	6,378,000			$	6,378,000
During the year ended December, 2014, three loans were modified as troubled debt restructurings. The modification of the terms of the two commercial – secured by real estate loans represented a term out of the remaining balances on these matured loans as well as an interest rate reduction.  The modification of the terms of the commercial real estate loan involved an extension of the loan with an additional borrower added.
During the year ended December 31, 2013, four loans were modified as trouble debt restructurings.  The terms of a $17,000 loan represented a term out of a remaining balance on a matured loan.  The modification of the terms of a $2.0 million loan represented a period of principal forbearance as well as some principal forgiveness, which is partially contingent on three years of satisfactory performance under the forbearance agreement.  The modification of the terms of two loans to one borrower totaling $4.3 million represented a period of principal forbearance.
For the years ended December 31, 2014 and December 31, 2013, the troubled debt restructurings described above resulted in a net increase in the allowance for loan losses of $587,000 and $63,000, respectively.  There were no charge-offs in 2014 related to these troubled debt restructurings.  In 2013 there were $616,000 of charge-offs related to these troubled debt restructurings.
A loan is considered to be in payment default once it is contractually 90 days past due under the modified terms.  There are no troubled debt restructurings for which there was a payment default within twelve months following the modification.
Credit Quality Indicators
The Corporation categorizes loans into risk categories based on relevant information about the ability of the borrowers to service their debt such as: current financial information, historical payment experience, credit documentation, public information, and current economic trends, among other factors.  The Corporation analyzes loans individually by classifying the loans as to credit risk.  This analysis includes non-homogeneous loans, such as commercial, commercial real estate and commercial construction loans.  This analysis is performed at the time the loan is originated and annually thereafter.  The Corporation uses the following definitions for risk ratings.
Special Mention – A Special Mention asset has potential weaknesses that deserve management's close attention, which, if left uncorrected, may result in deterioration of the repayment prospects for the asset or the Bank's credit position at some future date. Special Mention assets are not adversely classified and do not expose the Bank to sufficient risk to warrant adverse classification.
Substandard – Substandard loans are inadequately protected by the current net worth and paying capacity of the borrower or by the collateral pledged, if any. Loans so classified must have a well-defined weakness or weaknesses that jeopardize the repayment and liquidation of the debt. These loans are characterized by the distinct possibility that the Bank will sustain some loss if the deficiencies are not corrected.
Doubtful – A Doubtful loan has all of 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 known facts, conditions, and values, highly questionable or improbable. The likelihood of loss is extremely high, but because of certain important and reasonably specific factors, an estimated loss is deferred until a more exact status can be determined.
Loss – A loan classified Loss is considered uncollectible and of such little value that its continuance as an asset is not warranted. This classification does not necessarily mean that an asset has absolutely no recovery or salvage value, but rather it is not practical or desirable to defer writing off a basically worthless asset even though partial recovery may be affected in the future.
Loans not meeting the criteria above that are analyzed individually as part of the above described process are considered to be pass rated loans.  As of December 31, 2014 and 2013, and based on the most recent analysis performed at those times, the risk category of loans by class is as follows:
		December 31, 2014
								Special
			Pass					Mention					Substandard					Doubtful					Loss					Total
Commercial:
Secured by real estate		$	41,091,000				$	3,531,000				$	1,923,000				$	—				$	—				$	46,545,000
Other			27,903,000					616,000					788,000					—					—					29,307,000
Commercial real estate			274,788,000					5,521,000					5,754,000					—					—					286,063,000
Commercial construction			2,709,000					1,506,000					—					—					—					4,215,000
Total		$	346,491,000				$	11,174,000				$	8,465,000				$	—				$	—				$	366,130,000
		31-Dec-13
								Special
			Pass					Mention					Substandard					Doubtful					Loss					Total
Commercial:
Secured by real estate		$	39,114,000				$	3,387,000				$	3,661,000				$	—				$	—				$	46,162,000
Other			25,604,000					1,325,000					799,000					—					—					27,728,000
Commercial real estate			241,488,000					7,326,000					4,221,000					—					—					253,035,000
Commercial construction			2,164,000					1,281,000					—					—					—					3,445,000
Total		$	308,370,000				$	13,319,000				$	8,681,000				$	—				$	—				$	330,370,000
The Corporation considers the historical and projected performance of the loan portfolio and its impact on the allowance for loan losses.  For residential real estate and consumer loan segments, the Corporation evaluates credit quality primarily based on payment activity and historical loss data.  The following table presents the recorded investment in residential real estate and consumer loans based on payment activity as of December 31, 2014 and 2013.
						December 31, 2014
											Past Due and
						Current					Nonaccrual					Total
Residential real estate						$	77,740,000				$	96,000				$	77,836,000
Consumer:
Secured by real estate							25,867,000					1,452,000					27,319,000
Other							930,000					9,000					939,000
Total						$	104,537,000				$	1,557,000				$	106,094,000
						December 31, 2013
											Past Due and
						Current					Nonaccrual					Total
Residential real estate						$	76,785,000				$	755,000				$	77,540,000
Consumer:
Secured by real estate							23,584,000					1,874,000					25,458,000
Other							527,000					7,000					534,000
Total						$	100,896,000				$	2,636,000				$	103,532,000

PREMISES_AND_EQUIPMENT_NET

PREMISES AND EQUIPMENT, NET	12 Months Ended
	Dec. 31, 2014
PREMISES AND EQUIPMENT, NET [Abstract]
PREMISES AND EQUIPMENT, NET	Note 4. PREMISES AND EQUIPMENT, NET
	The balance of premises and equipment consists of the following at December 31, 2014 and 2013:
		December 31,
		2014		2013
	Land	$	3,219,000	$	2,999,000
	Buildings and improvements		4,082,000		3,281,000
	Leasehold improvements		2,246,000		2,246,000
	Furniture, fixtures, and equipment		2,401,000		2,195,000
			11,948,000		10,721,000
	Less: accumulated depreciation and amortization		5,371,000		4,982,000
	Total premises & equipment, net	$	6,577,000	$	5,739,000
	Amounts charged to net occupancy expense for depreciation and amortization of banking premises and equipment amounted to $420,000 and $428,000 in 2014 and 2013, respectively.

OTHER_REAL_ESTATE_OWNED

OTHER REAL ESTATE OWNED	12 Months Ended
	Dec. 31, 2014
OTHER REAL ESTATE OWNED [Abstract]
OTHER REAL ESTATE OWNED	Note 5. OTHER REAL ESTATE OWNED
	The balance of other real estate owned consists of the following at December 31, 2014 and 2013:
		December 31,
		2014			2013
	Aquired by foreclosure or deed in lieu of foreclosure	$	1,375,000		$	480,000
	Allowance for losses on other real estate owned		(67,000	)		(29,000	)
	Other real estate, net	$	1,308,000		$	451,000
	Activity in the allowance for losses on other real estate owned was as follows:
		Years Ended December 31,
		2014			2013
	Beginning of year	$	29,000		$	—
	Additions charged to expense		235,000			29,000
	Reductions from sales of other real estate owned		(197,000	)		—
	End of year	$	67,000		$	29,000
	Net gain on sale of other real estate owned totaled $63,000 and $326,000 for the year ended December 31, 2014 and 2013, respectively.
	Expenses related to other real estate owned include:
		Years Ended December 31,
		2014			2013
	Provision for unrealized losses	$	235,000		$	29,000
	Operating expenses, net of rental income		195,000			114,000
	End of year	$	430,000		$	143,000

DEPOSITS

DEPOSITS	12 Months Ended
	Dec. 31, 2014
DEPOSITS [Abstract]
DEPOSITS.	Note 6. DEPOSITS
		December 31,
		2014		2013
	Noninterest-bearing demand	$	136,721,000	$	133,565,000
	Interest-bearing checking accounts		168,319,000		179,892,000
	Money market accounts		41,906,000		47,366,000
	Total interest-bearing demand		210,225,000		227,258,000
	Statement savings and clubs		71,202,000		71,103,000
	Business savings		5,220,000		9,177,000
	Total savings		76,422,000		80,280,000
	IRA investment and variable rate savings		28,765,000		32,160,000
	Brokered certificates		10,496,000		—
	Money market certificates		93,847,000		104,328,000
	Total certificates of deposit		133,108,000		136,488,000
	Total interest-bearing deposits		419,755,000		444,026,000
	Total deposits	$	556,476,000	$	577,591,000
	Certificates of deposit with balances of $100,000 or more at December 31, 2014 and 2013, totaled $75,859,000 and $83,609,000, respectively.
	The scheduled maturities of certificates of deposit were as follows:
		December 31,
	2015		56,846,000
	2016		42,376,000
	2017		14,753,000
	2018		5,196,000
	2019		13,937,000
		$	133,108,000

BORROWINGS

BORROWINGS	12 Months Ended
	Dec. 31, 2014
BORROWINGS [Abstract]
BORROWINGS	Note 7. BORROWINGS
	Federal Home Loan Bank of New York Advances
	The following table presents Federal Home Loan Bank of New York ("FHLB-NY") advances by maturity date:
		31-Dec-14					31-Dec-13
					Weighted				Weighted
					Average				Average
	Advances maturing	Amount			Rate		Amount		Rate
	Within one year	$	26,700,000		2.10%		$	—	—%
	After one year, but within two years		10,000,000		1.64%			—	—%
	After two years, but within three years		15,000,000		3.74%			10,000,000	1.64%
	After three years, but within four years		15,000,000		3.35%			5,000,000	1.16%
	After four years, but within five years		—		—%			10,000,000	1.85%
		$	66,700,000		2.68%		$	25,000,000	1.63%
	During 2014 and 2013, the maximum amount of FHLB-NY advances outstanding at any month end was $66.7 million and $40.1 million, respectively.  The average amount of advances outstanding during the year ended December 31, 2014 and 2013 was $32.5 million and $26.7 million, respectively.
	At December 31, 2014, FHLB advances totaling $10.0 million had a quarterly call feature which has reached its first call date.
	Advances from the FHLB-NY are all fixed rate borrowings and are secured by a blanket assignment of the Corporation's unpledged, qualifying mortgage loans and by mortgage-backed securities or investment securities.  The loans remain under the control of the Corporation.  Securities are maintained in safekeeping with the FHLB-NY. As of December 31, 2014 and 2013, the advances were collateralized by $63.2 million, of first mortgage loans under the blanket lien arrangement.  Additionally, the advances were collateralized by $21.5 million and $5.1 million of investment securities as of December 31, 2014 and 2013, respectively.  Based on the collateral the Corporation was eligible to borrow up to a total of $84.7 million at December 31, 2014 and $68.3 million at December 31, 2013.
	The Corporation has the ability to borrow overnight with the FHLB-NY. As of December 31, 2014 overnight borrowings with the FHLB-NY were $6.7 million. At December 31, 2013 there were no overnight borrowings with FHLB-NY. The overall borrowing capacity is contingent on available collateral to secure borrowings and the ability to purchase additional activity-based capital stock of the FHLB-NY.
	The Corporation may also borrow from the Discount Window of the Federal Reserve Bank of New York based on the market value of collateral pledged.  At December 31, 2014 and 2013, the Corporation's borrowing capacity at the Discount Window was $5.1 million and $5.7 million, respectively.  In addition, at December 31, 2014 and 2013 the Corporation had available overnight variable repricing lines of credit with other correspondent banks totaling $35 million and $21 million, respectively, on an unsecured basis.  There were no borrowings under these lines of credit at December 31, 2014 and 2013.
	Securities Sold Under Agreements to Repurchase
	Securities sold under agreements to repurchase represent financing arrangements.
	As of December 31, 2013 the balance of securities sold under agreements to repurchase included a wholesale repurchase agreement with a broker that was repaid in full at maturity in 2014.  After a fixed rate period, the borrowing converted to a floating rate at 9.00% minus 3-month London Interbank Offered Rate (LIBOR) measured on a quarterly basis with a 5.15% cap and a 0.0% floor.  This repurchase agreement was collateralized by agency securities maintained in safekeeping with the broker.
	The remaining balance at December 31, 2013 was securities sold to Bank customers at a fixed rate with maturities varying from 6 months to one year.  These securities were maintained in a separate safekeeping account within the Corporation's control.
	At December 31, 2013, securities sold under agreements to repurchase were collateralized by U.S. Treasury and U.S. government-sponsored agency securities having a carrying value of approximately $8,282,000.
	At December 31, 2014, there were no securities sold under agreements to repurchase.
	Information concerning securities sold under agreements to repurchase is summarized as follows:
			December 31,
			2014		2013
	Balance		$	—	$	7,300,000
	Weighted average interest rate at year end			0.00%		4.95%
	Maximum amount outstanding at any month end
	during the year		$	7,601,000	$	8,044,000
	Average amount outstanding during the year		$	5,255,000	$	7,501,000
	Average interest rate during the year			4.83%		4.89%

SUBORDINATED_DEBENTURES

SUBORDINATED DEBENTURES	12 Months Ended
	Dec. 31, 2014
SUBORDINATED DEBENTURES [Abstract]
SUBORDINATED DEBENTURES.	Note 8. SUBORDINATED DEBENTURES
	In 2003, the Corporation formed Stewardship Statutory Trust I (the “Trust”), a statutory business trust, which on September 17, 2003 issued $7.0 million Fixed/Floating Rate Capital Securities (“Capital Securities”).  The Trust used the proceeds to purchase from the Corporation, $7,217,000 of Fixed/Floating Rate Junior Subordinated Deferrable Interest Debentures (“Debentures”) maturing September 17, 2033.  The Trust is obligated to distribute all proceeds of a redemption whether voluntary or upon maturity, to holders of the Capital Securities.  The Corporation's obligation with respect to the Capital Securities, and the Debentures, when taken together, provide a full and unconditional guarantee on a subordinated basis by the Corporation of the Trust's obligations to pay amounts when due on the Capital Securities. The Corporation is not considered the primary beneficiary of this Trust (variable interest entity); therefore the trust is not consolidated in the Corporation's consolidated financial statements, but rather the Debentures are shown as a liability.
	Prior to September 17, 2008, the Capital Securities and the Debentures both had a fixed interest rate of 6.75%.  Beginning September 17, 2008, the rate floats quarterly at a rate of three month LIBOR plus 2.95%.  At both December 31, 2014 and 2013, the rate on both the Capital Securities and the Debentures was 3.19%.  The Corporation has the right to defer payments of interest on the Debentures by extending the interest payment period for up to 20 consecutive quarterly periods.
	The Debentures may be included in Tier 1 capital (with certain limitations applicable) under current regulatory guidelines and interpretations.

REGULATORY_CAPITAL_REQUIREMENT

REGULATORY CAPITAL REQUIREMENTS	12 Months Ended
	Dec. 31, 2014
REGULATORY CAPITAL REQUIREMENTS [Abstract]
REGULATORY CAPITAL REQUIREMENTS	Note 9. REGULATORY CAPITAL REQUIREMENTS
	Banks and bank holding companies 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 initiate regulatory action. Regulations of the Board of Governors of the Federal Reserve System require bank holding companies to maintain minimum levels of regulatory capital. Under the regulations in effect at December 31, 2014, the Corporation was required to maintain (i) a minimum leverage ratio of Tier 1 capital to total adjusted assets of 4.0% and (ii) minimum ratios of Tier 1 and total capital to risk-weighted assets of 4.0% and 8.0%, respectively. The Bank must comply with substantially similar capital regulations promulgated by the FDIC.
	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.
	At the years ended 2014 and 2013, the most recent regulatory notifications categorized the Bank as well capitalized under the regulatory framework for prompt corrective action. There are no conditions or events that have occurred since that notification that management believes would change the Bank's category.
	Management believes that, as of December 31, 2014, the Bank and the Corporation have met all capital adequacy requirements to which they are subject. The following is a summary of the Corporation's and the Bank's actual capital amounts and ratios as of December 31, 2014 and 2013 compared to the minimum capital adequacy requirements and the requirements for classification as a well capitalized institution under the prompt corrective action regulations:
								To Be Well Capitalized
					Required for Capital			Under Prompt Corrective
		Actual			Adequacy Purposes			Action Regulations
		Amount		Ratio	Amount		Ratio	Amount		Ratio
	31-Dec-14
	Leverage (Tier 1) capital
	Consolidated	$	64,399,000	9.45%	$	27,265,000	4.00%		N/A	N/A
	Bank		62,622,000	9.20%		27,214,000	4.00%	$	34,018,000	5	%
	Risk-based capital:
	Tier 1
	Consolidated		64,399,000	13.04%		19,751,000	4.00%		N/A	N/A
	Bank		62,622,000	12.69%		19,740,000	4.00%		29,609,000	6	%
	Total
	Consolidated		70,614,000	14.30%		39,502,000	8.00%		N/A	N/A
	Bank		68,833,000	13.95%		39,479,000	8.00%		49,349,000	10	%
	31-Dec-13
	Leverage (Tier 1) capital
	Consolidated	$	61,461,000	9.04%	$	27,200,000	4.00%		N/A	N/A
	Bank		59,976,000	8.84%		27,135,000	4.00%	$	33,919,000	5	%
	Risk-based capital:
	Tier 1
	Consolidated		61,461,000	13.52%		18,184,000	4.00%		N/A	N/A
	Bank		59,976,000	13.21%		18,156,000	4.00%		27,233,000	6	%
	Total
	Consolidated		67,196,000	14.78%		36,368,000	8.00%		N/A	N/A
	Bank		65,702,000	14.48%		36,311,000	8.00%		45,389,000	10	%
	As presented above, at December 31, 2014, the Bank's regulatory capital ratios exceeded the established minimum capital requirements.

PREFERRED_STOCK

PREFERRED STOCK	12 Months Ended
	Dec. 31, 2014
PREFERRED STOCK [Abstract]
PREFERRED STOCK	Note 10. PREFERRED STOCK
	In connection with the Corporation's participation in the U.S. Department of the Treasury's Small Business Lending Fund program (“SBLF”), a $30 billion fund established under the Small Business Jobs Act of 2010 that encourages lending to small businesses by providing capital to qualified community banks with assets of less than $10 billion, on September 1, 2011 (the “Series B Preferred Issue Date”), pursuant to a Securities Purchase Agreement between the Corporation and the Secretary of the Treasury, the Corporation issued 15,000 shares of Senior Non-Cumulative Perpetual Preferred Stock, Series B (the “Series B Preferred Shares”) to the Treasury for an aggregate purchase price of $15 million, in cash.
	The terms of the Series B Preferred Shares impose restrictions on the Corporation's ability to declare or pay dividends or purchase, redeem or otherwise acquire for consideration, shares of our Common Stock and any class or series of stock of the Corporation the terms of which do not expressly provide that such class or series will rank senior or junior to the Series B Preferred Shares as to dividend rights and/or rights on liquidation, dissolution or winding up of the Corporation.  Specifically, the terms provide for the payment of a non-cumulative quarterly dividend, payable in arrears, which the Corporation accrues as earned over the period that the Series B Preferred Shares are outstanding.  The dividend rate was subject to fluctuation on a quarterly basis during the first ten quarters during which the Series B Preferred Shares were outstanding, based upon changes in the level of Qualified Small Business Lending (“QSBL” as defined in the Securities Purchase Agreement) from 1% to 5% per annum and, since then, for the eleventh dividend period through that portion of the nineteenth dividend period prior to the four and one-half year anniversary of the Series B Preferred Issue Date (i.e., through February 29, 2016) the dividend rate became fixed at 4.56%.  In general, the dividend rate decreased as the level of the Bank's QSBL increased.  With respect to that portion of the nineteenth dividend period that begins on the four and one-half year anniversary of the Series B Preferred Issue Date (i.e., beginning on March 1, 2016) and all dividend periods thereafter, the dividend rate will be increased and fixed at 9%. Such dividends are not cumulative but the Corporation may only declare and pay dividends on its Common Stock (or any other equity securities junior to the Series B Preferred Shares) if it has declared and paid dividends on the Series B Preferred Shares for the current dividend period and if, after payment of such dividend, the dollar amount of the Corporation's Tier 1 capital would be at least 90% of the Tier 1 capital on the date of entering into the SBLF program, excluding any subsequent net charge-offs and any redemption of the Series B Preferred Shares (the “Tier 1 Dividend Threshold”).  The Tier 1 Dividend Threshold is subject to reduction, beginning on the second anniversary of the issuance and ending on the tenth anniversary of the issuance, by 10% for each 1% increase in QSBL over the baseline level.
	In addition, the Series B Preferred Shares are non-voting except in limited circumstances and, in the event that the Corporation has not timely declared and paid dividends on the Series B Preferred Shares for six dividend periods or more, whether or not consecutive, and shares of Series B Preferred Shares with an aggregate liquidation preference of at least $25 million are still outstanding, the Treasury may designate two additional directors to be elected to the Corporation's Board of Directors.  Subject to the approval of the Bank's federal banking regulator, the FRB, the Corporation may redeem the Series B Preferred Shares at any time at the Corporation's option, at a redemption price equal to the liquidation preference per share plus the per share amount of any unpaid dividends for the then-current period through the date of the redemption.  The Series B Preferred Shares are currently includable, and are expected to be includable in the future, in Tier 1 capital for regulatory capital.

BENEFIT_PLANS

BENEFIT PLANS	12 Months Ended
	Dec. 31, 2014
BENEFIT PLANS [Abstract]
BENEFIT PLANS	Note 11. BENEFIT PLANS
	The Corporation has a noncontributory profit sharing plan covering all eligible employees.  Contributions are determined by the Corporation's Board of Directors on an annual basis.  Total profit sharing expense for the year ended December 31, 2014 and 2013 was $170,000 and $100,000, respectively.
	The Corporation also has a 401(k) plan which covers all eligible employees.  Participants may elect to contribute up to 100% of their salaries, not to exceed the applicable limitations as per the Internal Revenue Code.  The Corporation, on an annual basis, may elect to match 50% of the participant's first 5% contribution.  Total 401(k) expense for the years ended December 31, 2014 and 2013 amounted to approximately $141,000 and $155,000, respectively.
	The Corporation offers an Employee Stock Purchase Plan which allows all eligible employees to authorize a specific payroll deduction from his or her base compensation for the purchase of the Corporation's Common Stock.  Total stock purchases amounted to 6,560 and 8,439 shares during 2014 and 2013, respectively.  At December 31, 2014, the Corporation had 171,074 shares reserved for issuance under this plan.

STOCKBASED_COMPENSATION

STOCK-BASED COMPENSATION	12 Months Ended
	Dec. 31, 2014
STOCK-BASED COMPENSATION [Abstract]
STOCK-BASED COMPENSATION.	Note 12. STOCK-BASED COMPENSATION
	At December 31, 2014, the Corporation had various types of the following stock award programs.
	Director Stock Plan
	The Director Stock Plan permits members of the Board of Directors of the Bank to receive any monthly Board of Directors' fees in shares of the Corporation's Common Stock, rather than in cash.  Shares are purchased for directors in the open market and resulted in purchases of 5,060 and 7,162 shares for 2014 and 2013, respectively.  At December 31, 2014, the Corporation had 528,094 shares authorized but unissued for this plan.
	Stock Incentive Plan
	The 2010 Stock Incentive Plan covers both employees and directors.  The purpose of the plan is to promote the long-term growth and profitability of the Corporation by (i) providing key people with incentives to improve shareholder value and to contribute to the growth and financial success of the Corporation, and (ii) enabling the Corporation to attract, retain and reward the best available persons.  There were 49,661 restricted shares granted during the year ended December 31, 2014.  No awards were granted during the year ended December 31, 2013. The value of restricted shares is based upon an average of the high and low closing price of the common stock on the date of grant.  The shares generally vest over a three year service period with compensation expense recognized on a straight-line basis. Stock based compensation expense related to stock grants was $69,000 for the year ended December 31, 2014.  At December 31, 2014 the Corporation had 142,694 shares authorized but unissued for this plan.

EARNINGS_PER_COMMON_SHARE

EARNINGS PER COMMON SHARE	12 Months Ended
	Dec. 31, 2014
EARNINGS PER COMMON SHARE [Abstract]
EARNINGS PER COMMON SHARE.	Note 13. EARNINGS PER COMMON SHARE
	The following reconciles the income available to common shareholders (numerator) and the weighted average common stock outstanding (denominator) for both basic and diluted earnings per share:
		Years Ended December 31,
		2014		2013
	Net Income	$	3,085,000	$	2,470,000
	Dividends on preferred stock and accretion		683,000		633,000
	Net income available to common shareholders	$	2,402,000	$	1,837,000
	Weighted-average common shares outstanding - basic		6,003,814		5,937,058
	Effect of dilutive securities - stock options		N/A		N/A
	Weighted average common shares outstanding - diluted		6,003,814		5,937,058
	Basic earnings per common share	$	0.4	$	0.31
	Diluted earnings per common share	$	0.4	$	0.31
	There were no stock options to purchase shares of common stock for the year ended December 31, 2014.  For the year ended December 31, 2013, stock options to purchase 3,627 of average shares of common stock were not considered in computing diluted earnings per share of common stock because they were antidilutive.

INCOME_TAXES

INCOME TAXES	12 Months Ended
	Dec. 31, 2014
INCOME TAXES [Abstract]
INCOME TAXES.	Note 14. INCOME TAXES
	The components of income tax benefit are summarized as follows:
		Years Ended December 31,
		2014			2013
	Current tax expense (benefit)
	Federal	$	634,000		$	221,000
	State		159,000			49,000
			793,000			270,000
	Deferred tax expense (benefit)
	Federal		392,000			180,000
	State		273,000			167,000
	Valuation allowance		(39,000	)		23,000
			626,000			370,000
		$	1,419,000		$	640,000
	The following table presents a reconciliation between the reported income taxes and the income taxes which would be computed by applying the normal federal income tax rate (34%) to income before income taxes:
		Years Ended December 31,
		2014			2013
	Federal income tax	$	1,531,000		$	1,057,000
	Add (deduct) effect of:
	State income taxes, net of federal income tax effect		246,000			146,000
	Nontaxable interest income		(255,000	)		(376,000	)
	Bank owned life insurance		(141,000	)		(305,000	)
	Nondeductible expenses		10,000			15,000
	Write-off of Federal deferred tax asset		—			90,000
	Change in valuation reserve		—			19,000
	Other items, net		28,000			(6,000	)
	Effective federal income taxes	$	1,419,000		$	640,000
	The tax effects of existing temporary differences that give rise to significant portions of the deferred tax assets and deferred tax liabilities are as follows:
		December 31,
		2014			2013
	Deferred tax assets:
	Allowance for loan losses	$	3,835,000		$	3,960,000
	Accrued compensation		159,000			120,000
	Nonaccrual loan interest		453,000			915,000
	Depreciation		382,000			434,000
	Contribution carry forward		146,000			178,000
	Restricted stock		28,000			—
	OREO reserve		27,000			—
	Accrued contributions		21,000			—
	State net operating loss carry forward		23,000			122,000
	Unrealized loss on fair value of interest rate swap		125,000			223,000
	Unrealized loss on securities available-for-sale		477,000			2,176,000
	Alternate minimum tax		425,000			434,000
			6,101,000			8,562,000
	Valuation reserve		(163,000	)		(202,000	)
			5,938,000			8,360,000
	Deferred tax liabilities
	Other		4,000			4,000
			4,000			4,000
	Net deferred tax assets	$	5,934,000		$	8,356,000
	At December 31, 2014, the Corporation has provided a full valuation allowance relating to both federal and state tax benefit of all contribution carryforwards and for the parent company only state tax benefit of net operating loss carryforwards.  Management has determined that it is more likely than not that it will not be able to realize the deferred tax benefits described above.
	The Corporation has approximately $359,000 of taxes paid in the carryback period that could be utilized against the deferred tax asset.  The remaining $5.6 million of net deferred tax assets more likely than not will be utilized through future earnings.
	The Corporation has alternate minimum tax (AMT) credit carryforwards of approximately $425,000 to reduce regular Federal income taxes in future years to the extent that the regular federal income tax exceeds AMT. The AMT credit carryforwards have no expiration date.
	There were no unrecognized tax benefits during the years or at the years ended December 31, 2014 and 2013 and management does not expect a significant change in unrecognized benefits in the next twelve months. There were no tax interest and penalties recorded in the income statement for the years ended December 31, 2014 and 2013. There were no tax interest and penalties accrued for the years ended December 31, 2014 and 2013.
	The Corporation and its subsidiaries are subject to U.S. federal income tax as well as income tax of the State of New Jersey.
	The Corporation is no longer subject to examination by taxing authorities for years before 2010.

COMMITMENTS_AND_CONTINGENCIES

COMMITMENTS AND CONTINGENCIES	12 Months Ended
	Dec. 31, 2014
COMMITMENTS AND CONTINGENCIES [Abstract]
COMMITMENTS AND CONTINGENCIES.	Note 15. COMMITMENTS AND CONTINGENCIES
	Loan Commitments
	The Corporation is a party to financial instruments with off-balance sheet risk in the normal course of business to meet the financing needs of its customers.  These financial instruments include commitments to extend credit and standby letters of credit.  Those instruments involve, to varying degrees, elements of credit and interest rate risk in excess of the amount recognized in the consolidated financial statements.  The contract or notional amounts of those instruments reflect the extent of involvement the Corporation has in particular classes of financial instruments.
	The Corporation's exposure to credit loss in the event of nonperformance by the other party to the financial instrument for commitments to extend credit and standby letters of credit is represented by the contractual notional amount of those instruments.  The Corporation uses the same credit policies in making commitments and conditional obligations as it does for on-balance sheet instruments.
	At December 31, 2014, the Corporation had residential mortgage commitments to extend credit aggregating approximately $2.7 million at fixed rates averaging 3.78% and none at variable rates.  Approximately $205,000 of these loan commitments will be sold to investors upon closing. Commercial, construction, and home equity loan commitments of approximately $15.8 million were extended with variable rates averaging 4.46% and approximately $1.9 million extended at fixed rates averaging 3.16% Generally, commitments were due to expire within approximately 60 days.
	Additionally, at December 31, 2014, the Corporation was committed for approximately $58.6 million of unused lines of credit, consisting of $16.7 million relating to a home equity line of credit program and an unsecured line of credit program (cash reserve), $4.4 million relating to an unsecured overdraft protection program, and $37.5 million relating to commercial and construction lines of credit. Amounts drawn on the unused lines of credit are predominantly assessed interest at rates which fluctuate with the base rate.
	Commitments under standby letters of credit were approximately $1.1 million at December 31, 2014, all of which expires within one year.  Should any letter of credit be drawn on, the interest rate charged on the resulting note would fluctuate with the Corporation's base rate. 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 may expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements.  The Corporation evaluates each customer's creditworthiness on a case-by-case basis.  The amount of collateral obtained, if deemed necessary by the Corporation upon extension of credit, is based on management's credit evaluation of the borrower.  Collateral held varies, but may include accounts receivable, inventory, property, plant and equipment, and income-producing commercial properties.
	Standby letters of credit are conditional commitments issued by the Corporation to guarantee payment or performance of a customer to a third party.  Those guarantees are primarily issued to support public and private borrowing arrangements, including commercial paper, bond financing and similar transactions.  The credit risk involved in issuing letters of credit is essentially the same as that involved in extending loan facilities to customers.  The Corporation obtains collateral supporting those commitments for which collateral is deemed necessary.
	Lease Commitments
	At December 31, 2014, the minimum rental commitments on the noncancellable leases with an initial term of one year and expiring thereafter are as follows:
	Year Ending	Minimum
	December 31,	Rent
	2015	$	693,000
	2016		661,000
	2017		648,000
	2018		584,000
	2019		513,000
	Thereafter		1,760,000
		$	4,859,000
	Rental expense under long-term operating leases for branch offices amounted to approximately $1,106,000 and $1,210,000 during the years ended December 31, 2014 and 2013, respectively. Rental income was approximately $46,000 for the years ended December 31, 2014 and 2013.
	Contingencies
	The Corporation is also subject to litigation which arises primarily in the ordinary course of business.  In the opinion of management the ultimate disposition of such litigation should not have a material adverse effect on the financial position of the Corporation.

INTEREST_RATE_SWAP

INTEREST RATE SWAP	12 Months Ended
	Dec. 31, 2014
INTEREST RATE SWAP [Abstract]
INTEREST RATE SWAP.	Note 16. INTEREST RATE SWAP
	The Corporation utilizes interest rate swap agreements as part of its asset liability management strategy to help manage its interest rate risk position.  The notional amount of the interest rate swap does not represent an amount exchanged by the parties.  The amount exchanged is determined by reference to the notional amount and the other terms of the individual interest rate swap agreements.
	Interest Rate Swap Designated as Cash Flow Hedge:  The Corporation entered into an interest rate swap with a notional amount of $7 million.  It was designated as a cash flow hedge of the Debentures (See Note 8 of the consolidated financial statements) and was determined to be fully effective during the years ended December 31, 2014 and 2013.  As such, no amount of ineffectiveness has been included in net income.  Therefore, the aggregate fair value of the swap is recorded in other assets (liabilities) with changes in fair value recorded in other comprehensive income (loss).  The amount included in accumulated other comprehensive income (loss) would be reclassified to current earnings should the hedge no longer be considered effective.  The Corporation expects the hedge to remain fully effective during the remaining term of the swap.  As of December 31, 2014, the Corporation has secured the interest rate swap by pledging investment securities with a fair value of $989,000.
	Summary information as of December 31, 2014 about the interest rate swap designated as a cash flow hedge is as follows:
	Notional amount	$7,000,000
	Pay rate	7.00%
	Receive rate	3 month LIBOR plus 2.95%
	Maturity	17-Mar-16
	Unrealized loss	($314,000)
	The net expense recorded on the swap transaction totaled $271,000 and $268,000 for the years ended December 31, 2014 and 2013, respectively, and is reported as a component of interest expense – borrowed money.
	The fair value of the interest rate swap of ($314,000) and ($559,000) at December 31, 2014 and 2013, respectively, was included in accrued expenses and other liabilities on the Consolidated Statements of Financial Condition.
	The following table presents the after tax net gains recorded in accumulated other comprehensive income and the Consolidated Statements of Income relating to the cash flow derivative instruments for the periods indicated.
			Year Ended December 31, 2014
					Amount of gain		Amount of gain (loss)
			Amount of gain		(loss) reclassified		recognized in other
			recognized in OCI		from OCI to interest		noninterest income
			(Effective Portion)		income		(Ineffective Portion)
	Interest rate contract		$	147,000	$	—	$	—
			Year Ended December 31, 2013
					Amount of gain		Amount of gain (loss)
			Amount of gain		(loss) reclassified		recognized in other
			recognized in OCI		from OCI to interest		noninterest income
			(Effective Portion)		income		(Ineffective Portion)
	Interest rate contract		$	152,000	$	—	$	—

FAIR_VALUE_OF_FINANCIAL_INSTRU

FAIR VALUE OF FINANCIAL INSTRUMENTS	12 Months Ended
	Dec. 31, 2014
FAIR VALUE OF FINANCIAL INSTRUMENTS [Abstract]
FAIR VALUE OF FINANCIAL INSTRUMENTS	Note 17. FAIR VALUE OF FINANCIAL INSTRUMENTS
	Fair value is the exchange price that would be received for an asset or paid to transfer a liability (exit price) in an orderly transaction between market participants on the measurement date.  There are three levels of inputs that may be used to measure fair value:
	Level 1: Quoted prices (unadjusted) or identical assets or liabilities in active markets that the entity has the ability to access as of the measurement date.
	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.
	The fair values of investment securities are determined by quoted market prices, if available (Level 1).  For securities where quoted prices are not available, fair values of investment securities are determined by 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).  As the Corporation is responsible for the determination of fair value, it performs quarterly analyses on the prices received from the pricing service to determine whether the prices are reasonable estimates of fair value. Specifically, the Corporation compares the prices received from the pricing service to a secondary pricing source.  The Corporation's internal price verification procedures have not historically resulted in adjustment in the prices obtained from the pricing service.
	The interest rate swaps are reported at fair values obtained from brokers who utilize internal models with observable market data inputs to estimate the values of these instruments (Level 2 inputs).
	The Corporation measures impairment of collateralized loans and other real estate owned (“OREO”) based on the estimated fair value of the collateral less estimated costs to sell the collateral, incorporating assumptions that experienced parties might use in estimating the value of such collateral (Level 3 inputs). At the time a loan or OREO is considered impaired, it is valued at the lower of cost or fair value. Generally, impaired loans carried at fair value have been partially charged-off or receive specific allocations of the allowance for loan losses. OREO is initially recorded at fair value less estimated selling costs.  For collateral dependent loans and OREO, fair value is commonly based on 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 typically result in a Level 3 classification of the inputs for determining fair value. Non-real estate collateral may be valued using an appraisal, the net book value recorded for the collateral on the borrower's financial statements, or aging reports.  Collateral is then 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 borrower and borrower's business, resulting in a Level 3 fair value classification. Impaired loans are evaluated on a quarterly basis for additional impairment and adjusted accordingly.
	Appraisals are generally obtained to support the fair value of collateral. Appraisals for both collateral-dependent impaired loans and OREO are performed by licensed appraisers whose qualifications and licenses have been reviewed and verified by the Corporation. The Corporation utilizes a third party to order appraisals and, once received, reviews the assumptions and approaches utilized in the appraisal as well as the resulting fair value in comparison with independent data sources such as recent market data or industry-wide statistics.
	Real estate appraisals typically incorporate measures such as recent sales prices for comparable properties. In addition, appraisers may make adjustments to the sales price of the comparable properties as deemed appropriate based on the age, condition or general characteristics of the subject property. Management generally applies a 12% discount to real estate appraised values to cover disposition / selling costs and to reflect the potential price reductions in the market necessary to complete an expedient transaction and to factor in the impact of the perception that a transaction being completed by a bank may result in further price reduction pressure.
	Assets and Liabilities Measured on a Recurring Basis
	Assets and liabilities measured at fair value on a recurring basis are summarized below:
						Fair Value Measurements Using
						Quoted Prices					Significant
						in Active					Other				Significant
						Markets for					Observable				Unobservable
						Identical Assets					Inputs				Inputs
		Carrying Value				(Level 1)					(Level 2)				(Level 3)
		31-Dec-14
	Assets:
	Available-for-sale securities
	U.S. government -
	sponsored agencies	$	30,274,000			$	—				$	30,274,000			$	—
	Obligations of state and
	political subdivisions		1,400,000				—					1,400,000				—
	Mortgage-backed
	securities - residential		76,743,000				—					76,743,000				—
	Asset-backed securities		9,915,000				—					9,915,000				—
	Corporate bonds		2,997,000				—					2,997,000				—
	Other equity investments		3,589,000				3,529,000					60,000				—
	Total available-for-sale
	securities	$	124,918,000			$	3,529,000				$	121,389,000			$	—
	Liabilities:
	Interest rate swap	$	314,000			$	—				$	314,000			$	—
		31-Dec-13
	Assets:
	Available-for-sale securities
	U.S. government -
	sponsored agencies	$	38,692,000			$	—				$	38,692,000			$	—
	Obligations of state and
	political subdivisions		1,358,000				—					1,358,000				—
	Mortgage-backed
	securities - residential		112,235,000				—					112,235,000				—
	Asset-backed securities		9,836,000				—					9,836,000				—
	Corporate bonds		2,885,000				—					2,885,000				—
	Other equity investments		3,405,000				3,345,000					60,000				—
	Total available-for-sale
	securities	$	168,411,000			$	3,345,000				$	165,066,000			$	—
	Liabilities:
	Interest rate swap	$	559,000			$	—				$	559,000			$	—
	There were no transfers of assets between Level 1 and Level 2 during 2014 and 2013. There were no changes to the valuation techniques for fair value measurements as of December 31, 2014 and 2013.
	Assets and Liabilities Measured on a Non-Recurring Basis
	Assets and liabilities measured at fair value on a non-recurring basis are summarized below:
					Fair Value Measurements Using
					Quoted Prices				Significant
					in Active				Other				Significant
					Markets for				Observable				Unobservable
					Identical Assets				Inputs				Inputs
		Carrying Value			(Level 1)				(Level 2)				(Level 3)
		31-Dec-14
	Assets:
	Impaired loans
	Commercial:
	Secured by real estate	$	1,348,000		$	—			$	—			$	1,348,000
Commercial real estate		205,000			—				—				205,000
Consumer:
Secured by real estate		49,000			—				—				49,000
Other real estate owned		1,117,000			—				—				1,117,000
	$	2,719,000		$	—			$	—			$	2,719,000
	31-Dec-13
Assets:
Impaired loans
Commercial:
Secured by real estate	$	5,861,000		$	—			$	—			$	5,861,000
Commercial real estate		8,483,000			—				—				8,483,000
Commercial Construction		1,196,000			—				—				1,196,000
Residential real estate		755,000			—				—				755,000
Consumer:
Secured by real estate		617,000			—				—				617,000
Other real estate owned		451,000			—				—				451,000
	$	17,363,000		$	—			$	—			$	17,363,000
Collateral-dependent impaired loans measured for impairment using the fair value of the collateral had a recorded investment of $1,690,000, with a valuation allowance of $88,000, resulting in an increase of the allocation for loan losses of $155,000 for the year ended December 31, 2014.
Collateral-dependent impaired loans measured for impairment using the fair value of the collateral had a recorded investment of $17,180,000, with a valuation allowance of $268,000, resulting in an increase of the provision for loan losses of $3,975,000 for the year ended December 31, 2013.
OREO had a recorded investment value of $1,375,000 with a $67,000 valuation allowance at December 31, 2014.  At December 31, 2013, OREO had a recorded investment of $480,000 with a $29,000 valuation allowance.  Additional valuation allowances of $235,000 and $29,000 were recorded for the years ended December 31, 2014 and 2013, respectively.
For the Level 3 assets measured at fair value on a non-recurring basis, the significant unobservable inputs used in the fair value measurements were as follows:
				31-Dec-14
Assets		Fair Value		Valuation Technique		Unobservable Inputs		Range
Impaired loans	$	1,602,000		Comparable real estate sales and / or the income approach.		Adjustments for differences between comparable sales and income data available.			5% - 25%
						Estimated selling costs.			7%
Other real estate owned	$	1,117,000		Comparable real estate sales and / or the income approach.		Adjustments for differences between comparable sales and income data available.			0% - 62%
						Estimated selling costs.			7%
				31-Dec-13
Assets		Fair Value		Valuation Technique		Unobservable Inputs		Range
Impaired loans	$	16,912,000		Comparable real estate sales and / or the income approach.		Adjustments for differences between comparable sales and income data available.			1% - 25%
						Estimated selling costs.			7%
Other real estate owned	$	451,000		Comparable real estate sales and / or the income approach.		Adjustments for differences between comparable sales and income data available.			5% - 8%
						Estimated selling costs.			7%
Fair value estimates for the Corporation's financial instruments are summarized below:
					Fair Value Measurements Using
						Quoted Prices					Significant
						in Active					Other			Significant
						Markets for					Observable			Unobservable
						Identical Assets					Inputs			Inputs
		Carrying Value				(Level 1)					(Level 2)			(Level 3)
		31-Dec-14
Financial assets:
Cash and cash equivalents		$	10,086,000			$	10,086,000				$	—		$	—
Securities available-for-sale			124,918,000				3,529,000					121,389,000			—
Securities held to maturity			55,097,000				—					56,233,000			—
FHLB-NY stock			3,777,000				N/A					N/A			N/A
Loans, net			467,699,000				—					—			478,451,000
Accrued interest receivable			1,994,000				—					646,000			1,348,000
Financial liabilities:
Deposits			556,476,000				424,117,000					132,513,000			—
FHLB-NY advances			66,700,000				—					67,087,000			—
Subordinated debentures			7,217,000				—					—			7,203,000
Accrued interest payable			308,000				1,000					288,000			19,000
Interest rate swap			314,000				—					314,000			—
					Fair Value Measurements Using
						Quoted Prices					Significant
						in Active					Other			Significant
						Markets for					Observable			Unobservable
						Identical Assets					Inputs			Inputs
		Carrying Value				(Level 1)					(Level 2)			(Level 3)
		31-Dec-13
Financial assets:
Cash and cash equivalents		$	17,405,000			$	17,405,000				$	—		$	—
Securities available-for-sale			168,411,000				3,345,000					165,066,000			—
Securities held to maturity			25,964,000				—					27,221,000			—
FHLB-NY stock			2,133,000				N/A					N/A			N/A
Loans held for sale			2,800,000				—					—			2,800,000
Loans, net			424,262,000				—					—			434,126,000
Accrued interest receivable			2,066,000				—					735,000			1,331,000
Financial liabilities:
Deposits			577,591,000				441,790,000					136,268,000			—
FHLB-NY advances			25,000,000				—					25,404,000			—
Securities sold under
agreements to repurchase			7,300,000				—					7,525,000			—
Subordinated debentures			7,217,000				—					—			7,213,000
Accrued interest payable			401,000				1,000					380,000			20,000
Interest rate swap			559,000				—					559,000			—
The following methods and assumptions were used to estimate the fair value of each class of financial instruments:
Cash and cash equivalents – The carrying amount approximates fair value and is classified as Level 1.
Securities available-for-sale and held to maturity – The methods for determining fair values were described previously.
Loans held for sale – The amount at December 31, 2013 represents the estimated fair value of a group of nonperforming loans to a single borrower that are being marketed for sale.  The estimated fair value is based on the fair value of the note resulting in a Level 3 classification.
Loans, net – Fair values are estimated for portfolios of loans with similar financial characteristics.  Loans are segregated by type such as residential and commercial mortgages, commercial and other installment loans.  The fair value of loans is estimated by discounting cash flows using estimated market discount rates which reflect the credit and interest rate risk inherent in the loans resulting in a Level 3 classification. Fair values estimated in this manner do not fully incorporate an exit-price approach to fair value, but instead are based on a comparison to current market rates for comparable loans.
FHLB-NY stock – It is not practicable to determine the fair value of FHLB-NY stock due to restrictions placed on the transferability of the stock.
Accrued interest receivable – The carrying amount approximates fair value.
Deposits – The fair value of deposits, with no stated maturity, such as noninterest-bearing demand deposits, savings, NOW and money market accounts, is equal to the amount payable on demand resulting in a Level 1 classification.  The fair value of certificates of deposit is based on the discounted value of cash flows resulting in a Level 2 classification.  The discount rate is estimated using market discount rates which reflect interest rate risk inherent in the certificates of deposit.  Fair values estimated in this manner do not fully incorporate an exit-price approach to fair value, but instead are based on a comparison to current market rates for comparable deposits.
FHLB-NY advances – With respect to FHLB-NY borrowings, the fair value is based on the discounted value of cash flows. The discount rate is estimated using market discount rates which reflect the interest rate risk and credit risk inherent in the term borrowings resulting in a Level 2 classification.
Securities sold under agreements to repurchase – The carrying value approximates fair value due to the relatively short time before maturity resulting in a Level 2 classification.
Subordinated debentures – The fair value of the Debentures is based on the discounted value of the cash flows. The discount rate is estimated using market rates which reflect the interest rate and credit risk inherent in the Debentures resulting in a Level 3 classification.
Accrued interest payable – The carrying amount approximates fair value.
Interest rate swap – The fair value of derivatives, which is included in Accrued Expenses and Other Liabilities on the Consolidated Statements of Financial Condition, are based on valuation models using observable market data as of the measurement date (Level 2).
Commitments to extend credit – The fair value of commitments is estimated using the fees currently charged to enter into similar agreements, taking into account the remaining terms of the agreements and the present credit worthiness of the counter parties. At December 31, 2014 and 2013 the fair value of such commitments were not material.
Limitations
The preceding fair value estimates were made at December 31, 2014 and 2013 based on pertinent market data and relevant information concerning the financial instruments.  These estimates do not include any premiums or discounts that could result from an offer to sell at one time the Corporation's entire holdings of a particular financial instrument or category thereof.  Since no market exists for a substantial portion of the Corporation's financial instruments, fair value estimates were necessarily based on judgments with respect to future expected loss experience, current economic conditions, risk assessments of various financial instruments, and other factors.  Given the subjective nature of these estimates, the uncertainties surrounding them and the matters of significant judgment that must be applied, these fair value estimates cannot be calculated with precision.  Modifications in such assumptions could meaningfully alter these estimates.
Since these fair value approximations were made solely for on- and off-balance sheet financial instruments at December 31, 2014 and 2013, no attempt was made to estimate the value of anticipated future business.  Furthermore, certain tax implications related to the realization of unrealized gains and losses could have a substantial impact on these fair value estimates and have not been incorporated into the estimates.

PARENT_COMPANY_ONLY

PARENT COMPANY ONLY	12 Months Ended
	Dec. 31, 2014
PARENT COMPANY ONLY [Abstract]
PARENT COMPANY ONLY	Note 18. PARENT COMPANY ONLY
	The Corporation was formed in January 1995 as a bank holding company to operate its wholly-owned subsidiary, Atlantic Stewardship Bank. The earnings of the Bank are recognized by the Corporation using the equity method of accounting.  Accordingly, the Bank dividends paid reduce the Corporation's investment in the subsidiary. Condensed financial statements are presented below:
	Condensed Statements of Financial Condition
		December 31,
		2014			2013
	Assets
	Cash and due from banks	$	253,000		$	231,000
	Securities available-for-sale		989,000			951,000
	Investment in subsidiary		64,388,000			59,662,000
	Accrued interest receivable		2,000			2,000
	Other assets		964,000			701,000
	Total assets	$	66,596,000		$	61,547,000
	Liabilities and Shareholders' equity
	Subordinated debentures	$	7,217,000		$	7,217,000
	Other liabilities		410,000			551,000
	Shareholders' equity		58,969,000			53,779,000
	Total liabilities and Shareholders' equity	$	66,596,000		$	61,547,000
	Condensed Statements of Income
		Years Ended December 31,
		2014			2013
	Interest income - securities available-for-sale	$	15,000		$	15,000
	Dividend income		1,610,000			1,475,000
	Other income		7,000			7,000
	Total income		1,632,000			1,497,000
	Interest expense		504,000			504,000
	Other expenses		306,000			321,000
	Total expenses		810,000			825,000
	Income before income tax benefit		822,000			672,000
	Tax benefit		(266,000	)		(272,000	)
	Income before equity in undistributed earnings of subsidiary		1,088,000			944,000
	Equity in undistributed earnings of subsidiary		1,997,000			1,526,000
	Net income		3,085,000			2,470,000
	Dividends on preferred stock and accretion		683,000			633,000
	Net income available to common shareholders	$	2,402,000		$	1,837,000
	Condensed Statements of Cash Flows
		Years Ended December 31,
		2014			2013
	Cash flows from operating activities:
	Net income	$	3,085,000		$	2,470,000
	Adjustments to reconcile net income to
	net cash provided by operating activities:
	Equity in undistributed earnings of subsidiary		(1,997,000	)		(1,526,000	)
	Decrease in accrued interest receivable		—			3,000
	Increase in other assets		(276,000	)		(231,000	)
	Increase in other liabilities		7,000			39,000
	Net cash provided by operating activities		819,000			755,000
	Cash flows from investing activities:
	Purchase of securities available-for-sale		—			(500,000	)
	Proceeds from calls on securities available-for-sale		—			500,000
	Net cash provided by investing activities		—			—
	Cash flows from financing activities:
	Cash dividends paid on common stock		(300,000	)		(238,000	)
	Cash dividends paid on preferred stock		(683,000	)		(633,000	)
	Payment of discount on dividend reinvestment plan		(2,000	)		(2,000	)
	Issuance of common stock		188,000			86,000
	Net cash used in financing activities		(797,000	)		(787,000	)
	Net decrease in cash and cash equivalents		22,000			(32,000	)
	Cash and cash equivalents - beginning		231,000			263,000
	Cash and cash equivalents - ending	$	253,000		$	231,000

ACCUMULATED_OTHER_COMPREHENSIV

ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS)	12 Months Ended
	Dec. 31, 2014
ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) [Abstract]
ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS)	Note 19. ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS)
	The components of comprehensive income (loss), both gross and net of tax, are presented for the periods below:
		Year Ended
		31-Dec-14												31-Dec-13
						Tax												Tax
		Gross				Effect				Net				Gross				Effect			Net
	Net income	$	4,504,000			$	(1,419,000	)		$	3,085,000			$	3,110,000			$	(640,000	)	$	2,470,000
	Other comprehensive (loss) income:
	Change in unrealized holding
	gains (losses) on securities
	available-for-sale		5,162,000				(2,000,000	)			3,162,000				(7,031,000	)			2,725,000			(4,306,000	)
	Reclassification adjustment
	for gains in net income		(165,000	)			66,000				(99,000	)			(153,000	)			57,000			(96,000	)
	Loss on securities reclassifed
	from available-for-sale to
	held to maturity		(742,000	)			285,000				(457,000	)			—				—			—
	Accretion of loss on securities
	reclassified to held to maturity		130,000				(50,000	)			80,000				—				—			—
	Change in fair value of
	interest rate swap		246,000				(99,000	)			147,000				253,000				(101,000	)		152,000
	Total other comprehensive
	income (loss)		4,631,000				(1,798,000	)			2,833,000				(6,931,000	)			2,681,000			(4,250,000	)
	Total comprehensive income (loss)	$	9,135,000			$	(3,217,000	)		$	5,918,000			$	(3,821,000	)		$	2,041,000		$	(1,780,000	)
	The following table presents the after-tax changes in the balances of each component of accumulated other comprehensive income for the years ended December 31, 2014 and 2013.
			Year Ended December 31, 2014
			Components of
			Accumulated Other Comprehensive Income												Total
			Unrealized Gains				Loss on securities				Unrealized				Accumulated
			and (Losses) on				reclassifed from				Gains and				Other
			Available-for-Sale				available for sale				(Losses) on				Comprehensive
			(AFS) Securities				to held to maturity				Derivatives				Income (Loss)
	Balance at December 31, 2013		$	(3,455,000	)		$	—			$	(335,000	)		$	(3,790,000	)
	Other comprehensive income (loss)
	before reclassifications			3,162,000				(377,000	)			147,000				2,932,000
	Amounts reclassified from
	other comprehensive income			(99,000	)			—				—				(99,000	)
	Other comprehensive income, net			3,063,000				(377,000	)			147,000				2,833,000
	Balance at December 31, 2014		$	(392,000	)		$	(377,000	)		$	(188,000	)		$	(957,000	)
			Year Ended December 31, 2013
			Components of
			Accumulated Other Comprehensive Income												Total
			Unrealized Gains				Loss on securities				Unrealized				Accumulated
			and (Losses) on				reclassifed from				Gains and				Other
			Available-for-Sale				available for sale				(Losses) on				Comprehensive
			(AFS) Securities				to held to maturity				Derivatives				Income (Loss)
	Balance at December 31, 2012		$	947,000			$	—			$	(487,000	)		$	460,000
	Other comprehensive income (loss)
	before reclassifications			(4,306,000	)			—				152,000				(4,154,000	)
	Amounts reclassified from
	other comprehensive income			(96,000	)			—				—				(96,000	)
	Other comprehensive income, net			(4,402,000	)			—				152,000				(4,250,000	)
	Balance at December 31, 2013		$	(3,455,000	)		$	—			$	(335,000	)		$	(3,790,000	)
	The following table presents amounts reclassified from each component of accumulated other comprehensive income on a gross and net of tax basis for the years ended December 31, 2014 and 2013.
		Years Ended								Income
	Components of Accumulated Other	December 31,								Statement
	Comprehensive (Loss)	2014				2013				Line Item
	Unrealized gains on AFS securities
	before tax	$	165,000			$	153,000			Gains on securities transactions, net
	Tax effect		(66,000		)		(57,000		)
	Total, net of tax		99,000				96,000
	Total reclassifications, net of tax	$	99,000			$	96,000

QUARTERLY_FINANCIAL_DATA_Unaud

QUARTERLY FINANCIAL DATA (Unaudited)	12 Months Ended
	Dec. 31, 2014
QUARTERLY FINANCIAL DATA (Unaudited) [Abstract]
QUARTERLY FINANCIAL DATA (Unaudited)	Note 20. QUARTERLY FINANCIAL DATA (Unaudited)
	The following table contains quarterly financial data for the years ended December 31, 2014 and 2013 (dollars in thousands).
		Year Ended December 31, 2014
		First			Second		Third		Fourth
		Quarter			Quarter		Quarter		Quarter			Total
	Interest income	$	6,145		$	6,186	$	6,069	$	6,534		$	24,934
	Interest expense		839			810		791		767			3,207
	Net interest income before provision for loan losses		5,306			5,376		5,278		5,767			21,727
	Provision for loan losses		—			—		250		(300	)		(50	)
	Net interest income after provision for loan losses		5,306			5,376		5,028		6,067			21,777
	Noninterest income		399			807		764		990			2,960
	Noninterest expenses		5,094			5,106		4,989		5,044			20,233
	Income before income tax expense (benefit)		611			1,077		803		2,013			4,504
	Income tax expense (benefit)		105			351		251		712			1,419
	Net income		506			726		552		1,301			3,085
	Dividends on preferred stock		171			171		170		171			683
	Net income available to common shareholders	$	335		$	555	$	382	$	1,130		$	2,402
	Basic and diluted earnings per share	$	0.06		$	0.09	$	0.06	$	0.19		$	0.4
		Year Ended December 31, 2013
		First			Second		Third		Fourth
		Quarter			Quarter		Quarter		Quarter			Total
	Interest income	$	6,870		$	6,636	$	6,536	$	6,529		$	26,571
	Interest expense		1,004			958		940		911			3,813
	Net interest income before provision for loan losses		5,866			5,678		5,596		5,618			22,758
	Provision for loan losses		1,600			850		900		425			3,775
	Net interest income after provision for loan losses		4,266			4,828		4,696		5,193			18,983
	Noninterest income		1,474			995		971		525			3,965
	Noninterest expenses		4,932			5,131		4,874		4,901			19,838
	Income before income tax expense (benefit)		808			692		793		817			3,110
	Income tax expense (benefit)		(14	)		231		271		152			640
	Net income		822			461		522		665			2,470
	Dividends on preferred stock		166			127		170		170			633
	Net income available to common shareholders	$	656		$	334	$	352	$	495		$	1,837
	Basic and diluted earnings per share	$	0.11		$	0.06	$	0.06	$	0.08		$	0.31

SIGNIFICANT_ACCOUNTING_POLICIE1

SIGNIFICANT ACCOUNTING POLICIES (Policies)	12 Months Ended
	Dec. 31, 2014
SIGNIFICANT ACCOUNTING POLICIES [Abstract]
Nature of operations and principles of consolidation	Nature of operations and principles of consolidation
	The consolidated financial statements include the accounts of Stewardship Financial Corporation and its wholly owned subsidiary, Atlantic Stewardship Bank (“the Bank”), together referred to as “the Corporation”.  The Bank includes its wholly-owned subsidiaries, Stewardship Investment Corporation (whose primary business is to own and manage an investment portfolio), Stewardship Realty LLC (whose primary business is to own and manage property at 612 Godwin Avenue, Midland Park, New Jersey), Atlantic Stewardship Insurance Company, LLC (whose primary business is insurance) and several other subsidiaries formed to hold title to properties acquired through foreclosure or deed in lieu of foreclosure.  The Bank's subsidiaries have an insignificant impact on the daily operations.  All intercompany accounts and transactions are eliminated in the consolidated financial statements.
	The Corporation provides financial services through the Bank's offices in Bergen, Passaic, and Morris Counties, New Jersey.  Its primary deposit products are checking, savings, and term certificate accounts, and its primary lending products are commercial, residential mortgage and installment loans.  Substantially all loans are secured by specific items of collateral including business assets, consumer assets, and commercial and residential real estate.  Commercial loans are expected to be repaid from cash flow generated from the operations of businesses.  There are no significant concentrations of loans to any one industry or customer.  The Corporation's lending activities are concentrated in loans secured by real estate located in northern New Jersey and, therefore, collectability of the loan portfolio is susceptible to changes in real estate market conditions in the northern New Jersey market.  The Corporation has not made loans to borrowers outside the United States.
Basis of consolidated financial statements presentation	Basis of consolidated financial statements presentation
	The consolidated financial statements of the Corporation have been prepared in conformity with U.S. generally accepted accounting principles (“GAAP”).  In preparing the financial statements, management is required to make estimates and assumptions, based on available information, that affect the amounts reported in the financial statements and the disclosures provided.  The estimate of the allowance for loan losses, the valuation of deferred tax assets, and fair value and impairment of securities are particularly critical because they involve a higher degree of complexity and subjectivity and require estimates and assumptions about highly uncertain matters. Actual results may differ from those estimates and assumptions. The current economic environment has increased the degree of uncertainty inherent in these material estimates.
Cash flows	Cash flows
	Cash and cash equivalents include cash and deposits with other financial institutions under 90 days and interest-bearing deposits in other banks with original maturities under 90 days.  Net cash flows are reported for customer loan and deposit transactions, and short term borrowings and securities sold under agreement to repurchase.
Securities available-forsale and held to maturity	Securities available-for-sale and held to maturity
	The Corporation classifies its securities as held to maturity or available-for-sale.  Investments in debt securities that the Corporation has the positive intent and ability to hold to maturity are classified as securities held to maturity and are carried at amortized cost.  All other securities are classified as securities available-for-sale.  Securities available-for-sale may be sold prior to maturity in response to changes in interest rates or prepayment risk, for asset/liability management purposes, or other similar factors.  These securities are carried at fair value with unrealized holding gains or losses reported in a separate component of shareholders' equity, net of the related tax effects.
	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.
Federal Home Loan Bank ("FHLB") Stock	Federal Home Loan Bank (“FHLB”) Stock
	The Bank is a member of the FHLB system.  Members are required to own a certain amount of FHLB stock based on the level of borrowings and other factors.  FHLB stock is carried at cost, classified as a restricted security, and periodically evaluated for impairment based on the ultimate recovery of par value.  Cash dividends are reported as income.
Loans held for sale	Loans held for sale
	Loans held for sale generally represent mortgage loans originated and intended for sale in the secondary market, which are carried at the lower of cost or fair value on an aggregate basis.  Mortgage loans held for sale are carried net of deferred fees, which are recognized as income at the time the loans are sold to permanent investors.  Gains or losses on the sale of mortgage loans held for sale are recognized at the settlement date and are determined by the difference between the net proceeds and the amortized cost.  All loans are sold with loan servicing rights released to the buyer.  There were no loans held for sale at December 31, 2014.
	Loans held for sale at December 31, 2013 represent a group of nonperforming loans to a single borrower that were being marketed for sale.  The estimated fair value was based on the fair value of the notes.
Loans	Loans
	Loans that management has the intent and ability to hold for the foreseeable future or until maturity or payoff are reported at the principal amount outstanding, net of deferred loan fees and costs and an allowance for loan losses.  Interest income is accrued on the unpaid principal balance.  Loan origination fees, net of certain direct origination costs, are deferred and recognized in interest income using the level-yield method without anticipating prepayments.  The recorded investment in loans represents the outstanding principal balance after charge-offs and does not include accrued interest receivable as the inclusion is not significant to the reported amounts.
	Interest income on loans is discontinued at the time the loan is 90 days delinquent unless the loan is well secured and in process of collection.  Past due status is based on the contractual terms of the loan.  In all cases, loans are placed on nonaccrual or are 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.
	All interest accrued but not received for loans placed on nonaccrual 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 an accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured.
Allowance for loan losses	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 management believes the collectability of the full loan balance is in doubt.  Subsequent recoveries, if any, are credited to the allowance.  Management estimates the allowance balance required using past loan loss experience, the nature and volume of the portfolio, information about specific borrower situations and estimated collateral values, economic conditions and other factors.  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.
	A loan is considered impaired when, based on current information and events, it is probable that the Corporation will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement.  Loans for which the terms have been modified and for which the borrower is experiencing financial difficulties are considered troubled debt restructuring 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.  Management determines 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.  Impairment is measured on a loan by loan basis by either the present value of expected future cash flows discounted at the loan's effective interest rate, the fair value of the note, or the fair value of the collateral if the loan is collateral-dependent.  Large groups of smaller balance homogeneous loans, such as consumer and residential real estate loans are collectively evaluated for impairment and, accordingly, they are not separately identified for impairment disclosures.  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, the Corporation determines the amount of reserve in accordance with the accounting policy for the allowance for loan losses.
	The general component of the allowance is based on historical loss experience, including an appropriate loss emergence period, adjusted for qualitative factors.  The historical loss experience is determined for each portfolio segment and class, and is based on the actual loss history experienced by the Corporation over the most recent 5 years.  For each portfolio segment the Bank prepares an analysis which examines the historical loss experience as well as the loss emergence period.  The analysis is updated quarterly for the purpose of determining the assigned allocation factors which are essential components of the allowance for loan losses calculation.  This actual loss experience is supplemented with other qualitative factors based on the risks present for each portfolio segment or class.  These qualitative factors include consideration of the following: levels of and trends in charge-offs; levels of and trends in delinquencies and impaired loans; levels and trends in loan size; levels of real estate concentrations; national and local economic trends and conditions; the depth and experience of lending management and staff; and other changes in lending policies, procedures, and practices.
	For purposes of determining the allowance for loan losses, loans in the portfolio are segregated by type into the following segments: commercial, commercial real estate, construction, residential real estate, consumer and other.  The Corporation also sub-divides these segments into classes based on the associated risks within those segments.  Commercial loans are divided into the following two classes: secured by real estate and other.  Construction loans are divided into the following two classes: commercial and residential.  Consumer loans are divided into two classes: secured by real estate and other.  The models and assumptions used to determine the allowance require management's judgment.  Assumptions, data and computations are appropriately reviewed and properly documented.
	The risk characteristics of each of the identified portfolio segments are as follows:
	Commercial – Commercial loans are generally of higher risk and typically are made on the basis of the borrower's ability to make repayment from the cash flow of the borrower's business.  As a result, the availability of funds for the repayment of commercial loans may depend substantially on the success of the business itself.  Furthermore, any collateral securing such loans may depreciate over time, may be difficult to appraise and may fluctuate in value.
	Commercial Real Estate – Commercial real estate loans are secured by multi-family and nonresidential real estate and generally have larger balances and generally are considered to involve a greater degree of risk than residential real estate loans.  Commercial real estate loans depend on the global cash flow analysis of the borrower and the net operating income of the property, the borrower's expertise, credit history and profitability, and the value of the underlying property.  Of primary concern in commercial real estate lending is the borrower's creditworthiness and the cash flow from the property.  Payments on loans secured by income producing properties often depend on successful operation and management of the properties.  As a result, repayment of such loans may be subject, to a greater extent than residential real estate loans, to adverse conditions in the real estate market or the economy.  Commercial real estate is also subject to adverse market conditions that cause a decrease in market value or lease rates, obsolescence in location or function and market conditions associated with over supply of units in a specific region.
	Construction – Construction financing is generally considered to involve a higher degree of risk of loss than long-term financing on improved, occupied real estate.  Risk of loss on a construction loan depends largely upon the accuracy of the initial estimate of the property's value at completion of construction and the estimated cost of construction.  During the construction phase, a number of factors could result in delays and cost overruns.  If the estimate of construction costs proves to be inaccurate, additional funds may be required to be advanced in excess of the amount originally committed to permit completion of the building.  If the estimate of value proves to be inaccurate, the value of the building may be insufficient to assure full repayment if liquidation is required.  If foreclosure is required on a building before or at completion due to a default, there can be no assurance that all of the unpaid balance of, and accrued interest on, the loan as well as related foreclosure and holding costs will be recovered.
	Residential Real Estate – Residential real estate loans are generally made on the basis of the borrower's ability to make repayment from his or her employment income or other income, and which are secured by real property whose value tends to be more easily ascertainable.  Repayment of residential real estate loans is subject to adverse employment conditions in the local economy leading to increased default rate and decreased market values from oversupply in a geographic area.  In general, residential real estate loans depend on the borrower's continuing financial stability and, therefore, are likely to be adversely affected by various factors, including job loss, divorce, illness or personal bankruptcy.  Furthermore, the application of various federal and state laws, including federal and state bankruptcy and insolvency laws, may limit the amount that can be recovered on such loans.
	Consumer loans – Consumer loans secured by real estate may entail greater risk than residential mortgage loans due to a lower lien position.  In addition, other consumer loans, particularly loans secured by assets that depreciate rapidly, such as motor vehicles, are subject to greater risk.  In all cases, collateral for a defaulted consumer loan may not provide an adequate source of repayment for the outstanding loan and a small remaining deficiency often does not warrant further substantial collection efforts against the borrower.  Consumer loan collections depend on the borrower's continuing financial stability and, therefore, are likely to be adversely affected by various factors, including job loss, divorce, illness or personal bankruptcy.  Furthermore, the application of various federal and state laws, including federal and state bankruptcy and insolvency laws, may limit the amount that can be recovered on such loans.
	Generally, when it is probable that some portion or all of a loan balance will not be collected, regardless of portfolio segment, that amount is charged-off as a loss against the allowance for loan losses. On loans secured by real estate, the charge-offs reflect partial writedowns due to the initial valuation of market values of the underlying real estate collateral in accordance with Financial Accounting Standards Board (“FASB”) Accounting Standards Codification (“ASC”) 310-40.  Consumer loans are generally charged-off in full when they reach 90 – 120 days past due.
Transfers of Financial Assets	Transfers of Financial Assets
	Transfers of financial assets are accounted for as sales, when control over the assets has been relinquished.  Control over transferred assets is deemed to be surrendered when the assets have been isolated from the Corporation, the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets, and the Corporation does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity.
Premises and Equipment	Premises and equipment
	Land is stated at cost.  Buildings and improvements and furniture, fixtures and equipment are stated at cost, less accumulated depreciation computed on the straight-line method over the estimated lives of each type of asset.  Estimated useful lives are three to forty years for buildings and improvements and three to twenty-five years for furniture, fixtures and equipment.  Leasehold improvements are stated at cost less accumulated amortization computed on the straight-line method over the shorter of the term of the lease or useful life.
Long-Term Assets	Long-Term Assets
	Premises and equipment and other long-term assets are reviewed for impairment when events indicate their carrying amount may not be recovered from future undiscounted cash flows.  If impaired, the assets are recorded at fair value.
Other Real Estate Owned	Other Real Estate Owned
	Other real estate owned (OREO) consists of property acquired through foreclosure or deed in lieu of foreclosure and property that is in-substance foreclosed.  OREO is initially recorded at fair value less estimated selling costs.  When a property is acquired, the excess of the carrying amount over fair value, if any, is charged to the allowance for loan losses.  Subsequent adjustments to the carrying value are recorded in an allowance for OREO and charged to OREO expense.
Bank owned life insurance	Bank owned life insurance
	The Corporation has purchased life insurance policies on certain key officers.  Bank 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.
Dividend Reinvestment Plan	Dividend Reinvestment Plan
	The Corporation offers shareholders the opportunity to participate in a dividend reinvestment plan. Plan participants may reinvest cash dividends to purchase new shares of stock at 95% of the market value, based on the most recent trades.  Cash dividends due to the plan participants are utilized to acquire shares from either, or a combination of, the issuance of authorized shares or purchases of shares in the open market through an approved broker. The Corporation reimburses the broker for the 5% discount when the purchase of the Corporation's stock is completed.  The plan is considered to be non-compensatory.
Stock-based compensation	Stock-based compensation
	Stock-based compensation cost is based on the fair value of the awards at the date of grant. The fair value of restricted stock awards is based upon the average of the high and low sale price reported for the Corporation's common stock on the date of grant. Compensation cost is recognized for restricted stock over the required service period, generally defined as the vesting period.
Income taxes	Income taxes
	The Corporation records income taxes in accordance with ASC 740, Income Taxes, as amended, using the asset and liability method.  Accordingly, deferred tax assets and liabilities: (i) are recognized for the expected future tax consequences of events that have been recognized in the financial statements or tax returns; (ii) are attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases; and (iii) are measured using enacted tax rates expected to apply in the years when those temporary differences are expected to be recovered or settled.  Where applicable, deferred tax assets are reduced by a valuation allowance for any portions determined not likely to be realized.  The effect on deferred tax assets and liabilities of a change in tax rates is recognized in income tax expense in the period of enactment.  The valuation allowance is adjusted, by a charge or credit to income tax expense, as changes in facts and circumstances warrant.
	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.  The Corporation recognizes interest and/or penalties related to income tax matters in income tax expense.
Comprehensive income (loss)	Comprehensive income (loss)
	Comprehensive income (loss) consists of net income and other comprehensive income (loss).  Other comprehensive income includes unrealized gains and losses on securities available-for-sale, accretion of losses related to securities transferred from available-for-sale to held to maturity, and unrealized gains or losses on cash flow hedges, net of tax, which are also recognized as separate components of equity.
Earnings per common share	Earnings per common share
	Basic earnings per common share is calculated by dividing net income available to common shareholders by the weighted average number of common shares outstanding during the period.  Common stock equivalents are not included in the calculation.
	Diluted earnings per share is computed similar to that of the basic earnings per share except that the denominator is increased to include the number of additional common shares that would have been outstanding if all potential dilutive common shares were issued.
Loan Commitments and Related Financial Instruments	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.
Loss Contingencies	Loss contingencies
	Loss contingencies, including claims and legal actions arising in the ordinary course of business, are recorded as liabilities when the likelihood of loss is probable and an amount or range of loss can be reasonably estimated.  Management does not believe there are such matters that will have a material effect on the financial statements.
Dividend restriction	Dividend restriction
	Banking regulations require maintaining certain capital levels and may limit the dividends paid by the Bank to the Corporation or by the Corporation to its shareholders. The Corporation's ability to pay cash dividends is based, among other things, on its ability to receive cash 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 profits, combined with the retained net profits of the preceding two years.  At December 31, 2014 the Bank could have paid dividends totaling approximately $3.94 million. At December 31, 2014, this restriction did not result in any effective limitation in the manner in which the Corporation is currently operating.  See Note 10 to the consolidated financial statements with respect to restrictions on the Corporation's ability to declare and pay dividends resulting from the terms of the Corporation's Series B Preferred Shares.
Derivatives	Derivatives
	Derivative financial instruments are recognized as assets or liabilities at fair value.  The Corporation's only free standing derivative consists of an interest rate swap agreement, which is used as part of its asset liability management strategy to help manage interest rate risk related to its subordinated debentures.  The Corporation does not use derivatives for trading purposes.
	The Corporation designated the interest rate swap as a cash flow hedge, which is a hedge of a forecasted transaction or the variability of cash flows to be received or paid related to a recognized asset or liability.  For a cash flow hedge, the change in the fair value on the derivative is reported in other comprehensive income (loss) and is reclassified into earnings in the same periods during which the hedged transaction affects earnings.  Net cash settlements on this interest rate swap that qualify for hedge accounting are recorded in interest expense.  Changes in the fair value of derivatives that are not highly effective in hedging the changes in fair value or expected cash flows of the hedged item are recognized immediately in current earnings.
	The Corporation formally documented the risk-management objective and the strategy for undertaking the hedge transaction at the inception of the hedging relationship.  This documentation includes linking the fair value of the cash flow hedge to the subordinated debt on the balance sheet.  The Corporation formally assessed, both at the hedge's inception and on an ongoing basis, whether the derivative instrument used is highly effective in offsetting changes in cash flows of the subordinated debt.
	When a cash flow hedge is discontinued but the hedged cash flows or forecasted transactions are still expected to occur, gains or losses that would be accumulated in other comprehensive income are amortized into earnings over the same periods which the hedged transactions will affect earnings.
Fair Values of Financial Instruments	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.
Adoption of New Accounting Standards	Adoption of New Accounting Standards
	In July 2013, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“ASU”) No. 2013-11, "Income Taxes, Presentation of an Unrecognized Tax Benefit When a Net Operating Loss Carryforward, a Similar Tax Loss, or a Tax Credit Carryforward Exists".  This ASU requires that an unrecognized tax benefit, or a portion thereof, should be presented in the consolidated 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.  This ASU applies to all entities that have unrecognized tax benefits when a net operating loss carryforward, a similar tax loss, or a tax credit carryforward exists at the reporting date.  The standard is effective for reporting periods, including interim periods, beginning after December 15, 2013.  The adoption of the standard did not have a material effect on the Corporation's consolidated financial statements.
	In January 2014, the FASB issued ASU 2014-04, “Receivables – Troubled Debt Restructurings by Creditors (Subtopic 310-40) Reclassification of Residential Real Estate Collateralized Consumer Mortgage Loans upon Foreclosure,”  This ASU applies to all creditors who obtain physical possession of residential real estate property collateralizing a consumer mortgage loan in satisfaction of a receivable.  The amendments in this ASU clarify when an in substance repossession or foreclosure occurs and requires disclosure of both (1) the amount of foreclosed residential real estate property held by a creditor and (2) the recorded investment in consumer mortgage loans collateralized by residential real estate property that are in the process of foreclosure according to local requirements of the applicable jurisdiction. The amendments in ASU 2014-04 are effective for fiscal years, including interim periods, beginning after December 15, 2014.  The adoption of the amendments in this ASU are not expected to have a material impact on the Corporation's consolidated financial statements.

SECURITIES_AVAILABLEFORSALE_AN1

SECURITIES - AVAILABLE-FOR-SALE AND HELD TO MATURITY (Tables)	12 Months Ended
	Dec. 31, 2014
SECURITIES - AVAILABLE-FOR-SALE AND HELD TO MATURITY [Abstract]
Schedule of Fair Value of Securities Available For Sale and Related Gross Unrealized Gains and Losses			December 31, 2014
			Amortized					Gross Unrealized									Fair
			Cost					Gains					Losses				Value
	U.S. government-sponsored agencies		$	30,701,000				$	94,000				$	521,000			$	30,274,000
	Obligations of state and political subdivisions			1,420,000					2,000					22,000				1,400,000
	Mortgage-backed securities-residential			76,894,000					521,000					672,000				76,743,000
	Asset-backed securities (a)			9,874,000					57,000					16,000				9,915,000
	Corporate debt			2,998,000					6,000					7,000				2,997,000
	Total debt securities			121,887,000					680,000					1,238,000				121,329,000
	Other equity investments			3,664,000					—					75,000				3,589,000
			$	125,551,000				$	680,000				$	1,313,000			$	124,918,000
			December 31, 2013
			Amortized					Gross Unrealized									Fair
			Cost					Gains					Losses				Value
	U.S. government-sponsored agencies		$	41,066,000				$	15,000				$	2,389,000			$	38,692,000
	Obligations of state and political subdivisions			1,429,000					—					71,000				1,358,000
	Mortgage-backed securities-residential			115,134,000					244,000					3,143,000				112,235,000
	Asset-backed securities (a)			9,874,000					11,000					49,000				9,836,000
	Corporate debt			2,995,000					5,000					115,000				2,885,000
	Total debt securities			170,498,000					275,000					5,767,000				165,006,000
	Other equity investments			3,543,000					—					138,000				3,405,000
			$	174,041,000				$	275,000				$	5,905,000			$	168,411,000
Schedule of Held to Maturity Securities and Related Unrecognized Gains and Losses			December 31, 2014
			Amortized					Gross Unrealized									Fair
			Cost					Gains					Losses				Value
	U.S. government-sponsored agencies		$	11,962,000				$	177,000				$	—			$	12,139,000
	Obligations of state and political subdivisions			15,636,000					514,000					—				16,150,000
	Mortgage-backed securities-residential			27,499,000					511,000					66,000				27,944,000
			$	55,097,000				$	1,202,000				$	66,000			$	56,233,000
			31-Dec-13
			Amortized					Gross Unrealized									Fair
			Cost					Gains					Losses				Value
	U.S. government-sponsored agencies		$	258,000				$	31,000				$	—			$	289,000
	Obligations of state and political subdivisions			20,642,000					838,000					—				21,480,000
	Mortgage-backed securities-residential			5,064,000					388,000					—				5,452,000
			$	25,964,000				$	1,257,000				$	—			$	27,221,000
Amortized Cost and Fair Value of the Investment Securities Portfolio by Contractual Maturity.						December 31,2014
						Amortized					Fair
						Cost					Value
		Available-for-sale
		Within one year				$	498,000				$	500,000
		After one year, but within five years					10,424,000					10,319,000
		After five years, but within ten years					16,474,000					16,422,000
		After ten years					7,723,000					7,430,000
		Mortgage-backed securities - residential					76,894,000					76,743,000
		Asset-backed securities					9,874,000					9,915,000
		Total				$	121,887,000				$	121,329,000
		Held to maturity
		Within one year				$	3,638,000				$	3,671,000
		After one year, but within five years					8,438,000					8,755,000
		After five years, but within ten years					12,490,000					12,767,000
		After ten years					3,032,000					3,096,000
		Mortgage-backed securities - residential					27,499,000					27,944,000
		Total				$	55,097,000				$	56,233,000
Schedule of Continuous unrealized loss position for investment securities available for sale and held to maturity	Available-for-Sale
	31-Dec-14			Less than 12 Months								12 Months or Longer							Total
				Fair				Unrealized				Fair			Unrealized				Fair		Unrealized
				Value				Losses				Value			Losses				Value		Losses
	U.S. government-
	sponsored agencies			$	—			$	—			$	23,750,000		$	(521,000	)		$	23,750,000	$	(521,000	)
	Obligations of state and
	political subdivisions				—				—				992,000			(22,000	)			992,000		(22,000	)
	Mortgage-backed
	securities - residential				5,985,000				(22,000	)			30,445,000			(650,000	)			36,430,000		(672,000	)
	Asset-backed securities				3,022,000				(16,000	)			—			—				3,022,000		(16,000	)
	Corporate debt				—				—				1,494,000			(7,000	)			1,494,000		(7,000	)
	Other equity investments				—				—				3,529,000			(75,000	)			3,529,000		(75,000	)
	Total temporarily
	impaired securities			$	9,007,000			$	(38,000	)		$	60,210,000		$	(1,275,000	)		$	69,217,000	$	(1,313,000	)
	31-Dec-13			Less than 12 Months								12 Months or Longer							Total
				Fair				Unrealized				Fair			Unrealized				Fair		Unrealized
				Value				Losses				Value			Losses				Value		Losses
	U.S. government-
	sponsored agencies			$	24,517,000			$	(1,531,000	)		$	8,987,000		$	(858,000	)		$	33,504,000	$	(2,389,000	)
	Obligations of state and
	political subdivisions				949,000				(43,000	)			409,000			(28,000	)			1,358,000		(71,000	)
	Mortgage-backed
	securities - residential				75,183,000				(2,304,000	)			13,334,000			(839,000	)			88,517,000		(3,143,000	)
	Asset-backed securities				8,791,000				(49,000	)			—			—				8,791,000		(49,000	)
	Corporate debt				2,385,000				(115,000	)			—			—				2,385,000		(115,000	)
	Other equity investments				3,346,000				(138,000	)			—			—				3,346,000		(138,000	)
	Total temporarily
	impaired securities			$	115,171,000			$	(4,180,000	)		$	22,730,000		$	(1,725,000	)		$	137,901,000	$	(5,905,000	)
	Held to Maturity
	31-Dec-14			Less than 12 Months								12 Months or Longer							Total
				Fair				Unrealized				Fair			Unrealized				Fair		Unrealized
				Value				Losses				Value			Losses				Value		Losses
	Mortgage-backed
	securities - residential			$	8,788,000			$	(66,000	)		$	—		$	—			$	8,788,000	$	(66,000	)
	Total temporarily
	impaired securities			$	8,788,000			$	(66,000	)		$	—		$	—			$	8,788,000	$	(66,000	)
	31-Dec-13			Less than 12 Months								12 Months or Longer							Total
				Fair				Unrealized				Fair			Unrealized				Fair		Unrealized
				Value				Losses				Value			Losses				Value		Losses
	Mortgage-backed
	securities - residential			$	—			$	—			$	—		$	—			$	—	$	—
	Total temporarily
	impaired securities			$	—			$	—			$	—		$	—			$	—	$	—

LOANS_AND_ALLOWANCE_FOR_LOAN_L1

LOANS AND ALLOWANCE FOR LOAN LOSSES (Tables)	12 Months Ended
	Dec. 31, 2014
LOANS AND ALLOWANCE FOR LOAN LOSSES [Abstract]
Loan Portfolio Schedule							December 31,
							2014					2013
	Commercial:
	Secured by real estate						$	46,545,000				$	46,162,000
	Other							29,307,000					27,728,000
	Commercial real estate							286,063,000					253,035,000
	Commercial construction							4,215,000					3,445,000
	Residential real estate							77,836,000					77,540,000
	Consumer:
	Secured by real estate							27,319,000					25,458,000
	Other							939,000					534,000
	Small Business Administration - guaranteed portion							5,000,000					—
	Other							96,000					107,000
	Total gross loans							477,320,000					434,009,000
	Less: Deferred loan costs (fees), net							19,000					(168,000	)
	Allowance for loan losses							9,602,000					9,915,000
								9,621,000					9,747,000
	Loans, net						$	467,699,000				$	424,262,000
Schedule of Allowance for Loan Losses					Year Ended December 31, 2014
					Balance					Provision										Recoveries					Balance
					beginning of					charged to					Loans					of loans					end of
					period					operations					charged-off					charged-off					period
	Commercial				$	3,373,000				$	377,000				$	(262,000	)			$	216,000				$	3,704,000
	Commercial real estate					5,665,000					(396,000	)				(1,110,000	)				858,000					5,017,000
	Commercial construction					117,000					(15,000	)				—					48,000					150,000
	Residential real estate					460,000					(311,000	)				(7,000	)				—					142,000
	Consumer					288,000					(93,000	)				(6,000	)				—					189,000
	Other					3,000					—					(1,000	)				—					2,000
	Unallocated					9,000					388,000					1,000					—					398,000
	Balance, ending				$	9,915,000				$	(50,000	)			$	(1,385,000	)			$	1,122,000				$	9,602,000
						Year Ended December 31, 2013
					Balance					Provision										Recoveries					Balance
					beginning of					charged to					Loans					of loans					end of
					period					operations					charged-off					charged-off					period
	Commercial				$	4,832,000				$	(824,000	)			$	(983,000	)			$	348,000				$	3,373,000
	Commercial real estate					4,936,000					4,395,000					(3,785,000	)				119,000					5,665,000
	Commercial construction					169,000					(54,000	)				(24,000	)				26,000					117,000
	Residential real estate					308,000					235,000					(83,000	)				—					460,000
	Consumer					352,000					60,000					(145,000	)				21,000					288,000
	Other					3,000					(1,000	)				(1,000	)				2,000					3,000
	Unallocated					41,000					(36,000	)				—					4,000					9,000
	Balance, ending				$	10,641,000				$	3,775,000				$	(5,021,000	)			$	520,000				$	9,915,000
		December 31, 2014
						Commercial				Commercial				Residential												Other
		Commercial				Real Estate				Construction				Real Estate				Consumer				SBA				Loans				Unallocated		Total
	Allowance for
	loan losses:
	Ending
	Allowance
	balance
	attributable
	to loans
	Individually
	evaluated
	for
	impairment	$	223,000			$	697,000			$	—			$	—			$	—			$	—			$	—			$	—	$	920,000
	Collectively
	evaluated
	for
	impairment		3,481,000				4,320,000				150,000				142,000				189,000				—				2,000				398,000		8,682,000
	Total ending
	allowance
	balance	$	3,704,000			$	5,017,000			$	150,000			$	142,000			$	189,000			$	—			$	2,000			$	398,000	$	9,602,000
	Loans:
	Loans
	individually
	evaluated
	for
	impairment	$	6,042,000			$	8,913,000			$	288,000			$	96,000			$	326,000			$	—			$	—			$	—	$	15,665,000
	Loans
	collectively
	evaluated
	for
	impairment		69,810,000				277,150,000				3,927,000				77,740,000				27,932,000				5,000,000				96,000				—		461,655,000
	Total ending
	Loan balance	$	75,852,000			$	286,063,000			$	4,215,000			$	77,836,000			$	28,258,000			$	5,000,000			$	96,000			$	—	$	477,320,000
		December 31, 2013
						Commercial				Commercial				Residential								Other
		Commercial				Real Estate				Construction				Real Estate				Consumer				Loans				Unallocated				Total
	Allowance for
	loan losses:
	Ending
Allowance
balance
attributable
to loans
Individually
evaluated
for
impairment	$	300,000			$	72,000			$	—			$	—			$	—			$	—			$	—			$	372,000
Collectively
evaluated
for
impairment		3,073,000				5,593,000				117,000				460,000				288,000				3,000				9,000				9,543,000
Total ending
allowance
balance	$	3,373,000			$	5,665,000			$	117,000			$	460,000			$	288,000			$	3,000			$	9,000			$	9,915,000
Loans:
Loans
individually
evaluated
for
impairment	$	7,261,000			$	12,821,000			$	1,196,000			$	755,000			$	617,000			$	—			$	—			$	22,650,000
Loans
collectively
evaluated
for
impairment		66,629,000				240,214,000				2,249,000				76,785,000				25,375,000				107,000				—				411,359,000
Total ending
Loan balance	$	73,890,000			$	253,035,000			$	3,445,000			$	77,540,000			$	25,992,000			$	107,000			$	—			$	434,009,000
Schedule of Recorded Investment in Nonaccrual Loans							December 31,
							2014					2013
	Commercial:
	Secured by real estate						$	1,923,000				$	2,182,000
	Other							—					73,000
	Commercial real estate							1,284,000					6,592,000
	Residential real estate							96,000					755,000
	Consumer:
	Secured by real estate							325,000					617,000
	Total nonaccrual loans						$	3,628,000				$	10,219,000
Schedule of Recorded Investments in Impaired Loans				At And For The Year Ended December 31, 2014
														Allowance
				Unpaid										for Loan					Average					Interest
				Principal					Recorded					Losses					Recorded					Income
				Balance					Investment					Allocated					Investment					Recognized
	With no related allowance recorded:
	Commercial:
	Secured by real estate			$	5,997,000				$	4,838,000									$	5,443,000				$	225,000
	Other				66,000					58,000										65,000					3,000
	Commercial real estate				4,609,000					3,279,000										6,755,000					155,000
	Commercial construction				652,000					288,000										517,000					71,000
	Residential real estate				132,000					96,000										526,000					—
	Consumer:
	Secured by real estate				333,000					326,000										506,000					—
	With an allowance recorded:
	Commercial:
	Secured by real estate				458,000					436,000				$	213,000					437,000					16,000
	Other				713,000					710,000					10,000					750,000					44,000
	Commercial real estate				5,643,000					5,634,000					697,000					3,922,000					233,000
	Commercial construction				—					—					—					420,000					—
	Total impaired loans			$	18,603,000				$	15,665,000				$	920,000				$	19,341,000				$	747,000
				At And For The Year Ended December 31, 2013
														Allowance
				Unpaid										for Loan					Average					Interest
				Principal					Recorded					Losses					Recorded					Income
				Balance					Investment					Allocated					Investment					Recognized
	With no related allowance recorded:
	Commercial:
	Secured by real estate			$	7,204,000				$	5,756,000									$	6,286,000				$	239,000
	Other				80,000					73,000										98,000					1,000
	Commercial real estate				12,920,000					10,474,000										9,952,000					118,000
	Commercial construction				567,000					528,000										2,753,000					52,000
	Residential real estate				826,000					755,000										529,000					—
	Consumer:
	Secured by real estate				630,000					617,000										730,000					—
	With an allowance recorded:
	Commercial:
	Secured by real estate				686,000					559,000				$	269,000					900,000					28,000
	Other				877,000					873,000					31,000					1,067,000					52,000
	Commercial real estate				2,356,000					2,347,000					72,000					3,174,000					47,000
	Commercial construction				1,043,000					668,000					—					430,000					43,000
	Residential real estate				—					—					—					36,000					—
	Consumer:
	Secured by real estate				—					—					—					68,000					—
	Total impaired loans			$	27,189,000				$	22,650,000				$	372,000				$	26,023,000				$	580,000
Schedule of Aging of the Recorded Investment in Past Due Loans by Class of Loans			December 31, 2014
											Greater than
			30-59 Days				60-89 Days				90 Days				Total Past				Loans Not
			Past Due				Past Due				Past Due				Due				Past Due				Total
	Commercial:
	Secured by
	real estate		$	546,000			$	—			$	1,508,000			$	2,054,000			$	44,491,000			$	46,545,000
	Other			225,000				—				—				225,000				29,082,000				29,307,000
	Commercial real
	estate			—				330,000				836,000				1,166,000				284,897,000				286,063,000
	Commercial construction			—				—				—				—				4,215,000				4,215,000
	Residential real
	estate			—				—				—				—				77,836,000				77,836,000
	Consumer:
	Secured by
	real estate			—				—				249,000				249,000				27,070,000				27,319,000
	Other			—				—				—				—				939,000				939,000
	SBA			—				—				—				—				5,000,000				5,000,000
	Other			—				—				—				—				96,000				96,000
	Total		$	771,000			$	330,000			$	2,593,000			$	3,694,000			$	473,626,000			$	477,320,000
			31-Dec-13
											Greater than
			30-59 Days					60-89 Days			90 Days					Total Past				Loans Not
			Past Due				Past Due				Past Due				Due				Past Due				Total
	Commercial:
	Secured by
	real estate		$	866,000			$	—			$	499,000			$	1,365,000			$	44,797,000			$	46,162,000
	Other			—				—				—				—				27,728,000				27,728,000
	Commercial real
	estate			1,043,000				—				5,100,000				6,143,000				246,892,000				253,035,000
	Commercial construction			—				—				—				—				3,445,000				3,445,000
	Residential real
	estate			—				—				523,000				523,000				77,017,000				77,540,000
	Consumer:
	Secured by
	real estate			—				—				479,000				479,000				24,979,000				25,458,000
	Other			—				3,000				—				3,000				531,000				534,000
	Other			—				—				—				—				107,000				107,000
	Total		$	1,909,000			$	3,000			$	6,601,000			$	8,513,000			$	425,496,000			$	434,009,000
Schedule of Troubled Debt Restructurings			December 31, 2014													December 31, 2013
							Pre-				Post-									Pre-				Post-
			Number				Modification				Modification					Number				Modification				Modification
			of				Recorded				Recorded					of				Recorded				Recorded
			Loans				Investment				Investment					Loans				Investment				Investment
	Commercial:
	Secured by real estate			2			$	252,000			$	252,000					—			$	—			$	—
	Other			—				—				—					1				17,000				17,000
	Commercial real estate			1				111,000				111,000					3				6,361,000				6,361,000
	Total			3			$	363,000			$	363,000					4			$	6,378,000			$	6,378,000
Schedule of Loans by Credit Quality Indicators			December 31, 2014
									Special
				Pass					Mention					Substandard					Doubtful					Loss					Total
	Commercial:
	Secured by real estate		$	41,091,000				$	3,531,000				$	1,923,000				$	—				$	—				$	46,545,000
	Other			27,903,000					616,000					788,000					—					—					29,307,000
	Commercial real estate			274,788,000					5,521,000					5,754,000					—					—					286,063,000
	Commercial construction			2,709,000					1,506,000					—					—					—					4,215,000
	Total		$	346,491,000				$	11,174,000				$	8,465,000				$	—				$	—				$	366,130,000
			31-Dec-13
									Special
				Pass					Mention					Substandard					Doubtful					Loss					Total
	Commercial:
	Secured by real estate		$	39,114,000				$	3,387,000				$	3,661,000				$	—				$	—				$	46,162,000
	Other			25,604,000					1,325,000					799,000					—					—					27,728,000
	Commercial real estate			241,488,000					7,326,000					4,221,000					—					—					253,035,000
	Commercial construction			2,164,000					1,281,000					—					—					—					3,445,000
	Total		$	308,370,000				$	13,319,000				$	8,681,000				$	—				$	—				$	330,370,000
Schedule of Recorded Investment in Residential Real Estate and Consumer Loans Based on Payment Activity							December 31, 2014
												Past Due and
							Current					Nonaccrual					Total
	Residential real estate						$	77,740,000				$	96,000				$	77,836,000
	Consumer:
	Secured by real estate							25,867,000					1,452,000					27,319,000
	Other							930,000					9,000					939,000
	Total						$	104,537,000				$	1,557,000				$	106,094,000
							December 31, 2013
												Past Due and
							Current					Nonaccrual					Total
	Residential real estate						$	76,785,000				$	755,000				$	77,540,000
	Consumer:
	Secured by real estate							23,584,000					1,874,000					25,458,000
	Other							527,000					7,000					534,000
	Total						$	100,896,000				$	2,636,000				$	103,532,000

PREMISES_AND_EQUIPMENT_NET_Tab

PREMISES AND EQUIPMENT, NET (Tables)	12 Months Ended
	Dec. 31, 2014
PREMISES AND EQUIPMENT, NET [Abstract]
Schedule of Premises and Equipment		December 31,
		2014		2013
	Land	$	3,219,000	$	2,999,000
	Buildings and improvements		4,082,000		3,281,000
	Leasehold improvements		2,246,000		2,246,000
	Furniture, fixtures, and equipment		2,401,000		2,195,000
			11,948,000		10,721,000
	Less: accumulated depreciation and amortization		5,371,000		4,982,000
	Total premises & equipment, net	$	6,577,000	$	5,739,000

OTHER_REAL_ESTATE_OWNED_Tables

OTHER REAL ESTATE OWNED (Tables)	12 Months Ended
	Dec. 31, 2014
OTHER REAL ESTATE OWNED [Abstract]
Schedule of Other Real Estate Owned		December 31,
		2014			2013
	Aquired by foreclosure or deed in lieu of foreclosure	$	1,375,000		$	480,000
	Allowance for losses on other real estate owned		(67,000	)		(29,000	)
	Other real estate, net	$	1,308,000		$	451,000
Schedule of Activity in Allowance for Losses on Other Real Estate Owned		Years Ended December 31,
		2014			2013
	Beginning of year	$	29,000		$	—
	Additions charged to expense		235,000			29,000
	Reductions from sales of other real estate owned		(197,000	)		—
	End of year	$	67,000		$	29,000
Schedule of Expenses Realted to Other Real Estate Owned		Years Ended December 31,
		2014			2013
	Provision for unrealized losses	$	235,000		$	29,000
	Operating expenses, net of rental income		195,000			114,000
	End of year	$	430,000		$	143,000

DEPOSITS_Tables

DEPOSITS (Tables)	12 Months Ended
	Dec. 31, 2014
DEPOSITS [Abstract]
Schedule of Deposit Liabilities		December 31,
		2014		2013
	Noninterest-bearing demand	$	136,721,000	$	133,565,000
	Interest-bearing checking accounts		168,319,000		179,892,000
	Money market accounts		41,906,000		47,366,000
	Total interest-bearing demand		210,225,000		227,258,000
	Statement savings and clubs		71,202,000		71,103,000
	Business savings		5,220,000		9,177,000
	Total savings		76,422,000		80,280,000
	IRA investment and variable rate savings		28,765,000		32,160,000
	Brokered certificates		10,496,000		—
	Money market certificates		93,847,000		104,328,000
	Total certificates of deposit		133,108,000		136,488,000
	Total interest-bearing deposits		419,755,000		444,026,000
	Total deposits	$	556,476,000	$	577,591,000
Schedule of Maturities of Time Deposits		December 31,
	2015		56,846,000
	2016		42,376,000
	2017		14,753,000
	2018		5,196,000
	2019		13,937,000
		$	133,108,000

BORROWINGS_Tables

BORROWINGS (Tables)	12 Months Ended
	Dec. 31, 2014
BORROWINGS [Abstract]
Schedule of Maturities of FHLB Advances		31-Dec-14					31-Dec-13
					Weighted				Weighted
					Average				Average
	Advances maturing	Amount			Rate		Amount		Rate
	Within one year	$	26,700,000		2.10%		$	—	—%
	After one year, but within two years		10,000,000		1.64%			—	—%
	After two years, but within three years		15,000,000		3.74%			10,000,000	1.64%
	After three years, but within four years		15,000,000		3.35%			5,000,000	1.16%
	After four years, but within five years		—		—%			10,000,000	1.85%
		$	66,700,000		2.68%		$	25,000,000	1.63%
Schedule of Securities Sold under Agreements to Repurchase			December 31,
			2014		2013
	Balance		$	—	$	7,300,000
	Weighted average interest rate at year end			0.00%		4.95%
	Maximum amount outstanding at any month end
	during the year		$	7,601,000	$	8,044,000
	Average amount outstanding during the year		$	5,255,000	$	7,501,000
	Average interest rate during the year			4.83%		4.89%

REGULATORY_CAPITAL_REQUIREMENT1

REGULATORY CAPITAL REQUIREMENTS (Tables)	12 Months Ended
	Dec. 31, 2014
REGULATORY CAPITAL REQUIREMENTS [Abstract]
Schedule of Regulatory Capital Requirements								To Be Well Capitalized
					Required for Capital			Under Prompt Corrective
		Actual			Adequacy Purposes			Action Regulations
		Amount		Ratio	Amount		Ratio	Amount		Ratio
	31-Dec-14
	Leverage (Tier 1) capital
	Consolidated	$	64,399,000	9.45%	$	27,265,000	4.00%		N/A	N/A
	Bank		62,622,000	9.20%		27,214,000	4.00%	$	34,018,000	5	%
	Risk-based capital:
	Tier 1
	Consolidated		64,399,000	13.04%		19,751,000	4.00%		N/A	N/A
	Bank		62,622,000	12.69%		19,740,000	4.00%		29,609,000	6	%
	Total
	Consolidated		70,614,000	14.30%		39,502,000	8.00%		N/A	N/A
	Bank		68,833,000	13.95%		39,479,000	8.00%		49,349,000	10	%
	31-Dec-13
	Leverage (Tier 1) capital
	Consolidated	$	61,461,000	9.04%	$	27,200,000	4.00%		N/A	N/A
	Bank		59,976,000	8.84%		27,135,000	4.00%	$	33,919,000	5	%
	Risk-based capital:
	Tier 1
	Consolidated		61,461,000	13.52%		18,184,000	4.00%		N/A	N/A
	Bank		59,976,000	13.21%		18,156,000	4.00%		27,233,000	6	%
	Total
	Consolidated		67,196,000	14.78%		36,368,000	8.00%		N/A	N/A
	Bank		65,702,000	14.48%		36,311,000	8.00%		45,389,000	10	%

EARNINGS_PER_COMMON_SHARE_Tabl

EARNINGS PER COMMON SHARE (Tables)	12 Months Ended
	Dec. 31, 2014
EARNINGS PER COMMON SHARE [Abstract]
Schedule of Earnings Per Common Share		Years Ended December 31,
		2014		2013
	Net Income	$	3,085,000	$	2,470,000
	Dividends on preferred stock and accretion		683,000		633,000
	Net income available to common shareholders	$	2,402,000	$	1,837,000
	Weighted-average common shares outstanding - basic		6,003,814		5,937,058
	Effect of dilutive securities - stock options		N/A		N/A
	Weighted average common shares outstanding - diluted		6,003,814		5,937,058
	Basic earnings per common share	$	0.4	$	0.31
	Diluted earnings per common share	$	0.4	$	0.31

INCOME_TAXES_Tables

INCOME TAXES (Tables)	12 Months Ended
	Dec. 31, 2014
INCOME TAXES [Abstract]
Schedule of Components of Income Tax Benefit		Years Ended December 31,
		2014			2013
	Current tax expense (benefit)
	Federal	$	634,000		$	221,000
	State		159,000			49,000
			793,000			270,000
	Deferred tax expense (benefit)
	Federal		392,000			180,000
	State		273,000			167,000
	Valuation allowance		(39,000	)		23,000
			626,000			370,000
		$	1,419,000		$	640,000
Schedule of Effective Income Tax Rate Reconciliation		Years Ended December 31,
		2014			2013
	Federal income tax	$	1,531,000		$	1,057,000
	Add (deduct) effect of:
	State income taxes, net of federal income tax effect		246,000			146,000
	Nontaxable interest income		(255,000	)		(376,000	)
	Bank owned life insurance		(141,000	)		(305,000	)
	Nondeductible expenses		10,000			15,000
	Write-off of Federal deferred tax asset		—			90,000
	Change in valuation reserve		—			19,000
	Other items, net		28,000			(6,000	)
	Effective federal income taxes	$	1,419,000		$	640,000
Schedule of Deferred Tax Assets and Liabilities		December 31,
		2014			2013
	Deferred tax assets:
	Allowance for loan losses	$	3,835,000		$	3,960,000
	Accrued compensation		159,000			120,000
	Nonaccrual loan interest		453,000			915,000
	Depreciation		382,000			434,000
	Contribution carry forward		146,000			178,000
	Restricted stock		28,000			—
	OREO reserve		27,000			—
	Accrued contributions		21,000			—
	State net operating loss carry forward		23,000			122,000
	Unrealized loss on fair value of interest rate swap		125,000			223,000
	Unrealized loss on securities available-for-sale		477,000			2,176,000
	Alternate minimum tax		425,000			434,000
			6,101,000			8,562,000
	Valuation reserve		(163,000	)		(202,000	)
			5,938,000			8,360,000
	Deferred tax liabilities
	Other		4,000			4,000
			4,000			4,000
	Net deferred tax assets	$	5,934,000		$	8,356,000

COMMITMENTS_AND_CONTINGENCIES_

COMMITMENTS AND CONTINGENCIES (Tables)	12 Months Ended
	Dec. 31, 2014
COMMITMENTS AND CONTINGENCIES [Abstract]
Schedule of Future Minimum Payments on Operating Leases	Year Ending	Minimum
	December 31,	Rent
	2015	$	693,000
	2016		661,000
	2017		648,000
	2018		584,000
	2019		513,000
	Thereafter		1,760,000
		$	4,859,000

INTEREST_RATE_SWAP_Tables

INTEREST RATE SWAP (Tables)	12 Months Ended
	Dec. 31, 2014
INTEREST RATE SWAP [Abstract]
Schedule of Derivative Summary Information	Notional amount	$7,000,000
	Pay rate	7.00%
	Receive rate	3 month LIBOR plus 2.95%
	Maturity	17-Mar-16
	Unrealized loss	($314,000)
Schedule of Derivatives recorded in accumulated comprehensive income			Year Ended December 31, 2014
					Amount of gain		Amount of gain (loss)
			Amount of gain		(loss) reclassified		recognized in other
			recognized in OCI		from OCI to interest		noninterest income
			(Effective Portion)		income		(Ineffective Portion)
	Interest rate contract		$	147,000	$	—	$	—
			Year Ended December 31, 2013
					Amount of gain		Amount of gain (loss)
			Amount of gain		(loss) reclassified		recognized in other
			recognized in OCI		from OCI to interest		noninterest income
			(Effective Portion)		income		(Ineffective Portion)
	Interest rate contract		$	152,000	$	—	$	—

FAIR_VALUE_OF_FINANCIAL_INSTRU1

FAIR VALUE OF FINANCIAL INSTRUMENTS (Tables)	12 Months Ended
	Dec. 31, 2014
FAIR VALUE OF FINANCIAL INSTRUMENTS [Abstract]
Schedule of Assets and Liabilities Measured at Fair Value on Recurring Basis						Fair Value Measurements Using
						Quoted Prices					Significant
						in Active					Other				Significant
						Markets for					Observable				Unobservable
						Identical Assets					Inputs				Inputs
		Carrying Value				(Level 1)					(Level 2)				(Level 3)
		31-Dec-14
	Assets:
	Available-for-sale securities
	U.S. government -
	sponsored agencies	$	30,274,000			$	—				$	30,274,000			$	—
	Obligations of state and
	political subdivisions		1,400,000				—					1,400,000				—
	Mortgage-backed
	securities - residential		76,743,000				—					76,743,000				—
	Asset-backed securities		9,915,000				—					9,915,000				—
	Corporate bonds		2,997,000				—					2,997,000				—
	Other equity investments		3,589,000				3,529,000					60,000				—
	Total available-for-sale
	securities	$	124,918,000			$	3,529,000				$	121,389,000			$	—
	Liabilities:
	Interest rate swap	$	314,000			$	—				$	314,000			$	—
		31-Dec-13
	Assets:
	Available-for-sale securities
	U.S. government -
	sponsored agencies	$	38,692,000			$	—				$	38,692,000			$	—
	Obligations of state and
	political subdivisions		1,358,000				—					1,358,000				—
	Mortgage-backed
	securities - residential		112,235,000				—					112,235,000				—
	Asset-backed securities		9,836,000				—					9,836,000				—
	Corporate bonds		2,885,000				—					2,885,000				—
	Other equity investments		3,405,000				3,345,000					60,000				—
	Total available-for-sale
	securities	$	168,411,000			$	3,345,000				$	165,066,000			$	—
	Liabilities:
	Interest rate swap	$	559,000			$	—				$	559,000			$	—
Schedule of Assets and Liabilities Measured at Fair Value on Non-recurring Basis					Fair Value Measurements Using
					Quoted Prices				Significant
					in Active				Other				Significant
					Markets for				Observable				Unobservable
					Identical Assets				Inputs				Inputs
		Carrying Value			(Level 1)				(Level 2)				(Level 3)
		31-Dec-14
	Assets:
	Impaired loans
	Commercial:
	Secured by real estate	$	1,348,000		$	—			$	—			$	1,348,000
	Commercial real estate		205,000			—				—				205,000
	Consumer:
	Secured by real estate		49,000			—				—				49,000
	Other real estate owned		1,117,000			—				—				1,117,000
		$	2,719,000		$	—			$	—			$	2,719,000
		31-Dec-13
	Assets:
	Impaired loans
	Commercial:
	Secured by real estate	$	5,861,000		$	—			$	—			$	5,861,000
	Commercial real estate		8,483,000			—				—				8,483,000
	Commercial Construction		1,196,000			—				—				1,196,000
	Residential real estate		755,000			—				—				755,000
	Consumer:
	Secured by real estate		617,000			—				—				617,000
	Other real estate owned		451,000			—				—				451,000
		$	17,363,000		$	—			$	—			$	17,363,000
Schedule of Fair Value Assumptions for Level 3 Asset Measurements					31-Dec-14
	Assets		Fair Value		Valuation Technique		Unobservable Inputs		Range
	Impaired loans	$	1,602,000		Comparable real estate sales and / or the income approach.		Adjustments for differences between comparable sales and income data available.			5% - 25%
							Estimated selling costs.			7%
	Other real estate owned	$	1,117,000		Comparable real estate sales and / or the income approach.		Adjustments for differences between comparable sales and income data available.			0% - 62%
							Estimated selling costs.			7%
					31-Dec-13
	Assets		Fair Value		Valuation Technique		Unobservable Inputs		Range
	Impaired loans	$	16,912,000		Comparable real estate sales and / or the income approach.		Adjustments for differences between comparable sales and income data available.			1% - 25%
							Estimated selling costs.			7%
	Other real estate owned	$	451,000		Comparable real estate sales and / or the income approach.		Adjustments for differences between comparable sales and income data available.			5% - 8%
							Estimated selling costs.			7%
Schedule of Fair Value Estimates for the Financial Instruments						Fair Value Measurements Using
							Quoted Prices					Significant
							in Active					Other			Significant
							Markets for					Observable			Unobservable
							Identical Assets					Inputs			Inputs
			Carrying Value				(Level 1)					(Level 2)			(Level 3)
			31-Dec-14
	Financial assets:
	Cash and cash equivalents		$	10,086,000			$	10,086,000				$	—		$	—
	Securities available-for-sale			124,918,000				3,529,000					121,389,000			—
	Securities held to maturity			55,097,000				—					56,233,000			—
	FHLB-NY stock			3,777,000				N/A					N/A			N/A
	Loans, net			467,699,000				—					—			478,451,000
	Accrued interest receivable			1,994,000				—					646,000			1,348,000
	Financial liabilities:
	Deposits			556,476,000				424,117,000					132,513,000			—
	FHLB-NY advances			66,700,000				—					67,087,000			—
	Subordinated debentures			7,217,000				—					—			7,203,000
	Accrued interest payable			308,000				1,000					288,000			19,000
	Interest rate swap			314,000				—					314,000			—
						Fair Value Measurements Using
							Quoted Prices					Significant
							in Active					Other			Significant
							Markets for					Observable			Unobservable
							Identical Assets					Inputs			Inputs
			Carrying Value				(Level 1)					(Level 2)			(Level 3)
			31-Dec-13
	Financial assets:
	Cash and cash equivalents		$	17,405,000			$	17,405,000				$	—		$	—
	Securities available-for-sale			168,411,000				3,345,000					165,066,000			—
	Securities held to maturity			25,964,000				—					27,221,000			—
	FHLB-NY stock			2,133,000				N/A					N/A			N/A
	Loans held for sale			2,800,000				—					—			2,800,000
	Loans, net			424,262,000				—					—			434,126,000
	Accrued interest receivable			2,066,000				—					735,000			1,331,000
	Financial liabilities:
	Deposits			577,591,000				441,790,000					136,268,000			—
	FHLB-NY advances			25,000,000				—					25,404,000			—
	Securities sold under
	agreements to repurchase			7,300,000				—					7,525,000			—
	Subordinated debentures			7,217,000				—					—			7,213,000
	Accrued interest payable			401,000				1,000					380,000			20,000
	Interest rate swap			559,000				—					559,000			—

PARENT_COMPANY_ONLY_Tables

PARENT COMPANY ONLY (Tables)	12 Months Ended
	Dec. 31, 2014
PARENT COMPANY ONLY [Abstract]
Condensed Statements of Condition		December 31,
		2014			2013
	Assets
	Cash and due from banks	$	253,000		$	231,000
	Securities available-for-sale		989,000			951,000
	Investment in subsidiary		64,388,000			59,662,000
	Accrued interest receivable		2,000			2,000
	Other assets		964,000			701,000
	Total assets	$	66,596,000		$	61,547,000
	Liabilities and Shareholders' equity
	Subordinated debentures	$	7,217,000		$	7,217,000
	Other liabilities		410,000			551,000
	Shareholders' equity		58,969,000			53,779,000
	Total liabilities and Shareholders' equity	$	66,596,000		$	61,547,000
Condensed Statements of Income		Years Ended December 31,
		2014			2013
	Interest income - securities available-for-sale	$	15,000		$	15,000
	Dividend income		1,610,000			1,475,000
	Other income		7,000			7,000
	Total income		1,632,000			1,497,000
	Interest expense		504,000			504,000
	Other expenses		306,000			321,000
	Total expenses		810,000			825,000
	Income before income tax benefit		822,000			672,000
	Tax benefit		(266,000	)		(272,000	)
	Income before equity in undistributed earnings of subsidiary		1,088,000			944,000
	Equity in undistributed earnings of subsidiary		1,997,000			1,526,000
	Net income		3,085,000			2,470,000
	Dividends on preferred stock and accretion		683,000			633,000
	Net income available to common shareholders	$	2,402,000		$	1,837,000
Condensed Statements of Cash Flows		Years Ended December 31,
		2014			2013
	Cash flows from operating activities:
	Net income	$	3,085,000		$	2,470,000
	Adjustments to reconcile net income to
	net cash provided by operating activities:
	Equity in undistributed earnings of subsidiary		(1,997,000	)		(1,526,000	)
	Decrease in accrued interest receivable		—			3,000
	Increase in other assets		(276,000	)		(231,000	)
	Increase in other liabilities		7,000			39,000
	Net cash provided by operating activities		819,000			755,000
	Cash flows from investing activities:
	Purchase of securities available-for-sale		—			(500,000	)
	Proceeds from calls on securities available-for-sale		—			500,000
	Net cash provided by investing activities		—			—
	Cash flows from financing activities:
	Cash dividends paid on common stock		(300,000	)		(238,000	)
	Cash dividends paid on preferred stock		(683,000	)		(633,000	)
	Payment of discount on dividend reinvestment plan		(2,000	)		(2,000	)
	Issuance of common stock		188,000			86,000
	Net cash used in financing activities		(797,000	)		(787,000	)
	Net decrease in cash and cash equivalents		22,000			(32,000	)
	Cash and cash equivalents - beginning		231,000			263,000
	Cash and cash equivalents - ending	$	253,000		$	231,000

ACCUMULATED_OTHER_COMPREHENSIV1

ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) (Tables)	12 Months Ended
	Dec. 31, 2014
ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) [Abstract]
Schedule of components of comprehensive income (loss)		Year Ended
		31-Dec-14												31-Dec-13
						Tax												Tax
		Gross				Effect				Net				Gross				Effect			Net
	Net income	$	4,504,000			$	(1,419,000	)		$	3,085,000			$	3,110,000			$	(640,000	)	$	2,470,000
	Other comprehensive (loss) income:
	Change in unrealized holding
	gains (losses) on securities
	available-for-sale		5,162,000				(2,000,000	)			3,162,000				(7,031,000	)			2,725,000			(4,306,000	)
	Reclassification adjustment
	for gains in net income		(165,000	)			66,000				(99,000	)			(153,000	)			57,000			(96,000	)
	Loss on securities reclassifed
	from available-for-sale to
	held to maturity		(742,000	)			285,000				(457,000	)			—				—			—
	Accretion of loss on securities
	reclassified to held to maturity		130,000				(50,000	)			80,000				—				—			—
	Change in fair value of
	interest rate swap		246,000				(99,000	)			147,000				253,000				(101,000	)		152,000
	Total other comprehensive
	income (loss)		4,631,000				(1,798,000	)			2,833,000				(6,931,000	)			2,681,000			(4,250,000	)
	Total comprehensive income (loss)	$	9,135,000			$	(3,217,000	)		$	5,918,000			$	(3,821,000	)		$	2,041,000		$	(1,780,000	)
Schedule of Components of Accumulated Other Comprehensive Income			Year Ended December 31, 2014
			Components of
			Accumulated Other Comprehensive Income												Total
			Unrealized Gains				Loss on securities				Unrealized				Accumulated
			and (Losses) on				reclassifed from				Gains and				Other
			Available-for-Sale				available for sale				(Losses) on				Comprehensive
			(AFS) Securities				to held to maturity				Derivatives				Income (Loss)
	Balance at December 31, 2013		$	(3,455,000	)		$	—			$	(335,000	)		$	(3,790,000	)
	Other comprehensive income (loss)
	before reclassifications			3,162,000				(377,000	)			147,000				2,932,000
	Amounts reclassified from
	other comprehensive income			(99,000	)			—				—				(99,000	)
	Other comprehensive income, net			3,063,000				(377,000	)			147,000				2,833,000
	Balance at December 31, 2014		$	(392,000	)		$	(377,000	)		$	(188,000	)		$	(957,000	)
			Year Ended December 31, 2013
			Components of
			Accumulated Other Comprehensive Income												Total
			Unrealized Gains				Loss on securities				Unrealized				Accumulated
			and (Losses) on				reclassifed from				Gains and				Other
			Available-for-Sale				available for sale				(Losses) on				Comprehensive
			(AFS) Securities				to held to maturity				Derivatives				Income (Loss)
	Balance at December 31, 2012		$	947,000			$	—			$	(487,000	)		$	460,000
	Other comprehensive income (loss)
	before reclassifications			(4,306,000	)			—				152,000				(4,154,000	)
	Amounts reclassified from
	other comprehensive income			(96,000	)			—				—				(96,000	)
	Other comprehensive income, net			(4,402,000	)			—				152,000				(4,250,000	)
	Balance at December 31, 2013		$	(3,455,000	)		$	—			$	(335,000	)		$	(3,790,000	)
Schedule of Amount Reclassified from each Component of Accumulated Other Comprehensive Income		Years Ended								Income
	Components of Accumulated Other	December 31,								Statement
	Comprehensive (Loss)	2014				2013				Line Item
	Unrealized gains on AFS securities
	before tax	$	165,000			$	153,000			Gains on securities transactions, net
	Tax effect		(66,000		)		(57,000		)
	Total, net of tax		99,000				96,000
	Total reclassifications, net of tax	$	99,000			$	96,000

QUARTERLY_FINANCIAL_DATA_Table

QUARTERLY FINANCIAL DATA (Tables)	12 Months Ended
	Dec. 31, 2014
QUARTERLY FINANCIAL DATA (Unaudited) [Abstract]
Schedule of Quarterly Financial Data		Year Ended December 31, 2014
		First			Second		Third		Fourth
		Quarter			Quarter		Quarter		Quarter			Total
	Interest income	$	6,145		$	6,186	$	6,069	$	6,534		$	24,934
	Interest expense		839			810		791		767			3,207
	Net interest income before provision for loan losses		5,306			5,376		5,278		5,767			21,727
	Provision for loan losses		—			—		250		(300	)		(50	)
	Net interest income after provision for loan losses		5,306			5,376		5,028		6,067			21,777
	Noninterest income		399			807		764		990			2,960
	Noninterest expenses		5,094			5,106		4,989		5,044			20,233
	Income before income tax expense (benefit)		611			1,077		803		2,013			4,504
	Income tax expense (benefit)		105			351		251		712			1,419
	Net income		506			726		552		1,301			3,085
	Dividends on preferred stock		171			171		170		171			683
	Net income available to common shareholders	$	335		$	555	$	382	$	1,130		$	2,402
	Basic and diluted earnings per share	$	0.06		$	0.09	$	0.06	$	0.19		$	0.4
		Year Ended December 31, 2013
		First			Second		Third		Fourth
		Quarter			Quarter		Quarter		Quarter			Total
	Interest income	$	6,870		$	6,636	$	6,536	$	6,529		$	26,571
	Interest expense		1,004			958		940		911			3,813
	Net interest income before provision for loan losses		5,866			5,678		5,596		5,618			22,758
	Provision for loan losses		1,600			850		900		425			3,775
	Net interest income after provision for loan losses		4,266			4,828		4,696		5,193			18,983
	Noninterest income		1,474			995		971		525			3,965
	Noninterest expenses		4,932			5,131		4,874		4,901			19,838
	Income before income tax expense (benefit)		808			692		793		817			3,110
	Income tax expense (benefit)		(14	)		231		271		152			640
	Net income		822			461		522		665			2,470
	Dividends on preferred stock		166			127		170		170			633
	Net income available to common shareholders	$	656		$	334	$	352	$	495		$	1,837
	Basic and diluted earnings per share	$	0.11		$	0.06	$	0.06	$	0.08		$	0.31

SIGNIFICANT_ACCOUNTING_POLICIE2

SIGNIFICANT ACCOUNTING POLICIES (Details) (USD $)	Dec. 31, 2014
In Millions, unless otherwise specified
SIGNIFICANT ACCOUNTING POLICIES [Abstract]
Maximum dividends that may be paid	$3.94

SECURITIES_AVAILABLEFORSALE_AN2

SECURITIES - AVAILABLE-FOR-SALE AND HELD TO MATURITY (Narrative) (Details) (USD $)	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013
SECURITIES - AVAILABLE-FOR-SALE AND HELD TO MATURITY [Abstract]
Cash proceeds realized from sales and calls of securities available for sale	$11,155,000	$18,823,000
Gross realized gain from sales and calls of securities available for sale	165,000	233,000
Gross realized losses from sales and calls of securities available for sale	0	80,000
Available for sale securities pledged to secure public deposits	670,000	944,000
Proceeds from calls on securities held to maturity		1,170,000
Held to maturity securities pledged to secure public deposits	751,000	0
Reclassification of securities available-for-sale to held-to-maturity	24,022,000
Net loss on available-for-sale securities transferred to held-to-maturity	$742,000

SECURITIES_AVAILABLEFORSALE_AN3

SECURITIES - AVAILABLE-FOR-SALE AND HELD TO MATURITY (Schedule of Fair Value of Securities Available For Sale and Related Gross Unrealized Gains and Losses) (Details) (USD $)	12 Months Ended
	Dec. 31, 2014		Dec. 31, 2013
Available for sale securities
Amortized Cost	$125,551,000		$174,041,000
Gross Unrealized Gains	680,000		275,000
Gross Unrealized Losses	1,313,000		5,905,000
Fair Value	124,918,000		168,411,000
U.S. government-sponsored agencies [Member]
Available for sale securities
Amortized Cost	30,701,000		41,066,000
Gross Unrealized Gains	94,000		15,000
Gross Unrealized Losses	521,000		2,389,000
Fair Value	30,274,000		38,692,000
Obligations of state and political and subdivisions [Member]
Available for sale securities
Amortized Cost	1,420,000		1,429,000
Gross Unrealized Gains	2,000
Gross Unrealized Losses	22,000		71,000
Fair Value	1,400,000		1,358,000
Mortgage-backed securities - residential [Member]
Available for sale securities
Amortized Cost	76,894,000		115,134,000
Gross Unrealized Gains	521,000		244,000
Gross Unrealized Losses	672,000		3,143,000
Fair Value	76,743,000		112,235,000
Asset-backed Securities [Member]
Available for sale securities
Amortized Cost	9,874,000	[1]	9,874,000	[1]
Gross Unrealized Gains	57,000	[1]	11,000	[1]
Gross Unrealized Losses	16,000	[1]	49,000	[1]
Fair Value	9,915,000	[1]	9,836,000	[1]
Corporate Debt Securities [Member]
Available for sale securities
Amortized Cost	2,998,000		2,995,000
Gross Unrealized Gains	6,000		5,000
Gross Unrealized Losses	7,000		115,000
Fair Value	2,997,000		2,885,000
Total debt securities [Member]
Available for sale securities
Amortized Cost	121,887,000		170,498,000
Gross Unrealized Gains	680,000		275,000
Gross Unrealized Losses	1,238,000		5,767,000
Fair Value	121,329,000		165,006,000
Other equity investments [Member]
Available for sale securities
Amortized Cost	3,664,000		3,543,000
Gross Unrealized Gains
Gross Unrealized Losses	75,000		138,000
Fair Value	$3,589,000		$3,405,000
[1]	Collateralized by student loans

SECURITIES_AVAILABLEFORSALE_AN4

SECURITIES - AVAILABLE-FOR-SALE AND HELD TO MATURITY (Schedule of Held to Maturity Securities and Related Unrecognized Gains and Losses) (Details) (USD $)	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013
Held to maturity securities
Amortized Cost	$55,097,000	$25,964,000
Gross Unrealized Gains	1,202,000	1,257,000
Gross Unrealized Losses	66,000
Fair Value	56,233,000	27,221,000
U.S. government-sponsored agencies [Member]
Held to maturity securities
Amortized Cost	11,962,000	258,000
Gross Unrealized Gains	177,000	31,000
Gross Unrealized Losses
Fair Value	12,139,000	289,000
Obligations of state and political and subdivisions [Member]
Held to maturity securities
Amortized Cost	15,636,000	20,642,000
Gross Unrealized Gains	514,000	838,000
Gross Unrealized Losses
Fair Value	16,150,000	21,480,000
Mortgage-backed securities - residential [Member]
Held to maturity securities
Amortized Cost	27,499,000	5,064,000
Gross Unrealized Gains	511,000	388,000
Gross Unrealized Losses	66,000
Fair Value	$27,944,000	$5,452,000

SECURITIES_AVAILABLEFORSALE_AN5

SECURITIES - AVAILABLE-FOR-SALE AND HELD TO MATURITY (Schedule of Amortized Cost and Fair Value of the Investment Securities Portfolio by Contractual Maturity) (Details) (USD $)	Dec. 31, 2014	Dec. 31, 2013
Amortized Cost
Within one year	$498,000
After one year, but within five years	10,424,000
After five years, but within ten years	16,474,000
After ten years	7,723,000
Total	121,887,000
Fair value.
Within one year	500,000
After one year, but within five years	10,319,000
After five years, but within ten years	16,422,000
After ten years	7,430,000
Total	121,329,000
Amortized Cost
Within one year	3,638,000
After one year, but within five years	8,438,000
After five years, but within ten years	12,490,000
After ten years	3,032,000
Total	55,097,000	25,964,000
Fair Value
Within one year	3,671,000
After one year, but within five years	8,755,000
After five years, but within ten years	12,767,000
After ten years	3,096,000
Total	56,233,000	27,221,000
Mortgage-backed securities - residential [Member]
Amortized Cost
Total	76,894,000
Fair value.
Total	76,743,000
Amortized Cost
Total	27,499,000
Fair Value
Total	27,944,000	5,452,000
Asset-backed Securities [Member]
Amortized Cost
Total	9,874,000
Fair value.
Total	$9,915,000

SECURITIES_AVAILABLEFORSALE_AN6

SECURITIES - AVAILABLE-FOR-SALE AND HELD TO MATURITY (Schedule of Continuous Unrealized Loss Position for Investment Securities Available for Sale) (Details) (USD $)	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013
Available for sale securities, Continuous unrealized loss position
Less than 12 Months, Fair Value	$9,007,000	$115,171,000
Less than 12 Months, Unrealized Losses	-38,000	-4,180,000
12 Months or Longer, Fair Value	60,210,000	22,730,000
12 Months or Longer, Unrealized Losses	-1,275,000	-1,725,000
Fair Value	69,217,000	137,901,000
Unrealized Losses	-1,313,000	-5,905,000
Held to maturity securities, Continuous unrealized loss position
Less than 12 Months, Fair Value	8,788,000
Less than 12 Months, Unrealized Losses	-66,000
Fair Value	8,788,000
Unrealized Losses	-66,000
U.S. government-sponsored agencies [Member]
Available for sale securities, Continuous unrealized loss position
Less than 12 Months, Fair Value		24,517,000
Less than 12 Months, Unrealized Losses		-1,531,000
12 Months or Longer, Fair Value	23,750,000	8,987,000
12 Months or Longer, Unrealized Losses	-521,000	-858,000
Fair Value	23,750,000	33,504,000
Unrealized Losses	-521,000	-2,389,000
Obligations of state and political and subdivisions [Member]
Available for sale securities, Continuous unrealized loss position
Less than 12 Months, Fair Value		949,000
Less than 12 Months, Unrealized Losses		-43,000
12 Months or Longer, Fair Value	992,000	409,000
12 Months or Longer, Unrealized Losses	-22,000	-28,000
Fair Value	992,000	1,358,000
Unrealized Losses	-22,000	-71,000
Mortgage-backed securities - residential [Member]
Available for sale securities, Continuous unrealized loss position
Less than 12 Months, Fair Value	5,985,000	75,183,000
Less than 12 Months, Unrealized Losses	-22,000	-2,304,000
12 Months or Longer, Fair Value	30,445,000	13,334,000
12 Months or Longer, Unrealized Losses	-650,000	-839,000
Fair Value	36,430,000	88,517,000
Unrealized Losses	-672,000	-3,143,000
Held to maturity securities, Continuous unrealized loss position
Less than 12 Months, Fair Value	8,788,000
Less than 12 Months, Unrealized Losses	-66,000
Fair Value	8,788,000
Unrealized Losses	-66,000
Asset-backed Securities [Member]
Available for sale securities, Continuous unrealized loss position
Less than 12 Months, Fair Value	3,022,000	8,791,000
Less than 12 Months, Unrealized Losses	-16,000	-49,000
12 Months or Longer, Fair Value
12 Months or Longer, Unrealized Losses
Fair Value	3,022,000	8,791,000
Unrealized Losses	-16,000	-49,000
Corporate Debt Securities [Member]
Available for sale securities, Continuous unrealized loss position
Less than 12 Months, Fair Value		2,385,000
Less than 12 Months, Unrealized Losses		-115,000
12 Months or Longer, Fair Value	1,494,000
12 Months or Longer, Unrealized Losses	-7,000
Fair Value	1,494,000	2,385,000
Unrealized Losses	-7,000	-115,000
Other equity investments [Member]
Available for sale securities, Continuous unrealized loss position
Less than 12 Months, Fair Value		3,346,000
Less than 12 Months, Unrealized Losses		-138,000
12 Months or Longer, Fair Value	3,529,000
12 Months or Longer, Unrealized Losses	-75,000
Fair Value	3,529,000	3,346,000
Unrealized Losses	($75,000)	($138,000)

LOANS_AND_ALLOWANCE_FOR_LOAN_L2

LOANS AND ALLOWANCE FOR LOAN LOSSES (Narrative) (Details) (USD $)	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013
Loans participated by the Corporation to other organizations, recorded off-balance sheet	$12,948,000	$12,725,000
Loans receivable from related parties	2,533,000	2,515,000
Draws	854,000
Repayments	836,000
Total value of modified loans in troubled debt restructurings	12,900,000	16,600,000
Trouble debt restructuring classified as performing	12,000,000	15,200,000
Specific reserve related to TDR	868,000	281,000
Committed funds for construction loan, classified as troubled debt restructuring		257,000
Financing Receivable Modification of Satisfactory Performance Term For Partially Contingent Of Principal Forbearance	3 years
Troubled Debt Restructurings, increase in allowance for loan losses	587,000	63,000
Charge-offs related to trouble debt restructurings		616,000
Commercial real estate [Member]
Number of non accrual loans held for sale		4
Nonaccrual loans held for sale		$2,800,000

LOANS_AND_ALLOWANCE_FOR_LOAN_L3

LOANS AND ALLOWANCE FOR LOAN LOSSES (Loan Portfolio Schedule) (Details) (USD $)	Dec. 31, 2014	Dec. 31, 2013
Gross loans	$477,320,000	$434,009,000
Deferred loan costs (fees), net	19,000	-168,000
Allowance for loan losses	9,602,000	9,915,000
Allowance net of deferred loan fees	9,621,000	9,747,000
Loans, net	467,699,000	424,262,000
Commercial loan secured by real estate [Member]
Gross loans	46,545,000	46,162,000
Commercial loan - Other [Member]
Gross loans	29,307,000	27,728,000
Commercial real estate [Member]
Gross loans	286,063,000	253,035,000
Allowance for loan losses	5,017,000	5,665,000
Commercial Construction [Member]
Gross loans	4,215,000	3,445,000
Allowance for loan losses	150,000	117,000
Residential real estate [Member]
Gross loans	77,836,000	77,540,000
Allowance for loan losses	142,000	460,000
Consumer loan secured by real estate [Member]
Gross loans	27,319,000	25,458,000
Consumer loan - Other [Member]
Gross loans	939,000	534,000
Small business administration - guaranteed portion [Member]
Gross loans	5,000,000
Allowance for loan losses
Other Loans [Member]
Gross loans	96,000	107,000
Allowance for loan losses	$2,000	$3,000

LOANS_AND_ALLOWANCE_FOR_LOAN_L4

LOANS AND ALLOWANCE FOR LOAN LOSSES (Schedule of Allowance for Loan Losses) (Details) (USD $)	3 Months Ended								12 Months Ended
	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2013	Sep. 30, 2013	Jun. 30, 2013	Mar. 31, 2013	Dec. 31, 2014	Dec. 31, 2013
Activity in the allowance for loan losses
Balance at the beginning of period				$9,915,000				$10,641,000	$9,915,000	$10,641,000
Provision charged to operations	-300,000	250,000			425,000	900,000	850,000	1,600,000	-50,000	3,775,000
Loans charge-offs									-1,385,000	-5,021,000
Recoveries of loans charged-off									1,122,000	520,000
Balance at the end of period	9,602,000				9,915,000				9,602,000	9,915,000
Commercial [Member]
Activity in the allowance for loan losses
Balance at the beginning of period				3,373,000				4,832,000	3,373,000	4,832,000
Provision charged to operations									377,000	-824,000
Loans charge-offs									-262,000	-983,000
Recoveries of loans charged-off									216,000	348,000
Balance at the end of period	3,704,000				3,373,000				3,704,000	3,373,000
Commercial loan secured by real estate [Member]
Activity in the allowance for loan losses
Balance at the beginning of period				5,665,000				4,936,000	5,665,000	4,936,000
Provision charged to operations									-396,000	4,395,000
Loans charge-offs									-1,110,000	-3,785,000
Recoveries of loans charged-off									858,000	119,000
Balance at the end of period	5,017,000				5,665,000				5,017,000	5,665,000
Commercial Construction [Member]
Activity in the allowance for loan losses
Balance at the beginning of period				117,000				169,000	117,000	169,000
Provision charged to operations									-15,000	-54,000
Loans charge-offs										-24,000
Recoveries of loans charged-off									48,000	26,000
Balance at the end of period	150,000				117,000				150,000	117,000
Residential real estate [Member]
Activity in the allowance for loan losses
Balance at the beginning of period				460,000				308,000	460,000	308,000
Provision charged to operations									-311,000	235,000
Loans charge-offs									-7,000	-83,000
Recoveries of loans charged-off
Balance at the end of period	142,000				460,000				142,000	460,000
Consumer [Member]
Activity in the allowance for loan losses
Balance at the beginning of period				288,000				352,000	288,000	352,000
Provision charged to operations									-93,000	60,000
Loans charge-offs									-6,000	-145,000
Recoveries of loans charged-off										21,000
Balance at the end of period	189,000				288,000				189,000	288,000
Other Loans [Member]
Activity in the allowance for loan losses
Balance at the beginning of period				3,000				3,000	3,000	3,000
Provision charged to operations										-1,000
Loans charge-offs									-1,000	-1,000
Recoveries of loans charged-off										2,000
Balance at the end of period	2,000				3,000				2,000	3,000
Unallocated Loans [Member]
Activity in the allowance for loan losses
Balance at the beginning of period				9,000				41,000	9,000	41,000
Provision charged to operations									388,000	-36,000
Loans charge-offs									1,000
Recoveries of loans charged-off										4,000
Balance at the end of period	$398,000				$9,000				$398,000	$9,000

LOANS_AND_ALLOWANCE_FOR_LOAN_L5

LOANS AND ALLOWANCE FOR LOAN LOSSES (Schedule of Allowance for Loan Losses and Recorded Investment in Loans by Portfolio Segment and Based on Impairment Method) (Details) (USD $)	Dec. 31, 2014	Dec. 31, 2013
Allowance for loan losses Ending balance, Individually evaluated for impairment	$920,000	$372,000
Allowance for loan losses Ending balance, Collectively evaluated for impairment	8,682,000	9,543,000
Total Ending allowance balance	9,602,000	9,915,000
Loans Recorded investment Ending balance, Individually evaluated for impairment	15,665,000	22,650,000
Loans Recorded investment Ending balance, Collectively evaluated for impairment	461,655,000	411,359,000
Total Loans	477,320,000	434,009,000
Commercial [Member]
Allowance for loan losses Ending balance, Individually evaluated for impairment	223,000	300,000
Allowance for loan losses Ending balance, Collectively evaluated for impairment	3,481,000	3,073,000
Total Ending allowance balance	3,704,000	3,373,000
Loans Recorded investment Ending balance, Individually evaluated for impairment	6,042,000	7,261,000
Loans Recorded investment Ending balance, Collectively evaluated for impairment	69,810,000	66,629,000
Total Loans	75,852,000	73,890,000
Commercial real estate [Member]
Allowance for loan losses Ending balance, Individually evaluated for impairment	697,000	72,000
Allowance for loan losses Ending balance, Collectively evaluated for impairment	4,320,000	5,593,000
Total Ending allowance balance	5,017,000	5,665,000
Loans Recorded investment Ending balance, Individually evaluated for impairment	8,913,000	12,821,000
Loans Recorded investment Ending balance, Collectively evaluated for impairment	277,150,000	240,214,000
Total Loans	286,063,000	253,035,000
Commercial Construction [Member]
Allowance for loan losses Ending balance, Individually evaluated for impairment
Allowance for loan losses Ending balance, Collectively evaluated for impairment	150,000	117,000
Total Ending allowance balance	150,000	117,000
Loans Recorded investment Ending balance, Individually evaluated for impairment	288,000	1,196,000
Loans Recorded investment Ending balance, Collectively evaluated for impairment	3,927,000	2,249,000
Total Loans	4,215,000	3,445,000
Residential real estate [Member]
Allowance for loan losses Ending balance, Individually evaluated for impairment
Allowance for loan losses Ending balance, Collectively evaluated for impairment	142,000	460,000
Total Ending allowance balance	142,000	460,000
Loans Recorded investment Ending balance, Individually evaluated for impairment	96,000	755,000
Loans Recorded investment Ending balance, Collectively evaluated for impairment	77,740,000	76,785,000
Total Loans	77,836,000	77,540,000
Consumer [Member]
Allowance for loan losses Ending balance, Individually evaluated for impairment
Allowance for loan losses Ending balance, Collectively evaluated for impairment	189,000	288,000
Total Ending allowance balance	189,000	288,000
Loans Recorded investment Ending balance, Individually evaluated for impairment	326,000	617,000
Loans Recorded investment Ending balance, Collectively evaluated for impairment	27,932,000	25,375,000
Total Loans	28,258,000	25,992,000
SBA [Member]
Allowance for loan losses Ending balance, Individually evaluated for impairment
Allowance for loan losses Ending balance, Collectively evaluated for impairment
Total Ending allowance balance
Loans Recorded investment Ending balance, Individually evaluated for impairment
Loans Recorded investment Ending balance, Collectively evaluated for impairment	5,000,000
Total Loans	5,000,000
Other Loans [Member]
Allowance for loan losses Ending balance, Individually evaluated for impairment
Allowance for loan losses Ending balance, Collectively evaluated for impairment	2,000	3,000
Total Ending allowance balance	2,000	3,000
Loans Recorded investment Ending balance, Individually evaluated for impairment
Loans Recorded investment Ending balance, Collectively evaluated for impairment	96,000	107,000
Total Loans	96,000	107,000
Unallocated Loans [Member]
Allowance for loan losses Ending balance, Individually evaluated for impairment
Allowance for loan losses Ending balance, Collectively evaluated for impairment	398,000	9,000
Total Ending allowance balance	398,000	9,000
Loans Recorded investment Ending balance, Individually evaluated for impairment
Loans Recorded investment Ending balance, Collectively evaluated for impairment
Total Loans

LOANS_AND_ALLOWANCE_FOR_LOAN_L6

LOANS AND ALLOWANCE FOR LOAN LOSSES (Schedule of Recorded Investment in Nonaccrual Loans) (Details) (USD $)	Dec. 31, 2014	Dec. 31, 2013
Total nonperfoming loans	$3,628,000	$10,219,000
Commercial loan secured by real estate [Member]
Total nonperfoming loans	1,923,000	2,182,000
Commercial loan - Other [Member]
Total nonperfoming loans		73,000
Commercial real estate [Member]
Total nonperfoming loans	1,284,000	6,592,000
Residential real estate [Member]
Total nonperfoming loans	96,000	755,000
Consumer loan secured by real estate [Member]
Total nonperfoming loans	$325,000	$617,000

LOANS_AND_ALLOWANCE_FOR_LOAN_L7

LOANS AND ALLOWANCE FOR LOAN LOSSES (Schedule of Recorded Investments in Impaired Loans) (Details) (USD $)	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013
Related Allowance	$920,000	$372,000
Unpaid Principal Balance	18,603,000	27,189,000
Recorded Investment	15,665,000	22,650,000
Average Recorded Investment	19,341,000	26,023,000
Interest Income Recognized	747,000	580,000
Commercial loan secured by real estate [Member]
Unpaid Principal Balance With no related allowance recorded	5,997,000	7,204,000
Recorded Investment With no related allowance recorded	4,838,000	5,756,000
Average Recorded Investment	5,443,000	6,286,000
Interest income recognized for the year	225,000	239,000
Unpaid Principal Balance With an allowance recorded	458,000	686,000
Recorded Investment With an allowance recorded	436,000	559,000
Related Allowance	213,000	269,000
Average Recorded Investment	437,000	900,000
Interest income recognized for the year	16,000	28,000
Commercial loan - Other [Member]
Unpaid Principal Balance With no related allowance recorded	66,000	80,000
Recorded Investment With no related allowance recorded	58,000	73,000
Average Recorded Investment	65,000	98,000
Interest income recognized for the year	3,000	1,000
Unpaid Principal Balance With an allowance recorded	713,000	877,000
Recorded Investment With an allowance recorded	710,000	873,000
Related Allowance	10,000	31,000
Average Recorded Investment	750,000	1,067,000
Interest income recognized for the year	44,000	52,000
Commercial real estate [Member]
Unpaid Principal Balance With no related allowance recorded	4,609,000	12,920,000
Recorded Investment With no related allowance recorded	3,279,000	10,474,000
Average Recorded Investment	6,755,000	9,952,000
Interest income recognized for the year	155,000	118,000
Unpaid Principal Balance With an allowance recorded	5,643,000	2,356,000
Recorded Investment With an allowance recorded	5,634,000	2,347,000
Related Allowance	697,000	72,000
Average Recorded Investment	3,922,000	3,174,000
Interest income recognized for the year	233,000	47,000
Commercial Construction [Member]
Unpaid Principal Balance With no related allowance recorded	652,000	567,000
Recorded Investment With no related allowance recorded	288,000	528,000
Average Recorded Investment	517,000	2,753,000
Interest income recognized for the year	71,000	52,000
Unpaid Principal Balance With an allowance recorded		1,043,000
Recorded Investment With an allowance recorded		668,000
Related Allowance
Average Recorded Investment	420,000	430,000
Interest income recognized for the year		43,000
Residential real estate [Member]
Unpaid Principal Balance With no related allowance recorded	132,000	826,000
Recorded Investment With no related allowance recorded	96,000	755,000
Average Recorded Investment	526,000	529,000
Interest income recognized for the year
Unpaid Principal Balance With an allowance recorded
Recorded Investment With an allowance recorded
Related Allowance
Average Recorded Investment		36,000
Interest income recognized for the year
Consumer loan secured by real estate [Member]
Unpaid Principal Balance With no related allowance recorded	333,000	630,000
Recorded Investment With no related allowance recorded	326,000	617,000
Average Recorded Investment	506,000	730,000
Interest income recognized for the year
Unpaid Principal Balance With an allowance recorded
Recorded Investment With an allowance recorded
Related Allowance
Average Recorded Investment		68,000
Interest income recognized for the year

LOANS_AND_ALLOWANCE_FOR_LOAN_L8

LOANS AND ALLOWANCE FOR LOAN LOSSES (Schedule of Aging of the Recorded Investment in Past Due Loans by Class of Loans) (Details) (USD $)	Dec. 31, 2014	Dec. 31, 2013
30 to 59 Days	$771,000	$1,909,000
60 to 89 Days	330,000	3,000
Greater Than 90 Days	2,593,000	6,601,000
Total	3,694,000	8,513,000
Not past due	473,626,000	425,496,000
Total Loans	477,320,000	434,009,000
Commercial loan secured by real estate [Member]
30 to 59 Days	546,000	866,000
60 to 89 Days
Greater Than 90 Days	1,508,000	499,000
Total	2,054,000	1,365,000
Not past due	44,491,000	44,797,000
Total Loans	46,545,000	46,162,000
Commercial loan - Other [Member]
30 to 59 Days	225,000
60 to 89 Days
Greater Than 90 Days
Total	225,000
Not past due	29,082,000	27,728,000
Total Loans	29,307,000	27,728,000
Commercial real estate [Member]
30 to 59 Days		1,043,000
60 to 89 Days	330,000
Greater Than 90 Days	836,000	5,100,000
Total	1,166,000	6,143,000
Not past due	284,897,000	246,892,000
Total Loans	286,063,000	253,035,000
Commercial Construction [Member]
30 to 59 Days
60 to 89 Days
Greater Than 90 Days
Total
Not past due	4,215,000	3,445,000
Total Loans	4,215,000	3,445,000
Residential real estate [Member]
30 to 59 Days
60 to 89 Days
Greater Than 90 Days		523,000
Total		523,000
Not past due	77,836,000	77,017,000
Total Loans	77,836,000	77,540,000
Consumer loan secured by real estate [Member]
30 to 59 Days
60 to 89 Days
Greater Than 90 Days	249,000	479,000
Total	249,000	479,000
Not past due	27,070,000	24,979,000
Total Loans	27,319,000	25,458,000
Consumer loan - Other [Member]
30 to 59 Days
60 to 89 Days		3,000
Greater Than 90 Days
Total		3,000
Not past due	939,000	531,000
Total Loans	939,000	534,000
SBA [Member]
30 to 59 Days
60 to 89 Days
Greater Than 90 Days
Total
Not past due	5,000,000
Total Loans	5,000,000
Other Loans [Member]
30 to 59 Days
60 to 89 Days
Greater Than 90 Days
Total
Not past due	96,000	107,000
Total Loans	$96,000	$107,000

LOANS_AND_ALLOWANCE_FOR_LOAN_L9

LOANS AND ALLOWANCE FOR LOAN LOSSES (Schedule of Troubled Debt Restructurings) (Details) (USD $)	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013
	N	N
Number of loans restructured	3	4
TDRs arising during period Pre-Modification Recorded Investment	$363,000	$6,378,000
TDRs arising during period Post-Modification Recorded Investment	363,000	6,378,000
Commercial loan secured by real estate [Member]
Number of loans restructured	2
TDRs arising during period Pre-Modification Recorded Investment	252,000
TDRs arising during period Post-Modification Recorded Investment	252,000
Commercial loan - Other [Member]
Number of loans restructured		1
TDRs arising during period Pre-Modification Recorded Investment		17,000
TDRs arising during period Post-Modification Recorded Investment		17,000
Commercial real estate [Member]
Number of loans restructured	1	3
TDRs arising during period Pre-Modification Recorded Investment	111,000	6,361,000
TDRs arising during period Post-Modification Recorded Investment	$111,000	$6,361,000

Recovered_Sheet1

LOANS AND ALLOWANCE FOR LOAN LOSSES (Schedule of Loans by Credit Quality Indicators) (Details) (USD $)	Dec. 31, 2014	Dec. 31, 2013
Total Loans	$477,320,000	$434,009,000
Pass [Member]
Total Loans	346,491,000	308,370,000
Special Mention [Member]
Total Loans	11,174,000	13,319,000
Substandard [Member]
Total Loans	8,465,000	8,681,000
Doubtful [Member]
Total Loans
Loss [Member]
Total Loans
Commercial loan secured by real estate [Member]
Total Loans	46,545,000	46,162,000
Commercial loan secured by real estate [Member] | Pass [Member]
Total Loans	41,091,000	39,114,000
Commercial loan secured by real estate [Member] | Special Mention [Member]
Total Loans	3,531,000	3,387,000
Commercial loan secured by real estate [Member] | Substandard [Member]
Total Loans	1,923,000	3,661,000
Commercial loan secured by real estate [Member] | Doubtful [Member]
Total Loans
Commercial loan secured by real estate [Member] | Loss [Member]
Total Loans
Commercial loan - Other [Member]
Total Loans	29,307,000	27,728,000
Commercial loan - Other [Member] | Pass [Member]
Total Loans	27,903,000	25,604,000
Commercial loan - Other [Member] | Special Mention [Member]
Total Loans	616,000	1,325,000
Commercial loan - Other [Member] | Substandard [Member]
Total Loans	788,000	799,000
Commercial loan - Other [Member] | Doubtful [Member]
Total Loans
Commercial loan - Other [Member] | Loss [Member]
Total Loans
Commercial real estate [Member]
Total Loans	286,063,000	253,035,000
Commercial real estate [Member] | Pass [Member]
Total Loans	274,788,000	241,488,000
Commercial real estate [Member] | Special Mention [Member]
Total Loans	5,521,000	7,326,000
Commercial real estate [Member] | Substandard [Member]
Total Loans	5,754,000	4,221,000
Commercial real estate [Member] | Doubtful [Member]
Total Loans
Commercial real estate [Member] | Loss [Member]
Total Loans
Commercial Construction [Member]
Total Loans	4,215,000	3,445,000
Commercial Construction [Member] | Pass [Member]
Total Loans	2,709,000	2,164,000
Commercial Construction [Member] | Special Mention [Member]
Total Loans	1,506,000	1,281,000
Commercial Construction [Member] | Substandard [Member]
Total Loans
Commercial Construction [Member] | Doubtful [Member]
Total Loans
Commercial Construction [Member] | Loss [Member]
Total Loans
Total [Member]
Total Loans	$366,130,000	$330,370,000

Recovered_Sheet2

LOANS AND ALLOWANCE FOR LOAN LOSSES (Schedule of Recorded Investment in Residential Real Estate and Consumer Loans Based on Payment Activity) (Details) (USD $)	Dec. 31, 2014	Dec. 31, 2013
Total Loans	$477,320,000	$434,009,000
Residential real estate [Member]
Total Loans	77,836,000	77,540,000
Residential real estate [Member] | Current [Member]
Total Loans	77,740,000	76,785,000
Residential real estate [Member] | Past Due and Nonaccrual [Member]
Total Loans	96,000	755,000
Consumer loan secured by real estate [Member]
Total Loans	27,319,000	25,458,000
Consumer loan secured by real estate [Member] | Current [Member]
Total Loans	25,867,000	23,584,000
Consumer loan secured by real estate [Member] | Past Due and Nonaccrual [Member]
Total Loans	1,452,000	1,874,000
Consumer loan - Other [Member]
Total Loans	939,000	534,000
Consumer loan - Other [Member] | Current [Member]
Total Loans	930,000	527,000
Consumer loan - Other [Member] | Past Due and Nonaccrual [Member]
Total Loans	9,000	7,000
Total Residential Real Estate and Consumer [Member]
Total Loans	106,094,000	103,532,000
Total Residential Real Estate and Consumer [Member] | Current [Member]
Total Loans	104,537,000	100,896,000
Total Residential Real Estate and Consumer [Member] | Past Due and Nonaccrual [Member]
Total Loans	$1,557,000	$2,636,000

PREMISES_AND_EQUIPMENT_NET_Nar

PREMISES AND EQUIPMENT, NET (Narrative) (Details) (USD $)	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013
PREMISES AND EQUIPMENT, NET [Abstract]
Depreciation and amortization expense	$420,000	$428,000

PREMISES_AND_EQUIPMENT_NET_Sch

PREMISES AND EQUIPMENT, NET (Schedule of Premises and Equipment) (Details) (USD $)	Dec. 31, 2014	Dec. 31, 2013
Premise and equipment, Gross	$11,948,000	$10,721,000
Accumulated depreciations and amortization	5,371,000	4,982,000
Premises and equipment, net	6,577,000	5,739,000
Land [Member]
Premise and equipment, Gross	3,219,000	2,999,000
Buildings and improvements [Member]
Premise and equipment, Gross	4,082,000	3,281,000
Leasehold improvements [Member]
Premise and equipment, Gross	2,246,000	2,246,000
Furniture, fixtures and equipment [Member]
Premise and equipment, Gross	$2,401,000	$2,195,000

OTHER_REAL_ESTATE_OWNED_Narrat

OTHER REAL ESTATE OWNED (Narrative) (Details) (USD $)	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013
OTHER REAL ESTATE OWNED [Abstract]
Net gain on sale of other real estate owned	$63,000	$326,000

OTHER_REAL_ESTATE_OWNED_Schedu

OTHER REAL ESTATE OWNED (Schedule of Other Real Estate Owned) (Details) (USD $)	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
OTHER REAL ESTATE OWNED [Abstract]
Acquired by foreclosure or deed in lieu of foreclosure	$1,375,000	$480,000
Allowance for losses on other real estate owned	-67,000	-29,000
Other real estate owned, net	$1,308,000	$451,000

OTHER_REAL_ESTATE_OWNED_Schedu1

OTHER REAL ESTATE OWNED (Schedule of Activity in Allowance for Losses on Other Real Estate Owned) (Details) (USD $)	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013
Allowance for Loan Losses - Other Real Estate Owned
Beginning of year	$29,000
Additions charged to expense	235,000	29,000
Reductions from sales of other real estate owned	-197,000
End of year	$67,000	$29,000

OTHER_REAL_ESTATE_OWNED_Schedu2

OTHER REAL ESTATE OWNED (Schedule of Expenses Realted to Other Real Estate Owned) (Details) (USD $)	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013
OTHER REAL ESTATE OWNED [Abstract]
Provision for unrealized losses	$235,000	$29,000
Operating expenses, net of rental income	195,000	114,000
End of year	$430,000	$143,000

DEPOSITS_Narrative_Details

DEPOSITS (Narrative) (Details) (USD $)	Dec. 31, 2014	Dec. 31, 2013
DEPOSITS [Abstract]
Certificates of deposit with balances of $100,000 or more	$75,859,000	$83,609,000

DEPOSITS_Schedule_of_Deposit_L

DEPOSITS (Schedule of Deposit Liabilities) (Details) (USD $)	Dec. 31, 2014	Dec. 31, 2013
DEPOSITS [Abstract]
Noninterest-bearing	$136,721,000	$133,565,000
Interest-bearing checking accounts	168,319,000	179,892,000
Money market accounts	41,906,000	47,366,000
Total interest-bearing demand	210,225,000	227,258,000
Statement savings and clubs	71,202,000	71,103,000
Business savings	5,220,000	9,177,000
Total savings	76,422,000	80,280,000
IRA investments and variable rate savings	28,765,000	32,160,000
Brokered certificates	10,496,000
Money market certificates	93,847,000	104,328,000
Total certificates of deposit	133,108,000	136,488,000
Total interest-bearing deposits	419,755,000	444,026,000
Total deposits	$556,476,000	$577,591,000

DEPOSITS_Schedule_of_Maturitie

DEPOSITS (Schedule of Maturities of Time Deposits) (Details) (USD $)	Dec. 31, 2014	Dec. 31, 2013
DEPOSITS [Abstract]
2015	$56,846,000
2016	42,376,000
2017	14,753,000
2018	5,196,000
2019	13,937,000
Total certificates of deposit	$133,108,000	$136,488,000

BORROWINGS_Narrative_Details

BORROWINGS (Narrative) (Details) (USD $)	0 Months Ended	12 Months Ended
	Sep. 25, 2012	Dec. 31, 2014	Dec. 31, 2013
Maximum FHLB advances outstanding at any month end		$66,700,000	$40,100,000
Average Balance of FHLB advances outstanding		32,500,000	26,700,000
FHLB advances which have reached their first call date		10,000,000
Additional borrowing capacity from FHLB		84,700,000	68,300,000
Borrowing capacity at the Federal Reserve Bank discount window		5,100,000	5,700,000
Overnight variable pricing lines with other correspondent banks		35,000,000	21,000,000
Wholesale repurchase agreement, description	The borrowing had a current floating rate at 9.00% minus 3-month LIBOR measured on a quarterly basis with a 5.15% cap and a 0.00% floor.
Assets pledged as collateral for securities sold under agreements to repurchase			8,282,000
Overnight Borrowings with Fhlb		6,700,000	0
First Mortgage Loans [Member]
Assets pledged as security for FHLB advances		63,200,000	63,200,000
Investment Securities [Member]
Assets pledged as security for FHLB advances		$21,500,000	$5,100,000

BORROWINGS_Schedule_of_Maturit

BORROWINGS (Schedule of Maturities of FHLB Advances) (Details) (USD $)	Dec. 31, 2014	Dec. 31, 2013
Maturities of Federal Home Loan Bank Advances
Within one year	$26,700,000
After one year, but within two years	10,000,000
After two years, but within three years	15,000,000	10,000,000
After three years, but within four years	15,000,000	5,000,000
After four years, but within five years		10,000,000
Advances from Federal Home Loan Banks	$66,700,000	$25,000,000
Average Interest Rate
Within one year	2.10%
After one year, but within two years	1.64%
After two years, but within three years	3.74%	1.64%
After three years, but within four years	3.35%	1.16%
After four years, but within five years		1.85%
Advances Federal Home Loan Bank Maturities Average Interest Rate	2.68%	1.63%

BORROWINGS_Schedule_of_Securit

BORROWINGS (Schedule of Securities Sold under Agreements to Repurchase) (Details) (USD $)	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013
Securities sold under agreements to repurchase
Securities sold under agreement to repurchase		$7,300,000
Weighted average rate at year end	0.00%	4.95%
Maximum amount outstanding at any month end during the year	7,601,000	8,044,000
Average amount outstanding during the year	$5,255,000	$7,501,000
Average interest rate during the year	4.83%	4.89%

SUBORDINATED_DEBENTURES_Detail

SUBORDINATED DEBENTURES (Details) (USD $)	0 Months Ended
	Mar. 17, 2003	Dec. 31, 2014	Dec. 31, 2013	Sep. 17, 2008
SUBORDINATED DEBENTURES [Abstract]
Securities issued by the trust	$7,000,000
Sale of Fixed/Floating Rate Junior Subordinated Deferrable Interest Debentures from the company to the trust	$7,217,000
Interest rate of Securities and Debentures				6.75%
Interest Rate of Debentures		3.19%	3.19%
Interest rate of securities		3.19%	3.19%

REGULATORY_CAPITAL_REQUIREMENT2

REGULATORY CAPITAL REQUIREMENTS (Schedule of Regulatory Capital Requirements) (Details) (USD $)	Dec. 31, 2014	Dec. 31, 2013
Consolidated [Member]
Tier 1 Leverage Capital (to average assets)
Tier 1 Capital	$64,399,000	$61,461,000
Tier 1 Capital (to average assets) ratio	9.45%	9.04%
Minimum amount of Tier 1 Capital for adequacy purposes	27,265,000	27,200,000
Minimum amount of Tier 1 Capital for adequacy purposes, ratio	4.00%	4.00%
Minimum Tier 1 Capital required to be well-capitalized
Minimum Tier 1 Capital required to be well-capitalized, ratio
Tier 1 Capital (to risk-weighted assets)
Tier 1 Capital	64,399,000	61,461,000
Tier 1 Capital (to risk-weighted assets) ratio	13.04%	13.52%
Minimum amount of Tier 1 Capital for adequacy purposes	19,751,000	18,184,000
Minimum amount of Tier 1 Capital for adequacy purposes, ratio	4.00%	4.00%
Minimum Tier 1 Capital required to be well-capitalized
Minimum Tier 1 Capital required to be well-capitalized, ratio
Total Capital	70,614,000	67,196,000
Total Capital
Total Capital (to risk-weighted assets) ratio	14.30%	14.78%
Minimum amount of capital for adequacy purposes	39,502,000	36,368,000
Minimum amount of capital for adequacy purposes, ratio	8.00%	8.00%
Minimum Capital required to be well-capitalized
Minimum Capital required to be well-capitalized, ratio
Bank [Member]
Tier 1 Leverage Capital (to average assets)
Tier 1 Capital	62,622,000	59,976,000
Tier 1 Capital (to average assets) ratio	9.20%	8.84%
Minimum amount of Tier 1 Capital for adequacy purposes	27,214,000	27,135,000
Minimum amount of Tier 1 Capital for adequacy purposes, ratio	4.00%	4.00%
Minimum Tier 1 Capital required to be well-capitalized	34,018,000	33,919,000
Minimum Tier 1 Capital required to be well-capitalized, ratio	5.00%	5.00%
Tier 1 Capital (to risk-weighted assets)
Tier 1 Capital	62,622,000	59,976,000
Tier 1 Capital (to risk-weighted assets) ratio	12.69%	13.21%
Minimum amount of Tier 1 Capital for adequacy purposes	19,740,000	18,156,000
Minimum amount of Tier 1 Capital for adequacy purposes, ratio	4.00%	4.00%
Minimum Tier 1 Capital required to be well-capitalized	29,609,000	27,233,000
Minimum Tier 1 Capital required to be well-capitalized, ratio	6.00%	6.00%
Total Capital	68,833,000	65,702,000
Total Capital
Total Capital (to risk-weighted assets) ratio	13.95%	14.48%
Minimum amount of capital for adequacy purposes	39,479,000	36,311,000
Minimum amount of capital for adequacy purposes, ratio	8.00%	8.00%
Minimum Capital required to be well-capitalized	$49,349,000	$45,389,000
Minimum Capital required to be well-capitalized, ratio	10.00%	10.00%

PREFERRED_STOCK_Details

PREFERRED STOCK (Details) (USD $)	0 Months Ended	12 Months Ended
	Sep. 01, 2011	Dec. 31, 2014
		N
Amount of fund established to encourage lending to small businesses by providing capital to qualified community banks with assets of less than $10 billion		$30,000,000,000
Dividend rate, fixed after four and one half years		9.00%
Tier I capital on date of entering the SBLF program (percentage)		90.00%
Minimum [Member]
Dividend rate, first ten quarters		1.00%
Maximum [Member]
Dividend rate, first ten quarters		5.00%
Senior Non-Cumulative Perpetual Preferred Stock, Series B [Member]
Stock issued during period (in shares)	15,000
Stock issued during period, value	15,000,000
Preferred stock dividend rate, Terms		The dividend rate was subject to fluctuation on a quarterly basis during the first ten quarters during which the Series B Preferred Shares were outstanding, based upon changes in the level of Qualified Small Business Lending (“QSBL” as defined in the Securities Purchase Agreement) from 1% to 5% per annum and, since then, for the eleventh dividend period through that portion of the nineteenth dividend period prior to the four and one-half year anniversary of the Series B Preferred Issue Date (i.e., through February 29, 2016) the dividend rate became fixed at 4.56%.
Dividend payment restrictions, Description		Such dividends are not cumulative but the Corporation may only declare and pay dividends on its Common Stock (or any other equity securities junior to the Series B Preferred Shares) if it has declared and paid dividends on the Series B Preferred Shares for the current dividend period and if, after payment of such dividend, the dollar amount of the Corporation's Tier 1 capital would be at least 90% of the Tier 1 capital on the date of entering into the SBLF program, excluding any subsequent net charge-offs and any redemption of the Series B Preferred Shares (the “Tier 1 Dividend Threshold”).  The Tier 1 Dividend Threshold is subject to reduction, beginning on the second anniversary of the issuance and ending on the tenth anniversary of the issuance, by 10% for each 1% increase in QSBL over the baseline level.
Aggregate liquidation preference outstanding		$25,000,000
Number of dividend defaults periods required for having voting rights on preferred stock		6
Number of additional directors which may be elected in BOD event of non-timely preferred dividends		2

BENEFIT_PLANS_Details

BENEFIT PLANS (Details) (USD $)	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013
BENEFIT PLANS [Abstract]
Total profit sharing expense	$170,000	$100,000
401(k) plan employer contributions	$141,000	$155,000
Shares purchased under the employee stock purchase plan	6,560	8,439
Shares reserved for issuance under the Employee Stock Purchase Plan	171,074

STOCKBASED_COMPENSATION_Detail

STOCK-BASED COMPENSATION (Details) (USD $)	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013
Restricted shares [Member]
Awards granted	49,661	0
Award vesting period	3 years
Stock-based compensation expense for stock grant	$69,000
Director Stock Plan [Member]
Shares purchased for plan	5,060	7,162
Awards authorized but unissued	528,094
2010 Stock Incentive Plan [Member]
Awards authorized but unissued	142,694

EARNINGS_PER_COMMON_SHARE_Narr

EARNINGS PER COMMON SHARE (Narrative) (Details) (Stock options [Member])	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013
Stock options [Member]
Antidilutive securities excluded from computation of diluted EPS (in shares)	0	3,627

EARNINGS_PER_COMMON_SHARE_Sche

EARNINGS PER COMMON SHARE (Schedule of Earnings Per Common Share) (Details) (USD $)	3 Months Ended								12 Months Ended
	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2013	Sep. 30, 2013	Jun. 30, 2013	Mar. 31, 2013	Dec. 31, 2014	Dec. 31, 2013
EARNINGS PER COMMON SHARE [Abstract]
Net Income	$1,301,000	$552,000	$726,000	$506,000	$665,000	$522,000	$461,000	$822,000	$3,085,000	$2,470,000
Dividends on preferred stock and accretion									683,000	633,000
Net income available to common stockholders	$1,130,000	$382,000	$555,000	$335,000	$495,000	$352,000	$334,000	$656,000	$2,402,000	$1,837,000
Weighted-average common shares outstanding - basic (in shares)									6,003,814	5,937,058
Effect of dilutive securities - stock options (in shares)
Weighted average common shares outstanding - diluted (in shares)									6,003,814	5,937,058
Basic earnings per common share (in dollars per share)									$0.40	$0.31
Diluted earnings per common share (in dollars per share)									$0.40	$0.31

INCOME_TAXES_Narrative_Details

INCOME TAXES (Narrative) (Details) (USD $)	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013
INCOME TAXES [Abstract]
Statutory federal income tax rate	34.00%
Carryback taxes paid that could be utilized against the deferred tax asset	$359,000
Deferred Tax Assets Operating Loss carryforwards	5,600,000
AMT credit carryforwards	425,000	434,000
Unrecognized tax benefits	0	0
Tax, interest and penalties	0	0
Accrued tax interest and penalties	$0	$0

INCOME_TAXES_Schedule_of_Compo

INCOME TAXES (Schedule of Components of Income Tax Benefit) (Details) (USD $)	3 Months Ended								12 Months Ended
	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2013	Sep. 30, 2013	Jun. 30, 2013	Mar. 31, 2013	Dec. 31, 2014	Dec. 31, 2013
Current tax expense (benefit):
Federal									$634,000	$221,000
State									159,000	49,000
Current income tax (benefit) expense									793,000	270,000
Deferred tax expense (benefit):
Federal									392,000	180,000
State									273,000	167,000
Valuation allowance									-39,000	23,000
Deferred tax (benefit) expense									626,000	370,000
Income Tax Expense	$712,000	$251,000	$351,000	$105,000	$152,000	$271,000	$231,000	($14,000)	$1,419,000	$640,000

INCOME_TAXES_Schedule_of_Effec

INCOME TAXES (Schedule of Effective Income Tax Rate Reconciliation) (Details) (USD $)	3 Months Ended								12 Months Ended
	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2013	Sep. 30, 2013	Jun. 30, 2013	Mar. 31, 2013	Dec. 31, 2014	Dec. 31, 2013
INCOME TAXES [Abstract]
Federal income tax									$1,531,000	$1,057,000
Add (deduct) effect of:
State income taxes, net of federal income tax effect									246,000	146,000
Nontaxable interest income									-255,000	-376,000
Bank owned life insurance									-141,000	-305,000
Nondeductible expenses									10,000	15,000
Write-off of Federal deferred tax assets										90,000
Change in valuation reserve										19,000
Other items, net									28,000	-6,000
Income Tax Expense	$712,000	$251,000	$351,000	$105,000	$152,000	$271,000	$231,000	($14,000)	$1,419,000	$640,000

INCOME_TAXES_Schedule_of_Defer

INCOME TAXES (Schedule of Deferred Tax Assets and Liabilities) (Details) (USD $)	Dec. 31, 2014	Dec. 31, 2013
Deferred tax assets:
Allowance for loan losses	$3,835,000	$3,960,000
Accrued compensation	159,000	120,000
Nonaccrual loan interest	453,000	915,000
Depreciation	382,000	434,000
Contribution carry forward	146,000	178,000
Restricted stock	28,000
OREO reserve	27,000
Accrued contributions	21,000
State capital loss carry forward	23,000	122,000
Unrealized loss on fair value of interest rate swap	125,000	223,000
Unrealized loss on securities available-for-sale	477,000	2,176,000
Alternate minimum tax	425,000	434,000
Deferred Tax Assets, Gross	6,101,000	8,562,000
Valuation reserve	-163,000	-202,000
Deferred Tax Assets, Net	5,938,000	8,360,000
Deferred tax liabilities:
Other	4,000	4,000
Deferred Tax Liabilities	4,000	4,000
Net deferred tax assets	$5,934,000	$8,356,000

COMMITMENTS_AND_CONTINGENCIES_1

COMMITMENTS AND CONTINGENCIES (Narrative) (Details) (USD $)	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013
Commitments
Rental Expense	1,106,000	1,210,000
Rental Income	46,000	46,000
Residential real estate [Member]
Commitment to extend credit at fixed rates	2,700,000
Fixed interest rate agreed to	3.78%
Commercial, construction and home equity loan commitments [Member]
Commitment to extend credit at fixed rates	1,900,000
Fixed interest rate agreed to	3.16%
Commitment to extend credit at variable rates	15,800,000
Variable interest rate committed to	4.46%
Unused lines of Credit [Member]
Commitments	58,600,000
Unused lines of Credit [Member] | Home Equity Line of Credit [Member]
Commitments	16,700,000
Unused lines of Credit [Member] | Cash Overdraft [Member]
Commitments	4,400,000
Unused lines of Credit [Member] | Commercial and Construction [Member]
Commitments	37,500,000
Standby Letters of Credit [Member]
Commitments	$1,100,000

COMMITMENTS_AND_CONTINGENCIES_2

COMMITMENTS AND CONTINGENCIES (Schedule of Future Minimum Payments on Operating Leases) (Details) (USD $)	Dec. 31, 2014
Minimum annual lease payments operating lease agreements
2015	$693,000
2016	661,000
2017	648,000
2018	584,000
2019	513,000
Thereafter	1,760,000
Total	$4,859,000

INTEREST_RATE_SWAP_Narrative_D

INTEREST RATE SWAP (Narrative) (Details) (USD $)	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013
INTEREST RATE SWAP [Abstract]
Interest rate swap, designated as cash flow hedge notional amount	$7,000,000
Investment securities securing interest rate swap	989,000
Interest expense	271,000	268,000
Fair value of the interest rate swap	($314,000)	($559,000)

INTEREST_RATE_SWAP_Schedule_of

INTEREST RATE SWAP (Schedule of Derivative Summary Information) (Details) (USD $)	12 Months Ended
	Dec. 31, 2014
INTEREST RATE SWAP [Abstract]
Interest rate swap, designated as cash flow hedge notional amount	$7,000,000
Interest rate swap, designated as cash flow hedge pay rate	7.00%
Interest rate swap, designated as cash flow hedge maturity	17-Mar-16
Interest rate swap, designated as cash flow hedge unrealized loss	($314,000)
3 month LIBOR [Member]
Derivative [LineItems]
Variable rate basis	3 month LIBOR
Interest rate swap, designated as cash flow hedge receive rate	2.95%

INTEREST_RATE_SWAP_Schedule_of1

INTEREST RATE SWAP (Schedule of Derivatives Recorded in Accumulated Comprehensive Income) (Details) (USD $)	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013
INTEREST RATE SWAP [Abstract]
Amount of gain (loss) recognized in OCI (Effective Portion)	$147,000	$152,000
Amount of gain (loss) reclassified from OCI to interest income
Amount of gain (loss) recognized in other noninterest income (Ineffective Portion)

FAIR_VALUE_OF_FINANCIAL_INSTRU2

FAIR VALUE OF FINANCIAL INSTRUMENTS (Narrative) (Details) (USD $)	3 Months Ended								12 Months Ended
	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2013	Sep. 30, 2013	Jun. 30, 2013	Mar. 31, 2013	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Allowance for loan losses	$9,602,000				$9,915,000				$9,602,000	$9,915,000
Allowance for losses on other real estate owned	67,000				29,000				67,000	29,000
Provision for loan losses	-300,000	250,000			425,000	900,000	850,000	1,600,000	-50,000	3,775,000
Provision for unrealized losses									235,000	29,000
Discount to real estate appraised values									12.00%
Fair Value, Measurements, Nonrecurring [Member] | Impaired Loans [Member]
Recorded Investment With an allowance recorded	1,690,000				17,180,000				1,690,000	17,180,000
Allowance for loan losses	88,000				268,000				88,000	268,000
Provision for loan losses									155,000	3,975,000
Fair Value, Measurements, Nonrecurring [Member] | Other Real Estate Owned [Member]
Recorded Investment With an allowance recorded	1,375,000				480,000				1,375,000	480,000
Allowance for losses on other real estate owned	67,000				29,000				67,000	29,000
Provision for unrealized losses									$235,000	$29,000

FAIR_VALUE_OF_FINANCIAL_INSTRU3

FAIR VALUE OF FINANCIAL INSTRUMENTS (Schedule of Assets and Liabilities Measured at Fair Value on Recurring Basis) (Details) (USD $)	Dec. 31, 2014	Dec. 31, 2013
Assets, Fair Value
Total available for sale securities	$124,918,000	$168,411,000
Liabilities, Fair Value
Interest rate swap	314,000	559,000
Fair Value Measured on a Recurring Basis [Member] | Carrying Value [Member]
Assets, Fair Value
U.S. government-sponsored agencies	30,274,000	38,692,000
Obligations of state and political subdivisions	1,400,000	1,358,000
Mortgage-backed securities - residential	76,743,000	112,235,000
Asset backed securities	9,915,000	9,836,000
Corporate bonds	2,997,000	2,885,000
Other equity investments	3,589,000	3,405,000
Total available for sale securities	124,918,000	168,411,000
Liabilities, Fair Value
Interest rate swap	314,000	559,000
Fair Value Measured on a Recurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Assets, Fair Value
U.S. government-sponsored agencies
Obligations of state and political subdivisions
Mortgage-backed securities - residential
Asset backed securities
Corporate bonds
Other equity investments	3,529,000	3,345,000
Total available for sale securities	3,529,000	3,345,000
Liabilities, Fair Value
Interest rate swap
Fair Value Measured on a Recurring Basis [Member] | Significant Other Observable Inputs (Level 2) [Member]
Assets, Fair Value
U.S. government-sponsored agencies	30,274,000	38,692,000
Obligations of state and political subdivisions	1,400,000	1,358,000
Mortgage-backed securities - residential	76,743,000	112,235,000
Asset backed securities	9,915,000	9,836,000
Corporate bonds	2,997,000	2,885,000
Other equity investments	60,000	60,000
Total available for sale securities	121,389,000	165,066,000
Liabilities, Fair Value
Interest rate swap	314,000	559,000
Fair Value Measured on a Recurring Basis [Member] | Significant Unobservable Inputs (Level 3) [Member]
Assets, Fair Value
U.S. government-sponsored agencies
Obligations of state and political subdivisions
Mortgage-backed securities - residential
Asset backed securities
Corporate bonds
Other equity investments
Total available for sale securities
Liabilities, Fair Value
Interest rate swap

FAIR_VALUE_OF_FINANCIAL_INSTRU4

FAIR VALUE OF FINANCIAL INSTRUMENTS (Schedule of Assets and Liabilities Measured at Fair Value on Non-recurring Basis) (Details) (Fair Value, Measurements, Nonrecurring [Member], USD $)	Dec. 31, 2014	Dec. 31, 2013
Carrying Value [Member]
Assets, Fair Value
Commercial loan secured by real estate	$1,348,000	$5,861,000
Commercial real estate	205,000	8,483,000
Commerical construction		1,196,000
Residential real estate		755,000
Consumer loan secured by real estate	49,000	617,000
Other real estate owned.	1,117,000	451,000
Impaired loans, Fair Value	2,719,000	17,363,000
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Assets, Fair Value
Commercial loan secured by real estate
Commercial real estate
Commerical construction
Residential real estate
Consumer loan secured by real estate
Other real estate owned.
Impaired loans, Fair Value
Significant Other Observable Inputs (Level 2) [Member]
Assets, Fair Value
Commercial loan secured by real estate
Commercial real estate
Commerical construction
Residential real estate
Consumer loan secured by real estate
Other real estate owned.
Impaired loans, Fair Value
Significant Unobservable Inputs (Level 3) [Member]
Assets, Fair Value
Commercial loan secured by real estate	1,348,000	5,861,000
Commercial real estate	205,000	8,483,000
Commerical construction		1,196,000
Residential real estate		755,000
Consumer loan secured by real estate	49,000	617,000
Other real estate owned.	1,117,000	451,000
Impaired loans, Fair Value	$2,719,000	$17,363,000

FAIR_VALUE_OF_FINANCIAL_INSTRU5

FAIR VALUE OF FINANCIAL INSTRUMENTS (Schedule of Fair Value Assumptions for Level 3 Asset Measurements) (Details) (Significant Unobservable Inputs (Level 3) [Member], Fair Value, Measurements, Nonrecurring [Member], USD $)	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013
Impaired Loans [Member]
Fair value of financial assets	$1,602,000	$16,912,000
Valuation Technique1	Comparable real estate sales and / or the income approach.	Comparable real estate sales and / or the income approach.
Unobservable Input	Adjustments for differences between comparable sales and income data available.	Adjustments for differences between comparable sales and income data available.
Unobservable Input2	Estimated selling costs.	Estimated selling costs.
Range of Unobservable inputs used in fair value & weighting factor2	7.00%	7.00%
Impaired Loans [Member] | Minimum [Member]
Range of Unobservable inputs used in fair value & weighting factor	5.00%	1.00%
Impaired Loans [Member] | Maximum [Member]
Range of Unobservable inputs used in fair value & weighting factor	25.00%	25.00%
Other Real Estate Owned [Member]
Fair value of financial assets	$1,117,000	$451,000
Valuation Technique1	Comparable real estate sales and / or the income approach.	Comparable real estate sales and / or the income approach.
Unobservable Input	Adjustments for differences between comparable sales and income data available.	Adjustments for differences between comparable sales and income data available.
Unobservable Input2	Estimated selling costs.	Estimated selling costs.
Range of Unobservable inputs used in fair value & weighting factor2	7.00%	7.00%
Other Real Estate Owned [Member] | Minimum [Member]
Range of Unobservable inputs used in fair value & weighting factor	0.00%	5.00%
Other Real Estate Owned [Member] | Maximum [Member]
Range of Unobservable inputs used in fair value & weighting factor	62.00%	8.00%

FAIR_VALUE_OF_FINANCIAL_INSTRU6

FAIR VALUE OF FINANCIAL INSTRUMENTS (Schedule of Fair Value Estimates for the Financial Instruments) (Details) (USD $)	Dec. 31, 2014	Dec. 31, 2013
Financial assets:
Securities available-for-sale	$124,918,000	$168,411,000
Securities held to maturity	56,233,000	27,221,000
FHLB-NY stock	3,777,000	2,133,000
Financial liabilities:
Subordinated debenture	7,217,000	7,217,000
Interest rate swap	314,000	559,000
Carrying Value [Member]
Financial assets:
Cash and cash equivalents	10,086,000	17,405,000
Securities available-for-sale	124,918,000	168,411,000
Securities held to maturity	55,097,000	25,964,000
FHLB-NY stock	3,777,000	2,133,000
Loans held for sale		2,800,000
Loans, net	467,699,000	424,262,000
Accrued interest receivable	1,994,000	2,066,000
Financial liabilities:
Deposits	556,476,000	577,591,000
FHLB-NY Advances	66,700,000	25,000,000
Securities sold under agreements to repurchase		7,300,000
Subordinated debenture	7,217,000	7,217,000
Accrued interest payable	308,000	401,000
Interest rate swap	314,000	559,000
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Financial assets:
Cash and cash equivalents	10,086,000	17,405,000
Securities available-for-sale	3,529,000	3,345,000
Securities held to maturity
FHLB-NY stock
Loans held for sale
Loans, net
Accrued interest receivable
Financial liabilities:
Deposits	424,117,000	441,790,000
FHLB-NY Advances
Securities sold under agreements to repurchase
Subordinated debenture
Accrued interest payable	1,000	1,000
Interest rate swap
Significant Other Observable Inputs (Level 2) [Member]
Financial assets:
Cash and cash equivalents
Securities available-for-sale	121,389,000	165,066,000
Securities held to maturity	56,233,000	27,221,000
FHLB-NY stock
Loans held for sale
Loans, net
Accrued interest receivable	646,000	735,000
Financial liabilities:
Deposits	132,513,000	136,268,000
FHLB-NY Advances	67,087,000	25,404,000
Securities sold under agreements to repurchase		7,525,000
Subordinated debenture
Accrued interest payable	288,000	380,000
Interest rate swap	314,000	559,000
Significant Unobservable Inputs (Level 3) [Member]
Financial assets:
Cash and cash equivalents
Securities available-for-sale
Securities held to maturity
FHLB-NY stock
Loans held for sale		2,800,000
Loans, net	478,451,000	434,126,000
Accrued interest receivable	1,348,000	1,331,000
Financial liabilities:
Deposits
FHLB-NY Advances
Securities sold under agreements to repurchase
Subordinated debenture	7,203,000	7,213,000
Accrued interest payable	19,000	20,000
Interest rate swap

PARENT_COMPANY_ONLY_Condensed_

PARENT COMPANY ONLY (Condensed Statements of Condition) (Details) (USD $)	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Cash and due from banks	$9,849,000	$17,024,000
Securities available-for-sale	124,918,000	168,411,000
Accrued interest receivable	1,994,000	2,066,000
Other assets	8,387,000	10,974,000
Total assets	693,551,000	673,508,000
Subordinated debentures	7,217,000	7,217,000
Total stockholders' equity	58,969,000	53,779,000	56,346,000
Total liabilities and Shareholders' equity	693,551,000	673,508,000
Parent Company [Member]
Cash and due from banks	253,000	231,000
Securities available-for-sale	989,000	951,000
Investment in subsidiary	64,388,000	59,662,000
Accrued interest receivable	2,000	2,000
Other assets	964,000	701,000
Total assets	66,596,000	61,547,000
Subordinated debentures	7,217,000	7,217,000
Other Liabilities	410,000	551,000
Total stockholders' equity	58,969,000	53,779,000
Total liabilities and Shareholders' equity	$66,596,000	$61,547,000

PARENT_COMPANY_ONLY_Condensed_1

PARENT COMPANY ONLY (Condensed Statements of Income) (Details) (USD $)	3 Months Ended								12 Months Ended
	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2013	Sep. 30, 2013	Jun. 30, 2013	Mar. 31, 2013	Dec. 31, 2014	Dec. 31, 2013
Interest expense	$767,000	$791,000	$810,000	$839,000	$911,000	$940,000	$958,000	$1,004,000	$3,207,000	$3,813,000
Income before income tax expense	2,013,000	803,000	1,077,000	611,000	817,000	793,000	692,000	808,000	4,504,000	3,110,000
Tax benefit	712,000	251,000	351,000	105,000	152,000	271,000	231,000	-14,000	1,419,000	640,000
Net income	1,301,000	552,000	726,000	506,000	665,000	522,000	461,000	822,000	3,085,000	2,470,000
Dividends on preferred stock and accretion	171,000	170,000	171,000	171,000	170,000	170,000	127,000	166,000	683,000	633,000
Net income available to common shareholders	1,130,000	382,000	555,000	335,000	495,000	352,000	334,000	656,000	2,402,000	1,837,000
Parent Company [Member]
Interest income - securities available-for-sale									15,000	15,000
Dividend income									1,610,000	1,475,000
Other Income									7,000	7,000
Total Income									1,632,000	1,497,000
Interest expense									504,000	504,000
Other expenses									306,000	321,000
Total expenses									810,000	825,000
Income before income tax expense									822,000	672,000
Tax benefit									-266,000	-272,000
Income (loss) before equity in undistributed earnings of subsidiary									1,088,000	944,000
Equity in undistributed earnings of subsidiary									1,997,000	1,526,000
Net income									3,085,000	2,470,000
Dividends on preferred stock and accretion									683,000	633,000
Net income available to common shareholders									$2,402,000	$1,837,000

PARENT_COMPANY_ONLY_Condensed_2

PARENT COMPANY ONLY (Condensed Statements of Cash Flows) (Details) (USD $)	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013
Cash flows from operating activities:
Net income	$3,085,000	$2,470,000
Adjustments to reconcile net income to net cash provided by operating activities:
Gains on calls of securities	-165,000	-153,000
Decrease in accrued interest receivable	72,000	306,000
Increase in other assets	300,000	2,047,000
Increase in other liabilities	1,808,000	704,000
Net cash provided by operating activities	9,389,000	14,162,000
Cash flows from investing activities:
Purchase of securities available for sale	-6,319,000	-48,539,000
Proceeds from calls on securities available-for-sale	11,155,000	18,823,000
Proceeds from calls on securities held to maturity	7,824,000	2,491,000
Net cash used in investing activities	-29,196,000	-4,280,000
Cash flows from financing activities:
Cash dividends paid on common stock	-300,000	-238,000
Cash dividends paid on preferred stock	-683,000	-633,000
Payment of discount on dividend reinvestment plan	-2,000	-2,000
Issuance of common stock	188,000	86,000
Net cash provided by (used in) financing activities	12,488,000	-13,493,000
Net increase (decrease) in cash and cash equivalents	-7,319,000	-3,611,000
Cash and cash equivalents - beginning	17,405,000	21,016,000
Cash and cash equivalents - ending	10,086,000	17,405,000
Parent Company [Member]
Cash flows from operating activities:
Net income	3,085,000	2,470,000
Adjustments to reconcile net income to net cash provided by operating activities:
Equity in undistributed earnings of subsidiary	-1,997,000	-1,526,000
Decrease in accrued interest receivable		3,000
Increase in other assets	-276,000	-231,000
Increase in other liabilities	7,000	39,000
Net cash provided by operating activities	819,000	755,000
Cash flows from investing activities:
Purchase of securities available for sale		-500,000
Proceeds from calls on securities available-for-sale		500,000
Net cash used in investing activities
Cash flows from financing activities:
Cash dividends paid on common stock	-300,000	-238,000
Cash dividends paid on preferred stock	-683,000	-633,000
Payment of discount on dividend reinvestment plan	-2,000	-2,000
Issuance of common stock	188,000	86,000
Net cash provided by (used in) financing activities	-797,000	-787,000
Net increase (decrease) in cash and cash equivalents	22,000	-32,000
Cash and cash equivalents - beginning	231,000	263,000
Cash and cash equivalents - ending	$253,000	$231,000

ACCUMULATED_OTHER_COMPREHENSIV2

ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) (Schedule of Components of Comprehensive Income (Loss) (Details) (USD $)	3 Months Ended								12 Months Ended
	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2013	Sep. 30, 2013	Jun. 30, 2013	Mar. 31, 2013	Dec. 31, 2014	Dec. 31, 2013
ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) [Abstract]
Net income, gross	$2,013,000	$803,000	$1,077,000	$611,000	$817,000	$793,000	$692,000	$808,000	$4,504,000	$3,110,000
Net income, tax effect	712,000	251,000	351,000	105,000	152,000	271,000	231,000	-14,000	1,419,000	640,000
Net income	1,301,000	552,000	726,000	506,000	665,000	522,000	461,000	822,000	3,085,000	2,470,000
Other comprehensive (loss) income:
Change in unrealized holding gains (losses) on securities available for sale, gross									5,162,000	-7,031,000
Change in unrealized holding gains (losses) on securities available for sale, tax effect									-2,000,000	2,725,000
Change in unrealized holding gains (losses) on securities available for sale, net									3,162,000	-4,306,000
Reclassification adjustment for gains in net income, gross									-165,000	-153,000
Reclassification adjustment for gains in net income, tax effect									66,000	57,000
Reclassification adjustment for gains in net income, net									-99,000	-96,000
Loss on securities reclassified from available-to-sale to held to maturity, gross									-742,000
Loss on securities reclassified from available-to-sale to held to maturity, tax effect									285,000
Loss on securities reclassified from available-to-sale to held to maturity, net									-457,000
Accretion of loss on securities reclassified to held to maturity, gross									130,000
Accretion of loss on securities reclassified to held to maturity, tax effect									-50,000
Accretion of loss on securities reclassified to held to maturity, net									80,000
Change in fair value of interest rate swap, gross									246,000	253,000
Change in fair value of interest rate swap, tax effect									-99,000	-101,000
Change in fair value of interest rate swap, net									147,000	152,000
Total other comprehensive income (loss), gross									4,631,000	-6,931,000
Total other comprehensive income (loss), tax effect									-1,798,000	2,681,000
Total other comprehensive income (loss)									2,833,000	-4,250,000
Total comprehensive income (loss), gross									9,135,000	-3,821,000
Total comprehensive income (loss), tax effect									-3,217,000	2,041,000
Total comprehensive income (loss)									$5,918,000	($1,780,000)

ACCUMULATED_OTHER_COMPREHENSIV3

ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) (Schedule of Components of Accumulated Other Comprehensive Income) (Details) (USD $)	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013
Unrealized gains and losses on available for sale (AFS) securities
Balance at the beginning	($3,790,000)	$460,000
Other comprehensive income (loss) before reclassifications	2,932,000	-4,154,000
Amounts reclassified from other comprehensive income	-99,000	-96,000
Other comprehensive income (loss), net	2,833,000	-4,250,000
Balance at the end	-957,000	-3,790,000
Unrealized Gains (Losses) on Available for Sale Securities [Member]
Unrealized gains and losses on available for sale (AFS) securities
Balance at the beginning	-3,455,000	947,000
Other comprehensive income (loss) before reclassifications	3,162,000	-4,306,000
Amounts reclassified from other comprehensive income	-99,000	-96,000
Other comprehensive income (loss), net	3,063,000	-4,402,000
Balance at the end	-392,000	-3,455,000
Loss on securities Reclassified from AFS to HTM [Member]
Unrealized gains and losses on available for sale (AFS) securities
Balance at the beginning
Other comprehensive income (loss) before reclassifications	-377,000
Amounts reclassified from other comprehensive income
Other comprehensive income (loss), net	-377,000
Balance at the end	-377,000
Unrealized Gains Losses on Derivatives [Member]
Unrealized gains and losses on available for sale (AFS) securities
Balance at the beginning	-335,000	-487,000
Other comprehensive income (loss) before reclassifications	147,000	152,000
Amounts reclassified from other comprehensive income
Other comprehensive income (loss), net	147,000	152,000
Balance at the end	($188,000)	($335,000)

ACCUMULATED_OTHER_COMPREHENSIV4

ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) (Schedule of Amount Reclassified from each Component of Accumulated Other Comprehensive Income) (Details) (USD $)	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013
ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) [Abstract]
Unrealized gains on AFS securities before tax	$165,000	$153,000
Tax effect	-66,000	-57,000
Reclassification adjustment for gains in net income, net	99,000	96,000
Total reclassifications, net of tax	$99,000	$96,000

QUARTERLY_FINANCIAL_DATA_Unaud1

QUARTERLY FINANCIAL DATA (Unaudited) (Schedule of Quarterly Financial Data) (Details) (USD $)	3 Months Ended								12 Months Ended
	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2013	Sep. 30, 2013	Jun. 30, 2013	Mar. 31, 2013	Dec. 31, 2014	Dec. 31, 2013
QUARTERLY FINANCIAL DATA (Unaudited) [Abstract]
Interest income	$6,534,000	$6,069,000	$6,186,000	$6,145,000	$6,529,000	$6,536,000	$6,636,000	$6,870,000	$24,934,000	$26,571,000
Interest expense	767,000	791,000	810,000	839,000	911,000	940,000	958,000	1,004,000	3,207,000	3,813,000
Net interest income before provision for loan losses	5,767,000	5,278,000	5,376,000	5,306,000	5,618,000	5,596,000	5,678,000	5,866,000	21,727,000	22,758,000
Provision for loan losses	-300,000	250,000			425,000	900,000	850,000	1,600,000	-50,000	3,775,000
Net interest income after provision for loan losses	6,067,000	5,028,000	5,376,000	5,306,000	5,193,000	4,696,000	4,828,000	4,266,000	21,777,000	18,983,000
Noninterest income	990,000	764,000	807,000	399,000	525,000	971,000	995,000	1,474,000	2,960,000	3,965,000
Noninterest expenses	5,044,000	4,989,000	5,106,000	5,094,000	4,901,000	4,874,000	5,131,000	4,932,000	20,233,000	19,838,000
Income before income tax expense	2,013,000	803,000	1,077,000	611,000	817,000	793,000	692,000	808,000	4,504,000	3,110,000
Income tax expense (benefit)	712,000	251,000	351,000	105,000	152,000	271,000	231,000	-14,000	1,419,000	640,000
Net income	1,301,000	552,000	726,000	506,000	665,000	522,000	461,000	822,000	3,085,000	2,470,000
Dividends on preferred stock	171,000	170,000	171,000	171,000	170,000	170,000	127,000	166,000	683,000	633,000
Net income available to common shareholders	$1,130,000	$382,000	$555,000	$335,000	$495,000	$352,000	$334,000	$656,000	$2,402,000	$1,837,000
Basic and diluted earnings per share	$0.19	$0.06	$0.09	$0.06	$0.08	$0.06	$0.06	$0.11	$0.40	$0.31