DCB Financial (DCBF) 10-Q 14 Nov 13 2013 Q3 Quarterly report Financial data

Document_And_Entity_Informatio

Document And Entity Information	9 Months Ended
	Sep. 30, 2013	Nov. 11, 2013
Document Information [Line Items]	'	'
Entity Registrant Name	'DCB FINANCIAL CORP	'
Entity Central Index Key	'0001025877	'
Current Fiscal Year End Date	'--12-31	'
Entity Filer Category	'Smaller Reporting Company	'
Trading Symbol	'DCBF	'
Entity Common Stock, Shares Outstanding	'	7,192,350
Document Type	'10-Q	'
Amendment Flag	'false	'
Document Period End Date	30-Sep-13	'
Document Fiscal Period Focus	'Q3	'
Document Fiscal Year Focus	'2013	'

CONSOLIDATED_BALANCE_SHEETS

CONSOLIDATED BALANCE SHEETS (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
ASSETS	'	'
Cash and due from financial institutions	$7,294	$9,663
Interest-bearing deposits	27,488	53,644
Total cash and cash equivalents	34,782	63,307
Securities available-for-sale	81,071	87,197
Securities held-to-maturity	0	1,149
Total securities	81,071	88,346
Loans	358,290	317,504
Less allowance for loan losses	-6,471	-6,881
Net Loans	351,819	310,623
Real estate owned	1,291	3,671
Investment in FHLB Stock	3,799	3,799
Premises and equipment, net	12,151	12,036
Bank owned life insurance	19,135	18,564
Accrued interest receivable and other assets	2,774	6,146
Total assets	506,822	506,492
LIABILITIES	'	'
Noninterest bearing deposits	103,762	95,847
Interest bearing deposits	347,303	352,443
Total deposits	451,065	448,290
Federal Home Loan Bank advances	5,140	7,498
Accrued interest payable and other liabilities	2,138	2,315
Total liabilities	458,343	458,103
STOCKHOLDERS' EQUITY	'	'
Common stock, no par value, 7,500,000 shares authorized, 7,500,000 shares issued, and 7,500,000 shares outstanding at September 30, 2013 and December 31, 2012	15,771	15,771
Retained earnings	40,785	40,614
Treasury stock, at cost, 307,650 shares at September 30, 2013 and December 31, 2012	-7,416	-7,416
Accumulated other comprehensive loss	-661	-580
Total stockholders' equity	48,479	48,389
Total liabilities and stockholders' equity	$506,822	$506,492

CONSOLIDATED_BALANCE_SHEETS_Pa

CONSOLIDATED BALANCE SHEETS (Parenthetical) (USD $)	Sep. 30, 2013	Dec. 31, 2012
Common stock, par value (in dollars per share)	$0	$0
Common stock, shares authorized	7,500,000	7,500,000
Common stock, shares issued	7,500,000	7,500,000
Common Stock, Shares, Outstanding	7,500,000	7,500,000
Treasury stock, shares	307,650	307,650

CONSOLIDATED_STATEMENTS_OF_OPE

CONSOLIDATED STATEMENTS OF OPERATIONS (USD $)	3 Months Ended		9 Months Ended
In Thousands, except Per Share data, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
Interest and dividend income	'	'	'	'
Loans	$3,814	$3,967	$11,100	$12,414
Taxable securities	434	537	1,396	1,688
Tax-exempt securities	47	54	140	171
Federal funds sold and other	21	21	71	70
Total interest income	4,316	4,579	12,707	14,343
Interest expense	'	'	'	'
Deposits	362	566	1,235	1,862
Borrowings	63	177	214	771
Total interest expense	425	743	1,449	2,633
Net interest income	3,891	3,836	11,258	11,710
Provision for loan losses	0	65	-890	795
Net interest income after provision for loan losses	3,891	3,771	12,148	10,915
Non-interest income	'	'	'	'
Service charges	543	718	1,665	1,912
Trust department income	181	224	553	674
Gain on sales of securities	0	0	135	508
Net gain (loss) on sale of REO	-51	-52	35	-309
Treasury management fees	57	61	183	193
Earnings on bank owned life insurance	166	165	571	575
Other	296	42	709	527
Total noninterest income	1,192	1,158	3,851	4,080
Noninterest expense	'	'	'	'
Salaries and other employee benefits	2,924	2,542	8,760	7,155
Occupancy and equipment	685	745	2,278	2,283
Professional services	359	172	1,326	870
Advertising	66	134	239	322
Postage, freight and courier	52	11	149	94
Supplies	79	35	214	124
State franchise taxes	120	70	374	278
Federal deposit insurance premiums	187	287	531	862
Other	758	754	2,255	2,415
Total noninterest expense	5,230	4,750	16,126	14,403
Net income (loss) before income taxes	-147	179	-127	592
Income tax benefit	-20	-127	-298	-156
Net income (loss)	($127)	$306	$171	$748
Basic and diluted earnings (loss) per common share (in dollars per share)	($0.02)	$0.08	$0.02	$0.20
Dividends per share (in dollars per share)	$0	$0	$0	$0

CONSOLIDATED_STATEMENTS_OF_COM

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (LOSS) (USD $)	3 Months Ended		9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
Net income (loss)	($127)	$306	$171	$748
Other comprehensive income (loss):	'	'	'	'
Reclassification adjustment of previously recognized noncredit other-than-temporary impairment on sale of security, net of tax of $512	0	0	995	0
Reclassification adjustment for realized gains included in net income, net of taxes of $46 and $173	0	0	-89	-335
Unrealized gains (losses) on securities available-for-sale, net of related taxes of $(326), $116, $(667), and $294 in 2013 and 2012, respectively	-633	225	-1,294	570
Unrealized gains on securities transferred into available-for-sale, net of related taxes of $131	0	0	254	0
Amortization of unrealized losses on held-to-maturity securities, net of taxes of $5, $12, $27, and $35 in 2013 and 2012 respectively	10	23	53	69
Total other comprehensive income (loss)	-623	248	-81	304
Comprehensive income (loss)	($750)	$554	$90	$1,052

CONSOLIDATED_STATEMENTS_OF_COM1

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (LOSS) (Parenthetical) (USD $)	3 Months Ended		9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
Other Than Temporary Impairment Losses Investment Reclassification Adjustment Of Previously Recognized Sale Of Security Tax	'	'	$512	'
Other than Temporary Impairment Losses, Investments, Portion in Other Comprehensive Loss, Tax, Portion Attributable to Parent, Available-for-sale Securities	'	'	46	173
Other than Temporary Impairment Losses, Investments, Portion in Other Comprehensive Loss, Tax, Portion Attributable to Parent, Held-to-maturity Securities	-326	116	-667	294
Other Comprehensive Income (Loss), Unrealized Holding Gain (Loss) on Securities Arising During Period, Tax	'	'	131	'
Other Comprehensive Income Amortization Of Unrealized Gain (Losses) On Held To Maturity Securities Tax	$5	$12	$27	$35

CONSOLIDATED_STATEMENTS_OF_CAS

CONSOLIDATED STATEMENTS OF CASH FLOWS (USD $)	9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012
Cash flows provided by (used in) operating activites	$3,509	($1,500)
Cash flows provided by (used in) investing activities	'	'
Purchases	-17,268	-42,868
Proceeds from maturities, principal payments and calls	20,757	19,627
Sales	2,561	12,934
Net change in loans	-40,033	36,096
Proceeds from sale of real estate owned	2,442	2,358
Premises and equipment expenditures	-910	-348
Net cash flows provided by (used in) investing activities	-32,451	27,799
Cash flows provided by (used in) financing activities	'	'
Net change in deposits	2,775	5,891
Repayment of Federal Home Loan Bank advances	-2,358	-23,347
Net cash provided by (used in) financing activities	417	-17,456
Net change in cash and cash equivalents	-28,525	8,843
Cash and cash equivalents at beginning of period	63,307	39,314
Cash and cash equivalents at end of period	34,782	48,157
Supplemental disclosures of cash flow information:	'	'
Interest on deposits and borrowings	1,519	2,687
Supplemental disclosures of non-cash investing and financing activites	'	'
Transfers from loans to real estate owned	$27	$2,187

BASIS_OF_PRESENTATION_AND_SUMM

BASIS OF PRESENTATION AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	9 Months Ended
	Sep. 30, 2013
Accounting Policies [Abstract]	'
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	'
	NOTE 1 – BASIS OF PRESENTATION AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
	Throughout this report, the terms “Company,” “DCB,” “we,” “our” and “us” refers to the consolidated entity of DCB Financial Corp and its wholly owned subsidiaries, The Delaware County Bank and Trust Company (the “Bank”), DCB Title Services LLC, Datatasx LLC, and DCB Insurance Services, Inc.
	The accompanying unaudited financial statements were prepared in accordance with the instructions for Form 10-Q and Regulation S-X and, therefore, do not include information for footnotes necessary for a complete presentation of financial condition, results of operations, and cash flows in conformity with accounting principles generally accepted in the United States of America (“U.S. GAAP”). The material under the heading “Management’s Discussion and Analysis of Financial Condition and Results of Operations” is written with the presumption that the users of the interim financial statements have read, or have access to, the latest audited financial statements and notes thereto of the Company, together with Management’s Discussion and Analysis of Financial Condition and Results of Operations as of December 31, 2012, and for the two-year period then ended, included in the Company’s Annual Report on Form 10-K for the year ended December 31, 2012. Accordingly, only material changes in the results of operations and financial condition are discussed in the remainder of Part I. Certain amounts from prior year periods are reclassified, when necessary, to conform to the current period presentation.
	All adjustments, consisting of only normal recurring items, that in the opinion of management are necessary for a fair presentation of the financial statements have been included in the results of operations for the nine months ended September 30, 2013 and 2012. The results of operations for the nine months ended September 30, 2013 are not necessarily indicative of the results anticipated for the year.
	Earnings per share
	Earnings per common share is net income divided by the weighted-average number of shares of common stock outstanding during the period. Diluted earnings per common share is computed including the dilutive effect of additional potential common shares under stock options. Weighted-average shares for basic and diluted earnings per share are presented below.
		Three Months Ended				Nine Months Ended
		September 30,				September 30,
		2013		2012		2013		2012
	Weighted-average common shares outstanding (basic)		7,192,350		3,717,385		7,192,350		3,717,385
	Dilutive effect of assumed exercise of stock options		-		22,309		34,020		17,795
	Weighted-average common shares outstanding (diluted)		7,192,350		3,739,694		7,226,370		3,735,180
	Options to purchase 251,400 shares of common stock with a weighted-average exercise price of $9.89 were outstanding at September 30, 2013. There were 143,658 shares included in the computation of common share equivalents for the nine-month period then ended because the average fair value of the shares was greater than the exercise price. Diluted loss per common share is not computed for the three months ended September 30, 2013 in which an operating loss is sustained.
	Options to purchase 194,707 shares of common stock with a weighted-average exercise price of $12.65 were outstanding at September 30, 2012. There were 83,965 shares included in the computation of common share equivalents for the three-month and nine-month periods then ended because the average fair value of the shares was greater than the exercise price.
	Equity compensation plan
	The company has a stock option plan for employees and directors as described in Note 6 (Stock-Based Compensation). In addition to equity settlement, the stock option plan also allows for cash settlement of options at the recipient’s discretion; therefore, liability accounting applies to this plan. Compensation expense is recognized based on the fair value of vested awards at the reporting date. A Black-Scholes model is utilized to estimate the fair value of stock options at the date of grant and subsequent re-measurement dates. Compensation cost is recognized over the required service period, generally defined as the vesting period for stock option awards. The Company’s stock option awards contain terms that provide for a graded vesting schedule whereby portions of the award vest in increments over the requisite service period. Changes in fair value of the options between the vesting date and option expiration date are also recognized in the Consolidated Statement of Operations.

SECURITIES

SECURITIES	9 Months Ended
	Sep. 30, 2013
Investments, Debt and Equity Securities [Abstract]	'
SECURITIES	'
	NOTE 2 – SECURITIES
	The amortized cost and estimated fair values of securities available-for-sale were as follows for the dates indicated (in thousands):
	September 30, 2013:
		Adjusted			Gross			Gross			Fair
		Amortized			Unrealized			Unrealized			Value
		Cost			Gains			Losses
	U.S. Government and agency obligations	$	16,793		$	9		$	396		$	16,406
	Corporate bonds		6,202			51			70			6,183
	States and municipal obligations		20,723			331			497			20,557
	Collateralized debt obligations		1,932			-			928			1,004
	Mortgage-backed securities		36,439			746			264			36,921
	Total	$	82,089		$	1,137		$	2,155		$	81,071
	December 31, 2012:
		Amortized			Gross			Gross			Fair
		Costs			Unrealized			Unrealized			Value
					Gains			Losses
	U.S. Government and agency obligations	$	16,821		$	134		$	18		$	16,937
	Corporate bonds		5,081			86			2			5,165
	States and municipal obligations		19,874			918			31			20,761
	Mortgage-backed securities		43,432			931			29			44,334
	Total	$	85,208		$	2,069		$	80		$	87,197
	During the nine months ended September 30, 2013, the Company sold investments in collateralized debt obligations for proceeds of $2.6 million.  This reflects a gain on sale of $135,000 from this transaction.  These securities that were sold were from the held-to-maturity portfolio and as a result of the sale the remaining securities have been reclassified as available-for-sale.
	Realized gains on sales of investment securities for the three and nine months ended September 30, 2013 were $0 and $135,000, respectively.  Realized gains on sales of investment securities for the three and nine months ended September 30, 2012 were $0 and $508,000, respectively.
	The amortized cost and estimated fair values of securities held-to-maturity at December 31, 2012 were as follows (in thousands):
		Adjusted			Gross			Estimated
		Amortized			Unrealized			Fair Value
		Cost			Gains
	Collateralized debt obligations	$	1,149		$	941		$	2,090
	There were no credit losses recognized on investments in the three and nine months ended September 30, 2013 and 2012.
	The table below indicates the length of time individual available for sale securities have been in a continuous unrealized loss position at the dates indicated (in thousands):
	30-Sep-13
		(Less than 12 months)								(12 months or longer)						Total
	Description of	Number of		Fair			Unrealized			Number of		Fair		Unrealized		Number of	Fair		Unrealized
	securities	investment		Value			losses			investments		value		losses		investments	value		losses
	U.S. Government	13		$	13,285		$	396		-		$	-	$	-	13	$	13,285	$	396
	and agency
	obligations
	Corporate bonds	7			3,023			70		-			-		-	7		3,023		70
	State and municipal	33			11,139			464		1			475		33	34		11,614		497
	obligations
	Collateralized
	debt obligations	-			-			-		1			1,004		928	1		1,004		928
	Mortgage-backed	9			7,047			264		-					-	9		7,047		264
	securities and
	other
	Total temporarily	62		$	34,494		$	1,194		2		$	1,479	$	961	64	$	35,973	$	2,155
	impaired
	securities
	31-Dec-12
		(Less than 12 months)								(12 months or longer)						Total
	Description of	Number of		Fair			Unrealized			Number of		Fair		Unrealized		Number of	Fair		Unrealized
	securities	investment		value			losses			investments		value		losses		investments	value		losses
	U.S. Government	3		$	3,649		$	18		-		$	-	$	-	3	$	3,649	$	18
	and agency
	obligations
	Corporate bonds	1			501			2		-			-		-	1		501		2
	State and municipal	5			1,630			31		-			-		-	5		1,630		31
	obligations
	Mortgage-backed	6			4,065			29		-			-		-	6		4,065		29
	securities and
	other
	Total temporarily	15		$	9,845		$	80		-		$	-	$	-	15	$	9,845	$	80
	impaired
securities
The unrealized losses on the Company’s investments in U.S. Government and agency obligations, state and political subdivision obligations, corporate bonds and mortgage-backed securities were caused primarily by changes in interest rates.  The contractual terms of those investments do not permit the issuer to settle the securities at a price less than the amortized cost bases of the investments.  Because the Company does not intend to sell the investments and it is not more likely than not the Company will be required to sell the investments before recovery of their amortized cost bases, which may be maturity, the Company does not consider those investments to be other-than-temporarily impaired at September 30, 2013 or December 31, 2012.
The Company’s investments in collateralized debt obligations relates to an original investment of $8.0 million in pooled trust securities.  In 2009, the Company recognized an other-than-temporary impairment on these securities and recognized a loss equal to the credit loss, establishing a new, lower amortized cost basis. The credit loss was calculated by comparing expected discounted cash flows based on performance indicators of the underlying assets in the security to the carrying value of the investment.  The Company evaluates the investments on a quarterly basis for other-than-temporary impairment and other unrealized gains or losses due to temporary market factors. Historically these securities were classified as held-to-maturity.  As mentioned above, one security was sold from this portfolio during the nine months ended September 30, 2013.  In connection with this sale, the remaining securities in this portfolio have been reclassified as available-for-sale as of September 30, 2013.
Substantially all mortgage-backed securities are backed by pools of mortgages that are insured or guaranteed by the Federal National Mortgage Association (“FNMA”), the Government National Mortgage Association (“GNMA”) or the Federal Home Loan Mortgage Corporation (“FHLMC”).
At September 30, 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 amortized cost and estimated fair value of all debt securities at September 30, 2013, by contractual maturity, are shown below.  Actual maturities may differ from contractual maturities because issuers may have the right to call or prepay obligations.  Mortgage-backed securities are shown separately since they are not due at a single maturity date (in thousands).
	Available-for-sale						Held-to-maturity
	Amortized			Fair			Amortized			Fair
	Cost			Value			Cost			Value
Due in one year or less	$	1,041		$	1,048		$	-		$	-
Due after one to five years		8,256			8,320			-			-
Due after five to ten years		24,156			23,836			-			-
Due after ten years		12,197			10,946			-			-
Mortgage-backed and related securities		36,439			36,921			-			-
Total	$	82,089		$	81,071		$	-		$	-
Securities with a fair value of $70.9 million at September 30, 2013 were pledged to secure public deposits and other obligations.

LOANS

LOANS	9 Months Ended
	Sep. 30, 2013
Receivables [Abstract]	'
LOANS	'
	NOTE 3 –LOANS
	The following table presents major classifications of loans at the dates indicated (in thousands):
		September 30,		December 31,
		2013		2012
	Commercial and industrial	$	122,687	$	112,300
	Commercial real estate		109,933		111,417
	Residential real estate and home equity		93,349		72,137
	Consumer and credit card		32,169		21,620
	Subtotal		358,138		317,474
	Add: Net deferred loan origination fees		152		30
	Total loans receivable	$	358,290	$	317,504

CREDIT_QUALITY

CREDIT QUALITY	9 Months Ended
	Sep. 30, 2013
Credit Quality [Abstract]	'
CREDIT QUALITY	'
	NOTE 4 – CREDIT QUALITY
	Allowance for Credit Losses
	The following tables summarize activity in the allowance for loan losses for the periods indicated (in thousands):
	For the Three Months Ended September 30, 2013:
			Consumer and			Commercial and			Commercial			Residential		Total
			Credit Card			Industrial			Real Estate			Real Estate and
												Home Equity
	Beginning balance:		$	368		$	1,572		$	4,363		$	200	$	6,503
	Chargeoffs			-83			-6			-5			-52		-146
	Recoveries			82			5			20			7		114
	Provision			8			-101			9			84		-
	Ending balance:		$	375		$	1,470		$	4,387		$	239	$	6,471
	For the Nine Months Ended September 30, 2013:
			Consumer and			Commercial and			Commercial			Residential		Total
			Credit Card			Industrial			Real Estate			Real Estate and
												Home Equity
	Beginning balance:		$	365		$	1,620		$	4,692		$	204	$	6,881
	Chargeoffs			-219			-85			-135			-141		-580
	Recoveries			192			780			43			45		1,060
	Provision			37			-845			-213			131		-890
	Ending balance:		$	375		$	1,470		$	4,387		$	239	$	6,471
	The following tables summarize activity in the allowance for loan losses for the periods indicated, cont. (in thousands):
	For the Three Months Ended September 30, 2012:
			Consumer and			Commercial			Commercial			Residential		Total
			Credit Card			and Industrial			Real Estate			Real Estate and
												Home Equity
	Beginning balance:		$	373		$	2,132		$	6,436		$	207	$	9,148
	Chargeoffs			-82			-833			-250			-43		-1,209
	Recoveries			51			62			29			4		146
	Provision			30			777			-783			41		66
	Ending balance:		$	372		$	2,138		$	5,432		$	209	$	8,151
	For the Nine Months Ended September 30, 2012:
			Consumer and			Commercial			Commercial			Residential		Total
			Credit Card			and Industrial			Real Estate			Real Estate and
												Home Equity
	Beginning balance:		$	425		$	1,952		$	6,916		$	291	$	9,584
	Chargeoffs			-294			-981			-1,323			-62		-2,660
	Recoveries			162			213			42			15		432
	Provision			79			954			-203			-35		795
	Ending balance:		$	372		$	2,138		$	5,432		$	209	$	8,151
	Impaired Loans
	A loan is considered impaired when based on current information and events, it is probable the Bank will be unable to collect all amounts due from the borrower in accordance with the contractual terms of the loan.  Impaired loans include nonperforming commercial loans but also include loans modified in troubled debt restructurings where concessions have been granted to borrowers experiencing financial difficulties.  These concessions could include a reduction in the interest rate on the loan, payment extensions, forgiveness of principal, forbearance or other actions intended to maximize collection. Generally, commercial and commercial real estate loans with risk grades Substandard, Vulnerable, Doubtful, or Loss, with aggregate relationships greater than $250,000 are evaluated for impairment. Interest income on impaired loans is recognized when accrued, for loans that remain in a performing status. Loans that are not performing and in a nonaccrual status recognize interest only on cash basis if circumstances warrant.
	The following table presents information related to the recorded investment, unpaid balance and related allowance on impaired loans at the dates indicated (in thousands):
	At September 30, 2013
			Recorded			Unpaid			Related			9 Months		9 Months		3 Months		3 Months
			Investment			Principal			Allowance			Average		Interest		Average		Interest
						Balance						Recorded		Income		Recorded		Income
												Investment		Recognized		Investment		Recognized
	With No Related Allowance
	Recorded
	Consumer and Credit Card		$	-		$	-		$	-		$	-	$	-	$	-	$	-
	Commercial and Industrial			2,658			2,735			-			3,420		81		3,198		26
	Commercial Real Estate			10,790			12,833			-			9,839		498		11,075		166
	Residential RE and Home Equity			-			-			-			-		-		-		-
	With Allowance Recorded
	Consumer and Credit Card		$	-		$	-		$	-		$	-	$	-	$	-	$	-
	Commercial and Industrial			2,928			2,572			609			2,349		71		3,132		24
	Commercial Real Estate			10,190			10,609			2,537			10,947		265		9,256		103
	Residential RE and Home Equity			-			-			-			-		-		-		-
	Total
	Consumer and Credit Card		$	-		$	-		$	-		$	-	$	-	$	-	$	-
	Commercial and Industrial			5,586			5,307			609			5,769		152		6,330		50
	Commercial Real Estate			20,980			23,442			2,537			20,786		763		20,331		269
Residential RE and Home Equity			-			-			-			-		-		-		-
Total		$	26,566		$	28,749		$	3,146		$	26,555	$	915	$	26,661	$	319
At December 31, 2012:
		Recorded			Unpaid			Related			Average		Interest
		Investment			Principal			Allowance			Recorded		Income
					Balance						Investment		Recognized
With No Related Allowance
Recorded
Consumer and Credit Card		$	-		$	-		$	-		$	-	$	-
Commercial and Industrial			4,288			4,437			-			3,557		268
Commercial Real Estate			5,507			5,998			-			10,067		241
Residential RE and Home Equity			-			-			-			-		-
With Allowance Recorded
Consumer and Credit Card			-			-			-			-		-
Commercial and Industrial			1,183			1,248			340			6,208		65
Commercial Real Estate			16,376			20,008			3,400			15,965		820
Residential RE and Home Equity			-			-			-			-		-
Total
Consumer and Credit Card		$	-		$	-		$	-		$	-	$	-
Commercial and Industrial			5,471			5,685			340			9,765		333
Commercial Real Estate			21,883			26,006			3,400			26,032		1,061
Residential RE and Home Equity			-			-			-			-		-
Total		$	27,354		$	31,691		$	3,740		$	35,797	$	1,394
The allocation of the allowance for loan losses summarized on the basis of the Company’s impairment methodology was as follows at the dates indicated (in thousands):
At September 30, 2013:
		Consumer and			Commercial and			Commercial			Residential		Total
		Credit Card			Industrial			Real Estate			Real Estate and
											Home Equity
Individually evaluated for impairment		$	-		$	609		$	2,537		$	-	$	3,146
Collectively evaluated for impairment			375			861			1,850			239		3,325
Ending balance:		$	375		$	1,470		$	4,387		$	239	$	6,471
At December 31, 2012:
		Consumer and			Commercial and			Commercial			Residential		Total
		Credit Card			Industrial			Real Estate			Real Estate and
											Home Equity
Individually evaluated for impairment		$	-		$	340		$	3,400		$	-	$	3,740
Collectively evaluated for impairment			365			1,280			1,292			204		3,141
Ending balance:		$	365		$	1,620		$	4,692		$	204	$	6,881
The recorded investment in loans summarized on the basis of the Company’s impairment methodology at the dates indicated was as follows (in thousands):
As of September 30, 2013:
		Consumer and			Commercial and			Commercial			Residential		Total
		Credit Card			Industrial			Real Estate			Real Estate and
											Home Equity
Loans:
Individually evaluated for impairment		$	-		$	5,586		$	20,980		$	-	$	26,566
Collectively evaluated for impairment			32,169			117,101			88,953			93,349		331,572
Ending balance:		$	32,169		$	122,687		$	109,933		$	93,349	$	358,138
As of December 31, 2012:
		Consumer and			Commercial and			Commercial			Residential		Total
		Credit Card			Industrial			Real Estate			Real Estate and
											Home Equity
Loans:
Individually evaluated for impairment		$	-		$	5,471		$	21,883		$	-	$	27,354
Collectively evaluated for impairment			21,620			106,829			89,534			72,137		290,120
Ending balance:		$	21,620		$	112,300		$	111,417		$	72,137	$	317,474
The following table summarizes loans on nonaccrual status at the dates indicated (in thousands):
		September 30,			December 31,
		2013			2012
Consumer and credit card		$	-		$	-
Commercial and industrial			1,765			2,815
Commercial real estate			3,529			2,195
Residential real estate and home equity			257			321
Total		$	5,551		$	5,331
Credit Quality Indicators
Risk Category Descriptions
Pass (Prime – 1, Good – 2, Fair – 3, Compromised – 4)
Loans with a pass grade have a higher likelihood that the borrower will be able to service its obligations in accordance with the terms of the loan than those loans graded 5, 6, 7, or 8. The borrower’s ability to meet its future debt service obligations is the primary focus for this determination. Generally, a borrower’s expected performance is based on the borrower’s financial strength as reflected by its historical and projected balance sheet and income
statement proportions, its performance, and its future prospects in light of conditions that may occur during the term of the loan.
Vulnerable (Special Mention) – 5
Loans which possess some credit deficiency or potential weakness which deserves close attention, but which do not yet warrant substandard classification.  Such loans pose unwarranted financial risk that, if not corrected, could weaken the loan and increase risk in the future.  The key distinctions of a Vulnerable (Special Mention) classification are that (1) it is indicative of an unwarranted level of risk, and (2) weaknesses are considered “potential”, versus “well-defined”, impairments to the primary source of loan repayment.
Substandard – 6
Loans that are inadequately protected by the current net worth and paying capacity of the obligor or of the collateral pledged, if any.  Loans so classified must have well-defined weakness or weaknesses that jeopardize the liquidation of the debt.  They are characterized by the distinct possibility that the Bank will sustain some loss if the deficiencies are not corrected.  One or more of the following characteristics may be exhibited in loans classified Substandard:
	⋅	Loans that possess a defined credit weakness and the likelihood that a loan will be paid from the primary source is uncertain. Financial deterioration is underway and very close attention is warranted to ensure that the loan is collected without loss.
	⋅	Loans are inadequately protected by the current net worth and paying capacity of the obligor.
	⋅	The primary source of repayment is gone, and the Bank is forced to rely on a secondary source of repayment such as collateral liquidation or guarantees.
	⋅	Loans are characterized by the distinct possibility that the Bank will sustain some loss if deficiencies are not corrected.
	⋅	Unusual courses of action are needed to maintain a high probability of repayment.
	⋅	The borrower is not generating enough cash flow to repay loan principal; however, continues to make interest payments.
	⋅	The Bank is forced into a subordinated or unsecured position due to flaws in documentation.
	⋅	Loans have been restructured so that payment schedules, terms and collateral represent concessions to the borrower when compared to the normal loan terms.
	⋅	The Bank is contemplating foreclosure or legal action due to the apparent deterioration in the loan.
	⋅	There is a significant deterioration in the market conditions and the borrower is highly vulnerable to these conditions.
Doubtful – 7
One or more of the following characteristics may be exhibited in loans classified Doubtful:
	⋅	Loans have all of the weaknesses of those classified as Substandard. Additionally, however, these weaknesses make collection or liquidation in full based on existing conditions improbable.
	⋅	The primary source of repayment is gone, and there is considerable doubt as to the quality of the secondary source of repayment.
	⋅	The possibility of loss is high, but, because of certain important pending factors, which may strengthen the loan, loss classification is deferred until its exact status is known. A Doubtful classification is established during this period of deferring the realization of the loss.
Loss – 8
Loans are considered uncollectible and of such little value that continuing to carry them as assets on the Bank’s financial statements is not feasible.  Loans will be classified Loss when it is neither practical nor desirable to defer writing off or reserving all or a portion of a basically worthless asset, even though partial recovery may be possible at some time in the future.
The following table presents as of the dates indicated and based on the most recent analysis performed, the recorded investment by risk category of loans (in thousands):
At September 30, 2013:
Category		Commercial			Commercial
		and Industrial			Real Estate
Pass - 1 through 4		$	105,435		$	82,212
Vulnerable – 5			9,021			8,826
Substandard – 6			8,231			18,895
Doubtful – 7			-			-
Loss – 8			-			-
Total		$	122,687		$	109,933
At December 31, 2012:
Category		Commercial and			Commercial
		Industrial			Real Estate
Pass-1-4		$	90,516		$	76,708
Vulnerable-5			12,240			12,289
Substandard-6			9,544			22,420
Doubtful-7			-			-
Loss-8			-			-
Total		$	112,300		$	111,417
Consumer Risk
The following table presents the recorded investment in consumer and residential real estate loans based on payment activity as of the dates indicated (in thousands):
At September 30, 2013:
Payment Category		Consumer and			Residential
		Credit Card			Real Estate and
					Home Equity
Performing		$	32,169		$	93,051
Nonperforming			-			298
Total		$	32,169		$	93,349
At December 31, 2012:
Payment Category		Consumer and			Residential
		Credit Card			Real Estate and
					Home Equity
Performing		$	21,592		$	71,816
Non-Performing			28			321
Total		$	21,620		$	72,137
The following table presents the aging of past due loans aged at the date indicated (in thousands):
At September 30, 2013:
Category		30-59 Days			60-89			Greater			Total		Current		Loans		Recorded
		Past Due			Days			than 90			Past Due						Investment
					Past			Days Past									> 90 days
					Due			Due									and
																	Accruing
Consumer and credit card		$	53		$	103		$	-		$	156	$	32,013	$	32,169	$	-
Commercial and industrial			17			-			1,049			1,066		121,621		122,687		47
Commercial real estate			-			-			2,711			2,711		107,222		109,933		-
Residential real estate and			78			198			298			574		92,775		93,349		40
home equity
Total		$	168		$	412		$	4,058		$	4,507	$	353,631	$	358,138	$	87
At December 31, 2012:
Category		30-59 Days			60-89			Greater			Total		Current		Total Loans		Recorded
		Past Due			Days Past			than 90			Past Due						Investment >
					Due			Days Past									90 days and
								Due									Accruing
Consumer and Credit Card		$	37		$	101		$	28		$	166	$	21,454	$	21,620	$	28
Commercial and Industrial			20			-			26			46		112,254		112,300		-
Commercial Real Estate			538			114			2,195			2,847		108,570		111,417		-
Residential Real Estate and			444			289			321			1,054		71,083		72,137		-
Home Equity
Total		$	1,039		$	504		$	2,570		$	4,113	$	313,361	$	317,474	$	28
Troubled Debt Restructurings
Information regarding troubled debt restructuring (“TDR”) loans for the three and nine month periods ended September 30, 2013 and 2012 is as follows:
		Three Months Ended
		September 30, 2013					September 30, 2012
		Number of		Recorded Investment			Number of		Recorded Investment
		Contracts		(as of period end)			Contracts		(as of period end)
Consumer and credit card		-		$	-		2		$	11
Commercial and industrial		-			-		-			-
Commercial real estate		-			-		-			-
Residential real estate and home equity		-			-		-			-
Total		-		$	-		2		$	11
		Nine Months Ended
		September 30, 2013					September 30, 2012
		Number of		Recorded Investment			Number of		Recorded Investment
		Contracts		(as of period end)			Contracts		(as of period end)
Consumer and credit card		-		$	-		6		$	56
Commercial and industrial		1			61		-			-
Commercial real estate		5			3,552		2			2,803
Residential real estate and home equity		-			-		-			-
Total		6		$	3,613		8		$	2,859
The following presents by class loans modified in a TDR from January 1, 2012 through September 30, 2013 that subsequently defaulted (i.e. 60 days or more past due following a modification) during the three and nine month periods ended September 30, 2013.
TDRs that defaulted during the period, within twelve months of their modification date:
		Three Months Ended
		September 30, 2013					September 30, 2012
		Number of		Recorded Investment			Number of		Recorded Investment
		Contracts		as of period end (1)			Contracts		as of period end (1)
Consumer and credit card		-		$	-		-		$	-
Commercial and industrial		-			-		-			-
Commercial real estate		3			163		1			1,110
Residential real estate and home equity		-			-		-			-
Total		3		$	163		1		$	1,110
(1)   Period end balances are inclusive of all partial pay downs and chargeoffs since the modification date. Loans modified in a TDR that were fully paid down, charged off, or foreclosed upon by period end are not reported.
		Nine Months Ended
		September 30, 2013					September 30, 2012
		Number of		Recorded Investment			Number of		Recorded Investment
		Contracts		as of period end (1)			Contracts		as of period end (1)
Consumer and credit card		-		$	-		-		$	-
Commercial and industrial		-			-		-			-
Commercial real estate		3			163		1			1,110
Residential real estate and home equity		-			-		-			-
Total		3		$	163		1		$	1,110
(1)   Period end balances are inclusive of all partial pay downs and chargeoffs since the modification date. Loans modified in a TDR that were fully paid down, charged off, or foreclosed upon by period end are not reported.

FAIR_VALUE_MEASUREMENTS

FAIR VALUE MEASUREMENTS	9 Months Ended
	Sep. 30, 2013
Fair Value Disclosures [Abstract]	'
FAIR VALUE MEASUREMENTS	'
	NOTE 5 – FAIR VALUE MEASUREMENTS
	The Company accounts for fair value measurements in accordance with FASB ASC 820, which defines fair value, establishes a framework for measuring fair value and expands disclosures about fair value measurements. FASB ASC 820 defines fair value as the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. FASB ASC 820 also establishes a fair value hierarchy which requires an entity to maximize the use of observable inputs and minimize the use of unobservable inputs when measuring fair value.
	The standard describes three levels of inputs that may be used to measure fair value:
		Level 1	Quoted prices in active markets for identical assets or liabilities
		Level 2	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 for substantially the full term of the assets or liabilities
		Level 3	Unobservable inputs that are supported by little or no market activity and that are significant to the fair value of the assets or liabilities
	The carrying value of certain financial assets and liabilities is impacted by the application of fair value measurements, either directly or indirectly. In certain cases, an asset or liability is measured and reported at fair value on a recurring basis, such as available-for-sale investment securities. In other cases, management must rely on estimates or judgments to determine if an asset or liability not measured at fair value warrants an impairment write-down or whether a valuation reserve should be established. Given the inherent volatility, the use of fair value measurements may have a significant impact on the carrying value of assets or liabilities, or result in material changes to the financial statements, from period to period.
	Fair value is defined as the price that would be received to sell an asset or transfer a liability between market participants at the balance sheet date. When possible, the Company looks to active and observable markets to price identical assets or liabilities. When identical assets and liabilities are not traded in active markets, the Company looks to observable market data for similar assets and liabilities. However, certain assets and liabilities are not traded in observable markets and the Company must use other valuation methods to develop a fair value. The fair value of impaired loans is based on the fair value of the underlying collateral, which is estimated through third party appraisals or internal estimates of collateral values.
	The following methods, assumptions, and valuation techniques were used by the Company to measure different financial assets and liabilities at fair value and in estimating its fair value disclosures for financial instruments.
	Cash and Cash Equivalents: The carrying amounts reported in the consolidated statements of financial condition for cash and cash equivalents is deemed to approximate fair value and are classified as Level 1 of the fair value hierarchy.
	Available for Sale Investment Securities: Fair values for investment securities are determined by quoted market prices if available (Level 1). For securities where quoted prices are not available, fair values are estimated based on market prices of similar securities. For securities where quoted prices or market prices of similar securities are not available, fair values are stimated using matrix pricing, which is a mathematical technique widely used in the industry to value investment securities
	without relying exclusively on quoted prices for the specific investment securities but rather relying on the investment securities’ relationship to other benchmark quoted investment securities (Level 2). Any investment securities not valued based upon the methods above is considered Level 3.
	The Company utilizes information provided by a third-party investment securities portfolio manager in analyzing the investment securities portfolio in accordance with the fair value hierarchy of the Fair Value Topic. The portfolio manager’s evaluation of investment security portfolio pricing is performed using a combination of prices and data from other sources, along with internally developed matrix pricing models. The third-party’s month-end pricing process includes a series of quality assurance activities where prices are compared to recent market conditions, previous evaluation prices, and between the various pricing services. These processes produce a series of quality assurance reports on which price exceptions are identified, reviewed and where appropriate, securities are re-priced. In the event of a materially different price, the third party will report the variance and review the pricing methodology in detail. The results of the quality assurance process are incorporated into the selection of pricing providers by the third party.
	Held to Maturity Investment Securities: Estimated fair value for held-to-maturity securities is based on independent third-party evaluations including discounted cash flows and other market assumptions. The methods used to estimate the fair value of the securities do not necessarily represent an exit price and due to the significant judgment involved, these securities are classified within the Level 3 classification.
	Loans: For fixed rate loans and for variable rate loans with infrequent re-pricing or re-pricing limits, fair value is based on discounted cash flows using current market rates applied to the estimated life. Fair values for impaired loans are estimated using discounted cash flow analysis or underlying collateral values. For loans held on balance sheet, the discounted fair value is further reduced by the amount of reserves held against the loan portfolios. The methods utilized to estimate the fair value of loans do not necessarily represent an exit price and due to the significant judgment involved in evaluating credit quality, loans are classified within Level 3 classification.
	Federal Home Loan Bank Stock: The carrying amount presented in the consolidated statements of financial condition is deemed to approximate fair value.
	Accrued Interest Receivable and Payable: The fair value for accrued interest approximates its carrying amounts due to the short duration before collection. The valuation is a Level 3 classification which is consistent with its underlying asset or liability.
	Deposits: The fair values of deposits with no stated maturity, such as money market demand deposits, savings and NOW accounts have been analyzed by management and assigned estimated maturities and cash flows which are then discounted to derive a value. The fair value of fixed-rate certificates of deposit is based on the discounted value of contractual cash flows. The discount rate is estimated using the rates currently offered for deposits of similar remaining maturities. The Company classifies the estimated fair value of deposit liabilities as Level 2 in the fair value hierarchy.
	Advances from the Federal Home Loan Bank: The fair value of these advances is estimated using the rates currently offered for similar advances of similar remaining maturities or, when available, quoted market prices.
	Commitments to Extend Credit: For fixed-rate and adjustable-rate loan commitments, the fair value estimate considers the difference between current levels of interest rates and committed rates. At September 30, 2013 and December 31, 2012, the fair value of loan commitments was not material.
	Based on the foregoing methods and assumptions, the carrying value and fair value of the Company’s financial instruments are as follows (in thousands):
	At September 30, 2013:
			Carrying		Fair Value		Level 1		Level 2		Level 3
			Amount
	Financial assets
	Cash and cash equivalents		$	34,782	$	34,782	$	34,782	$	-	$	-
	Securities available-for-sale			81,071		81,071		-		80,067		1,004
	Securities held-to-maturity			-		-		-		-		-
	Loans (net of allowance)			351,819		343,306		-		-		343,306
	FHLB stock			3,799		3,799		-		3,799		-
	Accrued interest receivable			1,537		1,537		-		-		1,537
	Financial liabilities
	Noninterest-bearing deposits		$	103,762	$	103,762	$	-	$	103,762	$	-
	Interest-bearing deposits			347,303		347,591		-		347,591		-
	FHLB advances			5,140		5,140		-		5,140		-
	Accrued interest payable			138		138		-		-		138
	At December 31, 2012:
			Carrying		Fair Value		Level 1		Level 2		Level 3
			Amount
	Financial assets
	Cash and cash equivalents		$	63,307	$	63,307	$	63,307	$	-	$	-
	Securities available-for-sale			87,197		87,197		-		87,197		-
	Securities held-to-maturity			1,149		2,090		-		-		2,090
	Loans (net of allowance)			310,623		307,729		-		-		307,729
	FHLB stock			3,799		3,799		-		3,799		-
	Accrued interest receivable			1,287		1,287		-		-		1,287
	Financial liabilities
	Noninterest-bearing deposits		$	95,847	$	95,847	$	-	$	95,847	$	-
	Interest-bearing deposits			352,443		352,759		-		352,759		-
	FHLB advances			7,498		7,498		-		7,498		-
	Accrued interest payable			208		208		-		-		208
	The following table presents the fair value measurements of assets recognized in the accompanying balance sheets measured at fair value on a recurring basis and the level within the fair value hierarchy in which the fair value measurements fall at September 30, 2013 and December 31, 2012:
	30-Sep-13
					Fair Value Measurements Using
					Quoted Prices
					in Active		Significant
					Markets for		Other		Significant
					Identical		Observable		Unobservable
					Assets		Inputs		Inputs
			Fair Value		(Level 1)		(Level 2)		(Level 3)
	U.S. Government and agency obligations		$	16,406	$	-	$	16,406	$	-
	State and municipal obligations			20,557		-		20,557		-
	Collateralized debt obligations			1,004		-		-		1,004
Corporate bonds			6,183		-		6,183		-
Mortgage-backed securities and other			36,921		-		36,921		-
Total		$	81,071	$	-	$	80,067	$	1,004
31-Dec-12
				Fair Value Measurements Using
				Quoted Prices
				in Active		Significant
				Markets for		Other		Significant
				Identical		Observable		Unobservable
				Assets		Inputs		Inputs
		Fair Value		(Level 1)		(Level 2)		(Level 3)
U.S. Government and agency obligations		$	16,937	$	-	$	16,937	$	-
State and municipal obligations			20,761		-		20,761		-
Corporate bonds			5,165		-		5,165		-
Mortgage-backed securities and other			44,334		-		44,334		-
Total		$	87,197	$	-	$	87,197	$	-
The following is a description of the valuation methodologies used for instruments measured at fair value on a non-recurring basis and recognized in the accompanying balance sheets, as well as the general classification of such instruments pursuant to the valuation hierarchy.
Securities
The Company previously recognized other-than-temporary impairment on the securities classified as collateralized debt obligations as of September 30, 2013, based upon a Level 3 estimate of fair value, including a discounted cash flows calculation and a fair value estimate from an independent evaluation of the securities.
Impaired loans
At September 30, 2013 and December 31, 2012, impaired loans consisted primarily of loans secured by nonresidential and commercial real estate. Management has determined fair value measurements on impaired loans primarily through evaluations of appraisals performed.
Real Estate Owned Real estate acquired through, or in lieu of, loan foreclosure is held for sale and initially recorded at fair value (based on current appraised value) at the date of foreclosure, establishing a new cost basis. Subsequent to foreclosure, valuations are periodically performed by management and the assets are carried at the lower of carrying amount or fair value less estimated costs to sell. Management has determined fair value measurements on real estate owned primarily through evaluations of appraisals performed.
The following table presents the fair value measurements of assets measured at fair value on a nonrecurring basis and the level within the fair value hierarchy in which the fair value measurements fall at September 30, 2013 and December 31, 2012.
30-Sep-13
				Fair Value Measurements Using
				Quoted Prices
				in Active		Significant
				Markets for		Other		Significant
				Identical		Observable		Unobservable
		Fair		Assets		Inputs		Inputs
		Value		(Level 1)		(Level 2)		(Level 3)
Impaired loans		$	10,035	$	-	$	-	$	10,035
Real estate owned			1,291		-		-		1,291
31-Dec-12
				Fair Value Measurements Using
				Quoted Prices
				in Active		Significant
				Markets for		Other		Significant
				Identical		Observable		Unobservable
		Fair		Assets		Inputs		Inputs
		Value		(Level 1)		(Level 2)		(Level 3)
Collateralized debt obligations		$	2,090	$	-	$	-	$	2,090
Impaired loans			23,370		-		-		23,370
Real estate owned			3,671		-		-		3,671

STOCK_BASED_COMPENSATION

STOCK BASED COMPENSATION	9 Months Ended
	Sep. 30, 2013
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]	'
STOCK-BASED COMPENSATION	'
	NOTE 6 – STOCK BASED COMPENSATION
	The Company’s shareholders approved an employee share option Plan (the “Plan”) in May 2004. This Plan grants certain employees the right to purchase shares at a predetermined price. The Plan is limited to 300,000 shares. The shares granted to employees vest 20% per year over a five year period. The options expire after ten years. At September 30, 2013, options to purchase 117,891 shares were vested and exercisable, and 45,596 shares remained available for grant under this plan.
	The Company recognizes compensation cost for vested equity-based awards based on their September 30, 2013 fair value. The Company recorded $60,000 and $79,000 in compensation cost for equity-based awards that vested during the three months ended September 30, 2013 and 2012, respectively. The Company recorded $135,000 and $22,000 in compensation cost for equity-based awards for the nine months ended September 30, 2013 and 2012, respectively.
	In determining the fair value of the stock options at September 30, 2013, the Company utilized a Black-Scholes valuation model with a risk-free interest rate that corresponds to the expected remaining life of each award, an expected dividend yield of 0%, an expected common stock price volatility of 30%, and an expected life of 8 years from the grant date.
	A summary of the status of the Company’s equity compensation plan as of and for the nine months ended September 30, 2013, and changes during the periods then ended are presented below:
			Weighted		Weighted	Aggregate
			Average Exercise		Average Remaining	Intrinsic
		Shares	Price		Contractual Life	Value
	Outstanding at beginning of year	261,098	$	10.38	6.9 years
	Granted	13,889		5.4	9.6 years
	Exercised	-2,936		3.5	—
	Forfeited	-20,651		13.98	—
	Outstanding at end of period	251,400	$	9.89	6.7 years	$	187
	Options exercisable at period end	117,891	$	16.09	4.9 years	$	52
	Weighted-average fair value of options granted during the nine months ended September 30, 2013		$	1.77
	Weighted-average fair value of options granted during the year ended December 31, 2012		$	2.13
	At September 30, 2013, unrecognized compensation expense to be recognized over the remaining life of outstanding options is $168,000.
	The following information applies to options outstanding at September 30, 2013:
	Number Outstanding	Range Of Exercise Prices
	157,547	$3.50 - $5.40
	22,202	$7.50 - $9.00
	25,612	$14.15 - $16.90
	46,039	$23.00 - $31.00

BASIS_OF_PRESENTATION_AND_SUMM1

BASIS OF PRESENTATION AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies)	9 Months Ended
	Sep. 30, 2013
Accounting Policies [Abstract]	'
Earnings per share	'
	Earnings per share
	Earnings per common share is net income divided by the weighted-average number of shares of common stock outstanding during the period. Diluted earnings per common share is computed including the dilutive effect of additional potential common shares under stock options. Weighted-average shares for basic and diluted earnings per share are presented below.
		Three Months Ended				Nine Months Ended
		September 30,				September 30,
		2013		2012		2013		2012
	Weighted-average common shares outstanding (basic)		7,192,350		3,717,385		7,192,350		3,717,385
	Dilutive effect of assumed exercise of stock options		-		22,309		34,020		17,795
	Weighted-average common shares outstanding (diluted)		7,192,350		3,739,694		7,226,370		3,735,180
	Options to purchase 251,400 shares of common stock with a weighted-average exercise price of $9.89 were outstanding at September 30, 2013. There were 143,658 shares included in the computation of common share equivalents for the nine-month period then ended because the average fair value of the shares was greater than the exercise price. Diluted loss per common share is not computed for the three months ended September 30, 2013 in which an operating loss is sustained.
	Options to purchase 194,707 shares of common stock with a weighted-average exercise price of $12.65 were outstanding at September 30, 2012. There were 83,965 shares included in the computation of common share equivalents for the three-month and nine-month periods then ended because the average fair value of the shares was greater than the exercise price.
Stock-Based Compensation	'
	Equity compensation plan
	The company has a stock option plan for employees and directors as described in Note 6 (Stock-Based Compensation). In addition to equity settlement, the stock option plan also allows for cash settlement of options at the recipient’s discretion; therefore, liability accounting applies to this plan. Compensation expense is recognized based on the fair value of vested awards at the reporting date. A Black-Scholes model is utilized to estimate the fair value of stock options at the date of grant and subsequent re-measurement dates. Compensation cost is recognized over the required service period, generally defined as the vesting period for stock option awards. The Company’s stock option awards contain terms that provide for a graded vesting schedule whereby portions of the award vest in increments over the requisite service period. Changes in fair value of the options between the vesting date and option expiration date are also recognized in the Consolidated Statement of Operations.

BASIS_OF_PRESENTATION_AND_SUMM2

BASIS OF PRESENTATION AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Tables)	9 Months Ended
	Sep. 30, 2013
Accounting Policies [Abstract]	'
Weighted-average shares for basic and diluted earnings per share	'
	Weighted-average shares for basic and diluted earnings per share are presented below.
		Three Months Ended				Nine Months Ended
		September 30,				September 30,
		2013		2012		2013		2012
	Weighted-average common shares outstanding (basic)		7,192,350		3,717,385		7,192,350		3,717,385
	Dilutive effect of assumed exercise of stock options		-		22,309		34,020		17,795
	Weighted-average common shares outstanding (diluted)		7,192,350		3,739,694		7,226,370		3,735,180

SECURITIES_Tables

SECURITIES (Tables)	9 Months Ended
	Sep. 30, 2013
Investments, Debt and Equity Securities [Abstract]	'
Fair values of securities available-for-sale	'
	The amortized cost and estimated fair values of securities available-for-sale were as follows for the dates indicated (in thousands):
	September 30, 2013:
		Adjusted			Gross			Gross			Fair
		Amortized			Unrealized			Unrealized			Value
		Cost			Gains			Losses
	U.S. Government and agency obligations	$	16,793		$	9		$	396		$	16,406
	Corporate bonds		6,202			51			70			6,183
	States and municipal obligations		20,723			331			497			20,557
	Collateralized debt obligations		1,932			-			928			1,004
	Mortgage-backed securities		36,439			746			264			36,921
	Total	$	82,089		$	1,137		$	2,155		$	81,071
	December 31, 2012:
		Amortized			Gross			Gross			Fair
		Costs			Unrealized			Unrealized			Value
					Gains			Losses
	U.S. Government and agency obligations	$	16,821		$	134		$	18		$	16,937
	Corporate bonds		5,081			86			2			5,165
	States and municipal obligations		19,874			918			31			20,761
	Mortgage-backed securities		43,432			931			29			44,334
	Total	$	85,208		$	2,069		$	80		$	87,197
Fair values of securities held-to-maturity	'
	The amortized cost and estimated fair values of securities held-to-maturity at December 31, 2012 were as follows (in thousands):
		Adjusted			Gross			Estimated
		Amortized			Unrealized			Fair Value
		Cost			Gains
	Collateralized debt obligations	$	1,149		$	941		$	2,090
Unrealized loss	'
	The table below indicates the length of time individual available for sale securities have been in a continuous unrealized loss position at the dates indicated (in thousands):
	30-Sep-13
		(Less than 12 months)								(12 months or longer)						Total
	Description of	Number of		Fair			Unrealized			Number of		Fair		Unrealized		Number of	Fair		Unrealized
	securities	investment		Value			losses			investments		value		losses		investments	value		losses
	U.S. Government	13		$	13,285		$	396		-		$	-	$	-	13	$	13,285	$	396
	and agency
	obligations
	Corporate bonds	7			3,023			70		-			-		-	7		3,023		70
	State and municipal	33			11,139			464		1			475		33	34		11,614		497
	obligations
	Collateralized
	debt obligations	-			-			-		1			1,004		928	1		1,004		928
	Mortgage-backed	9			7,047			264		-					-	9		7,047		264
	securities and
	other
	Total temporarily	62		$	34,494		$	1,194		2		$	1,479	$	961	64	$	35,973	$	2,155
	impaired
	securities
	31-Dec-12
		(Less than 12 months)								(12 months or longer)						Total
	Description of	Number of		Fair			Unrealized			Number of		Fair		Unrealized		Number of	Fair		Unrealized
	securities	investment		value			losses			investments		value		losses		investments	value		losses
	U.S. Government	3		$	3,649		$	18		-		$	-	$	-	3	$	3,649	$	18
	and agency
	obligations
	Corporate bonds	1			501			2		-			-		-	1		501		2
	State and municipal	5			1,630			31		-			-		-	5		1,630		31
	obligations
	Mortgage-backed	6			4,065			29		-			-		-	6		4,065		29
	securities and
	other
	Total temporarily	15		$	9,845		$	80		-		$	-	$	-	15	$	9,845	$	80
	impaired
	securities
Amortized cost and estimated fair value of all debt securities	'
	The amortized cost and estimated fair value of all debt securities at September 30, 2013, by contractual maturity, are shown below.  Actual maturities may differ from contractual maturities because issuers may have the right to call or prepay obligations.  Mortgage-backed securities are shown separately since they are not due at a single maturity date (in thousands).
		Available-for-sale						Held-to-maturity
		Amortized			Fair			Amortized			Fair
		Cost			Value			Cost			Value
	Due in one year or less	$	1,041		$	1,048		$	-		$	-
	Due after one to five years		8,256			8,320			-			-
	Due after five to ten years		24,156			23,836			-			-
	Due after ten years		12,197			10,946			-			-
	Mortgage-backed and related securities		36,439			36,921			-			-
	Total	$	82,089		$	81,071		$	-		$	-

LOANS_Tables

LOANS (Tables)	9 Months Ended
	Sep. 30, 2013
Receivables [Abstract]	'
Loans	'
	The following table presents major classifications of loans at the dates indicated (in thousands):
		September 30,		December 31,
		2013		2012
	Commercial and industrial	$	122,687	$	112,300
	Commercial real estate		109,933		111,417
	Residential real estate and home equity		93,349		72,137
	Consumer and credit card		32,169		21,620
	Subtotal		358,138		317,474
	Add: Net deferred loan origination fees		152		30
	Total loans receivable	$	358,290	$	317,504

CREDIT_QUALITY_Tables

CREDIT QUALITY (Tables)	9 Months Ended
	Sep. 30, 2013
Credit Quality [Abstract]	'
Allowance for Credit Losses	'
	The following tables summarize activity in the allowance for loan losses for the periods indicated (in thousands):
	For the Three Months Ended September 30, 2013:
		Consumer and			Commercial and			Commercial			Residential		Total
		Credit Card			Industrial			Real Estate			Real Estate and
											Home Equity
	Beginning balance:	$	368		$	1,572		$	4,363		$	200	$	6,503
	Chargeoffs		-83			-6			-5			-52		-146
	Recoveries		82			5			20			7		114
	Provision		8			-101			9			84		-
	Ending balance:	$	375		$	1,470		$	4,387		$	239	$	6,471
	For the Nine Months Ended September 30, 2013:
		Consumer and			Commercial and			Commercial			Residential		Total
		Credit Card			Industrial			Real Estate			Real Estate and
											Home Equity
	Beginning balance:	$	365		$	1,620		$	4,692		$	204	$	6,881
	Chargeoffs		-219			-85			-135			-141		-580
	Recoveries		192			780			43			45		1,060
	Provision		37			-845			-213			131		-890
	Ending balance:	$	375		$	1,470		$	4,387		$	239	$	6,471
	For the Three Months Ended September 30, 2012:
		Consumer and			Commercial			Commercial			Residential		Total
		Credit Card			and Industrial			Real Estate			Real Estate and
											Home Equity
	Beginning balance:	$	373		$	2,132		$	6,436		$	207	$	9,148
	Chargeoffs		-82			-833			-250			-43		-1,209
	Recoveries		51			62			29			4		146
	Provision		30			777			-783			41		66
	Ending balance:	$	372		$	2,138		$	5,432		$	209	$	8,151
	For the Nine Months Ended September 30, 2012:
		Consumer and			Commercial			Commercial			Residential		Total
		Credit Card			and Industrial			Real Estate			Real Estate and
											Home Equity
	Beginning balance:	$	425		$	1,952		$	6,916		$	291	$	9,584
	Chargeoffs		-294			-981			-1,323			-62		-2,660
	Recoveries		162			213			42			15		432
	Provision		79			954			-203			-35		795
	Ending balance:	$	372		$	2,138		$	5,432		$	209	$	8,151
Recorded investment, unpaid balance and related allowance	'
	The following table presents information related to the recorded investment, unpaid balance and related allowance on impaired loans at the dates indicated (in thousands):
	At September 30, 2013
		Recorded			Unpaid			Related			9 Months		9 Months		3 Months		3 Months
		Investment			Principal			Allowance			Average		Interest		Average		Interest
					Balance						Recorded		Income		Recorded		Income
											Investment		Recognized		Investment		Recognized
	With No Related Allowance
	Recorded
	Consumer and Credit Card	$	-		$	-		$	-		$	-	$	-	$	-	$	-
	Commercial and Industrial		2,658			2,735			-			3,420		81		3,198		26
	Commercial Real Estate		10,790			12,833			-			9,839		498		11,075		166
	Residential RE and Home Equity		-			-			-			-		-		-		-
	With Allowance Recorded
	Consumer and Credit Card		-			-			-			-		-		-		-
	Commercial and Industrial		2,928			2,572			609			2,349		71		3,132		24
	Commercial Real Estate		10,190			10,609			2,537			10,947		265		9,256		103
	Residential RE and Home Equity		-			-			-			-		-		-		-
	Total
	Consumer and Credit Card	$	-		$	-		$	-		$	-	$	-	$	-	$	-
	Commercial and Industrial		5,586			5,307			609			5,769		152		6,330		50
	Commercial Real Estate		20,980			23,442			2,537			20,786		763		20,331		269
	Residential RE and Home Equity		-			-			-			-		-		-		-
	Total	$	26,566		$	28,749		$	3,146		$	26,555	$	915	$	26,661	$	319
	At December 31, 2012
		Recorded			Unpaid			Related			Average		Interest
		Investment			Principal			Allowance			Recorded		Income
					Balance						Investment		Recognized
	With No Related Allowance
	Recorded
	Consumer and Credit Card	$	-		$	-		$	-		$	-	$	-
	Commercial and Industrial		4,288			4,437			-			3,557		268
	Commercial Real Estate		5,507			5,998			-			10,067		241
	Residential RE and Home Equity		-			-			-			-		-
	With Allowance Recorded
	Consumer and Credit Card		-			-			-			-		-
	Commercial and Industrial		1,183			1,248			340			6,208		65
	Commercial Real Estate		16,376			20,008			3,400			15,965		820
	Residential RE and Home Equity		-			-			-			-		-
	Total
	Consumer and Credit Card	$	-		$	-		$	-		$	-	$	-
	Commercial and Industrial		5,471			5,685			340			9,765		333
	Commercial Real Estate		21,883			26,006			3,400			26,032		1,061
	Residential RE and Home Equity		-			-			-			-		-
	Total	$	27,354		$	31,691		$	3,740		$	35,797	$	1,394
Allocation Of The Allowance For Loan Losses	'
	The allocation of the allowance for loan losses summarized on the basis of the Company’s impairment methodology was as follows at the dates indicated (in thousands):
	At September 30, 2013:
		Consumer and			Commercial and			Commercial			Residential		Total
		Credit Card			Industrial			Real Estate			Real Estate and
											Home Equity
	Individually evaluated for impairment	$	-		$	609		$	2,537		$	-	$	3,146
	Collectively evaluated for impairment		375			861			1,850			239		3,325
	Ending balance:	$	375		$	1,470		$	4,387		$	239	$	6,471
	At December 31, 2012:
		Consumer and			Commercial and			Commercial			Residential		Total
		Credit Card			Industrial			Real Estate			Real Estate and
											Home Equity
	Individually evaluated for impairment	$	-		$	340		$	3,400		$	-	$	3,740
	Collectively evaluated for impairment		365			1,280			1,292			204		3,141
	Ending balance:	$	365		$	1,620		$	4,692		$	204	$	6,881
Recorded Investment In Loans	'
	The recorded investment in loans summarized on the basis of the Company’s impairment methodology at the dates indicated was as follows (in thousands):
	As of September 30, 2013:
		Consumer and			Commercial and			Commercial			Residential		Total
		Credit Card			Industrial			Real Estate			Real Estate and
											Home Equity
	Loans:
	Individually evaluated for impairment	$	-		$	5,586		$	20,980		$	-	$	26,566
	Collectively evaluated for impairment		32,169			117,101			88,953			93,349		331,572
	Ending balance:	$	32,169		$	122,687		$	109,933		$	93,349	$	358,138
	As of December 31, 2012:
		Consumer and			Commercial and			Commercial			Residential		Total
		Credit Card			Industrial			Real Estate			Real Estate and
											Home Equity
	Loans:
	Individually evaluated for impairment	$	-		$	5,471		$	21,883		$	-	$	27,354
	Collectively evaluated for impairment		21,620			106,829			89,534			72,137		290,120
	Ending balance:	$	21,620		$	112,300		$	111,417		$	72,137	$	317,474
Loans on nonaccrual status	'
	The following table summarizes loans on nonaccrual status at the dates indicated (in thousands):
		September 30,			December 31,
		2013			2012
	Consumer and credit card	$	-		$	-
	Commercial and industrial		1,765			2,815
	Commercial real estate		3,529			2,195
	Residential real estate and home equity		257			321
	Total	$	5,551		$	5,331
Credit Quality Indicators	'
	The following table presents as of the dates indicated and based on the most recent analysis performed, the recorded investment by risk category of loans (in thousands):
	At September 30, 2013:
	Category	Commercial			Commercial
		and Industrial			Real Estate
	Pass - 1 through 4	$	105,435		$	82,212
	Vulnerable – 5		9,021			8,826
	Substandard – 6		8,231			18,895
	Doubtful – 7		-			-
	Loss – 8		-			-
	Total	$	122,687		$	109,933
	At December 31, 2012:
	Category	Commercial and			Commercial
		Industrial			Real Estate
	Pass-1-4	$	90,516		$	76,708
	Vulnerable-5		12,240			12,289
	Substandard-6		9,544			22,420
	Doubtful-7		-			-
	Loss-8		-			-
	Total	$	112,300		$	111,417
Consumer risk	'
	The following table presents the recorded investment in consumer and residential real estate loans based on payment activity as of the dates indicated (in thousands):
	At September 30, 2013
	Payment Category	Consumer and			Residential
		Credit Card			Real Estate and
					Home Equity
	Performing	$	32,169		$	93,051
	Nonperforming		-			298
	Total	$	32,169		$	93,349
	At December 31, 2012
	Payment Category	Consumer and			Residential
		Credit Card			Real Estate and
					Home Equity
	Performing	$	21,592		$	71,816
	Non-Performing		28			321
	Total	$	21,620		$	72,137
Age Analysis of Past Due Loans	'
	The following table presents the aging of past due loans aged at the date indicated (in thousands):
	At September 30, 2013:
	Category	30-59 Days			60-89			Greater			Total		Current		Loans		Recorded
		Past Due			Days			than 90			Past Due						Investment
					Past			Days Past									> 90 days
					Due			Due									and
																	Accruing
	Consumer and credit card	$	53		$	103		$	-		$	156	$	32,013	$	32,169	$	-
	Commercial and industrial		17			-			1,049			1,066		121,621		122,687		47
	Commercial real estate		-			-			2,711			2,711		107,222		109,933		-
	Residential real estate and		78			198			298			574		92,775		93,349		40
	home equity
	Total	$	168		$	412		$	4,058		$	4,507	$	353,631	$	358,138	$	87
	At December 31, 2012:
	Category	30-59 Days			60-89			Greater			Total		Current		Total Loans		Recorded
		Past Due			Days Past			than 90			Past Due						Investment >
					Due			Days Past									90 days and
								Due									Accruing
	Consumer and Credit Card	$	37		$	101		$	28		$	166	$	21,454	$	21,620	$	28
	Commercial and Industrial		20			-			26			46		112,254		112,300		-
	Commercial Real Estate		538			114			2,195			2,847		108,570		111,417		-
	Residential Real Estate and		444			289			321			1,054		71,083		72,137		-
	Home Equity
	Total	$	1,039		$	504		$	2,570		$	4,113	$	313,361	$	317,474	$	28
Troubled Debt Restructurings	'
	Information regarding troubled debt restructuring (“TDR”) loans for the three and nine month periods ended September 30, 2013 and 2012 is as follows:
		Three Months Ended
		September 30, 2013					September 30, 2012
		Number of		Recorded Investment			Number of		Recorded Investment
		Contracts		(as of period end)			Contracts		(as of period end)
	Consumer and credit card	-		$	-		2		$	11
	Commercial and industrial	-			-		-			-
	Commercial real estate	-			-		-			-
	Residential real estate and home equity	-			-		-			-
	Total	-		$	-		2		$	11
		Nine Months Ended
		September 30, 2013					September 30, 2012
		Number of		Recorded Investment			Number of		Recorded Investment
		Contracts		(as of period end)			Contracts		(as of period end)
	Consumer and credit card	-		$	-		6		$	56
	Commercial and industrial	1			61		-			-
	Commercial real estate	5			3,552		2			2,803
	Residential real estate and home equity	-			-		-			-
	Total	6		$	3,613		8		$	2,859
	The following presents by class loans modified in a TDR from January 1, 2012 through September 30, 2013 that subsequently defaulted (i.e. 60 days or more past due following a modification) during the three and nine month periods ended September 30, 2013.
	TDRs that defaulted during the period, within twelve months of their modification date:
		Three Months Ended
		September 30, 2013					September 30, 2012
		Number of		Recorded Investment			Number of		Recorded Investment
		Contracts		as of period end (1)			Contracts		as of period end (1)
	Consumer and credit card	-		$	-		-		$	-
	Commercial and industrial	-			-		-			-
	Commercial real estate	3			163		1			1,110
	Residential real estate and home equity	-			-		-			-
	Total	3		$	163		1		$	1,110
	(1)   Period end balances are inclusive of all partial pay downs and chargeoffs since the modification date. Loans modified in a TDR that were fully paid down, charged off, or foreclosed upon by period end are not reported.
		Nine Months Ended
		September 30, 2013					September 30, 2012
		Number of		Recorded Investment			Number of		Recorded Investment
		Contracts		as of period end (1)			Contracts		as of period end (1)
	Consumer and credit card	-		$	-		-		$	-
	Commercial and industrial	-			-		-			-
	Commercial real estate	3			163		1			1,110
	Residential real estate and home equity	-			-		-			-
	Total	3		$	163		1		$	1,110
	(1)   Period end balances are inclusive of all partial pay downs and chargeoffs since the modification date. Loans modified in a TDR that were fully paid down, charged off, or foreclosed upon by period end are not reported.

FAIR_VALUE_MEASUREMENTS_Tables

FAIR VALUE MEASUREMENTS (Tables)	9 Months Ended
	Sep. 30, 2013
Fair Value Disclosures [Abstract]	'
Carrying amount and estimated fair values of financial instruments	'
	Based on the foregoing methods and assumptions, the carrying value and fair value of the Company’s financial instruments are as follows (in thousands):
	At September 30, 2013:
		Carrying		Fair Value		Level 1		Level 2		Level 3
		Amount
	Financial assets
	Cash and cash equivalents	$	34,782	$	34,782	$	34,782	$	-	$	-
	Securities available-for-sale		81,071		81,071		-		80,067		1,004
	Securities held-to-maturity		-		-		-		-		-
	Loans (net of allowance)		351,819		343,306		-		-		343,306
	FHLB stock		3,799		3,799		-		3,799		-
	Accrued interest receivable		1,537		1,537		-		-		1,537
	Financial liabilities
	Noninterest-bearing deposits	$	103,762	$	103,762	$	-	$	103,762	$	-
	Interest-bearing deposits		347,303		347,591		-		347,591		-
	FHLB advances		5,140		5,140		-		5,140		-
	Accrued interest payable		138		138		-		-		138
	At December 31, 2012:
		Carrying		Fair Value		Level 1		Level 2		Level 3
		Amount
	Financial assets
	Cash and cash equivalents	$	63,307	$	63,307	$	63,307	$	-	$	-
	Securities available-for-sale		87,197		87,197		-		87,197		-
	Securities held-to-maturity		1,149		2,090		-		-		2,090
	Loans (net of allowance)		310,623		307,729		-		-		307,729
	FHLB stock		3,799		3,799		-		3,799		-
	Accrued interest receivable		1,287		1,287		-		-		1,287
	Financial liabilities
	Noninterest-bearing deposits	$	95,847	$	95,847	$	-	$	95,847	$	-
	Interest-bearing deposits		352,443		352,759		-		352,759		-
	FHLB advances		7,498		7,498		-		7,498		-
	Accrued interest payable		208		208		-		-		208
Fair value measurements of assets recurring basis	'
	The following table presents the fair value measurements of assets recognized in the accompanying balance sheets measured at fair value on a recurring basis and the level within the fair value hierarchy in which the fair value measurements fall at September 30, 2013 and December 31, 2012:
	30-Sep-13
				Fair Value Measurements Using
				Quoted Prices
				in Active		Significant
				Markets for		Other		Significant
				Identical		Observable		Unobservable
				Assets		Inputs		Inputs
		Fair Value		(Level 1)		(Level 2)		(Level 3)
	U.S. Government and agency obligations	$	16,406	$	-	$	16,406	$	-
	State and municipal obligations		20,557		-		20,557		-
	Collateralized debt obligations		1,004		-		-		1,004
	Corporate bonds		6,183		-		6,183		-
	Mortgage-backed securities and other		36,921		-		36,921		-
	Total	$	81,071	$	-	$	80,067	$	1,004
	31-Dec-12
				Fair Value Measurements Using
				Quoted Prices
				in Active		Significant
				Markets for		Other		Significant
				Identical		Observable		Unobservable
				Assets		Inputs		Inputs
		Fair Value		(Level 1)		(Level 2)		(Level 3)
	U.S. Government and agency obligations	$	16,937	$	-	$	16,937	$	-
	State and municipal obligations		20,761		-		20,761		-
	Corporate bonds		5,165		-		5,165		-
	Mortgage-backed securities and other		44,334		-		44,334		-
	Total	$	87,197	$	-	$	87,197	$	-
Fair value measurements of assets nonrecurring basis	'
	The following table presents the fair value measurements of assets measured at fair value on a nonrecurring basis and the level within the fair value hierarchy in which the fair value measurements fall at September 30, 2013 and December 31, 2012.
	30-Sep-13
				Fair Value Measurements Using
				Quoted Prices
				in Active		Significant
				Markets for		Other		Significant
				Identical		Observable		Unobservable
		Fair		Assets		Inputs		Inputs
		Value		(Level 1)		(Level 2)		(Level 3)
	Impaired loans	$	10,035	$	-	$	-	$	10,035
	Real estate owned		1,291		-		-		1,291
	31-Dec-12
				Fair Value Measurements Using
				Quoted Prices
				in Active		Significant
				Markets for		Other		Significant
				Identical		Observable		Unobservable
		Fair		Assets		Inputs		Inputs
		Value		(Level 1)		(Level 2)		(Level 3)
	Collateralized debt obligations	$	2,090	$	-	$	-	$	2,090
	Impaired loans		23,370		-		-		23,370
	Real estate owned		3,671		-		-		3,671

STOCK_BASED_COMPENSATION_Table

STOCK BASED COMPENSATION (Tables)	9 Months Ended
	Sep. 30, 2013
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]	'
Summary of the status of the Corporation's stock option plan	'
	A summary of the status of the Company’s equity compensation plan as of and for the nine months ended September 30, 2013, and changes during the periods then ended are presented below:
			Weighted		Weighted	Aggregate
			Average Exercise		Average Remaining	Intrinsic
		Shares	Price		Contractual Life	Value
	Outstanding at beginning of year	261,098	$	10.38	6.9 years
	Granted	13,889		5.4	9.6 years
	Exercised	-2,936		3.5	—
	Forfeited	-20,651		13.98	—
	Outstanding at end of period	251,400	$	9.89	6.7 years	$	187
	Options exercisable at period end	117,891	$	16.09	4.9 years	$	52
	Weighted-average fair value of options granted during the nine months ended September 30, 2013		$	1.77
	Weighted-average fair value of options granted during the year ended December 31, 2012		$	2.13
Stock options outstanding	'
	The following information applies to options outstanding at September 30, 2013:
	Number Outstanding	Range Of Exercise Prices
	157,547	$3.50 - $5.40
	22,202	$7.50 - $9.00
	25,612	$14.15 - $16.90
	46,039	$23.00 - $31.00

BASIS_OF_PRESENTATION_AND_SUMM3

BASIS OF PRESENTATION AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Details)	3 Months Ended		9 Months Ended
	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
Weighted-average shares for basic and diluted earnings per share	'	'	'	'
Weighted-average common shares outstanding (basic)	7,192,350	3,717,385	7,192,350	3,717,385
Dilutive effect of assumed exercise of stock options	0	22,309	34,020	17,795
Weighted-average common shares outstanding (diluted)	7,192,350	3,739,694	7,226,370	3,735,180

BASIS_OF_PRESENTATION_AND_SUMM4

BASIS OF PRESENTATION AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Details Textual) (USD $)	9 Months Ended
	Sep. 30, 2013	Sep. 30, 2012	Dec. 31, 2012
Summary of Significant Accounting Policies (Textual) [Abstract]	'	'	'
Options to purchase of common stock	251,400	194,707	261,098
Number Of Shares Included In Computation Of Common Shares Equivalents	143,658	83,965	'
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Period Increase (Decrease), Weighted Average Exercise Price	$9.89	$12.65	'

SECURITIES_Details

SECURITIES (Details) (USD $)	9 Months Ended	12 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Dec. 31, 2012
Fair values of securities available-for-sale	'	'
Adjusted Amortized Costs	$82,089	$85,208
Gross Unrealized Gains	1,137	2,069
Gross Unrealized Losses	2,155	80
Fair Value	81,071	87,197
Collateralized Debt Obligations [Member]	'	'
Fair values of securities available-for-sale	'	'
Adjusted Amortized Costs	1,932	'
Gross Unrealized Gains	0	'
Gross Unrealized Losses	928	'
Fair Value	1,004	'
U.S. Government and agency obligations [Member]	'	'
Fair values of securities available-for-sale	'	'
Adjusted Amortized Costs	16,793	16,821
Gross Unrealized Gains	9	134
Gross Unrealized Losses	396	18
Fair Value	16,406	16,937
Corporate bonds [Member]	'	'
Fair values of securities available-for-sale	'	'
Adjusted Amortized Costs	6,202	5,081
Gross Unrealized Gains	51	86
Gross Unrealized Losses	70	2
Fair Value	6,183	5,165
States and municipal obligations [Member]	'	'
Fair values of securities available-for-sale	'	'
Adjusted Amortized Costs	20,723	19,874
Gross Unrealized Gains	331	918
Gross Unrealized Losses	497	31
Fair Value	20,557	20,761
Mortgage-backed securities [Member]	'	'
Fair values of securities available-for-sale	'	'
Adjusted Amortized Costs	36,439	43,432
Gross Unrealized Gains	746	931
Gross Unrealized Losses	264	29
Fair Value	$36,921	$44,334

SECURITIES_Details_1

SECURITIES (Details 1) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified		Collateralized debt obligations [Member]
Fair values of securities held-to-maturity	'	'
Adjusted Amortized Cost	'	$1,149
Gross Unrealized Gains	'	941
Held-to-maturity, Fair Value, Total	$0	$2,090

SECURITIES_Details_2

SECURITIES (Details 2) (USD $)	9 Months Ended	12 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Dec. 31, 2012
Unrealized loss	'	'
Number of investments	64	15
Fair value	$35,973	$9,845
Unrealized losses	2,155	80
Collateralized debt obligations [Member]	'	'
Unrealized loss	'	'
Number of investments	1	'
Fair value	1,004	'
Unrealized losses	928	'
Less than 12 months [Member]	'	'
Unrealized loss	'	'
Number of investments	62	15
Fair value	34,494	9,845
Unrealized losses	1,194	80
Less than 12 months [Member] | Collateralized debt obligations [Member]	'	'
Unrealized loss	'	'
Number of investments	0	'
Fair value	0	'
Unrealized losses	0	'
12 months or longer [Member]	'	'
Unrealized loss	'	'
Number of investments	2	0
Fair value	1,479	0
Unrealized losses	961	0
12 months or longer [Member] | Collateralized debt obligations [Member]	'	'
Unrealized loss	'	'
Number of investments	1	'
Fair value	1,004	'
Unrealized losses	928	'
U.S. Government and agency obligations [Member]	'	'
Unrealized loss	'	'
Number of investments	13	3
Fair value	13,285	3,649
Unrealized losses	396	18
U.S. Government and agency obligations [Member] | Less than 12 months [Member]	'	'
Unrealized loss	'	'
Number of investments	13	3
Fair value	13,285	3,649
Unrealized losses	396	18
U.S. Government and agency obligations [Member] | 12 months or longer [Member]	'	'
Unrealized loss	'	'
Number of investments	0	0
Fair value	0	0
Unrealized losses	0	0
Corporate bonds [Member]	'	'
Unrealized loss	'	'
Number of investments	7	1
Fair value	3,023	501
Unrealized losses	70	2
Corporate bonds [Member] | Less than 12 months [Member]	'	'
Unrealized loss	'	'
Number of investments	7	1
Fair value	3,023	501
Unrealized losses	70	2
Corporate bonds [Member] | 12 months or longer [Member]	'	'
Unrealized loss	'	'
Number of investments	0	0
Fair value	0	0
Unrealized losses	0	0
State and municipal obligations [Member]	'	'
Unrealized loss	'	'
Number of investments	34	5
Fair value	11,614	1,630
Unrealized losses	497	31
State and municipal obligations [Member] | Less than 12 months [Member]	'	'
Unrealized loss	'	'
Number of investments	33	5
Fair value	11,139	1,630
Unrealized losses	464	31
State and municipal obligations [Member] | 12 months or longer [Member]	'	'
Unrealized loss	'	'
Number of investments	1	0
Fair value	475	0
Unrealized losses	33	0
Mortgage-backed securities and other [Member]	'	'
Unrealized loss	'	'
Number of investments	9	6
Fair value	7,047	4,065
Unrealized losses	264	29
Mortgage-backed securities and other [Member] | Less than 12 months [Member]	'	'
Unrealized loss	'	'
Number of investments	9	6
Fair value	7,047	4,065
Unrealized losses	264	29
Mortgage-backed securities and other [Member] | 12 months or longer [Member]	'	'
Unrealized loss	'	'
Number of investments	0	0
Fair value	'	0
Unrealized losses	$0	$0

SECURITIES_Details_3

SECURITIES (Details 3) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Amortized cost and estimated fair value of all debt securities	'	'
Available-for-sale, Amortized Cost, Due in one year or less	$1,041	'
Available-for-sale, Amortized Cost, Due after one to five years	8,256	'
Available-for-sale, Amortized Cost, Due after five to ten years	24,156	'
Available-for-sale, Amortized Cost, Due after ten years	12,197	'
Available-for-sale, Amortized Cost, Mortgage-backed and related securities	36,439	'
Available-for-sale, Amortized Cost, Total	82,089	'
Available-for-sale, Fair Value, Due in one year or less	1,048	'
Available-for-sale, Fair Value, Due after one to five years	8,320	'
Available-for-sale, Fair Value, Due after five to ten years	23,836	'
Available-for-sale, Fair Value, Fair value, Due after ten years	10,946	'
Available-for-sale, Fair Value, Mortgage-backed and related securities	36,921	'
Available-for-sale, Fair Value, Total	81,071	'
Held-to-maturity, Amortized Cost, Due in one year or less	0	'
Held-to-maturity, Amortized Cost, Due after one to five years	0	'
Held-to-maturity, Amortized Cost, Due after five to ten years	0	'
Held-to-maturity, Amortized Cost, Due after ten years	0	'
Held-to-maturity, Amortized Cost, Mortgage-backed and related securities	0	'
Held-to-maturity, Amortized Cost, Total	0	1,149
Held-to-maturity, Fair Value, Due in one year or less	0	'
Held-to-maturity, Fair Value, Due after one to five years	0	'
Held-to-maturity, Fair Value, Due after five to ten years	0	'
Held-to-maturity, Fair Value, Due after ten years	0	'
Held-to-maturity, Fair Value, Mortgage-backed and related securities	0	'
Held-to-maturity, Fair Value, Total	$0	'

SECURITIES_Details_Textual

SECURITIES (Details Textual) (USD $)	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012	Dec. 31, 2012
Securities (Textual) [Abstract]	'	'	'	'	'
Unrealized loss on investments in collateralized debt obligations	'	'	$8,000,000	'	'
Holdings of securities, issuer other than shareholders equity	'	'	10.00%	'	'
Available-for-sale Securities, Gross Unrealized Gain, Total	'	'	1,137,000	'	2,069,000
Available-for-sale Securities, Gross Realized Gains	0	0	135,000	508,000	'
Collateralized debt obligations [Member]	'	'	'	'	'
Securities (Textual) [Abstract]	'	'	'	'	'
Fair value securities, deposits and other obligation	70,900,000	'	70,900,000	'	'
Proceeds from Sale of Available-for-sale Securities, Total	'	'	$2,600,000	'	'

LOANS_Details

LOANS (Details) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Loans	'	'
Commercial and industrial	$122,687	$112,300
Commercial real estate	109,933	111,417
Residential real estate and home equity	93,349	72,137
Consumer and credit card	32,169	21,620
Financing Receivable, Recorded Investment, Subtotal	358,138	317,474
Add: Net deferred loan origination fees	152	30
Total loans receivable	$358,290	$317,504

CREDIT_QUALITY_Details

CREDIT QUALITY (Details) (USD $)	3 Months Ended		9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
Allowance for credit losses	'	'	'	'
Beginning balance:	$6,503	$9,148	$6,881	$9,584
Chargeoffs	-146	-1,209	-580	-2,660
Recoveries	114	146	1,060	432
Provision	0	66	-890	795
Ending balance:	6,471	8,151	6,471	8,151
Consumer and Credit Card [Member]	'	'	'	'
Allowance for credit losses	'	'	'	'
Beginning balance:	368	373	365	425
Chargeoffs	-83	-82	-219	-294
Recoveries	82	51	192	162
Provision	8	30	37	79
Ending balance:	375	372	375	372
Commercial and Industrial [Member]	'	'	'	'
Allowance for credit losses	'	'	'	'
Beginning balance:	1,572	2,132	1,620	1,952
Chargeoffs	-6	-833	-85	-981
Recoveries	5	62	780	213
Provision	-101	777	-845	954
Ending balance:	1,470	2,138	1,470	2,138
Commercial Real Estate [Member]	'	'	'	'
Allowance for credit losses	'	'	'	'
Beginning balance:	4,363	6,436	4,692	6,916
Chargeoffs	-5	-250	-135	-1,323
Recoveries	20	29	43	42
Provision	9	-783	-213	-203
Ending balance:	4,387	5,432	4,387	5,432
Residential Real Estate and Home Equity [Member]	'	'	'	'
Allowance for credit losses	'	'	'	'
Beginning balance:	200	207	204	291
Chargeoffs	-52	-43	-141	-62
Recoveries	7	4	45	15
Provision	84	41	131	-35
Ending balance:	$239	$209	$239	$209

CREDIT_QUALITY_Details_1

CREDIT QUALITY (Details 1) (USD $)	3 Months Ended	9 Months Ended	12 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2013	Dec. 31, 2012
Impaired Loans	'	'	'
Recorded Investment	$26,566	$26,566	$27,354
Unpaid Principal Balance	28,749	28,749	31,691
Related Allowance	3,146	3,146	3,740
Average Recorded Investment	26,661	26,555	35,797
Interest Income Recognized	319	915	1,394
Consumer and Credit Card [Member]	'	'	'
Impaired Loans	'	'	'
Recorded Investment	0	0	0
Unpaid Principal Balance	0	0	0
Related Allowance	0	0	0
Average Recorded Investment	0	0	0
Interest Income Recognized	0	0	0
Commercial and Industrial [Member]	'	'	'
Impaired Loans	'	'	'
Recorded Investment	5,586	5,586	5,471
Unpaid Principal Balance	5,307	5,307	5,685
Related Allowance	609	609	340
Average Recorded Investment	6,330	5,769	9,765
Interest Income Recognized	50	152	333
Commercial Real Estate [Member]	'	'	'
Impaired Loans	'	'	'
Recorded Investment	20,980	20,980	21,883
Unpaid Principal Balance	23,442	23,442	26,006
Related Allowance	2,537	2,537	3,400
Average Recorded Investment	20,331	20,786	26,032
Interest Income Recognized	269	763	1,061
Residential RE and Home Equity [Member]	'	'	'
Impaired Loans	'	'	'
Recorded Investment	0	0	0
Unpaid Principal Balance	0	0	0
Related Allowance	0	0	0
Average Recorded Investment	0	0	0
Interest Income Recognized	0	0	0
With No Related Allowance Recorded [Member] | Consumer and Credit Card [Member]	'	'	'
Impaired Loans	'	'	'
Recorded Investment	0	0	0
Unpaid Principal Balance	0	0	0
Related Allowance	0	0	0
Average Recorded Investment	0	0	0
Interest Income Recognized	0	0	0
With No Related Allowance Recorded [Member] | Commercial and Industrial [Member]	'	'	'
Impaired Loans	'	'	'
Recorded Investment	2,658	2,658	4,288
Unpaid Principal Balance	2,735	2,735	4,437
Related Allowance	0	0	0
Average Recorded Investment	3,198	3,420	3,557
Interest Income Recognized	26	81	268
With No Related Allowance Recorded [Member] | Commercial Real Estate [Member]	'	'	'
Impaired Loans	'	'	'
Recorded Investment	10,790	10,790	5,507
Unpaid Principal Balance	12,833	12,833	5,998
Related Allowance	0	0	0
Average Recorded Investment	11,075	9,839	10,067
Interest Income Recognized	166	498	241
With No Related Allowance Recorded [Member] | Residential RE and Home Equity [Member]	'	'	'
Impaired Loans	'	'	'
Recorded Investment	0	0	0
Unpaid Principal Balance	0	0	0
Related Allowance	0	0	0
Average Recorded Investment	0	0	0
Interest Income Recognized	0	0	0
With Allowance Recorded [Member] | Consumer and Credit Card [Member]	'	'	'
Impaired Loans	'	'	'
Recorded Investment	0	0	0
Unpaid Principal Balance	0	0	0
Related Allowance	0	0	0
Average Recorded Investment	0	0	0
Interest Income Recognized	0	0	0
With Allowance Recorded [Member] | Commercial and Industrial [Member]	'	'	'
Impaired Loans	'	'	'
Recorded Investment	2,928	2,928	1,183
Unpaid Principal Balance	2,572	2,572	1,248
Related Allowance	609	609	340
Average Recorded Investment	3,132	2,349	6,208
Interest Income Recognized	24	71	65
With Allowance Recorded [Member] | Commercial Real Estate [Member]	'	'	'
Impaired Loans	'	'	'
Recorded Investment	10,190	10,190	16,376
Unpaid Principal Balance	10,609	10,609	20,008
Related Allowance	2,537	2,537	3,400
Average Recorded Investment	9,256	10,947	15,965
Interest Income Recognized	103	265	820
With Allowance Recorded [Member] | Residential RE and Home Equity [Member]	'	'	'
Impaired Loans	'	'	'
Recorded Investment	0	0	0
Unpaid Principal Balance	0	0	0
Related Allowance	0	0	0
Average Recorded Investment	0	0	0
Interest Income Recognized	$0	$0	$0

CREDIT_QUALITY_Details_2

CREDIT QUALITY (Details 2) (USD $)	Sep. 30, 2013	Jun. 30, 2013	Dec. 31, 2012	Sep. 30, 2012	Jun. 30, 2012	Dec. 31, 2011
In Thousands, unless otherwise specified
Individually evaluated for impairment	$3,146	'	$3,740	'	'	'
Collectively evaluated for impairment	3,325	'	3,141	'	'	'
Ending balance:	6,471	6,503	6,881	8,151	9,148	9,584
Loans	'	'	'	'	'	'
Individually evaluated for impairment	26,566	'	27,354	'	'	'
Collectively evaluated for impairment	331,572	'	290,120	'	'	'
Ending balance:	358,138	'	317,474	'	'	'
Consumer and Credit Card [Member]	'	'	'	'	'	'
Individually evaluated for impairment	0	'	0	'	'	'
Collectively evaluated for impairment	375	'	365	'	'	'
Ending balance:	375	368	365	372	373	425
Loans	'	'	'	'	'	'
Individually evaluated for impairment	0	'	0	'	'	'
Collectively evaluated for impairment	32,169	'	21,620	'	'	'
Ending balance:	32,169	'	21,620	'	'	'
Commercial and Industrial [Member]	'	'	'	'	'	'
Individually evaluated for impairment	609	'	340	'	'	'
Collectively evaluated for impairment	861	'	1,280	'	'	'
Ending balance:	1,470	1,572	1,620	2,138	2,132	1,952
Loans	'	'	'	'	'	'
Individually evaluated for impairment	5,586	'	5,471	'	'	'
Collectively evaluated for impairment	117,101	'	106,829	'	'	'
Ending balance:	122,687	'	112,300	'	'	'
Commercial Real Estate [Member]	'	'	'	'	'	'
Individually evaluated for impairment	2,537	'	3,400	'	'	'
Collectively evaluated for impairment	1,850	'	1,292	'	'	'
Ending balance:	4,387	4,363	4,692	5,432	6,436	6,916
Loans	'	'	'	'	'	'
Individually evaluated for impairment	20,980	'	21,883	'	'	'
Collectively evaluated for impairment	88,953	'	89,534	'	'	'
Ending balance:	109,933	'	111,417	'	'	'
Residential Real Estate and Home Equity [Member]	'	'	'	'	'	'
Individually evaluated for impairment	0	'	0	'	'	'
Collectively evaluated for impairment	239	'	204	'	'	'
Ending balance:	239	200	204	209	207	291
Loans	'	'	'	'	'	'
Individually evaluated for impairment	0	'	0	'	'	'
Collectively evaluated for impairment	93,349	'	72,137	'	'	'
Ending balance:	$93,349	'	$72,137	'	'	'

CREDIT_QUALITY_Details_3

CREDIT QUALITY (Details 3) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Financing receivables on nonaccrual status	'	'
Financing receivables on nonaccrual status	$5,551	$5,331
Consumer and credit card [Member]	'	'
Financing receivables on nonaccrual status	'	'
Financing receivables on nonaccrual status	0	0
Commercial and industrial [Member]	'	'
Financing receivables on nonaccrual status	'	'
Financing receivables on nonaccrual status	1,765	2,815
Commercial real estate [Member]	'	'
Financing receivables on nonaccrual status	'	'
Financing receivables on nonaccrual status	3,529	2,195
Residential Real Estate and Home Equity [Member]	'	'
Financing receivables on nonaccrual status	'	'
Financing receivables on nonaccrual status	$257	$321

CREDIT_QUALITY_Details_4

CREDIT QUALITY (Details 4) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Credit Quality Indicators	'	'
Loans	$358,290	$317,504
Commercial and Industrial [Member]	'	'
Credit Quality Indicators	'	'
Loans	122,687	112,300
Commercial and Industrial [Member] | Pass - 1 through 4 [Member]	'	'
Credit Quality Indicators	'	'
Loans	105,435	90,516
Commercial and Industrial [Member] | Vulnerable-5 [Member]	'	'
Credit Quality Indicators	'	'
Loans	9,021	12,240
Commercial and Industrial [Member] | Substandard-6 [Member]	'	'
Credit Quality Indicators	'	'
Loans	8,231	9,544
Commercial and Industrial [Member] | Doubtful-7 [Member]	'	'
Credit Quality Indicators	'	'
Loans	0	0
Commercial and Industrial [Member] | Loss-8 [Member]	'	'
Credit Quality Indicators	'	'
Loans	0	0
Commercial Real Estate [Member]	'	'
Credit Quality Indicators	'	'
Loans	109,933	111,417
Commercial Real Estate [Member] | Pass - 1 through 4 [Member]	'	'
Credit Quality Indicators	'	'
Loans	82,212	76,708
Commercial Real Estate [Member] | Vulnerable-5 [Member]	'	'
Credit Quality Indicators	'	'
Loans	8,826	12,289
Commercial Real Estate [Member] | Substandard-6 [Member]	'	'
Credit Quality Indicators	'	'
Loans	18,895	22,420
Commercial Real Estate [Member] | Doubtful-7 [Member]	'	'
Credit Quality Indicators	'	'
Loans	0	0
Commercial Real Estate [Member] | Loss-8 [Member]	'	'
Credit Quality Indicators	'	'
Loans	$0	$0

CREDIT_QUALITY_Details_5

CREDIT QUALITY (Details 5) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Consumer Risk	'	'
Consumer risk based on payment activity	$358,290	$317,504
Consumer and Credit Card [Member]	'	'
Consumer Risk	'	'
Consumer risk based on payment activity	32,169	21,620
Consumer and Credit Card [Member] | Performing [Member]	'	'
Consumer Risk	'	'
Consumer risk based on payment activity	32,169	21,592
Consumer and Credit Card [Member] | Non-Performing [Member]	'	'
Consumer Risk	'	'
Consumer risk based on payment activity	0	28
Residential Real Estate and Home Equity [Member]	'	'
Consumer Risk	'	'
Consumer risk based on payment activity	93,349	72,137
Residential Real Estate and Home Equity [Member] | Performing [Member]	'	'
Consumer Risk	'	'
Consumer risk based on payment activity	93,051	71,816
Residential Real Estate and Home Equity [Member] | Non-Performing [Member]	'	'
Consumer Risk	'	'
Consumer risk based on payment activity	$298	$321

CREDIT_QUALITY_Details_6

CREDIT QUALITY (Details 6) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Age analysis of past due loans	'	'
Financing Receivable, Recorded Investment, 30 to 59 Days Past Due	$168	$1,039
Financing Receivable, Recorded Investment, 60 to 89 Days Past Due	412	504
Financing Receivable, Recorded Investment, Greater than 90 Days Past Due	4,058	2,570
Financing Receivable, Recorded Investment, Past Due, Total	4,507	4,113
Financing Receivable, Recorded Investment, Current	353,631	313,361
Financing Receivable, Recorded Investment, Subtotal	358,138	317,474
Recorded Investment greater than 90 days and Accruing	87	28
Consumer and Credit Card [Member]	'	'
Age analysis of past due loans	'	'
Financing Receivable, Recorded Investment, 30 to 59 Days Past Due	53	37
Financing Receivable, Recorded Investment, 60 to 89 Days Past Due	103	101
Financing Receivable, Recorded Investment, Greater than 90 Days Past Due	0	28
Financing Receivable, Recorded Investment, Past Due, Total	156	166
Financing Receivable, Recorded Investment, Current	32,013	21,454
Financing Receivable, Recorded Investment, Subtotal	32,169	21,620
Recorded Investment greater than 90 days and Accruing	0	28
Commercial and Industrial [Member]	'	'
Age analysis of past due loans	'	'
Financing Receivable, Recorded Investment, 30 to 59 Days Past Due	17	20
Financing Receivable, Recorded Investment, 60 to 89 Days Past Due	0	0
Financing Receivable, Recorded Investment, Greater than 90 Days Past Due	1,049	26
Financing Receivable, Recorded Investment, Past Due, Total	1,066	46
Financing Receivable, Recorded Investment, Current	121,621	112,254
Financing Receivable, Recorded Investment, Subtotal	122,687	112,300
Recorded Investment greater than 90 days and Accruing	47	0
Commercial Real Estate [Member]	'	'
Age analysis of past due loans	'	'
Financing Receivable, Recorded Investment, 30 to 59 Days Past Due	0	538
Financing Receivable, Recorded Investment, 60 to 89 Days Past Due	0	114
Financing Receivable, Recorded Investment, Greater than 90 Days Past Due	2,711	2,195
Financing Receivable, Recorded Investment, Past Due, Total	2,711	2,847
Financing Receivable, Recorded Investment, Current	107,222	108,570
Financing Receivable, Recorded Investment, Subtotal	109,933	111,417
Recorded Investment greater than 90 days and Accruing	0	0
Residential Real Estate and Home Equity [Member]	'	'
Age analysis of past due loans	'	'
Financing Receivable, Recorded Investment, 30 to 59 Days Past Due	78	444
Financing Receivable, Recorded Investment, 60 to 89 Days Past Due	198	289
Financing Receivable, Recorded Investment, Greater than 90 Days Past Due	298	321
Financing Receivable, Recorded Investment, Past Due, Total	574	1,054
Financing Receivable, Recorded Investment, Current	92,775	71,083
Financing Receivable, Recorded Investment, Subtotal	93,349	72,137
Recorded Investment greater than 90 days and Accruing	$40	$0

CREDIT_QUALITY_Details_7

CREDIT QUALITY (Details 7) (USD $)	3 Months Ended				9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013		Sep. 30, 2012		Sep. 30, 2013		Sep. 30, 2012
Troubled Debt Restructurings	'		'		'		'
Number of Contracts	0		2		6		8
Recorded Investment	$0		$11		$3,613		$2,859
Number of Contracts modified	3		1		3		1
Recorded Investment modified	163	[1]	1,110	[1]	163	[1]	1,110	[1]
Consumer and Credit Card [Member]	'		'		'		'
Troubled Debt Restructurings	'		'		'		'
Number of Contracts	0		2		0		6
Recorded Investment	0		11		0		56
Number of Contracts modified	0		0		0		0
Recorded Investment modified	0	[1]	0	[1]	0	[1]	0	[1]
Commercial and Industrial [Member]	'		'		'		'
Troubled Debt Restructurings	'		'		'		'
Number of Contracts	0		0		1		0
Recorded Investment	0		0		61		0
Number of Contracts modified	0		0		0		0
Recorded Investment modified	0	[1]	0	[1]	0	[1]	0	[1]
Commercial Real Estate [Member]	'		'		'		'
Troubled Debt Restructurings	'		'		'		'
Number of Contracts	0		0		5		2
Recorded Investment	0		0		3,552		2,803
Number of Contracts modified	3		1		3		1
Recorded Investment modified	163	[1]	1,110	[1]	163	[1]	1,110	[1]
Residential Real Estate and Home Equity [Member]	'		'		'		'
Troubled Debt Restructurings	'		'		'		'
Number of Contracts	0		0		0		0
Recorded Investment	0		0		0		0
Number of Contracts modified	0		0		0		0
Recorded Investment modified	$0	[1]	$0	[1]	$0	[1]	$0	[1]
[1]	Period end balances are inclusive of all partial pay downs and chargeoffs since the modification date. Loans modified in a TDR that were fully paid down, charged off, or foreclosed upon by period end are not reported.

FAIR_VALUE_MEASUREMENTS_Detail

FAIR VALUE MEASUREMENTS (Details) (USD $)	Sep. 30, 2013	Dec. 31, 2012	Sep. 30, 2012	Dec. 31, 2011
In Thousands, unless otherwise specified
Financial assets	'	'	'	'
Cash and cash equivalents, Carrying amount	$34,782	$63,307	$48,157	$39,314
Securities available-for-sale, Carrying amount	81,071	87,197	'	'
Securities held-to-maturity , Carrying amount	0	1,149	'	'
Securities held-to-maturity, Fair Value	0	'	'	'
Loans (net of allowance), Carrying amount	351,819	310,623	'	'
FHLB stock, Carrying amount	3,799	3,799	'	'
Financial liabilities	'	'	'	'
Noninterest-bearing deposits, Carrying amount	103,762	95,847	'	'
Interest-bearing deposits, Carrying amount	347,303	352,443	'	'
FHLB advances, Carrying amount	5,140	7,498	'	'
Level 1 [Member]	'	'	'	'
Financial assets	'	'	'	'
Cash and cash equivalents, Fair value	34,782	63,307	'	'
Securities available-for-sale, Fair value	0	0	'	'
Securities held-to-maturity, Fair Value	0	0	'	'
Loans (net of allowance), Fair value	'	0	'	'
FHLB stock, Fair value	'	0	'	'
Accrued interest receivable, Fair value	'	0	'	'
Financial liabilities	'	'	'	'
Noninterest-bearing deposits, Fair value	'	0	'	'
Interest-bearing deposits, Fair value	'	0	'	'
FHLB advances, Fair value	'	0	'	'
Accrued interest payable, Fair value	'	0	'	'
Level 2 [Member]	'	'	'	'
Financial assets	'	'	'	'
Cash and cash equivalents, Fair value	0	0	'	'
Securities available-for-sale, Fair value	80,067	87,197	'	'
Securities held-to-maturity, Fair Value	0	0	'	'
Loans (net of allowance), Fair value	'	0	'	'
FHLB stock, Fair value	3,799	3,799	'	'
Accrued interest receivable, Fair value	'	0	'	'
Financial liabilities	'	'	'	'
Noninterest-bearing deposits, Fair value	103,762	95,847	'	'
Interest-bearing deposits, Fair value	347,591	352,759	'	'
FHLB advances, Fair value	5,140	7,498	'	'
Accrued interest payable, Fair value	'	0	'	'
Level 3 [Member]	'	'	'	'
Financial assets	'	'	'	'
Cash and cash equivalents, Fair value	0	0	'	'
Securities available-for-sale, Fair value	1,004	0	'	'
Securities held-to-maturity, Fair Value	0	2,090	'	'
Loans (net of allowance), Fair value	343,306	307,729	'	'
FHLB stock, Fair value	'	0	'	'
Accrued interest receivable, Fair value	1,537	1,287	'	'
Financial liabilities	'	'	'	'
Noninterest-bearing deposits, Fair value	'	0	'	'
Interest-bearing deposits, Fair value	'	0	'	'
FHLB advances, Fair value	'	0	'	'
Accrued interest payable, Fair value	138	208	'	'
Carrying amount [Member]	'	'	'	'
Financial assets	'	'	'	'
Cash and cash equivalents, Carrying amount	34,782	63,307	'	'
Securities available-for-sale, Carrying amount	81,071	87,197	'	'
Securities held-to-maturity , Carrying amount	0	1,149	'	'
Loans (net of allowance), Carrying amount	351,819	'	'	'
Loans (net of allowance), Fair value	'	310,623	'	'
FHLB stock, Carrying amount	3,799	3,799	'	'
Accrued interest receivable, Carrying amount	1,537	1,287	'	'
Financial liabilities	'	'	'	'
Noninterest-bearing deposits, Carrying amount	103,762	95,847	'	'
Interest-bearing deposits, Carrying amount	347,303	352,443	'	'
FHLB advances, Carrying amount	5,140	7,498	'	'
Accrued interest payable, Carrying Amount	138	208	'	'
Fair value [Member]	'	'	'	'
Financial assets	'	'	'	'
Cash and cash equivalents, Fair value	34,782	63,307	'	'
Securities available-for-sale, Fair value	81,071	87,197	'	'
Securities held-to-maturity, Fair Value	0	2,090	'	'
Loans (net of allowance), Fair value	343,306	307,729	'	'
FHLB stock, Fair value	3,799	3,799	'	'
Accrued interest receivable, Fair value	1,537	1,287	'	'
Financial liabilities	'	'	'	'
Noninterest-bearing deposits, Fair value	103,762	95,847	'	'
Interest-bearing deposits, Fair value	347,591	352,759	'	'
FHLB advances, Fair value	5,140	7,498	'	'
Accrued interest payable, Fair value	$138	$208	'	'

FAIR_VALUE_MEASUREMENTS_Detail1

FAIR VALUE MEASUREMENTS (Details 1) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Fair value measurements of assets recurring basis	'	'
Securities available-for-sale	$81,071	$87,197
Collateralized Debt Obligations [Member]	'	'
Fair value measurements of assets recurring basis	'	'
Securities available-for-sale	1,004	'
State and municipal obligations [Member]	'	'
Fair value measurements of assets recurring basis	'	'
Securities available-for-sale	20,557	20,761
Corporate bonds [Member]	'	'
Fair value measurements of assets recurring basis	'	'
Securities available-for-sale	6,183	5,165
Mortgage-backed securities and other [Member]	'	'
Fair value measurements of assets recurring basis	'	'
Securities available-for-sale	36,921	44,334
Fair Value, Measurements, Recurring [Member]	'	'
Fair value measurements of assets recurring basis	'	'
Securities available-for-sale	81,071	87,197
Fair Value, Measurements, Recurring [Member] | Collateralized Debt Obligations [Member]	'	'
Fair value measurements of assets recurring basis	'	'
Securities available-for-sale	1,004	'
Fair Value, Measurements, Recurring [Member] | U.S. Government and agency obligations [Member]	'	'
Fair value measurements of assets recurring basis	'	'
Securities available-for-sale	16,406	16,937
Fair Value, Measurements, Recurring [Member] | State and municipal obligations [Member]	'	'
Fair value measurements of assets recurring basis	'	'
Securities available-for-sale	20,557	20,761
Fair Value, Measurements, Recurring [Member] | Corporate bonds [Member]	'	'
Fair value measurements of assets recurring basis	'	'
Securities available-for-sale	6,183	5,165
Fair Value, Measurements, Recurring [Member] | Mortgage-backed securities and other [Member]	'	'
Fair value measurements of assets recurring basis	'	'
Securities available-for-sale	36,921	44,334
Fair Value, Measurements, Recurring [Member] | Quoted Prices in Active Markets for Identical Assets, Level 1 [Member]	'	'
Fair value measurements of assets recurring basis	'	'
Securities available-for-sale	0	0
Fair Value, Measurements, Recurring [Member] | Quoted Prices in Active Markets for Identical Assets, Level 1 [Member] | Collateralized Debt Obligations [Member]	'	'
Fair value measurements of assets recurring basis	'	'
Securities available-for-sale	0	'
Fair Value, Measurements, Recurring [Member] | Quoted Prices in Active Markets for Identical Assets, Level 1 [Member] | U.S. Government and agency obligations [Member]	'	'
Fair value measurements of assets recurring basis	'	'
Securities available-for-sale	0	0
Fair Value, Measurements, Recurring [Member] | Quoted Prices in Active Markets for Identical Assets, Level 1 [Member] | State and municipal obligations [Member]	'	'
Fair value measurements of assets recurring basis	'	'
Securities available-for-sale	0	0
Fair Value, Measurements, Recurring [Member] | Quoted Prices in Active Markets for Identical Assets, Level 1 [Member] | Corporate bonds [Member]	'	'
Fair value measurements of assets recurring basis	'	'
Securities available-for-sale	0	0
Fair Value, Measurements, Recurring [Member] | Quoted Prices in Active Markets for Identical Assets, Level 1 [Member] | Mortgage-backed securities and other [Member]	'	'
Fair value measurements of assets recurring basis	'	'
Securities available-for-sale	0	0
Fair Value, Measurements, Recurring [Member] | Significant Other Observable Inputs, Level 2 [Member]	'	'
Fair value measurements of assets recurring basis	'	'
Securities available-for-sale	80,067	87,197
Fair Value, Measurements, Recurring [Member] | Significant Other Observable Inputs, Level 2 [Member] | Collateralized Debt Obligations [Member]	'	'
Fair value measurements of assets recurring basis	'	'
Securities available-for-sale	0	'
Fair Value, Measurements, Recurring [Member] | Significant Other Observable Inputs, Level 2 [Member] | U.S. Government and agency obligations [Member]	'	'
Fair value measurements of assets recurring basis	'	'
Securities available-for-sale	16,406	16,937
Fair Value, Measurements, Recurring [Member] | Significant Other Observable Inputs, Level 2 [Member] | State and municipal obligations [Member]	'	'
Fair value measurements of assets recurring basis	'	'
Securities available-for-sale	20,557	20,761
Fair Value, Measurements, Recurring [Member] | Significant Other Observable Inputs, Level 2 [Member] | Corporate bonds [Member]	'	'
Fair value measurements of assets recurring basis	'	'
Securities available-for-sale	6,183	5,165
Fair Value, Measurements, Recurring [Member] | Significant Other Observable Inputs, Level 2 [Member] | Mortgage-backed securities and other [Member]	'	'
Fair value measurements of assets recurring basis	'	'
Securities available-for-sale	36,921	44,334
Fair Value, Measurements, Recurring [Member] | Significant Unobservable Inputs, Level 3 [Member]	'	'
Fair value measurements of assets recurring basis	'	'
Securities available-for-sale	1,004	0
Fair Value, Measurements, Recurring [Member] | Significant Unobservable Inputs, Level 3 [Member] | Collateralized Debt Obligations [Member]	'	'
Fair value measurements of assets recurring basis	'	'
Securities available-for-sale	1,004	'
Fair Value, Measurements, Recurring [Member] | Significant Unobservable Inputs, Level 3 [Member] | U.S. Government and agency obligations [Member]	'	'
Fair value measurements of assets recurring basis	'	'
Securities available-for-sale	0	0
Fair Value, Measurements, Recurring [Member] | Significant Unobservable Inputs, Level 3 [Member] | State and municipal obligations [Member]	'	'
Fair value measurements of assets recurring basis	'	'
Securities available-for-sale	0	0
Fair Value, Measurements, Recurring [Member] | Significant Unobservable Inputs, Level 3 [Member] | Corporate bonds [Member]	'	'
Fair value measurements of assets recurring basis	'	'
Securities available-for-sale	0	0
Fair Value, Measurements, Recurring [Member] | Significant Unobservable Inputs, Level 3 [Member] | Mortgage-backed securities and other [Member]	'	'
Fair value measurements of assets recurring basis	'	'
Securities available-for-sale	$0	$0

FAIR_VALUE_MEASUREMENTS_Detail2

FAIR VALUE MEASUREMENTS (Details 2) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Fair value measurements of assets nonrecurring basis	'	'
Securities held-to-maturity, Fair Value	$0	'
Quoted Prices in Active Markets for Identical Assets, Level 1 [Member]	'	'
Fair value measurements of assets nonrecurring basis	'	'
Securities held-to-maturity, Fair Value	0	0
Significant Other Observable Inputs, Level 2 [Member]	'	'
Fair value measurements of assets nonrecurring basis	'	'
Securities held-to-maturity, Fair Value	0	0
Significant Unobservable Inputs, Level 3 [Member]	'	'
Fair value measurements of assets nonrecurring basis	'	'
Securities held-to-maturity, Fair Value	0	2,090
Collateralized debt obligations [Member]	'	'
Fair value measurements of assets nonrecurring basis	'	'
Securities held-to-maturity, Fair Value	'	2,090
Collateralized debt obligations [Member] | Fair Value, Measurements, Nonrecurring [Member]	'	'
Fair value measurements of assets nonrecurring basis	'	'
Securities held-to-maturity, Fair Value	'	2,090
Collateralized debt obligations [Member] | Fair Value, Measurements, Nonrecurring [Member] | Quoted Prices in Active Markets for Identical Assets, Level 1 [Member]	'	'
Fair value measurements of assets nonrecurring basis	'	'
Securities held-to-maturity, Fair Value	'	0
Collateralized debt obligations [Member] | Fair Value, Measurements, Nonrecurring [Member] | Significant Other Observable Inputs, Level 2 [Member]	'	'
Fair value measurements of assets nonrecurring basis	'	'
Securities held-to-maturity, Fair Value	'	0
Collateralized debt obligations [Member] | Fair Value, Measurements, Nonrecurring [Member] | Significant Unobservable Inputs, Level 3 [Member]	'	'
Fair value measurements of assets nonrecurring basis	'	'
Securities held-to-maturity, Fair Value	'	2,090
Impaired loans [Member] | Fair Value, Measurements, Nonrecurring [Member]	'	'
Fair value measurements of assets nonrecurring basis	'	'
Securities held-to-maturity, Fair Value	10,035	23,370
Impaired loans [Member] | Fair Value, Measurements, Nonrecurring [Member] | Quoted Prices in Active Markets for Identical Assets, Level 1 [Member]	'	'
Fair value measurements of assets nonrecurring basis	'	'
Securities held-to-maturity, Fair Value	'	0
Impaired loans [Member] | Fair Value, Measurements, Nonrecurring [Member] | Significant Other Observable Inputs, Level 2 [Member]	'	'
Fair value measurements of assets nonrecurring basis	'	'
Securities held-to-maturity, Fair Value	'	0
Impaired loans [Member] | Fair Value, Measurements, Nonrecurring [Member] | Significant Unobservable Inputs, Level 3 [Member]	'	'
Fair value measurements of assets nonrecurring basis	'	'
Securities held-to-maturity, Fair Value	10,035	23,370
Real estate owned [Member] | Fair Value, Measurements, Nonrecurring [Member]	'	'
Fair value measurements of assets nonrecurring basis	'	'
Securities held-to-maturity, Fair Value	1,291	3,671
Real estate owned [Member] | Fair Value, Measurements, Nonrecurring [Member] | Quoted Prices in Active Markets for Identical Assets, Level 1 [Member]	'	'
Fair value measurements of assets nonrecurring basis	'	'
Securities held-to-maturity, Fair Value	0	0
Real estate owned [Member] | Fair Value, Measurements, Nonrecurring [Member] | Significant Other Observable Inputs, Level 2 [Member]	'	'
Fair value measurements of assets nonrecurring basis	'	'
Securities held-to-maturity, Fair Value	0	0
Real estate owned [Member] | Fair Value, Measurements, Nonrecurring [Member] | Significant Unobservable Inputs, Level 3 [Member]	'	'
Fair value measurements of assets nonrecurring basis	'	'
Securities held-to-maturity, Fair Value	$1,291	$3,671

STOCK_BASED_COMPENSATION_Detai

STOCK BASED COMPENSATION (Details) (USD $)	9 Months Ended	12 Months Ended
In Thousands, except Share data, unless otherwise specified	Sep. 30, 2013	Dec. 31, 2012	Sep. 30, 2012
Summary of stock option plan	'	'	'
Outstanding at beginning of year, Shares	261,098	'	194,707
Outstanding at beginning of year, Weighted Average Exercise Price	$10.38	'	'
Outstanding at beginning of year, Weighted Average Remaining Contractual Life	'6 years 10 months 24 days	'	'
Granted, shares	13,889	'	'
Granted, Weighted Average Exercise Price	$5.40	'	'
Granted, Weighted Average Remaining Contractual Life	'9 years 7 months 6 days	'	'
Exercised, Shares	-2,936	'	'
Exercised, Weighted Average Exercise Price	$3.50	'	'
Forfeited, Shares	-20,651	'	'
Forfeited, Weighted Average Exercise Price	$13.98	'	'
Outstanding at end of period, Shares	251,400	261,098	194,707
Outstanding at end of period, Weighted Average Exercise Price	$9.89	$10.38	'
Outstanding at end of period, Weighted Average Remaining Contractual Life	'6 years 8 months 12 days	'	'
Options exercisable at period end, Shares	117,891	'	'
Options exercisable at period end, Weighted Average Exercise Price	$16.09	'	'
Options exercisable at period end, Weighted Average Remaining Contractual Life	'4 years 10 months 24 days	'	'
Outstanding at Ending of year, Aggregate Intrinsic Value	$187	'	'
Option exercisable at period end, Aggregate Intrinsic value	$52	'	'
Weighted-average fair value of options granted	$1.77	$2.13	'

STOCK_BASED_COMPENSATION_Detai1

STOCK BASED COMPENSATION (Details 1) (USD $)	9 Months Ended
	Sep. 30, 2013
Range One [Member]	'
Stock options outstanding	'
Number Outstanding	157,547
Exercise Prices, Lower Range	$3.50
Exercise Prices, Higher Range	$5.40
Range Two [Member]	'
Stock options outstanding	'
Number Outstanding	22,202
Exercise Prices, Lower Range	$7.50
Exercise Prices, Higher Range	$9
Range Three [Member]	'
Stock options outstanding	'
Number Outstanding	25,612
Exercise Prices, Lower Range	$14.15
Exercise Prices, Higher Range	$16.90
Range Four [Member]	'
Stock options outstanding	'
Number Outstanding	46,039
Exercise Prices, Lower Range	$23
Exercise Prices, Higher Range	$31

STOCK_BASED_COMPENSATION_Detai2

STOCK BASED COMPENSATION (Details Textual) (USD $)	3 Months Ended		9 Months Ended
	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
Stock Based Compensation (Textual) [Abstract]	'	'	'	'
Employee share option plan	300,000	'	300,000	'
Unvested equity-based awards based on their grant-date fair value	$60,000	$79,000	$135,000	$22,000
Expected common stock price volatility	'	'	30.00%	'
Employee share option plan granted	'	'	20.00%	'
Expected dividend yield	'	'	0.00%	'
Expected life	'	'	'8 years	'
Unrecognized compensation expense to be recognized over the remaining life of outstanding options	$168,000	'	$168,000	'
Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested, Number of Shares	'	'	117,891	'