DCB Financial (DCBF) Inactive 10-K15 Apr 142013 FY Annual reportFinancial data

Company Profile

Document_And_Entity_Informatio

Document And Entity Information (USD $)	12 Months Ended
Document And Entity Information (USD $)	Dec. 31, 2013	Apr. 11, 2014	Jun. 30, 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-K	'	'
Amendment Flag	'false	'	'
Document Period End Date	31-Dec-13	'	'
Document Fiscal Year Focus	'2013	'	'
Document Fiscal Period Focus	'FY	'	'
Entity Well-known Seasoned Issuer	'No	'	'
Entity Voluntary Filers	'No	'	'
Entity Current Reporting Status	'Yes	'	'
Entity Public Float	'	'	$31,262,575

Consolidated_Balance_Sheets

Consolidated Balance Sheets (USD $)	Dec. 31, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Assets	'	'
Cash and due from financial institutions	$6,110	$9,663
Interest-bearing deposits	19,247	53,644
Total cash and cash equivalents	25,357	63,307
Securities available-for-sale	79,948	87,197
Securities held-to-maturity	0	1,149
Total securities	79,948	88,346
Loans	356,048	317,504
Less allowance for loan losses	-6,724	-6,881
Net loans	349,324	310,623
Loans held for sale	7,806	0
Real estate owned	1,219	3,671
Investment in FHLB stock	3,799	3,799
Premises and equipment, net	10,641	12,036
Premises and equipment held for sale	1,405	0
Bank-owned life insurance	19,297	18,564
Accrued interest receivable and other assets	3,623	6,146
Total assets	502,419	506,492
Liabilities:	'	'
Non-interest bearing	109,622	95,847
Interest bearing	317,237	352,443
Total deposits	426,859	448,290
Deposits held for sale	22,571	0
Federal Home Loan Bank advances	4,838	7,498
Accrued interest payable and other liabilities	2,887	2,315
Total liabilities	457,155	458,103
Stockholdersâ€™ equity:	'	'
Common stock, no par value 7,500,000 shares authorized and issued at December 31, 2013 and 2012	15,771	15,771
Retained earnings	37,683	40,614
Treasury stock, at cost, 307,650 shares at December 31, 2013 and 2012	-7,416	-7,416
Accumulated other comprehensive loss	-774	-580
Total stockholders' equity	45,264	48,389
Total liabilities and stockholders' equity	$502,419	$506,492

Consolidated_Balance_Sheets_Pa

Consolidated Balance Sheets [Parenthetical]	Dec. 31, 2013	Dec. 31, 2012
Common stock, shares authorized	7,500,000	7,500,000
Common stock, shares issued	7,500,000	7,500,000
Treasury stock, shares	307,650	307,650

Consolidated_Statements_of_Ope

Consolidated Statements of Operations (USD $)	12 Months Ended
In Thousands, except Share data, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Interest income:	'	'
Loans	$14,928	$16,343
Securities	2,064	2,407
Federal funds sold and interest bearing deposits	87	98
Total interest income	17,079	18,848
Interest expense:	'	'
Savings and money market accounts	474	380
Time accounts	989	1,894
NOW accounts	91	77
Total	1,554	2,351
FHLB advances	264	887
Total interest expense	1,818	3,238
Net interest income	15,261	15,610
Provision for loan losses	2,417	495
Net interest income after provision for loan losses	12,844	15,115
Non-interest income:	'	'
Service charges	2,195	2,601
Wealth management fees	1,418	1,073
Treasury management fees	244	257
Income from bank-owned life insurance	733	742
Gain (loss) on the sale of REO	31	-396
Gain on the sale of securities	135	508
Other non-interest income	211	239
Total non-interest income	4,967	5,024
Non-interest expense:	'	'
Salaries and employee benefits	11,287	9,538
Occupancy and equipment	3,069	2,908
Professional services	1,791	1,311
Advertising	293	396
Office supplies, postage and courier	481	411
FDIC insurance premium	699	1,149
State franchise taxes	478	421
Other non-interest expense	2,942	3,472
Total non-interest expense	21,040	19,606
(Loss) income before income tax benefit	-3,229	533
Income tax benefit	-298	-69
Net (loss) income	($2,931)	$602
Share and Per Share Data	'	'
Basic average common shares outstanding (in shares)	7,192,350	3,902,196
Diluted average common shares outstanding (in shares)	7,192,350	3,919,080
Basic and diluted (loss) earnings per common share (in dollars per share)	($0.41)	$0.15

CONSOLIDATED_STATEMENTS_OF_COM

CONSOLIDATED STATEMENTS OF COMPREHENSIVE (LOSS) INCOME (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Net (loss) income	($2,931)	$602
Other comprehensive (loss) income:	'	'
Reclassification of previously recognized noncredit other than temporary impairment on sale of security, net of taxes of $512	995	0
Net unrealized (losses) gains on securities available-for-sale, net of related taxes of $(755) and $206 in 2013 and 2012, respectively	-1,482	400
Reclassification adjustment for losses recognized in income statement, net of related taxes of $(2) and $(173) in 2013 and 2012, respectively	-3	-335
Unrealized gains on securities transferred to available-for-sale, net of related taxes of $131	254	0
Amortization of unrealized losses on held-to-maturity securities, net of taxes of $28 and $47 in 2013 and 2012, respectively	42	92
Total other comprehensive (loss) income	-194	157
Comprehensive (loss) income	($3,125)	$759

CONSOLIDATED_STATEMENTS_OF_COM1

CONSOLIDATED STATEMENTS OF COMPREHENSIVE (LOSS) INCOME [Parenthetical] (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 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, Held-to-maturity Securities	-755	206
Other than Temporary Impairment Losses, Investments, Portion in Other Comprehensive Loss, Tax, Portion Attributable to Parent, Available-for-sale Securities	-2	173
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	$28	$47

CONSOLIDATED_STATEMENTS_OF_CHA

CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY (USD $)	Total	Common Stock [Member]	Retained Earnings [Member]	Treasury Stock [Member]	Accumulated Other Comprehensive Income (Loss) [Member]
In Thousands	Total	Common Stock [Member]	Retained Earnings [Member]	Treasury Stock [Member]	Accumulated Other Comprehensive Income (Loss) [Member]
Balance at Dec. 31, 2011	$34,699	$3,785	$45,145	($13,494)	($737)
Net income (loss)	602	0	602	0	0
Other comprehensive income/loss	157	0	0	0	157
Issuance of 3,226,091 shares of common stock	11,986	11,986	0	0	0
Issuance of 248,873 shares of treasury stock	945	0	-5,133	6,078	0
Balance at Dec. 31, 2012	48,389	15,771	40,614	-7,416	-580
Net income (loss)	-2,931	0	-2,931	0	0
Other comprehensive income/loss	-194	0	0	0	-194
Balance at Dec. 31, 2013	$45,264	$15,771	$37,683	($7,416)	($774)

CONSOLIDATED_STATEMENTS_OF_CHA1

CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY [Parenthetical]	12 Months Ended
	Dec. 31, 2013
Sale of common stock	3,226,091
Sale of Treasury Stock	248,873

CONSOLIDATED_STATEMENTS_OF_CAS

CONSOLIDATED STATEMENTS OF CASH FLOWS (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Cash flows from operating activities	'	'
Net (loss) income	($2,931)	$602
Adjustments to reconcile net income (loss) to net cash provided by operating activities	'	'
Depreciation	1,068	991
Provision for loan losses	2,417	495
Deferred income taxes	-298	-80
Gain on sale of securities	-135	-508
(Gain) loss on sale of real estate owned	-31	396
Stock option plan expense	129	-235
Premium amortization on securities, net	1,644	1,371
Earnings on bank owned life insurance	-733	-742
Net changes in other assets and other liabilities	3,260	-151
Net cash provided by operating activities	4,390	2,139
Cash flows from investing activities	'	'
Purchases	-23,564	-54,290
Proceeds from sales	2,560	13,409
Proceeds from maturities, principal payments and calls	27,699	41,032
Net change in loans	-48,983	36,379
Proceeds from sale of real estate owned	2,546	2,926
Proceeds from sale of premises and equipment	0	94
Premises and equipment expenditures	-1,078	-951
Net cash provided by (used in) investing activities	-40,820	38,599
Cash flows from financing activities	'	'
Net change in deposits	1,140	2,862
Net proceeds from sale of company stock	0	12,931
Advances from Federal Home Loan Bank	4,411	0
Repayment of Federal Home Loan Bank advances	-7,071	-32,538
Net cash used in financing activities	-1,520	-16,745
Net change in cash and cash equivalents	-37,950	23,993
Cash and cash equivalents at beginning of year	63,307	39,314
Cash and cash equivalents at end of year	25,357	63,307
Cash paid during the period for:	'	'
Interest on deposits and borrowings	1,914	3,379
Non-cash investing and financing activities	'	'
Transfer of loans to real estate owned	59	2,451
Transfer of loans to held for sale	7,806	0
Transfer of deposits to held for sale	$22,571	$0

SUMMARY_OF_SIGNIFICANT_ACCOUNT

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	12 Months Ended
	Dec. 31, 2013
Accounting Policies [Abstract]	'
Significant Accounting Policies [Text Block]	'
	NOTE 1 – SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES

	Basis of Presentation: The consolidated financial statements include the accounts of DCB Financial Corp (“DCB”) and its wholly-owned subsidiaries, The Delaware County Bank and Trust Company (the “Bank”), DCB Title Services LLC, DCB Insurance Services, Inc., and ORECO (collectively referred to hereinafter as the “Company”). All intercompany transactions and balances have been eliminated in the consolidated financial statements.

	Nature of Operations: The Company provides financial services in Delaware, Franklin, and Union Counties, Ohio, as well as nearby counties, through its 14 banking locations. Its primary deposit products are checking, savings, and term certificate accounts and its primary lending products are residential mortgage, commercial and installment loans. Substantially all loans are secured by specific items of collateral including business assets, consumer assets, and real estate. Commercial loans are expected to be repaid from cash flow from operations of businesses. Real estate loans are secured by both residential and commercial real estate. The Bank also operates a trust department and engages in other personal wealth management activities, including brokerage services and private banking.

	Business Segments: While the Bank’s management monitors the revenue streams of the various products and services, operations are managed and financial performance is evaluated on a Company-wide basis. Accordingly, all of the Bank’s operations are considered by management to be aggregated into one operating segment.

	Use of Estimates: To prepare consolidated financial statements in conformity with accounting principles generally accepted in the United States of America, management makes estimates and assumptions based on available information. These estimates and assumptions affect amounts reported in the financial statements and disclosures provided, and future results could differ. The allowance for loan losses, fair value of financial instruments, determination of other-than-temporary impairment, status of contingencies and deferred tax asset valuation are particularly subject to change.

	Cash and Cash Equivalents: Cash and cash equivalents include cash on hand, federal funds sold and deposits with other financial institutions with original maturities of less than 90 days. Net cash flows are reported for customer loan and deposit transactions, federal funds purchased and other short-term borrowings.

	Securities: Securities are classified as held-to-maturity and carried at adjusted amortized cost when management has the positive intent and ability to hold them to maturity. Securities classified as available-for-sale might be sold before maturity. Securities classified as available-for-sale are carried at fair value, with temporary unrealized holding gains and losses excluded from earnings and reported as a component of other comprehensive income. Realized gains and losses on sale of securities are recognized using the specific identification method. The Company does not engage in securities trading activities. Interest income includes premium amortization and accretion of discounts on securities.

	For securities with unrealized losses, management considers, in determining whether other-than-temporary impairment exists, (1) the length of time and the extent to which the fair value has been less than cost, (2) the financial condition and near-term prospects of the issuer and (3) the intent and ability of the Company to retain its investment in the issuer for a period of time sufficient to allow for any anticipated recovery in fair value.

	For securities with other-than-temporary impairment, further analysis is required to determine the appropriate accounting. If management neither intends to sell the impaired security nor expects it will be required to sell the security prior to recovery, only the credit loss component of the other-than-temporary impairment is recognized in earnings while the non-credit loss is recognized in other comprehensive income. The credit loss component recognized in earnings is identified as the principal cash flows not expected to be received over the remaining term of the security as projected based on cash flow projections.

	Loans (including Loans Held for Sale)
	Loans are classified as held for investment when management has both the intent and ability to hold the loan for the foreseeable future, or until maturity or payoff. Management’s intent and view of the foreseeable future may change based on changes in business strategies, the economic environment, market conditions and the availability of government programs. Loans that are held for investment are reported at the principal balance outstanding, net of unearned interest, unamortized deferred loan fees and costs and the allowance for loan losses. Loans held for sale are carried at the lower of amortized cost or estimated fair value, determined on an aggregate basis for each type of loan. Net unrealized losses are recognized by charges to income.

	Interest income is accrued based on the unpaid principal balance and includes amortization of net deferred loan fees and costs over the loan term. Interest income on mortgage and commercial loans is discontinued at the time the loan is 90 days delinquent unless the credit is well secured and in process of collection. In all cases, loans are placed on nonaccrual or charged-off at an earlier date if collection of principal or interest is considered doubtful. All interest accrued but not received for loans placed on nonaccrual status is reversed against interest income. Interest received on such loans is accounted for on the cash-basis or cost-recovery method, until qualifying for return to accrual. Loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured.

	When loans are transferred from held for investment to held for sale, specific reserves and allocated pooled reserves included in the allowance for loan and losses are reclassified to reduce the basis of the loans to the lower of cost or estimated fair value less cost to sell.

	Allowance for Loan Losses: The allowance for loan losses is a valuation allowance for probable but unconfirmed credit losses, increased by the provision for loan losses and decreased by charge-offs net of recoveries. Loan losses are charged against the allowance when management believes the uncollectibility of a loan balance is confirmed. Subsequent recoveries, if any, are credited to the allowance. Management estimates the required allowance balance based on past loan loss experience, augmented by additional estimates related to the nature and volume of the portfolio, information about specific borrower situations, estimated collateral values, economic conditions and other factors.

	The allowance consists of both specific and general components. The specific component relates to loans that are classified as impaired. For those loans that are classified as impaired, an allowance is established when the collateral value, or value of expected discounted cash flows of the impaired loan is lower than the carrying value of that loan. The general component covers non-classified loans and is based on historical charge-off experience and expected loss given default derived from the Bank’s internal risk rating process. Management utilizes an average of a three year historical loss period. Management has the ability to adjust these loss rates by utilizing risk ratings based on current period trends. If current period trends differ either positively or negatively from the given weighted historical loss rates, adjustments can be made. Other adjustments may be made to the allowance for pools of loans after an assessment of internal or external influences on credit quality that are not fully reflected in the historical loss or risking rating data.

	Management also utilizes its assessment of general economic conditions, and other localized economic data to more fully support its loan loss estimates. General economic data may include: inflation rates, savings rates and national unemployment rates. Local data may include: unemployment rates, housing starts, real estate valuations, and other economic data specific to the Company’s market area. Though not specific to individual loans, these economic trends can have an impact on portfolio performance as a whole.

	Uncollectibility is usually determined based on a pre-determined number of days delinquent in the case of consumer loans, or, in the case of commercial loans, is based on a combination of factors including delinquency, collateral and other legal considerations. Consumer loans are charged-off prior to 120 days of delinquency, but could be charged off earlier, depending on the individual circumstances. Mortgage loans are charged down prior to 180 days of delinquency, but could be charged off sooner, again, depending upon individual circumstance. Typically, loans collateralized by residential real estate are partially charged down to the estimated liquidation value, which is generally based on appraisal less costs to hold and liquidate. Commercial and commercial real estate loans are evaluated for impairment and typically reserved based on the results of the analysis, then subsequently charged down to a recoverable value when loan repayment is deemed to be collateral dependent. Loans can be partially charged down depending on a number of factors including: the remaining strength of the borrower and guarantor; the type and value of the collateral, and the ease of liquidating collateral; and whether or not collateral is brought onto the bank’s balance sheet via repossession. In the case of commercial and commercial real estate loans, charge-offs, partial or whole, take place when management determines that full collectability of principal balance is unlikely to occur. Subsequent recoveries, if any, are credited to the allowance. Management’s policies for determining impairment, reserves and charge-offs are reviewed and approved by the Board of Directors on an annual basis, and were not materially changed in 2013.

	Troubled debt restructuring of loans is undertaken to improve the likelihood that the loan will be repaid in full under the modified terms in accordance with a reasonable repayment schedule. All modified loans are evaluated to determine whether the loans should be reported as a Troubled Debt Restructuring (TDR). A loan is a TDR when the Company, for economic or legal reasons related to the borrower’s financial difficulties, grants a concession to the borrower by modifying or renewing a loan that the Company would not otherwise consider. To make this determination, the Company must determine whether (a) the borrower is experiencing financial difficulties and (b) the Company granted the borrower a concession. This determination requires consideration of all of the facts and circumstances surrounding the modification. An overall general decline in the economy or some deterioration in a borrower’s financial condition does not automatically mean the borrower is experiencing financial difficulties.

	Investment in Federal Home Loan Bank Stock: The Company is required as a condition of membership in the Federal Home Loan Bank of Cincinnati (“FHLB”) to maintain an investment in FHLB common stock. The stock is redeemable at par and, therefore, its cost is equivalent to its redemption value. The Company’s ability to redeem FHLB shares is dependent on the redemption practices of the FHLB. The stock is carried at cost and evaluated for impairment.

	Premises and Equipment: Land is carried at cost. Premises and equipment are stated at cost less accumulated depreciation. Depreciation is computed over the assets’ useful lives, estimated to be five to 39 years for buildings, improvements and leasehold improvements. The Company generally uses three to five years for the useful lives of furniture, fixtures, and equipment, using the straight line method, depending on the nature of the asset. Premises and equipment are reviewed for impairment when events indicate the carrying amount may not be recoverable. Maintenance and repairs are expensed and major improvements are capitalized.

	Foreclosed Assets: Assets acquired through foreclosure are initially recorded at the lower of cost or fair value less expected selling costs. If fair value declines below the recorded amount, a valuation allowance is recorded through expense. The Company generally evaluates fair market values of foreclosed assets on a quarterly basis, and adjusts accordingly. Holding costs after acquisition are expensed as incurred; however, construction costs to improve a property’s value may be capitalized as part of the asset value.


	Servicing Assets: Servicing assets represent the allocated value of retained servicing on loans sold. Servicing assets are expensed in proportion to, and over the period of, estimated net servicing revenues. Impairment is evaluated based on the fair value of the assets, using groupings of the underlying loans as to interest rates, and then secondarily as to geographic and prepayment characteristics. Fair value is determined using prices for similar assets with similar characteristics, when available, or based upon discounted cash flows using market-based assumptions. Any impairment of a grouping is reported as a valuation allowance. Loans serviced for others totaled $2.9 million and $4.6 million at December 31, 2013 and 2012, respectively. The Company had net servicing assets of $5,000 and $11,000 at December 31, 2013 and 2012, respectively.

	Bank Owned Life Insurance: The Company has purchased life insurance policies on certain key executives. Bank owned life insurance is recorded at its cash surrender value.

	Income Taxes: The Company accounts for income taxes in accordance with income tax accounting guidance (ASC 740, Income Taxes). The income tax accounting guidance results in two components of income tax expense: current and deferred. Current income tax expense reflects taxes to be paid or refunded for the current period by applying the provisions of the enacted tax law to the taxable income or excess of deductions over revenues. The Company determines deferred income taxes using the liability (or balance sheet) method. Under this method, the net deferred tax asset or liability is based on the tax effects of the differences between the book and tax basis of assets and liabilities, and enacted changes in tax rates and laws are recognized in the period in which they occur. Deferred tax assets are reduced by a valuation allowance, if, based on the weight of evidence available, it is more likely than not that some portion or all of a deferred tax asset will not be realized.

	Deferred income tax expense results from changes in deferred tax assets and liabilities between periods. Deferred tax assets are recognized if it is more likely than not, based on the technical merits, that the tax position will be realized or sustained upon examination. The term more likely than not means a likelihood of more than 50 percent; the terms examined and upon examination also include resolution of the related appeals or litigation processes, if any. A tax position that meets the more-likely-than-not recognition threshold is initially and subsequently measured as the largest amount of tax benefit that has a greater than 50 percent likelihood of being realized upon settlement with a taxing authority that has full knowledge of all relevant information. The determination of whether or not a tax position has met the more-likely-than-not recognition threshold considers the facts, circumstances and information available at the reporting date and is subject to management’s judgment. The Company recognizes interest and penalties on income taxes, if applicable, as a component of income tax expense. The Company files consolidated income tax returns with its subsidiaries.

	Financial Instruments: Financial instruments include off-balance sheet credit instruments, such as commitments to make loans and standby letters of credit, issued to meet customer financing needs. The face amount for these items represents the exposure to loss, before considering customer collateral or ability to repay. Such financial instruments are recorded when they are funded.

	Earnings (Loss) Per Common Share: Basic earnings (loss) per common share is net income (loss) divided by the weighted-average number of common shares outstanding during the period. Diluted earnings per common share are computed including the dilutive effect of additional potential common shares issuable under stock options. Diluted earnings (loss) per share are not computed for periods in which an operating loss is sustained.

	The computation of earnings (loss) per share is based upon the following weighted-average shares outstanding for the years ended December 31:

		2013	2012
	Weighted-average common shares outstanding (basic)	7,192,350	3,902,196
	Dilutive effect of assumed exercise of stock options	-	16,884
	Weighted-average common shares outstanding (diluted)	7,192,350	3,919,080

	Options to purchase 156,665 shares of common stock on December 31, 2013 were excluded from the computation of diluted earnings per share because of the loss incurred.

Stock-Based Compensation:
The Company has a stock option plan for employees and directors as described in Note 9 (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 these 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 remeasurement 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.

Comprehensive Income (Loss): Comprehensive income (loss) consists of net income (loss) and other comprehensive income (loss), net of applicable income tax effects. Other comprehensive income (loss) includes unrealized appreciation (depreciation) on available-for-sale securities and unrealized appreciation (depreciation) on held-to-maturity securities for which a portion of an other-than-temporary impairment has been recognized in income. Accumulated other comprehensive income consists solely of unrecognized gains and losses on investment securities, net of taxes.

Restrictions on Cash: Other deposits at the Federal Reserve Bank above the clearing balance requirements earn interest at an overnight rate, and are not restricted. In addition, $1.1 million is held in another institution and is under the control of a third party due to a contractual agreement.

Dividend Restrictions: Banking regulations require maintaining certain capital levels and may limit the dividends paid by the Bank to DCB or by DCB to shareholders. Due to limitations imposed by regulators for DCB and the Bank, both entities are required to receive regulatory approval prior to paying dividends.

Fair Value of Financial Instruments: Fair values of financial instruments are estimated using relevant market information and other assumptions, as more fully disclosed in a separate note. Fair value estimates involve uncertainties and matters of significant judgment regarding interest rates, credit risk, prepayments and other factors, especially in the absence of broad markets for particular items. Changes in assumptions or market conditions could significantly affect the estimates.

Advertising and Marketing: Advertising and other marketing costs are expensed as incurred.

Reclassification: Certain amounts in the prior year consolidated financial statements have been reclassified to conform to the 2013 presentation. These reclassifications had no effect on net income for any period presented.

New Accounting Pronouncements: In February 2013, the FASB issued ASU 2013-02, “Reporting of Amounts Reclassified Out of Accumulated Other Comprehensive Income.” This update requires entities to provide information about the amounts reclassified out of accumulated other comprehensive income by component. In addition, entities are required to present, either on the face of the statement where net income is presented or in the notes, significant amounts reclassified out of accumulated other comprehensive income by the respective line items of net income. The Company adopted this standard on January 1, 2013. The effect of adopting this standard increased the Company’s disclosure surrounding reclassification items out of accumulated other comprehensive income.

In January 2014, the FASB issued ASU 2014-04, “Reclassification of Residential Real Estate Collateralized Consumer Mortgage Loans upon Foreclosure.” The objective of the amendments in ASU 2014-04 to Topic 310, “Receivables - Troubled Debt Restructurings by Creditors,” is to reduce diversity by clarifying when an in substance repossession or foreclosure occurs, that is, when a creditor should be considered to have received physical possession of residential real estate property collateralizing a consumer mortgage loan such that the loan receivable should be derecognized and the real estate property recognized. The amendments are effective for fiscal years, and interim periods within those years, beginning after December 31, 2014. An entity can elect to adopt the amendments using either a modified retrospective transition method or a prospective transition method. Early adoption is permitted. The adoption of this guidance is not expected to have a material impact on the Company’s Consolidated Financial Statements.

ASSETS_AND_DEPOSITS_HELD_FOR_S

ASSETS AND DEPOSITS HELD FOR SALE	12 Months Ended
ASSETS AND DEPOSITS HELD FOR SALE	Dec. 31, 2013
Property, Plant and Equipment Assets Held-for-sale Disclosure [Abstract]	'
Property Plant And Equipment Assets Held For Sale [Text Block]	'
	NOTE 2 – ASSETS AND DEPOSITS HELD FOR SALE

	In January, 2014, the Bank entered into an agreement to sell and assign certain assets and assign certain deposit and other liabilities of or associated with its branch office located in Marysville, Ohio. Under the terms of the agreement, all assets will be sold at their carrying value as of the closing date, except for fixed assets, which are being sold for $1.5 million. The premium to be paid on deposits is 2.0%, not to exceed $540,000. The carrying value of the assets to be sold and deposits to be assigned have been classified as held-for-sale at December 31, 2013, and are summarized as follows:

	The following loans attributable to the Marysville branch are included in loans held-for-sale (in thousands):

	Commercial and industrial	$	817
	Residential real estate and home equity		2,378
	Consumer and credit card		2,402
	Total	$	5,597

	The following are included in premises and equipment held-for-sale (in thousands):

	Land	$	633
	Building and improvements		935
	Furniture and fixtures		8
	Subtotal		1,576
	Less: Accumulated depreciation		171
	Total	$	1,405

	The following are included in deposits held for sale (in thousands):

	Non interest-bearing demand	$	3,089
	Interest-bearing demand		9,847
	Money market		2,398
	Savings deposits		2,217
	Time deposits		5,020
	Total	$	22,571

	In addition to the loans transferred to held-for-sale in connection with the branch sale, the Company also transferred 54 homogenous loans secured by single family residential investor properties to held-for-sale as of December 31, 2013. At December 31, 2013 the loans had an aggregate contractual principal balance of $4.2 million, and aggregate allowance for loan loss allocations of $2.0 million. In connection with the transfer to held-for-sale, the Company recorded a provision for loan losses of $946,000 in the fourth quarter. The loans were transferred to held-for-sale, net of the allowance allocations, at their estimated fair value of $2.2 million.

	The Company did not have any assets or deposits classified as held-for-sale at December 31, 2012.

SECURITIES

SECURITIES	12 Months Ended
SECURITIES	Dec. 31, 2013
Investments, Debt and Equity Securities [Abstract]	'
Investments in Debt and Marketable Equity Securities (and Certain Trading Assets) Disclosure [Text Block]	'
	NOTE 3 – SECURITIES

	The amortized cost and estimated fair values of securities available-for-sale as of December 31, 2013 and 2012 were as follows (in thousands):

	As of December 31, 2013:		Amortized			Gross			Gross			Fair
			Costs			Unrealized			Unrealized			Value
						Gains			Losses

	U.S. Government and agency obligations		$	13,714		$	16		$	-428		$	13,302
	Corporate bonds			6,187			42			-61			6,168
	States and municipal obligations			20,651			283			-484			20,450
	Collateralized debt obligations			1,916			-			-940			976
	Mortgage-backed securities			38,652			731			-331			39,052
	Total		$	81,120		$	1,072		$	-2,244		$	79,948

	As of December 31, 2012:		Amortized			Gross			Gross			Fair
			Cost			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 2013, the Company sold one of two collateralized debt obligation securities that was previously classified as held-to-maturity. Proceeds from sale totaled $2.6 million and a gain on sale of $130,000 was recognized from this transaction. In connection with this sale, the Company reclassified the remaining collateralized debt obligation security from held-to-maturity to available-for-sale. At the time of transfer to available-for-sale, the previously recognized non-credit related other than temporary impairment adjusted the amortized cost of the security, resulting in an amortized cost of $1.9 million. At the date of transfer, the security’s fair value was $1.0 million.

	The amortized cost and estimated fair values of securities held-to-maturity as of December 31, 2012 were as follows (in thousands):

			Adjusted			Gross			Estimated
			Amortized			Unrealized			Fair
			Cost			Gains			Value

	Collateralized debt obligations		$	1,149		$	941		$	2,090

	The tables below indicate the length of time individual securities have been in a continuous unrealized loss position at December 31, 2013 and 2012 (in thousands):

	31-Dec-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			securities		value			losses			securities			value			losses			securities			value			losses
	U.S. Government and agency obligations			10		$	10,680		$	428			-		$	-		$	-			10		$	10,680		$	428
	Corporate bonds			5			2,141			38			2			883			23			7			3,024			61
	State and municipal obligations			32			11,012			442			2			822			42			34			11,834			484
	Collateralized debt obligations			-			-			-			1			976			940			1			976			940
	Mortgage-backed securities and other			11			8,445			231			2			1,189			100			13			9,634			331

	Total temporarily impaired securities			58		$	32,278		$	1,139			7		$	3,870			1,105			65		$	36,148		$	2,244


	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		securities		value			losses			securities			value			losses			securities		value			losses
	U.S. Government and agency obligations		3		$	3,649		$	18			-		$	-		$	-		3		$	3,649		$	18
	Corporate bonds		1			501			2			-			-			-		1			501			2
	State and municipal obligations		5			1,630			31			-			-			-		5			1,630			31
	Mortgage- backed securities and other		6			4,065			29			-			-			-		6			4,065			29

	Total temporarily impaired securities		15		$	9,845		$	80			-		$	-		$	-		15		$	9,845		$	80

Certain investments in collateralized debt obligations are reported in the financial statements at an amount less than their historical cost. These declines primarily resulted from changes in market interest rates and failure of certain investments to maintain consistent credit quality ratings. Should the impairment of any of these securities become other-than-temporary, the unrealized losses will be recorded to operations in the period the determination of other-than-temporary impairment is made.

The unrealized losses on the Company’s investments in U.S. Government and agency obligations, corporate bonds, state and political subdivision obligations, 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 basis 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 December 31, 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”).

The following table provides information about credit losses on investments that were recognized in income (in thousands).
		2013			2012
Credit losses on debt securities held to maturity
Accumulated credit losses at beginning of year		$	4,015		$	4,015
Realized upon sale of security			-2,931			-
Accumulated credit losses at end of year		$	1,084		$	4,015

No other-than-temporary impairment was recognized in 2013 or 2012. The accumulated other-than-temporary impairment recognized was $1.1 million and $4.0 million as of December 31, 2013 and 2012 respectively. The impairment was primarily caused by (a) decrease in performance and regulatory capital resulting from exposure to subprime mortgages and (b) sector downgrade by industry analysts. The Company currently expects the obligations to be settled at a price less than the amortized cost basis of the investments (that is, the Company expects to recover less than the entire amortized cost basis of the security). The Company has recognized a loss equal to the credit loss, establishing a new, and 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. On March 17, 2014, the Company sold its remaining investment in collateralized debt obligations for an immaterial loss.

There are no securities from the same issuer, besides agency investments, greater than 10% of total equity at December 31, 2013.

The amortized cost and estimated fair value of debt securities, at December 31, 2013, by contractual maturity, are shown below (in thousands). 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.

		Available-for-sale
		Amortized			Fair
		Cost			Value
Due in one year or less		$	1,034		$	1,038
Due from one to five years			8,545			8,574
Due from five to ten years			21,249			20,906
Due after ten years			11,640			10,378
Mortgage-backed and related securities			38,652			39,052

Total		$	81,120		$	79,948

Sales of investment securities during the years ended December 31, 2013 and 2012 were as follows (in thousands):

		2013			2012

Proceeds from investments sales		$	2,560		$	13,409
Gross gains on investment sales		$	135		$	508
Gross losses on investment sales		$	-		$	-

Securities with a carrying amount of $65.6 million and $64.0 million at December 31, 2013 and 2012, respectively, were pledged to secure public deposits and other obligations.

LOANS

LOANS	12 Months Ended
LOANS	Dec. 31, 2013
Receivables [Abstract]	'
Loans, Notes, Trade and Other Receivables Disclosure [Text Block]	'
	NOTE 4 – LOANS

	At December 31, 2013, loans were comprised of the following (in thousands):

		2013		2012

	Commercial and industrial	$	122,084	$	112,300
	Commercial real estate		104,692		111,417
	Residential real estate and home equity		96,245		72,137
	Consumer and credit card		32,862		21,620
	Subtotal		355,883		317,474
	Add: Net deferred loan origination fees		165		30

	Total loans receivable	$	356,048	$	317,504

	Loans to principal officers, directors, and their related affiliates during 2013 and 2012 in the normal course of business were as follows.

		2013		2012

	Balance at beginning of year	$	469	$	638
	New loans		1,058		371
	Repayments		-87		-540
	Balance at end of year	$	1,440	$	469

CREDIT_QUALITY

CREDIT QUALITY	12 Months Ended
CREDIT QUALITY	Dec. 31, 2013
Credit Quality [Abstract]	'
Credit Quality Disclosure [Text Block]	'
	NOTE 5 – CREDIT QUALITY

	Allowance for Loan Losses

	The Company’s methodology for estimating probable future losses on loans utilizes a combination of probability of loss by loan grade and loss given defaults for its portfolios. The probability of default is based on both market data from a third-party independent source and actual historical default rates within the Company’s portfolio. A loan is impaired when full payment of interest and principal under the original contractual loan terms is not expected. Commercial and industrial loans, commercial real estate, including construction and land development, and multi-family real estate loans are individually evaluated for impairment. If a loan is impaired, the loan amount exceeding fair value, based on the most current information available is reserved. Management has developed a process by which commercial and commercial real estate loans receiving an internal grade of Vulnerable, Substandard or Doubtful are individually evaluated for impairment through a loan quality review (LQR). The LQR details the various attributes of the relationship and collateral and determines based on the most recent available information if a specific reserve needs to be applied and at what level. The LQR process for all loans meeting the specific review criteria is completed on a quarterly basis. Large groups of smaller balance homogeneous loans, such as consumer and residential real estate loans, are collectively evaluated for impairment, and accordingly, such loans are not separately identified for impairment disclosures. This methodology recognizes portfolio behavior while allowing for reasonable loss ratios on which to estimate allowance calculations.

	Further, the process for estimating probable loan losses is divided into reviewing impaired loans on an individual basis for probable losses and, as noted above, calculating probable future losses based on historical and market data for homogenous loan portfolios. As the Company’s troubled loan portfolios have been reduced through payoffs, paydowns, and charge-offs, the remaining loan portfolios possess better overall credit characteristics, and based on the Company’s methodology require lower rates of reserving than recent historical levels.

	The table below presents allowance for loan losses by loan portfolio (in thousands). Commercial real estate includes real estate construction and land development loans.

	For the Year Ended December 31, 2013:

			Consumer and			Commercial and			Commercial			Residential			Total
			Credit Card			Industrial			Real Estate			Real Estate
												and
												Home Equity
	Allowance for loan losses:
	Beginning balance:		$	365		$	1,620		$	4,692		$	204		$	6,881
	Chargeoffs			-286			-86			-1,038			-331			-1,741
	Recoveries			219			823			38			52			1,132
	Transfer to held for sale			-			-			-1,965			-			-1,965
	Provision			3			874			1,246			294			2,417
	Ending balance:		$	301		$	3,231		$	2,973		$	219		$	6,724

	Allowance on loans:
	Individually evaluated for impairment		$	-		$	2,304		$	1,862		$	-		$	4,166
	Collectively evaluated for impairment			301			927			1,111			219			2,558
	Ending balance:		$	301		$	3,231		$	2,973		$	219		$	6,724

	As of December 31, 2013:

	Loans:
	Individually evaluated for impairment		$	-		$	7,221		$	15,660		$	-		$	22,881
	Collectively evaluated for impairment			32,862			114,863			89,032			96,245			333,002
	Ending balance:		$	32,862		$	122,084		$	104,692		$	96,245		$	355,883

	For the year ended December 31, 2012

			Consumer and			Commercial and			Commercial			Residential			Total
			Credit Card			Industrial			Real Estate			Real Estate
												and
												Home Equity
	Allowance for loan losses:
	Beginning Balance		$	425		$	1,952		$	6,916		$	291		$	9,584
	Charge Offs			-372			-1,926			-1,366			-74			-3,738
	Recoveries			224			251			47			18			540
	Provision			88			1,343			-905			-31			495
	Ending Balance		$	365		$	1,620		$	4,692		$	204		$	6,881

	Allowance on loans:
	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

	At December 31, 2012

	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


	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. Commercial and commercial real estate loans with risk grades Substandard, Vulnerable, Doubtful, or Loss are evaluated for impairment.

The following table indicates impaired loans with and without an allocated allowance at December 31, 2013 (in thousands).

		Recorded			Unpaid			Related			Average			Interest
		Investment			Principal			Allowance			Recorded			Income
					Balance						Investment			Recognized
With no related allowance recorded
Commercial and industrial		$	1,530		$	1,530		$	-		$	3,081		$	67
Commercial real estate			9,892			11,788			-			10,005			615
With allowance recorded
Commercial and industrial			5,691			5,833			2,304			2,686			196
Commercial real estate			5,768			7,296			1,862			10,060			308

Total
Commercial and industrial			7,221			7,363			2,304			5,767			263
Commercial real estate			15,660			19,084			1,862			20,065			923

Total		$	22,881		$	26,447		$	4,166		$	25,832		$	1,186

The following table indicates impaired loans with and without an allocated allowance at December 31, 2012 (in thousands).

		Recorded			Unpaid			Related			Average			Interest
		Investment			Principal			Allowance			Recorded			Income
					Balance						Investment			Recognized
With no related allowance recorded
Commercial and industrial		$	4,288		$	4,437		$	-		$	3,557		$	268
Commercial real estate			5,507			5,998			-			10,067			241

With allowance recorded
Commercial and industrial			1,183			1,248			340			6,208			65
Commercial real estate			16,376			20,008			3,400			15,965			820

Total
Commercial and industrial			5,471			5,685			340			9,765			333
Commercial real estate			21,883			26,006			3,400			26,032			1,061

Total		$	27,354		$	31,691		$	3,740		$	35,797		$	1,394

Included in certain impaired loan categories are troubled debt restructurings that by definition are classified as impaired. At December 31, 2013 and 2012, troubled debt restructurings which were performing in accordance with their modified terms were $262,000 and $1.5 million for commercial loans, $11.8 million and $16.9 million for commercial real estate, respectively.

In addition to these amounts, the Bank had troubled debt restructurings that were impaired and no longer performing in accordance with their modified terms. At year-end 2013, there were $68,000 of 1-4 family residential, $87,000 of commercial, $484,000 of commercial real estate and $711,000 of multi-family residential real estate within that category. At year-end 2012 there were $961,000 of 1-4 family residential, $108,000 of commercial, and $1.1 million of multi-family within that category.

During 2013, the Company modified $21.4 million of loans that were not troubled debt restructures. This consisted of $11.7 million of commercial loans, $7.8 million of commercial real estate loans and $1.9 million of other loans including consumer and residential loans.

During 2012, the Company modified $26.0 million of loans that were not troubled debt restructures. This consisted of $15.2 million of commercial loans, $10.1 million of commercial real estate loans and $637,000 of other loans including consumer and residential loans. These non-troubled debt restructures generally consist of renewals of operating lines of credit, renewals of project development lines of credit and extensions of loans related to real estate.

Nonperforming loans include both smaller balance homogeneous loans that are collectively evaluated for impairment and individually classified impaired loans. Interest income that would have been recognized had nonperforming loans performed in accordance with contractual terms totaled $175,000 and $95,000 for years ended December 31, 2013 and 2012, respectively. At December 31, 2013 and 2012, management viewed all loans past due and still accruing interest as well-secured and in the process of collection.

Loans on nonaccrual status as of December 31, 2013 and 2012 are as follows (in thousands):

		2013			2012
Consumer and credit card		$	-		$	-
Commercial and industrial			4,702			2,815
Commercial real estate			1,398			2,195
Residential real estate and home equity			352			321

Total		$	6,452		$	5,331

Loans held for sale on nonaccrual status as of December 31, 2013 are $1.2 million.

Credit Quality Indicators

Credit risk exposure by risk profile and by class of commercial loans was as follows at year-end 2013 (in thousands).

Category		Commercial and			Commercial
Category		Industrial			Real Estate

Pass-1-4		$	111,266		$	83,953
Vulnerable-5			2,574			4,785
Substandard-6			8,244			15,954
Doubtful-7			-			-
Loss-8			-			-

Total		$	122,084		$	104,692

Credit risk exposure by risk profile and by class of commercial loans was as follows at year-end 2012 (in thousands).

Category		Commercial and			Commercial
Category		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

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 5 (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 sound 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, which 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 lender 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 lender is seriously 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 institution’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.

For consumer loan classes and residential real estate loans, the Company evaluates credit quality primarily based upon the aging status of the loan, which was previously presented, and by payment activity.

The following table presents the recorded investment in consumer loans and residential real estate loans based on payment activity at the dates indicated (in thousands).

		December 31, 2013
Payment Category		Consumer and			Residential Real
		Credit Card			Estate and Home
					Equity
Performing		$	32,862		$	95,893
Non-Performing			-			352

Total		$	32,862		$	96,245

		December 31, 2012
Payment Category		Consumer and			Residential Real
		Credit Card			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 past due loans aged as of December 31, 2013 (in thousands).

Category		30-59 Days			60-89			Greater			Total			Current			Total Loans		Recorded
		Past Due			Days			than 90			Past Due								Investment
					Past			Days Past											> 90 days
					Due			Due											and
																			Accruing

Consumer and Credit Card		$	90		$	92		$	-		$	182		$	32,680		$	32,862	$	-
Commercial and Industrial			407			-			1,001			1,408			120,676			122,084		-
Commercial Real Estate			49			-			682			731			103,961			104,692		-
Residential Real Estate and Home Equity			374			197			321			892			95,353			96,245		-
Total		$	920		$	289		$	2,004		$	3,213		$	352,670		$	355,883	$	-

The following table presents past due loans aged as of December 31, 2012 (in thousands).

Category		30-59 Days			60-89			90 Days			Total			Current			Total Loans		Recorded
		Past Due			Days			or more			Past Due								Investment
					Past			Past Due											> 90 days
					Due														and
																			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 home equity			444			289			321			1,054			71,083			72,137		-
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 year ended December 31, 2013 and 2012 is as follows (dollars in thousands):

		2013						2012
		Number of			Post-			Number of			Post-
		contracts			modification			contracts			modification
					outstanding						outstanding
					recorded						recorded
					investment						investment
Consumer and credit card			-		$	-			8		$	201
Commercial and industrial			4			1,081			-			-
Commercial real estate			8			3,905			4			6,113
Residential real estate and home equity			-			-			-			-
Total			12		$	4,986			12		$	6,314

As of December 31, 2013, four commercial real estate loans, not included above, totaling $210,000, were modified in 2013 and reclassed to loans held for sale.

The following presents by class loans modified in a TDR during the years ended December 31, 2013 and 2012 that subsequently defaulted (i.e. 60 days or more past due following a modification) during the next twelve month periods (in thousands).

		December 31, 2013						December 31, 2012
		Number			Post-Modification			Number			Post-Modification
		of			Outstanding			of			Outstanding
		Contracts			Recorded Investment			Contracts			Recorded Investment
Consumer and Credit Card			-		$	-			1		$	1
Commercial and Industrial			3			1,075			-			-
Commercial Real Estate			1			484			1			1,076
Residential Real Estate and Home Equity			-			-			-			-

Total			4		$	1,559			2		$	1,077

The post-modification outstanding recorded investment amounts at each year end balances are inclusive of all partial pay downs and charge-offs 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.

Included in loans held for sale at of December 31, 2013, are four commercial real estate loans totaling $210,000 which were modified within the previous twelve months and which subsequently defaulted.

A modification of a loan constitutes a TDR when a borrower is experiencing financial difficulty and the modification constitutes a concession. The Company offers various types of concessions when modifying a loan; however, forgiveness of principal is rarely granted. Depending on the financial condition of the borrower, the purpose of the loan and the type of collateral supporting the loan structure; modifications can be either short-term (12 months of less) or long term (greater than one year). Commercial loans modified in a TDR often involve temporary interest-only payments, term extensions, and converting revolving credit lines to term loans. Additional collateral, a co-borrower, or a guarantor may be requested. Commercial mortgage and construction loans modified in a TDR often involve reducing the interest rate for the remaining term of the loan, extending the maturity date at an interest rate lower than the current market rate for new debt with similar risk, or substituting or adding a new borrower or guarantor. Construction loans modified in a TDR may also involve extending the interest-only payment period.

Land loans are also included in the class of commercial real estate loans. Land loans are typically structured as interest-only monthly payments with a balloon payment due at maturity. Land loans modified in a TDR typically involve extending the balloon payment by one to three years, changing the monthly payments from interest-only to principal and interest, while leaving the interest rate unchanged.

Loans modified in a TDR are typically already on nonaccrual status and partial charge-offs have in some cases already been taken against the outstanding loan balance. As a result, loans modified in a TDR for the Company may have the financial effect of increasing the specific allowance associated with the loan. The allowance for impaired loans that have been modified in a TDR is measured based on the estimated fair value of the collateral, less any selling costs, if the loan is collateral dependent or on the present value of expected future cash flows discounted at the loan’s effective interest rate. Management exercises significant judgment in developing these estimates.

As mentioned above, an individual loan is placed on a nonaccrual status if, in the judgment of management, it is unlikely that all principal and interest will be received according to the terms of the note. Loans on non-accrual may be eligible to be returned to an accruing status after six months of compliance with the modified terms. However, there are number of factors that could prevent a loan from returning to accruing status, even after remaining in compliance with loan terms for the aforementioned six month period, including deteriorating collateral, negative cash flow changes and inability to reduce debt to income ratios.

PREMISES_AND_EQUIPMENT

PREMISES AND EQUIPMENT	12 Months Ended
PREMISES AND EQUIPMENT	Dec. 31, 2013
Property, Plant and Equipment [Abstract]	'
Property, Plant and Equipment Disclosure [Text Block]	'
	NOTE 6 – PREMISES AND EQUIPMENT

	Premises and equipment were as follows at the dates indicated (in thousands):

		December 31,
		2013		2012

	Land	$	1,266	$	1,899
	Buildings		13,277		13,787
	Furniture and equipment		9,836		9,603
	Subtotal		24,379		25,289
	Accumulated depreciation		-14,329		-13,635
	Total premises and equipment		10,050		11,654
	Software, net of accumulated amortization		591		382

	Total premises and equipment	$	10,641	$	12,036

	The Company had $1.4 million in premises and equipment held for sale associated with the sale of a branch that was completed March 21, 2014.

	Depreciation expense totaled $1.1 million and $991,000 for the years ended December 31, 2013 and 2012, respectively.

	The Company has entered into operating lease agreements for branch offices and equipment, which expire at various dates through 2023, and provide options for renewals. Rental expense on lease commitments for 2013 and 2012 amounted to $465,000 and $559,000, respectively. The total future minimum lease commitments at December 31, 2013 under these leases are summarized as follows (in thousands).

	2014	$	562
	2015		551
	2016		544
	2017		322
	2018		194
	Thereafter		383
	Total	$	2,556

INTERESTBEARING_DEPOSITS

INTEREST-BEARING DEPOSITS	12 Months Ended
INTEREST-BEARING DEPOSITS	Dec. 31, 2013
Banking and Thrift [Abstract]	'
Deposit Liabilities Disclosures [Text Block]	'
	NOTE 7 – INTEREST-BEARING DEPOSITS

	Interest-bearing deposits were as follows at the dates indicated (in thousands):

		December 31,
		2013		2012

	Interest-bearing demand	$	68,382	$	74,993
	Money market		123,237		101,954
	Savings deposits		41,231		36,895
	Time deposits
	In denominations under $100,000		60,850		87,308
	In denominations of $100,000 or more		23,537		51,293

	Total	$	317,237	$	352,443

	Scheduled maturities of time deposits were as follows (in thousands):

	2014	$	66,377
	2015		11,209
	2016		5,897
	2017		683
	2018 and after		221
	Total	$	84,387

	At December 31, 2013 and 2012 deposits received from officers, directors and related affiliates were considered to be immaterial to the total amount of total deposits.

BORROWED_FUNDS

BORROWED FUNDS	12 Months Ended
BORROWED FUNDS	Dec. 31, 2013
Debt Disclosure [Abstract]	'
Debt Disclosure [Text Block]	'
	NOTE 8 – BORROWED FUNDS

	There were no short-term borrowings outstanding at December 31, 2013. As a member of the FHLB of Cincinnati, the Bank has the ability to obtain borrowings based on its investment in FHLB stock and other qualified collateral. FHLB advances are collateralized by a blanket pledge of the Bank’s qualifying 1-4 family loan portfolio and all shares of FHLB stock. At December 31, 2013 total pledged loans was $124.9 million and investment in FHLB Stock was $3.8 million. Those amounts at December 31, 2012 were $65.9 million and $3.8 million respectively. The Bank had a $50.7 million line of credit with no outstanding balance at December 31, 2013 with the Federal Reserve Bank of Cleveland through its Discount Window. The Bank has pledged loans totaling $75.4 million at December 31, 2013

	The following is a summary of borrowings outstanding at year ending December 31 2013 and 2012 (in thousands):

		2013		2012

	Total Borrowings:
	FHLB advances	$	4,838	$	7,498

	In the fourth quarter of 2013, DCB prepaid $4.4 million of fixed rate FHLB advances with a contractual average interest rate of 4.61% and a weighted average remaining term to maturity of 1.4 years. The transaction was accomplished by extending the maturity date of the advances and rolling the net present value of the advances into the funding cost of the new structure. As a result of the restructure, DCB was required to pay a prepayment penalty of $268,000 to the FHLB. In accordance with ASC 470-50, Debt - Modification and Exchanges, the new advances were considered a minor modification. The prepayment penalty was deferred and will be recognized in interest expense over the life of the new advances.

	As of the dates indicated, the contractual amounts of FHLB long term advances mature as follows (in thousands).

		December 31, 2013					December 31, 2012

	Maturing	Amount		Weighted			Amount		Weighted
	Maturing	Amount		Average Rate			Amount		Average Rate
	2013	$	-		-	%	$	454		3.08	%
	2014		-		-	%		888		4.1	%
	2015		257		0.51	%		4,048		4.94	%
	2016		1,530		0.84	%		-		-	%
	2017		590		1.12	%		-		-	%
	2018 and after		2,461		2.42	%		2,108		4.34	%
		$	4,838		1.66	%	$	7,498		4.56	%

	The Bank has access to various credit facilities through the FHLB, including an overnight line of credit, a one-month line of credit, and a Term Advance Program, under which it can borrow at various terms and interest rates. All of the credit facilities are subject to meeting certain ongoing collateral requirements of the FHLB. In addition to pledging securities, the Bank has also pledged, under a blanket collateral agreement, certain residential mortgage loans with balances at December 31, 2013 of $101.8 million. At December 31, 2013, the Bank had borrowed $4.8 million against the pledged mortgages. At December 31, 2013, the Bank had $75.3 million available under its various credit facilities with the FHLB.

RETIREMENT_PLANS

RETIREMENT PLANS	12 Months Ended
RETIREMENT PLANS	Dec. 31, 2013
Compensation and Retirement Disclosure [Abstract]	'
Pension and Other Postretirement Benefits Disclosure [Text Block]	'
	NOTE 9 – RETIREMENT PLANS

	The Company provides a 401(k) savings plan (the “Plan”) for all eligible employees. To be eligible, an individual must complete six months of employment and be 20 or more years of age. Under provisions of the Plan, a participant can contribute a certain percentage of their compensation to the Plan up to the maximum allowed by the IRS. The Company also matches a certain percentage of those contributions up to a maximum match of up to 3% of the participant’s compensation. The Company may also provide additional discretionary contributions, but did not do so in 2013 or 2012. Employee voluntary contributions are vested immediately and Company contributions are fully vested after three years. The 2013 and 2012 expenses related to the Plan were $173,000 and $127,000, respectively.

	The Company maintains a deferred compensation plan for the benefit of certain officers. The plan is designed to provide post-retirement benefits to supplement other sources of retirement income such as social security and 401(k) benefits. The amount of each officer’s benefit will generally depend on their salary, and their length of employment. The Company accrues the cost of this deferred compensation plan during the working careers of the officers. Expense under this plan totaled $0 and $108,000 in 2013 and 2012, respectively. The total accrued liability under this plan was $1.2 million and $707,000 at December 31, 2013 and 2012, respectively. In addition to recognizing expense associated with the plan, the Company funds the vested amounts, $1.0 million and $457,000, into separate accounts held in custody by the Company’s trust department at December 31, 2013 and 2012, respectively.

	The Company has purchased insurance contracts on the lives of the participants in the supplemental post-retirement benefit plan and has named the Company as the beneficiary. While no direct connection exists between the deferred compensation plan and the life insurance contracts, it is management’s current intent that the earnings on the insurance contracts be used as a funding source for benefits payable under the plan.

STOCKBASED_COMPENSATION

STOCK-BASED COMPENSATION	12 Months Ended
STOCK-BASED COMPENSATION	Dec. 31, 2013
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]	'
Disclosure of Compensation Related Costs, Share-based Payments [Text Block]	'
	NOTE 10 – STOCK-BASED COMPENSATION

	Stock Option Plan: 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. During the years ended December 31, 2013 and 2012, options for 13,889 and 75,958 shares, respectively, were granted to employees under the Plan, at an exercise price of $5.40 and $4.50, respectively. At December 31, 2013, 145,615 shares were exercisable and there were no shares were available for grant under this Plan.

	The Company recorded $129,000 and $(235,000) in compensation cost for equity-based awards for the years ended December 31, 2013 and 2012, respectively. A summary of the status of the Company’s stock option plan as of December 31, 2013, and changes during the year is presented below:

		Shares		Weighted		Weighted	Aggregate
				Average Exercise		Average Remaining	Intrinsic
				Price		Contractual Life	Value

	Outstanding at beginning of year	261,098		$	10.38	7.2 years
	Granted	13,889			5.4	9.2 years
	Exercised	-3,818			3.5	-
	Forfeited	-20,651			13.98	-

	Outstanding at end of year	250,518		$	9.91	6.4 years	$	316,704

	Options exercisable at year end	145,615		$	13.79	5.0 years	$	134,519

	Weighted-average fair value of options granted during the year ended December 31, 2013			$	2.45

	Weighted-average fair value of options granted during the year ended December 31, 2012			$	1.97

	In determining the fair value of the stock options granted in 2013, the Company utilized a Black-Scholes valuation model with a risk-free interest rate of 2.25%, an expected dividend yield of zero, an expected common stock price volatility of 30%, and an expected life of 10 years. In determining the fair value of the stock options granted in 2012, the Company utilized a Black-Scholes valuation model with a risk-free interest rate of 1.77%, an expected dividend yield of zero, an expected common stock price volatility of 30%, and an expected life of 10 years.

	The intrinsic value of options exercised during 2013 and 2012 were $7,000 and $1,000 respectively.

	The following table depicts activity in nonvested shares in 2013.

		Nonvested
		Shares
	Nonvested at January 1, 2013	138,661
	Granted	13,889
	Vested	-39,072
	Forfeited or expired	-8,575
	Nonvested at December 31, 2013	104,903

	At December 31, 2013, unrecognized compensation expense to be recognized over the remaining vesting period of outstanding options is $294,000.

	The following information applies to options outstanding at December 31, 2013:

	Number Outstanding		Range Of Exercise Prices
	46,039		$23.00 - $30.70
	25,612		$14.15 - $16.90
	22,202		$7.50 - $9.00
	156,665		$3.50 - $5.40

FEDERAL_INCOME_TAXES

FEDERAL INCOME TAXES	12 Months Ended
FEDERAL INCOME TAXES	Dec. 31, 2013
Income Tax Disclosure [Abstract]	'
Income Tax Disclosure [Text Block]	'
	NOTE 11 – FEDERAL INCOME TAXES

	The Company files income tax returns in the U.S. federal jurisdiction and franchise tax returns in Ohio. Income tax expense (benefit) for the years ended December 31, 2013 and 2012 included the following components (in thousands).

		2013		2012
	Current	$	-	$	-
	Deferred		-1,918		88
	Valuation allowance		1,620		-157
	Totals	$	-298	$	-69

	The difference between the financial statement tax provision and amounts computed by applying the statutory federal income tax rate to income before income taxes was as follows (in thousands):

		2013		2012
	Income tax benefit computed at the statutory federal income tax rate	$	-1,098	$	181
	Tax exempt income		-1,002		-360
	Change in valuation allowance		1,620		217
	Other		-324		-107
	Totals	$	-298	$	-69

	Year-end deferred tax assets and liabilities were comprised of the following (in thousands).

		2013		2012
	Deferred tax assets
	Allowance for loan losses	$	3,369	$	2,340
	Depreciation		92		117
	Deferred compensation		54		159
	Alternative minimum tax carry forward		145		145
	Other-than-temporary impairment losses		369		1,365
	Other		151		200
	Expenses on foreclosed real estate		70		370
	Unrealized loss on other-than-temporary impairment on held-to-maturity securities		-		975
	NOL carry forward		7,460		5,012
	Subtotal		11,710		10,683

	Deferred tax liabilities
	FHLB stock dividends		-455		-455
	Unrealized loss (gain) on available-for-sale securities		399		-676
	Other		-87		-4
	Subtotal		-143		-1,135
	Net deferred tax asset		11,567		9,548
	Less: valuation allowance		-11,168		-9,548
	Total	$	399	$	-

	At December 31, 2013, the Company had a $21.9 million net operating loss carry forward that begins to expire in 2030.

COMMITMENTS_CONTINGENCIES_AND_

COMMITMENTS, CONTINGENCIES AND FINANCIAL INSTRUMENTS WITH OFF-BALANCE SHEET RISK	12 Months Ended
	Dec. 31, 2013
Commitments and Contingencies Disclosure [Abstract]	'
Commitments and Contingencies Disclosure [Text Block]	'
	NOTE 12 – COMMITMENTS, CONTINGENCIES AND FINANCIAL INSTRUMENTS
	WITH OFF-BALANCE SHEET RISK

	Some financial instruments such as loan commitments, credit lines, letters of credit and overdraft protection are issued to meet customer financing needs. These financing arrangements to provide credit typically have predetermined expiration dates, but can be withdrawn if certain conditions are not met. The commitments may expire without ever having been drawn on by the customer; therefore the total commitment amount does not necessarily represent future cash requirements. Off-balance sheet risk to credit loss exists up to the face amount of these instruments, although material losses are not anticipated. The same credit policies are used for loans, including obtaining various forms of collateral, such as real estate or securities at exercise of the commitment or letter of credit.

	The Bank grants retail, commercial and commercial real estate loans in central Ohio. The Bank evaluates each customer’s creditworthiness on a case-by-case basis. The amount of collateral obtained, if deemed necessary by the Bank upon extension of credit, is based upon management’s credit evaluation of each customer. Collateral held varies but may include accounts receivable, inventory, property, plant and equipment and income producing commercial properties.

	The contractual amount of financing instruments with off-balance sheet risk was as follows at year-end (in thousands).

		2013				2012
		Fixed		Variable		Fixed		Variable
		rate		rate		rate		rate

	Commitments to extend credit	$	1,475	$	22,983	$	3,769	$	27,074
	Unused lines of credit and letters of credit	$	1,113	$	92,237	$	1,230	$	87,251

	Commitments to make loans are generally made for periods of 30 days or less. Maturities for loans subject to these fixed-rate commitments range from up to 1 to 30 years. In the opinion of management, outstanding loan commitments equaled or exceeded prevalent market interest rates at December 31, 2013, such commitments were underwritten in accordance with normal loan underwriting policies, and all disbursements will be funded via normal cash flows from operations and existing excess liquidity.

	Legal Proceedings

	There is no pending material litigation, other than routine litigation incidental to the business of the Company and Bank. Further, there are no material legal proceedings in which any director, executive officer, principal shareholder or affiliate of the Company is a party or has a material interest, which is adverse to the Company or Bank. Finally, there is no litigation in which the Company or Bank is involved which is expected to have a material adverse impact on the financial position or results of operations of the Company or Bank.

ISSUANCE_AND_SALE_OF_COMMON_ST

ISSUANCE AND SALE OF COMMON STOCK	12 Months Ended
ISSUANCE AND SALE OF COMMON STOCK	Dec. 31, 2013
Stockholders Equity Note [Abstract]	'
Stockholders Equity Note Disclosure [Text Block]	'
	NOTE 13 – ISSUANCE AND SALE OF COMMON STOCK

	In December 2012, the Company raised $13.2 million in connection with the sale of 3,474,964 shares of common stock at $3.80 per share. The sale was comprised of 3,226,091 shares that were newly issued and 248,873 shares of treasury stock.

REGULATORY_CAPITAL

REGULATORY CAPITAL	12 Months Ended
REGULATORY CAPITAL	Dec. 31, 2013
Mortgage Banking [Abstract]	'
Regulatory Capital Requirements for Mortgage Companies Disclosure [Text Block]	'
	NOTE 14 – REGULATORY CAPITAL

	The Company is subject to various regulatory capital requirements administered by federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Company’s financial statements. Capital adequacy guidelines and, additionally for banks, prompt corrective-action regulations, involve quantitative measures of assets, liabilities and certain off-balance sheet items calculated under regulatory accounting practices. Capital amounts and classifications are also subject to qualitative judgments by regulators. Failure to meet various capital requirements can initiate regulatory action.

	The prompt corrective action regulations provide five classifications, including well capitalized, adequately capitalized, undercapitalized, significantly undercapitalized and critically undercapitalized, although these terms are not used to represent overall financial condition. If adequately capitalized, regulatory approval is required to accept brokered deposits. If undercapitalized, capital distributions are limited, as is asset growth and expansion, and plans for capital restoration are required. The Bank met the well-capitalized requirements, as publicly defined, at December 31, 2013.

	The Bank entered into a Written Agreement with the ODFI and a Consent Order with the FDIC effective October 28, 2010, which addressed matters pertaining to, among other things: management and operations of the Bank; credit risk management practices and credit administration policies and procedures; Bank actions with respect to problem assets; reserves for loan and lease losses; strengthening the capital position of the Bank; the strategic plan and budget for fiscal 2012; staffing; and submitting a funding contingency plan for the Bank that identifies available sources of liquidity and includes a plan for dealing with potential adverse economic and market conditions. The Written Agreement and Consent Order were terminated on October 3, 2013.

	On June 29, 2010, the Company entered into a Memorandum of Understanding (“MOU”) with the FRB, which provided that the Company may not declare or pay cash dividends to its shareholders, repurchase any of its shares, or incur or guarantee any debt without the prior approval of the FRB. The MOU was terminated on November 18, 2013.

	Actual and required capital ratios are presented below at year-end (dollars in thousands).

		Actual					For capital adequacy				To be well capitalized
							purposes				under Prompt Corrective
											Action Provisions (in 2013)
											and pursuant to the Consent
											Order and Written
											Agreement (2012)
		Amount		Ratio			Amount		Ratio		Amount		Ratio
	December 31, 2013:
	Total capital to risk-weighted assets
	Consolidated	$	50,644		13.82	%	$	29,321	8	%		N/A		N/A
	Bank	$	49,473		13.5	%	$	29,321	8	%	$	36,651		10	%
	Tier-1 (core) capital to risk-weighted assets
	Consolidated	$	46,036		12.56	%	$	14,661	4	%		N/A		N/A
	Bank	$	44,865		12.24	%	$	14,661	4	%	$	21,992		6	%
	Tier-1 (core) capital to average assets
	Consolidated	$	46,036		9	%	$	20,456	4	%		N/A		N/A
	Bank	$	44,865		8.77	%	$	20,456	4	%	$	25,570		5	%

	December 31, 2012:
	Total capital to risk-weighted assets
	Consolidated	$	53,808		13.46	%	$	31,990	8	%		N/A		N/A
	Bank	$	44,505		11.02	%	$	32,320	8	%	$	52,519		13	%
	Tier-1 (core) capital to risk-weighted assets
	Consolidated	$	48,968		12.25	%	$	15,995	4	%		N/A		N/A
	Bank	$	39,665		9.82	%	$	16,160	4	%	$	36,360		9	%
	Tier-1 (core) capital to average assets
	Consolidated	$	48,968		9.79	%	$	20,017	4	%		N/A		N/A
	Bank	$	39,665		7.93	%	$	20,017	4	%	$	45,038		9	%

	Banking regulations limit capital distributions by the Bank. Generally, capital distributions are limited to undistributed net income for the current and prior two years. At December 31, 2013 and 2012, the Bank was unable to make dividend distributions to the Company without prior regulatory approval.

FAIR_VALUE_MEASUREMENTS

FAIR VALUE MEASUREMENTS	12 Months Ended
FAIR VALUE MEASUREMENTS	Dec. 31, 2013
Fair Value Disclosures [Abstract]	'
Fair Value Disclosures [Text Block]	'
	NOTE 15 – 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 be 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 estimated 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 security 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 ASC 820. 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.

	Collateralized Debt Obligations: Estimated fair value for collateralized debt obligations 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 Level 3.

	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 Level 3.

	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 December 31, 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 December 31, 2013:

			Carrying			Fair Value			Level 1			Level 2			Level 3
			Amount			Fair Value			Level 1			Level 2			Level 3
	Financial assets
	Cash and cash equivalents		$	25,357		$	25,357		$	25,357		$	-		$	-
	Securities available-for-sale			79,948			79,948			-		$	78,972		$	976
	Loans (net of allowance) ⁽¹⁾			357,130			348,295			-			-			348,295
	FHLB stock			3,799			3,799			-			3,799			-
	Accrued interest receivable			1,356			1,356			-			-			1,356

	Financial liabilities
	Noninterest-bearing deposits ⁽²⁾		$	112,711		$	112,711		$	-		$	112,711		$	-
	Interest-bearing deposits ⁽²⁾			317,237			318,107			-			318,107			-
	FHLB advances			4,838			4,838			-			4,838			-
	Accrued interest payable			112			112			-			-			112

		-1	Includes loans held for sale
		-2	Includes deposits held for sale

	At December 31, 2012:

			Carrying			Fair			Level 1			Level 2			Level 3
			Amount			Value			Level 1			Level 2			Level 3

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 December 31, 2013 and December 31, 2012 (in thousands):

					Fair Value Measurements Using
December 31, 2013		Fair Value			Quoted Prices in			Significant Other			Significant
					Active Markets for			Observable Inputs			Unobservable
					Identical Assets			(Level 2)			Inputs
					(Level 1)						(Level 3)

U.S. Government and agency obligations		$	13,302		$	-		$	13,302		$	-
State and municipal obligations			20,450			-			20,450			-
Corporate bonds			6,168			-			6,168			-
Collateralized debt obligation			976			-			-			976
Mortgage-backed securities and other			39,052			-			39,052			-
Total		$	79,948		$	-		$	78,972		$	976

					Fair Value Measurements Using
December 31, 2012		Fair Value			Quoted Prices in			Significant Other			Significant
					Active Markets for			Observable Inputs			Unobservable
					Identical Assets			(Level 2)			Inputs
					(Level 1)						(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 and other securities			44,334			-			44,334			-
Total		$	87,197		$	-		$	87,197		$	-

The table below presents a rollforward of the balance sheet amounts for the year ended December 31, 2013 for the collateralized debt obligation measured on a recurring basis and classified as Level 3. The classification of an item as Level 3 is based on the significance of the unobservable inputs to the overall fair value measurement.

Level 3 Fair Value Measurements
Year ended December 31, 2013
Balance, beginning of year		$	-
Transferred from held-to-maturity during the year			1,004
Total gains/losses:
Included in earnings			-
Included in other comprehensive loss			-28
Balance, end of year		$	976

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
Certain collateralized debt obligations are classified as available for sale at December 31, 2013 and were classified as held-to-maturity at December 31, 2012. The Company recognized other-than-temporary impairment on the securities as of December 31, 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 December 31, 2013 and 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 December 31, 2013 and 2012 (in thousands).

					Fair Value Measurements Using
December 31, 2013		Fair			Quoted Prices in			Significant Other			Significant
		Value			Active Markets for			Observable Inputs			Unobservable
					Identical Assets			(Level 2)			Inputs
					(Level 1)						(Level 3)
Impaired loans		$	22,881		$	-		$	-		$	22,881
Real estate owned			1,219			-			-			1,219

					Fair Value Measurements Using
December 31, 2012		Fair			Quoted Prices in			Significant Other			Significant
		Value			Active Markets for			Observable Inputs			Unobservable
					Identical Assets			(Level 2)			Inputs
					(Level 1)						(Level 3)
Collateralized debt obligations		$	2,090		$	-		$	-		$	2,090
Impaired loans			27,354			-			-			23,370
Real estate owned			3,671			-			-			3,671

PARENT_COMPANY_FINANCIAL_INFOR

PARENT COMPANY FINANCIAL INFORMATION	12 Months Ended
PARENT COMPANY FINANCIAL INFORMATION	Dec. 31, 2013
Condensed Financial Information of Parent Company Only Disclosure [Abstract]	'
Condensed Financial Information of Parent Company Only Disclosure [Text Block]	'
	NOTE 16 – PARENT COMPANY FINANCIAL INFORMATION

	Condensed financial information of DCB Financial Corp for the years ended December 31 is as follows:

	CONDENSED BALANCE SHEETS

		2013		2012
	Assets
	Cash	$	948	$	13,332
	Investment in subsidiaries		44,336		39,249

	Total assets	$	45,284	$	52,581

	Liabilities
	Other liabilities	$	20	$	84
	Payables to subsidiaries		-		4,108

	Shareholders’ Equity		45,264		48,389

	Total liabilities and shareholders’ equity	$	45,284	$	52,581

	CONDENSED STATEMENTS OF OPERATIONS

		2013		2012

	Dividends from subsidiaries	$	-	$	-
	Equity in undistributed (loss) earnings of subsidiaries		-2,805		4,781
	Other		-		-
	Total income (loss) income		-2,805		4,781
	Operating expenses		-126		444
	Federal income tax		-		-

	Net (loss) income	$	-2,931	$	4,337

	Note: At December 31, 2012, DCB Financial Corp had a payable to the Bank in the amount of $3,735. In a prior year, the Bank evaluated the corresponding receivable for collectability and it was written off. As of December 31, 2012, the Bank receivable was deemed collectable and was accordingly reflected in the Bank’s financial statements. The re-establishment of the Bank receivable in 2012 resulted in the difference between the parent company only net income and the consolidated net income for 2012. This amount was fully repaid on January 9, 2013.

	CONDENSED STATEMENTS OF CASH FLOWS

		2013		2012
	Cash flows from operating activities
	Net (loss) income	$	-2,931	$	4,337
	Adjustments to reconcile net (loss) income to cash provided by operating activities:
	Excess distributions from subsidiaries		2,805		-4,781
	Net change in other assets and liabilities		-4,171		59
	Net cash from operating activities		-4,297		-385

	Cash flows used in investing activities
	Investments in affiliates		5		-
	Net cash from investing activities		5		-

	Cash flows from financing activities
	Repayment of short-term borrowings		-		-
	Capitalized interest of intercompany payable		-		373
	Investment in Subsidiary		-8,092		-
	Proceeds from issuance of common stock		-		12,931
	Net cash from financing activities		-8,092		13,304

	Net change in cash		-12,382		12,919

	Cash at beginning of year		13,332		413

	Cash at end of year	$	948	$	13,332

DETAILS_OF_OPERATING_EXPENSES

DETAILS OF OPERATING EXPENSES	12 Months Ended
DETAILS OF OPERATING EXPENSES	Dec. 31, 2013
Other Income and Expenses [Abstract]	'
Other Income and Other Expense Disclosure [Text Block]	'
	NOTE 17 – DETAILS OF OPERATING EXPENSES

	The following table details the composition of occupancy and equipment expenses for the years ended December 31, 2013 and 2012.

	(In thousands)	2013		2012

	Bank occupancy expense	$	1,590	$	748
	Equipment lease		342		46
	Equipment depreciation		303		879
	Software maintenance		824		750
	Other		10		485

	Total	$	3,069	$	2,908

	The following table details the composition of other operating expenses for the years ended December 31, 2013 and 2012.

	(In thousands)	2013		2012

	ATM and debit cards	$	772	$	653
	Telephone		320		331
	Loan		482		529
	Real estate taxes		281		351
	OREO expenses		22		328
	Other operating		1,065		1,280

	Total	$	2,942	$	3,472

QUARTERLY_FINANCIAL_DATA_Unaud

QUARTERLY FINANCIAL DATA (Unaudited)	12 Months Ended
QUARTERLY FINANCIAL DATA (Unaudited)	Dec. 31, 2013
Quarterly Financial Information Disclosure [Abstract]	'
Quarterly Financial Information [Text Block]	'
	NOTE 18 – QUARTERLY FINANCIAL DATA (Unaudited)

	The following tables summarize the Company’s quarterly results for the years ended December 31, 2013 and 2012.

	(Dollars in thousands, except share and per share data)	2013
		Fourth		Third		Second		First
	Interest income	$	4,372	$	4,316	$	4,245	$	4,146
	Interest expense		369		425		494		530
	Net interest income		4,003		3,891		3,751		3,616
	Provision for loan losses		3,307		-		-240		-650
	Net interest income after provision for loan losses		696		3,891		3,991		4,266
	Other non-interest income		1,116		1,192		1,351		1,308
	Other non-interest expense		4,914		5,230		5,440		5,456
	(Loss) income before income tax expense		-3,102		-147		-98		118
	Income tax benefit		-		-20		-254		-24
	Net (loss) income	$	-3,102	$	-127	$	156	$	142

	Stock and related per share data
	Basic and diluted (loss) earnings per common share	$	-0.43	$	-0.02	$	0.02	$	0.02
	Basic weighted average common shares outstanding		7,192,350		7,192,350		7,192,350		7,192,350
	Diluted weighted average common shares outstanding		7,192,350		7,192,350		7,227,901		7,223,144


	(Dollars in thousands, except share and per share data)	2012
		Fourth		Third		Second		First
	Interest income	$	4,505	$	4,579	$	4,725	$	5,039
	Interest expense		605		743		857		1,033
	Net interest income		3,900		3,836		3,868		4,006
	Provision for loan losses		-300		65		255		475
	Net interest income after provision for loan losses		4,200		3,771		3,613		3,531
	Other non-interest income		944		1,158		1,234		1,688
	Other non-interest expense		5,203		4,750		4,782		4,871
	(Loss) income before income tax expense		-59		179		65		348
	Income tax expense (benefit)		87		-127		-218		189
	Net (loss) income	$	-146	$	306	$	283	$	159

	Stock and related per share data
	Basic and diluted (loss) earnings per common share	$	-0.03	$	0.08	$	0.08	$	0.04
	Basic weighted average common shares outstanding		3,902,196		3,717,385		3,717,385		3,717,385
	Diluted weighted average common shares outstanding		3,902,196		3,739,777		3,740,349		3,736,217

SUBSEQUENT_EVENT

SUBSEQUENT EVENT	12 Months Ended
SUBSEQUENT EVENT	Dec. 31, 2013
Subsequent Events [Abstract]	'
Subsequent Events [Text Block]	'
	NOTE 19 – SUBSEQUENT EVENT

	On March 21, 2014, the Bank closed the previously announced sale of its Marysville branch (the “Branch”) to Merchants National Bank, a national bank headquartered in Hillsboro, Ohio (“Merchants”). Merchants acquired certain assets and assumed certain liabilities of the Branch, including the assumption of $19.4 million in deposit liabilities and the purchase of $4.8 million in loans related to the Branch.

	The amounts related to the sale are as follows (in thousands):

	Deposits assumed	$	19,403
	Loans sold (at book value)		-4,750
	Property and equipment (agreed upon value)		-1,500
	Cash on hand		-261
	Premium on deposits		-441
	Other, net		13
	Cash paid to Merchants	$	12,464

	Due to operational restrictions, certain loans will be transferred to the buyer after the closing.

SUMMARY_OF_SIGNIFICANT_ACCOUNT1

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies)	12 Months Ended
	Dec. 31, 2013
Accounting Policies [Abstract]	'
Basis of Accounting, Policy [Policy Text Block]	'
	Basis of Presentation: The consolidated financial statements include the accounts of DCB Financial Corp (“DCB”) and its wholly-owned subsidiaries, The Delaware County Bank and Trust Company (the “Bank”), DCB Title Services LLC, DCB Insurance Services, Inc., and ORECO (collectively referred to hereinafter as the “Company”). All intercompany transactions and balances have been eliminated in the consolidated financial statements.

Nature Of Operations [Policy Text Block]	'
	Nature of Operations: The Company provides financial services in Delaware, Franklin, and Union Counties, Ohio, as well as nearby counties, through its 14 banking locations. Its primary deposit products are checking, savings, and term certificate accounts and its primary lending products are residential mortgage, commercial and installment loans. Substantially all loans are secured by specific items of collateral including business assets, consumer assets, and real estate. Commercial loans are expected to be repaid from cash flow from operations of businesses. Real estate loans are secured by both residential and commercial real estate. The Bank also operates a trust department and engages in other personal wealth management activities, including brokerage services and private banking.

Business Segments [Policy Text Block]	'
	Business Segments: While the Bank’s management monitors the revenue streams of the various products and services, operations are managed and financial performance is evaluated on a Company-wide basis. Accordingly, all of the Bank’s operations are considered by management to be aggregated into one operating segment.

Use of Estimates, Policy [Policy Text Block]	'
	Use of Estimates: To prepare consolidated financial statements in conformity with accounting principles generally accepted in the United States of America, management makes estimates and assumptions based on available information. These estimates and assumptions affect amounts reported in the financial statements and disclosures provided, and future results could differ. The allowance for loan losses, fair value of financial instruments, determination of other-than-temporary impairment, status of contingencies and deferred tax asset valuation are particularly subject to change.

Cash and Cash Equivalents, Policy [Policy Text Block]	'
	Cash and Cash Equivalents: Cash and cash equivalents include cash on hand, federal funds sold and deposits with other financial institutions with original maturities of less than 90 days. Net cash flows are reported for customer loan and deposit transactions, federal funds purchased and other short-term borrowings.

Marketable Securities, Policy [Policy Text Block]	'
	Securities: Securities are classified as held-to-maturity and carried at adjusted amortized cost when management has the positive intent and ability to hold them to maturity. Securities classified as available-for-sale might be sold before maturity. Securities classified as available-for-sale are carried at fair value, with temporary unrealized holding gains and losses excluded from earnings and reported as a component of other comprehensive income. Realized gains and losses on sale of securities are recognized using the specific identification method. The Company does not engage in securities trading activities. Interest income includes premium amortization and accretion of discounts on securities.

	For securities with unrealized losses, management considers, in determining whether other-than-temporary impairment exists, (1) the length of time and the extent to which the fair value has been less than cost, (2) the financial condition and near-term prospects of the issuer and (3) the intent and ability of the Company to retain its investment in the issuer for a period of time sufficient to allow for any anticipated recovery in fair value.

	For securities with other-than-temporary impairment, further analysis is required to determine the appropriate accounting. If management neither intends to sell the impaired security nor expects it will be required to sell the security prior to recovery, only the credit loss component of the other-than-temporary impairment is recognized in earnings while the non-credit loss is recognized in other comprehensive income. The credit loss component recognized in earnings is identified as the principal cash flows not expected to be received over the remaining term of the security as projected based on cash flow projections.

Loans Held For Sale [Policy Text Block]	'

	Loans (including Loans Held for Sale)
	Loans are classified as held for investment when management has both the intent and ability to hold the loan for the foreseeable future, or until maturity or payoff. Management’s intent and view of the foreseeable future may change based on changes in business strategies, the economic environment, market conditions and the availability of government programs. Loans that are held for investment are reported at the principal balance outstanding, net of unearned interest, unamortized deferred loan fees and costs and the allowance for loan losses. Loans held for sale are carried at the lower of amortized cost or estimated fair value, determined on an aggregate basis for each type of loan. Net unrealized losses are recognized by charges to income.

	Interest income is accrued based on the unpaid principal balance and includes amortization of net deferred loan fees and costs over the loan term. Interest income on mortgage and commercial loans is discontinued at the time the loan is 90 days delinquent unless the credit is well secured and in process of collection. In all cases, loans are placed on nonaccrual or charged-off at an earlier date if collection of principal or interest is considered doubtful. All interest accrued but not received for loans placed on nonaccrual status is reversed against interest income. Interest received on such loans is accounted for on the cash-basis or cost-recovery method, until qualifying for return to accrual. Loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured.

	When loans are transferred from held for investment to held for sale, specific reserves and allocated pooled reserves included in the allowance for loan and losses are reclassified to reduce the basis of the loans to the lower of cost or estimated fair value less cost to sell.

Finance, Loans and Leases Receivable, Policy [Policy Text Block]	'
	Allowance for Loan Losses: The allowance for loan losses is a valuation allowance for probable but unconfirmed credit losses, increased by the provision for loan losses and decreased by charge-offs net of recoveries. Loan losses are charged against the allowance when management believes the uncollectibility of a loan balance is confirmed. Subsequent recoveries, if any, are credited to the allowance. Management estimates the required allowance balance based on past loan loss experience, augmented by additional estimates related to the nature and volume of the portfolio, information about specific borrower situations, estimated collateral values, economic conditions and other factors.

	The allowance consists of both specific and general components. The specific component relates to loans that are classified as impaired. For those loans that are classified as impaired, an allowance is established when the collateral value, or value of expected discounted cash flows of the impaired loan is lower than the carrying value of that loan. The general component covers non-classified loans and is based on historical charge-off experience and expected loss given default derived from the Bank’s internal risk rating process. Management utilizes an average of a three year historical loss period. Management has the ability to adjust these loss rates by utilizing risk ratings based on current period trends. If current period trends differ either positively or negatively from the given weighted historical loss rates, adjustments can be made. Other adjustments may be made to the allowance for pools of loans after an assessment of internal or external influences on credit quality that are not fully reflected in the historical loss or risking rating data.

	Management also utilizes its assessment of general economic conditions, and other localized economic data to more fully support its loan loss estimates. General economic data may include: inflation rates, savings rates and national unemployment rates. Local data may include: unemployment rates, housing starts, real estate valuations, and other economic data specific to the Company’s market area. Though not specific to individual loans, these economic trends can have an impact on portfolio performance as a whole.

	Uncollectibility is usually determined based on a pre-determined number of days delinquent in the case of consumer loans, or, in the case of commercial loans, is based on a combination of factors including delinquency, collateral and other legal considerations. Consumer loans are charged-off prior to 120 days of delinquency, but could be charged off earlier, depending on the individual circumstances. Mortgage loans are charged down prior to 180 days of delinquency, but could be charged off sooner, again, depending upon individual circumstance. Typically, loans collateralized by residential real estate are partially charged down to the estimated liquidation value, which is generally based on appraisal less costs to hold and liquidate. Commercial and commercial real estate loans are evaluated for impairment and typically reserved based on the results of the analysis, then subsequently charged down to a recoverable value when loan repayment is deemed to be collateral dependent. Loans can be partially charged down depending on a number of factors including: the remaining strength of the borrower and guarantor; the type and value of the collateral, and the ease of liquidating collateral; and whether or not collateral is brought onto the bank’s balance sheet via repossession. In the case of commercial and commercial real estate loans, charge-offs, partial or whole, take place when management determines that full collectability of principal balance is unlikely to occur. Subsequent recoveries, if any, are credited to the allowance. Management’s policies for determining impairment, reserves and charge-offs are reviewed and approved by the Board of Directors on an annual basis, and were not materially changed in 2013.

	Troubled debt restructuring of loans is undertaken to improve the likelihood that the loan will be repaid in full under the modified terms in accordance with a reasonable repayment schedule. All modified loans are evaluated to determine whether the loans should be reported as a Troubled Debt Restructuring (TDR). A loan is a TDR when the Company, for economic or legal reasons related to the borrower’s financial difficulties, grants a concession to the borrower by modifying or renewing a loan that the Company would not otherwise consider. To make this determination, the Company must determine whether (a) the borrower is experiencing financial difficulties and (b) the Company granted the borrower a concession. This determination requires consideration of all of the facts and circumstances surrounding the modification. An overall general decline in the economy or some deterioration in a borrower’s financial condition does not automatically mean the borrower is experiencing financial difficulties.

Investment In Federal Home Loan Bank Stock [Policy Text Block]	'
	Investment in Federal Home Loan Bank Stock: The Company is required as a condition of membership in the Federal Home Loan Bank of Cincinnati (“FHLB”) to maintain an investment in FHLB common stock. The stock is redeemable at par and, therefore, its cost is equivalent to its redemption value. The Company’s ability to redeem FHLB shares is dependent on the redemption practices of the FHLB. The stock is carried at cost and evaluated for impairment.

Property, Plant and Equipment, Policy [Policy Text Block]	'
	Premises and Equipment: Land is carried at cost. Premises and equipment are stated at cost less accumulated depreciation. Depreciation is computed over the assets’ useful lives, estimated to be five to 39 years for buildings, improvements and leasehold improvements. The Company generally uses three to five years for the useful lives of furniture, fixtures, and equipment, using the straight line method, depending on the nature of the asset. Premises and equipment are reviewed for impairment when events indicate the carrying amount may not be recoverable. Maintenance and repairs are expensed and major improvements are capitalized.

Loans and Leases Receivable, Real Estate Acquired Through Foreclosure, Policy [Policy Text Block]	'
	Foreclosed Assets: Assets acquired through foreclosure are initially recorded at the lower of cost or fair value less expected selling costs. If fair value declines below the recorded amount, a valuation allowance is recorded through expense. The Company generally evaluates fair market values of foreclosed assets on a quarterly basis, and adjusts accordingly. Holding costs after acquisition are expensed as incurred; however, construction costs to improve a property’s value may be capitalized as part of the asset value.

Transfers and Servicing of Financial Assets, Policy [Policy Text Block]	'
	Servicing Assets: Servicing assets represent the allocated value of retained servicing on loans sold. Servicing assets are expensed in proportion to, and over the period of, estimated net servicing revenues. Impairment is evaluated based on the fair value of the assets, using groupings of the underlying loans as to interest rates, and then secondarily as to geographic and prepayment characteristics. Fair value is determined using prices for similar assets with similar characteristics, when available, or based upon discounted cash flows using market-based assumptions. Any impairment of a grouping is reported as a valuation allowance. Loans serviced for others totaled $2.9 million and $4.6 million at December 31, 2013 and 2012, respectively. The Company had net servicing assets of $5,000 and $11,000 at December 31, 2013 and 2012, respectively.

Bank Owned Life Insurance [Policy Text Block]	'
	Bank Owned Life Insurance: The Company has purchased life insurance policies on certain key executives. Bank owned life insurance is recorded at its cash surrender value.

Income Tax, Policy [Policy Text Block]	'
	Income Taxes: The Company accounts for income taxes in accordance with income tax accounting guidance (ASC 740, Income Taxes). The income tax accounting guidance results in two components of income tax expense: current and deferred. Current income tax expense reflects taxes to be paid or refunded for the current period by applying the provisions of the enacted tax law to the taxable income or excess of deductions over revenues. The Company determines deferred income taxes using the liability (or balance sheet) method. Under this method, the net deferred tax asset or liability is based on the tax effects of the differences between the book and tax basis of assets and liabilities, and enacted changes in tax rates and laws are recognized in the period in which they occur. Deferred tax assets are reduced by a valuation allowance, if, based on the weight of evidence available, it is more likely than not that some portion or all of a deferred tax asset will not be realized.

	Deferred income tax expense results from changes in deferred tax assets and liabilities between periods. Deferred tax assets are recognized if it is more likely than not, based on the technical merits, that the tax position will be realized or sustained upon examination. The term more likely than not means a likelihood of more than 50 percent; the terms examined and upon examination also include resolution of the related appeals or litigation processes, if any. A tax position that meets the more-likely-than-not recognition threshold is initially and subsequently measured as the largest amount of tax benefit that has a greater than 50 percent likelihood of being realized upon settlement with a taxing authority that has full knowledge of all relevant information. The determination of whether or not a tax position has met the more-likely-than-not recognition threshold considers the facts, circumstances and information available at the reporting date and is subject to management’s judgment. The Company recognizes interest and penalties on income taxes, if applicable, as a component of income tax expense. The Company files consolidated income tax returns with its subsidiaries.

Financial Instruments [Policy Text Block]	'
	Financial Instruments: Financial instruments include off-balance sheet credit instruments, such as commitments to make loans and standby letters of credit, issued to meet customer financing needs. The face amount for these items represents the exposure to loss, before considering customer collateral or ability to repay. Such financial instruments are recorded when they are funded.

Earnings per share	'
	Earnings (Loss) Per Common Share: Basic earnings (loss) per common share is net income (loss) divided by the weighted-average number of common shares outstanding during the period. Diluted earnings per common share are computed including the dilutive effect of additional potential common shares issuable under stock options. Diluted earnings (loss) per share are not computed for periods in which an operating loss is sustained.

	The computation of earnings (loss) per share is based upon the following weighted-average shares outstanding for the years ended December 31:

		2013	2012
	Weighted-average common shares outstanding (basic)	7,192,350	3,902,196
	Dilutive effect of assumed exercise of stock options	-	16,884
	Weighted-average common shares outstanding (diluted)	7,192,350	3,919,080

	Options to purchase 156,665 shares of common stock on December 31, 2013 were excluded from the computation of diluted earnings per share because of the loss incurred.

Stock-Based Compensation	'
	Stock-Based Compensation:
	The Company has a stock option plan for employees and directors as described in Note 9 (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 these 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 remeasurement 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.

Restrictions On Cash [Policy Text Block]	'
	Restrictions on Cash: Other deposits at the Federal Reserve Bank above the clearing balance requirements earn interest at an overnight rate, and are not restricted. In addition, $1.1 million is held in another institution and is under the control of a third party due to a contractual agreement.

Dividend Restrictions [Policy Text Block]	'
	Dividend Restrictions: Banking regulations require maintaining certain capital levels and may limit the dividends paid by the Bank to DCB or by DCB to shareholders. Due to limitations imposed by regulators for DCB and the Bank, both entities are required to receive regulatory approval prior to paying dividends.

Fair Value of Financial Instruments, Policy [Policy Text Block]	'
	Fair Value of Financial Instruments: Fair values of financial instruments are estimated using relevant market information and other assumptions, as more fully disclosed in a separate note. Fair value estimates involve uncertainties and matters of significant judgment regarding interest rates, credit risk, prepayments and other factors, especially in the absence of broad markets for particular items. Changes in assumptions or market conditions could significantly affect the estimates.

Advertising Costs, Policy [Policy Text Block]	'
	Advertising and Marketing: Advertising and other marketing costs are expensed as incurred.

Reclassification, Policy [Policy Text Block]	'
	Reclassification: Certain amounts in the prior year consolidated financial statements have been reclassified to conform to the 2013 presentation. These reclassifications had no effect on net income for any period presented.

New Accounting Pronouncements, Policy [Policy Text Block]	'
	New Accounting Pronouncements: In February 2013, the FASB issued ASU 2013-02, “Reporting of Amounts Reclassified Out of Accumulated Other Comprehensive Income.” This update requires entities to provide information about the amounts reclassified out of accumulated other comprehensive income by component. In addition, entities are required to present, either on the face of the statement where net income is presented or in the notes, significant amounts reclassified out of accumulated other comprehensive income by the respective line items of net income. The Company adopted this standard on January 1, 2013. The effect of adopting this standard increased the Company’s disclosure surrounding reclassification items out of accumulated other comprehensive income.

	In January 2014, the FASB issued ASU 2014-04, “Reclassification of Residential Real Estate Collateralized Consumer Mortgage Loans upon Foreclosure.” The objective of the amendments in ASU 2014-04 to Topic 310, “Receivables - Troubled Debt Restructurings by Creditors,” is to reduce diversity by clarifying when an in substance repossession or foreclosure occurs, that is, when a creditor should be considered to have received physical possession of residential real estate property collateralizing a consumer mortgage loan such that the loan receivable should be derecognized and the real estate property recognized. The amendments are effective for fiscal years, and interim periods within those years, beginning after December 31, 2014. An entity can elect to adopt the amendments using either a modified retrospective transition method or a prospective transition method. Early adoption is permitted. The adoption of this guidance is not expected to have a material impact on the Company’s Consolidated Financial Statements.

SUMMARY_OF_SIGNIFICANT_ACCOUNT2

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Tables)	12 Months Ended
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Tables)	Dec. 31, 2013
Accounting Policies [Abstract]	'
Weighted-average shares for basic and diluted earnings per share [Table Text Block]	'
	The computation of earnings (loss) per share is based upon the following weighted-average shares outstanding for the years ended December 31:

		2013	2012
	Weighted-average common shares outstanding (basic)	7,192,350	3,902,196
	Dilutive effect of assumed exercise of stock options	-	16,884
	Weighted-average common shares outstanding (diluted)	7,192,350	3,919,080

ASSETS_AND_DEPOSITS_HELD_FOR_S1

ASSETS AND DEPOSITS HELD FOR SALE (Tables)	12 Months Ended
ASSETS AND DEPOSITS HELD FOR SALE (Tables)	Dec. 31, 2013
Disclosure Of Loans Held For Sale [Table Text Block]	'
	The following loans attributable to the Marysville branch are included in loans held-for-sale (in thousands):

	Commercial and industrial	$	817
	Residential real estate and home equity		2,378
	Consumer and credit card		2,402
	Total	$	5,597

Disclosure of Long Lived Assets Held-for-sale [Table Text Block]	'
	The following are included in premises and equipment held-for-sale (in thousands):

	Land	$	633
	Building and improvements		935
	Furniture and fixtures		8
	Subtotal		1,576
	Less: Accumulated depreciation		171
	Total	$	1,405

Schedule Of Deposits Held For Sale [Table Text Block]	'
	The following are included in deposits held for sale (in thousands):

	Non interest-bearing demand	$	3,089
	Interest-bearing demand		9,847
	Money market		2,398
	Savings deposits		2,217
	Time deposits		5,020
	Total	$	22,571

SECURITIES_Tables

SECURITIES (Tables)	12 Months Ended
SECURITIES (Tables)	Dec. 31, 2013
Investments, Debt and Equity Securities [Abstract]	'
Schedule of Available-for-sale Securities Reconciliation [Table Text Block]	'
	The amortized cost and estimated fair values of securities available-for-sale were as follows (in thousands):

		Amortized Costs			Gross Unrealized Gains			Gross Unrealized Losses			Fair Value

	U.S. Government and agency obligations	$	13,714		$	16		$	-428		$	13,302
	Corporate bonds		6,187			42			-61			6,168
	States and municipal obligations		20,651			283			-484			20,450
	Collateralized debt obligations		1,916			-			-940			976
	Mortgage-backed securities		38,652			731			-331			39,052
	Total	$	81,120		$	1,072		$	-2,244		$	79,948


	The amortized cost and estimated fair values of securities available-for-sale were as follows (in thousands):

		Amortized Cost			Gross Unrealized Gains			Gross Unrealized Losses			Fair Value

	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

Held-to-maturity Securities [Table Text Block]	'
		Adjusted			Gross			Estimated
		Amortized			Unrealized			Fair
		Cost			Gains			Value

	Collateralized debt obligations	$	1,149		$	941		$	2,090

Schedule of Temporary Impairment Losses, Investments [Table Text Block]	'
	31-Dec-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		securities		value			losses			securities			value			losses			securities			value			losses
	U.S. Government and agency obligations		10		$	10,680		$	428			-		$	-		$	-			10		$	10,680		$	428
	Corporate bonds		5			2,141			38			2			883			23			7			3,024			61
	State and municipal obligations		32			11,012			442			2			822			42			34			11,834			484
	Collateralized debt obligations		-			-			-			1			976			940			1			976			940
	Mortgage-backed securities and other		11			8,445			231			2			1,189			100			13			9,634			331

	Total temporarily impaired securities		58		$	32,278		$	1,139			7		$	3,870			1,105			65		$	36,148		$	2,244


	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	securities		value			losses			securities			value			losses			securities		value			losses
	U.S. Government and agency obligations	3		$	3,649		$	18			-		$	-		$	-		3		$	3,649		$	18
	Corporate bonds	1			501			2			-			-			-		1			501			2
	State and municipal obligations	5			1,630			31			-			-			-		5			1,630			31
	Mortgage- backed securities and other	6			4,065			29			-			-			-		6			4,065			29

	Total temporarily impaired securities	15		$	9,845		$	80			-		$	-		$	-		15		$	9,845		$	80

Other than Temporary Impairment, Credit Losses Recognized in Earnings [Table Text Block]	'
	The following table provides information about credit losses on investments that were recognized in income (in thousands).
		2013			2012
	Credit losses on debt securities held to maturity
	Accumulated credit losses at beginning of year	$	4,015		$	4,015
	Realized upon sale of security		-2,931			-
	Accumulated credit losses at end of year	$	1,084		$	4,015

Investments Classified by Contractual Maturity Date [Table Text Block]	'
		Available-for-sale
		Amortized			Fair
		Cost			Value
	Due in one year or less	$	1,034		$	1,038
	Due from one to five years		8,545			8,574
	Due from five to ten years		21,249			20,906
	Due after ten years		11,640			10,378
	Mortgage-backed and related securities		38,652			39,052

	Total	$	81,120		$	79,948

Sales Of Investment In Securities Disclosure [Table Text Block]	'
	Sales of investment securities during the years ended December 31, 2013 and 2012 were as follows (in thousands):

		2013			2012

	Proceeds from investments sales	$	2,560		$	13,409
	Gross gains on investment sales	$	135		$	508
	Gross losses on investment sales	$	-		$	-

LOANS_Tables

LOANS (Tables)	12 Months Ended
LOANS (Tables)	Dec. 31, 2013
Receivables [Abstract]	'
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]	'
	At December 31, 2013, loans were comprised of the following (in thousands):

		2013		2012

	Commercial and industrial	$	122,084	$	112,300
	Commercial real estate		104,692		111,417
	Residential real estate and home equity		96,245		72,137
	Consumer and credit card		32,862		21,620
	Subtotal		355,883		317,474
	Add: Net deferred loan origination fees		165		30

	Total loans receivable	$	356,048	$	317,504

Schedule Of Loans To Related Parties [Table Text Block]	'
	Loans to principal officers, directors, and their related affiliates during 2013 and 2012 in the normal course of business were as follows.

		2013		2012

	Balance at beginning of year	$	469	$	638
	New loans		1,058		371
	Repayments		-87		-540
	Balance at end of year	$	1,440	$	469

CREDIT_QUALITY_Tables

CREDIT QUALITY (Tables)	12 Months Ended
CREDIT QUALITY (Tables)	Dec. 31, 2013
Credit Quality [Abstract]	'
Allowance for Credit Losses on Financing Receivables [Table Text Block]	'
	The table below presents allowance for loan losses by loan portfolio (in thousands). Commercial real estate includes real estate construction and land development loans.

	For the Year Ended December 31, 2013:

		Consumer and		Commercial and		Commercial		Residential		Total
		Credit Card		Industrial		Real Estate		Real Estate
								and
								Home Equity
	Allowance for loan losses:
	Beginning balance:	$	365	$	1,620	$	4,692	$	204	$	6,881
	Chargeoffs		-286		-86		-1,038		-331		-1,741
	Recoveries		219		823		38		52		1,132
	Transfer to held for sale		-		-		-1,965		-		-1,965
	Provision		3		874		1,246		294		2,417
	Ending balance:	$	301	$	3,231	$	2,973	$	219	$	6,724

	Allowance on loans:
	Individually evaluated for impairment	$	-	$	2,304	$	1,862	$	-	$	4,166
	Collectively evaluated for impairment		301		927		1,111		219		2,558
	Ending balance:	$	301	$	3,231	$	2,973	$	219	$	6,724

	As of December 31, 2013:

	Loans:
	Individually evaluated for impairment	$	-	$	7,221	$	15,660	$	-	$	22,881
	Collectively evaluated for impairment		32,862		114,863		89,032		96,245		333,002
	Ending balance:	$	32,862	$	122,084	$	104,692	$	96,245	$	355,883

	For the year ended December 31, 2012

		Consumer and		Commercial and		Commercial		Residential		Total
		Credit Card		Industrial		Real Estate		Real Estate
								and
								Home Equity
	Allowance for loan losses:
	Beginning Balance	$	425	$	1,952	$	6,916	$	291	$	9,584
	Charge Offs		-372		-1,926		-1,366		-74		-3,738
	Recoveries		224		251		47		18		540
	Provision		88		1,343		-905		-31		495
	Ending Balance	$	365	$	1,620	$	4,692	$	204	$	6,881

	Allowance on loans:
	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

	At December 31, 2012

	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

Recorded investment, unpaid balance and related allowance [Table Text Block]	'
	The following table indicates impaired loans with and without an allocated allowance at December 31, 2013 (in thousands).

		Recorded Investment		Unpaid Principal Balance		Related Allowance		Average Recorded Investment		Interest Income Recognized
	With no related allowance recorded
	Commercial and industrial	$	1,530	$	1,530	$	-	$	3,081	$	67
	Commercial real estate		9,892		11,788		-		10,005		615
	With allowance recorded
	Commercial and industrial		5,691		5,833		2,304		2,686		196
	Commercial real estate		5,768		7,296		1,862		10,060		308

	Total
	Commercial and industrial		7,221		7,363		2,304		5,767		263
	Commercial real estate		15,660		19,084		1,862		20,065		923

	Total	$	22,881	$	26,447	$	4,166	$	25,832	$	1,186

	The following table indicates impaired loans with and without an allocated allowance at December 31, 2012 (in thousands).

		Recorded Investment		Unpaid Principal Balance		Related Allowance		Average Recorded Investment		Interest Income Recognized
	With no related allowance recorded
	Commercial and industrial	$	4,288	$	4,437	$	-	$	3,557	$	268
	Commercial real estate		5,507		5,998		-		10,067		241

	With allowance recorded
	Commercial and industrial		1,183		1,248		340		6,208		65
	Commercial real estate		16,376		20,008		3,400		15,965		820

	Total
	Commercial and industrial		5,471		5,685		340		9,765		333
	Commercial real estate		21,883		26,006		3,400		26,032		1,061

	Total	$	27,354	$	31,691	$	3,740	$	35,797	$	1,394

Schedule of Financing Receivables, Non Accrual Status [Table Text Block]	'
	Loans on nonaccrual status as of December 31, 2013 and 2012 are as follows (in thousands):

		2013		2012
	Consumer and credit card	$	-	$	-
	Commercial and industrial		4,702		2,815
	Commercial real estate		1,398		2,195
	Residential real estate and home equity		352		321

	Total	$	6,452	$	5,331

Financing Receivable Credit Quality Indicators [Table Text Block]	'
	Credit risk exposure by risk profile and by class of commercial loans was as follows at year-end 2013 (in thousands).

	Category	Commercial and		Commercial
	Category	Industrial		Real Estate

	Pass-1-4	$	111,266	$	83,953
	Vulnerable-5		2,574		4,785
	Substandard-6		8,244		15,954
	Doubtful-7		-		-
	Loss-8		-		-

	Total	$	122,084	$	104,692

	Credit risk exposure by risk profile and by class of commercial loans was as follows at year-end 2012 (in thousands).

	Category	Commercial and		Commercial
	Category	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 [Table Text Block]	'
	The following table presents the recorded investment in consumer loans and residential real estate loans based on payment activity at the dates indicated (in thousands).

		December 31, 2013
	Payment Category	Consumer and		Residential Real
		Credit Card		Estate and Home
				Equity
	Performing	$	32,862	$	95,893
	Non-Performing		-		352

	Total	$	32,862	$	96,245

		December 31, 2012
	Payment Category	Consumer and		Residential Real
		Credit Card		Estate and Home
				Equity
	Performing	$	21,592	$	71,816
	Non-Performing		28		321

	Total	$	21,620	$	72,137

Past Due Financing Receivables [Table Text Block]	'
	The following table presents past due loans aged as of December 31, 2013 (in thousands).

	Category	30-59 Days		60-89		Greater		Total		Current		Total Loans		Recorded
		Past Due		Days		than 90		Past Due						Investment
				Past		Days Past								> 90 days
				Due		Due								and
														Accruing

	Consumer and Credit Card	$	90	$	92	$	-	$	182	$	32,680	$	32,862	$	-
	Commercial and Industrial		407		-		1,001		1,408		120,676		122,084		-
	Commercial Real Estate		49		-		682		731		103,961		104,692		-
	Residential Real Estate and Home Equity		374		197		321		892		95,353		96,245		-
	Total	$	920	$	289	$	2,004	$	3,213	$	352,670	$	355,883	$	-

	The following table presents past due loans aged as of December 31, 2012 (in thousands).

	Category	30-59 Days		60-89		90 Days		Total		Current		Total Loans		Recorded
		Past Due		Days		or more		Past Due						Investment
				Past		Past Due								> 90 days
				Due										and
														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 home equity		444		289		321		1,054		71,083		72,137		-
	Total	$	1,039	$	504	$	2,570	$	4,113	$	313,361	$	317,474	$	28


Schedule of Debtor Troubled Debt Restructuring, Current Period [Table Text Block]	'
	Information regarding Troubled Debt Restructuring (“TDR”) loans for the year ended December 31, 2013 and 2012 is as follows (dollars in thousands):

		2013				2012
		Number of		Post-		Number of		Post-
		contracts		modification		contracts		modification
				outstanding				outstanding
				recorded				recorded
				investment				investment
	Consumer and credit card		-	$	-		8	$	201
	Commercial and industrial		4		1,081		-		-
	Commercial real estate		8		3,905		4		6,113
	Residential real estate and home equity		-		-		-		-
	Total		12	$	4,986		12	$	6,314


	The following presents by class loans modified in a TDR during the years ended December 31, 2013 and 2012 that subsequently defaulted (i.e. 60 days or more past due following a modification) during the next twelve month periods (in thousands).

		December 31, 2013				December 31, 2012
		Number		Post-Modification		Number		Post-Modification
		of		Outstanding		of		Outstanding
		Contracts		Recorded Investment		Contracts		Recorded Investment
	Consumer and Credit Card		-	$	-		1	$	1
	Commercial and Industrial		3		1,075		-		-
	Commercial Real Estate		1		484		1		1,076
	Residential Real Estate and Home Equity		-		-		-		-

	Total		4	$	1,559		2	$	1,077

PREMISES_AND_EQUIPMENT_Tables

PREMISES AND EQUIPMENT (Tables)	12 Months Ended
PREMISES AND EQUIPMENT (Tables)	Dec. 31, 2013
Property, Plant and Equipment [Abstract]	'
Property, Plant and Equipment [Table Text Block]	'
	Premises and equipment were as follows at the dates indicated (in thousands):

		December 31,
		2013		2012

	Land	$	1,266	$	1,899
	Buildings		13,277		13,787
	Furniture and equipment		9,836		9,603
	Subtotal		24,379		25,289
	Accumulated depreciation		-14,329		-13,635
	Total premises and equipment		10,050		11,654
	Software, net of accumulated amortization		591		382

	Total premises and equipment	$	10,641	$	12,036

Schedule of Future Minimum Rental Payments for Operating Leases [Table Text Block]	'
	The total future minimum lease commitments at December 31, 2013 under these leases are summarized as follows (in thousands).

	2014	$	562
	2015		551
	2016		544
	2017		322
	2018		194
	Thereafter		383
	Total	$	2,556

INTERESTBEARING_DEPOSITS_Table

INTEREST-BEARING DEPOSITS (Tables)	12 Months Ended
INTEREST-BEARING DEPOSITS (Tables)	Dec. 31, 2013
Banking and Thrift [Abstract]	'
Schedule Of Interest Bearing Deposits [Table Text Block]	'
	Interest-bearing deposits were as follows at the dates indicated (in thousands):

		December 31,
		2013		2012

	Interest-bearing demand	$	45,733	$	74,993
	Money market		20,251		101,954
	Savings deposits		166,866		36,895
	Time deposits
	In denominations under $100,000		60,850		87,308
	In denominations of $100,000 or more		23,537		51,293

	Total	$	317,237	$	352,443

Schedule Of Time Deposits By Maturity [Table Text Block]	'
	Scheduled maturities of time deposits were as follows (in thousands):

	2014	$	66,377
	2015		11,209
	2016		5,897
	2017		683
	2018 and after		221
	Total	$	84,387

BORROWED_FUNDS_Tables

BORROWED FUNDS (Tables)	12 Months Ended
BORROWED FUNDS (Tables)	Dec. 31, 2013
Debt Disclosure [Abstract]	'
Schedule Of Outstanding Borrowing [Table Text Block]	'
	The following is a summary of borrowings outstanding at year ending December 31 2013 and 2012 (in thousands):

		2013		2012

	Total Borrowings:
	FHLB advances	$	4,838	$	7,498

Schedule of Federal Home Loan Bank, Advances, by Branch of FHLB Bank [Table Text Block]	'
	As of the dates indicated, the contractual amounts of FHLB long term advances mature as follows (in thousands).

		December 31, 2013					December 31, 2012

	Maturing	Amount		Weighted			Amount		Weighted
	Maturing	Amount		Average Rate			Amount		Average Rate
	2013	$	-		-	%	$	454		3.08	%
	2014		-		-	%		888		4.1	%
	2015		257		0.51	%		4,048		4.94	%
	2016		1,530		0.84	%		-		-	%
	2017		590		1.12	%		-		-	%
	2018 and after		2,461		2.42	%		2,108		4.34	%
		$	4,838		1.66	%	$	7,498		4.56	%

STOCKBASED_COMPENSATION_Tables

STOCK-BASED COMPENSATION (Tables)	12 Months Ended
STOCK-BASED COMPENSATION (Tables)	Dec. 31, 2013
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]	'
Schedule of Share-based Compensation, Stock Options, Activity [Table Text Block]	'
	A summary of the status of the Company’s stock option plan as of December 31, 2013, and changes during the year is presented below:

		Shares		Weighted		Weighted	Aggregate
				Average Exercise		Average Remaining	Intrinsic
				Price		Contractual Life	Value

	Outstanding at beginning of year	261,098		$	10.38	7.2 years
	Granted	13,889			5.4	9.2 years
	Exercised	-3,818			3.5	-
	Forfeited	-20,651			13.98	-

	Outstanding at end of year	250,518		$	9.91	6.4 years	$	316,704

	Options exercisable at year end	145,615		$	13.79	5.0 years	$	134,519

	Weighted-average fair value of options granted during the year ended December 31, 2013			$	2.45

	Weighted-average fair value of options granted during the year ended December 31, 2012			$	1.97

Schedule of Nonvested Share Activity [Table Text Block]	'
	The intrinsic value of options exercised during 2013 and 2012 were $7,000 and $1,000 respectively.

	The following table depicts activity in nonvested shares in 2013.

		Nonvested
		Shares
	Nonvested at January 1, 2013	138,661
	Granted	13,889
	Vested	-39,072
	Forfeited or expired	-8,575
	Nonvested at December 31, 2013	104,903

Schedule of Share-based Compensation, Shares Authorized under Stock Option Plans, by Exercise Price Range [Table Text Block]	'
	The following information applies to options outstanding at December 31, 2013:

	Number Outstanding		Range Of Exercise Prices
	46,039		$23.00 - $30.70
	25,612		$14.15 - $16.90
	22,202		$7.50 - $9.00
	156,665		$3.50 - $5.40

FEDERAL_INCOME_TAXES_Tables

FEDERAL INCOME TAXES (Tables)	12 Months Ended
FEDERAL INCOME TAXES (Tables)	Dec. 31, 2013
Income Tax Disclosure [Abstract]	'
Schedule of Components of Income Tax Expense (Benefit) [Table Text Block]	'
	Income tax expense (benefit) for the years ended December 31, 2013 and 2012 included the following components (in thousands).

		2013		2012
	Current	$	-	$	-
	Deferred		-1,918		88
	Valuation allowance		1,620		-157
	Totals	$	-298	$	-69

Schedule of Effective Income Tax Rate Reconciliation [Table Text Block]	'
	The difference between the financial statement tax provision and amounts computed by applying the statutory federal income tax rate to income before income taxes was as follows (in thousands):

		2013		2012
	Income tax benefit computed at the statutory federal income tax rate	$	-1,098	$	181
	Tax exempt income		-1,002		-360
	Change in valuation allowance		1,620		217
	Other		-324		-107
	Totals	$	-298	$	-69

Schedule of Deferred Tax Assets and Liabilities [Table Text Block]	'
	Year-end deferred tax assets and liabilities were comprised of the following (in thousands).

		2013		2012
	Deferred tax assets
	Allowance for loan losses	$	3,369	$	2,340
	Depreciation		92		117
	Deferred compensation		54		159
	Alternative minimum tax carry forward		145		145
	Other-than-temporary impairment losses		369		1,365
	Other		151		200
	Expenses on foreclosed real estate		70		370
	Unrealized loss on other-than-temporary impairment on held-to-maturity securities		-		975
	NOL carry forward		7,460		5,012
	Subtotal		11,710		10,683

	Deferred tax liabilities
	FHLB stock dividends		-455		-455
	Unrealized loss (gain) on available-for-sale securities		399		-676
	Other		-87		-4
	Subtotal		-143		-1,135
	Net deferred tax asset		11,567		9,548
	Less: valuation allowance		-11,168		-9,548
	Total	$	399	$	-

COMMITMENTS_CONTINGENCIES_AND_1

COMMITMENTS, CONTINGENCIES AND FINANCIAL INSTRUMENTS WITH OFF-BALANCE SHEET RISK (Tables)	12 Months Ended
	Dec. 31, 2013
Commitments and Contingencies Disclosure [Abstract]	'
Contractual Amount Of Financing Instruments With Off BalanceSheet Risk [Table Text Block]	'
	The contractual amount of financing instruments with off-balance sheet risk was as follows at year-end (in thousands).

		2013				2012
		Fixed		Variable		Fixed		Variable
		rate		rate		rate		rate

	Commitments to extend credit	$	1,475	$	22,983	$	3,769	$	27,074
	Unused lines of credit and letters of credit	$	1,113	$	92,237	$	1,230	$	87,251

REGULATORY_CAPITAL_Tables

REGULATORY CAPITAL (Tables)	12 Months Ended
REGULATORY CAPITAL (Tables)	Dec. 31, 2013
Mortgage Banking [Abstract]	'
Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations [Table Text Block]	'
	Actual and required capital ratios are presented below at year-end (Dollars in thousands).

		Actual					For capital adequacy purposes				To be well capitalized under Prompt Corrective Action Provisions (in
											2013) and pursuant to the Consent Order and Written Agreement
											-2012
		Amount		Ratio			Amount		Ratio		Amount		Ratio
	December 31, 2013:
	Total capital to risk-weighted assets
	Consolidated	$	50,644		13.82	%	$	29,321	8	%		N/A		N/A
	Bank	$	49,473		13.5	%	$	29,321	8	%	$	36,651		10	%
	Tier-1 (core) capital to risk-weighted assets
	Consolidated	$	46,036		12.56	%	$	14,661	4	%		N/A		N/A
	Bank	$	44,865		12.24	%	$	14,661	4	%	$	21,992		6	%
	Tier-1 (core) capital to average assets
	Consolidated	$	46,036		9	%	$	20,456	4	%		N/A		N/A
	Bank	$	44,865		8.77	%	$	20,456	4	%	$	25,570		5	%

	December 31, 2012:
	Total capital to risk-weighted assets
	Consolidated	$	53,808		13.46	%	$	31,990	8	%		N/A		N/A
	Bank	$	44,505		11.02	%	$	32,320	8	%	$	52,519		13	%
	Tier-1 (core) capital to risk-weighted assets
	Consolidated	$	48,968		12.25	%	$	15,995	4	%		N/A		N/A
	Bank	$	39,665		9.82	%	$	16,160	4	%	$	36,360		9	%
	Tier-1 (core) capital to average assets
	Consolidated	$	48,968		9.79	%	$	20,017	4	%		N/A		N/A
	Bank	$	39,665		7.93	%	$	20,017	4	%	$	45,038		9	%

FAIR_VALUE_MEASUREMENTS_Tables

FAIR VALUE MEASUREMENTS (Tables)	12 Months Ended
FAIR VALUE MEASUREMENTS (Tables)	Dec. 31, 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 December 31, 2013:

			Carrying Amount		Fair Value		Level 1		Level 2		Level 3
	Financial assets
	Cash and cash equivalents		$	25,357	$	25,357	$	25,357
	Securities available-for-sale			79,948		79,948			$	78,972	$	976
	Loans (net of allowance) ⁽¹⁾			357,130		348,295						348,295
	FHLB stock			3,799		3,799				3,799
	Accrued interest receivable			1,356		1,356						1,356

	Financial liabilities
	Noninterest-bearing deposits ⁽²⁾		$	116,847	$	116,847			$	116,847
	Interest-bearing deposits ⁽²⁾			336,719		337,590				337,590
	FHLB advances			4,838		4,838				4,838
	Accrued interest payable			112		112						112

		-1	Includes loans held for sale
		-2	Includes deposits held for sale

				Carrying Amount		Fair Value		Level 1		Level 2		Level 3

	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 December 31, 2013 and December 31, 2012 (in thousands):

					Fair Value Measurements Using
	December 31, 2013		Fair Value		Quoted Prices in		Significant Other		Significant
					Active Markets for		Observable Inputs		Unobservable
					Identical Assets		(Level 2)		Inputs
					(Level 1)				(Level 3)

	U.S. Government and agency obligations		$	13,302	$	-	$	13,302	$	-
	State and municipal obligations			20,450		-		20,450		-
	Corporate bonds			6,168		-		6,168		-
	Collateralized debt obligation			976		-		-		976
	Mortgage-backed securities and other			39,052		-		39,052		-
	Total		$	79,948	$	-	$	78,972	$	976

					Fair Value Measurements Using
	December 31, 2012		Fair Value		Quoted Prices in		Significant Other		Significant
					Active Markets for		Observable Inputs		Unobservable
					Identical Assets		(Level 2)		Inputs
					(Level 1)				(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 and other securities			44,334		-		44,334		-
	Total		$	87,197	$	-	$	87,197	$	-

Level 3 Fair Value Measurements	'
	The table below presents a rollforward of the balance sheet amounts for the year ended December 31, 2013 for the collateralized debt obligation measured on a recurring basis and classified as Level 3. The classification of an item as Level 3 is based on the significance of the unobservable inputs to the overall fair value measurement.

	Level 3 Fair Value Measurements
	Year ended December 31, 2013
	Balance, beginning of year		$	-
	Transferred from held-to-maturity during the year			1,004
	Total gains/losses:
	Included in earnings			-
	Included in other comprehensive loss			-28
	Balance, end of year		$	976

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 December 31, 2013 and 2012 (in thousands).

	December 31, 2013				Fair Value Measurements Using
			Fair Value		Quoted Prices in Active		Significant Other		Significant
					Markets for		Observable Inputs		Unobservable
					Identical Assets		(Level 2)		Inputs
					(Level 1)				(Level 3)
	Impaired loans		$	22,881		-		-	$	22,881
	Real estate owned			1,219		-		-		1,219

	December 31, 2012				Fair Value Measurements Using
			Fair Value		Quoted Prices in Active		Significant Other		Significant
					Markets for		Observable Inputs		Unobservable
					Identical Assets		(Level 2)		Inputs
					(Level 1)				(Level 3)
	Collateralized debt obligations		$	2,090	$	-	$	-	$	2,090
	Impaired loans			23,370		-		-		23,370
	Real estate owned			3,671		-		-		3,671

PARENT_COMPANY_FINANCIAL_INFOR1

PARENT COMPANY FINANCIAL INFORMATION (Tables)	12 Months Ended
PARENT COMPANY FINANCIAL INFORMATION (Tables)	Dec. 31, 2013
Condensed Financial Information of Parent Company Only Disclosure [Abstract]	'
Condensed Balance Sheet [Table Text Block]	'
	CONDENSED BALANCE SHEETS

		2013		2012
	Assets
	Cash	$	948	$	13,332
	Investment in subsidiaries		44,336		39,249

	Total assets	$	45,284	$	52,581

	Liabilities
	Other liabilities	$	20	$	84
	Payables to subsidiaries		-		4,108

	Shareholders’ Equity		45,264		48,389

	Total liabilities and shareholders’ equity	$	45,284	$	52,581

Condensed Income Statement [Table Text Block]	'

	CONDENSED STATEMENTS OF OPERATIONS

		2013		2012

	Dividends from subsidiaries	$	-	$	-
	Equity in undistributed (loss) earnings of subsidiaries		-2,805		4,781
	Other		-		-
	Total income (loss) income		-2,805		4,781
	Operating expenses		-126		444
	Federal income tax		-		-

	Net (loss) income	$	-2,931	$	4,337

Condensed Cash Flow Statement [Table Text Block]	'
	CONDENSED STATEMENTS OF CASH FLOWS

		2013		2012
	Cash flows from operating activities
	Net (loss) income	$	-2,931	$	4,337
	Adjustments to reconcile net (loss) income to cash provided by operating activities:
	Excess distributions from subsidiaries		2,805		-4,781
	Net change in other assets and liabilities		-4,171		59
	Net cash from operating activities		-4,297		-385

	Cash flows used in investing activities
	Investments in affiliates		5		-
	Net cash from investing activities		5		-

	Cash flows from financing activities
	Repayment of short-term borrowings		-		-
	Capitalized interest of intercompany payable		-		373
	Investment in Subsidiary		-8,092		-
	Proceeds from issuance of common stock		-		12,931
	Net cash from financing activities		-8,092		13,304

	Net change in cash		-12,382		12,919

	Cash at beginning of year		13,332		413

	Cash at end of year	$	948	$	13,332

DETAILS_OF_OPERATING_EXPENSES_

DETAILS OF OPERATING EXPENSES (Tables)	12 Months Ended
DETAILS OF OPERATING EXPENSES (Tables)	Dec. 31, 2013
Other Income and Expenses [Abstract]	'
Summary Of Composition Of Occupancy And Equipmen tExpenses [Table Text Block]	'
	The following table details the composition of occupancy and equipment expenses for the years ended December 31, 2013 and 2012.

	(In thousands)	2013		2012

	Bank occupancy expense	$	1,590	$	748
	Equipment lease		342		46
	Equipment depreciation		303		879
	Software maintenance		824		750
	Other		10		485

	Total	$	3,069	$	2,908


Schedule of Other Operating Cost and Expense, by Component [Table Text Block]	'
	The following table details the composition of other operating expenses for the years ended December 31, 2013 and 2012.

	(In thousands)	2013		2012

	ATM and debit cards	$	772	$	653
	Telephone		320		331
	Loan		482		529
	Real estate taxes		281		351
	OREO expenses		22		328
	Other operating		1,065		1,280

	Total	$	2,942	$	3,472

QUARTERLY_FINANCIAL_DATA_Unaud1

QUARTERLY FINANCIAL DATA (Unaudited) (Tables)	12 Months Ended
QUARTERLY FINANCIAL DATA (Unaudited) (Tables)	Dec. 31, 2013
Quarterly Financial Information Disclosure [Abstract]	'
Schedule of Quarterly Financial Information [Table Text Block]	'
	The following tables summarize the Company’s quarterly results for the years ended December 31, 2013 and 2012.

	(Dollars in thousands, except share and per share data)	2013
		Fourth		Third		Second		First
	Interest income	$	4,372	$	4,316	$	4,245	$	4,146
	Interest expense		369		425		494		530
	Net interest income		4,003		3,891		3,751		3,616
	Provision for loan losses		3,307		-		-240		-650
	Net interest income after provision for loan losses		696		3,891		3,991		4,266
	Other non-interest income		1,116		1,192		1,351		1,308
	Other non-interest expense		4,914		5,230		5,440		5,456
	(Loss) income before income tax expense		-3,102		-147		-98		118
	Income tax benefit		-		-20		-254		-24
	Net (loss) income	$	-3,102	$	-127	$	156	$	142

	Stock and related per share data
	Basic and diluted (loss) earnings per common share	$	-0.43	$	-0.02	$	0.02	$	0.02
	Basic weighted average common shares outstanding		7,192,350		7,192,350		7,192,350		7,192,350
	Diluted weighted average common shares outstanding		7,192,350		7,192,350		7,227,901		7,223,144


	(Dollars in thousands, except share and per share data)	2012
		Fourth		Third		Second		First
	Interest income	$	4,505	$	4,579	$	4,725	$	5,039
	Interest expense		605		743		857		1,033
	Net interest income		3,900		3,836		3,868		4,006
	Provision for loan losses		-300		65		255		475
	Net interest income after provision for loan losses		4,200		3,771		3,613		3,531
	Other non-interest income		944		1,158		1,234		1,688
	Other non-interest expense		5,203		4,750		4,782		4,871
	(Loss) income before income tax expense		-59		179		65		348
	Income tax expense (benefit)		87		-127		-218		189
	Net (loss) income	$	-146	$	306	$	283	$	159

	Stock and related per share data
	Basic and diluted (loss) earnings per common share	$	-0.03	$	0.08	$	0.08	$	0.04
	Basic weighted average common shares outstanding		3,902,196		3,717,385		3,717,385		3,717,385
	Diluted weighted average common shares outstanding		3,902,196		3,739,777		3,740,349		3,736,217

SUBSEQUENT_EVENT_Tables

SUBSEQUENT EVENT (Tables)	12 Months Ended
SUBSEQUENT EVENT (Tables)	Dec. 31, 2013
Subsequent Events [Abstract]	'
Schedule of Subsequent Events [Table Text Block]	'
	The amounts related to the sale are as follows (in thousands):

	Deposits assumed	$	19,403
	Loans sold (at book value)		-4,750
	Property and equipment (agreed upon value)		-1,500
	Cash on hand		-261
	Premium on deposits		-441
	Other, net		13
	Cash paid to Merchants	$	12,464

SUMMARY_OF_SIGNIFICANT_ACCOUNT3

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Details)	3 Months Ended								12 Months Ended
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Details)	Dec. 31, 2013	Sep. 30, 2013	Jun. 30, 2013	Mar. 31, 2013	Dec. 31, 2012	Sep. 30, 2012	Jun. 30, 2012	Mar. 31, 2012	Dec. 31, 2013	Dec. 31, 2012
Weighted-average shares for basic and diluted earnings per share	'	'	'	'	'	'	'	'	'	'
Weighted-average common shares outstanding (basic)	7,192,350	7,192,350	7,192,350	7,192,350	3,902,196	3,717,385	3,717,385	3,717,385	7,192,350	3,902,196
Dilutive effect of assumed exercise of stock options	'	'	'	'	'	'	'	'	0	16,884
Weighted-average common shares outstanding (diluted)	7,192,350	7,192,350	7,227,901	7,223,144	3,902,196	3,739,777	3,740,349	3,736,217	7,192,350	3,919,080

SUMMARY_OF_SIGNIFICANT_ACCOUNT4

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Details Textual) (USD $)	12 Months Ended
	Dec. 31, 2013	Dec. 31, 2012
	Locations	Dec. 31, 2012
Summary of Significant Accounting Policies (Textual) [Abstract]	'	'
Consumer Loans Charged Off Delinquency Period	'120 days	'
Mortgage Loans Charge Off Delinquency Period	'180 days	'
Loan Serviced For Others	$2,900,000	$4,600,000
Aggregate Cash Reserves Required At Federal Reserve Bank	1,100,000	'
Number Of Locations Of Offices	14	'
Maturity Period Of Deposits With Othe rFinancial Institution To Be Classified As Cash And Cash Equivalents Maximum	'less than 90 days	'
Period Of Historical Loss Data Considered For Future Loss Expectations	'3 years	'
Interest Income On Mortgage And Commercial Loans Discontinuation Period	'90 days	'
Servicing Asset, Total	$5,000	$11,000
Percentage Of Income Tax Examination Minimum Likelihood Of Tax Benefits Being Realized Upon Examination	50.00%	'
Percentage Of Income Tax Examination Minimum Likelihood Of Tax Benefits Being Realized Upon Settlement	50.00%	'
Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount	156,665	'
Buildings [Member] \| Maximum [Member]	'	'
Summary of Significant Accounting Policies (Textual) [Abstract]	'	'
Property, Plant and Equipment, Useful Life	'39 years	'
Buildings [Member] \| Minimum [Member]	'	'
Summary of Significant Accounting Policies (Textual) [Abstract]	'	'
Property, Plant and Equipment, Useful Life	'0 years	'
Furniture and equipment [Member] \| Maximum [Member]	'	'
Summary of Significant Accounting Policies (Textual) [Abstract]	'	'
Property, Plant and Equipment, Useful Life	'0 years	'
Furniture and equipment [Member] \| Minimum [Member]	'	'
Summary of Significant Accounting Policies (Textual) [Abstract]	'	'
Property, Plant and Equipment, Useful Life	'0 years	'

ASSETS_AND_DEPOSITS_HELD_FOR_S2

ASSETS AND DEPOSITS HELD FOR SALE (Details) (USD $)	Dec. 31, 2013
In Thousands, unless otherwise specified	Dec. 31, 2013
Long Lived Assets Held-for-sale [Line Items]	'
Commercial and industrial	$817
Residential real estate and home equity	2,378
Consumer and credit card	2,402
Total	$5,597

ASSETS_AND_DEPOSITS_HELD_FOR_S3

ASSETS AND DEPOSITS HELD FOR SALE (Details 1) (USD $)	Dec. 31, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Long Lived Assets Held-for-sale [Line Items]	'	'
Subtotal	$1,576	'
Less: Accumulated depreciation	-14,329	-13,635
Total	1,405	'
Land [Member]	'	'
Long Lived Assets Held-for-sale [Line Items]	'	'
Subtotal	633	'
Building and Building Improvements [Member]	'	'
Long Lived Assets Held-for-sale [Line Items]	'	'
Subtotal	935	'
Furniture and Fixtures [Member]	'	'
Long Lived Assets Held-for-sale [Line Items]	'	'
Subtotal	$8	'

ASSETS_AND_DEPOSITS_HELD_FOR_S4

ASSETS AND DEPOSITS HELD FOR SALE (Details 2) (USD $)	Dec. 31, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Long Lived Assets Held-for-sale [Line Items]	'	'
Time deposits	$84,387	'
Total	317,237	352,443
Deposits Held For Sale [Member]	'	'
Long Lived Assets Held-for-sale [Line Items]	'	'
Non interest-bearing demand	3,089	'
Interest-bearing demand	9,847	'
Money market	2,398	'
Savings deposits	2,217	'
Time deposits	5,020	'
Total	$22,571	'

ASSETS_AND_DEPOSITS_HELD_FOR_S5

ASSETS AND DEPOSITS HELD FOR SALE (Details Textual) (USD $)	12 Months Ended			0 Months Ended
	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011	Jan. 13, 2014
	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011	Subsequent Event [Member]
Long Lived Assets Held-for-sale [Line Items]	'	'	'	'
Proceeds From Sale Of Fixed Assets	'	'	'	$1,500,000
Premium Deposits Percentage	'	'	'	2.00%
Premium Deposits Maximum Amount	'	'	'	540,000
Loans Aggregate Contractual Principal Balance	4,200,000	'	'	'
Loans and Leases Receivable, Allowance, Ending Balance	6,724,000	6,881,000	9,584,000	'
Provision for Loan and Lease Losses	2,417,000	495,000	'	'
Loans Transferred To Held For Sale, Net Of Allowances Allocations	$2,200,000	'	'	'

SECURITIES_Details

SECURITIES (Details) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Fair values of securities available-for-sale	'	'
Amortized Costs	$81,120	$85,208
Gross Unrealized Gains	1,072	2,069
Gross Unrealized Losses	-2,244	80
Fair Value	79,948	87,197
Collateralized debt obligations [Member]	'	'
Fair values of securities available-for-sale	'	'
Amortized Costs	1,916	'
Gross Unrealized Gains	0	'
Gross Unrealized Losses	-940	'
Fair Value	976	'
U.S. Government and agency obligations [Member]	'	'
Fair values of securities available-for-sale	'	'
Amortized Costs	13,714	16,821
Gross Unrealized Gains	16	134
Gross Unrealized Losses	-428	18
Fair Value	13,302	16,937
Corporate bonds [Member]	'	'
Fair values of securities available-for-sale	'	'
Amortized Costs	6,187	5,081
Gross Unrealized Gains	42	86
Gross Unrealized Losses	-61	2
Fair Value	6,168	5,165
States and municipal obligations [Member]	'	'
Fair values of securities available-for-sale	'	'
Amortized Costs	20,651	19,874
Gross Unrealized Gains	283	918
Gross Unrealized Losses	-484	31
Fair Value	20,450	20,761
Mortgage-backed securities [Member]	'	'
Fair values of securities available-for-sale	'	'
Amortized Costs	38,652	43,432
Gross Unrealized Gains	731	931
Gross Unrealized Losses	-331	29
Fair Value	$39,052	$44,334

SECURITIES_Details_1

SECURITIES (Details 1) (Collateralized debt obligations [Member], USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2012
Collateralized debt obligations [Member]	'
Fair values of securities held-to-maturity	'
Adjusted Amortized Cost	$1,149
Gross Unrealized Gains	941
Estimated Fair Value	$2,090

SECURITIES_Details_2

SECURITIES (Details 2) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Unrealized loss	'	'
Number of securities	65	15
Fair value	$36,148	$9,845
Estimated Fair Value	2,244	80
Collateralized debt obligations [Member]	'	'
Unrealized loss	'	'
Number of securities	1	'
Fair value	976	'
Estimated Fair Value	940	'
Less than 12 months [Member]	'	'
Unrealized loss	'	'
Number of securities	58	15
Unrealized losses	32,278	9,845
Unrealized losses	1,139	80
Less than 12 months [Member] \| Collateralized debt obligations [Member]	'	'
Unrealized loss	'	'
Number of securities	0	'
Unrealized losses	0	'
Unrealized losses	0	'
12 months or longer [Member]	'	'
Unrealized loss	'	'
Number of securities	7	0
Fair value	3,870	0
Unrealized losses	1,105	0
12 months or longer [Member] \| Collateralized debt obligations [Member]	'	'
Unrealized loss	'	'
Number of securities	1	'
Fair value	976	'
Unrealized losses	940	'
U.S. Government and agency obligations [Member]	'	'
Unrealized loss	'	'
Number of securities	10	3
Fair value	10,680	3,649
Estimated Fair Value	428	18
U.S. Government and agency obligations [Member] \| Less than 12 months [Member]	'	'
Unrealized loss	'	'
Number of securities	10	3
Unrealized losses	10,680	3,649
Unrealized losses	428	18
U.S. Government and agency obligations [Member] \| 12 months or longer [Member]	'	'
Unrealized loss	'	'
Number of securities	0	0
Fair value	0	0
Unrealized losses	0	0
Corporate bonds [Member]	'	'
Unrealized loss	'	'
Number of securities	7	1
Fair value	3,024	501
Estimated Fair Value	61	2
Corporate bonds [Member] \| Less than 12 months [Member]	'	'
Unrealized loss	'	'
Number of securities	5	1
Unrealized losses	2,141	501
Unrealized losses	38	2
Corporate bonds [Member] \| 12 months or longer [Member]	'	'
Unrealized loss	'	'
Number of securities	2	0
Fair value	883	0
Unrealized losses	23	0
State and municipal obligations [Member]	'	'
Unrealized loss	'	'
Number of securities	34	5
Fair value	11,834	1,630
Estimated Fair Value	484	31
State and municipal obligations [Member] \| Less than 12 months [Member]	'	'
Unrealized loss	'	'
Number of securities	32	5
Unrealized losses	11,012	1,630
Unrealized losses	442	31
State and municipal obligations [Member] \| 12 months or longer [Member]	'	'
Unrealized loss	'	'
Number of securities	2	0
Fair value	822	0
Unrealized losses	42	0
Mortgage-backed securities and other [Member]	'	'
Unrealized loss	'	'
Number of securities	13	6
Fair value	9,634	4,065
Estimated Fair Value	331	29
Mortgage-backed securities and other [Member] \| Less than 12 months [Member]	'	'
Unrealized loss	'	'
Number of securities	11	6
Unrealized losses	8,445	4,065
Unrealized losses	231	29
Mortgage-backed securities and other [Member] \| 12 months or longer [Member]	'	'
Unrealized loss	'	'
Number of securities	2	0
Fair value	1,189	0
Unrealized losses	$100	$0

SECURITIES_Details_3

SECURITIES (Details 3) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Schedule of Held-to-maturity Securities [Line Items]	'	'
Accumulated credit losses at beginning of year	$4,015	$4,015
Realized upon sale of security	-2,931	0
Accumulated credit losses at end of year	$1,084	$4,015

SECURITIES_Details_4

SECURITIES (Details 4) (USD $)	Dec. 31, 2013
In Thousands, unless otherwise specified	Dec. 31, 2013
Amortized cost and estimated fair value of all debt securities	'
Available-for-sale, Amortized Cost, Due in one year or less	$1,034
Available-for-sale, Amortized Cost, Due after one to five years	8,545
Available-for-sale, Amortized Cost, Due after five to ten years	21,249
Available-for-sale, Amortized Cost, Due after ten years	11,640
Available-for-sale, Amortized Cost, Mortgage-backed and related securities	38,652
Available-for-sale, Amortized Cost, Total	81,120
Available-for-sale, Fair Value, Due in one year or less	1,038
Available-for-sale, Fair Value, Due after one to five years	8,574
Available-for-sale, Fair Value, Due after five to ten years	20,906
Available-for-sale, Fair Value, Fair value, Due after ten years	10,378
Available-for-sale, Fair Value, Mortgage-backed and related securities	39,052
Available-for-sale, Fair Value, Total	$79,948

SECURITIES_Details_5

SECURITIES (Details 5) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Schedule of Held-to-maturity Securities [Line Items]	'	'
Proceeds from investments sales	$2,560	$13,409
Gross gains on investment sales	135	508
Gross losses on investment sales	$0	$0

SECURITIES_Details_Textual

SECURITIES (Details Textual) (USD $)	12 Months Ended
SECURITIES (Details Textual) (USD $)	Dec. 31, 2013	Dec. 31, 2012
Securities (Textual) [Abstract]	'	'
Available-for-sale Securities, Gross Realized Gains	$130,000	'
Other than Temporary Impairment Losses, Investments, Portion Recognized in Earnings, Net	1,100,000	4,000,000
Investment From Same Issuer As Percentage Of Equity Maximum	10.00%	'
Pledged Assets Separately Reported, Securities Pledged as Collateral, at Fair Value, Total	65,600,000	64,000,000
Amortized Cost Of Security	1,900,000	'
Collateralized debt obligations [Member]	'	'
Securities (Textual) [Abstract]	'	'
Proceeds from Sale of Available-for-sale Securities, Total	$2,600,000	'

LOANS_Details

LOANS (Details) (USD $)	Dec. 31, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Loans	'	'
Commercial and industrial	$122,084	$112,300
Commercial real estate	104,692	111,417
Residential real estate and home equity	96,245	72,137
Consumer and credit card	32,862	21,620
Subtotal	355,883	317,474
Add: Net deferred loan origination fees	165	30
Total loans receivable	$356,048	$317,504

LOANS_Details_1

LOANS (Details 1) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Schedule Of Loans [Line Items]	'	'
Balance at beginning of year	$469	$638
New loans	1,058	371
Repayments	-87	-540
Balance at end of year	$1,440	$469

CREDIT_QUALITY_Details

CREDIT QUALITY (Details) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Allowance for loan losses:	'	'
Beginning Balance:	$6,881	$9,584
Chargeoffs	-1,741	-3,738
Recoveries	1,132	540
Transfer to held for sale	-1,965	'
Provision	2,417	495
Ending Balance:	6,724	6,881
Allowance on loans:	'	'
Individually evaluated for impairment	4,166	3,740
Collectively evaluated for impairment	2,558	3,141
Ending Balance:	6,724	6,881
Loans:	'	'
Individually evaluated for impairment	22,881	27,354
Collectively evaluated for impairment	333,002	290,120
Ending balance:	355,883	317,474
Consumer and Credit Card [Member]	'	'
Allowance for loan losses:	'	'
Beginning Balance:	365	425
Chargeoffs	-286	-372
Recoveries	219	224
Transfer to held for sale	0	'
Provision	3	88
Ending Balance:	301	365
Allowance on loans:	'	'
Individually evaluated for impairment	0	0
Collectively evaluated for impairment	301	365
Ending Balance:	301	365
Loans:	'	'
Individually evaluated for impairment	0	0
Collectively evaluated for impairment	32,862	21,620
Ending balance:	32,862	21,620
Commercial and Industrial [Member]	'	'
Allowance for loan losses:	'	'
Beginning Balance:	1,620	1,952
Chargeoffs	-86	-1,926
Recoveries	823	251
Transfer to held for sale	0	'
Provision	874	1,343
Ending Balance:	3,231	1,620
Allowance on loans:	'	'
Individually evaluated for impairment	2,304	340
Collectively evaluated for impairment	927	1,280
Ending Balance:	3,231	1,620
Loans:	'	'
Individually evaluated for impairment	7,221	5,471
Collectively evaluated for impairment	114,863	106,829
Ending balance:	122,084	112,300
Commercial Real Estate [Member]	'	'
Allowance for loan losses:	'	'
Beginning Balance:	4,692	6,916
Chargeoffs	-1,038	-1,366
Recoveries	38	47
Transfer to held for sale	-1,965	'
Provision	1,246	-905
Ending Balance:	2,973	4,692
Allowance on loans:	'	'
Individually evaluated for impairment	1,862	3,400
Collectively evaluated for impairment	1,111	1,292
Ending Balance:	2,973	4,692
Loans:	'	'
Individually evaluated for impairment	15,660	21,883
Collectively evaluated for impairment	89,032	89,534
Ending balance:	104,692	111,417
Residential Real Estate and Home Equity [Member]	'	'
Allowance for loan losses:	'	'
Beginning Balance:	204	291
Chargeoffs	-331	-74
Recoveries	52	18
Transfer to held for sale	0	'
Provision	294	-31
Ending Balance:	219	204
Allowance on loans:	'	'
Individually evaluated for impairment	0	0
Collectively evaluated for impairment	219	204
Ending Balance:	219	204
Loans:	'	'
Individually evaluated for impairment	0	0
Collectively evaluated for impairment	96,245	72,137
Ending balance:	$96,245	$72,137

CREDIT_QUALITY_Details_1

CREDIT QUALITY (Details 1) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Impaired Loans	'	'
Recorded Investment	$22,881	$27,354
Unpaid Principal Balance	26,447	31,691
Related Allowance	4,166	3,740
Average Recorded Investment	25,832	35,797
Interest Income Recognized	1,186	1,394
Commercial and industrial [Member]	'	'
Impaired Loans	'	'
Recorded Investment	7,221	5,471
Unpaid Principal Balance	7,363	5,685
Related Allowance	2,304	340
Average Recorded Investment	5,767	9,765
Interest Income Recognized	263	333
Commercial real estate [Member]	'	'
Impaired Loans	'	'
Recorded Investment	15,660	21,883
Unpaid Principal Balance	19,084	26,006
Related Allowance	1,862	3,400
Average Recorded Investment	20,065	26,032
Interest Income Recognized	923	1,061
With no related allowance recorded [Member] \| Commercial and industrial [Member]	'	'
Impaired Loans	'	'
Recorded Investment	1,530	4,288
Unpaid Principal Balance	1,530	4,437
Related Allowance	0	0
Average Recorded Investment	3,081	3,557
Interest Income Recognized	67	268
With no related allowance recorded [Member] \| Commercial real estate [Member]	'	'
Impaired Loans	'	'
Recorded Investment	9,892	5,507
Unpaid Principal Balance	11,788	5,998
Related Allowance	0	0
Average Recorded Investment	10,005	10,067
Interest Income Recognized	615	241
With allowance recorded [Member] \| Commercial and industrial [Member]	'	'
Impaired Loans	'	'
Recorded Investment	5,691	1,183
Unpaid Principal Balance	5,833	1,248
Related Allowance	2,304	340
Average Recorded Investment	2,686	6,208
Interest Income Recognized	196	65
With allowance recorded [Member] \| Commercial real estate [Member]	'	'
Impaired Loans	'	'
Recorded Investment	5,768	16,376
Unpaid Principal Balance	7,296	20,008
Related Allowance	1,862	3,400
Average Recorded Investment	10,060	15,965
Interest Income Recognized	$308	$820

CREDIT_QUALITY_Details_2

CREDIT QUALITY (Details 2) (USD $)	Dec. 31, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Loans on nonaccrual status	'	'
Loans on nonaccrual status	$6,452	$5,331
Consumer and credit card [Member]	'	'
Loans on nonaccrual status	'	'
Loans on nonaccrual status	0	0
Commercial and industrial [Member]	'	'
Loans on nonaccrual status	'	'
Loans on nonaccrual status	4,702	2,815
Commercial real estate [Member]	'	'
Loans on nonaccrual status	'	'
Loans on nonaccrual status	1,398	2,195
Residential real estate and home equity [Member]	'	'
Loans on nonaccrual status	'	'
Loans on nonaccrual status	$352	$321

CREDIT_QUALITY_Details_3

CREDIT QUALITY (Details 3) (USD $)	Dec. 31, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Credit Quality Indicators	'	'
Loans	$356,048	$317,504
Commercial and Industrial [Member]	'	'
Credit Quality Indicators	'	'
Loans	122,084	112,300
Commercial and Industrial [Member] \| Pass-1-4 [Member]	'	'
Credit Quality Indicators	'	'
Loans	111,266	90,516
Commercial and Industrial [Member] \| Vulnerable-5 [Member]	'	'
Credit Quality Indicators	'	'
Loans	2,574	12,240
Commercial and Industrial [Member] \| Substandard-6 [Member]	'	'
Credit Quality Indicators	'	'
Loans	8,244	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	104,692	111,417
Commercial Real Estate [Member] \| Pass-1-4 [Member]	'	'
Credit Quality Indicators	'	'
Loans	83,953	76,708
Commercial Real Estate [Member] \| Vulnerable-5 [Member]	'	'
Credit Quality Indicators	'	'
Loans	4,785	12,289
Commercial Real Estate [Member] \| Substandard-6 [Member]	'	'
Credit Quality Indicators	'	'
Loans	15,954	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_4

CREDIT QUALITY (Details 4) (USD $)	Dec. 31, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Consumer Risk	'	'
Consumer risk based on payment activity	$356,048	$317,504
Consumer and Credit Card [Member]	'	'
Consumer Risk	'	'
Consumer risk based on payment activity	32,862	21,620
Consumer and Credit Card [Member] \| Performing [Member]	'	'
Consumer Risk	'	'
Consumer risk based on payment activity	32,862	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	96,245	72,137
Residential real estate and home equity [Member] \| Performing [Member]	'	'
Consumer Risk	'	'
Consumer risk based on payment activity	95,893	71,816
Residential real estate and home equity [Member] \| Non-Performing [Member]	'	'
Consumer Risk	'	'
Consumer risk based on payment activity	$352	$321

CREDIT_QUALITY_Details_5

CREDIT QUALITY (Details 5) (USD $)	Dec. 31, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Age analysis of past due loans	'	'
Financing Receivable, Recorded Investment, 30 to 59 Days Past Due	$920	$1,039
Financing Receivable, Recorded Investment, 60 to 89 Days Past Due	289	504
Financing Receivable, Recorded Investment, Greater than 90 Days Past Due	2,004	2,570
Financing Receivable, Recorded Investment, Past Due, Total	3,213	4,113
Financing Receivable, Recorded Investment, Current	352,670	313,361
Financing Receivable, Recorded Investment, Subtotal	355,883	317,474
Recorded Investment greater than 90 days and Accruing	0	28
Consumer and Credit Card [Member]	'	'
Age analysis of past due loans	'	'
Financing Receivable, Recorded Investment, 30 to 59 Days Past Due	90	37
Financing Receivable, Recorded Investment, 60 to 89 Days Past Due	92	101
Financing Receivable, Recorded Investment, Greater than 90 Days Past Due	0	28
Financing Receivable, Recorded Investment, Past Due, Total	182	166
Financing Receivable, Recorded Investment, Current	32,680	21,454
Financing Receivable, Recorded Investment, Subtotal	32,862	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	407	20
Financing Receivable, Recorded Investment, 60 to 89 Days Past Due	0	0
Financing Receivable, Recorded Investment, Greater than 90 Days Past Due	1,001	26
Financing Receivable, Recorded Investment, Past Due, Total	1,408	46
Financing Receivable, Recorded Investment, Current	120,676	112,254
Financing Receivable, Recorded Investment, Subtotal	122,084	112,300
Recorded Investment greater than 90 days and Accruing	0	0
Commercial Real Estate [Member]	'	'
Age analysis of past due loans	'	'
Financing Receivable, Recorded Investment, 30 to 59 Days Past Due	49	538
Financing Receivable, Recorded Investment, 60 to 89 Days Past Due	0	114
Financing Receivable, Recorded Investment, Greater than 90 Days Past Due	682	2,195
Financing Receivable, Recorded Investment, Past Due, Total	731	2,847
Financing Receivable, Recorded Investment, Current	103,961	108,570
Financing Receivable, Recorded Investment, Subtotal	104,692	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	374	444
Financing Receivable, Recorded Investment, 60 to 89 Days Past Due	197	289
Financing Receivable, Recorded Investment, Greater than 90 Days Past Due	321	321
Financing Receivable, Recorded Investment, Past Due, Total	892	1,054
Financing Receivable, Recorded Investment, Current	95,353	71,083
Financing Receivable, Recorded Investment, Subtotal	96,245	72,137
Recorded Investment greater than 90 days and Accruing	$0	$0

CREDIT_QUALITY_Details_6

CREDIT QUALITY (Details 6) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
	integer	integer
Troubled Debt Restructurings	'	'
Number of Contracts	12	12
Post-modification outstanding recorded investment	$4,986	$6,314
Number of Contracts modified	4	2
Post-modification outstanding recorded investment	1,559	1,077
Consumer and credit card [Member]	'	'
Troubled Debt Restructurings	'	'
Number of Contracts	0	8
Post-modification outstanding recorded investment	0	201
Number of Contracts modified	0	1
Post-modification outstanding recorded investment	0	1
Commercial and industrial [Member]	'	'
Troubled Debt Restructurings	'	'
Number of Contracts	4	0
Post-modification outstanding recorded investment	1,081	0
Number of Contracts modified	3	0
Post-modification outstanding recorded investment	1,075	0
Commercial Real Estate [Member]	'	'
Troubled Debt Restructurings	'	'
Number of Contracts	8	4
Post-modification outstanding recorded investment	3,905	6,113
Number of Contracts modified	1	1
Post-modification outstanding recorded investment	484	1,076
Residential real estate and home equity [Member]	'	'
Troubled Debt Restructurings	'	'
Number of Contracts	0	0
Post-modification outstanding recorded investment	0	0
Number of Contracts modified	0	0
Post-modification outstanding recorded investment	$0	$0

CREDIT_QUALITY_Details_Textual

CREDIT QUALITY (Details Textual) (USD $)	12 Months Ended
CREDIT QUALITY (Details Textual) (USD $)	Dec. 31, 2013	Dec. 31, 2012
Financing Receivable, Modifications [Line Items]	'	'
Financing Receivable Non Trouble Debt	$21,400,000	$26,000,000
Interest income recognized as non performing	175,000	95,000
Commercial Real Estate Loans Reclassified	210,000	'
Commercial Real Estate [Member]	'	'
Financing Receivable, Modifications [Line Items]	'	'
Financing Receivable, Modifications, Recorded Investment	11,800,000	16,900,000
Financing Receivable Non Trouble Debt	7,800,000	10,100,000
Commercial Real Estate [Member] \| Nonperforming Financing Receivable [Member]	'	'
Financing Receivable, Modifications [Line Items]	'	'
Financing Receivable, Modifications, Recorded Investment	484,000	'
1-4 family residential [Member] \| Nonperforming Financing Receivable [Member]	'	'
Financing Receivable, Modifications [Line Items]	'	'
Financing Receivable, Modifications, Recorded Investment	68,000	961,000
Other Loan Receivables [Member]	'	'
Financing Receivable, Modifications [Line Items]	'	'
Financing Receivable Non Trouble Debt	1,900,000	637,000
Commercial Loan [Member]	'	'
Financing Receivable, Modifications [Line Items]	'	'
Financing Receivable, Modifications, Recorded Investment	262,000,000,000	1,500,000
Financing Receivable Non Trouble Debt	11,700,000	15,200,000
Commercial Loan [Member] \| Nonperforming Financing Receivable [Member]	'	'
Financing Receivable, Modifications [Line Items]	'	'
Financing Receivable, Modifications, Recorded Investment	87,000	108,000
Multi Family Residential Real Estate [Member] \| Nonperforming Financing Receivable [Member]	'	'
Financing Receivable, Modifications [Line Items]	'	'
Financing Receivable, Modifications, Recorded Investment	$711,000	$1,100,000

PREMISES_AND_EQUIPMENT_Details

PREMISES AND EQUIPMENT (Details) (USD $)	Dec. 31, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Property, Plant and Equipment [Line Items]	'	'
Property Plant And Equipment Gross	$24,379	$25,289
Accumulated depreciation	-14,329	-13,635
Total premises and equipment	10,050	11,654
Software, net of accumulated amortization	591	382
Total premises and equipment	10,641	12,036
Land [Member]	'	'
Property, Plant and Equipment [Line Items]	'	'
Property Plant And Equipment Gross	1,266	1,899
Buildings [Member]	'	'
Property, Plant and Equipment [Line Items]	'	'
Property Plant And Equipment Gross	13,277	13,787
Furniture and equipment [Member]	'	'
Property, Plant and Equipment [Line Items]	'	'
Property Plant And Equipment Gross	$9,836	$9,603

PREMISES_AND_EQUIPMENT_Details1

PREMISES AND EQUIPMENT (Details 1) (USD $)	Dec. 31, 2013
In Thousands, unless otherwise specified	Dec. 31, 2013
Property, Plant and Equipment [Line Items]	'
2014	$562
2015	551
2016	544
2017	322
2018	194
Thereafter	383
Total	$2,556

PREMISES_AND_EQUIPMENT_Details2

PREMISES AND EQUIPMENT (Details Textual) (USD $)	12 Months Ended
PREMISES AND EQUIPMENT (Details Textual) (USD $)	Dec. 31, 2013	Dec. 31, 2012
Property, Plant and Equipment [Line Items]	'	'
Depreciation, Total	$1,068,000	$991,000
Operating Leases, Rent Expense, Net, Total	465,000	559,000
Assets Held-for-sale, Property, Plant and Equipment	$1,405,000	$0

INTERESTBEARING_DEPOSITS_Detai

INTEREST-BEARING DEPOSITS (Details) (USD $)	Dec. 31, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Time deposits	'	'
Total	$317,237	$352,443
Interest-bearing Deposits [Member]	'	'
Interest Bearing Deposits [Line Items]	'	'
Interest-bearing demand	68,382	74,993
Money market	123,237	101,954
Savings deposits	41,231	36,895
Time deposits	'	'
In denominations under $100,000	60,850	87,308
In denominations of $100,000 or more	23,537	51,293
Total	$317,237	$352,443

INTERESTBEARING_DEPOSITS_Detai1

INTEREST-BEARING DEPOSITS (Details 2) (USD $)	Dec. 31, 2013
In Thousands, unless otherwise specified	Dec. 31, 2013
Interest Bearing Deposits [Line Items]	'
2014	$66,377
2015	11,209
2016	5,897
2017	683
2018 and after	221
Total	$84,387

BORROWED_FUNDS_Details

BORROWED FUNDS (Details) (USD $)	Dec. 31, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Total Borrowings:	'	'
FHLB advances	$4,838	$7,498

BORROWED_FUNDS_Details_1

BORROWED FUNDS (Details 1) (USD $)	Dec. 31, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Schedule Of Borrowed Funds [Line Items]	'	'
2013, Amount	$0	$454
2014, Amount	0	888
2015, Amount	257	4,048
2016, Amount	1,530	0
2017, Amount	590	0
2018 and after, Amount	2,461	2,108
Amount, Total	$4,838	$7,498
2013, Weighted Average Rate	0.00%	3.08%
2014, Weighted Average Rate	0.00%	4.10%
2015, Weighted Average Rate	0.51%	4.94%
2016, Weighted Average Rate	0.84%	0.00%
2017, Weighted Average Rate	1.12%	'
2018 and after, Weighted Average Rate	2.42%	4.34%
Weighted Average, Total	1.66%	4.56%

BORROWED_FUNDS_Details_Textual

BORROWED FUNDS (Details Textual) (USD $)	3 Months Ended
BORROWED FUNDS (Details Textual) (USD $)	Dec. 31, 2013	Dec. 31, 2012
Schedule Of Borrowed Funds [Line Items]	'	'
Mortgage Loans on Real Estate, Beginning Balance	$101,800,000	'
Pledged Mortgage Borrowings	4,800,000	'
Federal Home Loan Bank, Advances, General Debt Obligations, Amount of Available, Unused Funds	75,300,000	'
Line Of Credit Facility Amount	50,700,000	'
Amount Of Indirect Loan Pledged	75,400,000	'
Federal Home Loan Bank, Advances, General Debt Obligations, Disclosures, Collateral Pledged	124,900,000	65,900,000
Federal Home Loan Bank Stock	3,799,000	3,799,000
Federal Home Loan Bank, Advances, Short-term	0	'
Federal Home Loan Bank advances, maturity term	'1 year 4 months 24 days	'
Penalty Prepayment to Federal Home Loan Bank	268,000	'
Line of Credit Facility, Amount Outstanding	50,700,000	'
Loans Pledged as Collateral	75,400,000	'
Payments for Federal Home Loan Bank Advances	$4,400,000	'
Federal Home Loan Bank, Advances, Branch of FHLB Bank, Interest Rate	4.61%	'

RETIREMENT_PLANS_Details_Textu

RETIREMENT PLANS (Details Textual) (USD $)	12 Months Ended
RETIREMENT PLANS (Details Textual) (USD $)	Dec. 31, 2013	Dec. 31, 2012
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]	'	'
Period for which individual completed employment	'6 months	'
Eligibility of individual, age basis	'20 or more years	'
Maximum contribution of Corporation	3.00%	'
Contribution plan vesting period	'3 years	'
Expenses related retirement plan	$173,000	$127,000
Total expenses	0	108,000
Total accrued liability	1,200,000	707,000
Outstanding liability	$1,000,000	$457,000

STOCKBASED_COMPENSATION_Detail

STOCK-BASED COMPENSATION (Details) (USD $)	12 Months Ended
STOCK-BASED COMPENSATION (Details) (USD $)	Dec. 31, 2013	Dec. 31, 2012
Summary of stock option plan	'	'
Outstanding at beginning of year, Shares	261,098	'
Granted, shares	13,889	'
Exercised, Shares	-3,818	'
Forfeited, Shares	-20,651	'
Outstanding at end of year, Shares	250,518	261,098
Options exercisable at period end, Shares	145,615	'
Outstanding at beginning of year, Weighted Average Exercise Price	$10.38	'
Granted, Weighted Average Exercise Price	$5.40	$4.50
Exercised, Weighted Average Exercise Price	$3.50	'
Forfeited, Weighted Average Exercise Price	$13.98	'
Outstanding at end of period, Weighted Average Exercise Price	$9.91	$10.38
Options exercisable at year end, Weighted Average Exercise Price	$13.79	'
Weighted-average fair value of options granted	$2.45	$1.97
Outstanding at beginning of year, Weighted Average Remaining Contractual Life	'7 years 2 months 12 days	'
Granted, Weighted Average Remaining Contractual Life	'9 years 2 months 12 days	'
Outstanding at end of period, Weighted Average Remaining Contractual Life	'6 years 4 months 24 days	'
Options exercisable at period end, Weighted Average Remaining Contractual Life	'5 years	'
Outstanding at Ending of year, Aggregate Intrinsic Value	$316,704	'
Option exercisable at period end, Aggregate Intrinsic value	$134,519	'

STOCKBASED_COMPENSATION_Detail1

STOCK-BASED COMPENSATION (Details 1)	12 Months Ended
STOCK-BASED COMPENSATION (Details 1)	Dec. 31, 2013
Summary of non invested options	'
Nonvested at January 1, 2013	138,661
Granted	13,889
Vested	-39,072
Forfeited or expired	-8,575
Nonvested at December 31, 2013	104,903

STOCK_BASED_COMPENSATION_Detai

STOCK BASED COMPENSATION (Details 2) (USD $)	12 Months Ended
STOCK BASED COMPENSATION (Details 2) (USD $)	Dec. 31, 2013
Range One [Member]	'
Stock options outstanding	'
Number Outstanding	46,039
Exercise Prices, Lower Range	$23
Exercise Prices, Higher Range	$30.70
Range Two [Member]	'
Stock options outstanding	'
Number Outstanding	25,612
Exercise Prices, Lower Range	$14.15
Exercise Prices, Higher Range	$16.90
Range Three [Member]	'
Stock options outstanding	'
Number Outstanding	22,202
Exercise Prices, Lower Range	$7.50
Exercise Prices, Higher Range	$9
Range Four [Member]	'
Stock options outstanding	'
Number Outstanding	156,665
Exercise Prices, Lower Range	$3.50
Exercise Prices, Higher Range	$5.40

STOCK_BASED_COMPENSATION_Detai1

STOCK BASED COMPENSATION (Details Textual) (USD $)	12 Months Ended
STOCK BASED COMPENSATION (Details Textual) (USD $)	Dec. 31, 2013	Dec. 31, 2012
Stock Based Compensation (Textual) [Abstract]	'	'
Employee share option plan	300,000	'
Employee share option plan granted	20.00%	'
Granted,Weighted Average Exercise Price	$5.40	$4.50
Options exercisable at year end, Shares	145,615	'
Available for grant	0	'
Risk-Free Interest Rate	2.25%	1.77%
Shares Granted	13,889	'
Unvested equity-based awards based on their grant-date fair value	$129,000	($235,000)
Expected life	'10 years	'10 years
Expected common stock price volatility	30.00%	30.00%
Unrecognized compensation expense to be recognized over the remaining life of outstanding options	294,000	'
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercised, Intrinsic Value	$7,000	$1,000
Plan 2004 [Member]	'	'
Stock Based Compensation (Textual) [Abstract]	'	'
Shares Granted	13,889	75,958

FEDERAL_INCOME_TAXES_Details

FEDERAL INCOME TAXES (Details) (USD $)	3 Months Ended								12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Sep. 30, 2013	Jun. 30, 2013	Mar. 31, 2013	Dec. 31, 2012	Sep. 30, 2012	Jun. 30, 2012	Mar. 31, 2012	Dec. 31, 2013	Dec. 31, 2012
Income tax expense (credits)	'	'	'	'	'	'	'	'	'	'
Current	'	'	'	'	'	'	'	'	$0	$0
Deferred	'	'	'	'	'	'	'	'	-1,918	88
Valuation allowance	'	'	'	'	'	'	'	'	1,620	-157
Totals	$0	($20)	($254)	($24)	$87	($127)	($218)	$189	($298)	($69)

FEDERAL_INCOME_TAXES_Details_1

FEDERAL INCOME TAXES (Details 1) (USD $)	3 Months Ended								12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Sep. 30, 2013	Jun. 30, 2013	Mar. 31, 2013	Dec. 31, 2012	Sep. 30, 2012	Jun. 30, 2012	Mar. 31, 2012	Dec. 31, 2013	Dec. 31, 2012
Income taxes (credits) computed at the statutory federal	'	'	'	'	'	'	'	'	'	'
Income tax benefit computed at the statutory federal income tax rate	'	'	'	'	'	'	'	'	($1,098)	$181
Tax exempt income	'	'	'	'	'	'	'	'	-1,002	-360
Change in valuation allowance	'	'	'	'	'	'	'	'	1,620	217
Other	'	'	'	'	'	'	'	'	-324	-107
Totals	$0	($20)	($254)	($24)	$87	($127)	($218)	$189	($298)	($69)

FEDERAL_INCOME_TAXES_Details_2

FEDERAL INCOME TAXES (Details 2) (USD $)	Dec. 31, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Deferred tax assets	'	'
Allowance for loan losses	$3,369	$2,340
Depreciation	92	117
Deferred compensation	54	159
Alternative minimum tax carry forward	145	145
Other-than-temporary impairment losses	369	1,365
Other	151	200
Expenses on foreclosed real estate	70	370
Unrealized loss on other-than-temporary impairment on held-to-maturity securities	0	975
NOL carry forward	7,460	5,012
Subtotal	11,710	10,683
Deferred tax liabilities	'	'
FHLB stock dividends	-455	-455
Unrealized loss (gain) on available-for-sale securities	399	-676
Other	-87	-4
Subtotal	-143	-1,135
Net deferred tax asset	11,567	9,548
Less: valuation allowance	-11,168	-9,548
Total	$399	$0

FEDERAL_INCOME_TAXES_Details_T

FEDERAL INCOME TAXES (Details Textual) (USD $)	12 Months Ended
In Millions, unless otherwise specified	Dec. 31, 2013
Investments, Owned, Federal Income Tax Note [Line Items]	'
Net operating loss carry forward	$21.90
Net operating loss carry forward, expiration starting period	'2030

COMMITMENTS_CONTINGENCIES_AND_2

COMMITMENTS, CONTINGENCIES AND FINANCIAL INSTRUMENTS WITH OFF-BALANCE SHEET RISK (Details) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Commitments to Extend Credit [Member]	'	'
Contractual amount of financing instruments with off-balance sheet risk	'	'
Fixed rate	$1,475	$3,769
Variable Rate	22,983	27,074
Unused lines of credit and letters of credit [Member]	'	'
Contractual amount of financing instruments with off-balance sheet risk	'	'
Fixed rate	1,113	1,230
Variable Rate	$92,237	$87,251

COMMITMENTS_CONTINGENCIES_AND_3

COMMITMENTS, CONTINGENCIES AND FINANCIAL INSTRUMENTS WITH OFF-BALANCE SHEET RISK (Details Textual)	12 Months Ended
	Dec. 31, 2013
Fair Value, Off balance Sheet Risks, Disclosure Information [LineItems]	'
Period of loan Maximum	'30 days
Maturity Of Loans Subject To Fixed Rate Commitments	'1 to 30 years
Material litigation	0
Pending Litigation [Member]	'
Fair Value, Off balance Sheet Risks, Disclosure Information [LineItems]	'
Material litigation	0
Material legal proceedings [Member]	'
Fair Value, Off balance Sheet Risks, Disclosure Information [LineItems]	'
Material litigation	0

ISSUANCE_AND_SALE_OF_COMMON_ST1

ISSUANCE AND SALE OF COMMON STOCK (Details Textual) (USD $)	12 Months Ended
In Thousands, except Share data, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Issuance And Sale Of Common Stock [Line Items]	'	'
Corporation raised	'	$11,986
Corporation raised in connection with the sale of shares	'	3,474,964
Common stock per share	'	$3.80
Sale comprised of shares	3,226,091	'
Treasury stock, shares	248,873	'

REGULATORY_CAPITAL_Details

REGULATORY CAPITAL (Details) (USD $)	Dec. 31, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Summary of actual and required capital ratios	'	'
Total capital to risk-weighted assets, Actual Amount	$50,644	$53,808
Total capital to risk-weighted assets, Actual Ratio	13.82%	13.46%
Total capital to risk-weighted assets, For capital adequacy purposes, Amount	29,321	31,990
Total capital to risk-weighted assets, For capital adequacy purposes, Ratio	8.00%	8.00%
Total capital to risk-weighted assets, To be well capitalized under Consent Order and Written Agreement , Amount	0	0
Total capital to risk-weighted assets, To be well capitalized under Consent Order and Written Agreement, Ratio	0.00%	0.00%
Tier 1 (core) capital to risk-weighted assets, Actual Amount	46,036	48,968
Tier 1 (core) capital to risk-weighted assets, Actual Ratio	12.56%	12.25%
Tier 1 (core) capital to risk-weighted assets, For capital adequacy purposes, Amount	14,661	15,995
Tier 1 (core) capital to risk-weighted assets, For capital adequacy purposes, Ratio	4.00%	4.00%
Tier 1 (core) capital to risk-weighted assets, To be well capitalized under Consent Order and Written Agreement, Amount	0	0
Tier 1 (core) capital to risk-weighted assets, To be well capitalized under Consent Order and Written Agreement, Ratio	0.00%	0.00%
Tier 1 (core) capital to average assets, Actual Amount	46,036	48,968
Tier 1 (core) capital to average assets, Actual Ratio	9.00%	9.79%
Tier 1 (core) capital to average assets, For capital adequacy purposes, Amount	20,456	20,017
Tier 1 (core) capital to average assets, For capital adequacy purposes, Ratio	4.00%	4.00%
Tier 1 (core) capital to average assets, To be well capitalized under Consent Order and Written Agreement, Amount	0	0
Tier 1 (core) capital to average assets, To be well capitalized under Consent Order and Written Agreement, Ratio	0.00%	0.00%
Subsidiaries [Member]	'	'
Summary of actual and required capital ratios	'	'
Total capital to risk-weighted assets, Actual Amount	49,473	44,505
Total capital to risk-weighted assets, Actual Ratio	13.50%	11.02%
Total capital to risk-weighted assets, For capital adequacy purposes, Amount	29,321	32,320
Total capital to risk-weighted assets, For capital adequacy purposes, Ratio	8.00%	8.00%
Total capital to risk-weighted assets, To be well capitalized under Consent Order and Written Agreement , Amount	36,651	52,519
Total capital to risk-weighted assets, To be well capitalized under Consent Order and Written Agreement, Ratio	10.00%	13.00%
Tier 1 (core) capital to risk-weighted assets, Actual Amount	44,865	39,665
Tier 1 (core) capital to risk-weighted assets, Actual Ratio	12.24%	9.82%
Tier 1 (core) capital to risk-weighted assets, For capital adequacy purposes, Amount	14,661	16,160
Tier 1 (core) capital to risk-weighted assets, For capital adequacy purposes, Ratio	4.00%	4.00%
Tier 1 (core) capital to risk-weighted assets, To be well capitalized under Consent Order and Written Agreement, Amount	21,992	36,360
Tier 1 (core) capital to risk-weighted assets, To be well capitalized under Consent Order and Written Agreement, Ratio	6.00%	9.00%
Tier 1 (core) capital to average assets, Actual Amount	44,865	39,665
Tier 1 (core) capital to average assets, Actual Ratio	8.77%	7.93%
Tier 1 (core) capital to average assets, For capital adequacy purposes, Amount	20,456	20,017
Tier 1 (core) capital to average assets, For capital adequacy purposes, Ratio	4.00%	4.00%
Tier 1 (core) capital to average assets, To be well capitalized under Consent Order and Written Agreement, Amount	$25,570	$45,038
Tier 1 (core) capital to average assets, To be well capitalized under Consent Order and Written Agreement, Ratio	5.00%	9.00%

FAIR_VALUE_MEASUREMENTS_Detail

FAIR VALUE MEASUREMENTS (Details) (USD $)	Dec. 31, 2013		Dec. 31, 2012	Dec. 31, 2011
In Thousands, unless otherwise specified	Dec. 31, 2013		Dec. 31, 2012	Dec. 31, 2011
Financial assets	'		'	'
Cash and cash equivalents, Carrying amount	$25,357		$63,307	$39,314
Securities available-for-sale, Carrying amount	79,948		87,197	'
Securities held-to-maturity , Carrying amount	0		1,149	'
Loans (net of allowance), Carrying amount	349,324		310,623	'
FHLB stock, Carrying amount	3,799		3,799	'
Financial liabilities	'		'	'
Noninterest-bearing deposits, Carrying amount	109,622		95,847	'
Interest-bearing deposits, Carrying amount	317,237		352,443	'
FHLB advances, Carrying amount	4,838		7,498	'
Level 1 [Member]	'		'	'
Financial assets	'		'	'
Cash and cash equivalents, Fair value	25,357		63,307	'
Securities available-for-sale, Carrying amount	0		0	'
Level 2 [Member]	'		'	'
Financial assets	'		'	'
Securities available-for-sale, Carrying amount	78,972		87,197	'
Securities available-for-sale, Fair value	78,972		87,197	'
FHLB stock, Fair value	3,799		3,799	'
Financial liabilities	'		'	'
Noninterest-bearing deposits, Fair value	112,711	[1]	95,847	'
Interest-bearing deposits, Fair value	318,107	[1]	352,759	'
FHLB advances, Fair value	4,838		7,498	'
Level 3 [Member]	'		'	'
Financial assets	'		'	'
Securities available-for-sale, Carrying amount	976		0	'
Securities available-for-sale, Fair value	976		'	'
Securities held-to-maturity, Fair Value	'		2,090	'
Loans (net of allowance), Fair value	348,295	[2]	307,729	'
Accrued interest receivable, Fair value	1,356		1,287	'
Financial liabilities	'		'	'
Accrued interest payable, Fair value	112		208	'
Carrying amount [Member]	'		'	'
Financial assets	'		'	'
Cash and cash equivalents, Carrying amount	25,357		63,307	'
Securities available-for-sale, Carrying amount	79,948		87,197	'
Securities held-to-maturity , Carrying amount	'		1,149	'
Loans (net of allowance), Carrying amount	357,130	[2]	310,623	'
FHLB stock, Carrying amount	3,799		3,799	'
Accrued interest receivable, Carrying amount	1,356		1,287	'
Financial liabilities	'		'	'
Noninterest-bearing deposits, Carrying amount	112,711	[1]	95,847	'
Interest-bearing deposits, Carrying amount	317,237	[1]	352,443	'
FHLB advances, Carrying amount	4,838		7,498	'
Accrued interest payable, Carrying Amount	112		208	'
Fair value [Member]	'		'	'
Financial assets	'		'	'
Cash and cash equivalents, Fair value	25,357		63,307	'
Securities available-for-sale, Fair value	79,948		87,197	'
Securities held-to-maturity, Fair Value	'		2,090	'
Loans (net of allowance), Fair value	348,295	[2]	307,729	'
FHLB stock, Fair value	3,799		3,799	'
Accrued interest receivable, Fair value	1,356		1,287	'
Financial liabilities	'		'	'
Noninterest-bearing deposits, Fair value	112,711	[1]	95,847	'
Interest-bearing deposits, Fair value	318,107	[1]	352,759	'
FHLB advances, Fair value	4,838		7,498	'
Accrued interest payable, Fair value	$112		$208	'

[1]	Includes deposits held for sale
[2]	Includes loans held for sale

FAIR_VALUE_MEASUREMENTS_Detail1

FAIR VALUE MEASUREMENTS (Details 1) (USD $)	Dec. 31, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Fair value measurements of assets recurring basis	'	'
Securities available-for-sale	$79,948	$87,197
State and municipal obligations [Member]	'	'
Fair value measurements of assets recurring basis	'	'
Securities available-for-sale	20,450	20,761
Corporate bonds [Member]	'	'
Fair value measurements of assets recurring basis	'	'
Securities available-for-sale	6,168	5,165
Mortgage-backed securities and other [Member]	'	'
Fair value measurements of assets recurring basis	'	'
Securities available-for-sale	39,052	44,334
Collateralized Debt Obligations [Member]	'	'
Fair value measurements of assets recurring basis	'	'
Securities available-for-sale	976	'
Quoted Prices in Active Markets for Identical Assets, Level 1 [Member]	'	'
Fair value measurements of assets recurring basis	'	'
Securities available-for-sale	0	0
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
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
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
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
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	'
Significant Other Observable Inputs, Level 2 [Member]	'	'
Fair value measurements of assets recurring basis	'	'
Securities available-for-sale	78,972	87,197
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	13,302	16,937
Significant Other Observable Inputs, Level 2 [Member] \| State and municipal obligations [Member]	'	'
Fair value measurements of assets recurring basis	'	'
Securities available-for-sale	20,450	20,761
Significant Other Observable Inputs, Level 2 [Member] \| Corporate bonds [Member]	'	'
Fair value measurements of assets recurring basis	'	'
Securities available-for-sale	6,168	5,165
Significant Other Observable Inputs, Level 2 [Member] \| Mortgage-backed securities and other [Member]	'	'
Fair value measurements of assets recurring basis	'	'
Securities available-for-sale	39,052	44,334
Significant Other Observable Inputs, Level 2 [Member] \| Collateralized Debt Obligations [Member]	'	'
Fair value measurements of assets recurring basis	'	'
Securities available-for-sale	0	'
Significant Unobservable Inputs, Level 3 [Member]	'	'
Fair value measurements of assets recurring basis	'	'
Securities available-for-sale	976	0
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
Significant Unobservable Inputs, Level 3 [Member] \| State and municipal obligations [Member]	'	'
Fair value measurements of assets recurring basis	'	'
Securities available-for-sale	0	0
Significant Unobservable Inputs, Level 3 [Member] \| Corporate bonds [Member]	'	'
Fair value measurements of assets recurring basis	'	'
Securities available-for-sale	0	0
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
Significant Unobservable Inputs, Level 3 [Member] \| Collateralized Debt Obligations [Member]	'	'
Fair value measurements of assets recurring basis	'	'
Securities available-for-sale	976	'
Fair Value, Measurements, Recurring [Member]	'	'
Fair value measurements of assets recurring basis	'	'
Securities available-for-sale	79,948	87,197
Fair Value, Measurements, Recurring [Member] \| U.S. Government and agency obligations [Member]	'	'
Fair value measurements of assets recurring basis	'	'
Securities available-for-sale	13,302	16,937
Fair Value, Measurements, Recurring [Member] \| State and municipal obligations [Member]	'	'
Fair value measurements of assets recurring basis	'	'
Securities available-for-sale	20,450	20,761
Fair Value, Measurements, Recurring [Member] \| Corporate bonds [Member]	'	'
Fair value measurements of assets recurring basis	'	'
Securities available-for-sale	6,168	5,165
Fair Value, Measurements, Recurring [Member] \| Mortgage-backed securities and other [Member]	'	'
Fair value measurements of assets recurring basis	'	'
Securities available-for-sale	39,052	44,334
Fair Value, Measurements, Recurring [Member] \| Collateralized Debt Obligations [Member]	'	'
Fair value measurements of assets recurring basis	'	'
Securities available-for-sale	$976	'

FAIR_VALUE_MEASUREMENTS_Detail2

FAIR VALUE MEASUREMENTS (Details 2) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'
Balance, beginning of year	$0
Transferred from held-to-maturity during the year	1,004
Total gains/losses	'
Included in earnings	0
Included in other comprehensive loss	-28
Balance, end of year	$976

FAIR_VALUE_MEASUREMENTS_Detail3

FAIR VALUE MEASUREMENTS (Details 3) (USD $)	Dec. 31, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Significant Unobservable Inputs, Level 3 [Member]	'	'
Fair value measurements of assets nonrecurring basis	'	'
Securities held-to-maturity, Fair Value	'	$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] \| 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] \| 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] \| Significant Unobservable Inputs, Level 3 [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
Impaired loans [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
Impaired loans [Member] \| Significant Other Observable Inputs, Level 2 [Member]	'	'
Fair value measurements of assets nonrecurring basis	'	'
Securities held-to-maturity, Fair Value	0	0
Impaired loans [Member] \| Significant Unobservable Inputs, Level 3 [Member]	'	'
Fair value measurements of assets nonrecurring basis	'	'
Securities held-to-maturity, Fair Value	22,881	23,370
Impaired loans [Member] \| Fair Value, Measurements, Nonrecurring [Member]	'	'
Fair value measurements of assets nonrecurring basis	'	'
Securities held-to-maturity, Fair Value	22,881	27,354
Real estate owned [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] \| 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] \| Significant Unobservable Inputs, Level 3 [Member]	'	'
Fair value measurements of assets nonrecurring basis	'	'
Securities held-to-maturity, Fair Value	1,219	3,671
Real estate owned [Member] \| Fair Value, Measurements, Nonrecurring [Member]	'	'
Fair value measurements of assets nonrecurring basis	'	'
Securities held-to-maturity, Fair Value	$1,219	$3,671

PARENT_COMPANY_FINANCIAL_INFOR2

PARENT COMPANY FINANCIAL INFORMATION (Details) (USD $)	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Assets	'	'	'
Cash and cash equivalents, Carrying amount	$25,357	$63,307	$39,314
Total assets	502,419	506,492	'
Liabilities:	'	'	'
Shareholdersâ€™ Equity	45,264	48,389	34,699
Total liabilities and shareholdersâ€™ equity	502,419	506,492	'
Parent Company [Member]	'	'	'
Assets	'	'	'
Cash and cash equivalents, Carrying amount	948	13,332	413
Investment in subsidiaries	44,336	39,249	'
Total assets	45,284	52,581	'
Liabilities:	'	'	'
Other liabilities	20	84	'
Payables to subsidiaries	0	4,108	'
Shareholdersâ€™ Equity	45,264	48,389	'
Total liabilities and shareholdersâ€™ equity	$45,284	$52,581	'

PARENT_COMPANY_FINANCIAL_INFOR3

PARENT COMPANY FINANCIAL INFORMATION (Details 1) (USD $)	3 Months Ended								12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Sep. 30, 2013	Jun. 30, 2013	Mar. 31, 2013	Dec. 31, 2012	Sep. 30, 2012	Jun. 30, 2012	Mar. 31, 2012	Dec. 31, 2013	Dec. 31, 2012
Consolidated Statements of Operations [Abstract]	'	'	'	'	'	'	'	'	'	'
Federal income tax	$0	($20)	($254)	($24)	$87	($127)	($218)	$189	($298)	($69)
Net (loss) income	-3,102	-127	156	142	-146	306	283	159	-2,931	602
Parent Company [Member]	'	'	'	'	'	'	'	'	'	'
Consolidated Statements of Operations [Abstract]	'	'	'	'	'	'	'	'	'	'
Dividends from subsidiaries	'	'	'	'	'	'	'	'	0	0
Equity in undistributed (loss) earnings of subsidiaries	'	'	'	'	'	'	'	'	-2,805	4,781
Other	'	'	'	'	'	'	'	'	0	0
Total income (loss) income	'	'	'	'	'	'	'	'	-2,805	4,781
Operating expenses	'	'	'	'	'	'	'	'	-126	444
Federal income tax	'	'	'	'	'	'	'	'	0	0
Net (loss) income	'	'	'	'	'	'	'	'	($2,931)	$4,337

PARENT_COMPANY_FINANCIAL_INFOR4

PARENT COMPANY FINANCIAL INFORMATION (Details 2) (USD $)	3 Months Ended								12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Sep. 30, 2013	Jun. 30, 2013	Mar. 31, 2013	Dec. 31, 2012	Sep. 30, 2012	Jun. 30, 2012	Mar. 31, 2012	Dec. 31, 2013	Dec. 31, 2012
Cash flows from operating activities	'	'	'	'	'	'	'	'	'	'
Net (loss) income	($3,102)	($127)	$156	$142	($146)	$306	$283	$159	($2,931)	$602
Adjustments to reconcile net (loss) income to cash provided by operating activities:	'	'	'	'	'	'	'	'	'	'
Net change in other assets and liabilities	'	'	'	'	'	'	'	'	-3,260	151
Cash flows used in investing activities	'	'	'	'	'	'	'	'	'	'
Net cash from investing activities	'	'	'	'	'	'	'	'	-40,820	38,599
Cash flows from financing activities	'	'	'	'	'	'	'	'	'	'
Proceeds from issuance of common stock	'	'	'	'	'	'	'	'	0	12,931
Net cash from financing activities	'	'	'	'	'	'	'	'	-1,520	-16,745
Net change in cash	'	'	'	'	'	'	'	'	-37,950	23,993
Cash and cash equivalents at beginning of year	'	'	'	63,307	'	'	'	39,314	63,307	39,314
Cash and cash equivalents at end of year	25,357	'	'	'	63,307	'	'	'	25,357	63,307
Parent Company [Member]	'	'	'	'	'	'	'	'	'	'
Cash flows from operating activities	'	'	'	'	'	'	'	'	'	'
Net (loss) income	'	'	'	'	'	'	'	'	-2,931	4,337
Adjustments to reconcile net (loss) income to cash provided by operating activities:	'	'	'	'	'	'	'	'	'	'
Excess distributions from subsidiaries	'	'	'	'	'	'	'	'	2,805	-4,781
Net change in other assets and liabilities	'	'	'	'	'	'	'	'	-4,171	59
Net cash from operating activities	'	'	'	'	'	'	'	'	-4,297	-385
Cash flows used in investing activities	'	'	'	'	'	'	'	'	'	'
Investments in affiliates	'	'	'	'	'	'	'	'	5	0
Net cash from investing activities	'	'	'	'	'	'	'	'	5	0
Cash flows from financing activities	'	'	'	'	'	'	'	'	'	'
Repayment of short-term borrowings	'	'	'	'	'	'	'	'	0	0
Capitalized interest of intercompany payable	'	'	'	'	'	'	'	'	0	373
Investment in Subsidiary	'	'	'	'	'	'	'	'	-8,092	0
Proceeds from issuance of common stock	'	'	'	'	'	'	'	'	0	12,931
Net cash from financing activities	'	'	'	'	'	'	'	'	-8,092	13,304
Net change in cash	'	'	'	'	'	'	'	'	-12,382	12,919
Cash and cash equivalents at beginning of year	'	'	'	13,332	'	'	'	413	13,332	413
Cash and cash equivalents at end of year	$948	'	'	'	$13,332	'	'	'	$948	$13,332

PARENT_COMPANY_FINANCIAL_INFOR5

PARENT COMPANY FINANCIAL INFORMATION (Details Textual) (USD $)	Dec. 31, 2012
Condensed Financial Statements, Captions [Line Items]	'
Loans Payable to Bank	$3,735

DETAILS_OF_OPERATING_EXPENSES_1

DETAILS OF OPERATING EXPENSES (Details) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Details Of Operating Expenses [Line Items]	'	'
Bank occupancy expense	$1,590	$748
Equipment lease	342	46
Equipment depreciation	303	879
Software maintenance	824	750
Other	10	485
Total	$3,069	$2,908

DETAILS_OF_OPERATING_EXPENSES_2

DETAILS OF OPERATING EXPENSES (Details 1) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Details Of Operating Expenses [Line Items]	'	'
Other Noninterest Expense	$2,942	$3,472
ATM and debit cards [Member]	'	'
Details Of Operating Expenses [Line Items]	'	'
Other Noninterest Expense	772	653
Telephone [Member]	'	'
Details Of Operating Expenses [Line Items]	'	'
Other Noninterest Expense	320	331
Loan [Member]	'	'
Details Of Operating Expenses [Line Items]	'	'
Other Noninterest Expense	482	529
Real estate taxes [Member]	'	'
Details Of Operating Expenses [Line Items]	'	'
Other Noninterest Expense	281	351
OREO expenses [Member]	'	'
Details Of Operating Expenses [Line Items]	'	'
Other Noninterest Expense	22	328
Other operating [Member]	'	'
Details Of Operating Expenses [Line Items]	'	'
Other Noninterest Expense	$1,065	$1,280

QUARTERLY_FINANCIAL_DATA_Unaud2

QUARTERLY FINANCIAL DATA (Unaudited) (Details) (USD $)	3 Months Ended								12 Months Ended
In Thousands, except Share data, unless otherwise specified	Dec. 31, 2013	Sep. 30, 2013	Jun. 30, 2013	Mar. 31, 2013	Dec. 31, 2012	Sep. 30, 2012	Jun. 30, 2012	Mar. 31, 2012	Dec. 31, 2013	Dec. 31, 2012
Quarterly Financial Data [Abstract]	'	'	'	'	'	'	'	'	'	'
Interest income	$4,372	$4,316	$4,245	$4,146	$4,505	$4,579	$4,725	$5,039	$17,079	$18,848
Interest expense	369	425	494	530	605	743	857	1,033	1,818	3,238
Net interest income	4,003	3,891	3,751	3,616	3,900	3,836	3,868	4,006	15,261	15,610
Provision for loan losses	3,307	0	-240	-650	-300	65	255	475	2,417	495
Net interest income after provision for loan losses	696	3,891	3,991	4,266	4,200	3,771	3,613	3,531	12,844	15,115
Other non-interest income	1,116	1,192	1,351	1,308	944	1,158	1,234	1,688	4,967	5,024
Other non-interest expense	4,914	5,230	5,440	5,456	5,203	4,750	4,782	4,871	21,040	19,606
(Loss) income before income tax expense	-3,102	-147	-98	118	-59	179	65	348	-3,229	533
Income tax expense (benefit)	0	-20	-254	-24	87	-127	-218	189	-298	-69
Net (loss) income	($3,102)	($127)	$156	$142	($146)	$306	$283	$159	($2,931)	$602
Stock and related per share data	'	'	'	'	'	'	'	'	'	'
Basic and diluted (loss) earnings per common share (in dollars per share)	($0.43)	($0.02)	$0.02	$0.02	($0.03)	$0.08	$0.08	$0.04	($0.41)	$0.15
Basic weighted average common shares outstanding (in shares)	7,192,350	7,192,350	7,192,350	7,192,350	3,902,196	3,717,385	3,717,385	3,717,385	7,192,350	3,902,196
Diluted weighted average common shares outstanding (in shares)	7,192,350	7,192,350	7,227,901	7,223,144	3,902,196	3,739,777	3,740,349	3,736,217	7,192,350	3,919,080

SUBSEQUENT_EVENT_Details

SUBSEQUENT EVENT (Details) (USD $)	Dec. 31, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Subsequent Event [Line Items]	'	'
Deposits assumed	$426,859	$448,290
Property and equipment (agreed upon value)	-10,641	-12,036
Subsequent Event [Member]	'	'
Subsequent Event [Line Items]	'	'
Deposits assumed	19,403	'
Loans sold (at book value)	-4,750	'
Property and equipment (agreed upon value)	-1,500	'
Cash on hand	-261	'
Premium on deposits	-441	'
Other, net	13	'
Cash paid to Merchants	$12,464	'

SUBSEQUENT_EVENT_Details_Textu

SUBSEQUENT EVENT (Details Textual) (Subsequent Event [Member], USD $)	Mar. 21, 2014
In Millions, unless otherwise specified	Mar. 21, 2014
Subsequent Event [Member]	'
Subsequent Event [Line Items]	'
Deposits Liabilities	$19.40
Loans Purchase	$4.80