First Federal of Northern Michigan Bancorp (FFNM) 10-Q 14 Nov 13 2013 Q3 Quarterly report Financial data

Document_and_Entity_Informatio

Document and Entity Information	9 Months Ended
	Sep. 30, 2013	Nov. 14, 2013
Document and Entity Information [Abstract]	'	'
Document Type	'10-Q	'
Amendment Flag	'false	'
Document Period End Date	30-Sep-13	'
Entity Registrant Name	'First Federal of Northern Michigan Bancorp, Inc.	'
Entity Central Index Key	'0001128227	'
Trading Symbol	'FFNM	'
Current Fiscal Year End Date	'--12-31	'
Document Fiscal Year Focus	'2013	'
Document Fiscal Period Focus	'Q3	'
Entity Filer Category	'Smaller Reporting Company	'
Entity Common Stock, Shares Outstanding	'	2,884,049

Consolidated_Balance_Sheet

Consolidated Balance Sheet (USD $)	Sep. 30, 2013	Dec. 31, 2012
Cash and cash equivalents:	'	'
Cash on hand and due from banks	$3,506,272	$2,732,109
Overnight deposits with FHLB	30,725	19,701
Total cash and cash equivalents	3,536,997	2,751,810
Securities AFS	50,280,668	50,763,551
Securities HTM	2,305,000	2,345,000
Loans held for sale	973,920	78,712
Loans receivable, net of allowance for loan losses of $1,793,258 and $1,749,915 as of September 30, 2013 and December 31, 2012, respectively	138,005,242	138,911,989
Foreclosed real estate and other repossessed assets	2,241,522	2,387,307
Federal Home Loan Bank stock, at cost	3,266,100	3,266,100
Premises and equipment	5,190,283	5,394,412
Accrued interest receivable	953,288	970,450
Intangible assets	69,378	158,316
Prepaid FDIC premiums	'	582,945
Deferred tax asset	759,380	330,831
Originated mortgage servicing rights (net of valuation reserve)	906,012	1,016,070
Bank owned life insurance	4,575,291	4,474,563
Other assets	812,188	402,090
Total assets	213,875,269	213,834,146
Liabilities:	'	'
Deposits	158,054,264	158,350,134
Advances from borrowers for taxes and insurance	216,038	132,823
Federal Home Loan Bank Advances	25,015,573	26,357,962
REPO sweep accounts	5,560,451	3,183,351
Accrued expenses and other liabilities	1,179,461	1,375,092
Total liabilities	190,025,787	189,399,362
Stockholders' equity:	'	'
Common stock ($0.01 par value 20,000,000 shares authorized 3,191,799 shares issued and outstanding) at September 30, 2013 and December 31, 2012	31,918	31,918
Additional paid-in capital	23,853,891	23,853,891
Retained earnings	3,012,759	2,766,170
Treasury stock at cost (307,750 shares) at September 30, 2013 and December 31, 2012	-2,963,918	-2,963,918
Accumulated other comprehensive (loss) income	-85,168	746,723
Total stockholders' equity	23,849,482	24,434,784
Total liabilities and stockholders' equity	$213,875,269	$213,834,146

Consolidated_Balance_Sheet_Par

Consolidated Balance Sheet (Parenthetical) (USD $)	Sep. 30, 2013	Dec. 31, 2012
Consolidated Balance Sheet [Abstract]	'	'
Allowance for loan losses	$1,793,258	$1,749,915
Common stock, par value per share	$0.01	$0.01
Common stock, shares authorized	20,000,000	20,000,000
Common stock, shares issued	3,191,799	3,191,799
Common stock, shares outstanding	3,191,799	3,191,799
Treasury stock, shares	307,750	307,750

Consolidated_Statement_of_Inco

Consolidated Statement of Income (USD $)	3 Months Ended		9 Months Ended
	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
Interest income:	'	'	'	'
Interest and fees on loans	$1,786,663	$1,995,749	$5,429,925	$6,047,447
Interest and dividends on investments	'	'	'	'
Taxable	121,899	136,100	361,219	423,308
Tax-exempt	37,054	38,438	112,098	116,240
Interest on mortgage-backed securities	119,852	142,309	342,018	486,153
Total interest income	2,065,468	2,312,596	6,245,260	7,073,148
Interest expense:	'	'	'	'
Interest on deposits	201,046	249,442	631,586	793,620
Interest on borrowings	73,553	144,584	249,017	491,872
Total interest expense	274,599	394,026	880,603	1,285,492
Net interest income	1,790,869	1,918,570	5,364,657	5,787,656
Provision for loan loss	31,733	234,005	371,560	1,188,588
Net interest income after provision for loan losses	1,759,136	1,684,565	4,993,097	4,599,068
Non-interest income:	'	'	'	'
Service charges and other fees	240,103	205,592	654,822	563,084
Mortgage banking activities	155,869	441,445	487,993	876,090
Net loss on sale of premises and equipment, real estate owned and other repossessed assets	-11,462	-10,691	-10,712	-80,796
Net gain on sale of investment securities	'	47,017	'	47,017
Other	74,468	119,519	231,831	234,961
Total non-interest income	458,978	802,882	1,363,934	1,640,356
Non-interest expense:	'	'	'	'
Compensation and employee benefits	1,179,082	1,243,598	3,472,983	3,692,139
FDIC Insurance Premiums	43,378	47,190	138,054	141,314
Advertising	27,676	29,005	95,391	111,489
Occupancy	237,924	239,900	689,578	719,148
Amortization of intangible assets	29,646	29,646	88,938	146,893
Service bureau charges	79,301	73,495	233,884	229,149
Professional services	84,011	89,559	343,845	297,403
Collection activity and real estate owned expense	42,840	41,165	106,603	156,434
Other	311,798	283,738	941,166	1,026,775
Total non-interest expense	2,035,656	2,077,296	6,110,442	6,520,744
Income (loss) before income tax benefit	182,458	410,151	246,589	-281,320
Income tax expense (benefit)	'	137,375	'	-884,822
Net income	182,458	272,776	246,589	603,502
Other comprehensive income (loss):	'	'	'	'
Net income	182,458	272,776	246,589	603,502
Change in unrealized gain on available-for-sale securities, net of tax	-274,115	-48,099	-831,890	118,587
Comprehensive income (loss)	($91,657)	$224,677	($585,301)	$722,089
Net income per share	'	'	'	'
Basic	$0.06	$0.09	$0.09	$0.21
Diluted	$0.06	$0.09	$0.09	$0.21
Weighted average number of shares outstanding	'	'	'	'
Basic	2,884,049	2,884,049	2,884,049	2,884,049
Including dilutive stock options	'	'	'	'
Dividends per common share	'	'	'	'

Consolidated_Statement_of_Chan

Consolidated Statement of Changes in Stockholders' Equity (USD $)	Total	Common Stock [Member]	Treasury Stock [Member]	Additional Paid-in Capital [Member]	Retained Earnings [Member]	Accumulated Other Comprehensive Income [Member]
Balance at Dec. 31, 2012	$24,434,784	$31,918	($2,963,918)	$23,853,891	$2,766,170	$746,723
Net income	246,589	'	'	'	246,589	'
Change in unrealized gain on available-for-sale securities (net of tax of $428,550)	-831,891	'	'	'	'	-831,891
Balance at Sep. 30, 2013	$23,849,482	$31,918	($2,963,918)	$23,853,891	$3,012,759	($85,168)

Consolidated_Statement_of_Chan1

Consolidated Statement of Changes in Stockholders' Equity (Parenthetical) (USD $)	9 Months Ended
	Sep. 30, 2013
Consolidated Statement of Changes in Stockholders' Equity [Abstract]	'
Change in unrealized gain on available-for-sale securities, tax	$428,550

Consolidated_Statement_of_Cash

Consolidated Statement of Cash Flows (USD $)	9 Months Ended
	Sep. 30, 2013	Sep. 30, 2012
Cash Flows from Operating Activities:	'	'
Net income	$246,589	$603,502
Adjustments to reconcile net income to net cash from operating activities:	'	'
Depreciation and amortization	301,053	378,619
Provision for loan loss	371,560	1,188,588
Amortization and accretion on securities	439,662	371,770
Gain on sale of investment securities	'	-47,017
Stock-based compensation	'	1,766
Gain on sale of loans held for sale	-207,229	-393,692
Originations of loans held for sale	-12,443,497	-26,174,538
Proceeds from sale of loans held for sale	11,755,518	25,526,776
Loss on sale of fixed assets	-9,084	698
Loss on sale of real estate owned and other repossessed assets	19,796	80,098
Net change in:	'	'
Accrued interest receivable	17,162	29,168
Other assets	-300,039	-188,024
Prepaid FDIC insurance premiums	582,945	131,569
Bank owned life insurance	-100,728	-35,583
Deferred income tax (benefit) expense	'	-807,808
Accrued expenses and other liabilities	-195,632	-95,492
Net cash provided by operating activities	478,076	570,400
Cash Flows from Investing Activities:	'	'
Net (increase) decrease in loans	-678,131	47,965
Proceeds from maturity and sale of available-for-sale securities	12,840,206	16,906,748
Proceeds from sale of property and equipment	56,163	425
Purchase of securities	-14,017,425	-16,446,962
Purchase of premises and equipment	-55,065	-117,655
Proceeds from sale of real estate owned and other repossessed assets	1,339,307	2,313,794
Net cash (used in) provided by investing activities	-514,945	2,704,315
Cash Flows from Financing Activities:	'	'
Net (decrease) increase in deposits	-295,870	8,026,680
Net increase (decrease) in Repo Sweep accounts	2,377,100	-1,347,279
Net increase in advances from borrowers	83,215	82,146
Advances from Federal Home Loan Bank and notes payable	39,155,000	32,250,000
Repayments of Federal Home Loan Bank advances and notes payable	-40,497,389	-41,750,000
Net cash provided by (used for) financing activities	822,056	-2,738,453
Net increase in cash and cash equivalents	785,187	536,262
Cash and cash equivalents at beginning of period	2,751,810	2,749,498
Cash and cash equivalents at end of period	3,536,997	3,285,760
Supplemental disclosure of cash flow information:	'	'
Cash paid during the period for interest	880,717	1,322,705
Cash paid during the period for: Income taxes	'	'
Transfers of loans to foreclosed real estate and repossessed assets	$1,213,318	$1,273,811

BASIS_OF_FINANCIAL_STATEMENT_P

BASIS OF FINANCIAL STATEMENT PRESENTATION	9 Months Ended
	Sep. 30, 2013
BASIS OF FINANCIAL STATEMENT PRESENTATION [Abstract]	'
BASIS OF FINANCIAL STATEMENT PRESENTATION	'
	Note 1-BASIS OF FINANCIAL STATEMENT PRESENTATION
	The accompanying unaudited condensed consolidated interim financial statements have been prepared in conformity with accounting principles generally accepted in the United States of America and with the instructions to Form 10-Q. Accordingly, certain information and disclosures required by accounting principles generally accepted in the United States of America for complete financial statements are not included herein. The interim financial statements should be read in conjunction with the financial statements of First Federal of Northern Michigan Bancorp, Inc. and Subsidiaries and the notes thereto included in the Company's annual report on Form 10-K for the year ended December 31, 2012.
	All adjustments, consisting only of normal recurring adjustments, which in the opinion of management are necessary for a fair presentation of financial position, results of operations and cash flows, have been made. The results of operations for the three and nine months ended September 30, 2013 are not necessarily indicative of the results that may be expected for the year ending December 31, 2013.

PRINCIPLES_OF_CONSOLIDATION

PRINCIPLES OF CONSOLIDATION	9 Months Ended
	Sep. 30, 2013
PRINCIPLES OF CONSOLIDATION [Abstract]	'
PRINCIPLES OF CONSOLIDATION	'
	Note 2- PRINCIPLES OF CONSOLIDATION
	The consolidated financial statements include the accounts of First Federal of Northern Michigan Bancorp, Inc., First Federal of Northern Michigan (the "Bank"), and the Bank's wholly owned subsidiaries, Financial Services & Mortgage Corporation ("FSMC") and FFNM Agency. FSMC invests in real estate, which includes leasing, selling, developing, and maintaining real estate properties. The main activity of FFNM Agency is to collect the stream of income associated with the sale of the Blue Cross/Blue Shield override business to the Grotenhuis Group. All significant intercompany balances and transactions have been eliminated in the consolidation.

SECURITIES

SECURITIES	9 Months Ended
	Sep. 30, 2013
SECURITIES [Abstract]	'
SECURITIES	'
	Note 3-SECURITIES
	Investment securities have been classified according to management's intent. The carrying value and estimated fair value of securities are as follows:
		30-Sep-13
		Amortized		Gross			Gross			Market
		Cost		Unrealized			Unrealized			Value
				Gains			Losses
		(dollars in thousands)
	Securities Available for Sale
	U.S. Government and agency obligations	$	7,130	$	43		$	(98	)		7,075
	Municipal obligations		11,876		215			(297	)		11,794
	Corporate bonds & other obligations		1,098		13			-			1,111
	Mortgage-backed securities		30,304		340			(346	)		30,298
	Equity securities		2		1			-			3
	Total	$	50,410	$	612		$	(741	)	$	50,281
	Securities Held to Maturity
	Municipal obligations	$	2,305	$	145		$	-		$	2,450
		31-Dec-12
		Amortized		Gross			Gross			Market
		Cost		Unrealized			Unrealized			Value
				Gains			(Losses)
		(in thousands)
	Securities Available for Sale
	U.S. Government and agency obligations	$	9,181	$	66		$	-		$	9,247
	Municipal obligations		10,413		368			(23	)		10,758
	Corporate bonds & other obligations		1,135		15			-			1,150
	Mortgage-backed securities		28,901		736			(29	)		29,608
	Equity securities		3		-			(2	)		1
	Total	$	49,633	$	1,185		$	(54	)	$	50,764
	Securities Held to Maturity
	Municipal obligations	$	2,345	$	225		$	-		$	2,570
	The amortized cost and estimated market value of securities at September 30, 2013, by contract maturity, are shown below. Expected maturities will differ from contractual maturities because issuers may have the right to call or prepay obligations with or without call or prepayment penalties. Securities with no specified maturity date are separately stated.
		30-Sep-13
		Amortized		Market
		Cost		Value
		(dollars in thousands)
	Available For Sale:
	Due in one year or less	$	2,076	$	2,086
	Due after one year through five years		11,042		11,153
	Due in five year through ten years		6,740		6,451
	Due after ten years		246		290
	Subtotal		20,104		19,980
	Equity securities		2		3
	Mortgage-backed securities		30,304		30,298
	Total	$	50,410	$	50,281
	Held To Maturity:
	Due in one year or less	$	90	$	91
	Due after one year through five years		1,615		1,695
	Due in five year through ten years		300		332
	Due after ten years		300		332
	Total	$	2,305	$	2,450
	At September 30, 2013 and December 31, 2012, securities with a carrying value and fair value of $37,820,000 and $44,135,000, respectively, were pledged to certain deposit accounts, FHLB advances and our line of credit at the Federal Reserve.
	Gross proceeds from the sale of securities for the nine-months ended September 30, 2013 and 2012 were $0 and $1,553,000, respectively, resulting in gross gains of $0 and $54,000, respectively and gross losses of $0 and $7,000, respectively.
	The following is a summary of temporarily impaired investments that have been impaired for less than and more than twelve months as of September 30, 2013 and December 31, 2012:
		30-Sep-13
				Gross						Gross
				Unrealized						Unrealized
				Losses						Losses
		Fair Value		less than 12			Fair Value			greater than 12
				months						months
		(dollars in thousands)
	Available For Sale:
	U.S. Government and agency obligations	$	901	$	(98	)	$	-		$	-
	Municipal obligations		6,773		(274	)		953			(23	)
Mortgage-backed securities		13,131		(282	)		2,175			(64	)
Equity securities		-		-			-			-
Total	$	20,805	$	(654	)	$	3,128		$	(87	)
Held to Maturity:
Municipal obligations	$	-	$	-		$	-		$	-
	31-Dec-12
			Gross						Gross
			Unrealized						Unrealized
			Losses						Losses
	Fair Value		less than 12			Fair Value			greater than 12
			months						months
	(in thousands)
Available For Sale:
U.S. Government and agency obligations	$	-	$	-		$	-		$	-
Municipal obligations		1,537		(23	)		-			-
Mortgage-backed securities		2,725		(13	)		1,687			(16	)
Equity securities		-		-			1			(2	)
Total	$	4,262	$	(36	)	$	1,688		$	(18	)
Held to Maturity:
Municipal obligations	$	-	$	-		$	-		$	-
As of September 30, 2013, there were 5 securities with an estimated fair value of $3,128,000 and unrealized losses of $87,000 in a continuous unrealized loss position for more than twelve months compared to 2 securities with an estimated fair value of $1,688,000 and unrealized losses of $18,000 at December 31, 2012. The Company had 26 securities with an estimated fair value of $20,805,000 and unrealized losses of $654,000 in a continuous unrealized loss position for less than twelve months compared to 7 securities with an estimated fair value of $4,262,000 and unrealized loss of $36,000 at December 31, 2012.
The unrealized losses on the securities held in the portfolio are not considered other than temporary and have not been recognized into income. This decision is based on the Company's ability and intent to hold any potentially impaired security until maturity. The performance of the security is based on the contractual terms of the agreement, the extent of the impairment and the financial condition and credit quality of the issuer. The decline in market value is considered temporary and a result of changes in interest rates and other market variables.

LOANS

LOANS	9 Months Ended
	Sep. 30, 2013
LOANS [Abstract]	'
LOANS	'
	Note 4-LOANS
	The following table sets forth the composition of our loan portfolio by loan type at the dates indicated.
		At September 30,			At December 31,
		2013			2012
		(dollars in thousands)
	Real estate loans:
	Residential mortgage	$	64,244		$	66,539
	Commercial loans:
	Secured by real estate		53,022			54,673
	Other		12,429			8,102
	Total commercial loans		65,451			62,775
	Consumer loans:
	Secured by real estate		9,286			10,409
	Other		1,117			1,259
	Total consumer loans		10,403			11,668
	Total gross loans	$	140,098		$	140,982
	Less:
	Net deferred loan fees		(300	)		(320	)
	Allowance for loan losses		(1,793	)		(1,750	)
	Total loans, net	$	138,005		$	138,912
	The following table illustrates the contractual aging of the recorded investment in past due loans by class of loans as of September 30, 2013 and December 31, 2012:
	Contractual Aging of Recorded Balance in Past Due Loans by Class of Loan
	As of September 30, 2013
																				Recorded
								Greater than												Investment greater than 90
		30 - 59 Days			60 - 89 Days			90 Days			Total						Total Loans			Days and
		Past Due			Past Due			Past Due			Past Due			Current			Receivables			Accruing
		(dollars in thousands)
	Commercial Real Estate:
	Commercial Real Estate - construction	$	-		$	-		$	173		$	173		$	-		$	173		$	-
	Commercial Real Estate - other		39			1,305			2,151			3,495			49,354			52,849			-
	Commercial - non real estate		66			27			-			93			12,336			12,429			-
	Consumer:
	Consumer - Real Estate		121			13			-			134			9,152			9,286			-
	Consumer - Other		-			-			-			-			1,117			1,117			-
	Residential:
	Residential		1,631			552			759			2,942			61,302			64,244			85
	Total	$	1,857		$	1,897		$	3,083		$	6,837		$	133,261		$	140,098		$	85
	As of December 31, 2012
																				Recorded
								Greater than												Investment greater than 90
		30 - 59 Days			60 - 89 Days			90 Days			Total						Total Loans			Days and
		Past Due			Past Due			Past Due			Past Due			Current			Receivables			Accruing
		(dollars in thousands)
	Commercial Real Estate:
	Commercial Real Estate - construction	$	-		$	-		$	173		$	173		$	2,073		$	2,246		$	-
	Commercial Real Estate - other		3,210			540			282			4,032			48,395			52,427			-
	Commercial - non real estate		113			-			-			113			7,989			8,102			-
	Consumer:
	Consumer - Real Estate		59			-			13			72			10,337			10,409			-
	Consumer - Other		11			5			6			22			1,237			1,259			6
	Residential:
	Residential		2,047			796			1,198			4,041			62,498			66,539			61
	Total	$	5,440		$	1,341		$	1,672		$	8,453		$	132,529		$	140,982		$	67
	The Bank uses an eight tier risk rating system to grade its commercial loans. The grade of a loan may change during the life of the loans. The risk ratings are described as follows:
	Risk Grade 1 (Excellent) - Prime loans based on liquid collateral, with adequate margin or supported by strong financial statements. Probability of serious financial deterioration is unlikely. High liquidity, minimum risk, strong ratios, and low handling costs are common to these loans. This classification also includes all loans secured by certificates of deposit or cash equivalents.
	Risk Grade 2 (Good) - Desirable loans of somewhat less stature than Grade 1, but with strong financial statements. Probability of serious financial deterioration is unlikely. These loans possess a sound repayment source (and/or a secondary source). These loans represent less than the normal degree of risk associated with the type of financing contemplated.
	Risk Grade 3 (Satisfactory) - Satisfactory loans of average risk - may have some minor deficiency or vulnerability to changing economic conditions, but still fully collectible. There may be some minor weakness but with offsetting features or other support readily available. These loans present a normal degree of risk associated with the type of financing. Actual and projected indicators and market conditions provide satisfactory assurance that the credit shall perform in accordance with agreed terms.
	Risk Grade 4 (Acceptable) - Loans considered satisfactory, but which are of slightly "below average" credit risk due to financial weaknesses or uncertainty. The loans warrant a somewhat higher than average level of monitoring to insure that weaknesses do not advance. The level of risk is considered acceptable and within normal underwriting guidelines, so long as the loan is given the proper level of management supervision.
	Risk Grade 4.5 (Monitored) - Loans are considered "below average" and monitored more closely due to some credit deficiency that poses additional risk but is not considered adverse to the point of being a "classified" credit. Possible reasons for additional monitoring may include characteristics such as temporary negative debt service coverage due to weak economic conditions; borrower may have experienced recent losses from operations, declining equity and/or increasing leverage, or marginal liquidity that may affect long-term sustainability. Loans of this grade have a higher degree of risk and warrant close monitoring to insure against further deterioration. In any tables presented subsequently, Risk Grade 4.5 credits are included with Risk Grade 4 credits.
	Risk Grade 5 (Other Assets Especially Mentioned) (OAEM) - Loans which possess some credit deficiency or potential weakness, which deserve 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.
	Risk Grade 6 (Substandard) - Loans are "substandard" whose full, final collectability does not appear to be a matter of serious doubt, but which nevertheless portray some form of well defined weakness that requires close supervision by Bank management. The noted weaknesses involve more than normal banking risk. One or more of the following characteristics may be exhibited in loans classified Substandard: (1) Loans possess a defined credit weakness and the likelihood that the loan shall be paid from the primary source of repayment is uncertain; (2) Loans are not adequately protected by the current net worth and/or paying capacity of the obligor; (3) 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; (4) distinct possibility that the Bank shall sustain some loss if deficiencies are not corrected; (5) unusual courses of action are needed to maintain a high probability of repayment; (6) the borrower is not generating enough cash flow to repay loan principal, however, continues to make interest payments; (7) the Bank is forced into a subordinated or unsecured position due to flaws in documentation; (8) loans have been restructured so that payment schedules, terms, and collateral represent concessions to the borrower when compared to normal loan terms; (9) the Bank is contemplating foreclosure or legal action due to the apparent deterioration in the loan; or (10) there is a significant deterioration in the market conditions and the borrower is highly vulnerable to these conditions.
	Grade 7 (Doubtful) - Loans have all the weaknesses of those classified Substandard. Additionally, however, these weaknesses make collection or liquidation in full, based on existing conditions, improbable. Loans in this category are typically not performing in conformance with established terms and conditions. Full repayment is considered "Doubtful", but extent of loss is not currently determinable.
Risk Grade 8 (Loss) - Loans are considered uncollectible and of such little value, that continuing to carry them as an asset on the Bank's financial statements is not feasible.
The following table presents the risk category of loans by class of loans based on the most recent analysis performed as of September 30, 2013 and December 31, 2012:
	As of September 30, 2013
	Commercial Real Estate			Commercial Real Estate
Loan Grade	Construction			Other			Commercial
	(dollars in thousands)
2-Jan	$	-		$	-		$	-
3		-			15,822			5,954
4		-			27,878			6,179
5		-			5,468			106
6		173			3,681			190
7		-			-			-
8		-			-			-
Total	$	173		$	52,849		$	12,429
	As of December 31, 2012
	Commercial Real Estate			Commercial Real Estate
Loan Grade	Construction			Other			Commercial
	(dollars in thousands)
2-Jan	$	-		$	-		$	-
3		615			13,895			2,376
4		1,458			27,488			5,489
5		-			2,712			37
6		173			8,332			200
7		-			-			-
8		-			-			-
Total	$	2,246		$	52,427		$	8,102
For residential real estate and other consumer credit the Company also evaluates credit quality based on the aging status of the loan and by payment activity. Loans 60 or more days past due are monitored by the collection committee.
The following tables present the risk category of loans by class based on the most recent analysis performed as of September 30, 2013 and December 31, 2012:
As of September 30, 2013
(dollars in thousands)
	Residential
Loan Grade:
Pass	$	63,089
Special Mention		-
Substandard		1,155
Total	$	64,244
	Consumer -
	Real Estate			Consumer - Other
	(dollars in thousands)
Performing	$	9,279		$	1,117
Nonperforming		7			-
Total	$	9,286		$	1,117
As of December 31, 2012
	Residential
	(dollars in thousands)
Loan Grade:
Pass	$	64,668
Special Mention		-
Substandard		1,871
Total	$	66,539
	Consumer -
	Real Estate			Consumer - Other
	(dollars in thousands)
Performing	$	10,381		$	1,253
Nonperforming		28			6
Total	$	10,409		$	1,259
The following table presents the recorded investment in non-accrual loans by class as of September 30, 2013 and December 31, 2012:
	As of
	30-Sep-13			31-Dec-12
	(in thousands)
Commercial Real Estate:
Commercial Real Estate - construction	$	173		$	173
Commercial Real Estate - other		2,151			2,851
Commercial		-			-
Consumer:
Consumer - real estate		7			28
Consumer - other		-			1
Residential:
Residential		1,071			1,810
Total	$	3,402		$	4,863
The key features of the Company's loan modifications are determined on a loan-by-loan basis. Generally, our restructurings have related to interest rate reductions and loan term extensions. In the past the Company has granted reductions in interest rates, payment extensions and short-term payment forbearances as a means to maximize collectability of troubled credits. The Company has not forgiven principal to date, although this would be considered if necessary to ensure the long-term collectability of the loan. The Company's loan modifications are typically short-term in nature, although the Company would consider a long-term modification to ensure the long-term collectability of the credit. At a minimum, a borrower must make at least six consecutive timely payments before the Company would consider a return of a restructured loan to accruing status in accordance with Federal Deposit Insurance Corporation guidelines regarding restoration of credits to accrual status.
The Bank has classified approximately $2.4 million of its impaired loans as troubled debt restructurings as of September 30, 2013. There were no commitments to extend credit to borrowers with loans classified as troubled debt restructurings as of September 30, 2013 and December 31, 2012.
For the three months ended September 30, 2013 the Company did not have any new troubled debt restructurings or troubled debt restructurings that subsequently defaulted.
	Troubled Debt Restructurings									Troubled Debt Restructurings that Subsequently
										Defaulted
	For the three months ended September 30, 2012									For the three months ended September 30, 2012
	Number of			Pre-modification			Post-modification			Number of  Loans			Recorded Investment
	Loans			outstanding recorded			outstanding recorded
				investment			investment
				(dollars in thousands)									(dollars in thousands)
Troubled Debt Restructurings
Commercial Real Estate - Construction		-		$	-		$	-			-		$	-
Commercial Real Estate - Other		-			-			-			-			-
Commercial - non real estate		2			1,914			1,454			-			-
Residential		-			-			-			-			-
Total		2		$	1,914		$	1,454			-		$	-
	Troubled Debt Restructurings									Troubled Debt Restructurings that Subsequently
										Defaulted
	For the nine months ended September 30, 2013									For the nine months ended September 30, 2013
	Number of			Pre-modification			Post-modification			Number of  Loans			Recorded Investment
	Loans			outstanding recorded			outstanding recorded
				investment			investment
				(dollars in thousands)									(dollars in thousands)
Commerical Real Estate - Construction		-		$	-		$	-			-		$	-
Commercial Real Estate - Other		2			2,442			2,434			-			-
Consumer - Real Estate		-			-			-			-			-
Residential		2			331			268			1			190
Total		4		$	2,773		$	2,702			1		$	190
	Troubled Debt Restructurings									Troubled Debt Restructurings that Subsequently
										Defaulted
	For the nine months ended September 30, 2012									For the nine months ended September 30, 2012
	Number of			Pre-modification			Post-modification			Number of  Loans			Recorded Investment
	Loans			outstanding recorded			outstanding recorded
				investment			investment
				(dollars in thousands)									(dollars in thousands)
Troubled Debt Restructurings
Commercial Real Estate - Construction		-		$	-		$	-			-		$	-
Commercial Real Estate - Other		-			-			-			1			63
Commercial - non real estate		4			3,542			3,052			-			-
Residential		-			-			-			-			-
Total		4		$	3,542		$	3,052			1		$	63
For the majority of the Bank's impaired loans, the Bank will apply the observable market price methodology. However, the Bank may also utilize a measurement incorporating the present value of expected future cash flows discounted at the loan's effective rate of interest. To determine observable market price, collateral asset values securing an impaired loan are periodically evaluated. Maximum time of re-evaluation is every 12 months. In this process, third party evaluations are obtained and heavily relied upon. Until such time that updated evaluations are received, the Bank may discount the collateral value used.
The Bank uses the following guidelines, as stated in policy, to determine when to realize a charge-off, whether a partial or full loan balance. A charge down in whole or in part is realized when unsecured consumer loans, credit card credits and overdraft lines of credit reach 90 days delinquency. At 120 days delinquency, secured consumer loans are charged down to the value of collateral, if repossession of the collateral is assured and/or in the process of repossession. Consumer mortgage loan deficiencies are charged down upon the sale of the collateral or sooner upon the recognition of collateral deficiency. Commercial credits are charged down at 90 days delinquency, unless an established and approved work-out plan is in place or litigation of the credit will likely result in recovery of the loan balance. Upon notification of bankruptcy, unsecured debt is charged off. Additional charge-offs may be realized as further unsecured positions are recognized.
The following tables present loans individually evaluated for impairment by class of loans as of September 30, 2013 and December 31, 2012:
										For the Three Months Ended						For the Nine Months Ended
Impaired Loans										September 30,						September 30,
As of September 30, 2013										2013						2013
	Unpaid Principal			Recorded			Related			Average			Interest			Average			Interest
	Balance			Investment			Allowance			Recorded			Income			Recorded			Income
										Investment			Recognized			Investment			Recognized
	(dollars in thousands)									(dollars in thousands)						(dollars in thousands)
With no related allowance recorded:
Commercial	$	-		$	-		$	-		$	-		$	-		$	-		$	-
Commercial Real Estate - Construction		1,589			173			-			173			-			173			-
Commercial Real Estate - Other		4,064			4,064			-			4,189			56			4,065			148
Consumer - Real Estate		8			7			-			9			-			7			-
Consumer - Other		-			-			-			-			-			-			-
Residential		1,595			1,169			-			1,296			-			1,170			-
With a specific allowance recorded:
Commercial		-			-			-			-			-			-			-
Commercial Real Estate - Construction		-			-			-			-			-			-			-
Commercial Real Estate - Other		2,030			2,030			510			2,030			-			2,030			-
Consumer - Real Estate		-			-			-			-			-			-			-
Consumer - Other		-			-			-			-			-			-			-
Residential		73			64			21			64			-			64			-
Totals:
Commercial	$	-		$	-		$	-		$	-		$	-		$	-		$	-
Commercial Real Estate - Construction	$	1,589		$	173		$	-		$	173		$	-		$	173		$	-
Commercial Real Estate - Other	$	6,094		$	6,094		$	510		$	6,219		$	56		$	6,095		$	148
Consumer - Real Estate	$	8		$	7		$	-		$	9		$	-		$	7		$	-
Consumer - Other	$	-		$	-		$	-		$	-		$	-		$	-		$	-
Residential	$	1,668		$	1,233		$	21		$	1,360		$	-		$	1,234		$	-
										For the Three Months Ended						For the Nine Months Ended
Impaired Loans										September 30,						September 30,
As of December 31, 2012										2012						2012
	Unpaid Principal			Recorded			Related			Average			Interest			Average			Interest
	Balance			Investment			Allowance			Recorded			Income			Recorded			Income
										Investment			Recognized			Investment			Recognized
	(dollars in thousands)									(dollars in thousands)						(dollars in thousands)
With no related allowance recorded:
Commercial	$	-		$	-		$	-		$	-		$	-		$	-		$	-
Commercial Real Estate - Construction		1,589			173			-			173			-			173			-
Commercial Real Estate - Other		4,869			4,535			-			3,206			35			3,309			107
Consumer - Real Estate		33			28			-			29			-			31			-
Consumer - Other		1			1			-			3			-			4			-
Residential		1,365			1,194			-			1,657			-			1,666			-
With a specific allowance recorded:
Commercial		-			-			-			-			-			-			-
Commercial Real Estate - Construction		-			-			-			-			-			-			-
Commercial Real Estate - Other		2,138			2,127			101			2,167			20			2,175			61
Consumer - Real Estate		-			-			-			96			-			96			-
Consumer - Other		-			-			-			-			-			-			-
Residential		616			616			141			45			-			45			-
Totals:
Commercial	$	-		$	-		$	-		$	-		$	-		$	-		$	-
Commercial Real Estate - Construction	$	1,589		$	173		$	-		$	173		$	-		$	173		$	-
Commercial Real Estate - Other	$	7,007		$	6,662		$	101		$	5,373		$	55		$	5,484		$	168
Consumer - Real Estate	$	33		$	28		$	-		$	125		$	-		$	127		$	-
Consumer - Other	$	1		$	1		$	-		$	3		$	-		$	4		$	-
Residential	$	1,981		$	1,810		$	141		$	1,702		$	-		$	1,711		$	-
The ALLL has a direct impact on the provision expense. An increase in the ALLL is funded through recoveries and provision expense.
Activity in the allowance for loan and lease losses was as follows for the quarter and year ended September 30, 2013 and September 30, 2012, respectively:
Allowance for Credit Losses and Recorded Investment in Financing Receivables
For the Three Months Ended September 30, 2013
	Commercial			Commercial						Consumer
	Construction			Real Estate			Commercial			Real Estate			Consumer			Residential			Unallocated		Total
	(dollars in thousands)
Allowance for credit losses:
Beginning Balance	$	-		$	673		$	79		$	75		$	25		$	839		$	-	$	1,691
Charge-offs		-			-			-			(33	)		(1	)		(29	)		-		(63	)
Recoveries		-			46			-			2			-			85			-		133
Provision		-			87			(9	)		24			(4	)		(66	)		-		32
Ending Balance	$	-		$	806		$	70		$	68		$	20		$	829		$	-	$	1,793
For the Nine Months Ended September 30, 2013
	Commercial			Commercial						Consumer
	Construction			Real Estate			Commercial			Real Estate			Consumer			Residential			Unallocated		Total
	(dollars in thousands)
Allowance for credit losses:
Beginning Balance	$	64		$	579		$	69		$	99		$	33		$	906		$	-	$	1,750
Charge-offs		-			(85	)		-			(40	)		(13	)		(397	)		-		(535	)
Recoveries		-			57			-			34			5			110			-		206
Provision		(64	)		255			1			(25	)		(5	)		210			-		372
Ending Balance	$	-		$	806		$	70		$	68		$	20		$	829		$	-	$	1,793
Loan Balances Individually Evaluated for Impairment
As of September 30, 2013
	Commercial			Commercial						Consumer
	Construction			Real Estate			Commercial			Real Estate			Consumer			Residential			Unallocated		Total
	(dollars in thousands)
Ending balance: individually evaluated for impairment	$	-		$	510		$	-		$	-		$	-		$	21		$	-	$	531
Ending balance: loans collectively evaluated for impairment	$	-		$	296		$	70		$	68		$	20		$	808		$	-	$	1,262
Ending balance: loans acquired with  deteriorated credit quality	$	-		$	-		$	-		$	-		$	-		$	-		$	-	$	-
Financing Receivables:
Ending Balance	$	173		$	52,849		$	12,429		$	9,286		$	1,117		$	64,244		$	-	$	140,098
Ending balance: individually evaluated for impairment	$	173		$	6,094		$	-		$	7		$	-		$	1,233		$	-	$	7,507
Ending balance: loans collectively evaluated for impairment	$	-		$	46,755		$	12,429		$	9,279		$	1,117		$	63,011		$	-	$	132,591
Ending balance: loans acquired with  deteriorated credit quality	$	-		$	-		$	-		$	-		$	-		$	-		$	-	$	-
For the Three Months Ended September 30, 2012
	Commercial			Commercial						Consumer
	Construction			Real Estate			Commercial			Real Estate			Consumer			Residential			Unallocated		Total
	(dollars in thousands)
Allowance for credit losses:
Beginning Balance	$	-		$	770		$	40		$	140		$	15		$	808		$	-	$	1,773
Charge-offs		-			(138	)		-			(17	)		(20	)		(166	)		-		(341	)
Recoveries		-			2			-			6			3			7			-		18
Provision		35			(13	)		36			1			36			139			-		234
Ending Balance	$	35		$	621		$	76		$	130		$	34		$	788		$	-	$	1,684
For the Nine Months Ended September 30, 2012
	Commercial			Commercial						Consumer
	Construction			Real Estate			Commercial			Real Estate			Consumer			Residential			Unallocated		Total
	(dollars in thousands)
Allowance for credit losses:
Beginning Balance	$	10		$	393		$	53		$	146		$	46		$	870		$	-	$	1,518
Charge-offs		-			(265	)		-			(54	)		(29	)		(724	)		-		(1,072	)
Recoveries		-			10			-			14			8			17			-		49
Provision		25			483			23			24			9			625			-		1,189
Ending Balance	$	35		$	621		$	76		$	130		$	34		$	788		$	-	$	1,684
Loan Balances Individually Evaluated for Impairment
As of September 30, 2012
	Commercial			Commercial						Consumer
	Construction			Real Estate			Commercial			Real Estate			Consumer			Residential			Unallocated		Total
	(dollars in thousands)
Ending balance: individually evaluated for impairment	$	-		$	175		$	-		$	-		$	21		$	5		$	-	$	201
Ending balance: loans collectively evaluated for impairment	$	35		$	446		$	76		$	130		$	13		$	783		$	-	$	1,483
Ending balance: loans acquired with deteriorated credit quality	$	-		$	-		$	-		$	-		$	-		$	-		$	-	$	-
Financing Receivables:
Ending Balance	$	487		$	53,081		$	8,414		$	11,561		$	1,276		$	65,552		$	-	$	140,371
Ending balance: individually evaluated for impairment	$	173		$	2,573		$	-		$	174		$	1		$	1,556		$	-	$	4,477
Ending balance: loans collectively
evaluated for impairment	$	314		$	50,508		$	8,414		$	11,387		$	1,275		$	63,996		$	-	$	135,894
Ending balance: loans acquired with deteriorated credit quality	$	-		$	-		$	-		$	-		$	-		$	-		$	-	$	-

DIVIDENDS

DIVIDENDS	9 Months Ended
	Sep. 30, 2013
DIVIDENDS [Abstract]	'
DIVIDENDS	'
	Note 5-DIVIDENDS
	We are dependent primarily upon the Bank for our earnings and funds to pay dividends on common stock. The payment of dividends also is subject to legal and regulatory restrictions. Any payment of dividends in the future will depend, in large part, on the Bank's earnings, capital requirements, financial condition and other factors considered by the Board of Directors.

STOCKBASED_COMPENSATION

STOCK-BASED COMPENSATION	9 Months Ended
	Sep. 30, 2013
STOCK-BASED COMPENSATION [Abstract]	'
STOCK-BASED COMPENSATION	'
	Note 6 - STOCK-BASED COMPENSATION
	Effective January 1, 2006, the Company adopted FASB ASC 718-10, "Shareholder Based Payments", which requires that the grant-date fair value of awarded stock options be expensed over the requisite service period. The Company's 1996 Stock Option Plan (the "1996 Plan"), which was approved by shareholders, permits the grant of options to purchase shares of common stock to its employees and directors for up to 127,491 shares of common stock (retroactively adjusted for the exchange ratio applied in the Company's 2005 stock offering and related second-step conversion). The Company's 2006 Stock-Based Incentive Plan (the "2006 Plan"), which was approved by shareholders, permits the award of up to 242,740 shares of common stock of which the maximum number to be granted as stock options is 173,386 and the maximum to be granted as restricted stock awards is 69,354. Option awards are granted with an exercise price equal to the market price of the Company's stock at the date of grant. These option awards generally vest based on five years of continual service and have ten-year contractual terms. Certain options provide for accelerated vesting if there is a change in control (as defined in the Plans).
	During the three and nine months ended September 30, 2013 the Company awarded no shares under the either the 2006 or the 1996 Stock-Based Incentive Plan. Shares issued under the 2006 Plan and exercised pursuant to the exercise of stock options may be either authorized but unissued shares or reacquired shares held by the Company as treasury stock.
	Stock Options - A summary of option activity under the Plan during the nine months ended September 30, 2013 is presented below:
							Weighted-Average
					Weighted-		Remaining
					Average		Contractual Term		Aggregate
	Options	Shares			Exercise Price		(Years)		Intrinsic Value
	Outstanding at January 1, 2013		167,620		$	9.53		3.4	$	-
	Granted		-			N/A
	Exercised		-			N/A
	Forfeited or expired		(4,900	)	$	9.54
	Oustanding at September 30, 2013		162,720		$	9.53		2.6	$	-
	Options Exercisable at September 30, 2013		162,720		$	9.53		2.6	$	-
	The aggregate intrinsic value of outstanding options shown in the table above represents the total pretax intrinsic value (i.e. the difference between the Company's closing stock price of $4.43 on September 30, 2013 and the exercise price times the number of shares) that would have been received by the option holder had all option holders exercised their options on September 30, 2013. This amount changes based on the fair market value of the stock.
	As of September 30, 2013 the Company had no unrecognized compensation cost related to nonvested options under the Plan. There were no shares which vested during the quarter ended September 30, 2013. In addition, there were no non-vested options as of September 30, 2013.
	Restricted Stock Awards - As of September 30, 2013 all restricted stock awards have vested, therefore the Company had no unrecognized compensation costs under the Plan. There were 5,304 shares available for future stock award grants as of September 30, 2013.

COMMITMENTS_TO_EXTEND_CREDIT

COMMITMENTS TO EXTEND CREDIT	9 Months Ended
	Sep. 30, 2013
COMMITMENTS TO EXTEND CREDIT [Abstract]	'
COMMITMENTS TO EXTEND CREDIT	'
	Note 7 - COMMITMENTS TO EXTEND CREDIT
	The Company is a party to credit-related financial instruments with off-balance sheet risk in the normal course of business to meet the financing needs of its customers. These financial instruments include commitments to extend credit, standby letters of credit, and commercial lines of credit. Such commitments involve, to varying degrees, elements of credit and interest rate risk in excess of the amounts recognized in the consolidated balance sheet. The Company's exposure to credit loss is represented by the contracted amount of these commitments. The Company follows the same credit policies in making commitments as it does for on-balance sheet instruments.
	At September 30, 2013, the Company had outstanding commitments to originate loans of $21.6 million. These commitments include the following:
		As of
		30-Sep-13
		(dollars in thousands)
	Commitments to grant loans	$	9,119
	Unfunded commitments under lines of credit		12,445
	Commercial and standby letters of credit		59

FAIR_VALUE_MEASUREMENTS

FAIR VALUE MEASUREMENTS	9 Months Ended
	Sep. 30, 2013
FAIR VALUE MEASUREMENTS [Abstract]	'
FAIR VALUE MEASUREMENTS	'
	Note 8 - FAIR VALUE MEASUREMENTS
	The fair value of financial assets and liabilities recorded at fair value is categorized in three levels. The valuation hierarchy is based upon the transparency of inputs to the valuation of an asset or liability as of the measurement date. These levels are as follows:
	Level 1 - Valuations based on quoted prices in active markets, such as the New York Stock Exchange. Valuations are obtained from readily available pricing sources for market transactions involving identical assets or liabilities.
	Level 2 - Valuations of assets and liabilities traded in less active dealer or broker markets. Valuations include quoted prices for similar assets and liabilities traded in the same market; quoted prices for identical or similar instruments in markets that are not active; and model-derived valuations whose inputs are observable or whose significant value drivers are observable. Valuations may be obtained from, or corroborated by, third-party pricing services.
	Level 3 - Assets and liabilities with valuations that include methodologies and assumptions that may not be readily observable, including option pricing models, discounted cash flow models, yield curves and similar techniques. Level 3 valuations incorporate certain assumptions and projections in determining the fair value assigned to such assets or liabilities, but in all cases are corroborated by external data, which may include third-party pricing services.
	The following table presents information about the Company's assets and liabilities measured at fair value on a recurring basis as of September 30, 2013 and December 31, 2012, and the valuation techniques used by the Company to determine those fair values.
	Assets and Liabilities Measured at Fair Value on a Recurring Basis at September 30, 2013
		Quoted Prices in		Significant		Significant		Balance at
		Active Markets		Other		Unobservable		September 30,
		for Identical		Observable		Inputs		2013
		Assets (Level 1)		Inputs		(Level 3)
				(Level 2)
	Assets	(dollars in thousands)
	Investment securities- available-for-sale:
	US Government and agency obligations	$	-	$	7,075	$	-	$	7,075
	Municipal obligations		-		11,794		-		11,794
	Corporate bonds & other obligations				1,111				1,111
	Mortgage-backed securities		-		30,298		-		30,298
	Equity securities		-		3		-		3
	Total investment securities - available-for-sale	$	-	$	50,281	$	-	$	50,281
	Assets and Liabilities Measured at Fair Value on a Recurring Basis at December 31, 2012
		Quoted Prices in		Significant		Significant		Fair Value as
		Active Markets		Other		Unobservable		of December
		for Identical		Observable		Inputs		31, 2012
		Assets (Level 1)		Inputs		(Level 3)
				(Level 2)
		(dollars in thousands)
	Assets
	Investment securities - available-for-sale:
	US Government and agency obligations	$	-	$	9,247	$	-	$	9,247
	Municipal obligations		-		10,758		-		10,758
	Corporate securities		-		1,150				1,150
	Mortgage-backed securities		-		29,608		-		29,608
	Equity securities		-		1		-		1
	Total investment securities - available-for-sale	$	-	$	50,764	$	-	$	50,764
	Fair value measurements of U.S. Government agencies and mortgage backed securities use pricing models that vary and may consider various assumptions, including time value, yield curves, volatility factors, prepayment speeds, default rates, loss severity, current market and contractual prices for the underlying financial instruments, as well as other relevant economic measures.
	There were no transfers between Levels 1 and 2 of the fair value hierarchy from December 31, 2012 to September 30, 2013. For the available for sale securities, the Company obtains fair value measurements from an independent third-party service.
	The Company has assets that, under certain conditions, are subject to measurement at fair value on a nonrecurring basis. At September 30, 2013 and December 31, 2012, such assets consist primarily of impaired loans and other real estate owned. The Company has estimated the fair values of these assets using Level 3 inputs, specifically discounted cash flow projections.
	Assets Measured at Fair Value on a Nonrecurring Basis at September 30, 2013
		Balance at		Quoted Prices in		Significant		Significant
		September 30,		Active Markets		Other		Unobservable
		2013		for Identical		Observable		Inputs
				Assets (Level 1)		Inputs		(Level 3)
						(Level 2)
		(dollars in thousands)
	Impaired loans accounted for under ASC 310-10	$	6,267	$	-	$	-	$	6,267
	Other real estate owned -residential mortgages		279		-		-		279
	Other Real estate owned - commercial		939		-		-		939
	Other Repossessed Assets		1,023		-		-		1,023
	Total assets at fair value on a non-recurring basis							$	8,508
	Assets Measured at Fair Value on a Nonrecurring Basis at December 31, 2012
		Balance at		Quoted Prices in		Significant		Significant
		December 31,		Active Markets		Other		Unobservable
		2012		for Identical		Observable		Inputs (Level 3)
				Assets (Level 1)		Inputs (Level 2)
		(dollars in thousands)
	Impaired loans accounted for under FASB ASC 310-10	$	6,835	$	-	$	-	$	6,835
	Other real estate owned -residential mortgages		947		-		-		947
	Other real estate owned - commercial		319		-		-		319
	Other repossessed assets		1,121		-		-		1,121
	Total assets at fair value on a non-recurring basis							$	9,222
	The following methods and assumptions were used by the Company in estimating fair value disclosures for financial instruments:
	Cash and Cash Equivalents - The carrying amounts of cash and short-term instruments approximate fair values.
Investment Securities - Fair value for the Bank's investment securities was determined using the market value in active markets, where available. When not available, fair values are estimated using the fair value hierarchy. In the fair value hierarchy, Level 2 fair values are determined using observable inputs other than Level 1 market prices, such as quoted prices for similar assets. Level 3 values are determined using unobservable inputs, such as discounted cash flow projections.
Loans Receivable - For variable-rate loans that reprice frequently and with no significant change in credit risk, fair values are based on carrying values. Fair values for certain mortgage loans (e.g., one- to four-family residential), credit card loans, and other consumer loans are based on quoted market prices of similar loans sold in conjunction with securitization transactions, adjusted for differences in loan characteristics. Fair values for other loans (e.g., commercial real estate and investment property mortgage loans, commercial, and industrial loans) are estimated using discounted cash flow analyses, using interest rates currently being offered for loans with similar terms to borrowers of similar credit quality. Fair values for nonperforming loans are estimated using discounted cash flow analyses or underlying collateral values, where applicable.
Loans Held For Sale - Fair values of mortgage loans held for sale are based on commitments on hand from investors or prevailing market prices.
Federal Home Loan Bank Stock - The carrying value of Federal Home Loan Bank stock approximates fair value based on the redemption provisions of the Federal Home Loan Bank.
Deposit Liabilities - The fair values disclosed for demand deposits (e.g., interest and noninterest checking, passbook savings, and certain types of money market accounts) are, by definition, equal to the amount payable on demand at the reporting date (i.e., their carrying amounts). The carrying amounts of variable-rate, fixed-term money market accounts and certificates of deposit approximate their fair values at the reporting date. Fair values for fixed-rate certificates of deposit are estimated using a discounted cash flow calculation that applies interest rates currently being offered on certificates to a schedule of aggregated expected monthly maturities on time deposits.
Federal Home Loan Bank Advances - The estimated fair value of the fixed and variable rate Federal Home Loan Bank advances are estimated by discounting the related cash flows using the rates currently available for similarly structured borrowings with similar maturities.
REPO Sweep Accounts - The fair values disclosed for REPO Sweeps are equal to the amount payable on demand at the reporting date (i.e., their carrying amounts).
Accrued Interest - The carrying amounts of accrued interest approximate fair value.
The estimated fair values and related carrying or notional amounts of the Company's financial instruments are as follows:
30-Sep-13	Carrying		Level 1		Level 2		Level 3		Total
	Value								Estimated
									Fair Value
	(dollars in thousands)
Financial assets:
Cash and cash equivalents	$	3,537	$	3,537	$	-	$	-	$	3,537
Securities available for sale		50,281		-		50,281		-		50,281
Securities held to maturity		2,305		-		2,450		-		2,450
Loans held for sale		974		-		-		974		974
Loans receivable - net		138,005		-		-		137,759		137,759
Federal Home Loan Bank stock		3,226		-		3,226		-		3,226
Accrued interest receivable		953		-		953		-		953
Financial liabilities:
Customer deposits		158,054		-		159,885		-		159,885
Federal Home Loan Bank advances		25,016		-		24,651		-		24,651
REPO sweep accounts		5,560		-		5,560		-		5,560
Accrued interest payable		100		-		100		-		100
31-Dec-12	Carrying		Level 1		Level 2		Level 3		Total
	Value								Estimated
									Fair Value
	(dollars in thousands)
Financial assets:
Cash and cash equivalents	$	2,752	$	2,752	$	-	$	-	$	2,752
Securities available for sale		50,764		-		50,764		-		50,764
Securities held to maturity		2,345		-		2,570		-		2,570
Loans held for sale		79						84		84
Loans receivable - net		138,912		-		-		140,877		140,877
Federal Home Loan Bank stock		3,266		-		3,266		-		3,266
Accrued interest receivable		970		-		970		-		970
Financial liabilities:
Customer deposits		158,350		-		159,335		-		159,335
Federal Home Loan Bank advances		26,358		-		26,493		-		26,493
REPO sweep accounts		3,183		-		3,183		-		3,183
Accrued interest payable		100		-		100		-		100

SECURITIES_Tables

SECURITIES (Tables)	9 Months Ended
	Sep. 30, 2013
SECURITIES [Abstract]	'
Carrying Value and Estimated Fair Value of Securities	'
	30-Sep-13
		Amortized		Gross			Gross			Market
		Cost		Unrealized			Unrealized			Value
				Gains			Losses
		(dollars in thousands)
	Securities Available for Sale
	U.S. Government and agency obligations	$	7,130	$	43		$	(98	)		7,075
	Municipal obligations		11,876		215			(297	)		11,794
	Corporate bonds & other obligations		1,098		13			-			1,111
	Mortgage-backed securities		30,304		340			(346	)		30,298
	Equity securities		2		1			-			3
	Total	$	50,410	$	612		$	(741	)	$	50,281
	Securities Held to Maturity
	Municipal obligations	$	2,305	$	145		$	-		$	2,450
		31-Dec-12
		Amortized		Gross			Gross			Market
		Cost		Unrealized			Unrealized			Value
				Gains			(Losses)
		(in thousands)
	Securities Available for Sale
	U.S. Government and agency obligations	$	9,181	$	66		$	-		$	9,247
	Municipal obligations		10,413		368			(23	)		10,758
	Corporate bonds & other obligations		1,135		15			-			1,150
	Mortgage-backed securities		28,901		736			(29	)		29,608
	Equity securities		3		-			(2	)		1
	Total	$	49,633	$	1,185		$	(54	)	$	50,764
	Securities Held to Maturity
	Municipal obligations	$	2,345	$	225		$	-		$	2,570
Amortized Cost and Estimated Market Value of Securities by Contract Maturity	'
		30-Sep-13
		Amortized		Market
		Cost		Value
		(dollars in thousands)
	Available For Sale:
	Due in one year or less	$	2,076	$	2,086
	Due after one year through five years		11,042		11,153
	Due in five year through ten years		6,740		6,451
	Due after ten years		246		290
	Subtotal		20,104		19,980
	Equity securities		2		3
	Mortgage-backed securities		30,304		30,298
	Total	$	50,410	$	50,281
	Held To Maturity:
	Due in one year or less	$	90	$	91
	Due after one year through five years		1,615		1,695
	Due in five year through ten years		300		332
	Due after ten years		300		332
	Total	$	2,305	$	2,450
Summary of Temporily Impaired Investments Impaired	'
		30-Sep-13
				Gross						Gross
				Unrealized						Unrealized
				Losses						Losses
		Fair Value		less than 12			Fair Value			greater than 12
				months						months
		(dollars in thousands)
	Available For Sale:
	U.S. Government and agency obligations	$	901	$	(98	)	$	-		$	-
	Municipal obligations		6,773		(274	)		953			(23	)
	Mortgage-backed securities		13,131		(282	)		2,175			(64	)
	Equity securities		-		-			-			-
	Total	$	20,805	$	(654	)	$	3,128		$	(87	)
	Held to Maturity:
	Municipal obligations	$	-	$	-		$	-		$	-
		31-Dec-12
				Gross						Gross
				Unrealized						Unrealized
				Losses						Losses
		Fair Value		less than 12			Fair Value			greater than 12
				months						months
		(in thousands)
	Available For Sale:
	U.S. Government and agency obligations	$	-	$	-		$	-		$	-
	Municipal obligations		1,537		(23	)		-			-
	Mortgage-backed securities		2,725		(13	)		1,687			(16	)
	Equity securities		-		-			1			(2	)
	Total	$	4,262	$	(36	)	$	1,688		$	(18	)
	Held to Maturity:
	Municipal obligations	$	-	$	-		$	-		$	-

LOANS_Tables

LOANS (Tables)	9 Months Ended
	Sep. 30, 2013
LOANS [Abstract]	'
Composition of Loan Portfolio by Loan Type	'
		At September 30,			At December 31,
		2013			2012
		(dollars in thousands)
	Real estate loans:
	Residential mortgage	$	64,244		$	66,539
	Commercial loans:
	Secured by real estate		53,022			54,673
	Other		12,429			8,102
	Total commercial loans		65,451			62,775
	Consumer loans:
	Secured by real estate		9,286			10,409
	Other		1,117			1,259
	Total consumer loans		10,403			11,668
	Total gross loans	$	140,098		$	140,982
	Less:
	Net deferred loan fees		(300	)		(320	)
	Allowance for loan losses		(1,793	)		(1,750	)
	Total loans, net	$	138,005		$	138,912
Contractual Aging of Recorded Investment in Past Due Loans by Class Loans	'
	Contractual Aging of Recorded Balance in Past Due Loans by Class of Loan
	As of September 30, 2013
																				Recorded
								Greater than												Investment greater than 90
		30 - 59 Days			60 - 89 Days			90 Days			Total						Total Loans			Days and
		Past Due			Past Due			Past Due			Past Due			Current			Receivables			Accruing
		(dollars in thousands)
	Commercial Real Estate:
	Commercial Real Estate - construction	$	-		$	-		$	173		$	173		$	-		$	173		$	-
	Commercial Real Estate - other		39			1,305			2,151			3,495			49,354			52,849			-
	Commercial - non real estate		66			27			-			93			12,336			12,429			-
	Consumer:
	Consumer - Real Estate		121			13			-			134			9,152			9,286			-
	Consumer - Other		-			-			-			-			1,117			1,117			-
	Residential:
	Residential		1,631			552			759			2,942			61,302			64,244			85
	Total	$	1,857		$	1,897		$	3,083		$	6,837		$	133,261		$	140,098		$	85
	As of December 31, 2012
																				Recorded
								Greater than												Investment greater than 90
		30 - 59 Days			60 - 89 Days			90 Days			Total						Total Loans			Days and
		Past Due			Past Due			Past Due			Past Due			Current			Receivables			Accruing
		(dollars in thousands)
	Commercial Real Estate:
	Commercial Real Estate - construction	$	-		$	-		$	173		$	173		$	2,073		$	2,246		$	-
	Commercial Real Estate - other		3,210			540			282			4,032			48,395			52,427			-
	Commercial - non real estate		113			-			-			113			7,989			8,102			-
	Consumer:
	Consumer - Real Estate		59			-			13			72			10,337			10,409			-
	Consumer - Other		11			5			6			22			1,237			1,259			6
	Residential:
	Residential		2,047			796			1,198			4,041			62,498			66,539			61
	Total	$	5,440		$	1,341		$	1,672		$	8,453		$	132,529		$	140,982		$	67
Risk Category of Loans by Class of Loans Based on Most Recent Analysis Performed	'
		As of September 30, 2013
		Commercial Real Estate			Commercial Real Estate
	Loan Grade	Construction			Other			Commercial
		(dollars in thousands)
	2-Jan	$	-		$	-		$	-
	3		-			15,822			5,954
	4		-			27,878			6,179
	5		-			5,468			106
	6		173			3,681			190
	7		-			-			-
	8		-			-			-
	Total	$	173		$	52,849		$	12,429
		As of December 31, 2012
		Commercial Real Estate			Commercial Real Estate
	Loan Grade	Construction			Other			Commercial
		(dollars in thousands)
	2-Jan	$	-		$	-		$	-
	3		615			13,895			2,376
	4		1,458			27,488			5,489
	5		-			2,712			37
	6		173			8,332			200
	7		-			-			-
	8		-			-			-
	Total	$	2,246		$	52,427		$	8,102
Risk Category of Loans by Class Based on Most Recent Analysis Performed	'
	As of September 30, 2013
	(dollars in thousands)
		Residential
	Loan Grade:
	Pass	$	63,089
	Special Mention		-
	Substandard		1,155
	Total	$	64,244
		Consumer -
		Real Estate			Consumer - Other
		(dollars in thousands)
	Performing	$	9,279		$	1,117
	Nonperforming		7			-
	Total	$	9,286		$	1,117
	As of December 31, 2012
		Residential
		(dollars in thousands)
	Loan Grade:
	Pass	$	64,668
	Special Mention		-
	Substandard		1,871
	Total	$	66,539
		Consumer -
		Real Estate			Consumer - Other
		(dollars in thousands)
	Performing	$	10,381		$	1,253
	Nonperforming		28			6
	Total	$	10,409		$	1,259
Recorded Investment in Non-Accrual Loans by Class	'
		As of
		30-Sep-13			31-Dec-12
		(in thousands)
	Commercial Real Estate:
	Commercial Real Estate - construction	$	173		$	173
	Commercial Real Estate - other		2,151			2,851
	Commercial		-			-
	Consumer:
	Consumer - real estate		7			28
	Consumer - other		-			1
	Residential:
	Residential		1,071			1,810
	Total	$	3,402		$	4,863
Troubled Debt Restructurings on Financing Receivables	'
		Troubled Debt Restructurings									Troubled Debt Restructurings that Subsequently
											Defaulted
		For the three months ended September 30, 2012									For the three months ended September 30, 2012
		Number of			Pre-modification			Post-modification			Number of  Loans			Recorded Investment
		Loans			outstanding recorded			outstanding recorded
					investment			investment
					(dollars in thousands)									(dollars in thousands)
	Troubled Debt Restructurings
	Commercial Real Estate - Construction		-		$	-		$	-			-		$	-
	Commercial Real Estate - Other		-			-			-			-			-
	Commercial - non real estate		2			1,914			1,454			-			-
	Residential		-			-			-			-			-
	Total		2		$	1,914		$	1,454			-		$	-
		Troubled Debt Restructurings									Troubled Debt Restructurings that Subsequently
											Defaulted
		For the nine months ended September 30, 2013									For the nine months ended September 30, 2013
		Number of			Pre-modification			Post-modification			Number of  Loans			Recorded Investment
		Loans			outstanding recorded			outstanding recorded
					investment			investment
					(dollars in thousands)									(dollars in thousands)
	Commerical Real Estate - Construction		-		$	-		$	-			-		$	-
	Commercial Real Estate - Other		2			2,442			2,434			-			-
	Consumer - Real Estate		-			-			-			-			-
	Residential		2			331			268			1			190
	Total		4		$	2,773		$	2,702			1		$	190
		Troubled Debt Restructurings									Troubled Debt Restructurings that Subsequently
											Defaulted
		For the nine months ended September 30, 2012									For the nine months ended September 30, 2012
		Number of			Pre-modification			Post-modification			Number of  Loans			Recorded Investment
		Loans			outstanding recorded			outstanding recorded
					investment			investment
					(dollars in thousands)									(dollars in thousands)
	Troubled Debt Restructurings
	Commercial Real Estate - Construction		-		$	-		$	-			-		$	-
	Commercial Real Estate - Other		-			-			-			1			63
	Commercial - non real estate		4			3,542			3,052			-			-
	Residential		-			-			-			-			-
	Total		4		$	3,542		$	3,052			1		$	63
Loans Individually Evaluated for Impairment by Class of Loans	'
											For the Three Months Ended						For the Nine Months Ended
	Impaired Loans										September 30,						September 30,
	As of September 30, 2013										2013						2013
		Unpaid Principal			Recorded			Related			Average			Interest			Average			Interest
		Balance			Investment			Allowance			Recorded			Income			Recorded			Income
											Investment			Recognized			Investment			Recognized
		(dollars in thousands)									(dollars in thousands)						(dollars in thousands)
	With no related allowance recorded:
	Commercial	$	-		$	-		$	-		$	-		$	-		$	-		$	-
	Commercial Real Estate - Construction		1,589			173			-			173			-			173			-
	Commercial Real Estate - Other		4,064			4,064			-			4,189			56			4,065			148
	Consumer - Real Estate		8			7			-			9			-			7			-
	Consumer - Other		-			-			-			-			-			-			-
	Residential		1,595			1,169			-			1,296			-			1,170			-
	With a specific allowance recorded:
	Commercial		-			-			-			-			-			-			-
	Commercial Real Estate - Construction		-			-			-			-			-			-			-
	Commercial Real Estate - Other		2,030			2,030			510			2,030			-			2,030			-
	Consumer - Real Estate		-			-			-			-			-			-			-
	Consumer - Other		-			-			-			-			-			-			-
	Residential		73			64			21			64			-			64			-
	Totals:
	Commercial	$	-		$	-		$	-		$	-		$	-		$	-		$	-
	Commercial Real Estate - Construction	$	1,589		$	173		$	-		$	173		$	-		$	173		$	-
	Commercial Real Estate - Other	$	6,094		$	6,094		$	510		$	6,219		$	56		$	6,095		$	148
	Consumer - Real Estate	$	8		$	7		$	-		$	9		$	-		$	7		$	-
	Consumer - Other	$	-		$	-		$	-		$	-		$	-		$	-		$	-
	Residential	$	1,668		$	1,233		$	21		$	1,360		$	-		$	1,234		$	-
											For the Three Months Ended						For the Nine Months Ended
	Impaired Loans										September 30,						September 30,
	As of December 31, 2012										2012						2012
		Unpaid Principal			Recorded			Related			Average			Interest			Average			Interest
		Balance			Investment			Allowance			Recorded			Income			Recorded			Income
											Investment			Recognized			Investment			Recognized
		(dollars in thousands)									(dollars in thousands)						(dollars in thousands)
	With no related allowance recorded:
	Commercial	$	-		$	-		$	-		$	-		$	-		$	-		$	-
	Commercial Real Estate - Construction		1,589			173			-			173			-			173			-
	Commercial Real Estate - Other		4,869			4,535			-			3,206			35			3,309			107
	Consumer - Real Estate		33			28			-			29			-			31			-
	Consumer - Other		1			1			-			3			-			4			-
	Residential		1,365			1,194			-			1,657			-			1,666			-
	With a specific allowance recorded:
	Commercial		-			-			-			-			-			-			-
	Commercial Real Estate - Construction		-			-			-			-			-			-			-
	Commercial Real Estate - Other		2,138			2,127			101			2,167			20			2,175			61
	Consumer - Real Estate		-			-			-			96			-			96			-
	Consumer - Other		-			-			-			-			-			-			-
	Residential		616			616			141			45			-			45			-
	Totals:
	Commercial	$	-		$	-		$	-		$	-		$	-		$	-		$	-
	Commercial Real Estate - Construction	$	1,589		$	173		$	-		$	173		$	-		$	173		$	-
	Commercial Real Estate - Other	$	7,007		$	6,662		$	101		$	5,373		$	55		$	5,484		$	168
	Consumer - Real Estate	$	33		$	28		$	-		$	125		$	-		$	127		$	-
	Consumer - Other	$	1		$	1		$	-		$	3		$	-		$	4		$	-
	Residential	$	1,981		$	1,810		$	141		$	1,702		$	-		$	1,711		$	-
Schedule of Activity in Allowance for Loan and Lease Losses and Individually Evaluated for Impairment	'
	Allowance for Credit Losses and Recorded Investment in Financing Receivables
	For the Three Months Ended September 30, 2013
		Commercial			Commercial						Consumer
		Construction			Real Estate			Commercial			Real Estate			Consumer			Residential			Unallocated		Total
		(dollars in thousands)
	Allowance for credit losses:
	Beginning Balance	$	-		$	673		$	79		$	75		$	25		$	839		$	-	$	1,691
	Charge-offs		-			-			-			(33	)		(1	)		(29	)		-		(63	)
	Recoveries		-			46			-			2			-			85			-		133
	Provision		-			87			(9	)		24			(4	)		(66	)		-		32
	Ending Balance	$	-		$	806		$	70		$	68		$	20		$	829		$	-	$	1,793
	For the Nine Months Ended September 30, 2013
		Commercial			Commercial						Consumer
		Construction			Real Estate			Commercial			Real Estate			Consumer			Residential			Unallocated		Total
		(dollars in thousands)
	Allowance for credit losses:
	Beginning Balance	$	64		$	579		$	69		$	99		$	33		$	906		$	-	$	1,750
	Charge-offs		-			(85	)		-			(40	)		(13	)		(397	)		-		(535	)
	Recoveries		-			57			-			34			5			110			-		206
	Provision		(64	)		255			1			(25	)		(5	)		210			-		372
	Ending Balance	$	-		$	806		$	70		$	68		$	20		$	829		$	-	$	1,793
	Loan Balances Individually Evaluated for Impairment
	As of September 30, 2013
		Commercial			Commercial						Consumer
		Construction			Real Estate			Commercial			Real Estate			Consumer			Residential			Unallocated		Total
		(dollars in thousands)
	Ending balance: individually evaluated for impairment	$	-		$	510		$	-		$	-		$	-		$	21		$	-	$	531
	Ending balance: loans collectively evaluated for impairment	$	-		$	296		$	70		$	68		$	20		$	808		$	-	$	1,262
	Ending balance: loans acquired with  deteriorated credit quality	$	-		$	-		$	-		$	-		$	-		$	-		$	-	$	-
	Financing Receivables:
	Ending Balance	$	173		$	52,849		$	12,429		$	9,286		$	1,117		$	64,244		$	-	$	140,098
	Ending balance: individually evaluated for impairment	$	173		$	6,094		$	-		$	7		$	-		$	1,233		$	-	$	7,507
	Ending balance: loans collectively evaluated for impairment	$	-		$	46,755		$	12,429		$	9,279		$	1,117		$	63,011		$	-	$	132,591
	Ending balance: loans acquired with  deteriorated credit quality	$	-		$	-		$	-		$	-		$	-		$	-		$	-	$	-
	For the Three Months Ended September 30, 2012
		Commercial			Commercial						Consumer
		Construction			Real Estate			Commercial			Real Estate			Consumer			Residential			Unallocated		Total
		(dollars in thousands)
	Allowance for credit losses:
	Beginning Balance	$	-		$	770		$	40		$	140		$	15		$	808		$	-	$	1,773
	Charge-offs		-			(138	)		-			(17	)		(20	)		(166	)		-		(341	)
	Recoveries		-			2			-			6			3			7			-		18
	Provision		35			(13	)		36			1			36			139			-		234
	Ending Balance	$	35		$	621		$	76		$	130		$	34		$	788		$	-	$	1,684
	For the Nine Months Ended September 30, 2012
		Commercial			Commercial						Consumer
		Construction			Real Estate			Commercial			Real Estate			Consumer			Residential			Unallocated		Total
		(dollars in thousands)
	Allowance for credit losses:
	Beginning Balance	$	10		$	393		$	53		$	146		$	46		$	870		$	-	$	1,518
	Charge-offs		-			(265	)		-			(54	)		(29	)		(724	)		-		(1,072	)
	Recoveries		-			10			-			14			8			17			-		49
	Provision		25			483			23			24			9			625			-		1,189
	Ending Balance	$	35		$	621		$	76		$	130		$	34		$	788		$	-	$	1,684
	Loan Balances Individually Evaluated for Impairment
	As of September 30, 2012
		Commercial			Commercial						Consumer
		Construction			Real Estate			Commercial			Real Estate			Consumer			Residential			Unallocated		Total
		(dollars in thousands)
	Ending balance: individually evaluated for impairment	$	-		$	175		$	-		$	-		$	21		$	5		$	-	$	201
	Ending balance: loans collectively evaluated for impairment	$	35		$	446		$	76		$	130		$	13		$	783		$	-	$	1,483
	Ending balance: loans acquired with deteriorated credit quality	$	-		$	-		$	-		$	-		$	-		$	-		$	-	$	-
	Financing Receivables:
Ending Balance	$	487		$	53,081		$	8,414		$	11,561		$	1,276		$	65,552		$	-	$	140,371
Ending balance: individually evaluated for impairment	$	173		$	2,573		$	-		$	174		$	1		$	1,556		$	-	$	4,477
Ending balance: loans collectively
evaluated for impairment	$	314		$	50,508		$	8,414		$	11,387		$	1,275		$	63,996		$	-	$	135,894
Ending balance: loans acquired with deteriorated credit quality	$	-		$	-		$	-		$	-		$	-		$	-		$	-	$	-

STOCKBASED_COMPENSATION_Tables

STOCK-BASED COMPENSATION (Tables)	9 Months Ended
	Sep. 30, 2013
STOCK-BASED COMPENSATION [Abstract]	'
Summary of Stock Option Activity under Plan	'
							Weighted-Average
					Weighted-		Remaining
					Average		Contractual Term		Aggregate
	Options	Shares			Exercise Price		(Years)		Intrinsic Value
	Outstanding at January 1, 2013		167,620		$	9.53		3.4	$	-
	Granted		-			N/A
	Exercised		-			N/A
	Forfeited or expired		(4,900	)	$	9.54
	Oustanding at September 30, 2013		162,720		$	9.53		2.6	$	-
	Options Exercisable at September 30, 2013		162,720		$	9.53		2.6	$	-

COMMITMENTS_TO_EXTEND_CREDIT_T

COMMITMENTS TO EXTEND CREDIT (Tables)	9 Months Ended
	Sep. 30, 2013
COMMITMENTS TO EXTEND CREDIT [Abstract]	'
Schedule of Outstanding Commitments to Originate Loans	'
		As of
		30-Sep-13
		(dollars in thousands)
	Commitments to grant loans	$	9,119
	Unfunded commitments under lines of credit		12,445
	Commercial and standby letters of credit		59

FAIR_VALUE_MEASUREMENTS_Tables

FAIR VALUE MEASUREMENTS (Tables)	9 Months Ended
	Sep. 30, 2013
FAIR VALUE MEASUREMENTS [Abstract]	'
Assets and Liabilities Measured at Fair Value on Recurring Basis	'
	Assets and Liabilities Measured at Fair Value on a Recurring Basis at September 30, 2013
		Quoted Prices in		Significant		Significant		Balance at
		Active Markets		Other		Unobservable		September 30,
		for Identical		Observable		Inputs		2013
		Assets (Level 1)		Inputs		(Level 3)
				(Level 2)
	Assets	(dollars in thousands)
	Investment securities- available-for-sale:
	US Government and agency obligations	$	-	$	7,075	$	-	$	7,075
	Municipal obligations		-		11,794		-		11,794
	Corporate bonds & other obligations				1,111				1,111
	Mortgage-backed securities		-		30,298		-		30,298
	Equity securities		-		3		-		3
	Total investment securities - available-for-sale	$	-	$	50,281	$	-	$	50,281
	Assets and Liabilities Measured at Fair Value on a Recurring Basis at December 31, 2012
		Quoted Prices in		Significant		Significant		Fair Value as
		Active Markets		Other		Unobservable		of December
		for Identical		Observable		Inputs		31, 2012
		Assets (Level 1)		Inputs		(Level 3)
				(Level 2)
		(dollars in thousands)
	Assets
	Investment securities - available-for-sale:
	US Government and agency obligations	$	-	$	9,247	$	-	$	9,247
	Municipal obligations		-		10,758		-		10,758
	Corporate securities		-		1,150				1,150
	Mortgage-backed securities		-		29,608		-		29,608
	Equity securities		-		1		-		1
	Total investment securities - available-for-sale	$	-	$	50,764	$	-	$	50,764
Assets Measured at Fair Value on Nonrecurring Basis	'
	Assets Measured at Fair Value on a Nonrecurring Basis at September 30, 2013
		Balance at		Quoted Prices in		Significant		Significant
		September 30,		Active Markets		Other		Unobservable
		2013		for Identical		Observable		Inputs
				Assets (Level 1)		Inputs		(Level 3)
						(Level 2)
		(dollars in thousands)
	Impaired loans accounted for under ASC 310-10	$	6,267	$	-	$	-	$	6,267
	Other real estate owned -residential mortgages		279		-		-		279
	Other Real estate owned - commercial		939		-		-		939
	Other Repossessed Assets		1,023		-		-		1,023
	Total assets at fair value on a non-recurring basis							$	8,508
	Assets Measured at Fair Value on a Nonrecurring Basis at December 31, 2012
		Balance at		Quoted Prices in		Significant		Significant
		December 31,		Active Markets		Other		Unobservable
		2012		for Identical		Observable		Inputs (Level 3)
				Assets (Level 1)		Inputs (Level 2)
		(dollars in thousands)
	Impaired loans accounted for under FASB ASC 310-10	$	6,835	$	-	$	-	$	6,835
	Other real estate owned -residential mortgages		947		-		-		947
	Other real estate owned - commercial		319		-		-		319
	Other repossessed assets		1,121		-		-		1,121
	Total assets at fair value on a non-recurring basis							$	9,222
Estimated Fair Values and Related Carrying or Notional Amounts of Financial Instruments	'
	30-Sep-13	Carrying		Level 1		Level 2		Level 3		Total
		Value								Estimated
										Fair Value
		(dollars in thousands)
	Financial assets:
	Cash and cash equivalents	$	3,537	$	3,537	$	-	$	-	$	3,537
	Securities available for sale		50,281		-		50,281		-		50,281
	Securities held to maturity		2,305		-		2,450		-		2,450
	Loans held for sale		974		-		-		974		974
	Loans receivable - net		138,005		-		-		137,759		137,759
	Federal Home Loan Bank stock		3,226		-		3,226		-		3,226
	Accrued interest receivable		953		-		953		-		953
	Financial liabilities:
	Customer deposits		158,054		-		159,885		-		159,885
	Federal Home Loan Bank advances		25,016		-		24,651		-		24,651
	REPO sweep accounts		5,560		-		5,560		-		5,560
	Accrued interest payable		100		-		100		-		100
	31-Dec-12	Carrying		Level 1		Level 2		Level 3		Total
		Value								Estimated
										Fair Value
		(dollars in thousands)
	Financial assets:
	Cash and cash equivalents	$	2,752	$	2,752	$	-	$	-	$	2,752
	Securities available for sale		50,764		-		50,764		-		50,764
	Securities held to maturity		2,345		-		2,570		-		2,570
	Loans held for sale		79						84		84
	Loans receivable - net		138,912		-		-		140,877		140,877
	Federal Home Loan Bank stock		3,266		-		3,266		-		3,266
	Accrued interest receivable		970		-		970		-		970
	Financial liabilities:
	Customer deposits		158,350		-		159,335		-		159,335
	Federal Home Loan Bank advances		26,358		-		26,493		-		26,493
	REPO sweep accounts		3,183		-		3,183		-		3,183
	Accrued interest payable		100		-		100		-		100

SECURITIES_Carrying_Value_and_

SECURITIES (Carrying Value and Estimated Fair Value of Securities) (Details) (USD $)	9 Months Ended	12 Months Ended
	Sep. 30, 2013	Dec. 31, 2012
Schedule of Investments [Line Items]	'	'
Available for Sale, Amortized Cost	$50,410,000	$49,633,000
Available for Sale, Gross Unrealized Gains	612,000	1,185,000
Available for Sale, Gross Unrealized (Losses)	-741,000	-54,000
Available for Sale, Market Value	50,280,668	50,763,551
Held to Maturity, Amortized Cost	2,305,000	2,345,000
Held to Maturity Securities, Gross Unrealized Gains	145,000	225,000
Held to Maturity Securities, Gross Unrealized (Losses)	'	'
Held to Maturity, Market Value	2,450,000	2,570,000
U.S. Government and agency obligations [Member]	'	'
Schedule of Investments [Line Items]	'	'
Available for Sale, Amortized Cost	7,130,000	9,181,000
Available for Sale, Gross Unrealized Gains	43,000	66,000
Available for Sale, Gross Unrealized (Losses)	-98,000	'
Available for Sale, Market Value	7,075,000	9,247,000
Municipal obligations [Member]	'	'
Schedule of Investments [Line Items]	'	'
Available for Sale, Amortized Cost	11,876,000	10,413,000
Available for Sale, Gross Unrealized Gains	215,000	368,000
Available for Sale, Gross Unrealized (Losses)	-297,000	-23,000
Available for Sale, Market Value	11,794,000	10,758,000
Corporate bonds & other obligations [Member]	'	'
Schedule of Investments [Line Items]	'	'
Available for Sale, Amortized Cost	1,098,000	1,135,000
Available for Sale, Gross Unrealized Gains	13,000	15,000
Available for Sale, Gross Unrealized (Losses)	'	'
Available for Sale, Market Value	1,111,000	1,150,000
Mortgage-backed securities [Member]	'	'
Schedule of Investments [Line Items]	'	'
Available for Sale, Amortized Cost	30,304,000	28,901,000
Available for Sale, Gross Unrealized Gains	340,000	736,000
Available for Sale, Gross Unrealized (Losses)	-346,000	-29,000
Available for Sale, Market Value	30,298,000	29,608,000
Equity securities [Member]	'	'
Schedule of Investments [Line Items]	'	'
Available for Sale, Amortized Cost	2,000	3,000
Available for Sale, Gross Unrealized Gains	1,000	'
Available for Sale, Gross Unrealized (Losses)	'	-2,000
Available for Sale, Market Value	$3,000	$1,000

SECURITIES_Amortized_Cost_and_

SECURITIES (Amortized Cost and Estimated Market Value of Securities by Contract Maturity) (Details) (USD $)	Sep. 30, 2013	Dec. 31, 2012
Investments Classified By Contractual Maturity Date [Line Items]	'	'
Available for Sale amortized cost, Due in one year or less	$2,076,000	'
Available for Sale amortized cost, Due after one year through five years	11,042,000	'
Available for Sale amortized cost, Due in five year through ten years	6,740,000	'
Available for Sale amortized cost, Due after ten years	246,000	'
Available for Sale amortized cost, Subtotal	20,104,000	'
Available for Sale, Amortized Cost	50,410,000	49,633,000
Held to Maturity, Due in one year or less	90,000	'
Held to Maturity amortized cost, Due after one year through five years	1,615,000	'
Held to Maturity amortized cost, Due in five year through ten years	300,000	'
Held to Maturity amortized cost, Due after ten years	300,000	'
Held to Maturity, Amortized cost	2,305,000	2,345,000
Available for sale market value, Due in one year or less	2,086,000	'
Available for sale market value, Due after one year through five years	11,153,000	'
Available for sale market value, Due in five year through ten years	6,451,000	'
Available for sale market value, Due after ten years	290,000	'
Available for sale market value, Subtotal	19,980,000	'
Available for Sale, Market Value	50,280,668	50,763,551
Held to maturity market value, Due in one year or less	91,000	'
Held to maturity market value, Due after one year through five years	1,695,000	'
Held to maturity market value, Due in five year through ten years	332,000	'
Held to maturity market value, Due after ten years	332,000	'
Held to Maturity, Market Value	2,450,000	2,570,000
Equity Securities [Member]	'	'
Investments Classified By Contractual Maturity Date [Line Items]	'	'
Available for Sale, Amortized Cost	2,000	3,000
Available for Sale, Market Value	3,000	1,000
Mortgage-backed securities [Member]	'	'
Investments Classified By Contractual Maturity Date [Line Items]	'	'
Available for Sale, Amortized Cost	30,304,000	28,901,000
Available for Sale, Market Value	$30,298,000	$29,608,000

SECURITIES_Additional_Informat

SECURITIES (Additional Information) (Details) (USD $)	9 Months Ended		12 Months Ended
	Sep. 30, 2013	Sep. 30, 2012	Dec. 31, 2012
SECURITIES [Abstract]	'	'	'
Securities pledge as collateral, carrying value	$37,820,000	'	$44,135,000
Gross proceeds from sales of securities	0	1,553,000	'
Gross gains from sale of securities	0	54,000	'
Gross losses from sale of securities	0	7,000	'
Number of securities with unrealized losses twelve months or longer	5	'	2
Fair value of securities with unrealized losses twelve months or longer	3,128,000	'	1,688,000
Unrealized losses twelve months or longer	87,000	'	18,000
Number of securities with unrealized losses less than twelve months	26	'	7
Fair value of securities with unrealized losses less than twelve months	20,805,000	'	4,262,000
Unrealized losses less than twelve months	$654,000	'	$36,000

SECURITIES_Summary_of_Temporar

SECURITIES (Summary of Temporarily Impaired Investments Impaired) (Details) (USD $)	9 Months Ended	12 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Dec. 31, 2012
Investments Unrealized Gain Loss Positions [Line Items]	'	'
Fair value of securities with unrealized losses less than twelve months	$20,805	$4,262
Available-for-Sale, Gross Unrealized Losses less than 12 months	-654	-36
Fair value of securities with unrealized losses twelve months or longer	3,128	1,688
Available-for-Sale, Gross Unrealized Losses longer than 12 months	-87	-18
Held-to-Maturity, Fair Value Unrealized Losses less than 12 months	'	'
Held-to-Maturity, Gross Unrealized Losses less than 12 months	'	'
Held-to-Maturity, Fair Value Unrealized Losses longer than 12 months	'	'
Held-to-Maturity, Gross Unrealized Losses longer than 12 months	'	'
U.S. Government and agency obligations [Member]	'	'
Investments Unrealized Gain Loss Positions [Line Items]	'	'
Fair value of securities with unrealized losses less than twelve months	901	'
Available-for-Sale, Gross Unrealized Losses less than 12 months	-98	'
Fair value of securities with unrealized losses twelve months or longer	'	'
Available-for-Sale, Gross Unrealized Losses longer than 12 months	'	'
Municipal obligations [Member]	'	'
Investments Unrealized Gain Loss Positions [Line Items]	'	'
Fair value of securities with unrealized losses less than twelve months	6,773	1,537
Available-for-Sale, Gross Unrealized Losses less than 12 months	-274	-23
Fair value of securities with unrealized losses twelve months or longer	953	'
Available-for-Sale, Gross Unrealized Losses longer than 12 months	-23	'
Mortgage-backed securities [Member]	'	'
Investments Unrealized Gain Loss Positions [Line Items]	'	'
Fair value of securities with unrealized losses less than twelve months	13,131	2,725
Available-for-Sale, Gross Unrealized Losses less than 12 months	-282	-13
Fair value of securities with unrealized losses twelve months or longer	2,175	1,687
Available-for-Sale, Gross Unrealized Losses longer than 12 months	-64	-16
Equity securities [Member]	'	'
Investments Unrealized Gain Loss Positions [Line Items]	'	'
Fair value of securities with unrealized losses less than twelve months	'	'
Available-for-Sale, Gross Unrealized Losses less than 12 months	'	'
Fair value of securities with unrealized losses twelve months or longer	'	1
Available-for-Sale, Gross Unrealized Losses longer than 12 months	'	($2)

LOANS_Composition_of_Loan_Port

LOANS (Composition of Loan Portfolio by Loan Type) (Details) (USD $)	Sep. 30, 2013	Dec. 31, 2012	Sep. 30, 2012
Composition Of Loan Portfolio [Line Items]	'	'	'
Gross loans	$140,098,000	$140,982,000	$140,371,000
Net deferred loan fees	-300,000	-320,000	'
Allowance for loan losses	-1,793,258	-1,749,915	'
Total loans, net	138,005,242	138,911,989	'
Residential mortgage [Member]	'	'	'
Composition Of Loan Portfolio [Line Items]	'	'	'
Gross loans	64,244,000	66,539,000	65,552,000
Commercial loans, secured by real estate [Member]	'	'	'
Composition Of Loan Portfolio [Line Items]	'	'	'
Gross loans	53,022,000	54,673,000	'
Commercial loans, other [Member]	'	'	'
Composition Of Loan Portfolio [Line Items]	'	'	'
Gross loans	12,429,000	8,102,000	8,414,000
Commercial Loans [Member]	'	'	'
Composition Of Loan Portfolio [Line Items]	'	'	'
Gross loans	65,451,000	62,775,000	'
Consumer loans, secured by real estate [Member]	'	'	'
Composition Of Loan Portfolio [Line Items]	'	'	'
Gross loans	9,286,000	10,409,000	11,561,000
Consumer loans, other [Member]	'	'	'
Composition Of Loan Portfolio [Line Items]	'	'	'
Gross loans	1,117,000	1,259,000	'
Consumer loans [Member]	'	'	'
Composition Of Loan Portfolio [Line Items]	'	'	'
Gross loans	$10,403,000	$11,668,000	'

LOANS_Contractual_Aging_of_Rec

LOANS (Contractual Aging of Recorded Investment in Past Due Loans by Class of Loans) (Details) (USD $)	Sep. 30, 2013	Dec. 31, 2012	Sep. 30, 2012
In Thousands, unless otherwise specified
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'	'
30-59 Days past due	$1,857	$5,440	'
60-89 Days past due	1,897	1,341	'
Greater than 90 days past due	3,083	1,672	'
Total past due	6,837	8,453	'
Current	133,261	132,529	'
Total financing receivables	140,098	140,982	140,371
Recorded investment > 90 days and accruing	85	67	'
Commercial Real Estate - Construction [Member]	'	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'	'
30-59 Days past due	'	'	'
60-89 Days past due	'	'	'
Greater than 90 days past due	173	173	'
Total past due	173	173	'
Current	'	2,073	'
Total financing receivables	173	2,246	'
Recorded investment > 90 days and accruing	'	'	'
Commercial Real Estate - Other [Member]	'	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'	'
30-59 Days past due	39	3,210	'
60-89 Days past due	1,305	540	'
Greater than 90 days past due	2,151	282	'
Total past due	3,495	4,032	'
Current	49,354	48,395	'
Total financing receivables	52,849	52,427	'
Recorded investment > 90 days and accruing	'	'	'
Commercial - non real estate [Member]	'	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'	'
30-59 Days past due	66	113	'
60-89 Days past due	27	'	'
Greater than 90 days past due	'	'	'
Total past due	93	113	'
Current	12,336	7,989	'
Total financing receivables	12,429	8,102	8,414
Recorded investment > 90 days and accruing	'	'	'
Consumer - Real Estate [Member]	'	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'	'
30-59 Days past due	121	59	'
60-89 Days past due	13	'	'
Greater than 90 days past due	'	13	'
Total past due	134	72	'
Current	9,152	10,337	'
Total financing receivables	9,286	10,409	11,561
Recorded investment > 90 days and accruing	'	'	'
Consumer - Other [Member]	'	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'	'
30-59 Days past due	'	11	'
60-89 Days past due	'	5	'
Greater than 90 days past due	'	6	'
Total past due	'	22	'
Current	1,117	1,237	'
Total financing receivables	1,117	1,259	'
Recorded investment > 90 days and accruing	'	6	'
Residential [Member]	'	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'	'
30-59 Days past due	1,631	2,047	'
60-89 Days past due	552	796	'
Greater than 90 days past due	759	1,198	'
Total past due	2,942	4,041	'
Current	61,302	62,498	'
Total financing receivables	64,244	66,539	65,552
Recorded investment > 90 days and accruing	$85	$61	'

LOANS_Additional_Information_D

LOANS (Additional Information) (Details) (USD $)	9 Months Ended
In Millions, unless otherwise specified	Sep. 30, 2013
Accounts, Notes, Loans and Financing Receivable [Line Items]	'
Trouble debt restructuring, impaired loan	2.4
Unsecured Debt [Member]	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'
Delinquency period	'90 days
Secured Debt [Member] | Consumer loans [Member]	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'
Delinquency period	'120 days
Secured Debt [Member] | Commercial Loans [Member]	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'
Delinquency period	'90 days

LOANS_Risk_Category_of_Loans_b

LOANS (Risk Category of Loans by Class of Loans Based on Most Recent Analysis Performed) (Details) (USD $)	Sep. 30, 2013	Dec. 31, 2012	Sep. 30, 2012
In Thousands, unless otherwise specified
Financing Receivable, Recorded Investment [Line Items]	'	'	'
Gross loans	$140,098	$140,982	$140,371
Commercial Real Estate - Construction [Member]	'	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'	'
Gross loans	173	2,246	'
Commercial Real Estate - Construction [Member] | Loan Grade One to Two [Member]	'	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'	'
Gross loans	'	'	'
Commercial Real Estate - Construction [Member] | Loan Grade Three [Member]	'	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'	'
Gross loans	'	615	'
Commercial Real Estate - Construction [Member] | Loan Grade Four [Member]	'	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'	'
Gross loans	'	1,458	'
Commercial Real Estate - Construction [Member] | Loan Grade Five [Member]	'	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'	'
Gross loans	'	'	'
Commercial Real Estate - Construction [Member] | Loan Grade Six [Member]	'	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'	'
Gross loans	173	173	'
Commercial Real Estate - Construction [Member] | Loan Grade Seven [Member]	'	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'	'
Gross loans	'	'	'
Commercial Real Estate - Construction [Member] | Loan Grade Eight [Member]	'	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'	'
Gross loans	'	'	'
Commercial Real Estate - Other [Member]	'	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'	'
Gross loans	52,849	52,427	'
Commercial Real Estate - Other [Member] | Loan Grade One to Two [Member]	'	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'	'
Gross loans	'	'	'
Commercial Real Estate - Other [Member] | Loan Grade Three [Member]	'	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'	'
Gross loans	15,822	13,895	'
Commercial Real Estate - Other [Member] | Loan Grade Four [Member]	'	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'	'
Gross loans	27,878	27,488	'
Commercial Real Estate - Other [Member] | Loan Grade Five [Member]	'	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'	'
Gross loans	5,468	2,712	'
Commercial Real Estate - Other [Member] | Loan Grade Six [Member]	'	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'	'
Gross loans	3,681	8,332	'
Commercial Real Estate - Other [Member] | Loan Grade Seven [Member]	'	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'	'
Gross loans	'	'	'
Commercial Real Estate - Other [Member] | Loan Grade Eight [Member]	'	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'	'
Gross loans	'	'	'
Commercial loans, other [Member]	'	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'	'
Gross loans	12,429	8,102	8,414
Commercial loans, other [Member] | Loan Grade One to Two [Member]	'	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'	'
Gross loans	'	'	'
Commercial loans, other [Member] | Loan Grade Three [Member]	'	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'	'
Gross loans	5,954	2,376	'
Commercial loans, other [Member] | Loan Grade Four [Member]	'	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'	'
Gross loans	6,179	5,489	'
Commercial loans, other [Member] | Loan Grade Five [Member]	'	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'	'
Gross loans	106	37	'
Commercial loans, other [Member] | Loan Grade Six [Member]	'	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'	'
Gross loans	190	200	'
Commercial loans, other [Member] | Loan Grade Seven [Member]	'	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'	'
Gross loans	'	'	'
Commercial loans, other [Member] | Loan Grade Eight [Member]	'	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'	'
Gross loans	'	'	'

LOANS_Risk_Category_of_Loans_b1

LOANS (Risk Category of Loans by Class Based on Most Recent Analysis Performed) (Details) (USD $)	Sep. 30, 2013	Dec. 31, 2012	Sep. 30, 2012
In Thousands, unless otherwise specified
Financing Receivable, Recorded Investment [Line Items]	'	'	'
Gross loans	$140,098	$140,982	$140,371
Residential [Member]	'	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'	'
Gross loans	64,244	66,539	65,552
Residential [Member] | Pass [Member]	'	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'	'
Gross loans	63,089	64,668	'
Residential [Member] | Substandard [Member]	'	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'	'
Gross loans	1,155	1,871	'
Residential [Member] | Special Mention [Member]	'	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'	'
Gross loans	'	'	'
Consumer - Real Estate [Member]	'	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'	'
Gross loans	9,286	10,409	11,561
Consumer - Real Estate [Member] | Performing [Member]	'	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'	'
Gross loans	9,279	10,381	'
Consumer - Real Estate [Member] | Nonperforming [Member]	'	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'	'
Gross loans	7	28	'
Consumer - Other [Member]	'	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'	'
Gross loans	1,117	1,259	'
Consumer - Other [Member] | Performing [Member]	'	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'	'
Gross loans	1,117	1,253	'
Consumer - Other [Member] | Nonperforming [Member]	'	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'	'
Gross loans	'	$6	'

LOANS_Recorded_Investment_in_N

LOANS (Recorded Investment in Non-Accrual Loans by Class) (Details) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Financing Receivable, Recorded Investment [Line Items]	'	'
Recorded investment in non-accrual loans	$3,402	$4,863
Commercial Real Estate - Construction [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Recorded investment in non-accrual loans	173	173
Commercial Real Estate - Other [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Recorded investment in non-accrual loans	2,151	2,851
Commercial Loans [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Recorded investment in non-accrual loans	'	'
Consumer - Real Estate [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Recorded investment in non-accrual loans	7	28
Consumer - Other [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Recorded investment in non-accrual loans	'	1
Residential [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Recorded investment in non-accrual loans	$1,071	$1,810

LOANS_Impaired_Loans_Classifie

LOANS (Impaired Loans Classified as Troubled Debt Restructurings) (Details) (Troubled Debt Restructuring [Member], USD $)	3 Months Ended	9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
Financing Receivable, Modifications [Line Items]	'	'	'
Number of contracts	2	4	4
Pre-modification outstanding recorded investments	$1,914	$2,773	$3,542
Post-modification outstanding recorded investment	1,454	2,702	3,052
Commercial Real Estate - Construction [Member]	'	'	'
Financing Receivable, Modifications [Line Items]	'	'	'
Number of contracts	'	'	'
Pre-modification outstanding recorded investments	'	'	'
Post-modification outstanding recorded investment	'	'	'
Commercial Real Estate - Other [Member]	'	'	'
Financing Receivable, Modifications [Line Items]	'	'	'
Number of contracts	'	2	'
Pre-modification outstanding recorded investments	'	2,442	'
Post-modification outstanding recorded investment	'	2,434	'
Consumer - Real Estate [Member]	'	'	'
Financing Receivable, Modifications [Line Items]	'	'	'
Number of contracts	'	'	'
Pre-modification outstanding recorded investments	'	'	'
Post-modification outstanding recorded investment	'	'	'
Commercial - non real estate [Member]	'	'	'
Financing Receivable, Modifications [Line Items]	'	'	'
Number of contracts	2	'	4
Pre-modification outstanding recorded investments	1,914	'	3,542
Post-modification outstanding recorded investment	1,454	'	3,052
Residential [Member]	'	'	'
Financing Receivable, Modifications [Line Items]	'	'	'
Number of contracts	'	2	'
Pre-modification outstanding recorded investments	'	331	'
Post-modification outstanding recorded investment	'	$268	'

LOANS_Debt_Restructurings_Defa

LOANS (Debt Restructurings Defaulted) (Details) (Troubled Debt Restructuring [Member], USD $)	3 Months Ended	9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
Financing Receivable, Modifications [Line Items]	'	'	'
Number of Contracts	'	1	1
Recorded Investment	'	$190	$63
Commercial Real Estate - Construction [Member]	'	'	'
Financing Receivable, Modifications [Line Items]	'	'	'
Number of Contracts	'	'	'
Recorded Investment	'	'	'
Commercial Real Estate - Other [Member]	'	'	'
Financing Receivable, Modifications [Line Items]	'	'	'
Number of Contracts	'	'	1
Recorded Investment	'	'	63
Consumer - Real Estate [Member]	'	'	'
Financing Receivable, Modifications [Line Items]	'	'	'
Number of Contracts	'	'	'
Recorded Investment	'	'	'
Commercial - non real estate [Member]	'	'	'
Financing Receivable, Modifications [Line Items]	'	'	'
Number of Contracts	'	'	'
Recorded Investment	'	'	'
Residential [Member]	'	'	'
Financing Receivable, Modifications [Line Items]	'	'	'
Number of Contracts	'	1	'
Recorded Investment	'	$190	'

LOANS_Loans_Individually_Evalu

LOANS (Loans Individually Evaluated for Impairment by Class of Loans) (Details) (USD $)	3 Months Ended		9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012	Dec. 31, 2012
Commercial [Member]	'	'	'	'	'
Financing Receivable, Impaired [Line Items]	'	'	'	'	'
Unpaid Principal Balance, With no related allowance recorded	'	'	'	'	'
Recorded Investment, With no related allowance recorded	'	'	'	'	'
Related Allowance, With no related allowance recorded	'	'	'	'	'
Average Recorded Investment, With no related allowance recorded	'	'	'	'	'
Interest Income Recognized, With no related allowance recorded	'	'	'	'	'
Unpaid Principal Balance, With a specific allowance recorded	'	'	'	'	'
Recorded Investment, With a specific allowance recorded	'	'	'	'	'
Related Allowance, With a specific allowance recorded	'	'	'	'	'
Average Recorded Investment, With a specific allowance recorded	'	'	'	'	'
Interest Income Recognized, With a specific allowance recorded	'	'	'	'	'
Unpaid Principal Balance, total	'	'	'	'	'
Recorded Investment, total	'	'	'	'	'
Related Allowance, total	'	'	'	'	'
Average Recorded Investment, total	'	'	'	'	'
Interest Income Recognized, total	'	'	'	'	'
Commercial Real Estate - Construction [Member]	'	'	'	'	'
Financing Receivable, Impaired [Line Items]	'	'	'	'	'
Unpaid Principal Balance, With no related allowance recorded	1,589	'	1,589	'	1,589
Recorded Investment, With no related allowance recorded	173	'	173	'	173
Related Allowance, With no related allowance recorded	'	'	'	'	'
Average Recorded Investment, With no related allowance recorded	173	173	173	173	'
Interest Income Recognized, With no related allowance recorded	'	'	'	'	'
Unpaid Principal Balance, With a specific allowance recorded	'	'	'	'	'
Recorded Investment, With a specific allowance recorded	'	'	'	'	'
Related Allowance, With a specific allowance recorded	'	'	'	'	'
Average Recorded Investment, With a specific allowance recorded	'	'	'	'	'
Interest Income Recognized, With a specific allowance recorded	'	'	'	'	'
Unpaid Principal Balance, total	1,589	'	1,589	'	1,589
Recorded Investment, total	173	'	173	'	173
Related Allowance, total	'	'	'	'	'
Average Recorded Investment, total	173	173	173	173	'
Interest Income Recognized, total	'	'	'	'	'
Commercial Real Estate - Other [Member]	'	'	'	'	'
Financing Receivable, Impaired [Line Items]	'	'	'	'	'
Unpaid Principal Balance, With no related allowance recorded	4,064	'	4,064	'	4,869
Recorded Investment, With no related allowance recorded	4,064	'	4,064	'	4,535
Related Allowance, With no related allowance recorded	'	'	'	'	'
Average Recorded Investment, With no related allowance recorded	4,189	3,206	4,065	3,309	'
Interest Income Recognized, With no related allowance recorded	56	35	148	107	'
Unpaid Principal Balance, With a specific allowance recorded	2,030	'	2,030	'	2,138
Recorded Investment, With a specific allowance recorded	2,030	'	2,030	'	2,127
Related Allowance, With a specific allowance recorded	510	'	510	'	101
Average Recorded Investment, With a specific allowance recorded	2,030	2,167	2,030	2,175	'
Interest Income Recognized, With a specific allowance recorded	'	20	'	61	'
Unpaid Principal Balance, total	6,094	'	6,094	'	7,007
Recorded Investment, total	6,094	'	6,094	'	6,662
Related Allowance, total	510	'	510	'	101
Average Recorded Investment, total	6,219	5,373	6,095	5,484	'
Interest Income Recognized, total	56	55	148	168	'
Consumer - Real Estate [Member]	'	'	'	'	'
Financing Receivable, Impaired [Line Items]	'	'	'	'	'
Unpaid Principal Balance, With no related allowance recorded	8	'	8	'	33
Recorded Investment, With no related allowance recorded	7	'	7	'	28
Related Allowance, With no related allowance recorded	'	'	'	'	'
Average Recorded Investment, With no related allowance recorded	9	29	7	31	'
Interest Income Recognized, With no related allowance recorded	'	'	'	'	'
Unpaid Principal Balance, With a specific allowance recorded	'	'	'	'	'
Recorded Investment, With a specific allowance recorded	'	'	'	'	'
Related Allowance, With a specific allowance recorded	'	'	'	'	'
Average Recorded Investment, With a specific allowance recorded	'	96	'	96	'
Interest Income Recognized, With a specific allowance recorded	'	'	'	'	'
Unpaid Principal Balance, total	8	'	8	'	33
Recorded Investment, total	7	'	7	'	28
Related Allowance, total	'	'	'	'	'
Average Recorded Investment, total	9	125	7	127	'
Interest Income Recognized, total	'	'	'	'	'
Consumer - Other [Member]	'	'	'	'	'
Financing Receivable, Impaired [Line Items]	'	'	'	'	'
Unpaid Principal Balance, With no related allowance recorded	'	'	'	'	1
Recorded Investment, With no related allowance recorded	'	'	'	'	1
Related Allowance, With no related allowance recorded	'	'	'	'	'
Average Recorded Investment, With no related allowance recorded	'	3	'	4	'
Interest Income Recognized, With no related allowance recorded	'	'	'	'	'
Unpaid Principal Balance, With a specific allowance recorded	'	'	'	'	'
Recorded Investment, With a specific allowance recorded	'	'	'	'	'
Related Allowance, With a specific allowance recorded	'	'	'	'	'
Average Recorded Investment, With a specific allowance recorded	'	'	'	'	'
Interest Income Recognized, With a specific allowance recorded	'	'	'	'	'
Unpaid Principal Balance, total	'	'	'	'	1
Recorded Investment, total	'	'	'	'	1
Related Allowance, total	'	'	'	'	'
Average Recorded Investment, total	'	3	'	4	'
Interest Income Recognized, total	'	'	'	'	'
Residential [Member]	'	'	'	'	'
Financing Receivable, Impaired [Line Items]	'	'	'	'	'
Unpaid Principal Balance, With no related allowance recorded	1,595	'	1,595	'	1,365
Recorded Investment, With no related allowance recorded	1,169	'	1,169	'	1,194
Related Allowance, With no related allowance recorded	'	'	'	'	'
Average Recorded Investment, With no related allowance recorded	1,296	1,657	1,170	1,666	'
Interest Income Recognized, With no related allowance recorded	'	'	'	'	'
Unpaid Principal Balance, With a specific allowance recorded	73	'	73	'	616
Recorded Investment, With a specific allowance recorded	64	'	64	'	616
Related Allowance, With a specific allowance recorded	21	'	21	'	141
Average Recorded Investment, With a specific allowance recorded	64	45	64	45	'
Interest Income Recognized, With a specific allowance recorded	'	'	'	'	'
Unpaid Principal Balance, total	1,668	'	1,668	'	1,981
Recorded Investment, total	1,233	'	1,233	'	1,810
Related Allowance, total	21	'	21	'	141
Average Recorded Investment, total	1,360	1,702	1,234	1,711	'
Interest Income Recognized, total	'	'	'	'	'

LOANS_Activity_in_Allowance_fo

LOANS (Activity in Allowance for Loan and Lease Losses) (Details) (USD $)	3 Months Ended		9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
Allowance for credit losses:	'	'	'	'
Beginning Balance	$1,691	$1,773	$1,750	$1,518
Charge-offs	-63	-341	-535	-1,072
Recoveries	133	18	206	49
Provision	32	234	372	1,189
Ending Balance	1,793	1,684	1,793	1,684
Commercial Construction [Member]	'	'	'	'
Allowance for credit losses:	'	'	'	'
Beginning Balance	'	'	64	10
Charge-offs	'	'	'	'
Recoveries	'	'	'	'
Provision	'	35	-64	25
Ending Balance	'	35	'	35
Commercial Real Estate [Member]	'	'	'	'
Allowance for credit losses:	'	'	'	'
Beginning Balance	673	770	579	393
Charge-offs	'	-138	-85	-265
Recoveries	46	2	57	10
Provision	87	-13	255	483
Ending Balance	806	621	806	621
Commercial - non real estate [Member]	'	'	'	'
Allowance for credit losses:	'	'	'	'
Beginning Balance	79	40	69	53
Charge-offs	'	'	'	'
Recoveries	'	'	'	'
Provision	-9	36	1	23
Ending Balance	70	76	70	76
Consumer - Real Estate [Member]	'	'	'	'
Allowance for credit losses:	'	'	'	'
Beginning Balance	75	140	99	146
Charge-offs	-33	-17	-40	-54
Recoveries	2	6	34	14
Provision	24	1	-25	24
Ending Balance	68	130	68	130
Consumer [Member]	'	'	'	'
Allowance for credit losses:	'	'	'	'
Beginning Balance	25	15	33	46
Charge-offs	-1	-20	-13	-29
Recoveries	'	3	5	8
Provision	-4	36	-5	9
Ending Balance	20	34	20	34
Residential [Member]	'	'	'	'
Allowance for credit losses:	'	'	'	'
Beginning Balance	839	808	906	870
Charge-offs	-29	-166	-397	-724
Recoveries	85	7	110	17
Provision	-66	139	210	625
Ending Balance	829	788	829	788
Unallocated Financing Receivables [Member]	'	'	'	'
Allowance for credit losses:	'	'	'	'
Beginning Balance	'	'	'	'
Charge-offs	'	'	'	'
Recoveries	'	'	'	'
Provision	'	'	'	'
Ending Balance	'	'	'	'

LOANS_Loans_Individually_Evalu1

LOANS (Loans Individually Evaluated For Impairment) (Details) (USD $)	Sep. 30, 2013	Dec. 31, 2012	Sep. 30, 2012
In Thousands, unless otherwise specified
Financing Receivable, Allowance for Credit Losses [Line Items]	'	'	'
Ending balance: individually evaluated for impairment	$531	'	$201
Ending balance: loans collectively evaluated for impairment	1,262	'	1,483
Ending balance: loans acquired with deteriorated credit quality	'	'	'
Financing Receivables	'	'	'
Gross loans	140,098	140,982	140,371
Ending balance: individually evaluated for impairment	7,507	'	4,477
Ending balance: collectively evaluated for impairment	132,591	'	135,894
Ending balance: loans acquired with deteriorated credit quality	'	'	'
Commercial Construction [Member]	'	'	'
Financing Receivable, Allowance for Credit Losses [Line Items]	'	'	'
Ending balance: individually evaluated for impairment	'	'	'
Ending balance: loans collectively evaluated for impairment	'	'	35
Ending balance: loans acquired with deteriorated credit quality	'	'	'
Financing Receivables	'	'	'
Gross loans	173	'	487
Ending balance: individually evaluated for impairment	173	'	173
Ending balance: collectively evaluated for impairment	'	'	314
Ending balance: loans acquired with deteriorated credit quality	'	'	'
Commercial Real Estate [Member]	'	'	'
Financing Receivable, Allowance for Credit Losses [Line Items]	'	'	'
Ending balance: individually evaluated for impairment	510	'	175
Ending balance: loans collectively evaluated for impairment	296	'	446
Ending balance: loans acquired with deteriorated credit quality	'	'	'
Financing Receivables	'	'	'
Gross loans	52,849	'	53,081
Ending balance: individually evaluated for impairment	6,094	'	2,573
Ending balance: collectively evaluated for impairment	46,755	'	50,508
Ending balance: loans acquired with deteriorated credit quality	'	'	'
Commercial - non real estate [Member]	'	'	'
Financing Receivable, Allowance for Credit Losses [Line Items]	'	'	'
Ending balance: individually evaluated for impairment	'	'	'
Ending balance: loans collectively evaluated for impairment	70	'	76
Ending balance: loans acquired with deteriorated credit quality	'	'	'
Financing Receivables	'	'	'
Gross loans	12,429	8,102	8,414
Ending balance: individually evaluated for impairment	'	'	'
Ending balance: collectively evaluated for impairment	12,429	'	8,414
Ending balance: loans acquired with deteriorated credit quality	'	'	'
Consumer Real Estate [Member]	'	'	'
Financing Receivable, Allowance for Credit Losses [Line Items]	'	'	'
Ending balance: individually evaluated for impairment	'	'	'
Ending balance: loans collectively evaluated for impairment	68	'	130
Ending balance: loans acquired with deteriorated credit quality	'	'	'
Financing Receivables	'	'	'
Gross loans	9,286	10,409	11,561
Ending balance: individually evaluated for impairment	7	'	174
Ending balance: collectively evaluated for impairment	9,279	'	11,387
Ending balance: loans acquired with deteriorated credit quality	'	'	'
Consumer [Member]	'	'	'
Financing Receivable, Allowance for Credit Losses [Line Items]	'	'	'
Ending balance: individually evaluated for impairment	'	'	21
Ending balance: loans collectively evaluated for impairment	20	'	13
Ending balance: loans acquired with deteriorated credit quality	'	'	'
Financing Receivables	'	'	'
Gross loans	1,117	'	1,276
Ending balance: individually evaluated for impairment	'	'	1
Ending balance: collectively evaluated for impairment	1,117	'	1,275
Ending balance: loans acquired with deteriorated credit quality	'	'	'
Residential [Member]	'	'	'
Financing Receivable, Allowance for Credit Losses [Line Items]	'	'	'
Ending balance: individually evaluated for impairment	21	'	5
Ending balance: loans collectively evaluated for impairment	808	'	783
Ending balance: loans acquired with deteriorated credit quality	'	'	'
Financing Receivables	'	'	'
Gross loans	64,244	66,539	65,552
Ending balance: individually evaluated for impairment	1,233	'	1,556
Ending balance: collectively evaluated for impairment	63,011	'	63,996
Ending balance: loans acquired with deteriorated credit quality	'	'	'
Unallocated Financing Receivables [Member]	'	'	'
Financing Receivable, Allowance for Credit Losses [Line Items]	'	'	'
Ending balance: individually evaluated for impairment	'	'	'
Ending balance: loans collectively evaluated for impairment	'	'	'
Ending balance: loans acquired with deteriorated credit quality	'	'	'
Financing Receivables	'	'	'
Gross loans	'	'	'
Ending balance: individually evaluated for impairment	'	'	'
Ending balance: collectively evaluated for impairment	'	'	'
Ending balance: loans acquired with deteriorated credit quality	'	'	'

STOCKBASED_COMPENSATION_Additi

STOCK-BASED COMPENSATION (Additional Information) (Details)	9 Months Ended
	Sep. 30, 2013
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]	'
Vesting period	'5 years
Contractual term	'10 years
Stock Option Plan 1996 [Member]	'
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]	'
Grant of awards, authorized number of shares	127,491
Stock Incentive Plan 2006 [Member]	'
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]	'
Grant of awards, authorized number of shares	242,740
Stock Incentive Plan 2006 [Member] | Stock Options [Member]	'
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]	'
Grant of awards, authorized number of shares	173,386
Stock Incentive Plan 2006 [Member] | Restricted Stock [Member]	'
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]	'
Grant of awards, authorized number of shares	69,354
Available for future grants	5,304

STOCKBASED_COMPENSATION_Summar

STOCK-BASED COMPENSATION (Summary of Option Activity under Plan) (Details) (USD $)	9 Months Ended	12 Months Ended
	Sep. 30, 2013	Dec. 31, 2012
Shares	'	'
Outstanding, Beginning balance	167,620	'
Granted	'	'
Exercised	'	'
Forfeited or expired	-4,900	'
Outstanding, Ending balance	162,720	167,620
Options Exercisable	162,720	'
Weighted-Average Exercise Price	'	'
Outstanding, Beginning Balance	$9.53	'
Forfeited or expired	$9.54	'
Outstanding, Ending Balance	$9.53	$9.53
Options Exercisable	$9.53	'
Weighted Average Remaining Contractual Term	'	'
Outstanding	'2 years 7 months 6 days	'3 years 4 months 24 days
Options exercisable	'2 years 7 months 6 days	'
Aggregate intrinsic value	'	'
Outstanding, Beginning Balance	'	'
Outstanding, Ending Balance	'	'
Options Exercisable	'	'
Closing stock price	$4.43	'

COMMITMENTS_TO_EXTEND_CREDIT_A

COMMITMENTS TO EXTEND CREDIT (Additional Information) (Details) (USD $)	Sep. 30, 2013
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]	'
Commitments to grant loans	$9,119,000
Loans outstanding commitments	21,600,000
Unfunded commitments under lines of credit [Member]	'
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]	'
Commitments to grant loans	12,445,000
Commercial and standby letters of credit [Member]	'
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]	'
Commitments to grant loans	$59,000

FAIR_VALUE_MEASUREMENTS_Assets

FAIR VALUE MEASUREMENTS (Assets and Liabilities Measured at Fair Value on Recurring Basis) (Details) (Available-for-sale Securities [Member], USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Fair value disclosure recurring, assets	$50,281	$50,764
US Government and agency obligations [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Fair value disclosure recurring, assets	7,075	9,247
Municipal notes [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Fair value disclosure recurring, assets	11,794	10,758
Corporate bonds [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Fair value disclosure recurring, assets	1,111	1,150
Mortgage-backed securities [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Fair value disclosure recurring, assets	30,298	29,608
Equity securities [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Fair value disclosure recurring, assets	3	1
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Fair value disclosure recurring, assets	'	'
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | US Government and agency obligations [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Fair value disclosure recurring, assets	'	'
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Municipal notes [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Fair value disclosure recurring, assets	'	'
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Corporate bonds [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Fair value disclosure recurring, assets	'	'
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Mortgage-backed securities [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Fair value disclosure recurring, assets	'	'
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Equity securities [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Fair value disclosure recurring, assets	'	'
Significant Other Observable Inputs (Level 2) [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Fair value disclosure recurring, assets	50,281	50,764
Significant Other Observable Inputs (Level 2) [Member] | US Government and agency obligations [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Fair value disclosure recurring, assets	7,075	9,247
Significant Other Observable Inputs (Level 2) [Member] | Municipal notes [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Fair value disclosure recurring, assets	11,794	10,758
Significant Other Observable Inputs (Level 2) [Member] | Corporate bonds [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Fair value disclosure recurring, assets	1,111	1,150
Significant Other Observable Inputs (Level 2) [Member] | Mortgage-backed securities [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Fair value disclosure recurring, assets	30,298	29,608
Significant Other Observable Inputs (Level 2) [Member] | Equity securities [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Fair value disclosure recurring, assets	3	1
Significant Unobservable Inputs (Level 3) [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Fair value disclosure recurring, assets	'	'
Significant Unobservable Inputs (Level 3) [Member] | US Government and agency obligations [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Fair value disclosure recurring, assets	'	'
Significant Unobservable Inputs (Level 3) [Member] | Municipal notes [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Fair value disclosure recurring, assets	'	'
Significant Unobservable Inputs (Level 3) [Member] | Corporate bonds [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Fair value disclosure recurring, assets	'	'
Significant Unobservable Inputs (Level 3) [Member] | Mortgage-backed securities [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Fair value disclosure recurring, assets	'	'
Significant Unobservable Inputs (Level 3) [Member] | Equity securities [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Fair value disclosure recurring, assets	'	'

FAIR_VALUE_MEASUREMENTS_Assets1

FAIR VALUE MEASUREMENTS (Assets Measured at Fair Value on Nonrecurring Basis) (Details) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Impaired loans accounted for under FASB ASC 310-10 [Member]	'	'
Fair Value Assets And Liabilities Measured On Nonrecurring Basis [Line Items]	'	'
Fair value disclosure non-recurring, assets	$6,267	$6,835
Other real estate owned -residential mortgages [Member]	'	'
Fair Value Assets And Liabilities Measured On Nonrecurring Basis [Line Items]	'	'
Fair value disclosure non-recurring, assets	279	947
Commercial Real Estate - Other [Member]	'	'
Fair Value Assets And Liabilities Measured On Nonrecurring Basis [Line Items]	'	'
Fair value disclosure non-recurring, assets	939	319
Other repossessed assets [Member]	'	'
Fair Value Assets And Liabilities Measured On Nonrecurring Basis [Line Items]	'	'
Fair value disclosure non-recurring, assets	1,023	1,121
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Impaired loans accounted for under FASB ASC 310-10 [Member]	'	'
Fair Value Assets And Liabilities Measured On Nonrecurring Basis [Line Items]	'	'
Fair value disclosure non-recurring, assets	'	'
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Other real estate owned -residential mortgages [Member]	'	'
Fair Value Assets And Liabilities Measured On Nonrecurring Basis [Line Items]	'	'
Fair value disclosure non-recurring, assets	'	'
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Commercial Real Estate - Other [Member]	'	'
Fair Value Assets And Liabilities Measured On Nonrecurring Basis [Line Items]	'	'
Fair value disclosure non-recurring, assets	'	'
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Other repossessed assets [Member]	'	'
Fair Value Assets And Liabilities Measured On Nonrecurring Basis [Line Items]	'	'
Fair value disclosure non-recurring, assets	'	'
Significant Other Observable Inputs (Level 2) [Member] | Impaired loans accounted for under FASB ASC 310-10 [Member]	'	'
Fair Value Assets And Liabilities Measured On Nonrecurring Basis [Line Items]	'	'
Fair value disclosure non-recurring, assets	'	'
Significant Other Observable Inputs (Level 2) [Member] | Other real estate owned -residential mortgages [Member]	'	'
Fair Value Assets And Liabilities Measured On Nonrecurring Basis [Line Items]	'	'
Fair value disclosure non-recurring, assets	'	'
Significant Other Observable Inputs (Level 2) [Member] | Commercial Real Estate - Other [Member]	'	'
Fair Value Assets And Liabilities Measured On Nonrecurring Basis [Line Items]	'	'
Fair value disclosure non-recurring, assets	'	'
Significant Other Observable Inputs (Level 2) [Member] | Other repossessed assets [Member]	'	'
Fair Value Assets And Liabilities Measured On Nonrecurring Basis [Line Items]	'	'
Fair value disclosure non-recurring, assets	'	'
Significant Unobservable Inputs (Level 3) [Member]	'	'
Fair Value Assets And Liabilities Measured On Nonrecurring Basis [Line Items]	'	'
Fair value disclosure non-recurring, assets	8,508	9,222
Significant Unobservable Inputs (Level 3) [Member] | Impaired loans accounted for under FASB ASC 310-10 [Member]	'	'
Fair Value Assets And Liabilities Measured On Nonrecurring Basis [Line Items]	'	'
Fair value disclosure non-recurring, assets	6,267	6,835
Significant Unobservable Inputs (Level 3) [Member] | Other real estate owned -residential mortgages [Member]	'	'
Fair Value Assets And Liabilities Measured On Nonrecurring Basis [Line Items]	'	'
Fair value disclosure non-recurring, assets	279	947
Significant Unobservable Inputs (Level 3) [Member] | Commercial Real Estate - Other [Member]	'	'
Fair Value Assets And Liabilities Measured On Nonrecurring Basis [Line Items]	'	'
Fair value disclosure non-recurring, assets	939	319
Significant Unobservable Inputs (Level 3) [Member] | Other repossessed assets [Member]	'	'
Fair Value Assets And Liabilities Measured On Nonrecurring Basis [Line Items]	'	'
Fair value disclosure non-recurring, assets	$1,023	$1,121

FAIR_VALUE_MEASUREMENTS_Estima

FAIR VALUE MEASUREMENTS (Estimated Fair Values and Related Carrying or Notional Amounts of Financial Instruments) (Details) (USD $)	Sep. 30, 2013	Dec. 31, 2012
Financial assets:	'	'
Securities AFS	$50,280,668	$50,763,551
Securities held to maturity	2,450,000	2,570,000
Level 1 [Member]	'	'
Financial assets:	'	'
Cash and cash equivalents	3,537,000	2,752,000
Securities AFS	'	'
Securities held to maturity	'	'
Loans held for sale	'	'
Loans receivable - net	'	'
Federal Home Loan Bank stock	'	'
Accrued interest receivable	'	'
Financial liabilities:	'	'
Customer deposits	'	'
Federal Home Loan Bank advances	'	'
REPO sweep accounts	'	'
Accrued interest payable	'	'
Level 2 [Member]	'	'
Financial assets:	'	'
Cash and cash equivalents	'	'
Securities AFS	50,281,000	50,764,000
Securities held to maturity	2,450,000	2,570,000
Loans held for sale	'	'
Loans receivable - net	'	'
Federal Home Loan Bank stock	3,226,000	3,266,000
Accrued interest receivable	953,000	970,000
Financial liabilities:	'	'
Customer deposits	159,885,000	159,335,000
Federal Home Loan Bank advances	24,651,000	26,493,000
REPO sweep accounts	5,560,000	3,183,000
Accrued interest payable	100,000	100,000
Level 3 [Member]	'	'
Financial assets:	'	'
Cash and cash equivalents	'	'
Securities AFS	'	'
Securities held to maturity	'	'
Loans held for sale	974,000	84,000
Loans receivable - net	137,759,000	140,877,000
Federal Home Loan Bank stock	'	'
Accrued interest receivable	'	'
Financial liabilities:	'	'
Customer deposits	'	'
Federal Home Loan Bank advances	'	'
REPO sweep accounts	'	'
Accrued interest payable	'	'
Carrying Value [Member]	'	'
Financial assets:	'	'
Cash and cash equivalents	3,537,000	2,752,000
Securities AFS	50,281,000	50,764,000
Securities held to maturity	2,305,000	2,345,000
Loans held for sale	974,000	79,000
Loans receivable - net	138,005,000	138,912,000
Federal Home Loan Bank stock	3,226,000	3,266,000
Accrued interest receivable	953,000	970,000
Financial liabilities:	'	'
Customer deposits	158,054,000	158,350,000
Federal Home Loan Bank advances	25,016,000	26,358,000
REPO sweep accounts	5,560,000	3,183,000
Accrued interest payable	100,000	100,000
Total Estimated Fair Value [Member]	'	'
Financial assets:	'	'
Cash and cash equivalents	3,537,000	2,752,000
Securities AFS	50,281,000	50,764,000
Securities held to maturity	2,450,000	2,570,000
Loans held for sale	974,000	84,000
Loans receivable - net	137,759,000	140,877,000
Federal Home Loan Bank stock	3,226,000	3,266,000
Accrued interest receivable	953,000	970,000
Financial liabilities:	'	'
Customer deposits	159,885,000	159,335,000
Federal Home Loan Bank advances	24,651,000	26,493,000
REPO sweep accounts	5,560,000	3,183,000
Accrued interest payable	$100,000	$100,000