Select Bancorp (SLCT) 10-Q 28 Nov 14 2014 Q3 Quarterly report Financial data

Document_And_Entity_Informatio

Document And Entity Information	9 Months Ended
	Sep. 30, 2014	Nov. 03, 2014
Document Information [Line Items]	'	'
Entity Registrant Name	'SELECT BANCORP, INC.	'
Entity Central Index Key	'0001263762	'
Current Fiscal Year End Date	'--12-31	'
Entity Filer Category	'Smaller Reporting Company	'
Trading Symbol	'SLCT	'
Entity Common Stock, Shares Outstanding	'	11,377,980
Document Type	'10-Q	'
Amendment Flag	'false	'
Document Period End Date	30-Sep-14	'
Document Fiscal Period Focus	'Q3	'
Document Fiscal Year Focus	'2014	'

CONSOLIDATED_BALANCE_SHEETS

CONSOLIDATED BALANCE SHEETS (USD $)	Sep. 30, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
ASSETS	'	'
Cash and due from banks	$33,641	$20,151	[1]
Interest-earning deposits in other banks	37,064	49,690	[1]
Federal funds sold and repurchase agreements	23,029	3,028	[1]
Investment securities available for sale, at fair value	103,437	83,836	[1]
Loans	546,475	346,500	[1]
Allowance for loan losses	-6,529	-7,054	[1]
NET LOANS	539,946	339,446	[1]
Accrued interest receivable	2,258	1,650	[1]
Stock in Federal Home Loan Bank of Atlanta (“FHLB”), at cost	1,626	796	[1]
Other non marketable securities	1,021	1,055	[1]
Foreclosed real estate	1,687	2,008	[1]
Premises and equipment, net	17,608	10,900	[1]
Bank owned life insurance	10,883	8,463	[1]
Goodwill	5,003	0	[1]
Core deposit intangible	1,786	182	[1]
Other assets	5,994	4,441	[1]
TOTAL ASSETS	784,983	525,646	[1]
Deposits:	'	'
Demand	128,402	85,347	[1]
Savings	38,698	16,597	[1]
Money market and NOW	177,592	124,635	[1]
Time	299,401	221,879	[1]
TOTAL DEPOSITS	644,093	448,458	[1]
Short term debt	18,077	6,305	[1]
Long term debt	26,049	12,372	[1]
Accrued interest payable	290	225	[1]
Accrued expenses and other liabilities	2,479	2,282	[1]
TOTAL LIABILITIES	690,988	469,642	[1]
Shareholders’ Equity	'	'
Preferred stock, no par value, 5,000,000 shares authorized; 7,645 and 0 shares issued and outstanding at September 30, 2014 and December 31, 2013, respectively	7,645	0	[1]
Common stock, $1.00 par value, 25,000,000 shares authorized; 11,349,368 and 6,921,352 shares issued and outstanding at September 30, 2014 and December 31, 2013, respectively	11,349	6,922	[1]
Additional paid-in capital	66,199	42,062	[1]
Retained earnings	8,188	7,128	[1]
Accumulated other comprehensive income (loss)	614	-108	[1]
TOTAL SHAREHOLDERS’ EQUITY	93,995	56,004	[1]
TOTAL LIABILITIES AND SHAREHOLDERS’ EQUITY	$784,983	$525,646	[1]
[1]	Derived from audited consolidated financial statements.

CONSOLIDATED_BALANCE_SHEETS_Pa

CONSOLIDATED BALANCE SHEETS (Parenthetical) (USD $)	Sep. 30, 2014	Dec. 31, 2013
Preferred stock, shares authorized	5,000,000	5,000,000
Preferred Stock, Shares Issued	7,645	0
Preferred Stock, Shares Outstanding	7,645	0
Common stock, par value (in dollars per share)	$1	$1
Common stock, shares authorized	25,000,000	25,000,000
Common stock, shares issued	11,349,368	6,921,352
Common stock, shares outstanding	11,349,368	6,921,352

CONSOLIDATED_STATEMENTS_OF_OPE

CONSOLIDATED STATEMENTS OF OPERATIONS (USD $)	3 Months Ended		9 Months Ended
In Thousands, except Share data, unless otherwise specified	Sep. 30, 2014	Sep. 30, 2013	Sep. 30, 2014	Sep. 30, 2013
INTEREST INCOME	'	'	'	'
Loans	$6,938	$5,184	$16,627	$16,162
Federal funds sold and interest-earning deposits in other banks	32	51	90	163
Investments	571	365	1,398	1,122
TOTAL INTEREST INCOME	7,541	5,600	18,115	17,447
INTEREST EXPENSE	'	'	'	'
Money market, NOW and savings deposits	96	104	213	343
Time deposits	956	1,112	2,890	3,473
Short term debt	44	9	57	34
Long term debt	73	74	217	222
TOTAL INTEREST EXPENSE	1,169	1,299	3,377	4,072
NET INTEREST INCOME	6,372	4,301	14,738	13,375
PROVISION FOR (RECOVERY OF) LOAN LOSSES	105	-130	-370	-605
NET INTEREST INCOME AFTER PROVISION FOR (RECOVERY OF) LOAN LOSSES	6,267	4,431	15,108	13,980
NON-INTEREST INCOME	'	'	'	'
Fees from pre-sold mortgages	0	0	0	73
Service charges on deposit accounts	276	263	728	811
Net losses on sale of investment securities	-77	-48	-288	-183
Other fees and income	451	360	1,188	1,113
TOTAL NON-INTEREST INCOME	650	575	1,628	1,814
NON-INTEREST EXPENSE	'	'	'	'
Personnel	3,101	2,022	7,357	6,107
Occupancy and equipment	487	414	1,267	1,115
Deposit insurance	45	111	251	320
Professional fees	345	274	937	892
Information systems	347	319	1,015	983
Foreclosed real estate related expense	60	143	371	333
Merger and restructuring related expenses	1,325	0	1,723	0
Other	783	581	1,966	1,657
TOTAL NON-INTEREST EXPENSE	6,493	3,864	14,887	11,407
INCOME BEFORE INCOME TAX	424	1,142	1,849	4,387
INCOME TAXES	230	493	770	1,685
NET INCOME	194	649	1,079	2,702
DIVIDENDS AND ACCRETION OF PREFERRED STOCK	19	0	19	0
NET INCOME AVAILABLE TO COMMON SHAREHOLDERS	$175	$649	$1,060	$2,702
NET INCOME PER COMMON SHARE	'	'	'	'
Basic (in dollars per share)	$0.02	$0.09	$0.13	$0.39
Diluted (in dollars per share)	$0.02	$0.09	$0.13	$0.39
WEIGHTED AVERAGE COMMON SHARES OUTSTANDING	'	'	'	'
Basic (in shares)	10,195,846	6,921,352	8,025,706	6,917,958
Diluted (in shares)	10,312,085	6,924,142	8,131,477	6,919,507

CONSOLIDATED_STATEMENTS_OF_COM

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (USD $)	3 Months Ended		9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2014	Sep. 30, 2013	Sep. 30, 2014	Sep. 30, 2013
Net income	$175	$649	$1,060	$2,702
Other comprehensive income (loss):	'	'	'	'
Unrealized gain (loss) on investment securities available for sale	145	-151	863	-1,630
Tax effect	-54	51	-322	554
Other Comprehensive Income (Loss), Unrealized Holding Gain (Loss) on Securities Arising During Period, Net of Tax	91	-100	541	-1,076
Reclassification adjustment for loss included in net income	77	48	288	183
Tax effect	-29	-16	-107	-62
Other Comprehensive Income (Loss), Reclassification Adjustment for Sale of Securities Included in Net Income, Net of Tax	48	32	181	121
Total	139	-68	722	-955
Total comprehensive income	$314	$581	$1,782	$1,747

CONSOLIDATED_STATEMENTS_OF_CHA

CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY (USD $)	Total		Preferred Stock [Member]	Common Stock [Member]	Additional Paid-in Capital [Member]	Retained Earnings [Member]	Accumulated Other Comprehensive Income (Loss) [Member]
In Thousands, except Share data
Balance at Dec. 31, 2012	$54,179		$0	$6,914	$42,000	$4,187	$1,078
Balance (in shares) at Dec. 31, 2012	'		0	6,913,636	'	'	'
Net income	2,702		0	0	0	2,702	0
Other comprehensive income loss, net	-955		0	0	0	0	-955
Stock option exercises	44		0	7	37	0	0
Stock option exercises (in shares)	'		0	7,716	'	'	'
Stock based compensation	21		0	0	21	0	0
Balance at Sep. 30, 2013	55,991		0	6,921	42,058	6,889	123
Balance (in shares) at Sep. 30, 2013	'		0	6,921,352	'	'	'
Balance at Dec. 31, 2013	56,004	[1]	0	6,922	42,062	7,128	-108
Balance (in shares) at Dec. 31, 2013	'		0	6,921,352	'	'	'
Net income	1,060		0	0	0	1,060	0
Other comprehensive income loss, net	722		0	0	0	0	722
Shares issued for Select merger	35,883		7,645	4,416	23,822	0	0
Shares issued for Select merger (in shares)	'		7,645	4,416,668	'	'	'
Preferred stock dividends paid	-19		0	0	-19	0	0
Stock option exercises	78		0	11	67	0	0
Stock option exercises (in shares)	'		0	11,348	'	'	'
Stock based compensation	267		0	0	267	0	0
Balance at Sep. 30, 2014	$93,995		$7,645	$11,349	$66,199	$8,188	$614
Balance (in shares) at Sep. 30, 2014	'		7,645	11,349,368	'	'	'
[1]	Derived from audited consolidated financial statements.

CONSOLIDATED_STATEMENTS_OF_CAS

CONSOLIDATED STATEMENTS OF CASH FLOWS (USD $)	9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2014	Sep. 30, 2013
CASH FLOWS FROM OPERATING ACTIVITIES	'	'
Net income	$1,060	$2,702
Adjustments to reconcile net income to net cash provided by operating activities:	'	'
Recovery of loan losses	-370	-605
Depreciation and amortization of premises and equipment	485	385
Amortization and accretion of investment securities	603	443
Amortization of deferred loan fees and costs	-255	-174
Amortization of core deposit intangible	186	87
Stock-based compensation	88	21
Increase in cash surrender value of bank owned life insurance	-186	-176
Gain on sale of premises and equipment	-6	0
Net loss on sale and write-downs of foreclosed real estate	316	278
Net loss on investment security sales and pay-downs	288	183
Change in assets and liabilities:	'	'
Net change in accrued interest receivable	256	-117
Net change in other assets	1,610	436
Net change in accrued expenses and other liabilities	-303	141
NET CASH PROVIDED BY OPERATING ACTIVITIES	3,772	3,604
CASH FLOWS FROM INVESTING ACTIVITIES	'	'
Redemption of FHLB stock	0	177
Redemption of non-marketable security	34	65
Purchase of investment securities available for sale	-7,444	-23,269
Maturities of investment securities available for sale	8,353	7,351
Mortgage-backed securities pay-downs	6,777	8,859
Sale of investment securities available for sale	954	0
Net change in loans outstanding	16,421	17,945
Cash received from acquisition	15,406	0
Proceeds from sale of foreclosed real estate	1,238	991
Proceeds from sale of premises and equipment	18	0
Purchases of premises and equipment	-494	-328
NET CASH PROVIDED BY INVESTING ACTIVITIES	41,263	11,791
CASH FLOWS FROM FINANCING ACTIVITIES	'	'
Net change in deposits	-26,572	-38,747
Proceeds from short-term debt	4,001	0
Repayments on long-term debt	-1,658	-3,641
Dividends paid	-19	0
Proceeds from stock option exercises	78	44
NET CASH USED IN FINANCING ACTIVITIES	-24,170	-42,344
NET CHANGE IN CASH AND CASH EQUIVALENTS	20,865	-26,949
CASH AND CASH EQUIVALENTS, BEGINNING	72,869	113,608
CASH AND CASH EQUIVALENTS, ENDING	93,734	86,659
SUPPLEMENTAL DISCLOSURES OF CASH FLOW INFORMATION	'	'
Interest	3,312	4,118
Taxes	87	1,361
Non-cash transactions:	'	'
Unrealized gains (losses) on investment securities available for sale, net of tax	722	-955
Transfers from loans to foreclosed real estate	1,164	600
Transfers from loans held for sale to loans, at fair value	0	406
Business combinations:	'	'
Assets acquired	276,937	'
Liabilities assumed	245,878	'
Net assets acquired	31,059	0
Additional consideration ensuing from stock options issued to Legacy Select shareholders	$179	$0

BASIS_OF_PRESENTATION

BASIS OF PRESENTATION	9 Months Ended
	Sep. 30, 2014
Organization, Consolidation and Presentation of Financial Statements [Abstract]	'
Organization, Consolidation and Presentation of Financial Statements Disclosure [Text Block]	'
	NOTE A - BASIS OF PRESENTATION
	Select Bancorp, Inc. (the “Company”) is a bank holding company whose principal business activity consists of ownership of Select Bank & Trust Company (the “Bank”). The Bank is engaged in general commercial and retail banking and operates under the banking laws of North Carolina and the rules and regulations of the Federal Deposit Insurance Corporation and the North Carolina Commissioner of Banks. The Bank undergoes periodic examinations by those regulatory authorities.
	On September 30, 2013, the Company signed a merger agreement with Select Bancorp, Inc. (“Legacy Select”), a bank holding company headquartered in Greenville, North Carolina, whose wholly-owned subsidiary, Select Bank & Trust Company, was a state-chartered commercial bank with approximately $265.3 million in assets. The merger, which closed July 25, 2014, expanded the Bank’s North Carolina presence with six branches located in Greenville (two), Elizabeth City, Washington, Gibsonville and Burlington.
	On July 25, 2014, New Century Bancorp, Inc. (“New Century”) acquired Select Bancorp, Inc., and its wholly-owned subsidiary, Select Bank & Trust Company, and assumed the name, Select Bancorp, Inc.
	Under the terms of the merger agreement, former shareholders of Legacy Select common stock received 1.8264 shares of the Company’s common stock for each share of Legacy Select common stock. The Company issued 4,416,668 shares of common stock in the merger.
	In addition, each share of Legacy Select’s issued and outstanding preferred stock was exchanged for one newly issued share of the Company’s preferred stock having terms substantially identical to the Legacy Select preferred stock. All of the issued and outstanding shares of Legacy Select’s preferred stock are held by the Secretary of the United States Treasury and were issued in connection with Legacy Select’s participation in the Small Business Lending Fund.
	All significant inter-company transactions and balances have been eliminated in consolidation. In management’s opinion, the financial information, which is unaudited, reflects all adjustments (consisting solely of normal recurring adjustments) necessary for a fair presentation of the financial information as of and for the three and nine month periods ended September 30, 2014 and 2013, in conformity with accounting principles generally accepted in the United States of America (“GAAP”).
	The preparation of consolidated financial statements requires management to make estimates and assumptions that affect reported amounts of assets and liabilities at the date of the financial statements, as well as the amounts of income and expense during the reporting period. Actual results could differ from those estimates. Operating results for three and nine month periods ended September 30, 2014 are not necessarily indicative of the results that may be expected for the fiscal year ending December 31, 2014.
	The organization and business of the Company, accounting policies followed by the Company and other relevant information are contained in the notes to the financial statements filed as part of the Company’s 2013 Annual Report for the former New Century Bancorp, Inc. on Form 10-K, filed with the Securities and Exchange Commission (“SEC”) on March 20, 2014. This quarterly report should be read in conjunction with the Annual Report.
	Certain reclassifications of the September 30, 2013 information were made to conform to the September 30, 2014 presentation. Such reclassifications had no effect on shareholders’ equity or net income.

PER_SHARE_RESULTS

PER SHARE RESULTS	9 Months Ended
	Sep. 30, 2014
Earnings Per Share [Abstract]	'
Earnings Per Share [Text Block]	'
	NOTE B - PER SHARE RESULTS
	Basic net income per share is computed based upon the weighted average number of shares of common stock outstanding during the period. Diluted net income per share includes the dilutive effect of stock options outstanding during the period. At September 30, 2014 and 2013 there were 71,080 and 278,659 anti-dilutive options outstanding for each three month period, and 75,783 and 308,909 anti-dilutive options for each nine month period, respectively.
		Three Months Ended		Nine Months Ended
		September 30,		September 30,
		2014	2013	2014	2013
	Weighted average shares used for  basic net income available to  common shareholders	10,195,846	6,921,352	8,025,706	6,917,958
	Effect of dilutive stock options	116,239	2,790	105,771	1,549
	Weighted average shares used for diluted net income available to common shareholders	10,312,085	6,924,142	8,131,477	6,919,507

RECENT_ACCOUNTING_PRONOUNCEMEN

RECENT ACCOUNTING PRONOUNCEMENTS	9 Months Ended
	Sep. 30, 2014
New Accounting Pronouncements and Changes in Accounting Principles [Abstract]	'
Description of New Accounting Pronouncements Not yet Adopted [Text Block]	'
	NOTE C - RECENT ACCOUNTING PRONOUNCEMENTS
	The following summarizes recent accounting pronouncements and their expected impact on the Company:
	ASU 2014-04, Troubled Debt Restructurings by Creditors (Subtopic 310-40): "Reclassification of Residential Real Estate Collateralized Consumer Mortgage Loans upon Foreclosure." This pronouncement clarifies the criteria for concluding that an in substance repossession or foreclosure has occurred, and a creditor is considered to have received physical possession of residential real estate property collateralizing a consumer mortgage loan. The amendments also outline interim and annual disclosure requirements. The amendments will be effective for the Company for interim and annual reporting periods beginning after December 15, 2014. Companies are allowed to use either a modified retrospective transition method or a prospective transition method when adopting this update. Early adoption is permitted. The Company does not expect these amendments to have a material effect on its financial statements.
	In May 2014, the Financial Accounting Standards Board (FASB) issued ASU 2014-09, “Revenue from Contracts with Customers (Topic 660).” This Update sets new guidance to clarify principles for recognizing revenue and develops a common revenue standard with the International Accounting Standards Board. ASU 2014-09 is effective for fiscal years, and interim periods within those years, beginning after December 15, 2016. The Company is currently evaluating the effect of adopting ASU 2014-09 on its consolidated financial statements.
	In June 2014, the FASB issued ASU 2014-11, “Transfers and Servicing: Repurchase-to-Maturity Transactions, Repurchase Financings, and Disclosures (Topic 860).” The amendments in this Update require two accounting changes. First, the amendments in this Update change the accounting for repurchase-to-maturity transactions to secured borrowing accounting. Second, for repurchase financing arrangements, the amendments require separate accounting for a transfer of a financial asset executed contemporaneously with a repurchase agreement with the same counterparty, which will result in secured borrowing accounting for the repurchase agreement. Also, the amendments in this Update require disclosure for certain transactions accounted for as a sale and for repurchase agreements, securities lending transactions, and repurchase-to-maturity transactions accounted for as secured borrowings. The accounting changes and the disclosure for certain transactions accounted for as a sale in this Update are effective for public business entities for the first interim or annual period beginning after December 15, 2014, and the disclosure for repurchase agreements, securities lending transactions, and repurchase-to-maturity transactions accounted for as secured borrowings is required to be presented for annual periods beginning after December 15, 2014 and for interim periods beginning after March 15, 2015. Early adoption for a public business entity is prohibited. The Company is currently evaluating the effect of adopting ASU 2014-11 on its consolidated financial statements.
	Other accounting standards that have been issued or proposed by FASB or other standards-setting bodies are not expected to have a material impact on the Company’s consolidated financial position, results of operations and cash flows.
	From time to time, the FASB issues exposure drafts for proposed statements of financial accounting standards. Such exposure drafts are subject to comment from the public, to revisions by the FASB and to final issuance by the FASB as statements of financial accounting standards. Management considers the effect of the proposed statements on the consolidated financial statements of the Company and monitors the status of changes to and proposed effective dates of exposure drafts.

BUSINESS_COMBINATIONS

BUSINESS COMBINATIONS	9 Months Ended
	Sep. 30, 2014
Business Combinations [Abstract]	'
Business Combination Disclosure [Text Block]	'
	Note D – Business Combinations
	On July 25, 2014, New Century acquired Legacy Select, and its wholly-owned subsidiary, Select Bank & Trust Company, and assumed the name, Select Bancorp, Inc. Under the acquisition method, the assets and liabilities of Legacy Select, as of the effective date of the acquisition, are recorded at their respective fair values. For the acquisition of Legacy Select, estimated fair values of assets acquired and liabilities assumed are based on the information that is available, and the Company believes this information provides a reasonable basis for determining fair values. Management is currently evaluating these fair values, which are subject to revision as more detailed analyses are completed and additional information becomes available, subject to a one-year maximum period following closing of the transaction. Any changes resulting from the evaluation of these or other estimates as of the acquisition date may change the amount of the preliminary fair values recorded.
	The following table provides the carrying value of acquired assets and assumed liabilities, as recorded by the Company, the fair value adjustments calculated at the time of the merger and the resulting fair value recorded by the Company.
		July 25, 2014
		As recorded by		Fair Value		As recorded by
		Legacy Select		adjustments		the Company
	(Dollars in thousands)
	Assets
	Cash and cash equivalents	$	15,406	$	-	$	15,406
	Investment securities		28,264		-284		27,980
	Loans		223,131		-5,541		217,590
	Less: allowance for loan losses		-3,389		3,389		-
	Premises and equipment		6,380		332		6,712
	Accrued interest receivable		864		-132		732
	Other real estate owned		71		-		71
	Bank owned life insurance		2,234		-		2,234
	Goodwill		1,488		-1,488		-
	Core deposit intangible		234		1,556		1,790
	Other assets		2,507		1,915		4,422
	Total assets acquired	$	277,190	$	-253	$	276,937
	Liabilities
	Deposits:
	Noninterest-bearing	$	42,507	$	-	$	42,507
	Interest-bearing		177,525		2,175		179,700
	Total deposits		220,032		2,175		222,207
	Borrowings		22,198		908		23,106
	Other liabilities		565		-		565
	Total liabilities assumed	$	242,795	$	3,083		245,878
	Fair value of net assets assumed						31,059
	Value of preferred shares issued to Legacy Select shareholders						7,645
	Value of common shares issued to Legacy Select shareholders						28,238
	Additional consideration ensuing from stock options issued to Legacy Select shareholders						179
	Goodwill recorded for Legacy Select					$	5,003
	Goodwill recorded for Legacy Select represents future revenues to be derived from the existing customer base, including efficiencies that will result from combining operations.
	On July 25, 2014, 202,842 Legacy Select stock options were converted to 370,427 Company stock options. At September 30, 2014, 370,427 of these converted options were outstanding and exercisable with an average weighted remaining contractual life of approximately 3.84 years and an aggregate intrinsic value of $1.2 million. There were no exercises or forfeitures related to Legacy Select stock options during the third quarter.
	In determining the acquisition date fair value of purchased credit-impaired (“PCI”) loans, and in subsequent accounting, the Company generally aggregates loans into pools of loans with common risk characteristics. Expected cash flows at the acquisition date in excess of the fair value of loans are referred to as the “accretable yield” and recorded as interest income prospectively.
	PCI loans acquired totaled $28.6 million at estimated fair value, and acquired performing loans totaling $189.0 million at estimated fair value were not credit impaired. The gross contractual amount receivable for PCI loans and acquired performing loans was $34.3  million and $231.8 million, respectively, as of the acquisition date.
	For PCI loans acquired from Legacy Select, the contractually required payments including principal and interest, cash flows expected to be collected and fair values as of the closing date of the merger were:
	(Dollars in thousands)	July 25, 2014
	Contractually required payments	$	34,329
	Nonaccretable difference		1,402
	Cash flows expected to be collected		32,927
	Accretable yield		4,360
	Fair value at acquisition date	$	28,567
	The following tables reflect the pro forma total net interest income, noninterest income and net income for the three months and nine months ended September 30, 2014 and 2013 as though the acquisition of Legacy Select had taken place on January 1, 2013. The pro forma results are not adjusted for acquisition-related expense, and are not necessarily indicative of the results of operations that would have occurred had the acquisition actually taken place on January 1, 2013, nor of future results of operations.
		Three Months Ended September 30
		2014		2013
		(Dollars in thousands, except per share)
	Net interest income	$	6,968	$	6,664
	Non-interest income		1,157		892
	Net income		845		1,239
	Earnings per share, basic	$	0.07	$	0.11
	Earnings per share, diluted	$	0.07	$	0.11
	Weighted average common shares outstanding, basic		11,349,368		11,292,404
	Weighted average common shares outstanding, diluted		11,478,758		11,427,956
		Nine Months Ended September 30
		2014		2013
		(Dollars in thousands, except per share)
	Net interest income	$	20,074	$	20,328
	Non-interest income		2,863		2,876
	Net income		3,476		4,385
	Earnings per share, basic	$	0.31	$	0.39
	Earnings per share, diluted	$	0.3	$	0.38
Weighted average common shares outstanding, basic		11,349,368		11,292,404
Weighted average common shares outstanding, diluted		11,478,758		11,427,956
Merger-related expense in 2013 totaled $428,000. These costs were recorded as noninterest expense as incurred. There were no merger-related expenses in 2012 or 2011. The components of merger-related expense for the nine months ended September 30, 2014 are as follows (dollars in thousands):
Personnel	$	2
Furniture and equipment		8
Technology and data processing		1,127
Legal and professional		452
Marketing		63
Stationery, printing and supplies		31
Travel, dues and subscriptions		39
Other		1
Total merger-related expense	$	1,723

FAIR_VALUE_MEASUREMENTS

FAIR VALUE MEASUREMENTS	9 Months Ended
	Sep. 30, 2014
Fair Value Disclosures [Abstract]	'
Fair Value Disclosures [Text Block]	'
	NOTE E - FAIR VALUE MEASUREMENTS
	Accounting Standards Codification (“ASC”) 820 defines fair value, establishes a framework for measuring fair value, and expands disclosures about fair value measurements. ASC 820 does not require any new fair value measurements, but clarifies and standardizes some divergent practices that have emerged since prior guidance was issued. ASC 820 creates a three-level hierarchy under which individual fair value estimates are to be ranked based on the relative reliability of the inputs used in the valuation.
	Fair value estimates are made at a specific moment in time, based on relevant market information and information about the financial instrument. These estimates do not reflect any premium or discount that could result from offering for sale at one time the Company’s entire holdings of a particular financial instrument.
	Because no active market readily exists for a portion of the Company’s financial instruments, fair value estimates are based on judgments regarding future expected loss experience, current economic conditions, risk characteristics of various financial instruments, and other factors. These estimates are subjective in nature and involve uncertainties and matters of significant judgment and, therefore, cannot be determined with precision. Changes in assumptions could significantly affect the estimates.
	The following methods and assumptions were used to estimate the fair value of each class of financial instruments for which it is practicable to estimate that value:
	Fair Value Hierarchy
	The Company groups assets and liabilities at fair value in three levels, based on the markets in which the assets and liabilities are traded and the reliability of the assumptions used to determine fair value. These levels are:
		·	Level 1 – Valuation is based upon quoted prices for identical instruments traded in active markets.
		·	Level 2 – Valuation is based upon quoted prices for similar instruments in active markets, quoted prices for identical or similar instruments in markets that are not active and model-based valuation techniques for which all significant assumptions are observable in the market.
		·	Level 3 – Valuation is generated from model-based techniques that use at least one significant assumption not observable in the market. These unobservable assumptions reflect estimates of assumptions that market participants would use in pricing the asset or liability. Valuation techniques include use of option pricing models, discounted cash flow models and similar techniques.
	The following is a description of valuation methodologies used for assets and liabilities recorded at fair value on a recurring basis.
	Investment Securities Available-for-Sale (“AFS”)
	Investment securities available-for-sale are recorded at fair value on a recurring basis. Fair value measurement is based upon quoted prices, if available. If quoted prices are not available, fair values are measured using independent pricing models or other model-based valuation techniques such as the present value of future cash flows, adjusted for the security’s credit rating, prepayment assumptions and other factors such as credit loss assumptions. Level 1 securities include those traded on an active exchange, such as the New York Stock Exchange, U.S. Treasury securities that are traded by dealers or brokers in active over-the-counter markets and money market funds. Level 2 securities include U.S. government agencies, mortgage-backed securities issued by government sponsored entities, and municipal bonds. There have been no changes in valuation techniques for the nine months ended September 30, 2014. Valuation techniques are consistent with techniques used in prior periods.
	The following tables summarize quantitative disclosures about the fair value measurement for each category of assets carried at fair value on a recurring basis as of September 30, 2014 and December 31, 2013 (in thousands):
					Quoted Prices in		Significant
	Investment securities				Active Markets		Other		Significant
	available for sale				for Identical		Observable		Unobservable
	September 30, 2014		Fair value		Assets (Level 1)		Inputs (Level 2)		Inputs (Level 3)
	U.S. government agencies – GSE's		$	27,393	$	-	$	27,393	$	-
	Mortgage-backed securities - GSE’s			55,002		-		55,002		-
	Municipal bonds			21,042		-		21,042		-
	Total		$	103,437	$	-	$	103,437	$	-
					Quoted Prices in		Significant
	Investment securities				Active Markets		Other		Significant
	available for sale				for Identical		Observable		Unobservable
	December 31, 2013		Fair value		Assets (Level 1)		Inputs (Level 2)		Inputs (Level 3)
	U.S. government agencies – GSE's		$	34,665	$	-	$	34,665	$	-
	Mortgage-backed securities - GSE’s			41,065		-		41,065		-
	Municipal bonds			8,106		-		8,106		-
	Total		$	83,836	$	-	$	83,836	$	-
	The following is a description of valuation methodologies used for assets recorded at fair value on a non-recurring basis.
	Loans
	The Company does not record loans at fair value on a recurring basis. However, from time to time, a loan is considered impaired and an allowance for loan losses is established. Loans for which it is probable that payment of interest and principal will not be made in accordance with the contractual terms of the loan agreement are considered impaired. Once a loan is identified as individually impaired, management measures impairment in accordance with ASC 310, “Receivables”. The fair value of impaired loans is estimated using one of several methods, including collateral value, market value of similar debt, enterprise value, or liquidation value and discounted cash flows. Those impaired loans not requiring an allowance represent loans for which the fair value of the expected repayments or collateral exceed the recorded investments in such loans. At September 30, 2014 and December 31, 2013, substantially all of the total impaired loans were evaluated based on the fair value of the collateral. Impaired loans where an allowance is established based on the fair value of collateral require classification in the fair value hierarchy. When the fair value of the collateral is based on an observable market price or a current appraised value, the Company records the impaired loan as non-recurring Level 2. When an appraised value is not available or management determines the fair value of the collateral is further impaired below the appraised value and there is no observable market price, the Company records the impaired loan as non-recurring Level 3. The significant unobservable input used in the fair value measurement of the Company’s impaired loans is the discount applied to appraised values to account for expected liquidation and selling costs. At September 30, 2014, the discounts used are weighted between 5% and 50%. There were no transfers between levels from the prior reporting periods and there have been no changes in valuation techniques for the three months ended September 30, 2014.
	Foreclosed Real Estate
	Foreclosed real estate are properties recorded at the balance of the loan or an estimated fair value less estimated selling costs, whichever is less. Inputs include appraised values on the properties or recent sales activity for similar assets in the property’s market. Therefore, foreclosed real estate is classified within Level 3 of the hierarchy. The significant unobservable input used in the fair value measurement of the Company’s impaired loans is the discount applied to appraised values to account for expected liquidation and selling costs. At September 30, 2014, the discounts used ranged between 6% and 10%. There have been no changes in valuation techniques for the three months ended September 30, 2014.
	The following tables summarize quantitative disclosures about the fair value measurement for each category of assets carried at fair value on a non-recurring basis as of September 30, 2014 and December 31, 2013 (in thousands):
					Quoted Prices in		Significant
					Active Markets		Other		Significant
	Asset Category				for Identical		Observable		Unobservable
	September 30, 2014		Fair value		Assets (Level 1)		Inputs (Level 2)		Inputs (Level 3)
	Impaired loans		$	4,433	$	-	$	-	$	4,433
	Foreclosed real estate			1,687		-		-		1,687
	Total		$	6,120	$	-	$	-	$	6,120
	As of September 30, 2014, the Bank identified $13.9 million in impaired loans, of which $4.4 million were carried at fair value on a non-recurring basis which included $3.9 million in loans that required a specific reserve of $705,000, and an additional $1.3 million in other loans without specific reserves that had partial charge-offs.
					Quoted Prices in		Significant
					Active Markets		Other		Significant
	Asset Category				for Identical		Observable		Unobservable
	December 31, 2013		Fair value		Assets (Level 1)		Inputs (Level 2)		Inputs (Level 3)
	Impaired loans		$	8,477	$	-	$	-	$	8,477
	Foreclosed real estate			2,008		-		-		2,008
	Total		$	10,485	$	-	$	-	$	10,485
	As of December 31, 2013, the Bank identified $19.0 million in impaired loans, of which $9.9 million were carried at fair value on a non-recurring basis which included $7.4 million in loans that required a specific reserve of $1.1 million, and an additional $2.5 million in other loans without specific reserves that had charge-offs.
	The following table presents the carrying values and estimated fair values of the Company's financial instruments at September 30, 2014 and December 31, 2013:
			September 30, 2014
			Carrying		Estimated
			Amount		Fair Value		Level 1		Level 2		Level 3
			(In thousands)
	Financial assets:
	Cash and due from banks		$	33,641	$	33,641	$	33,641	$	-	$	-
	Interest-earning deposits in other banks			37,064		37,064		37,064		-		-
	Federal funds sold and Repurchase agreements			23,029		23,029		23,029		-		-
	Investment securities available for sale			103,437		103,437		-		103,437		-
	Loans, net			539,946		550,722		-		-		550,722
Accrued interest receivable			2,258		2,258		-		-		2,258
Stock in FHLB			1,626		1,626		-		-		1,626
Other non-marketable securities			1,021		1,021		-		-		1,021
Financial liabilities:
Deposits		$	644,093	$	646,867	$	-	$	646,867	$	-
Short term debt			18,077		18,077		-		18,077		-
Long term debt			26,049		26,049		-		26,049		-
Accrued interest payable			290		290		-		-		290
		December 31, 2013
		Carrying		Estimated
		Amount		Fair Value		Level 1		Level 2		Level 3
						(In thousands)
Financial assets:
Cash and due from banks		$	20,151	$	20,151	$	20,151	$	-	$	-
Interest-earning deposits in other banks			49,690		49,690		49,690		-		-
Federal funds sold			3,028		3,028		3,028		-		-
Investment securities available for sale			83,836		83,836		-		83,836		-
Loans, net			339,446		353,439		-		-		353,439
Accrued interest receivable			1,650		1,650		-		-		1,650
Stock in the FHLB			796		796		-		-		796
Other non-marketable securities			1,055		1,055		-		-		1,055
Financial liabilities:
Deposits		$	448,458	$	452,529	$	-	$	452,529	$	-
Short-term debt			6,305		6,305		-		6,305		-
Long-term debt			12,372		7,517		-		7,517		-
Accrued interest payable			225		225		-		-		225
Cash and Due from Banks, Interest-Earning Deposits in Other Banks and Federal Funds Sold
The carrying amounts for cash and due from banks, interest-earning deposits in other banks and federal funds sold approximate fair value because of the short maturities of those instruments.
Investment Securities Available for Sale
Fair value for investment securities available for sale equals quoted market price if such information is available. If a quoted market price is not available, fair value is estimated using prices quoted for similar investments or quoted market prices obtained from independent pricing services.
Loans
The fair value of loans is estimated by discounting the future cash flows using the current rates at which similar loans would be made to borrowers with similar credit ratings and for the same remaining maturities. However, the values likely do not represent exit prices due to distressed market conditions.
Stock in Federal Home Loan Bank of Atlanta and Other Non-marketable Securities
The fair value for FHLB stock approximates carrying value, based on the redemption provisions of the FHLB stock. The fair value of stock in other non-marketable securities is assumed to approximate carrying value.
Deposits
The fair value of demand deposits is the amount payable on demand at the reporting date. The fair values of time deposits are estimated using the rates currently offered for instruments of similar remaining maturities.
Short-term Debt
The fair values of short-term debt (sweep accounts that re-price daily) are based on discounting expected cash flows at the interest rate for debt with the same or similar remaining maturities and collateral requirements.
Long-term Debt
The fair values of long-term debt are based on discounting expected cash flows at the interest rate for debt with the same or similar remaining maturities and collateral requirements.
Accrued Interest Receivable and Accrued Interest Payable
The carrying amounts of accrued interest receivable and payable approximate fair value because of the short maturities of these instruments.
Financial Instruments with Off-Balance Sheet Risk
With regard to financial instruments with off-balance sheet risk, it is not practicable to estimate the fair value of future financing commitments.

INVESTMENT_SECURITIES

INVESTMENT SECURITIES	9 Months Ended
	Sep. 30, 2014
Investments, Debt and Equity Securities [Abstract]	'
Investments in Debt and Marketable Equity Securities (and Certain Trading Assets) Disclosure [Text Block]	'
	NOTE F - INVESTMENT SECURITIES
	The amortized cost and fair value of securities available for sale, with gross unrealized gains and losses, follow:
		September 30, 2014
				Gross		Gross
		Amortized		unrealized		unrealized		Fair
		cost		gains		losses		value
				(In thousands)
	Securities available for sale:
	U.S. government agencies-GSE’s
	Within 1 year	$	8,619	$	20	$	-	$	8,639
	After 1 year but within 5 years		1,978		3		-1		1,980
	After 5 years but within 10 years		12,576		28		-326		12,278
	After 10 years		4,562		-		-66		4,496
	Mortgage-backed securities-GSE’s
	Within 1 year		29		2		-		31
	After 1 year but within 5 years		35,282		828		-86		36,024
	After 5 years but within 10 years		16,017		67		-108		15,976
	After 10 years		2,964		9		-2		2,971
	Municipal bonds
	Within 1 year		576		6		-		582
	After 1 year but within 5 years		3,798		191		-		3,989
	After 5 years but within 10 years		6,324		186		-2		6,508
	After 10 years		9,732		242		-11		9,963
		$	102,457	$	1,582	$	-602	$	103,437
	As of September 30, 2014, accumulated other comprehensive income included net unrealized gains totaling $980,000. Deferred tax liabilities resulting from these unrealized gains totaled $258,000.
		December 31, 2013
				Gross		Gross
		Amortized		unrealized		unrealized		Fair
		cost		gains		losses		value
				(In thousands)
	Securities available for sale:
	U.S. government agencies-GSE’s
	Within 1 year	$	10,520	$	25	$	-	$	10,545
	After 1 year but within 5 years		8,820		17		-10		8,827
	After 5 years but within 10 years		7,376		-		-549		6,827
	After 10 years		8,524		11		-69		8,466
	Mortgage-backed securities-GSE’s
	Within 1 year		133		7		-		140
	After 1 year but within 5 years		35,352		659		-155		35,856
	After 5 years but within 10 years		5,316		-		-247		5,069
	Municipal bonds
	Within 1 year		100		1		-		101
	After 1 year but within 5 years		3,036		196		-		3,232
	After 5 years but within 10 years		3,306		30		-112		3,224
	After 10 years		1,526		54		-31		1,549
		$	84,009	$	1,000	$	-1,173	$	83,836
	As of December 31, 2013, accumulated other comprehensive loss included net unrealized losses totaling $173,000. Deferred tax assets resulting from these unrealized losses totaled $65,000.
	The following tables show investments’ gross unrealized losses and fair value, aggregated by investment category and length of time that the individual securities have been in a continuous unrealized loss position, at September 30, 2014 and December 31, 2013.
		September 30, 2014
		Less Than 12 Months				12 Months or More				Total
		Fair		Unrealized		Fair		Unrealized		Fair		Unrealized
		value		Losses		value		losses		value		losses
		(In thousands)
	Securities available for sale:
	U.S. government agencies- GSE’s	$	736	$	-1	$	12,701	$	-392	$	13,437	$	-393
	Mortgage-backed securities- GSE’s		10,832		-81		4,701		-115		15,533		-196
	Municipal bonds		861		-11		112		-2		973		-13
	Total temporarily impaired securities	$	12,429	$	-93	$	17,514	$	-509	$	29,943	$	-602
	At September 30, 2014, the Company had thirteen AFS securities with an unrealized loss for twelve or more consecutive months. Eight U.S. government agency GSE’s, four mortgage-backed GSE’s, and one municipal bond had unrealized losses for more than twelve months totaling $509,000 at September 30, 2014. One U.S. government agency GSE, seven mortgage-backed GSE’s, and two municipal bonds had unrealized losses for less than twelve months totaling $93,000 at September 30, 2014. All unrealized losses are attributable to the general trend of interest rates.
		December 31, 2013
		Less Than 12 Months				12 Months or More				Total
		Fair		Unrealized		Fair		Unrealized		Fair		Unrealized
		value		losses		value		losses		value		losses
	(dollars in thousands)
Securities available for sale:
U.S. government agencies – GSE’s	$	11,908	$	-239	$	3,611	$	-389	$	15,519	$	-628
Mortgage-backed securities- GSE’s		21,762		-312		1,777		-90		23,539		-402
Municipal bonds		2,719		-143		-		-		2,719		-143
Total temporarily impaired securities	$	36,389	$	-694	$	5,388	$	-479	$	41,777	$	-1,173
At December 31, 2013, the Company had three AFS securities with an unrealized loss for twelve or more consecutive months. Two U.S. government agency GSE’s and one mortgage-backed GSE had unrealized losses for more than twelve months totaling $479,000 at December 31, 2013. Eight U.S. government agency GSE’s, nineteen mortgage-backed GSE’s, and three municipal bonds had unrealized losses for less than twelve months totaling $694,000 at December 31, 2013. All unrealized losses are attributable to the general trend of interest rates.

LOANS

LOANS	9 Months Ended
	Sep. 30, 2014
Loans and Leases Receivable Disclosure [Abstract]	'
Loans, Notes, Trade and Other Receivables Disclosure [Text Block]	'
	NOTE G - LOANS
	Following is a summary of the composition of the Company’s loan portfolio at September 30, 2014 and December 31, 2013:
			September 30,						December 31,
	Total Loans:		2014						2013
							Percent						Percent
			Amount				of total		Amount				of total
					(Dollars in thousands)
	Real estate loans:
	1 to 4 family residential		$	91,905			16.82	%	$	35,006			10.1	%
	Commercial real estate			236,672			43.31	%		169,176			48.82	%
	Multi-family residential			41,915			7.67	%		19,739			5.7	%
	Construction			79,382			14.52	%		53,325			15.39	%
	Home equity lines of credit (“HELOC”)			37,758			6.91	%		31,863			9.2	%
	Total real estate loans			487,632			89.23	%		309,109			89.21	%
	Other loans:
	Commercial and industrial			52,409			9.59	%		29,166			8.42	%
	Loans to individuals			6,925			1.27	%		8,584			2.48	%
	Overdrafts			92			0.02	%		191			0.05	%
	Total other loans			59,426			10.88	%		37,941			10.95	%
	Gross loans			547,058			347,050
	Less deferred loan origination fees, net			-583			-0.11	%		-550			-0.16	%
	Total loans			546,475			100	%		346,500			100	%
	Allowance for loan losses			-6,529						-7,054
	Total loans, net		$	539,946					$	339,446
			September 30,
	PCI Loans:		2014
							Percent
			Amount				of total
			(Dollars in thousands)
	Real estate loans:
	1 to 4 family residential		$	10,373			37.42	%
	Commercial real estate			12,072			43.54	%
	Multi-family residential			2,750			9.92	%
	Construction			1,478			5.33	%
	Home equity lines of credit (“HELOC”)			187			0.67	%
	Total real estate loans			26,860			96.88	%
	Other loans:
	Commercial and industrial			703			2.54	%
	Loans to individuals			161			0.58	%
	Total other loans			864			3.12	%
	Gross loans			27,724
	Less deferred loan origination fees, net			-			-	%
	Total loans			27,724			100	%
	Allowance for loan losses			-
	Total loans, net		$	27,724
			September 30,						December 31,
	Loans – excluding PCI:		2014						2013
							Percent						Percent
			Amount				of total		Amount				of total
			(Dollars in thousands)
	Real estate loans:
	1 to 4 family residential		$	81,532			15.72	%	$	35,006			10.1	%
	Commercial real estate			224,600			43.29	%		169,176			48.82	%
	Multi-family residential			39,165			7.55	%		19,739			5.7	%
	Construction			77,904			15.02	%		53,325			15.39	%
	Home equity lines of credit (“HELOC”)			37,571			7.24	%		31,863			9.2	%
	Total real estate loans			460,772			88.82	%		309,109			89.21	%
	Other loans:
	Commercial and industrial			51,706			9.97	%		29,166			8.42	%
	Loans to individuals			6,764			1.3	%		8,584			2.48	%
	Overdrafts			92			0.02	%		191			0.05	%
	Total other loans			58,562			11.29	%		37,941			10.95	%
	Gross loans			519,334			347,050
Less deferred loan origination fees, net			-583			-0.11	%		-550			-0.16	%
Total loans			518,751			100	%		346,500			100	%
Allowance for loan losses			-6,529						-7,054
Total loans, net		$	512,222					$	339,446
Loans are primarily made in eastern North Carolina. Real estate loans can be affected by the condition of the local real estate market and by local economic conditions.
At September 30, 2014, the Company had pre-approved but unused lines of credit for customers totaling $127.4 million. In management’s opinion, these commitments, and undisbursed proceeds on loans reflected above, represent no more than normal lending risk to the Company and will be funded from normal sources of liquidity.
A description of the various loan products provided by the Bank is presented below.
1-to-4 Family Residential Loans
Residential 1-to-4 family loans are mortgage loans secured by residential real estate within the Bank’s market areas. These loans may also include loans that convert from construction loans into permanent financing and are secured by properties within the Bank’s market areas.
Commercial Real Estate Loans
Commercial real estate loans are underwritten based on the borrower’s ability to generate adequate cash flow to repay the subject debt within reasonable terms. Commercial real estate loans typically include both owner and non-owner occupied properties with higher principal loan amounts and the repayment of these loans is generally dependent on the successful management of the property. Commercial real estate loans are sensitive to market and general economic conditions. Repayment analysis must be performed and consists of an identified primary/cash flow source of repayment and a secondary/liquidation source of repayment. The primary source of repayment is cash flow from income generated from rental or lease of the property. However, the cash flow can be supplemented with the borrower's and guarantor's global cash flow position. Other credit issues such as the business fundamentals and financial strength of the borrower/guarantor can be considered in determining adequacy of repayment ability. The secondary source of repayment is liquidation of the collateral, supplemented by a liquidation cushion provided by the financial assets of the borrower/guarantor. Management monitors and evaluates commercial real estate loans based on collateral, market area, and risk grade.
Multi-family Residential Loans
Multi-family residential loans are typically non-farm properties with 5 or more dwelling units in structures which include apartment buildings used primarily to accommodate households on a more or less permanent basis. Successful performance of these types of loans is primarily dependent on occupancy rates, rental rates, and property management.
Construction Loans
Construction loans are non-revolving extensions of credit secured by real property of which the proceeds are used to acquire and develop land and to construct commercial or residential buildings. The primary source of repayment for these types of loans is the sale of the improved property or permanent financing in which case the property is expected to generate the cash flow necessary for repayment on a permanent loan basis. Property cash flow may be supplemented with financial support from the borrowers/guarantors. Proper underwriting of a construction loan consists of the initial process of obtaining, analyzing, and approving various aspects of information pertaining to: the analysis of the permanent financing source, creditworthiness of the borrower and guarantors, ability of contractor to perform under the terms of the contract, and the feasibility, marketability, and valuation of the project.
Also, much consideration needs to be given to the cost of the project and sources of funds needed to complete construction as well as identifying any sources of equity funding. Construction loans are traditionally considered to be higher risk loans involving technical and legal requirements inherently different from other types of loans; however with thorough credit underwriting, proper loan structure, and diligent loan servicing, these risks can often be mitigated. Some examples of risks inherent in this type of lending include: underestimated costs, inflation of material and labor costs, site difficulties (i.e. rock, soil), project not built to plans, weather delays and natural disasters, borrower/contractor/subcontractor disputes which prompt liens, and interest rates increasing beyond budget.
Home Equity Lines of Credit
Home equity lines of credit are consumer-purpose revolving extensions of credit which are secured by first or second liens on owner-occupied residential real estate. Appropriate risk management and compliance practices are exercised to ensure that loan-to-value, lien perfection, and compliance risks are addressed and managed within the Bank’s established guidelines. The degree of utilization of revolving commitments within this loan segment is reviewed periodically to identify changes in the behavior of this borrowing group.
Commercial and Industrial Loans
Commercial and industrial loans are underwritten after evaluating and understanding the borrower’s ability to generate positive cash flow, operate profitably and prudently expand its business. Underwriting standards are designed to promote relationships to include a full range of loan, deposit, and cash management services. Commercial and industrial loans are primarily made based on the identified cash flows of the borrower and secondarily on the underlying collateral provided by the borrower and the guarantors. The cash flows of the borrower, however, may not be as expected and the collateral securing these loans may fluctuate in value. In the case of loans secured by accounts receivable, the availability of funds for repayment can be impacted by the borrower’s ability to collect amounts due from its customers.
Loans to Individuals & Overdrafts
Consumer loans are approved using Bank policies and procedures established to evaluate each credit request. All lending decisions and credit risks are required to be clearly documented. Several factors are considered in making these decisions such as credit score, adjusted net worth, liquidity, debt ratio, disposable income, credit history, and loan-to-value of the collateral. This process, combined with the relatively smaller loan amounts spreads the risk among many individual borrowers.  Overdrafts on customer accounts are classified as loans for reporting purposes.
The following tables present an age analysis of past due loans, segregated by class of loans as of September 30, 2014 and December 31, 2013, respectively:
Total Loans:		September 30, 2014
		30+			Non-			Total
		Days			Accrual			Past						Total
		Past Due			Loans			Due			Current			Loans
		(In thousands)
Commercial and industrial		$	138		$	265		$	403		$	52,006		$	52,409
Construction			-			821			821			78,561			79,382
Multi-family residential			888			948			1,836			40,079			41,915
Commercial real estate			180			3,010			3,190			233,482			236,672
Loans to individuals & overdrafts			11			21			32			6,985			7,017
1-to-4 family residential			644			1,305			1,949			89,956			91,905
HELOC			97			893			990			36,768			37,758
Deferred loan (fees) cost, net			-			-			-			-			-583
		$	1,958		$	7,263		$	9,221		$	537,837		$	546,475
Total PCI Loans:		September 30, 2014
		30+			Non-			Total
		Days			Accrual			Past						Total
		Past Due			Loans			Due			Current			Loans
		(In thousands)
Commercial and industrial		$	-		$	-		$	-		$	703		$	703
Construction			-			-			-			1,478			1,478
Multi-family residential			159			-			159			2,591			2,750
Commercial real estate			-			-			-			12,072			12,072
Loans to individuals & overdrafts			-			-			-			161			161
1-to-4 family residential			158			-			158			10,215			10,373
HELOC			-			-			-			187			187
		$	317		$	-		$	317		$	27,407		$	27,724
Total Loans (excluding PCI):		September 30, 2014
		30+			Non-			Total
		Days			Accrual			Past						Total
		Past Due			Loans			Due			Current			Loans
		(In thousands)
Commercial and industrial		$	138		$	265		$	403		$	51,303		$	51,706
Construction			-			821			821			77,083			77,904
Multi-family residential			729			948			1,677			37,488			39,165
Commercial real estate			180			3,010			3,190			221,410			224,600
Loans to individuals & overdrafts			11			21			32			6,824			6,856
1-to-4 family residential			486			1,305			1,791			79,741			81,532
HELOC			97			893			990			36,581			37,571
Deferred loan (fees) cost, net			-			-			-			-			-583
		$	1,641		$	7,263		$	8,904		$	510,430		$	518,751
There were no loans that were more than 90 days past due and still accruing interest at September 30, 2014.
		December 31, 2013
		30+			Non-			Total
		Days			Accrual			Past						Total
		Past Due			Loans			Due			Current			Loans
		(In thousands)
Commercial and industrial		$	70		$	330		$	400		$	28,766		$	29,166
Construction			36			1,206			1,242			52,083			53,325
Multi-family residential			-			1,004			1,004			18,735			19,739
Commercial real estate			446			4,441			4,887			164,289			169,176
Loans to individuals & overdrafts			4			5			9			8,766			8,775
1 to 4 family residential			318			1,092			1,410			33,596			35,006
HELOC			-			1,241			1,241			30,622			31,863
Deferred loan (fees) cost, net			-			-			-			-			-550
		$	874		$	9,319		$	10,193		$	336,857		$	346,500
There were no loans greater than 90 days past due and still accruing interest at December 31, 2013.
Impaired Loans
The following tables present information on loans that were considered to be impaired as of September 30, 2014 and December 31, 2013:
											Three months ended						Nine months ended
		As of September 30, 2014									September 30, 2014						September 30, 2014
					Contractual									Interest Income					Interest Income
					Unpaid						Average			Recognized on			Average		Recognized on
		Recorded			Principal			Related			Recorded			Impaired			Recorded		Impaired
		Investment			Balance			Allowance			Investment			Loans			Investment		Loans
		(In thousands)
With no related allowance recorded:
Commercial and industrial		$	116		$	116		$	-		$	119		$	3		$	156	$	8
Construction			1,407			1,627			-			1,520			21			1,733		64
Commercial real estate			2,951			4,103			-			3,111			35			3,479		143
Loans to individuals & overdrafts			1			4			-			1			-			2		-
Multi-family residential			2,290			2,570			-			2,311			25			2,337		100
1 to 4 family residential			2,630			3,068			-			2,505			48			3,092		120
HELOC			650			771			-			654			7			708		28
Subtotal:			10,045			12,259			-			10,221			139			11,507		463
With an allowance recorded:
Commercial and industrial			265			266			66			265			-			266		-
Construction			168			168			81			168			-			248		-
Commercial real estate			2,815			3,537			455			2,765			16			4,255		59
Loans to individuals & overdrafts			20			20			20			20			-			11		-
Multi-family residential			-			-			-			-			-			-		-
1 to 4 family residential			314			319			29			442			-			434		11
HELOC			314			556			54			357			-			433		8
Subtotal:			3,896			4,866			705			4,017			16			5,647		78
Totals:
Commercial			10,012			12,387			602			10,259			100			12,474		374
Consumer			21			24			20			21			-			13		-
Residential			3,908			4,714			83			3,958			55			4,667		167
Grand Total:		$	13,941		$	17,125		$	705		$	14,238		$	155		$	17,154	$	541
Impaired loans at September 30, 2014 were approximately $13.9 million and were composed of $7.3 million in nonaccrual loans and $6.6 million in loans that were still accruing interest. Recorded investment represents the current principal balance of the loan. Approximately $3.9 million in impaired loans had specific allowances provided for them while the remaining $10.0 million had no specific allowances recorded at September 30, 2014. Of the $10.0 million with no allowance recorded, $1.3 million of those loans have had partial charge-offs recorded.
											Three months ended						Nine months ended
		As of December 31, 2013									September 30, 2013						September 30, 2013
					Contractual									Interest Income					Interest Income
					Unpaid			Related			Average			Recognized on			Average		Recognized on
		Recorded			Principal			Allowance			Recorded			Impaired			Recorded		Impaired
		Investment			Balance			for Loan Losses			Investment			Loans			Investment		Loans
		(In thousands)
With no related allowance recorded:
Commercial and industrial		$	196		$	257		$	-		$	644		$	27		$	543	$	31
Construction			2,059			2,311			-			1,787			5			2,006		8
Commercial real estate			3,748			4,971			-			5,494			-			5,297		-
Loans to individuals & overdrafts			3			3			-			1			-			2		-
Multi-family residential			2,384			2,384			-			2,401			-			1,915		-
1 to 4 family residential			2,427			2,731			-			2,955			100			2,877		133
HELOC			767			854			-			629			3			552		4
Subtotal:			11,584			13,511			-			13,911			135			13,192		176
With an allowance recorded:
Commercial and industrial			267			267			63			7			-			60		-
Construction			328			406			91			580			10			451		12
Commercial real estate			5,695			5,695			541			3,850			143			4,527		202
Loans to individuals & overdrafts			2			2			-			12			-			17		-
Multi-family residential			-			-			-			-			-			10		-
1 to 4 family residential			553			553			88			1,146			1			967		8
HELOC			553			553			320			352			3			254		3
Subtotal:			7,398			7,476			1,103			5,947			157			6,286		225
Totals:
Commercial			14,677			16,291			695			14,763			185			14,809		253
Consumer			5			5			-			13			-			19		-
Residential			4,300			4,691			408			5,082			107			4,650		148
Grand Total:		$	18,982		$	20,987		$	1,103		$	19,858		$	292		$	19,478	$	401
Impaired loans at December 31, 2013 were approximately $19.0 million and were composed of $9.3 million in non-accrual loans and $9.7 million in loans still in accruing status. Recorded investment represents the current principal balance for the loan, fees, and accrued interest. Approximately, $7.4 million of the $19.0 million in impaired loans at December 31, 2013 had specific allowances provided while the remaining $11.6 million had no specific allowances recorded. Of the $11.6 million with no allowance recorded, $2.1 million of those loans have had partial charge-offs recorded.
Loans are placed on non-accrual status when it has been determined that all contractual principal and interest will not be received. Any payments received on these loans are applied to principal first and then to interest only after all principal has been collected. In the case of an impaired loan that is still on accrual basis, payments are applied to both principal and interest.
Troubled Debt Restructurings
The following table presents loans that were modified as troubled debt restructurings (“TDRs”) with a breakdown of the types of concessions made by loan class during the three and nine months ended September 30, 2014 and 2013:
		Three months ended September 30, 2014								Nine months ended September 30, 2014
				Pre-			Post-					Pre-			Post-
				Modification			Modification					Modification			Modification
				Outstanding			Outstanding					Outstanding			Outstanding
		Number		Recorded			Recorded			Number		Recorded			Recorded
		of loans		Investment			Investment			of loans		Investment			Investment
		(Dollars in thousands)
Below market interest rate:
Commercial and industrial		-		$	-		$	-		-		$	-		$	-
Construction		-			-			-		-			-			-
Commercial real estate		-			-			-		-			-			-
Loans to individuals & overdrafts		-			-			-		-			-			-
1-to-4 family residential		-			-			-		1			22			20
Multi-family residential		-			-			-		-			-			-
HELOC		-			-			-		-			-			-
Total		-			-			-		1			22			20
Extended payment terms:
Commercial and industrial		-			-			-		-			-			-
Construction		-			-			-		-			-			-
Commercial real estate		-			-			-		1			947			942
Loans to individuals & overdrafts		-			-			-		-			-			-
1-to-4 family residential		-			-			-		1			46			41
Multi-family residential		-			-			-		-			-			-
HELOC		-			-			-		-			-			-
Total		-			-			-		2			993			983
Other:
Commercial and industrial		-			-			-		-			-			-
Construction		-			-			-		-			-			-
Commercial real estate		-			-			-		-			-			-
Loans to individuals & overdrafts		-			-			-		-			-			-
1-to-4 family residential		-			-			-		-			-			-
Multi-family residential		-			-			-		-			-			-
HELOC		-			-			-		-			-			-
Total		-			-			-		-			-			-
Total		-		$	-		$	-		3		$	1,015		$	1,003
		Three months ended September 30, 2013								Nine months ended September 30, 2013
				Pre-			Post-					Pre-			Post-
				Modification			Modification					Modification			Modification
				Outstanding			Outstanding					Outstanding			Outstanding
		Number		Recorded			Recorded			Number		Recorded			Recorded
		of loans		Investment			Investment			of loans		Investment			Investment
		(Dollars in thousands)
Below market interest rate:
Commercial and industrial		-		$	-		$	-		-		$	-		$	-
Construction		-			-			-		-			-			-
Commercial real estate		-			-			-		-			-			-
Loans to individuals & overdrafts		-			-			-		-			-			-
1-to-4 family residential		3			276			275		3			276			275
Multi-family residential		-			-			-		-			-			-
HELOC		-			-			-		-			-			-
Total		3			276			275		3			276			275
Extended payment terms:
Commercial and industrial		-			-			-		4			537			522
Construction		-			-			-		2			134			133
Commercial real estate		-			-			-		1			645			645
Loans to individuals & overdrafts		-			-			-		-			-			-
1-to-4 family residential		2			945			933		4			1,084			1,071
Multi-family residential		-			-			-		-			-			-
HELOC		-			-			-		-			-			-
Total		2			945			933		11			2,400			2,371
Other:
Commercial and industrial		-			-			-		-			-			-
Construction		1			69			68		1			69			68
Commercial real estate		-			-			-		2			2,454			2,433
Loans to individuals & overdrafts		-			-			-		-			-			-
1-to-4 family residential		-			-			-		2			135			130
Multi-family residential		-			-			-		-			-			-
HELOC		-			-			-		-			-			-
Total		1			69			68		5			2,658			2,631
Total		6		$	1,290		$	1,276		19		$	5,334		$	5,277
As noted in the tables above, there were loans that were considered troubled debt restructurings for reasons other than below market interest rates, extended payment terms or forgiveness of principal. Loans in the “Other” category are those that were renewed at terms that vary from those that the Bank would enter into for new loans of the same type.
The following table presents loans that were modified as TDRs within the past twelve months with a breakdown of the types for which there was a payment default together with concessions made by loan class during the three and nine month periods ended September 30, 2014 and 2013:
		Three months ended					Nine months ended
		September 30, 2014					September 30, 2014
		Number		Recorded			Number		Recorded
		of loans		investment			of loans		investment
		(Dollars in thousands)
Below market interest rate:
Commercial and industrial		-		$	-		-		$	-
Construction		-			-		-			-
Commercial real estate		-			-		-			-
Loans to individuals & overdrafts		-			-		-			-
1-to-4 family residential		-			-		1			21
Multi-family residential		-			-		-			-
HELOC		-			-		-			-
Total		-			-		1			21
Extended payment terms:
Commercial and industrial		-			-		-			-
Construction		-			-		-			-
Commercial real estate		-			-		1			947
Loans to individuals & overdrafts		-			-		-			-
1-to-4 family residential		-			-		-			-
Multi-family residential		-			-		-			-
HELOC		-			-		-			-
Total		-			-		1			947
Forgiveness of principal:
Commercial and industrial		-			-		-			-
Construction		-			-		-			-
Commercial real estate		-			-		-			-
Loans to individuals & overdrafts		-			-		-			-
1-to-4 family residential		-			-		-			-
Multi-family residential		-			-		-			-
HELOC		-			-		-			-
Total		-			-		-			-
Other:
Commercial and industrial		-			-		-			-
Construction		-			-		-			-
Commercial real estate		-			-		-			-
Loans to individuals & overdrafts		-			-		-			-
1-to-4 family residential		-			-		-			-
Multi-family residential		-			-		-			-
HELOC		-			-		-			-
Total		-			-		-			-
Total		-		$	-		2		$	968
		Three months ended					Nine months ended
		September 30, 2013					September 30, 2013
		Number		Recorded			Number		Recorded
		of loans		investment			of loans		investment
		(Dollars in thousands)
Below market interest rate:
Commercial and industrial		-		$	-		-		$	-
Construction		-			-		-			-
Commercial real estate		-			-		-			-
Loans to individuals & overdrafts		-			-		-			-
1-to-4 family residential		-			-		-			-
Multi-family residential		-			-		-			-
HELOC		-			-		-			-
Total		-			-		-			-
Extended payment terms:
Commercial and industrial		-			-		2			156
Construction		-			-		2			132
Commercial real estate		-			-		-			-
Loans to individuals & overdrafts		-			-		-			-
1-to-4 family residential		-			-		1			47
Multi-family residential		-			-		-			-
HELOC		-			-		-			-
Total		-			-		5			335
Forgiveness of principal:
Commercial and industrial		-			-		-			-
Construction		-			-		-			-
Commercial real estate		-			-		-			-
Loans to individuals & overdrafts		-			-		-			-
1-to-4 family residential		-			-		-			-
Multi-family residential		-			-		-			-
HELOC		-			-		-			-
Total		-			-		-			-
Other:
Commercial and industrial		-			-		-			-
Construction		-			-		-			-
Commercial real estate		-			-		1			161
Loans to individuals & overdrafts		-			-		-			-
1-to-4 family residential		-			-		-			-
Multi-family residential		-			-		-			-
HELOC		-			-		-			-
Total		-			-		1			161
Total		-		$	-		6		$	496
At September 30, 2014, the Bank had forty-two loans with an aggregate balance of $7.9 million that were considered to be troubled debt restructurings. Of those TDRs, twenty-five loans with a balance totaling $5.1 million were still accruing as of September 30, 2014. The remaining TDRs with balances totaling $2.8 million as of September 30, 2014 were in non-accrual status.
At September 30, 2013, the Bank had forty-six loans with a total balance of $10.6 million that were considered to be troubled debt restructurings. Of those TDRs, thirty-one loans with balances totaling $9.3 million were still accruing as of September 30, 2013. The remaining TDRs with balances totaling $1.3 million as of September 30, 2013 were in non-accrual status.
Credit Quality Indicators
As part of the on-going monitoring of the credit quality of the loan portfolio, management utilizes a risk grading matrix to assign a risk grade to each of the Company’s loans. All non-consumer loans are graded on a scale of 1 to 9. A description of the general characteristics of these nine different risk grades is as follows:
	·	Risk Grade 1 (Superior) - Credits in this category are virtually risk-free and are well-collateralized by cash-equivalent instruments. The repayment program is well-defined and achievable. Repayment sources are numerous. No material documentation deficiencies or exceptions exist.
	·	Risk Grade 2 (Very Good) - This grade is reserved for loans secured by readily marketable collateral, or loans within guidelines to borrowers with liquid financial statements. A liquid financial statement is a financial statement with substantial liquid assets relative to debts. These loans have excellent sources of repayment, with no significant identifiable risk of collection, and conform in all respects to Bank policy, guidelines, underwriting standards, and Federal and State regulations (no exceptions of any kind).
	·	Risk Grade 3 (Good) - These loans have excellent sources of repayment, with no significant identifiable risk of collection. Generally, loans assigned this risk grade will demonstrate the following characteristics: Conformity in all respects with Bank policy, guidelines, underwriting standards, and Federal and State regulations (no exceptions of any kind). Loans assigned this risk grade will demonstrate the following characteristics:
	o	Documented historical cash flow that meets or exceeds required minimum Bank guidelines, or that can be supplemented with verifiable cash flow from other sources.
	o	Adequate secondary sources to liquidate the debt, including combinations of liquidity, liquidation of collateral, or liquidation value to the net worth of the borrower or guarantor.
	·	Risk Grade 4 (Acceptable) - This grade is given to acceptable loans. These loans have adequate sources of repayment, with little identifiable risk of collection. Loans assigned this risk grade will demonstrate the following characteristics:
	o	General conformity to the Bank's policy requirements, product guidelines and underwriting standards, with limited exceptions. Any exceptions that are identified during the underwriting and approval process have been adequately mitigated by other factors.
	o	Documented historical cash flow that meets or exceeds required minimum Bank guidelines, or that can be supplemented with verifiable cash flow from other sources.
	o	Adequate secondary sources to liquidate the debt, including combinations of liquidity, liquidation of collateral, or liquidation value to the net worth of the borrower or guarantor
Credit Quality Indicators
	·	Risk Grade 5 (Acceptable With Care) - This grade is given to acceptable loans that show signs of weakness in either adequate sources of repayment or collateral, but have demonstrated mitigating factors that minimize the risk of delinquency or loss.  Loans assigned this grade may demonstrate some or all of the following characteristics:
	o	Additional exceptions to the Bank's policy requirements, product guidelines or underwriting standards that present a higher degree of risk to the Bank.  Although the combination and/or severity of identified exceptions is greater, all exceptions have been properly mitigated by other factors.
	o	Unproven, insufficient or marginal primary sources of repayment that appear sufficient to service the debt at this time.  Repayment weaknesses may be due to minor operational issues, financial trends, or reliance on projected (not historic) performance.
	o	Marginal or unproven secondary sources to liquidate the debt, including combinations of liquidation of collateral and liquidation value to the net worth of the borrower or guarantor.
	·	Risk Grade 6 (Watch List or Special Mention) – Loans in this category can have the following characteristics:
	o	Loans with underwriting guideline tolerances and/or exceptions and with no mitigating factors.
	o	Extending loans that are currently performing satisfactorily but with potential weaknesses that may, if not corrected, weaken the asset or inadequately protect the Bank's position at some future date. Potential weaknesses are the result of deviations from prudent lending practices.
	o	Loans where adverse economic conditions that develop subsequent to the loan origination that don't jeopardize liquidation of the debt but do substantially increase the level of risk may also warrant this rating.
	·	Risk Grade 7 (Substandard) - A Substandard loan is inadequately protected by the current sound net worth and paying capacity of the obligor or of the collateral pledged, if any. Loans classified as Substandard must have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt; they are characterized by the distinct possibility that the institution will sustain some loss if the deficiencies are not corrected. Loans consistently not meeting the repayment schedule should be downgraded to substandard. Loans in this category are characterized by deterioration in quality exhibited by any number of well-defined weaknesses requiring corrective action.
	·	Risk Grade 8 (Doubtful) - Loans classified Doubtful have all the weaknesses inherent in loans classified Substandard, plus the added characteristic that the weaknesses make collection or liquidation in full on the basis of currently existing facts, conditions, and values highly questionable and improbable. However, these loans are not yet rated as loss because certain events may occur which would salvage the debt.
	·	Risk Grade 9 (Loss) - Loans classified as Loss are considered uncollectable and of such little value that their continuance as bankable assets is not warranted. This classification does not mean that the asset has absolutely no recovery or salvage value, but rather that it is not practical or desirable to defer writing off the loan even though partial recovery may be affected in the future.
Consumer loans are graded on a scale of 1 to 9. A description of the general characteristics of the nine risk grades is as follows:
	·	Risk Grades 1 – 5 (Pass) – The loans in this category range from loans secured by cash with no risk of principal deterioration (Risk Grade 1) to loans that show signs of weakness in either adequate sources of repayment or collateral but have demonstrated mitigating factors that minimize the risk of delinquency or loss (Risk Grade 5).
	·	Risk Grade 6 (Watch List or Special Mention) - Watch List or Special Mention loans include the following characteristics:
	o	Loans within guideline tolerances or with exceptions of any kind that have not been mitigated by other economic or credit factors.
	o	Extending loans that are currently performing satisfactorily but with potential weaknesses that may, if not corrected, weaken the asset or inadequately protect the Bank's position at some future date. Potential weaknesses are the result of deviations from prudent lending practices.
	o	Loans where adverse economic conditions that develop subsequent to the loan origination that don't jeopardize liquidation of the debt but do substantially increase the level of risk may also warrant this rating.
	·	Risk Grade 7 (Substandard) - A Substandard loan is inadequately protected by the current sound net worth and paying capacity of the obligor or of the collateral pledged, if any. Loans classified as Substandard must have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt; they are characterized by the distinct possibility that the institution will sustain some loss if the deficiencies are not corrected.
	·	Risk Grade 8 (Doubtful) - Loans classified Doubtful have all the weaknesses inherent in loans classified Substandard, plus the added characteristic that the weaknesses make collection or liquidation in full on the basis of currently existing facts, conditions, and values highly questionable and improbable. However, these loans are not yet rated as loss because certain events may occur which would salvage the debt.
	·	Risk Grade 9 (Loss) - Loans classified Loss are considered uncollectable and of such little value that their continuance as bankable assets is not warranted. This classification does not mean that the asset has absolutely no recovery or salvage value, but rather that it is not practical or desirable to defer writing off this worthless loan even though partial recovery may be affected in the future.
The following tables present information on risk ratings of the commercial and consumer loan portfolios, segregated by loan class as of September 30, 2014 and December 31, 2013, respectively:
Total loans:
September 30, 2014
Commercial
Credit
Exposure By		Commercial						Commercial
Internally		and						real			Multi-family
Assigned Grade		industrial			Construction			estate			residential
(In thousands)
Superior		$	1,352		$	-		$	-		$	-
Very good			991			-			-			3,600
Good			3,533			2,523			15,611			3,957
Acceptable			28,138			12,434			132,635			23,283
Acceptable with care			17,722			63,135			78,335			8,785
Special mention			202			67			5,131			1,342
Substandard			471			1,223			4,960			948
Doubtful			-			-			-			-
Loss			-			-			-			-
		$	52,409		$	79,382		$	236,672		$	41,915
Consumer Credit
Exposure By
Internally		1-to-4 family
Assigned Grade		residential			HELOC
Pass		$	83,501		$	36,560
Special mention			4,033			112
Substandard			4,371			1,086
		$	91,905		$	37,758
Consumer Credit
Exposure Based		Loans to
On Payment		individuals &
Activity		overdrafts
Pass		$	6,941
Non –pass			76
		$	7,017
Total PCI loans:
September 30, 2014
Commercial
Credit
Exposure By		Commercial						Commercial
Internally		and						real			Multi-family
Assigned Grade		industrial			Construction			estate			residential
		(In thousands)
Superior		$	-		$	-		$	-		$	-
Very good			-			-			-			-
Good			-			-			-			-
Acceptable			-			-			-			-
Acceptable with care			643			1,411			9,524			2,750
Special mention			-			67			1,987			-
Substandard			60			-			561			-
Doubtful			-			-			-			-
Loss			-			-			-			-
		$	703		$	1,478		$	12,072		$	2,750
Consumer Credit
Exposure By
Internally		1-to-4 family
Assigned Grade		residential			HELOC
Pass		$	6,810		$	187
Special mention			2,951			-
Substandard			612			-
		$	10,373		$	187
Consumer Credit
Exposure Based		Loans to
On Payment		individuals &
Activity		overdrafts
Pass		$	149
Non –pass			12
		$	161
Total loans, excluding PCI loans:
September 30, 2014
Commercial
Credit
Exposure By		Commercial						Commercial
Internally		and						real			Multi-family
Assigned Grade		industrial			Construction			estate			residential
		(In thousands)
Superior		$	1,352		$	-		$	-		$	-
Very good			991			-			-			3,600
Good			3,533			2,523			15,611			3,957
Acceptable			28,138			12,434			132,635			23,283
Acceptable with care			17,079			61,724			68,811			6,035
Special mention			202			-			3,144			1,342
Substandard			411			1,223			4,399			948
Doubtful			-			-			-			-
Loss			-			-			-			-
		$	51,706		$	77,904		$	224,600		$	39,165
Consumer Credit
Exposure By
Internally		1-to-4 family
Assigned Grade		residential			HELOC
Pass		$	76,691		$	36,373
Special mention			1,082			112
Substandard			3,759			1,086
		$	81,532		$	37,571
Consumer Credit
Exposure Based		Loans to
On Payment		individuals &
Activity		overdrafts
Pass		$	6,792
Non –pass			64
		$	6,856
December 31, 2013
Commercial
Credit
Exposure By		Commercial						Commercial
Internally		and						real			Multi-family
Assigned Grade		industrial			Construction			estate			residential
		(dollars in thousands)
Superior		$	830		$	40		$	-		$	-
Very good			-			-			-			-
Good			5,793			1,133			19,301			4,203
Acceptable			11,572			2,838			63,447			6,812
Acceptable with care			5,307			46,597			57,768			6,340
Special mention			5,122			1,126			21,305			1,380
Substandard			542			1,591			7,355			1,004
Doubtful			-			-			-			-
Loss			-			-			-			-
		$	29,166		$	53,325		$	169,176		$	19,739
Consumer Credit
Exposure By
Internally		1-to-4 family
Assigned Grade		residential			HELOC
Pass		$	29,364		$	30,116
Special mention			1,632			245
Substandard			4,010			1,502
		$	35,006		$	31,863
Consumer Credit
Exposure Based		Loans to
On Payment		individuals &
Activity		overdrafts
Pass		$	7,629
Non-pass			1,146
		$	8,775
The following table documents changes to the amount of the accretable yield for the three months ended September 30, 2014 (dollars in thousands):
Accretable yield, beginning of period		$	-
Addition from Legacy Select acquisition			4,360
Accretion			-256
Reclassification from (to) nonaccretable difference			-
Accretable yield, end of period		$	4,104
Allowance for Loan Losses
The allowance for loan losses is a reserve established through provisions for loan losses charged to income and represents management’s best estimate of probable loan losses that have been incurred within the existing portfolio of loans. The allowance, in the judgment of management, is necessary to reserve for estimated losses and risk inherent in the loan portfolio. The Company’s allowance for loan loss methodology is based on historical loss experience by type of credit and internal risk grade, specific homogeneous risk pools and specific loss allocations, with adjustments for current events and conditions. The Company’s process for determining the appropriate level of reserves is designed to account for changes in credit quality as they occur. The provision for loan losses reflect loan quality trends, including the levels of and trends related to past due loans and economic conditions at the local and national levels. It also considers the quality and risk characteristics of the Company’s loan origination and servicing policies and practices.
As of March 31, 2014, the Company elected to change the allowance for loan loss model it uses to calculate historical loss rates and qualitative and environmental factors in its allowance for loan losses. The Company elected to change the model used for allowance for loan losses in order to utilize the loss migration, improve the objectivity of loss projections, and increase reliability of identifying losses inherent in the portfolio. The impact of the change to the model resulted in a $177,000 increase to our loan loss reserves as of the time of the change. In determining the loss history to be applied to its ASC 450 loan pools within the allowance for loan losses, the Company has previously used loss history based on the weighted average net charge off history for the most recent fourteen consecutive quarters, based on the risk-graded pool to which the loss was assigned. Historical loss rates are now calculated by using a loss migration analysis associating losses to the risk-graded pool to which they relate for each of the previous twelve quarters. Then, using a twelve quarter look back period, loss factors are calculated for each risk-graded pool.
The new model continues to incorporate various internal and external qualitative and environmental factors as described in the Interagency Policy Statement on the Allowance for Loan and Lease Losses, dated December 2006. Input for these factors is determined on the basis of management observation, judgment, and experience. The factors utilized by the Company in the new model for all loan classes are as follows:
Internal Factors
	⋅	Concentrations – Measures the increased risk derived from concentration of credit exposure in particular industry segments within the portfolio.
	⋅	Policy exceptions – Measures the risk derived from granting terms outside of underwriting guidelines.
	⋅	Compliance exceptions– Measures the risk derived from granting terms outside of regulatory guidelines.
	⋅	Document exceptions– Measures the risk exposure resulting from the inability to collect due to improperly executed documents and collateral imperfections.
	⋅	Financial information monitoring – Measures the risk associated with not having current borrower financial information.
	⋅	Nonaccrual – Reflects increased risk of loans with characteristics that merit nonaccrual status.
	⋅	Delinquency – Reflects the increased risk deriving from higher delinquency rates.
	⋅	Personnel turnover – Reflects staff competence in various types of lending.
	⋅	Portfolio growth – Measures the impact of growth and potential risk derived from new loan production.
External Factors
	⋅	GDP growth rate – Impact of general economic factors that affect the portfolio.
	⋅	North Carolina unemployment rate – Impact of local economic factors that affect the portfolio.
	⋅	Peer group delinquency rate – Measures risk associated with the credit requirements of competitors.
	⋅	Prime rate change – Measures the effect on the portfolio in the event of changes in the prime lending rate.
Each pool is assigned an adjustment to the potential loss percentage by assessing its characteristics against each of the factors listed above.
Reserves are generally divided into three allocation segments:
	1	Individual reserves. These are calculated according to ASC Section 310-10-35 against loans evaluated individually and deemed to most likely be impaired.  All loans in non-accrual status and all substandard loans that are deemed to be collateral dependent are assessed for impairment. Loans are deemed uncollectible based on a variety of credit, collateral, documentation and other issues. In the case of uncollectible receivables, the collateral is considered unsecured and therefore fully charged off.
	2	Formula reserves. Formula reserves are held against loans evaluated collectively. Loans are grouped by type or by risk grade, or some combination of the two. Loss estimates are based on historical loss rates for each respective loan group. Formula reserves represent the Company’s best estimate of losses that may be inherent, or embedded, within the group of loans, even if it is not apparent at this time which loans within any group or pool represent those embedded losses.
	3	Qualitative and external reserves. If individual reserves represent estimated losses tied to specific loans, and formula reserves represent estimated losses tied to a pool of loans but not yet to any specific loan, then these reserves represent an estimate of losses that are expected, but are not yet tied to any loan or group of loans.
All information related to the calculation of the three segments, including data analysis, assumptions, calculations, etc. are documented. Assigning specific individual reserve amounts, formula reserve factors, or unallocated amounts based on unsupported assumptions or conclusions is not permitted.
The following tables present a roll forward of the Company’s allowance for loan losses by loan class for the three month and nine month periods ended September 30, 2014 and 2013, respectively:
		Three months ended September 30, 2014
		Commercial									1-to-4						Loans to		Multi-
		and						Commercial			family						individuals &		family
Allowance for loan losses		industrial			Construction			real estate			residential			HELOC			overdrafts		residential		Total
		(In thousands)
Balance, end of period 6/30/2014		$	523		$	1,002		$	2,903		$	588		$	1,009		$	156	$	266	$	6,447
Provision (recovery) for loan losses			67			-15			188			-48			-137			44		6		105
Loans charged-off			-			-4			-			-			-26			-37		-		-67
Recoveries			5			2			6			12			14			5		-		44
Balance, end of period 9/30/2014		$	595		$	985		$	3,097		$	552		$	860		$	168	$	272	$	6,529
Ending balance: individually evaluated for impairment		$	66		$	81		$	455		$	29		$	54		$	20	$	-	$	705
Ending balance: collectively evaluated for impairment		$	529		$	904		$	2,642		$	523		$	806		$	148	$	272	$	5,824
Loans:
Ending balance		$	52,409		$	79,382		$	236,672		$	91,905		$	37,758		$	7,017	$	41,915	$	547,058
Ending balance: individually evaluated for impairment		$	381		$	1,575		$	5,766		$	2,944		$	964		$	21	$	2,290	$	13,941
Ending balance: collectively evaluated for impairment		$	52,028		$	77,807		$	230,906		$	88,961		$	36,794		$	6,996	$	39,625	$	533,117
There is no allowance for PCI loans as of September 30, 2014.
		Nine months ended September 30, 2014
		Commercial									1-to-4						Loans to		Multi-
		and						Commercial			family						individuals &		family
Allowance for loan losses		industrial			Construction			real estate			residential			HELOC			overdrafts		residential		Total
		(In thousands)
Balance, beginning of period 1/1/2014		$	245		$	565		$	4,599		$	826		$	680		$	65	$	74	$	7,054
Provision (recovery) for loan losses			385			361			-1,536			-322			402			142		198		-370
Loans charged-off			-63			-4			-			-1			-297			-57		-		-422
Recoveries			28			63			34			49			75			18		-		267
Balance, end of period 9/30/2014		$	595		$	985		$	3,097		$	552		$	860		$	168	$	272	$	6,529
Ending balance: individually evaluated for impairment		$	66		$	81		$	455		$	29		$	54		$	20	$	-	$	705
Ending balance: collectively evaluated for impairment		$	529		$	904		$	2,642		$	523		$	806		$	148	$	272	$	5,824
There is no allowance for PCI loans as of September 30, 2014.
		Three months ended September 30, 2013
		Commercial									1-to-4						Loans to		Multi-
		and						Commercial			family						individuals &		family
Allowance for loan losses		industrial			Construction			real estate			residential			HELOC			overdrafts		residential		Total
		(In thousands)
Balance, end of period 6/30/2013		$	250		$	608		$	4,585		$	1,045		$	610		$	62	$	58	$	7,218
Provision (recovery) for loan losses			-58			-56			218			-429			153			14		28		-130
Loans charged-off			-1			-28			-206			-187			-192			-21		-		-635
Recoveries			13			22			24			352			-14			8		-		405
Balance, end of period 9/30/2013		$	204		$	546		$	4,621		$	781		$	557		$	63	$	86	$	6,858
Ending balance: individually evaluated for impairment		$	7		$	43		$	361		$	75		$	117		$	2	$	-	$	605
Ending balance: collectively evaluated for impairment		$	197		$	503		$	4,260		$	706		$	440		$	61	$	86	$	6,253
Loans:
Ending balance		$	29,233		$	51,950		$	174,746		$	34,157		$	32,206		$	8,194	$	19,145	$	349,631
Ending balance: individually evaluated for impairment		$	642		$	2,347		$	9,233		$	4,110		$	930		$	11	$	2,395	$	19,668
Ending balance: collectively evaluated for impairment		$	28,591		$	49,603		$	165,513		$	30,047		$	31,276		$	8,183	$	16,750	$	329,963
		Nine months ended September 30, 2013
		Commercial									1-to-4						Loans to		Multi-
		and						Commercial			family						individuals &		family
Allowance for loan losses		industrial			Construction			real estate			residential			HELOC			overdrafts		residential		Total
		(In thousands)
Balance, beginning of period 1/1/2013		$	278		$	798		$	4,946		$	1,070		$	627		$	72	$	106	$	7,897
Provision (recovery) for loan losses			16			-246			-36			-353			99			-65		-20		-605
Loans charged-off			-130			-28			-385			-309			-231			-65		-		-1,148
Recoveries			40			22			96			373			62			121		-		714
Balance, end of period 9/30/2013		$	204		$	546		$	4,621		$	781		$	557		$	63	$	86	$	6,858
Ending balance: individually evaluated for impairment		$	7		$	43		$	361		$	75		$	117		$	2	$	-	$	605
Ending balance: collectively evaluated for impairment		$	197		$	503		$	4,260		$	706		$	440		$	61	$	86	$	6,253
During the three months ended September 30, 2013 the Company recorded net charge-offs of $231,000. Total loans outstanding during the third quarter of 2013 decreased, resulting in a $130,000 recovery in the provision for loan losses.

ACCUMULATED_OTHER_COMPREHENSIV

ACCUMULATED OTHER COMPREHENSIVE INCOME	9 Months Ended
	Sep. 30, 2014
Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract]	'
Accumulated Other Comprehensive Income (Loss) [Text Block]	'
	NOTE H – ACCUMULATED OTHER COMPREHENSIVE INCOME
	The following table presents changes in accumulated other comprehensive income for the three months and nine months ended September 30, 2014 and 2013.
		Three Months Ended				Nine Months Ended
		September 30,				September 30,
		2014		2013		2014		2013
		(In thousands)
	Beginning balance	$	475	$	191	$	-108	$	1,078
	Unrealized gain (loss) on investment securities available for sale		145		-151		863		-1,630
	Tax effect		-54		51		-322		554
	Other comprehensive gain (loss) before reclassification		91		-100		541		-1,076
	Amounts reclassified from accumulated comprehensive income:
	Realized loss on investment securities included in net income		77		48		288		183
	Tax effect		-29		-16		-107		-62
	Total reclassifications net of tax		48		32		181		121
	Net current period other comprehensive income (loss)		139		-68		722		-955
	Ending balance	$	614	$	123	$	614	$	123
	The income statement line items impacted by the reclassifications of realized gains (losses) on investment securities are the other non-interest expense and income tax expense line items in the consolidated statement of operations. The balance of accumulated other comprehensive income, net of tax, at September 30, 2014, is comprised of $541,000 of unrealized gains on securities available for sale. There was a reclassification of other comprehensive income, net of tax, of $181,000, as of September 30, 2014, related to realized losses on available for sale securities during the period.

PER_SHARE_RESULTS_Tables

PER SHARE RESULTS (Tables)	9 Months Ended
	Sep. 30, 2014
Earnings Per Share [Abstract]	'
Schedule of Earnings Per Share, Basic and Diluted [Table Text Block]	'
	At September 30, 2014 and 2013 there were 71,080 and 278,659 anti-dilutive options outstanding for each three month period, and 75,783 and 308,909 anti-dilutive options for each nine month period, respectively.
		Three Months Ended		Nine Months Ended
		September 30,		September 30,
		2014	2013	2014	2013
	Weighted average shares used for  basic net income available to  common shareholders	10,195,846	6,921,352	8,025,706	6,917,958
	Effect of dilutive stock options	116,239	2,790	105,771	1,549
	Weighted average shares used for diluted net income available to common shareholders	10,312,085	6,924,142	8,131,477	6,919,507

BUSINESS_COMBINATIONS_Tables

BUSINESS COMBINATIONS (Tables)	9 Months Ended
	Sep. 30, 2014
Business Combinations [Abstract]	'
Schedule of Recognized Identified Assets Acquired and Liabilities Assumed [Table Text Block]	'
	The following table provides the carrying value of acquired assets and assumed liabilities, as recorded by the Company, the fair value adjustments calculated at the time of the merger and the resulting fair value recorded by the Company.
		July 25, 2014
		As recorded by		Fair Value		As recorded by
		Legacy Select		adjustments		the Company
	(Dollars in thousands)
	Assets
	Cash and cash equivalents	$	15,406	$	-	$	15,406
	Investment securities		28,264		-284		27,980
	Loans		223,131		-5,541		217,590
	Less: allowance for loan losses		-3,389		3,389		-
	Premises and equipment		6,380		332		6,712
	Accrued interest receivable		864		-132		732
	Other real estate owned		71		-		71
	Bank owned life insurance		2,234		-		2,234
	Goodwill		1,488		-1,488		-
	Core deposit intangible		234		1,556		1,790
	Other assets		2,507		1,915		4,422
	Total assets acquired	$	277,190	$	-253	$	276,937
	Liabilities
	Deposits:
	Noninterest-bearing	$	42,507	$	-	$	42,507
	Interest-bearing		177,525		2,175		179,700
	Total deposits		220,032		2,175		222,207
	Borrowings		22,198		908		23,106
	Other liabilities		565		-		565
	Total liabilities assumed	$	242,795	$	3,083		245,878
	Fair value of net assets assumed						31,059
	Value of preferred shares issued to Legacy Select shareholders						7,645
	Value of common shares issued to Legacy Select shareholders						28,238
	Additional consideration ensuing from stock options issued to Legacy Select shareholders						179
	Goodwill recorded for Legacy Select					$	5,003
Contractually Required Payments Expected To Be Collected And Fair Values [Table Text Block]	'
	For PCI loans acquired from Legacy Select, the contractually required payments including principal and interest, cash flows expected to be collected and fair values as of the closing date of the merger were:
	(Dollars in thousands)	July 25, 2014
	Contractually required payments	$	34,329
	Nonaccretable difference		1,402
	Cash flows expected to be collected		32,927
	Accretable yield		4,360
	Fair value at acquisition date	$	28,567
Business Acquisition, Pro Forma Information [Table Text Block]	'
	The following tables reflect the pro forma total net interest income, noninterest income and net income for the three months and nine months ended September 30, 2014 and 2013 as though the acquisition of Legacy Select had taken place on January 1, 2013. The pro forma results are not adjusted for acquisition-related expense, and are not necessarily indicative of the results of operations that would have occurred had the acquisition actually taken place on January 1, 2013, nor of future results of operations.
		Three Months Ended September 30
		2014		2013
		(Dollars in thousands, except per share)
	Net interest income	$	6,968	$	6,664
	Non-interest income		1,157		892
	Net income		845		1,239
	Earnings per share, basic	$	0.07	$	0.11
	Earnings per share, diluted	$	0.07	$	0.11
	Weighted average common shares outstanding, basic		11,349,368		11,292,404
	Weighted average common shares outstanding, diluted		11,478,758		11,427,956
		Nine Months Ended September 30
		2014		2013
		(Dollars in thousands, except per share)
	Net interest income	$	20,074	$	20,328
	Non-interest income		2,863		2,876
	Net income		3,476		4,385
	Earnings per share, basic	$	0.31	$	0.39
	Earnings per share, diluted	$	0.3	$	0.38
	Weighted average common shares outstanding, basic		11,349,368		11,292,404
	Weighted average common shares outstanding, diluted		11,478,758		11,427,956
Schedule of merger related expense [Table Text Block]	'
	The components of merger-related expense for the nine months ended September 30, 2014 are as follows (dollars in thousands):
	Personnel	$	2
	Furniture and equipment		8
	Technology and data processing		1,127
	Legal and professional		452
	Marketing		63
	Stationery, printing and supplies		31
	Travel, dues and subscriptions		39
	Other		1
	Total merger-related expense	$	1,723

FAIR_VALUE_MEASUREMENTS_Tables

FAIR VALUE MEASUREMENTS (Tables)	9 Months Ended
	Sep. 30, 2014
Fair Value Disclosures [Abstract]	'
Fair Value, Assets Measured on Recurring Basis [Table Text Block]	'
	The following tables summarize quantitative disclosures about the fair value measurement for each category of assets carried at fair value on a recurring basis as of September 30, 2014 and December 31, 2013 (in thousands):
				Quoted Prices in		Significant
	Investment securities			Active Markets		Other		Significant
	available for sale			for Identical		Observable		Unobservable
	September 30, 2014	Fair value		Assets (Level 1)		Inputs (Level 2)		Inputs (Level 3)
	U.S. government agencies – GSE's	$	27,393	$	-	$	27,393	$	-
	Mortgage-backed securities - GSE’s		55,002		-		55,002		-
	Municipal bonds		21,042		-		21,042		-
	Total	$	103,437	$	-	$	103,437	$	-
				Quoted Prices in		Significant
	Investment securities			Active Markets		Other		Significant
	available for sale			for Identical		Observable		Unobservable
	December 31, 2013	Fair value		Assets (Level 1)		Inputs (Level 2)		Inputs (Level 3)
	U.S. government agencies – GSE's	$	34,665	$	-	$	34,665	$	-
	Mortgage-backed securities - GSE’s		41,065		-		41,065		-
	Municipal bonds		8,106		-		8,106		-
	Total	$	83,836	$	-	$	83,836	$	-
Fair Value Measurements, Nonrecurring [Table Text Block]	'
	The following tables summarize quantitative disclosures about the fair value measurement for each category of assets carried at fair value on a non-recurring basis as of September 30, 2014 and December 31, 2013 (in thousands):
				Quoted Prices in		Significant
				Active Markets		Other		Significant
	Asset Category			for Identical		Observable		Unobservable
	September 30, 2014	Fair value		Assets (Level 1)		Inputs (Level 2)		Inputs (Level 3)
	Impaired loans	$	4,433	$	-	$	-	$	4,433
	Foreclosed real estate		1,687		-		-		1,687
	Total	$	6,120	$	-	$	-	$	6,120
	As of September 30, 2014, the Bank identified $13.9 million in impaired loans, of which $4.4 million were carried at fair value on a non-recurring basis which included $3.9 million in loans that required a specific reserve of $705,000, and an additional $1.3 million in other loans without specific reserves that had partial charge-offs.
				Quoted Prices in		Significant
				Active Markets		Other		Significant
	Asset Category			for Identical		Observable		Unobservable
	December 31, 2013	Fair value		Assets (Level 1)		Inputs (Level 2)		Inputs (Level 3)
	Impaired loans	$	8,477	$	-	$	-	$	8,477
	Foreclosed real estate		2,008		-		-		2,008
	Total	$	10,485	$	-	$	-	$	10,485
Fair Value, by Balance Sheet Grouping [Table Text Block]	'
	The following table presents the carrying values and estimated fair values of the Company's financial instruments at September 30, 2014 and December 31, 2013:
		September 30, 2014
		Carrying		Estimated
		Amount		Fair Value		Level 1		Level 2		Level 3
		(In thousands)
	Financial assets:
	Cash and due from banks	$	33,641	$	33,641	$	33,641	$	-	$	-
	Interest-earning deposits in other banks		37,064		37,064		37,064		-		-
	Federal funds sold and Repurchase agreements		23,029		23,029		23,029		-		-
	Investment securities available for sale		103,437		103,437		-		103,437		-
	Loans, net		539,946		550,722		-		-		550,722
	Accrued interest receivable		2,258		2,258		-		-		2,258
	Stock in FHLB		1,626		1,626		-		-		1,626
	Other non-marketable securities		1,021		1,021		-		-		1,021
	Financial liabilities:
	Deposits	$	644,093	$	646,867	$	-	$	646,867	$	-
	Short term debt		18,077		18,077		-		18,077		-
	Long term debt		26,049		26,049		-		26,049		-
	Accrued interest payable		290		290		-		-		290
		December 31, 2013
		Carrying		Estimated
		Amount		Fair Value		Level 1		Level 2		Level 3
						(In thousands)
	Financial assets:
	Cash and due from banks	$	20,151	$	20,151	$	20,151	$	-	$	-
	Interest-earning deposits in other banks		49,690		49,690		49,690		-		-
	Federal funds sold		3,028		3,028		3,028		-		-
	Investment securities available for sale		83,836		83,836		-		83,836		-
	Loans, net		339,446		353,439		-		-		353,439
	Accrued interest receivable		1,650		1,650		-		-		1,650
	Stock in the FHLB		796		796		-		-		796
	Other non-marketable securities		1,055		1,055		-		-		1,055
	Financial liabilities:
	Deposits	$	448,458	$	452,529	$	-	$	452,529	$	-
	Short-term debt		6,305		6,305		-		6,305		-
	Long-term debt		12,372		7,517		-		7,517		-
	Accrued interest payable		225		225		-		-		225

INVESTMENT_SECURITIES_Tables

INVESTMENT SECURITIES (Tables)	9 Months Ended
	Sep. 30, 2014
Investments, Debt and Equity Securities [Abstract]	'
Schedule of Available-for-sale Securities Reconciliation [Table Text Block]	'
	The amortized cost and fair value of securities available for sale, with gross unrealized gains and losses, follow:
		September 30, 2014
				Gross		Gross
		Amortized		unrealized		unrealized		Fair
		cost		gains		losses		value
				(In thousands)
	Securities available for sale:
	U.S. government agencies-GSE’s
	Within 1 year	$	8,619	$	20	$	-	$	8,639
	After 1 year but within 5 years		1,978		3		-1		1,980
	After 5 years but within 10 years		12,576		28		-326		12,278
	After 10 years		4,562		-		-66		4,496
	Mortgage-backed securities-GSE’s
	Within 1 year		29		2		-		31
	After 1 year but within 5 years		35,282		828		-86		36,024
	After 5 years but within 10 years		16,017		67		-108		15,976
	After 10 years		2,964		9		-2		2,971
	Municipal bonds
	Within 1 year		576		6		-		582
	After 1 year but within 5 years		3,798		191		-		3,989
	After 5 years but within 10 years		6,324		186		-2		6,508
	After 10 years		9,732		242		-11		9,963
		$	102,457	$	1,582	$	-602	$	103,437
	As of September 30, 2014, accumulated other comprehensive income included net unrealized gains totaling $980,000. Deferred tax liabilities resulting from these unrealized gains totaled $258,000.
		December 31, 2013
				Gross		Gross
		Amortized		unrealized		unrealized		Fair
		cost		gains		losses		value
				(In thousands)
	Securities available for sale:
	U.S. government agencies-GSE’s
	Within 1 year	$	10,520	$	25	$	-	$	10,545
	After 1 year but within 5 years		8,820		17		-10		8,827
	After 5 years but within 10 years		7,376		-		-549		6,827
	After 10 years		8,524		11		-69		8,466
	Mortgage-backed securities-GSE’s
	Within 1 year		133		7		-		140
	After 1 year but within 5 years		35,352		659		-155		35,856
	After 5 years but within 10 years		5,316		-		-247		5,069
	Municipal bonds
	Within 1 year		100		1		-		101
	After 1 year but within 5 years		3,036		196		-		3,232
	After 5 years but within 10 years		3,306		30		-112		3,224
	After 10 years		1,526		54		-31		1,549
		$	84,009	$	1,000	$	-1,173	$	83,836
Schedule of Unrealized Loss on Investments [Table Text Block]	'
	The following tables show investments’ gross unrealized losses and fair value, aggregated by investment category and length of time that the individual securities have been in a continuous unrealized loss position, at September 30, 2014 and December 31, 2013.
		September 30, 2014
		Less Than 12 Months				12 Months or More				Total
		Fair		Unrealized		Fair		Unrealized		Fair		Unrealized
		value		Losses		value		losses		value		losses
		(In thousands)
	Securities available for sale:
	U.S. government agencies- GSE’s	$	736	$	-1	$	12,701	$	-392	$	13,437	$	-393
	Mortgage-backed securities- GSE’s		10,832		-81		4,701		-115		15,533		-196
	Municipal bonds		861		-11		112		-2		973		-13
	Total temporarily impaired securities	$	12,429	$	-93	$	17,514	$	-509	$	29,943	$	-602
	All unrealized losses are attributable to the general trend of interest rates.
		December 31, 2013
		Less Than 12 Months				12 Months or More				Total
		Fair		Unrealized		Fair		Unrealized		Fair		Unrealized
		value		losses		value		losses		value		losses
		(dollars in thousands)
	Securities available for sale:
	U.S. government agencies – GSE’s	$	11,908	$	-239	$	3,611	$	-389	$	15,519	$	-628
	Mortgage-backed securities- GSE’s		21,762		-312		1,777		-90		23,539		-402
	Municipal bonds		2,719		-143		-		-		2,719		-143
	Total temporarily impaired securities	$	36,389	$	-694	$	5,388	$	-479	$	41,777	$	-1,173

LOANS_Tables

LOANS (Tables)	9 Months Ended
	Sep. 30, 2014
Receivables [Abstract]	'
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]	'
	Following is a summary of the composition of the Company’s loan portfolio at September 30, 2014 and December 31, 2013:
		September 30,						December 31,
	Total Loans:	2014						2013
						Percent						Percent
		Amount				of total		Amount				of total
				(Dollars in thousands)
	Real estate loans:
	1 to 4 family residential	$	91,905			16.82	%	$	35,006			10.1	%
	Commercial real estate		236,672			43.31	%		169,176			48.82	%
	Multi-family residential		41,915			7.67	%		19,739			5.7	%
	Construction		79,382			14.52	%		53,325			15.39	%
	Home equity lines of credit (“HELOC”)		37,758			6.91	%		31,863			9.2	%
	Total real estate loans		487,632			89.23	%		309,109			89.21	%
	Other loans:
	Commercial and industrial		52,409			9.59	%		29,166			8.42	%
	Loans to individuals		6,925			1.27	%		8,584			2.48	%
	Overdrafts		92			0.02	%		191			0.05	%
	Total other loans		59,426			10.88	%		37,941			10.95	%
	Gross loans		547,058			347,050
	Less deferred loan origination fees, net		-583			-0.11	%		-550			-0.16	%
	Total loans		546,475			100	%		346,500			100	%
	Allowance for loan losses		-6,529						-7,054
	Total loans, net	$	539,946					$	339,446
		September 30,
	PCI Loans:	2014
						Percent
		Amount				of total
		(Dollars in thousands)
	Real estate loans:
	1 to 4 family residential	$	10,373			37.42	%
	Commercial real estate		12,072			43.54	%
	Multi-family residential		2,750			9.92	%
	Construction		1,478			5.33	%
	Home equity lines of credit (“HELOC”)		187			0.67	%
	Total real estate loans		26,860			96.88	%
	Other loans:
	Commercial and industrial		703			2.54	%
	Loans to individuals		161			0.58	%
	Total other loans		864			3.12	%
	Gross loans		27,724
	Less deferred loan origination fees, net		-			-	%
	Total loans		27,724			100	%
	Allowance for loan losses		-
	Total loans, net	$	27,724
		September 30,						December 31,
	Loans – excluding PCI:	2014						2013
						Percent						Percent
		Amount				of total		Amount				of total
		(Dollars in thousands)
	Real estate loans:
	1 to 4 family residential	$	81,532			15.72	%	$	35,006			10.1	%
	Commercial real estate		224,600			43.29	%		169,176			48.82	%
	Multi-family residential		39,165			7.55	%		19,739			5.7	%
	Construction		77,904			15.02	%		53,325			15.39	%
	Home equity lines of credit (“HELOC”)		37,571			7.24	%		31,863			9.2	%
	Total real estate loans		460,772			88.82	%		309,109			89.21	%
	Other loans:
	Commercial and industrial		51,706			9.97	%		29,166			8.42	%
	Loans to individuals		6,764			1.3	%		8,584			2.48	%
	Overdrafts		92			0.02	%		191			0.05	%
	Total other loans		58,562			11.29	%		37,941			10.95	%
	Gross loans		519,334			347,050
	Less deferred loan origination fees, net		-583			-0.11	%		-550			-0.16	%
Total loans		518,751			100	%		346,500			100	%
Allowance for loan losses		-6,529						-7,054
Total loans, net	$	512,222					$	339,446
Past Due Financing Receivables [Table Text Block]	'
	The following tables present an age analysis of past due loans, segregated by class of loans as of September 30, 2014 and December 31, 2013, respectively:
	Total Loans:	September 30, 2014
		30+			Non-			Total
		Days			Accrual			Past						Total
		Past Due			Loans			Due			Current			Loans
		(In thousands)
	Commercial and industrial	$	138		$	265		$	403		$	52,006		$	52,409
	Construction		-			821			821			78,561			79,382
	Multi-family residential		888			948			1,836			40,079			41,915
	Commercial real estate		180			3,010			3,190			233,482			236,672
	Loans to individuals & overdrafts		11			21			32			6,985			7,017
	1-to-4 family residential		644			1,305			1,949			89,956			91,905
	HELOC		97			893			990			36,768			37,758
	Deferred loan (fees) cost, net		-			-			-			-			-583
		$	1,958		$	7,263		$	9,221		$	537,837		$	546,475
	Total PCI Loans:	September 30, 2014
		30+			Non-			Total
		Days			Accrual			Past						Total
		Past Due			Loans			Due			Current			Loans
		(In thousands)
	Commercial and industrial	$	-		$	-		$	-		$	703		$	703
	Construction		-			-			-			1,478			1,478
	Multi-family residential		159			-			159			2,591			2,750
	Commercial real estate		-			-			-			12,072			12,072
	Loans to individuals & overdrafts		-			-			-			161			161
	1-to-4 family residential		158			-			158			10,215			10,373
	HELOC		-			-			-			187			187
		$	317		$	-		$	317		$	27,407		$	27,724
	Total Loans (excluding PCI):	September 30, 2014
		30+			Non-			Total
		Days			Accrual			Past						Total
		Past Due			Loans			Due			Current			Loans
		(In thousands)
	Commercial and industrial	$	138		$	265		$	403		$	51,303		$	51,706
	Construction		-			821			821			77,083			77,904
	Multi-family residential		729			948			1,677			37,488			39,165
	Commercial real estate		180			3,010			3,190			221,410			224,600
	Loans to individuals & overdrafts		11			21			32			6,824			6,856
	1-to-4 family residential		486			1,305			1,791			79,741			81,532
	HELOC		97			893			990			36,581			37,571
	Deferred loan (fees) cost, net		-			-			-			-			-583
		$	1,641		$	7,263		$	8,904		$	510,430		$	518,751
	There were no loans that were more than 90 days past due and still accruing interest at September 30, 2014.
		December 31, 2013
		30+			Non-			Total
		Days			Accrual			Past						Total
		Past Due			Loans			Due			Current			Loans
		(In thousands)
	Commercial and industrial	$	70		$	330		$	400		$	28,766		$	29,166
	Construction		36			1,206			1,242			52,083			53,325
	Multi-family residential		-			1,004			1,004			18,735			19,739
	Commercial real estate		446			4,441			4,887			164,289			169,176
	Loans to individuals & overdrafts		4			5			9			8,766			8,775
	1 to 4 family residential		318			1,092			1,410			33,596			35,006
	HELOC		-			1,241			1,241			30,622			31,863
	Deferred loan (fees) cost, net		-			-			-			-			-550
		$	874		$	9,319		$	10,193		$	336,857		$	346,500
Impaired Financing Receivables [Table Text Block]	'
	The following tables present information on loans that were considered to be impaired as of September 30, 2014 and December 31, 2013:
											Three months ended						Nine months ended
		As of September 30, 2014									September 30, 2014						September 30, 2014
					Contractual									Interest Income					Interest Income
					Unpaid						Average			Recognized on			Average		Recognized on
		Recorded			Principal			Related			Recorded			Impaired			Recorded		Impaired
		Investment			Balance			Allowance			Investment			Loans			Investment		Loans
		(In thousands)
	With no related allowance recorded:
	Commercial and industrial	$	116		$	116		$	-		$	119		$	3		$	156	$	8
	Construction		1,407			1,627			-			1,520			21			1,733		64
	Commercial real estate		2,951			4,103			-			3,111			35			3,479		143
	Loans to individuals & overdrafts		1			4			-			1			-			2		-
	Multi-family residential		2,290			2,570			-			2,311			25			2,337		100
	1 to 4 family residential		2,630			3,068			-			2,505			48			3,092		120
	HELOC		650			771			-			654			7			708		28
	Subtotal:		10,045			12,259			-			10,221			139			11,507		463
	With an allowance recorded:
	Commercial and industrial		265			266			66			265			-			266		-
	Construction		168			168			81			168			-			248		-
	Commercial real estate		2,815			3,537			455			2,765			16			4,255		59
	Loans to individuals & overdrafts		20			20			20			20			-			11		-
	Multi-family residential		-			-			-			-			-			-		-
	1 to 4 family residential		314			319			29			442			-			434		11
	HELOC		314			556			54			357			-			433		8
	Subtotal:		3,896			4,866			705			4,017			16			5,647		78
	Totals:
	Commercial		10,012			12,387			602			10,259			100			12,474		374
	Consumer		21			24			20			21			-			13		-
	Residential		3,908			4,714			83			3,958			55			4,667		167
	Grand Total:	$	13,941		$	17,125		$	705		$	14,238		$	155		$	17,154	$	541
											Three months ended						Nine months ended
		As of December 31, 2013									September 30, 2013						September 30, 2013
					Contractual									Interest Income					Interest Income
					Unpaid			Related			Average			Recognized on			Average		Recognized on
		Recorded			Principal			Allowance			Recorded			Impaired			Recorded		Impaired
		Investment			Balance			for Loan Losses			Investment			Loans			Investment		Loans
		(In thousands)
	With no related allowance recorded:
	Commercial and industrial	$	196		$	257		$	-		$	644		$	27		$	543	$	31
	Construction		2,059			2,311			-			1,787			5			2,006		8
	Commercial real estate		3,748			4,971			-			5,494			-			5,297		-
	Loans to individuals & overdrafts		3			3			-			1			-			2		-
	Multi-family residential		2,384			2,384			-			2,401			-			1,915		-
	1 to 4 family residential		2,427			2,731			-			2,955			100			2,877		133
	HELOC		767			854			-			629			3			552		4
	Subtotal:		11,584			13,511			-			13,911			135			13,192		176
	With an allowance recorded:
	Commercial and industrial		267			267			63			7			-			60		-
	Construction		328			406			91			580			10			451		12
	Commercial real estate		5,695			5,695			541			3,850			143			4,527		202
	Loans to individuals & overdrafts		2			2			-			12			-			17		-
	Multi-family residential		-			-			-			-			-			10		-
	1 to 4 family residential		553			553			88			1,146			1			967		8
	HELOC		553			553			320			352			3			254		3
	Subtotal:		7,398			7,476			1,103			5,947			157			6,286		225
	Totals:
	Commercial		14,677			16,291			695			14,763			185			14,809		253
	Consumer		5			5			-			13			-			19		-
	Residential		4,300			4,691			408			5,082			107			4,650		148
	Grand Total:	$	18,982		$	20,987		$	1,103		$	19,858		$	292		$	19,478	$	401
Troubled Debt Restructurings on Financing Receivables [Table Text Block]	'
	The following table presents loans that were modified as troubled debt restructurings (“TDRs”) with a breakdown of the types of concessions made by loan class during the three and nine months ended September 30, 2014 and 2013:
		Three months ended September 30, 2014								Nine months ended September 30, 2014
				Pre-			Post-					Pre-			Post-
				Modification			Modification					Modification			Modification
				Outstanding			Outstanding					Outstanding			Outstanding
		Number		Recorded			Recorded			Number		Recorded			Recorded
		of loans		Investment			Investment			of loans		Investment			Investment
		(Dollars in thousands)
	Below market interest rate:
	Commercial and industrial	-		$	-		$	-		-		$	-		$	-
	Construction	-			-			-		-			-			-
	Commercial real estate	-			-			-		-			-			-
	Loans to individuals & overdrafts	-			-			-		-			-			-
	1-to-4 family residential	-			-			-		1			22			20
	Multi-family residential	-			-			-		-			-			-
	HELOC	-			-			-		-			-			-
	Total	-			-			-		1			22			20
	Extended payment terms:
	Commercial and industrial	-			-			-		-			-			-
	Construction	-			-			-		-			-			-
	Commercial real estate	-			-			-		1			947			942
	Loans to individuals & overdrafts	-			-			-		-			-			-
	1-to-4 family residential	-			-			-		1			46			41
	Multi-family residential	-			-			-		-			-			-
	HELOC	-			-			-		-			-			-
	Total	-			-			-		2			993			983
	Other:
	Commercial and industrial	-			-			-		-			-			-
	Construction	-			-			-		-			-			-
	Commercial real estate	-			-			-		-			-			-
	Loans to individuals & overdrafts	-			-			-		-			-			-
	1-to-4 family residential	-			-			-		-			-			-
	Multi-family residential	-			-			-		-			-			-
	HELOC	-			-			-		-			-			-
	Total	-			-			-		-			-			-
	Total	-		$	-		$	-		3		$	1,015		$	1,003
		Three months ended September 30, 2013								Nine months ended September 30, 2013
				Pre-			Post-					Pre-			Post-
				Modification			Modification					Modification			Modification
				Outstanding			Outstanding					Outstanding			Outstanding
		Number		Recorded			Recorded			Number		Recorded			Recorded
		of loans		Investment			Investment			of loans		Investment			Investment
		(Dollars in thousands)
	Below market interest rate:
	Commercial and industrial	-		$	-		$	-		-		$	-		$	-
	Construction	-			-			-		-			-			-
	Commercial real estate	-			-			-		-			-			-
	Loans to individuals & overdrafts	-			-			-		-			-			-
	1-to-4 family residential	3			276			275		3			276			275
	Multi-family residential	-			-			-		-			-			-
	HELOC	-			-			-		-			-			-
	Total	3			276			275		3			276			275
	Extended payment terms:
	Commercial and industrial	-			-			-		4			537			522
	Construction	-			-			-		2			134			133
	Commercial real estate	-			-			-		1			645			645
	Loans to individuals & overdrafts	-			-			-		-			-			-
	1-to-4 family residential	2			945			933		4			1,084			1,071
	Multi-family residential	-			-			-		-			-			-
	HELOC	-			-			-		-			-			-
	Total	2			945			933		11			2,400			2,371
	Other:
	Commercial and industrial	-			-			-		-			-			-
Construction	1			69			68		1			69			68
Commercial real estate	-			-			-		2			2,454			2,433
Loans to individuals & overdrafts	-			-			-		-			-			-
1-to-4 family residential	-			-			-		2			135			130
Multi-family residential	-			-			-		-			-			-
HELOC	-			-			-		-			-			-
Total	1			69			68		5			2,658			2,631
Total	6		$	1,290		$	1,276		19		$	5,334		$	5,277
	Three months ended					Nine months ended
	September 30, 2014					September 30, 2014
	Number		Recorded			Number		Recorded
	of loans		investment			of loans		investment
	(Dollars in thousands)
Below market interest rate:
Commercial and industrial	-		$	-		-		$	-
Construction	-			-		-			-
Commercial real estate	-			-		-			-
Loans to individuals & overdrafts	-			-		-			-
1-to-4 family residential	-			-		1			21
Multi-family residential	-			-		-			-
HELOC	-			-		-			-
Total	-			-		1			21
Extended payment terms:
Commercial and industrial	-			-		-			-
Construction	-			-		-			-
Commercial real estate	-			-		1			947
Loans to individuals & overdrafts	-			-		-			-
1-to-4 family residential	-			-		-			-
Multi-family residential	-			-		-			-
HELOC	-			-		-			-
Total	-			-		1			947
Forgiveness of principal:
Commercial and industrial	-			-		-			-
Construction	-			-		-			-
Commercial real estate	-			-		-			-
Loans to individuals & overdrafts	-			-		-			-
1-to-4 family residential	-			-		-			-
Multi-family residential	-			-		-			-
HELOC	-			-		-			-
Total	-			-		-			-
Other:
Commercial and industrial	-			-		-			-
Construction	-			-		-			-
Commercial real estate	-			-		-			-
Loans to individuals & overdrafts	-			-		-			-
1-to-4 family residential	-			-		-			-
Multi-family residential	-			-		-			-
HELOC	-			-		-			-
Total	-			-		-			-
Total	-		$	-		2		$	968
	Three months ended					Nine months ended
	September 30, 2013					September 30, 2013
	Number		Recorded			Number		Recorded
	of loans		investment			of loans		investment
	(Dollars in thousands)
Below market interest rate:
Commercial and industrial	-		$	-		-		$	-
Construction	-			-		-			-
Commercial real estate	-			-		-			-
Loans to individuals & overdrafts	-			-		-			-
1-to-4 family residential	-			-		-			-
Multi-family residential	-			-		-			-
HELOC	-			-		-			-
Total	-			-		-			-
Extended payment terms:
Commercial and industrial	-			-		2			156
Construction	-			-		2			132
Commercial real estate	-			-		-			-
Loans to individuals & overdrafts	-			-		-			-
1-to-4 family residential	-			-		1			47
Multi-family residential	-			-		-			-
HELOC	-			-		-			-
Total	-			-		5			335
Forgiveness of principal:
Commercial and industrial	-			-		-			-
Construction	-			-		-			-
Commercial real estate	-			-		-			-
Loans to individuals & overdrafts	-			-		-			-
1-to-4 family residential	-			-		-			-
Multi-family residential	-			-		-			-
HELOC	-			-		-			-
Total	-			-		-			-
Other:
Commercial and industrial	-			-		-			-
Construction	-			-		-			-
Commercial real estate	-			-		1			161
Loans to individuals & overdrafts	-			-		-			-
1-to-4 family residential	-			-		-			-
Multi-family residential	-			-		-			-
HELOC	-			-		-			-
Total	-			-		1			161
Total	-		$	-		6		$	496
Financing Receivable Credit Quality Indicators [Table Text Block]	'
	The following tables present information on risk ratings of the commercial and consumer loan portfolios, segregated by loan class as of September 30, 2014 and December 31, 2013, respectively:
	Total loans:
	September 30, 2014
	Commercial
	Credit
	Exposure By	Commercial						Commercial
	Internally	and						real			Multi-family
	Assigned Grade	industrial			Construction			estate			residential
	(In thousands)
	Superior	$	1,352		$	-		$	-		$	-
	Very good		991			-			-			3,600
	Good		3,533			2,523			15,611			3,957
	Acceptable		28,138			12,434			132,635			23,283
	Acceptable with care		17,722			63,135			78,335			8,785
	Special mention		202			67			5,131			1,342
	Substandard		471			1,223			4,960			948
	Doubtful		-			-			-			-
	Loss		-			-			-			-
		$	52,409		$	79,382		$	236,672		$	41,915
	Consumer Credit
	Exposure By
	Internally	1-to-4 family
	Assigned Grade	residential			HELOC
	Pass	$	83,501		$	36,560
	Special mention		4,033			112
	Substandard		4,371			1,086
		$	91,905		$	37,758
	Consumer Credit
	Exposure Based	Loans to
	On Payment	individuals &
	Activity	overdrafts
	Pass	$	6,941
	Non –pass		76
		$	7,017
	Total PCI loans:
	September 30, 2014
	Commercial
	Credit
	Exposure By	Commercial						Commercial
	Internally	and						real			Multi-family
	Assigned Grade	industrial			Construction			estate			residential
		(In thousands)
	Superior	$	-		$	-		$	-		$	-
	Very good		-			-			-			-
	Good		-			-			-			-
	Acceptable		-			-			-			-
	Acceptable with care		643			1,411			9,524			2,750
	Special mention		-			67			1,987			-
	Substandard		60			-			561			-
	Doubtful		-			-			-			-
	Loss		-			-			-			-
		$	703		$	1,478		$	12,072		$	2,750
	Consumer Credit
	Exposure By
	Internally	1-to-4 family
	Assigned Grade	residential			HELOC
	Pass	$	6,810		$	187
	Special mention		2,951			-
	Substandard		612			-
		$	10,373		$	187
	Consumer Credit
	Exposure Based	Loans to
	On Payment	individuals &
Activity	overdrafts
Pass	$	149
Non –pass		12
	$	161
Total loans, excluding PCI loans:
September 30, 2014
Commercial
Credit
Exposure By	Commercial						Commercial
Internally	and						real			Multi-family
Assigned Grade	industrial			Construction			estate			residential
	(In thousands)
Superior	$	1,352		$	-		$	-		$	-
Very good		991			-			-			3,600
Good		3,533			2,523			15,611			3,957
Acceptable		28,138			12,434			132,635			23,283
Acceptable with care		17,079			61,724			68,811			6,035
Special mention		202			-			3,144			1,342
Substandard		411			1,223			4,399			948
Doubtful		-			-			-			-
Loss		-			-			-			-
	$	51,706		$	77,904		$	224,600		$	39,165
Consumer Credit
Exposure By
Internally	1-to-4 family
Assigned Grade	residential			HELOC
Pass	$	76,691		$	36,373
Special mention		1,082			112
Substandard		3,759			1,086
	$	81,532		$	37,571
Consumer Credit
Exposure Based	Loans to
On Payment	individuals &
Activity	overdrafts
Pass	$	6,792
Non –pass		64
	$	6,856
December 31, 2013
Commercial
Credit
Exposure By	Commercial						Commercial
Internally	and						real			Multi-family
Assigned Grade	industrial			Construction			estate			residential
	(dollars in thousands)
Superior	$	830		$	40		$	-		$	-
Very good		-			-			-			-
Good		5,793			1,133			19,301			4,203
Acceptable		11,572			2,838			63,447			6,812
Acceptable with care		5,307			46,597			57,768			6,340
Special mention		5,122			1,126			21,305			1,380
Substandard		542			1,591			7,355			1,004
Doubtful		-			-			-			-
Loss		-			-			-			-
	$	29,166		$	53,325		$	169,176		$	19,739
Consumer Credit
Exposure By
Internally	1-to-4 family
Assigned Grade	residential			HELOC
Pass	$	29,364		$	30,116
Special mention		1,632			245
Substandard		4,010			1,502
	$	35,006		$	31,863
Consumer Credit
Exposure Based	Loans to
On Payment	individuals &
Activity	overdrafts
Pass	$	7,629
Non-pass		1,146
	$	8,775
Schedule of Certain Loans Acquired In Transfer Accounted For As Debt Securities Accretable Yield [Table Text Block]	'
	The following table documents changes to the amount of the accretable yield for the three months ended September 30, 2014 (dollars in thousands):
	Accretable yield, beginning of period	$	-
	Addition from Legacy Select acquisition		4,360
	Accretion		-256
	Reclassification from (to) nonaccretable difference		-
	Accretable yield, end of period	$	4,104
Allowance for Credit Losses on Financing Receivables [Table Text Block]	'
	The following tables present a roll forward of the Company’s allowance for loan losses by loan class for the three month and nine month periods ended September 30, 2014 and 2013, respectively:
		Three months ended September 30, 2014
		Commercial									1-to-4						Loans to		Multi-
		and						Commercial			family						individuals &		family
	Allowance for loan losses	industrial			Construction			real estate			residential			HELOC			overdrafts		residential		Total
		(In thousands)
	Balance, end of period 6/30/2014	$	523		$	1,002		$	2,903		$	588		$	1,009		$	156	$	266	$	6,447
	Provision (recovery) for loan losses		67			-15			188			-48			-137			44		6		105
	Loans charged-off		-			-4			-			-			-26			-37		-		-67
	Recoveries		5			2			6			12			14			5		-		44
	Balance, end of period 9/30/2014	$	595		$	985		$	3,097		$	552		$	860		$	168	$	272	$	6,529
	Ending balance: individually evaluated for impairment	$	66		$	81		$	455		$	29		$	54		$	20	$	-	$	705
	Ending balance: collectively evaluated for impairment	$	529		$	904		$	2,642		$	523		$	806		$	148	$	272	$	5,824
	Loans:
	Ending balance	$	52,409		$	79,382		$	236,672		$	91,905		$	37,758		$	7,017	$	41,915	$	547,058
	Ending balance: individually evaluated for impairment	$	381		$	1,575		$	5,766		$	2,944		$	964		$	21	$	2,290	$	13,941
	Ending balance: collectively evaluated for impairment	$	52,028		$	77,807		$	230,906		$	88,961		$	36,794		$	6,996	$	39,625	$	533,117
	There is no allowance for PCI loans as of September 30, 2014.
		Nine months ended September 30, 2014
		Commercial									1-to-4						Loans to		Multi-
		and						Commercial			family						individuals &		family
	Allowance for loan losses	industrial			Construction			real estate			residential			HELOC			overdrafts		residential		Total
		(In thousands)
	Balance, beginning of period 1/1/2014	$	245		$	565		$	4,599		$	826		$	680		$	65	$	74	$	7,054
	Provision (recovery) for loan losses		385			361			-1,536			-322			402			142		198		-370
	Loans charged-off		-63			-4			-			-1			-297			-57		-		-422
	Recoveries		28			63			34			49			75			18		-		267
	Balance, end of period 9/30/2014	$	595		$	985		$	3,097		$	552		$	860		$	168	$	272	$	6,529
	Ending balance: individually evaluated for impairment	$	66		$	81		$	455		$	29		$	54		$	20	$	-	$	705
	Ending balance: collectively evaluated for impairment	$	529		$	904		$	2,642		$	523		$	806		$	148	$	272	$	5,824
		Three months ended September 30, 2013
		Commercial									1-to-4						Loans to		Multi-
		and						Commercial			family						individuals &		family
	Allowance for loan losses	industrial			Construction			real estate			residential			HELOC			overdrafts		residential		Total
		(In thousands)
	Balance, end of period 6/30/2013	$	250		$	608		$	4,585		$	1,045		$	610		$	62	$	58	$	7,218
	Provision (recovery) for loan losses		-58			-56			218			-429			153			14		28		-130
	Loans charged-off		-1			-28			-206			-187			-192			-21		-		-635
	Recoveries		13			22			24			352			-14			8		-		405
	Balance, end of period 9/30/2013	$	204		$	546		$	4,621		$	781		$	557		$	63	$	86	$	6,858
	Ending balance: individually evaluated for impairment	$	7		$	43		$	361		$	75		$	117		$	2	$	-	$	605
	Ending balance: collectively evaluated for impairment	$	197		$	503		$	4,260		$	706		$	440		$	61	$	86	$	6,253
	Loans:
	Ending balance	$	29,233		$	51,950		$	174,746		$	34,157		$	32,206		$	8,194	$	19,145	$	349,631
	Ending balance: individually evaluated for impairment	$	642		$	2,347		$	9,233		$	4,110		$	930		$	11	$	2,395	$	19,668
	Ending balance: collectively evaluated for impairment	$	28,591		$	49,603		$	165,513		$	30,047		$	31,276		$	8,183	$	16,750	$	329,963
		Nine months ended September 30, 2013
		Commercial									1-to-4						Loans to		Multi-
		and						Commercial			family						individuals &		family
	Allowance for loan losses	industrial			Construction			real estate			residential			HELOC			overdrafts		residential		Total
		(In thousands)
	Balance, beginning of period 1/1/2013	$	278		$	798		$	4,946		$	1,070		$	627		$	72	$	106	$	7,897
	Provision (recovery) for loan losses		16			-246			-36			-353			99			-65		-20		-605
	Loans charged-off		-130			-28			-385			-309			-231			-65		-		-1,148
	Recoveries		40			22			96			373			62			121		-		714
	Balance, end of period 9/30/2013	$	204		$	546		$	4,621		$	781		$	557		$	63	$	86	$	6,858
	Ending balance: individually evaluated for impairment	$	7		$	43		$	361		$	75		$	117		$	2	$	-	$	605
	Ending balance: collectively evaluated for impairment	$	197		$	503		$	4,260		$	706		$	440		$	61	$	86	$	6,253

ACCUMULATED_OTHER_COMPREHENSIV1

ACCUMULATED OTHER COMPREHENSIVE INCOME (Tables)	9 Months Ended
	Sep. 30, 2014
Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract]	'
Schedule of Accumulated Other Comprehensive Income (Loss) [Table Text Block]	'
	The following table presents changes in accumulated other comprehensive income for the three months and nine months ended September 30, 2014 and 2013.
		Three Months Ended				Nine Months Ended
		September 30,				September 30,
		2014		2013		2014		2013
		(In thousands)
	Beginning balance	$	475	$	191	$	-108	$	1,078
	Unrealized gain (loss) on investment securities available for sale		145		-151		863		-1,630
	Tax effect		-54		51		-322		554
	Other comprehensive gain (loss) before reclassification		91		-100		541		-1,076
	Amounts reclassified from accumulated comprehensive income:
	Realized loss on investment securities included in net income		77		48		288		183
	Tax effect		-29		-16		-107		-62
	Total reclassifications net of tax		48		32		181		121
	Net current period other comprehensive income (loss)		139		-68		722		-955
	Ending balance	$	614	$	123	$	614	$	123

BASIS_OF_PRESENTATION_Details_

BASIS OF PRESENTATION (Details Textual) (USD $)	Sep. 30, 2014	Dec. 31, 2013		Sep. 30, 2013	Sep. 30, 2014
In Thousands, except Share data, unless otherwise specified				Subsidiary of Common Parent [Member]	Common Stock [Member]
Sale of Stock, Price Per Share	'	'		'	$1.83
Stock Issued During Period, Shares, New Issues	'	'		'	4,416,668
Assets	$784,983	$525,646	[1]	$265,300	'
[1]	Derived from audited consolidated financial statements.

PER_SHARE_RESULTS_Details

PER SHARE RESULTS (Details)	3 Months Ended		9 Months Ended
	Sep. 30, 2014	Sep. 30, 2013	Sep. 30, 2014	Sep. 30, 2013
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]	'	'	'	'
Weighted average shares used for basic net income available to common shareholders	10,195,846	6,921,352	8,025,706	6,917,958
Effect of dilutive stock options	116,239	2,790	105,771	1,549
Weighted average shares used for diluted net income available to common shareholders	10,312,085	6,924,142	8,131,477	6,919,507

PER_SHARE_RESULTS_Details_Text

PER SHARE RESULTS (Details Textual)	3 Months Ended		9 Months Ended
	Sep. 30, 2014	Sep. 30, 2013	Sep. 30, 2014	Sep. 30, 2013
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]	'	'	'	'
Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount	71,080	278,659	75,783	308,909

BUSINESS_COMBINATIONS_Details

BUSINESS COMBINATIONS (Details) (USD $)	Sep. 30, 2014	Jul. 25, 2014	Jun. 30, 2014	Dec. 31, 2013		Sep. 30, 2013	Jun. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Assets	'	'	'	'		'	'	'
Cash and cash equivalents	'	$15,406	'	'		'	'	'
Investment securities	'	27,980	'	'		'	'	'
Loans	'	217,590	'	'		'	'	'
Less: allowance for loan losses	-6,529	0	-6,447	-7,054	[1]	-6,858	-7,218	-7,897
Premises and equipment	'	6,712	'	'		'	'	'
Accrued interest receivable	'	732	'	'		'	'	'
Other real estate owned	'	71	'	'		'	'	'
Bank owned life insurance	'	2,234	'	'		'	'	'
Goodwill	5,003	0	'	0	[1]	'	'	'
Core deposit intangible	'	1,790	'	'		'	'	'
Other assets	'	4,422	'	'		'	'	'
Total assets acquired	276,937	276,937	'	0		'	'	'
Deposits:	'	'	'	'		'	'	'
Noninterest-bearing	'	42,507	'	'		'	'	'
Interest-bearing	'	179,700	'	'		'	'	'
Total deposits	'	222,207	'	'		'	'	'
Borrowings	'	23,106	'	'		'	'	'
Other liabilities	'	565	'	'		'	'	'
Total liabilities assumed	245,878	245,878	'	0		'	'	'
Fair value of net assets assumed	31,059	31,059	'	'		0	'	'
Goodwill recorded for Legacy Select	'	5,003	'	'		'	'	'
Fair Value Adjustments [Member]	'	'	'	'		'	'	'
Assets	'	'	'	'		'	'	'
Cash and cash equivalents	'	0	'	'		'	'	'
Investment securities	'	-284	'	'		'	'	'
Loans	'	-5,541	'	'		'	'	'
Less: allowance for loan losses	'	3,389	'	'		'	'	'
Premises and equipment	'	332	'	'		'	'	'
Accrued interest receivable	'	-132	'	'		'	'	'
Other real estate owned	'	0	'	'		'	'	'
Bank owned life insurance	'	0	'	'		'	'	'
Goodwill	'	-1,488	'	'		'	'	'
Core deposit intangible	'	1,556	'	'		'	'	'
Other assets	'	1,915	'	'		'	'	'
Total assets acquired	'	-253	'	'		'	'	'
Deposits:	'	'	'	'		'	'	'
Noninterest-bearing	'	0	'	'		'	'	'
Interest-bearing	'	2,175	'	'		'	'	'
Total deposits	'	2,175	'	'		'	'	'
Borrowings	'	908	'	'		'	'	'
Other liabilities	'	0	'	'		'	'	'
Total liabilities assumed	'	3,083	'	'		'	'	'
Legacy Select [Member]	'	'	'	'		'	'	'
Assets	'	'	'	'		'	'	'
Cash and cash equivalents	'	15,406	'	'		'	'	'
Investment securities	'	28,264	'	'		'	'	'
Loans	'	223,131	'	'		'	'	'
Less: allowance for loan losses	'	-3,389	'	'		'	'	'
Premises and equipment	'	6,380	'	'		'	'	'
Accrued interest receivable	'	864	'	'		'	'	'
Other real estate owned	'	71	'	'		'	'	'
Bank owned life insurance	'	2,234	'	'		'	'	'
Goodwill	'	1,488	'	'		'	'	'
Core deposit intangible	'	234	'	'		'	'	'
Other assets	'	2,507	'	'		'	'	'
Total assets acquired	'	277,190	'	'		'	'	'
Deposits:	'	'	'	'		'	'	'
Noninterest-bearing	'	42,507	'	'		'	'	'
Interest-bearing	'	177,525	'	'		'	'	'
Total deposits	'	220,032	'	'		'	'	'
Borrowings	'	22,198	'	'		'	'	'
Other liabilities	'	565	'	'		'	'	'
Total liabilities assumed	'	242,795	'	'		'	'	'
Employee Stock Option [Member]	'	'	'	'		'	'	'
Deposits:	'	'	'	'		'	'	'
Business Acquisition, Equity Interest Issued or Issuable, Value Assigned	'	179	'	'		'	'	'
Common Stock [Member]	'	'	'	'		'	'	'
Deposits:	'	'	'	'		'	'	'
Business Acquisition, Equity Interest Issued or Issuable, Value Assigned	'	28,238	'	'		'	'	'
Preferred Stock [Member]	'	'	'	'		'	'	'
Deposits:	'	'	'	'		'	'	'
Business Acquisition, Equity Interest Issued or Issuable, Value Assigned	'	$7,645	'	'		'	'	'
[1]	Derived from audited consolidated financial statements.

BUSINESS_COMBINATIONS_Details_

BUSINESS COMBINATIONS (Details 1) (USD $)	Jul. 25, 2014
In Thousands, unless otherwise specified
Contractually required payments	$34,329
Nonaccretable difference	1,402
Cash flows expected to be collected	32,927
Accretable yield	4,360
Fair value at acquisition date	$28,567

BUSINESS_COMBINATIONS_Details_1

BUSINESS COMBINATIONS (Details 2) (USD $)	3 Months Ended		9 Months Ended
In Thousands, except Share data, unless otherwise specified	Sep. 30, 2014	Sep. 30, 2013	Sep. 30, 2014	Sep. 30, 2013
Net interest income	$6,372	$4,301	$14,738	$13,375
Non-interest income	650	575	1,628	1,814
Net income	194	649	1,079	2,702
Earnings per share, basic	$0.02	$0.09	$0.13	$0.39
Earnings per share, diluted	$0.02	$0.09	$0.13	$0.39
Weighted average common shares outstanding, basic	10,195,846	6,921,352	8,025,706	6,917,958
Weighted average common shares outstanding, diluted	10,312,085	6,924,142	8,131,477	6,919,507
Restatement Adjustment [Member]	'	'	'	'
Net interest income	6,968	6,664	20,074	20,328
Non-interest income	1,157	892	2,863	2,876
Net income	$845	$1,239	$3,476	$4,385
Earnings per share, basic	$0.07	$0.11	$0.31	$0.39
Earnings per share, diluted	$0.07	$0.11	$0.30	$0.38
Weighted average common shares outstanding, basic	11,349,368	11,292,404	11,349,368	11,292,404
Weighted average common shares outstanding, diluted	11,478,758	11,427,956	11,478,758	11,427,956

BUSINESS_COMBINATIONS_Details_2

BUSINESS COMBINATIONS (Details 3) (USD $)	9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2014
Total merger-related expense	$1,723
Personnel [Member]	'
Total merger-related expense	2
Legal and professional [Member]	'
Total merger-related expense	452
Marketing [Member]	'
Total merger-related expense	63
Stationery, printing and supplies [Member]	'
Total merger-related expense	31
Travel, dues and subscriptions [Member]	'
Total merger-related expense	39
Others [Member]	'
Total merger-related expense	1
Furniture and Fixtures [Member]	'
Total merger-related expense	8
Technology Equipment [Member]	'
Total merger-related expense	$1,127

BUSINESS_COMBINATIONS_Details_3

BUSINESS COMBINATIONS (Details Textual) (USD $)	9 Months Ended	12 Months Ended
	Sep. 30, 2014	Dec. 31, 2013	Jul. 25, 2014
Business Combination, Acquisition Related Costs	'	$428,000	'
Share Based Compensation Arrangement by Acquirer Share Based Payment Award Options Converted Number	'	'	370,427
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Number	370,427	'	'
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Remaining Contractual Term	'3 years 10 months 2 days	'	'
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Intrinsic Value	1,200,000	'	'
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Number	370,427	'	'
Certain Loans Acquired in Transfer Accounted for as Debt Securities, Acquired During Period, at Acquisition, at Fair Value	'	'	28,567,000
Certain Loans Acquired in Transfer Accounted for as Debt Securities, Acquired During Period, Contractually Required Payments Receivable at Acquisition	'	'	34,329,000
Legacy Select [Member]	'	'	'
Share Based Compensation Arrangement by Acquiree Share Based Payment Award Options Converted Number	'	'	202,842
Purchased Credit Impaired Loans [Member]	'	'	'
Certain Loans Acquired in Transfer Accounted for as Debt Securities, Acquired During Period, at Acquisition, at Fair Value	'	'	28,600,000
Certain Loans Acquired in Transfer Accounted for as Debt Securities, Acquired During Period, Contractually Required Payments Receivable at Acquisition	'	'	34,300,000
Performing Loans [Member]	'	'	'
Certain Loans Acquired in Transfer Accounted for as Debt Securities, Acquired During Period, at Acquisition, at Fair Value	'	'	189,000,000
Certain Loans Acquired in Transfer Accounted for as Debt Securities, Acquired During Period, Contractually Required Payments Receivable at Acquisition	'	'	$231,800,000

FAIR_VALUE_MEASUREMENTS_Detail

FAIR VALUE MEASUREMENTS (Details) (USD $)	Sep. 30, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Assets, Fair Value Disclosure, Recurring	$103,437	$83,836
US Government Agencies Debt Securities [Member]	'	'
Assets, Fair Value Disclosure, Recurring	27,393	34,665
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member]	'	'
Assets, Fair Value Disclosure, Recurring	55,002	41,065
Municipal Bonds [Member]	'	'
Assets, Fair Value Disclosure, Recurring	21,042	8,106
Fair Value, Inputs, Level 1 [Member]	'	'
Assets, Fair Value Disclosure, Recurring	0	0
Fair Value, Inputs, Level 1 [Member] | US Government Agencies Debt Securities [Member]	'	'
Assets, Fair Value Disclosure, Recurring	0	0
Fair Value, Inputs, Level 1 [Member] | Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member]	'	'
Assets, Fair Value Disclosure, Recurring	0	0
Fair Value, Inputs, Level 1 [Member] | Municipal Bonds [Member]	'	'
Assets, Fair Value Disclosure, Recurring	0	0
Fair Value, Inputs, Level 2 [Member]	'	'
Assets, Fair Value Disclosure, Recurring	103,437	83,836
Fair Value, Inputs, Level 2 [Member] | US Government Agencies Debt Securities [Member]	'	'
Assets, Fair Value Disclosure, Recurring	27,393	34,665
Fair Value, Inputs, Level 2 [Member] | Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member]	'	'
Assets, Fair Value Disclosure, Recurring	55,002	41,065
Fair Value, Inputs, Level 2 [Member] | Municipal Bonds [Member]	'	'
Assets, Fair Value Disclosure, Recurring	21,042	8,106
Fair Value, Inputs, Level 3 [Member]	'	'
Assets, Fair Value Disclosure, Recurring	0	0
Fair Value, Inputs, Level 3 [Member] | US Government Agencies Debt Securities [Member]	'	'
Assets, Fair Value Disclosure, Recurring	0	0
Fair Value, Inputs, Level 3 [Member] | Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member]	'	'
Assets, Fair Value Disclosure, Recurring	0	0
Fair Value, Inputs, Level 3 [Member] | Municipal Bonds [Member]	'	'
Assets, Fair Value Disclosure, Recurring	$0	$0

FAIR_VALUE_MEASUREMENTS_Detail1

FAIR VALUE MEASUREMENTS (Details 1) (USD $)	Sep. 30, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Assets, Fair Value Disclosure, Nonrecurring	$6,120	$10,485
Impaired Loans [Member]	'	'
Assets, Fair Value Disclosure, Nonrecurring	4,433	8,477
Foreclosed Real Estate [Member]	'	'
Assets, Fair Value Disclosure, Nonrecurring	1,687	2,008
Fair Value, Inputs, Level 1 [Member]	'	'
Assets, Fair Value Disclosure, Nonrecurring	0	0
Fair Value, Inputs, Level 1 [Member] | Impaired Loans [Member]	'	'
Assets, Fair Value Disclosure, Nonrecurring	0	0
Fair Value, Inputs, Level 1 [Member] | Foreclosed Real Estate [Member]	'	'
Assets, Fair Value Disclosure, Nonrecurring	0	0
Fair Value, Inputs, Level 2 [Member]	'	'
Assets, Fair Value Disclosure, Nonrecurring	0	0
Fair Value, Inputs, Level 2 [Member] | Impaired Loans [Member]	'	'
Assets, Fair Value Disclosure, Nonrecurring	0	0
Fair Value, Inputs, Level 2 [Member] | Foreclosed Real Estate [Member]	'	'
Assets, Fair Value Disclosure, Nonrecurring	0	0
Fair Value, Inputs, Level 3 [Member]	'	'
Assets, Fair Value Disclosure, Nonrecurring	6,120	10,485
Fair Value, Inputs, Level 3 [Member] | Impaired Loans [Member]	'	'
Assets, Fair Value Disclosure, Nonrecurring	4,433	8,477
Fair Value, Inputs, Level 3 [Member] | Foreclosed Real Estate [Member]	'	'
Assets, Fair Value Disclosure, Nonrecurring	$1,687	$2,008

FAIR_VALUE_MEASUREMENTS_Detail2

FAIR VALUE MEASUREMENTS (Details 2) (USD $)	Sep. 30, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Financial assets:	'	'
Cash and due from banks	$33,641	$20,151	[1]
Interest-earning deposits in other banks	37,064	49,690
Federal funds sold and Repurchase agreements	23,029	3,028	[1]
Investment securities available for sale	103,437	83,836
Loans, net	539,946	339,446
Accrued interest receivable	2,258	1,650	[1]
Stock in the FHLB	1,626	796	[1]
Other non-marketable securities	1,021	1,055
Financial liabilities:	'	'
Deposits	644,093	448,458	[1]
Short-term debt	18,077	6,305	[1]
Long-term debt	26,049	12,372	[1]
Accrued interest payable	290	225	[1]
Fair Value, Inputs, Level 1 [Member]	'	'
Financial assets:	'	'
Cash and due from banks	33,641	20,151
Interest-earning deposits in other banks	37,064	49,690
Federal funds sold and Repurchase agreements	23,029	3,028
Investment securities available for sale	0	0
Loans, net	0	0
Accrued interest receivable	0	0
Stock in the FHLB	0	0
Other non-marketable securities	0	0
Financial liabilities:	'	'
Deposits	0	0
Short-term debt	0	0
Long-term debt	0	0
Accrued interest payable	0	0
Fair Value, Inputs, Level 2 [Member]	'	'
Financial assets:	'	'
Cash and due from banks	0	0
Interest-earning deposits in other banks	0	0
Federal funds sold and Repurchase agreements	0	0
Investment securities available for sale	103,437	83,836
Loans, net	0	0
Accrued interest receivable	0	0
Stock in the FHLB	0	0
Other non-marketable securities	0	0
Financial liabilities:	'	'
Deposits	646,867	452,529
Short-term debt	18,077	6,305
Long-term debt	26,049	7,517
Accrued interest payable	0	0
Fair Value, Inputs, Level 3 [Member]	'	'
Financial assets:	'	'
Cash and due from banks	0	0
Interest-earning deposits in other banks	0	0
Federal funds sold and Repurchase agreements	0	0
Investment securities available for sale	0	0
Loans, net	550,722	353,439
Accrued interest receivable	2,258	1,650
Stock in the FHLB	1,626	796
Other non-marketable securities	1,021	1,055
Financial liabilities:	'	'
Deposits	0	0
Short-term debt	0	0
Long-term debt	0	0
Accrued interest payable	290	225
Estimate of Fair Value Measurement [Member]	'	'
Financial assets:	'	'
Cash and due from banks	33,641	20,151
Interest-earning deposits in other banks	37,064	49,690
Federal funds sold and Repurchase agreements	23,029	3,028
Investment securities available for sale	103,437	83,836
Loans, net	550,722	353,439
Accrued interest receivable	2,258	1,650
Stock in the FHLB	1,626	796
Other non-marketable securities	1,021	1,055
Financial liabilities:	'	'
Deposits	646,867	452,529
Short-term debt	18,077	6,305
Long-term debt	26,049	7,517
Accrued interest payable	$290	$225
[1]	Derived from audited consolidated financial statements.

FAIR_VALUE_MEASUREMENTS_Detail3

FAIR VALUE MEASUREMENTS (Details Textual) (USD $)	Sep. 30, 2014	Dec. 31, 2013
Impaired Loans Receivable	$13,900,000	$19,000,000
Assets, Fair Value Disclosure, Nonrecurring	6,120,000	10,485,000
Impaired Loans Required for Specific Reserves	3,900,000	7,400,000
Impaired Loans Specific Reserves	705,000	1,100,000
Other Impaired Loans Without Specific Reserves	1,300,000	2,500,000
Minimum [Member]	'	'
Percentage Of Discount From Impaired Loans	5.00%	'
Percentage Of Discount From Foreclosed Real Estate	6.00%	'
Maximum [Member]	'	'
Percentage Of Discount From Impaired Loans	50.00%	'
Percentage Of Discount From Foreclosed Real Estate	10.00%	'
Impaired Loans [Member]	'	'
Assets, Fair Value Disclosure, Nonrecurring	4,433,000	8,477,000
Impaired Loans [Member] | Fair Value, Measurements, Nonrecurring [Member]	'	'
Assets, Fair Value Disclosure, Nonrecurring	4,400,000	9,900,000
Foreclosed Real Estate [Member]	'	'
Assets, Fair Value Disclosure, Nonrecurring	$1,687,000	$2,008,000

INVESTMENT_SECURITIES_Details

INVESTMENT SECURITIES (Details) (USD $)	9 Months Ended	12 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2014	Dec. 31, 2013
Investments Classified By Contractual Maturity Date [Line Items]	'	'
Available-for-sale Securities, Amortized Cost Total	$102,457	$84,009
Available-for-sale Securities, Fair Value Total	103,437	83,836	[1]
Available-for-sale Securities, Gross unrealized gains, Total	1,582	1,000
Available-for-sale Securities, Gross Unrealized Loss, Total	-602	-1,173
Us Government Agencies Debt Securities [Member]	'	'
Investments Classified By Contractual Maturity Date [Line Items]	'	'
Amortized cost Within 1 year	8,619	10,520
Gross unrealized gains Within 1 year	20	25
Gross unrealized losses Within 1 year	0	0
Fair value Within 1 year	8,639	10,545
Amortized cost After 1 year but within 5 years	1,978	8,820
Gross unrealized gains After 1 year but within 5 years	3	17
Gross unrealized losses After 1 year but within 5 years	-1	-10
Fair value After 1 year but within 5 years	1,980	8,827
Amortized cost After 5 years but within 10 years	12,576	7,376
Gross unrealized gains After 5 years but within 10 years	28	0
Gross unrealized losses After 5 years but within 10 years	-326	-549
Fair value After 5 years but within 10 years	12,278	6,827
Amortized cost After 10 years	4,562	8,524
Gross unrealized gains After 10 years	0	11
Gross unrealized losses After 10 years	-66	-69
Fair value After 10 years	4,496	8,466
Mortgage-Backed Securities, Issued By Us Government Sponsored Enterprises [Member]	'	'
Investments Classified By Contractual Maturity Date [Line Items]	'	'
Amortized cost Within 1 year	29	133
Gross unrealized gains Within 1 year	2	7
Gross unrealized losses Within 1 year	0	0
Fair value Within 1 year	31	140
Amortized cost After 1 year but within 5 years	35,282	35,352
Gross unrealized gains After 1 year but within 5 years	828	659
Gross unrealized losses After 1 year but within 5 years	-86	-155
Fair value After 1 year but within 5 years	36,024	35,856
Amortized cost After 5 years but within 10 years	16,017	5,316
Gross unrealized gains After 5 years but within 10 years	67	0
Gross unrealized losses After 5 years but within 10 years	-108	-247
Fair value After 5 years but within 10 years	15,976	5,069
Amortized cost After 10 years	2,964	'
Gross unrealized gains After 10 years	9	'
Gross unrealized losses After 10 years	-2	'
Fair value After 10 years	2,971	'
Municipal Bonds [Member]	'	'
Investments Classified By Contractual Maturity Date [Line Items]	'	'
Amortized cost Within 1 year	576	100
Gross unrealized gains Within 1 year	6	1
Gross unrealized losses Within 1 year	0	0
Fair value Within 1 year	582	101
Amortized cost After 1 year but within 5 years	3,798	3,036
Gross unrealized gains After 1 year but within 5 years	191	196
Gross unrealized losses After 1 year but within 5 years	0	0
Fair value After 1 year but within 5 years	3,989	3,232
Amortized cost After 5 years but within 10 years	6,324	3,306
Gross unrealized gains After 5 years but within 10 years	186	30
Gross unrealized losses After 5 years but within 10 years	-2	-112
Fair value After 5 years but within 10 years	6,508	3,224
Amortized cost After 10 years	9,732	1,526
Gross unrealized gains After 10 years	242	54
Gross unrealized losses After 10 years	-11	-31
Fair value After 10 years	$9,963	$1,549
[1]	Derived from audited consolidated financial statements.

INVESTMENT_SECURITIES_Details_

INVESTMENT SECURITIES (Details 1) (USD $)	9 Months Ended	12 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2014	Dec. 31, 2013
US Government Agencies Debt Securities [Member]	'	'
Securities available for sale:	'	'
Less Than 12 Months Fair value	$736	$11,908
Less than 12 Months Unrealized losses	-1	-239
12 Months or More Fair value	12,701	3,611
12 Months or More Unrealized losses	-392	-389
Total Fair value	13,437	15,519
Total Unrealized losses	-393	-628
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member]	'	'
Securities available for sale:	'	'
Less Than 12 Months Fair value	10,832	21,762
Less than 12 Months Unrealized losses	-81	-312
12 Months or More Fair value	4,701	1,777
12 Months or More Unrealized losses	-115	-90
Total Fair value	15,533	23,539
Total Unrealized losses	-196	-402
Municipal Bonds [Member]	'	'
Securities available for sale:	'	'
Less Than 12 Months Fair value	861	2,719
Less than 12 Months Unrealized losses	-11	-143
12 Months or More Fair value	112	0
12 Months or More Unrealized losses	-2	0
Total Fair value	973	2,719
Total Unrealized losses	-13	-143
Temporarily Impaired Securities [Member]	'	'
Securities available for sale:	'	'
Less Than 12 Months Fair value	12,429	36,389
Less than 12 Months Unrealized losses	-93	-694
12 Months or More Fair value	17,514	5,388
12 Months or More Unrealized losses	-509	-479
Total Fair value	29,943	41,777
Total Unrealized losses	($602)	($1,173)

INVESTMENT_SECURITIES_Details_1

INVESTMENT SECURITIES (Details Textual) (USD $)	9 Months Ended	12 Months Ended
	Sep. 30, 2014	Dec. 31, 2013
Investment Securities [Line Items]	'	'
Available-for-sale Securities, Gross Unrealized Gain (Loss)	$980,000	$173,000
Deferred Income Taxes and Other Liabilities, Noncurrent	$258,000	$65,000
Trading Securities, Description	'Eight U.S. government agency GSEs, four mortgage-backed GSEs, and one municipal bond had unrealized losses for more than twelve months totaling $509,000 at September 30, 2014. One U.S. government agency GSE, seven mortgage-backed GSEs, and two municipal bonds had unrealized losses for less than twelve months totaling $93,000 at September 30, 2014.	'Two U.S. government agency GSEs and one mortgage-backed GSE had unrealized losses for more than twelve months totaling $479,000 at December 31, 2013. Eight U.S. government agency GSEs, nineteen mortgage-backed GSEs, and three municipal bonds had unrealized losses for less than twelve months totaling $694,000 at December 31, 2013.

LOANS_Details

LOANS (Details) (USD $)	Sep. 30, 2014	Jul. 25, 2014	Jun. 30, 2014	Dec. 31, 2013		Sep. 30, 2013	Jun. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'	'		'	'	'
Total loans	$546,475	'	'	$346,500	[1]	$349,631	'	'
Allowance for loan losses	-6,529	0	-6,447	-7,054	[1]	-6,858	-7,218	-7,897
Total loans, net	539,946	'	'	339,446	[1]	'	'	'
Total Loans [Member]	'	'	'	'		'	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'	'		'	'	'
Gross loans	547,058	'	'	347,050		'	'	'
Less deferred loan origination fees, net	-583	'	'	-550		'	'	'
Total loans	546,475	'	'	346,500		'	'	'
Allowance for loan losses	-6,529	'	'	-7,054		'	'	'
Total loans, net	539,946	'	'	339,446		'	'	'
Percentage of Deferred Origination Fees	-0.11%	'	'	-0.16%		'	'	'
Percent of Loans	100.00%	'	'	100.00%		'	'	'
Purchase Credit Impairment Loans [Member]	'	'	'	'		'	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'	'		'	'	'
Gross loans	27,724	'	'	'		'	'	'
Less deferred loan origination fees, net	0	'	'	'		'	'	'
Total loans	27,724	'	'	'		'	'	'
Allowance for loan losses	0	'	'	'		'	'	'
Total loans, net	27,724	'	'	'		'	'	'
Percentage of Deferred Origination Fees	0.00%	'	'	'		'	'	'
Percent of Loans	100.00%	'	'	'		'	'	'
Excluding Purchase Credit Impairment Loans [Member]	'	'	'	'		'	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'	'		'	'	'
Gross loans	519,334	'	'	0		'	'	'
Less deferred loan origination fees, net	-583	'	'	-550		'	'	'
Total loans	518,751	'	'	346,500		'	'	'
Allowance for loan losses	-6,529	'	'	-7,054		'	'	'
Total loans, net	512,222	'	'	339,446		'	'	'
Percentage of Deferred Origination Fees	-0.11%	'	'	-0.16%		'	'	'
Percent of Loans	100.00%	'	'	100.00%		'	'	'
Family Residential Real Estate 1 to 4 [Member]	'	'	'	'		'	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'	'		'	'	'
Total loans	91,905	'	'	35,006		34,157	'	'
Allowance for loan losses	-552	'	-588	-826		-781	-1,045	-1,070
Family Residential Real Estate 1 to 4 [Member] | Total Loans [Member]	'	'	'	'		'	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'	'		'	'	'
Gross loans	91,905	'	'	35,006		'	'	'
Total loans	91,905	'	'	'		'	'	'
Percent of Loans	16.82%	'	'	10.10%		'	'	'
Family Residential Real Estate 1 to 4 [Member] | Purchase Credit Impairment Loans [Member]	'	'	'	'		'	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'	'		'	'	'
Gross loans	10,373	'	'	'		'	'	'
Total loans	10,373	'	'	'		'	'	'
Percent of Loans	37.42%	'	'	'		'	'	'
Family Residential Real Estate 1 to 4 [Member] | Excluding Purchase Credit Impairment Loans [Member]	'	'	'	'		'	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'	'		'	'	'
Gross loans	81,532	'	'	35,006		'	'	'
Total loans	81,532	'	'	35,006		'	'	'
Percent of Loans	15.72%	'	'	10.10%		'	'	'
Commercial Real Estate [Member]	'	'	'	'		'	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'	'		'	'	'
Total loans	236,672	'	'	169,176		174,746	'	'
Allowance for loan losses	-3,097	'	-2,903	-4,599		-4,621	-4,585	-4,946
Commercial Real Estate [Member] | Total Loans [Member]	'	'	'	'		'	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'	'		'	'	'
Gross loans	236,672	'	'	169,176		'	'	'
Total loans	236,672	'	'	'		'	'	'
Percent of Loans	43.31%	'	'	48.82%		'	'	'
Commercial Real Estate [Member] | Purchase Credit Impairment Loans [Member]	'	'	'	'		'	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'	'		'	'	'
Gross loans	12,072	'	'	'		'	'	'
Total loans	12,072	'	'	'		'	'	'
Percent of Loans	43.54%	'	'	'		'	'	'
Commercial Real Estate [Member] | Excluding Purchase Credit Impairment Loans [Member]	'	'	'	'		'	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'	'		'	'	'
Gross loans	224,600	'	'	169,176		'	'	'
Total loans	224,600	'	'	169,176		'	'	'
Percent of Loans	43.29%	'	'	48.82%		'	'	'
Multi Family Residential Real Estate [Member]	'	'	'	'		'	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'	'		'	'	'
Total loans	41,915	'	'	19,739		19,145	'	'
Allowance for loan losses	-272	'	-266	-74		-86	-58	-106
Multi Family Residential Real Estate [Member] | Total Loans [Member]	'	'	'	'		'	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'	'		'	'	'
Gross loans	41,915	'	'	19,739		'	'	'
Total loans	41,915	'	'	'		'	'	'
Percent of Loans	7.67%	'	'	5.70%		'	'	'
Multi Family Residential Real Estate [Member] | Purchase Credit Impairment Loans [Member]	'	'	'	'		'	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'	'		'	'	'
Gross loans	2,750	'	'	'		'	'	'
Total loans	2,750	'	'	'		'	'	'
Percent of Loans	9.92%	'	'	'		'	'	'
Multi Family Residential Real Estate [Member] | Excluding Purchase Credit Impairment Loans [Member]	'	'	'	'		'	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'	'		'	'	'
Gross loans	39,165	'	'	19,739		'	'	'
Total loans	39,165	'	'	19,739		'	'	'
Percent of Loans	7.55%	'	'	5.70%		'	'	'
Construction Loans Real Estate [Member]	'	'	'	'		'	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'	'		'	'	'
Total loans	79,382	'	'	'		51,950	'	'
Allowance for loan losses	-985	'	-1,002	-565		-546	-608	-798
Construction Loans Real Estate [Member] | Total Loans [Member]	'	'	'	'		'	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'	'		'	'	'
Gross loans	79,382	'	'	53,325		'	'	'
Total loans	79,382	'	'	'		'	'	'
Percent of Loans	14.52%	'	'	15.39%		'	'	'
Construction Loans Real Estate [Member] | Purchase Credit Impairment Loans [Member]	'	'	'	'		'	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'	'		'	'	'
Gross loans	1,478	'	'	'		'	'	'
Total loans	1,478	'	'	'		'	'	'
Percent of Loans	5.33%	'	'	'		'	'	'
Construction Loans Real Estate [Member] | Excluding Purchase Credit Impairment Loans [Member]	'	'	'	'		'	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'	'		'	'	'
Gross loans	77,904	'	'	53,325		'	'	'
Total loans	77,904	'	'	53,325		'	'	'
Percent of Loans	15.02%	'	'	15.39%		'	'	'
Home Equity Line of Credit [Member]	'	'	'	'		'	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'	'		'	'	'
Total loans	37,758	'	'	31,863		32,206	'	'
Allowance for loan losses	-860	'	-1,009	-680		-557	-610	-627
Home Equity Line of Credit [Member] | Total Loans [Member]	'	'	'	'		'	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'	'		'	'	'
Gross loans	37,758	'	'	31,863		'	'	'
Total loans	37,758	'	'	'		'	'	'
Percent of Loans	6.91%	'	'	9.20%		'	'	'
Home Equity Line of Credit [Member] | Purchase Credit Impairment Loans [Member]	'	'	'	'		'	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'	'		'	'	'
Gross loans	187	'	'	'		'	'	'
Total loans	187	'	'	'		'	'	'
Percent of Loans	0.67%	'	'	'		'	'	'
Home Equity Line of Credit [Member] | Excluding Purchase Credit Impairment Loans [Member]	'	'	'	'		'	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'	'		'	'	'
Gross loans	37,571	'	'	31,863		'	'	'
Total loans	37,571	'	'	31,863		'	'	'
Percent of Loans	7.24%	'	'	9.20%		'	'	'
Real Estate [Member] | Total Loans [Member]	'	'	'	'		'	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'	'		'	'	'
Gross loans	487,632	'	'	309,109		'	'	'
Percent of Loans	89.23%	'	'	89.21%		'	'	'
Real Estate [Member] | Purchase Credit Impairment Loans [Member]	'	'	'	'		'	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'	'		'	'	'
Gross loans	26,860	'	'	'		'	'	'
Percent of Loans	96.88%	'	'	'		'	'	'
Real Estate [Member] | Excluding Purchase Credit Impairment Loans [Member]	'	'	'	'		'	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'	'		'	'	'
Gross loans	460,772	'	'	309,109		'	'	'
Percent of Loans	88.82%	'	'	89.21%		'	'	'
Commercial and Industrial Other [Member]	'	'	'	'		'	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'	'		'	'	'
Total loans	52,409	'	'	29,166		29,233	'	'
Allowance for loan losses	-595	'	-523	-245		-204	-250	-278
Commercial and Industrial Other [Member] | Total Loans [Member]	'	'	'	'		'	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'	'		'	'	'
Gross loans	52,409	'	'	29,166		'	'	'
Total loans	52,409	'	'	'		'	'	'
Percent of Loans	9.59%	'	'	8.42%		'	'	'
Commercial and Industrial Other [Member] | Purchase Credit Impairment Loans [Member]	'	'	'	'		'	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'	'		'	'	'
Gross loans	703	'	'	'		'	'	'
Total loans	703	'	'	'		'	'	'
Percent of Loans	2.54%	'	'	'		'	'	'
Commercial and Industrial Other [Member] | Excluding Purchase Credit Impairment Loans [Member]	'	'	'	'		'	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'	'		'	'	'
Gross loans	51,706	'	'	29,166		'	'	'
Total loans	51,706	'	'	29,166		'	'	'
Percent of Loans	9.97%	'	'	8.42%		'	'	'
Loans to Individuals [Member] | Total Loans [Member]	'	'	'	'		'	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'	'		'	'	'
Gross loans	6,925	'	'	8,584		'	'	'
Percent of Loans	1.27%	'	'	2.48%		'	'	'
Loans to Individuals [Member] | Purchase Credit Impairment Loans [Member]	'	'	'	'		'	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'	'		'	'	'
Gross loans	161	'	'	'		'	'	'
Percent of Loans	0.58%	'	'	'		'	'	'
Loans to Individuals [Member] | Excluding Purchase Credit Impairment Loans [Member]	'	'	'	'		'	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'	'		'	'	'
Gross loans	6,764	'	'	8,584		'	'	'
Percent of Loans	1.30%	'	'	2.48%		'	'	'
Overdrafts [Member] | Total Loans [Member]	'	'	'	'		'	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'	'		'	'	'
Gross loans	92	'	'	191		'	'	'
Percent of Loans	0.02%	'	'	0.05%		'	'	'
Overdrafts [Member] | Excluding Purchase Credit Impairment Loans [Member]	'	'	'	'		'	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'	'		'	'	'
Gross loans	92	'	'	191		'	'	'
Percent of Loans	0.02%	'	'	0.05%		'	'	'
Other Loans [Member] | Total Loans [Member]	'	'	'	'		'	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'	'		'	'	'
Gross loans	59,426	'	'	37,941		'	'	'
Percent of Loans	10.88%	'	'	10.95%		'	'	'
Other Loans [Member] | Purchase Credit Impairment Loans [Member]	'	'	'	'		'	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'	'		'	'	'
Gross loans	864	'	'	'		'	'	'
Percent of Loans	3.12%	'	'	'		'	'	'
Other Loans [Member] | Excluding Purchase Credit Impairment Loans [Member]	'	'	'	'		'	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'	'		'	'	'
Gross loans	$58,562	'	'	$37,941		'	'	'
Percent of Loans	11.29%	'	'	10.95%		'	'	'
[1]	Derived from audited consolidated financial statements.

LOANS_Details_1

LOANS (Details 1) (USD $)	Sep. 30, 2014	Dec. 31, 2013		Sep. 30, 2013
In Thousands, unless otherwise specified
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'		'
Total Loans	$546,475	$346,500	[1]	$349,631
Total Loans [Member]	'	'		'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'		'
30+ Days Past Due	1,958	'		'
Non-Accrual Loans	7,263	'		'
Total Past Due	9,221	'		'
Current	537,837	'		'
Deferred loan (fees) cost, net	-583	-550		'
Total Loans	546,475	346,500		'
Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'		'
30+ Days Past Due	317	'		'
Non-Accrual Loans	0	'		'
Total Past Due	317	'		'
Current	27,407	'		'
Deferred loan (fees) cost, net	0	'		'
Total Loans	27,724	'		'
Excluding Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'		'
30+ Days Past Due	1,641	874		'
Non-Accrual Loans	7,263	9,319		'
Total Past Due	8,904	10,193		'
Current	510,430	336,857		'
Deferred loan (fees) cost, net	-583	-550		'
Total Loans	518,751	346,500		'
Commercial and Industrial [Member]	'	'		'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'		'
Total Loans	52,409	29,166		29,233
Commercial and Industrial [Member] | Total Loans [Member]	'	'		'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'		'
30+ Days Past Due	138	'		'
Non-Accrual Loans	265	'		'
Total Past Due	403	'		'
Current	52,006	'		'
Total Loans	52,409	'		'
Commercial and Industrial [Member] | Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'		'
30+ Days Past Due	0	'		'
Non-Accrual Loans	0	'		'
Total Past Due	0	'		'
Current	703	'		'
Total Loans	703	'		'
Commercial and Industrial [Member] | Excluding Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'		'
30+ Days Past Due	138	70		'
Non-Accrual Loans	265	330		'
Total Past Due	403	400		'
Current	51,303	28,766		'
Total Loans	51,706	29,166		'
Construction Loans Real Estate [Member]	'	'		'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'		'
Total Loans	79,382	'		51,950
Construction Loans Real Estate [Member] | Total Loans [Member]	'	'		'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'		'
30+ Days Past Due	0	'		'
Non-Accrual Loans	821	'		'
Total Past Due	821	'		'
Current	78,561	'		'
Total Loans	79,382	'		'
Construction Loans Real Estate [Member] | Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'		'
30+ Days Past Due	0	'		'
Non-Accrual Loans	0	'		'
Total Past Due	0	'		'
Current	1,478	'		'
Total Loans	1,478	'		'
Construction Loans Real Estate [Member] | Excluding Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'		'
30+ Days Past Due	0	36		'
Non-Accrual Loans	821	1,206		'
Total Past Due	821	1,242		'
Current	77,083	52,083		'
Total Loans	77,904	53,325		'
Multi Family Residential Real Estate [Member]	'	'		'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'		'
Total Loans	41,915	19,739		19,145
Multi Family Residential Real Estate [Member] | Total Loans [Member]	'	'		'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'		'
30+ Days Past Due	888	'		'
Non-Accrual Loans	948	'		'
Total Past Due	1,836	'		'
Current	40,079	'		'
Total Loans	41,915	'		'
Multi Family Residential Real Estate [Member] | Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'		'
30+ Days Past Due	159	'		'
Non-Accrual Loans	0	'		'
Total Past Due	159	'		'
Current	2,591	'		'
Total Loans	2,750	'		'
Multi Family Residential Real Estate [Member] | Excluding Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'		'
30+ Days Past Due	729	0		'
Non-Accrual Loans	948	1,004		'
Total Past Due	1,677	1,004		'
Current	37,488	18,735		'
Total Loans	39,165	19,739		'
Commercial Real Estate [Member]	'	'		'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'		'
Total Loans	236,672	169,176		174,746
Commercial Real Estate [Member] | Total Loans [Member]	'	'		'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'		'
30+ Days Past Due	180	'		'
Non-Accrual Loans	3,010	'		'
Total Past Due	3,190	'		'
Current	233,482	'		'
Total Loans	236,672	'		'
Commercial Real Estate [Member] | Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'		'
30+ Days Past Due	0	'		'
Non-Accrual Loans	0	'		'
Total Past Due	0	'		'
Current	12,072	'		'
Total Loans	12,072	'		'
Commercial Real Estate [Member] | Excluding Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'		'
30+ Days Past Due	180	446		'
Non-Accrual Loans	3,010	4,441		'
Total Past Due	3,190	4,887		'
Current	221,410	164,289		'
Total Loans	224,600	169,176		'
Loans to Individuals and Overdrafts [Member]	'	'		'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'		'
Total Loans	7,017	8,775		8,194
Loans to Individuals and Overdrafts [Member] | Total Loans [Member]	'	'		'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'		'
30+ Days Past Due	11	'		'
Non-Accrual Loans	21	'		'
Total Past Due	32	'		'
Current	6,985	'		'
Total Loans	7,017	'		'
Loans to Individuals and Overdrafts [Member] | Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'		'
30+ Days Past Due	0	'		'
Non-Accrual Loans	0	'		'
Total Past Due	0	'		'
Current	161	'		'
Total Loans	161	'		'
Loans to Individuals and Overdrafts [Member] | Excluding Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'		'
30+ Days Past Due	11	4		'
Non-Accrual Loans	21	5		'
Total Past Due	32	9		'
Current	6,824	8,766		'
Total Loans	6,856	8,775		'
Family Residential Real Estate 1 to 4 [Member]	'	'		'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'		'
Total Loans	91,905	35,006		34,157
Family Residential Real Estate 1 to 4 [Member] | Total Loans [Member]	'	'		'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'		'
30+ Days Past Due	644	'		'
Non-Accrual Loans	1,305	'		'
Total Past Due	1,949	'		'
Current	89,956	'		'
Total Loans	91,905	'		'
Family Residential Real Estate 1 to 4 [Member] | Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'		'
30+ Days Past Due	158	'		'
Non-Accrual Loans	0	'		'
Total Past Due	158	'		'
Current	10,215	'		'
Total Loans	10,373	'		'
Family Residential Real Estate 1 to 4 [Member] | Excluding Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'		'
30+ Days Past Due	486	318		'
Non-Accrual Loans	1,305	1,092		'
Total Past Due	1,791	1,410		'
Current	79,741	33,596		'
Total Loans	81,532	35,006		'
Home Equity Line of Credit [Member]	'	'		'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'		'
Total Loans	37,758	31,863		32,206
Home Equity Line of Credit [Member] | Total Loans [Member]	'	'		'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'		'
30+ Days Past Due	97	'		'
Non-Accrual Loans	893	'		'
Total Past Due	990	'		'
Current	36,768	'		'
Total Loans	37,758	'		'
Home Equity Line of Credit [Member] | Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'		'
30+ Days Past Due	0	'		'
Non-Accrual Loans	0	'		'
Total Past Due	0	'		'
Current	187	'		'
Total Loans	187	'		'
Home Equity Line of Credit [Member] | Excluding Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'		'
30+ Days Past Due	97	0		'
Non-Accrual Loans	893	1,241		'
Total Past Due	990	1,241		'
Current	36,581	30,622		'
Total Loans	$37,571	$31,863		'
[1]	Derived from audited consolidated financial statements.

LOANS_Details_2

LOANS (Details 2) (USD $)	3 Months Ended		9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2014	Sep. 30, 2013	Sep. 30, 2014	Sep. 30, 2013	Dec. 31, 2013
Financing Receivable, Impaired [Line Items]	'	'	'	'	'
With no related allowance, Recorded Investment	$10,045	'	$10,045	'	$11,584
With no related allowance, Contractual Unpaid Principal Balance	12,259	'	12,259	'	13,511
With no related allowance, Average Recorded Investment	10,221	13,911	11,507	13,192	'
With no related allowance, Interest Income Recognized on Impaired Loans	139	135	463	176	'
With an related allowance, Recorded Investment	3,896	'	3,896	'	7,398
With an related allowance, Contractual Unpaid Principal Balance	4,866	'	4,866	'	7,476
Related Allowance	705	'	705	'	1,103
With an related allowance, Average Recorded Investment	4,017	5,947	5,647	6,286	'
With an related allowance, Interest Income Recognized on Impaired Loans	16	157	78	225	'
Recorded Investment Total	13,941	'	13,941	'	18,982
Contractual Unpaid Principal Balance Total	17,125	'	17,125	'	20,987
Related Allowance Total	705	'	705	'	1,103
Average Recorded Investment Total	14,238	19,858	17,154	19,478	'
Interest Income Recognized on impaired Loans Total	155	292	541	401	'
Residential Real Estate [Member]	'	'	'	'	'
Financing Receivable, Impaired [Line Items]	'	'	'	'	'
Recorded Investment Total	3,908	'	3,908	'	4,300
Contractual Unpaid Principal Balance Total	4,714	'	4,714	'	4,691
Related Allowance Total	83	'	83	'	408
Average Recorded Investment Total	3,958	5,082	4,667	4,650	'
Interest Income Recognized on impaired Loans Total	55	107	167	148	'
Commercial Loan [Member]	'	'	'	'	'
Financing Receivable, Impaired [Line Items]	'	'	'	'	'
Recorded Investment Total	10,012	'	10,012	'	14,677
Contractual Unpaid Principal Balance Total	12,387	'	12,387	'	16,291
Related Allowance Total	602	'	602	'	695
Average Recorded Investment Total	10,259	14,763	12,474	14,809	'
Interest Income Recognized on impaired Loans Total	100	185	374	253	'
Consumer Loan [Member]	'	'	'	'	'
Financing Receivable, Impaired [Line Items]	'	'	'	'	'
Recorded Investment Total	21	'	21	'	5
Contractual Unpaid Principal Balance Total	24	'	24	'	5
Related Allowance Total	20	'	20	'	0
Average Recorded Investment Total	21	13	13	19	'
Interest Income Recognized on impaired Loans Total	0	0	0	0	'
Commercial and Industrial [Member]	'	'	'	'	'
Financing Receivable, Impaired [Line Items]	'	'	'	'	'
With no related allowance, Recorded Investment	116	'	116	'	196
With no related allowance, Contractual Unpaid Principal Balance	116	'	116	'	257
With no related allowance, Average Recorded Investment	119	644	156	543	'
With no related allowance, Interest Income Recognized on Impaired Loans	3	27	8	31	'
With an related allowance, Recorded Investment	265	'	265	'	267
With an related allowance, Contractual Unpaid Principal Balance	266	'	266	'	267
Related Allowance	66	'	66	'	63
With an related allowance, Average Recorded Investment	265	7	266	60	'
With an related allowance, Interest Income Recognized on Impaired Loans	0	0	0	0	'
Construction Loans Real Estate [Member]	'	'	'	'	'
Financing Receivable, Impaired [Line Items]	'	'	'	'	'
With no related allowance, Recorded Investment	1,407	'	1,407	'	2,059
With no related allowance, Contractual Unpaid Principal Balance	1,627	'	1,627	'	2,311
With no related allowance, Average Recorded Investment	1,520	1,787	1,733	2,006	'
With no related allowance, Interest Income Recognized on Impaired Loans	21	5	64	8	'
With an related allowance, Recorded Investment	168	'	168	'	328
With an related allowance, Contractual Unpaid Principal Balance	168	'	168	'	406
Related Allowance	81	'	81	'	91
With an related allowance, Average Recorded Investment	168	580	248	451	'
With an related allowance, Interest Income Recognized on Impaired Loans	0	10	0	12	'
Commercial Real Estate [Member]	'	'	'	'	'
Financing Receivable, Impaired [Line Items]	'	'	'	'	'
With no related allowance, Recorded Investment	2,951	'	2,951	'	3,748
With no related allowance, Contractual Unpaid Principal Balance	4,103	'	4,103	'	4,971
With no related allowance, Average Recorded Investment	3,111	5,494	3,479	5,297	'
With no related allowance, Interest Income Recognized on Impaired Loans	35	0	143	0	'
With an related allowance, Recorded Investment	2,815	'	2,815	'	5,695
With an related allowance, Contractual Unpaid Principal Balance	3,537	'	3,537	'	5,695
Related Allowance	455	'	455	'	541
With an related allowance, Average Recorded Investment	2,765	3,850	4,255	4,527	'
With an related allowance, Interest Income Recognized on Impaired Loans	16	143	59	202	'
Loans to Individuals and Overdrafts [Member]	'	'	'	'	'
Financing Receivable, Impaired [Line Items]	'	'	'	'	'
With no related allowance, Recorded Investment	1	'	1	'	3
With no related allowance, Contractual Unpaid Principal Balance	4	'	4	'	3
With no related allowance, Average Recorded Investment	1	1	2	2	'
With no related allowance, Interest Income Recognized on Impaired Loans	0	0	0	0	'
With an related allowance, Recorded Investment	20	'	20	'	2
With an related allowance, Contractual Unpaid Principal Balance	20	'	20	'	2
Related Allowance	20	'	20	'	0
With an related allowance, Average Recorded Investment	20	12	11	17	'
With an related allowance, Interest Income Recognized on Impaired Loans	0	0	0	0	'
Multi Family Residential Real Estate [Member]	'	'	'	'	'
Financing Receivable, Impaired [Line Items]	'	'	'	'	'
With no related allowance, Recorded Investment	2,290	'	2,290	'	2,384
With no related allowance, Contractual Unpaid Principal Balance	2,570	'	2,570	'	2,384
With no related allowance, Average Recorded Investment	2,311	2,401	2,337	1,915	'
With no related allowance, Interest Income Recognized on Impaired Loans	25	0	100	0	'
With an related allowance, Recorded Investment	0	'	0	'	0
With an related allowance, Contractual Unpaid Principal Balance	0	'	0	'	0
Related Allowance	0	'	0	'	0
With an related allowance, Average Recorded Investment	0	0	0	10	'
With an related allowance, Interest Income Recognized on Impaired Loans	0	0	0	0	'
Family Residential Real Estate 1 to 4 [Member]	'	'	'	'	'
Financing Receivable, Impaired [Line Items]	'	'	'	'	'
With no related allowance, Recorded Investment	2,630	'	2,630	'	2,427
With no related allowance, Contractual Unpaid Principal Balance	3,068	'	3,068	'	2,731
With no related allowance, Average Recorded Investment	2,505	2,955	3,092	2,877	'
With no related allowance, Interest Income Recognized on Impaired Loans	48	100	120	133	'
With an related allowance, Recorded Investment	314	'	314	'	553
With an related allowance, Contractual Unpaid Principal Balance	319	'	319	'	553
Related Allowance	29	'	29	'	88
With an related allowance, Average Recorded Investment	442	1,146	434	967	'
With an related allowance, Interest Income Recognized on Impaired Loans	0	1	11	8	'
Home Equity Line of Credit [Member]	'	'	'	'	'
Financing Receivable, Impaired [Line Items]	'	'	'	'	'
With no related allowance, Recorded Investment	650	'	650	'	767
With no related allowance, Contractual Unpaid Principal Balance	771	'	771	'	854
With no related allowance, Average Recorded Investment	654	629	708	552	'
With no related allowance, Interest Income Recognized on Impaired Loans	7	3	28	4	'
With an related allowance, Recorded Investment	314	'	314	'	553
With an related allowance, Contractual Unpaid Principal Balance	556	'	556	'	553
Related Allowance	54	'	54	'	320
With an related allowance, Average Recorded Investment	357	352	433	254	'
With an related allowance, Interest Income Recognized on Impaired Loans	$0	$3	$8	$3	'

LOANS_Details_3

LOANS (Details 3) (USD $)	3 Months Ended		9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2014	Sep. 30, 2013	Sep. 30, 2014	Sep. 30, 2013
	Loans	Loans	Loans	Loans
Financing Receivable, Modifications [Line Items]	'	'	'	'
Number of loans	0	6	3	19
Pre-Modification Outstanding Recorded Investment	$0	$1,290	$1,015	$5,334
Post-Modification Outstanding Recorded Investment	0	1,276	1,003	5,277
Number of TDRs loans	0	0	2	6
Recorded investment	0	0	968	496
Commercial and Inustrial Below Market Interest Rate [Member]	'	'	'	'
Financing Receivable, Modifications [Line Items]	'	'	'	'
Number of loans	0	0	0	0
Pre-Modification Outstanding Recorded Investment	0	0	0	0
Post-Modification Outstanding Recorded Investment	0	0	0	0
Number of TDRs loans	0	0	0	0
Recorded investment	0	0	0	0
Construction Below Market Interest Rate [Member]	'	'	'	'
Financing Receivable, Modifications [Line Items]	'	'	'	'
Number of loans	0	0	0	0
Pre-Modification Outstanding Recorded Investment	0	0	0	0
Post-Modification Outstanding Recorded Investment	0	0	0	0
Number of TDRs loans	0	0	0	0
Recorded investment	0	0	0	0
Commercial Real Estate Below Market Interest Rate [Member]	'	'	'	'
Financing Receivable, Modifications [Line Items]	'	'	'	'
Number of loans	0	0	0	0
Pre-Modification Outstanding Recorded Investment	0	0	0	0
Post-Modification Outstanding Recorded Investment	0	0	0	0
Number of TDRs loans	0	0	0	0
Recorded investment	0	0	0	0
Loans to Individuals and Overdrafts Below Market Interest Rate [Member]	'	'	'	'
Financing Receivable, Modifications [Line Items]	'	'	'	'
Number of loans	0	0	0	0
Pre-Modification Outstanding Recorded Investment	0	0	0	0
Post-Modification Outstanding Recorded Investment	0	0	0	0
Number of TDRs loans	0	0	0	0
Recorded investment	0	0	0	0
Residential 1 to 4 Family Below Market Interest Rate [Member]	'	'	'	'
Financing Receivable, Modifications [Line Items]	'	'	'	'
Number of loans	0	3	1	3
Pre-Modification Outstanding Recorded Investment	0	276	22	276
Post-Modification Outstanding Recorded Investment	0	275	20	275
Number of TDRs loans	0	0	1	0
Recorded investment	0	0	21	0
Multi Family Residential Below Market Interest Rate [Member]	'	'	'	'
Financing Receivable, Modifications [Line Items]	'	'	'	'
Number of loans	0	0	0	0
Pre-Modification Outstanding Recorded Investment	0	0	0	0
Post-Modification Outstanding Recorded Investment	0	0	0	0
Number of TDRs loans	0	0	0	0
Recorded investment	0	0	0	0
Home Equity Line of Credit Below Market Interest Rate [Member]	'	'	'	'
Financing Receivable, Modifications [Line Items]	'	'	'	'
Number of loans	0	0	0	0
Pre-Modification Outstanding Recorded Investment	0	0	0	0
Post-Modification Outstanding Recorded Investment	0	0	0	0
Number of TDRs loans	0	0	0	0
Recorded investment	0	0	0	0
Below Market Interest Rate [Member]	'	'	'	'
Financing Receivable, Modifications [Line Items]	'	'	'	'
Number of loans	0	3	1	3
Pre-Modification Outstanding Recorded Investment	0	276	22	276
Post-Modification Outstanding Recorded Investment	0	275	20	275
Number of TDRs loans	0	0	1	0
Recorded investment	0	0	21	0
Commercial and Inustrial Extended Payment Term [Member]	'	'	'	'
Financing Receivable, Modifications [Line Items]	'	'	'	'
Number of loans	0	0	0	4
Pre-Modification Outstanding Recorded Investment	0	0	0	537
Post-Modification Outstanding Recorded Investment	0	0	0	522
Number of TDRs loans	0	0	0	2
Recorded investment	0	0	0	156
Construction Extended Payment Term [Member]	'	'	'	'
Financing Receivable, Modifications [Line Items]	'	'	'	'
Number of loans	0	0	0	2
Pre-Modification Outstanding Recorded Investment	0	0	0	134
Post-Modification Outstanding Recorded Investment	0	0	0	133
Number of TDRs loans	0	0	0	2
Recorded investment	0	0	0	132
Commercial Real Estate Extended Payment Term [Member]	'	'	'	'
Financing Receivable, Modifications [Line Items]	'	'	'	'
Number of loans	0	0	1	1
Pre-Modification Outstanding Recorded Investment	0	0	947	645
Post-Modification Outstanding Recorded Investment	0	0	942	645
Number of TDRs loans	0	0	1	0
Recorded investment	0	0	947	0
Loans to Individuals and Overdrafts Extended Payment Term [Member]	'	'	'	'
Financing Receivable, Modifications [Line Items]	'	'	'	'
Number of loans	0	0	0	0
Pre-Modification Outstanding Recorded Investment	0	0	0	0
Post-Modification Outstanding Recorded Investment	0	0	0	0
Number of TDRs loans	0	0	0	0
Recorded investment	0	0	0	0
Residential 1 to 4 Family Extended Payment Term [Member]	'	'	'	'
Financing Receivable, Modifications [Line Items]	'	'	'	'
Number of loans	0	2	1	4
Pre-Modification Outstanding Recorded Investment	0	945	46	1,084
Post-Modification Outstanding Recorded Investment	0	933	41	1,071
Number of TDRs loans	0	0	0	1
Recorded investment	0	0	0	47
Multi Family Residential Extended Payment Term [Member]	'	'	'	'
Financing Receivable, Modifications [Line Items]	'	'	'	'
Number of loans	0	0	0	0
Pre-Modification Outstanding Recorded Investment	0	0	0	0
Post-Modification Outstanding Recorded Investment	0	0	0	0
Number of TDRs loans	0	0	0	0
Recorded investment	0	0	0	0
Home Equity Line of Credit Extended Payment Term [Member]	'	'	'	'
Financing Receivable, Modifications [Line Items]	'	'	'	'
Number of loans	0	0	0	0
Pre-Modification Outstanding Recorded Investment	0	0	0	0
Post-Modification Outstanding Recorded Investment	0	0	0	0
Number of TDRs loans	0	0	0	0
Recorded investment	0	0	0	0
Extended Payment Term [Member]	'	'	'	'
Financing Receivable, Modifications [Line Items]	'	'	'	'
Number of loans	0	2	2	11
Pre-Modification Outstanding Recorded Investment	0	945	993	2,400
Post-Modification Outstanding Recorded Investment	0	933	983	2,371
Number of TDRs loans	0	0	1	5
Recorded investment	0	0	947	335
Commercial and Inustrial Forgiveness of Principal [Member]	'	'	'	'
Financing Receivable, Modifications [Line Items]	'	'	'	'
Number of TDRs loans	0	0	0	0
Recorded investment	0	0	0	0
Construction Forgiveness of Principal [Member]	'	'	'	'
Financing Receivable, Modifications [Line Items]	'	'	'	'
Number of TDRs loans	0	0	0	0
Recorded investment	0	0	0	0
Commercial Real Estate Forgiveness of Principal [Member]	'	'	'	'
Financing Receivable, Modifications [Line Items]	'	'	'	'
Number of TDRs loans	0	0	0	0
Recorded investment	0	0	0	0
Loans to Individuals and Overdrafts Forgiveness of Principal [Member]	'	'	'	'
Financing Receivable, Modifications [Line Items]	'	'	'	'
Number of TDRs loans	0	0	0	0
Recorded investment	0	0	0	0
Residential 1 to 4 Family Forgiveness of Principal [Member]	'	'	'	'
Financing Receivable, Modifications [Line Items]	'	'	'	'
Number of TDRs loans	0	0	0	0
Recorded investment	0	0	0	0
Multi Family Residential Forgiveness of Principal [Member]	'	'	'	'
Financing Receivable, Modifications [Line Items]	'	'	'	'
Number of TDRs loans	0	0	0	0
Recorded investment	0	0	0	0
Home Equity Line of Credit Forgiveness of Principal [Member]	'	'	'	'
Financing Receivable, Modifications [Line Items]	'	'	'	'
Number of TDRs loans	0	0	0	0
Recorded investment	0	0	0	0
Forgiveness of Principal [Member]	'	'	'	'
Financing Receivable, Modifications [Line Items]	'	'	'	'
Number of TDRs loans	0	0	0	0
Recorded investment	0	0	0	0
Commercial and Industrial Other [Member]	'	'	'	'
Financing Receivable, Modifications [Line Items]	'	'	'	'
Number of loans	0	0	0	0
Pre-Modification Outstanding Recorded Investment	0	0	0	0
Post-Modification Outstanding Recorded Investment	0	0	0	0
Number of TDRs loans	0	0	0	0
Recorded investment	0	0	0	0
Construction Other [Member]	'	'	'	'
Financing Receivable, Modifications [Line Items]	'	'	'	'
Number of loans	0	1	0	1
Pre-Modification Outstanding Recorded Investment	0	69	0	69
Post-Modification Outstanding Recorded Investment	0	68	0	68
Number of TDRs loans	0	0	0	0
Recorded investment	0	0	0	0
Commercial Real Estate Other [Member]	'	'	'	'
Financing Receivable, Modifications [Line Items]	'	'	'	'
Number of loans	0	0	0	2
Pre-Modification Outstanding Recorded Investment	0	0	0	2,454
Post-Modification Outstanding Recorded Investment	0	0	0	2,433
Number of TDRs loans	0	0	0	1
Recorded investment	0	0	0	161
Loans to Individuals and Overdrafts Other [Member]	'	'	'	'
Financing Receivable, Modifications [Line Items]	'	'	'	'
Number of loans	0	0	0	0
Pre-Modification Outstanding Recorded Investment	0	0	0	0
Post-Modification Outstanding Recorded Investment	0	0	0	0
Number of TDRs loans	0	0	0	0
Recorded investment	0	0	0	0
Residential 1 to 4 Family Other [Member]	'	'	'	'
Financing Receivable, Modifications [Line Items]	'	'	'	'
Number of loans	0	0	0	2
Pre-Modification Outstanding Recorded Investment	0	0	0	135
Post-Modification Outstanding Recorded Investment	0	0	0	130
Number of TDRs loans	0	0	0	0
Recorded investment	0	0	0	0
Multi Family Residential Other [Member]	'	'	'	'
Financing Receivable, Modifications [Line Items]	'	'	'	'
Number of loans	0	0	0	0
Pre-Modification Outstanding Recorded Investment	0	0	0	0
Post-Modification Outstanding Recorded Investment	0	0	0	0
Number of TDRs loans	0	0	0	0
Recorded investment	0	0	0	0
Home Equity Line of Credit Other [Member]	'	'	'	'
Financing Receivable, Modifications [Line Items]	'	'	'	'
Number of loans	0	0	0	0
Pre-Modification Outstanding Recorded Investment	0	0	0	0
Post-Modification Outstanding Recorded Investment	0	0	0	0
Number of TDRs loans	0	0	0	0
Recorded investment	0	0	0	0
Other [Member]	'	'	'	'
Financing Receivable, Modifications [Line Items]	'	'	'	'
Number of loans	0	1	0	5
Pre-Modification Outstanding Recorded Investment	0	69	0	2,658
Post-Modification Outstanding Recorded Investment	0	68	0	2,631
Number of TDRs loans	0	0	0	1
Recorded investment	$0	$0	$0	$161

LOANS_Details_4

LOANS (Details 4) (USD $)	Sep. 30, 2014	Dec. 31, 2013		Sep. 30, 2013
In Thousands, unless otherwise specified
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	$546,475	$346,500	[1]	$349,631
Total Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	546,475	346,500		'
Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	27,724	'		'
Excluding Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	518,751	346,500		'
Commercial and Industrial [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	52,409	29,166		29,233
Commercial and Industrial [Member] | Total Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	52,409	'		'
Commercial and Industrial [Member] | Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	703	'		'
Commercial and Industrial [Member] | Excluding Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	51,706	29,166		'
Commercial and Industrial [Member] | Superior [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	'	830		'
Commercial and Industrial [Member] | Superior [Member] | Total Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	1,352	'		'
Commercial and Industrial [Member] | Superior [Member] | Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	0	'		'
Commercial and Industrial [Member] | Superior [Member] | Excluding Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	1,352	'		'
Commercial and Industrial [Member] | Very Good [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	'	0		'
Commercial and Industrial [Member] | Very Good [Member] | Total Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	991	'		'
Commercial and Industrial [Member] | Very Good [Member] | Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	0	'		'
Commercial and Industrial [Member] | Very Good [Member] | Excluding Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	991	'		'
Commercial and Industrial [Member] | Good [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	'	5,793		'
Commercial and Industrial [Member] | Good [Member] | Total Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	3,533	'		'
Commercial and Industrial [Member] | Good [Member] | Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	0	'		'
Commercial and Industrial [Member] | Good [Member] | Excluding Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	3,533	'		'
Commercial and Industrial [Member] | Acceptable [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	'	11,572		'
Commercial and Industrial [Member] | Acceptable [Member] | Total Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	28,138	'		'
Commercial and Industrial [Member] | Acceptable [Member] | Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	0	'		'
Commercial and Industrial [Member] | Acceptable [Member] | Excluding Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	28,138	'		'
Commercial and Industrial [Member] | Acceptable With Care [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	'	5,307		'
Commercial and Industrial [Member] | Acceptable With Care [Member] | Total Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	17,722	'		'
Commercial and Industrial [Member] | Acceptable With Care [Member] | Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	643	'		'
Commercial and Industrial [Member] | Acceptable With Care [Member] | Excluding Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	17,079	'		'
Commercial and Industrial [Member] | Special Mention [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	'	5,122		'
Commercial and Industrial [Member] | Special Mention [Member] | Total Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	202	'		'
Commercial and Industrial [Member] | Special Mention [Member] | Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	0	'		'
Commercial and Industrial [Member] | Special Mention [Member] | Excluding Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	202	'		'
Commercial and Industrial [Member] | Substandard [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	'	542		'
Commercial and Industrial [Member] | Substandard [Member] | Total Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	471	'		'
Commercial and Industrial [Member] | Substandard [Member] | Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	60	'		'
Commercial and Industrial [Member] | Substandard [Member] | Excluding Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	411	'		'
Commercial and Industrial [Member] | Doubtful [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	'	0		'
Commercial and Industrial [Member] | Doubtful [Member] | Total Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	0	'		'
Commercial and Industrial [Member] | Doubtful [Member] | Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	0	'		'
Commercial and Industrial [Member] | Doubtful [Member] | Excluding Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	0	'		'
Commercial and Industrial [Member] | Loss [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	'	0		'
Commercial and Industrial [Member] | Loss [Member] | Total Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	0	'		'
Commercial and Industrial [Member] | Loss [Member] | Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	0	'		'
Commercial and Industrial [Member] | Loss [Member] | Excluding Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	0	'		'
Construction Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	'	53,325		'
Construction Loans [Member] | Total Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	79,382	'		'
Construction Loans [Member] | Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	1,478	'		'
Construction Loans [Member] | Excluding Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	77,904	'		'
Construction Loans [Member] | Superior [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	'	40		'
Construction Loans [Member] | Superior [Member] | Total Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	0	'		'
Construction Loans [Member] | Superior [Member] | Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	0	'		'
Construction Loans [Member] | Superior [Member] | Excluding Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	0	'		'
Construction Loans [Member] | Very Good [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	'	0		'
Construction Loans [Member] | Very Good [Member] | Total Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	0	'		'
Construction Loans [Member] | Very Good [Member] | Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	0	'		'
Construction Loans [Member] | Very Good [Member] | Excluding Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	0	'		'
Construction Loans [Member] | Good [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	'	1,133		'
Construction Loans [Member] | Good [Member] | Total Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	2,523	'		'
Construction Loans [Member] | Good [Member] | Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	0	'		'
Construction Loans [Member] | Good [Member] | Excluding Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	2,523	'		'
Construction Loans [Member] | Acceptable [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	'	2,838		'
Construction Loans [Member] | Acceptable [Member] | Total Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	12,434	'		'
Construction Loans [Member] | Acceptable [Member] | Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	0	'		'
Construction Loans [Member] | Acceptable [Member] | Excluding Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	12,434	'		'
Construction Loans [Member] | Acceptable With Care [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	'	46,597		'
Construction Loans [Member] | Acceptable With Care [Member] | Total Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	63,135	'		'
Construction Loans [Member] | Acceptable With Care [Member] | Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	1,411	'		'
Construction Loans [Member] | Acceptable With Care [Member] | Excluding Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	61,724	'		'
Construction Loans [Member] | Special Mention [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	'	1,126		'
Construction Loans [Member] | Special Mention [Member] | Total Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	67	'		'
Construction Loans [Member] | Special Mention [Member] | Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	67	'		'
Construction Loans [Member] | Special Mention [Member] | Excluding Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	0	'		'
Construction Loans [Member] | Substandard [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	'	1,591		'
Construction Loans [Member] | Substandard [Member] | Total Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	1,223	'		'
Construction Loans [Member] | Substandard [Member] | Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	0	'		'
Construction Loans [Member] | Substandard [Member] | Excluding Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	1,223	'		'
Construction Loans [Member] | Doubtful [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	'	0		'
Construction Loans [Member] | Doubtful [Member] | Total Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	0	'		'
Construction Loans [Member] | Doubtful [Member] | Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	0	'		'
Construction Loans [Member] | Doubtful [Member] | Excluding Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	0	'		'
Construction Loans [Member] | Loss [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	'	0		'
Construction Loans [Member] | Loss [Member] | Total Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	0	'		'
Construction Loans [Member] | Loss [Member] | Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	0	'		'
Construction Loans [Member] | Loss [Member] | Excluding Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	0	'		'
Commercial Real Estate [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	236,672	169,176		174,746
Commercial Real Estate [Member] | Total Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	236,672	'		'
Commercial Real Estate [Member] | Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	12,072	'		'
Commercial Real Estate [Member] | Excluding Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	224,600	169,176		'
Commercial Real Estate [Member] | Superior [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	'	0		'
Commercial Real Estate [Member] | Superior [Member] | Total Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	0	'		'
Commercial Real Estate [Member] | Superior [Member] | Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	0	'		'
Commercial Real Estate [Member] | Superior [Member] | Excluding Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	0	'		'
Commercial Real Estate [Member] | Very Good [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	'	0		'
Commercial Real Estate [Member] | Very Good [Member] | Total Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	0	'		'
Commercial Real Estate [Member] | Very Good [Member] | Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	0	'		'
Commercial Real Estate [Member] | Very Good [Member] | Excluding Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	0	'		'
Commercial Real Estate [Member] | Good [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	'	19,301		'
Commercial Real Estate [Member] | Good [Member] | Total Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	15,611	'		'
Commercial Real Estate [Member] | Good [Member] | Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	0	'		'
Commercial Real Estate [Member] | Good [Member] | Excluding Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	15,611	'		'
Commercial Real Estate [Member] | Acceptable [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	'	63,447		'
Commercial Real Estate [Member] | Acceptable [Member] | Total Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	132,635	'		'
Commercial Real Estate [Member] | Acceptable [Member] | Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	0	'		'
Commercial Real Estate [Member] | Acceptable [Member] | Excluding Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	132,635	'		'
Commercial Real Estate [Member] | Acceptable With Care [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	'	57,768		'
Commercial Real Estate [Member] | Acceptable With Care [Member] | Total Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	78,335	'		'
Commercial Real Estate [Member] | Acceptable With Care [Member] | Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	9,524	'		'
Commercial Real Estate [Member] | Acceptable With Care [Member] | Excluding Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	68,811	'		'
Commercial Real Estate [Member] | Special Mention [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	'	21,305		'
Commercial Real Estate [Member] | Special Mention [Member] | Total Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	5,131	'		'
Commercial Real Estate [Member] | Special Mention [Member] | Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	1,987	'		'
Commercial Real Estate [Member] | Special Mention [Member] | Excluding Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	3,144	'		'
Commercial Real Estate [Member] | Substandard [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	'	7,355		'
Commercial Real Estate [Member] | Substandard [Member] | Total Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	4,960	'		'
Commercial Real Estate [Member] | Substandard [Member] | Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	561	'		'
Commercial Real Estate [Member] | Substandard [Member] | Excluding Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	4,399	'		'
Commercial Real Estate [Member] | Doubtful [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	'	0		'
Commercial Real Estate [Member] | Doubtful [Member] | Total Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	0	'		'
Commercial Real Estate [Member] | Doubtful [Member] | Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	0	'		'
Commercial Real Estate [Member] | Doubtful [Member] | Excluding Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	0	'		'
Commercial Real Estate [Member] | Loss [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	'	0		'
Commercial Real Estate [Member] | Loss [Member] | Total Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	0	'		'
Commercial Real Estate [Member] | Loss [Member] | Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	0	'		'
Commercial Real Estate [Member] | Loss [Member] | Excluding Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	0	'		'
Multi Family Residential Real Estate [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	41,915	19,739		19,145
Multi Family Residential Real Estate [Member] | Total Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	41,915	'		'
Multi Family Residential Real Estate [Member] | Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	2,750	'		'
Multi Family Residential Real Estate [Member] | Excluding Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	39,165	19,739		'
Multi Family Residential Real Estate [Member] | Superior [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	'	0		'
Multi Family Residential Real Estate [Member] | Superior [Member] | Total Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	0	'		'
Multi Family Residential Real Estate [Member] | Superior [Member] | Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	0	'		'
Multi Family Residential Real Estate [Member] | Superior [Member] | Excluding Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	0	'		'
Multi Family Residential Real Estate [Member] | Very Good [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	'	0		'
Multi Family Residential Real Estate [Member] | Very Good [Member] | Total Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	3,600	'		'
Multi Family Residential Real Estate [Member] | Very Good [Member] | Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	0	'		'
Multi Family Residential Real Estate [Member] | Very Good [Member] | Excluding Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	3,600	'		'
Multi Family Residential Real Estate [Member] | Good [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	'	4,203		'
Multi Family Residential Real Estate [Member] | Good [Member] | Total Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	3,957	'		'
Multi Family Residential Real Estate [Member] | Good [Member] | Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	0	'		'
Multi Family Residential Real Estate [Member] | Good [Member] | Excluding Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	3,957	'		'
Multi Family Residential Real Estate [Member] | Acceptable [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	'	6,812		'
Multi Family Residential Real Estate [Member] | Acceptable [Member] | Total Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	23,283	'		'
Multi Family Residential Real Estate [Member] | Acceptable [Member] | Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	0	'		'
Multi Family Residential Real Estate [Member] | Acceptable [Member] | Excluding Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	23,283	'		'
Multi Family Residential Real Estate [Member] | Acceptable With Care [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	'	6,340		'
Multi Family Residential Real Estate [Member] | Acceptable With Care [Member] | Total Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	8,785	'		'
Multi Family Residential Real Estate [Member] | Acceptable With Care [Member] | Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	2,750	'		'
Multi Family Residential Real Estate [Member] | Acceptable With Care [Member] | Excluding Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	6,035	'		'
Multi Family Residential Real Estate [Member] | Special Mention [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	'	1,380		'
Multi Family Residential Real Estate [Member] | Special Mention [Member] | Total Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	1,342	'		'
Multi Family Residential Real Estate [Member] | Special Mention [Member] | Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	0	'		'
Multi Family Residential Real Estate [Member] | Special Mention [Member] | Excluding Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	1,342	'		'
Multi Family Residential Real Estate [Member] | Substandard [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	'	1,004		'
Multi Family Residential Real Estate [Member] | Substandard [Member] | Total Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	948	'		'
Multi Family Residential Real Estate [Member] | Substandard [Member] | Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	0	'		'
Multi Family Residential Real Estate [Member] | Substandard [Member] | Excluding Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	948	'		'
Multi Family Residential Real Estate [Member] | Doubtful [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	'	0		'
Multi Family Residential Real Estate [Member] | Doubtful [Member] | Total Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	0	'		'
Multi Family Residential Real Estate [Member] | Doubtful [Member] | Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	0	'		'
Multi Family Residential Real Estate [Member] | Doubtful [Member] | Excluding Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	0	'		'
Multi Family Residential Real Estate [Member] | Loss [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	'	0		'
Multi Family Residential Real Estate [Member] | Loss [Member] | Total Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	0	'		'
Multi Family Residential Real Estate [Member] | Loss [Member] | Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	0	'		'
Multi Family Residential Real Estate [Member] | Loss [Member] | Excluding Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	0	'		'
Loans to Individuals and Overdrafts [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	7,017	8,775		8,194
Loans to Individuals and Overdrafts [Member] | Total Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	7,017	'		'
Loans to Individuals and Overdrafts [Member] | Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	161	'		'
Loans to Individuals and Overdrafts [Member] | Excluding Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	6,856	8,775		'
Loans to Individuals and Overdrafts [Member] | Pass [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	'	7,629		'
Loans to Individuals and Overdrafts [Member] | Pass [Member] | Total Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	6,941	'		'
Loans to Individuals and Overdrafts [Member] | Pass [Member] | Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	149	'		'
Loans to Individuals and Overdrafts [Member] | Pass [Member] | Excluding Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	6,792	'		'
Loans to Individuals and Overdrafts [Member] | Non-Pass [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	'	1,146		'
Loans to Individuals and Overdrafts [Member] | Non-Pass [Member] | Total Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	76	'		'
Loans to Individuals and Overdrafts [Member] | Non-Pass [Member] | Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	12	'		'
Loans to Individuals and Overdrafts [Member] | Non-Pass [Member] | Excluding Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	64	'		'
Family Residential Real Estate 1 to 4 [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	91,905	35,006		34,157
Family Residential Real Estate 1 to 4 [Member] | Total Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	91,905	'		'
Family Residential Real Estate 1 to 4 [Member] | Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	10,373	'		'
Family Residential Real Estate 1 to 4 [Member] | Excluding Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	81,532	35,006		'
Family Residential Real Estate 1 to 4 [Member] | Pass [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	'	29,364		'
Family Residential Real Estate 1 to 4 [Member] | Pass [Member] | Total Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	83,501	'		'
Family Residential Real Estate 1 to 4 [Member] | Pass [Member] | Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	6,810	'		'
Family Residential Real Estate 1 to 4 [Member] | Pass [Member] | Excluding Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	76,691	'		'
Family Residential Real Estate 1 to 4 [Member] | Special Mention [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	'	1,632		'
Family Residential Real Estate 1 to 4 [Member] | Special Mention [Member] | Total Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	4,033	'		'
Family Residential Real Estate 1 to 4 [Member] | Special Mention [Member] | Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	2,951	'		'
Family Residential Real Estate 1 to 4 [Member] | Special Mention [Member] | Excluding Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	1,082	'		'
Family Residential Real Estate 1 to 4 [Member] | Substandard [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	'	4,010		'
Family Residential Real Estate 1 to 4 [Member] | Substandard [Member] | Total Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	4,371	'		'
Family Residential Real Estate 1 to 4 [Member] | Substandard [Member] | Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	612	'		'
Family Residential Real Estate 1 to 4 [Member] | Substandard [Member] | Excluding Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	3,759	'		'
Home Equity Line Of Credit [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	37,758	31,863		32,206
Home Equity Line Of Credit [Member] | Total Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	37,758	'		'
Home Equity Line Of Credit [Member] | Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	187	'		'
Home Equity Line Of Credit [Member] | Excluding Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	37,571	31,863		'
Home Equity Line Of Credit [Member] | Pass [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	'	30,116		'
Home Equity Line Of Credit [Member] | Pass [Member] | Total Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	36,560	'		'
Home Equity Line Of Credit [Member] | Pass [Member] | Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	187	'		'
Home Equity Line Of Credit [Member] | Pass [Member] | Excluding Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	36,373	'		'
Home Equity Line Of Credit [Member] | Special Mention [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	'	245		'
Home Equity Line Of Credit [Member] | Special Mention [Member] | Total Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	112	'		'
Home Equity Line Of Credit [Member] | Special Mention [Member] | Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	0	'		'
Home Equity Line Of Credit [Member] | Special Mention [Member] | Excluding Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	112	'		'
Home Equity Line Of Credit [Member] | Substandard [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	'	1,502		'
Home Equity Line Of Credit [Member] | Substandard [Member] | Total Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	1,086	'		'
Home Equity Line Of Credit [Member] | Substandard [Member] | Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	0	'		'
Home Equity Line Of Credit [Member] | Substandard [Member] | Excluding Purchase Credit Impairment Loans [Member]	'	'		'
Financing Receivable, Recorded Investment [Line Items]	'	'		'
Loans	$1,086	'		'
[1]	Derived from audited consolidated financial statements.

LOANS_Details_5

LOANS (Details 5) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2014
Schedule of Certain Loans Acquired In Transfer Accounted For As Debt Securities Accretable Yield [Line Items]	'
Accretable yield, beginning of period	$0
Addition from Legacy Select acquisition	4,360
Accretion	-256
Reclassification from (to) nonaccretable difference	0
Accretable yield, end of period	$4,104

LOANS_Details_6

LOANS (Details 6) (USD $)	3 Months Ended		9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2014	Sep. 30, 2013	Sep. 30, 2014		Sep. 30, 2013	Jul. 25, 2014	Dec. 31, 2013
Financing Receivable, Allowance for Credit Losses [Line Items]	'	'	'		'	'	'
Allowance for loan losses, Balance, beginning of period	$6,447	$7,218	$7,054	[1]	$7,897	$0	'
Provision (recovery) for loan losses	105	-130	-370		-605	'	'
Loans charged-off	-67	-635	-422		-1,148	'	'
Recoveries	44	405	267		714	'	'
Allowance for loan losses, Balance, end of period	6,529	6,858	6,529		6,858	0	'
Ending balance: individually evaluated for impairment	705	605	705		605	'	'
Ending balance: collectively evaluated for impairment	5,824	6,253	5,824		6,253	'	'
Loans:	'	'	'		'	'	'
Ending balance	546,475	349,631	546,475		349,631	'	346,500	[1]
Ending balance: individually evaluated for impairment	13,941	19,668	13,941		19,668	'	'
Ending balance: collectively evaluated for impairment	533,117	329,963	533,117		329,963	'	'
Commercial and Industrial [Member]	'	'	'		'	'	'
Financing Receivable, Allowance for Credit Losses [Line Items]	'	'	'		'	'	'
Allowance for loan losses, Balance, beginning of period	523	250	245		278	'	'
Provision (recovery) for loan losses	67	-58	385		16	'	'
Loans charged-off	0	-1	-63		-130	'	'
Recoveries	5	13	28		40	'	'
Allowance for loan losses, Balance, end of period	595	204	595		204	'	'
Ending balance: individually evaluated for impairment	66	7	66		7	'	'
Ending balance: collectively evaluated for impairment	529	197	529		197	'	'
Loans:	'	'	'		'	'	'
Ending balance	52,409	29,233	52,409		29,233	'	29,166
Ending balance: individually evaluated for impairment	381	642	381		642	'	'
Ending balance: collectively evaluated for impairment	52,028	28,591	52,028		28,591	'	'
Construction Loans Real Estate [Member]	'	'	'		'	'	'
Financing Receivable, Allowance for Credit Losses [Line Items]	'	'	'		'	'	'
Allowance for loan losses, Balance, beginning of period	1,002	608	565		798	'	'
Provision (recovery) for loan losses	-15	-56	361		-246	'	'
Loans charged-off	-4	-28	-4		-28	'	'
Recoveries	2	22	63		22	'	'
Allowance for loan losses, Balance, end of period	985	546	985		546	'	'
Ending balance: individually evaluated for impairment	81	43	81		43	'	'
Ending balance: collectively evaluated for impairment	904	503	904		503	'	'
Loans:	'	'	'		'	'	'
Ending balance	79,382	51,950	79,382		51,950	'	'
Ending balance: individually evaluated for impairment	1,575	2,347	1,575		2,347	'	'
Ending balance: collectively evaluated for impairment	77,807	49,603	77,807		49,603	'	'
Commercial Real Estate [Member]	'	'	'		'	'	'
Financing Receivable, Allowance for Credit Losses [Line Items]	'	'	'		'	'	'
Allowance for loan losses, Balance, beginning of period	2,903	4,585	4,599		4,946	'	'
Provision (recovery) for loan losses	188	218	-1,536		-36	'	'
Loans charged-off	0	-206	0		-385	'	'
Recoveries	6	24	34		96	'	'
Allowance for loan losses, Balance, end of period	3,097	4,621	3,097		4,621	'	'
Ending balance: individually evaluated for impairment	455	361	455		361	'	'
Ending balance: collectively evaluated for impairment	2,642	4,260	2,642		4,260	'	'
Loans:	'	'	'		'	'	'
Ending balance	236,672	174,746	236,672		174,746	'	169,176
Ending balance: individually evaluated for impairment	5,766	9,233	5,766		9,233	'	'
Ending balance: collectively evaluated for impairment	230,906	165,513	230,906		165,513	'	'
Family Residential Real Estate 1 to 4 [Member]	'	'	'		'	'	'
Financing Receivable, Allowance for Credit Losses [Line Items]	'	'	'		'	'	'
Allowance for loan losses, Balance, beginning of period	588	1,045	826		1,070	'	'
Provision (recovery) for loan losses	-48	-429	-322		-353	'	'
Loans charged-off	0	-187	-1		-309	'	'
Recoveries	12	352	49		373	'	'
Allowance for loan losses, Balance, end of period	552	781	552		781	'	'
Ending balance: individually evaluated for impairment	29	75	29		75	'	'
Ending balance: collectively evaluated for impairment	523	706	523		706	'	'
Loans:	'	'	'		'	'	'
Ending balance	91,905	34,157	91,905		34,157	'	35,006
Ending balance: individually evaluated for impairment	2,944	4,110	2,944		4,110	'	'
Ending balance: collectively evaluated for impairment	88,961	30,047	88,961		30,047	'	'
Home Equity Line of Credit [Member]	'	'	'		'	'	'
Financing Receivable, Allowance for Credit Losses [Line Items]	'	'	'		'	'	'
Allowance for loan losses, Balance, beginning of period	1,009	610	680		627	'	'
Provision (recovery) for loan losses	-137	153	402		99	'	'
Loans charged-off	-26	-192	-297		-231	'	'
Recoveries	14	-14	75		62	'	'
Allowance for loan losses, Balance, end of period	860	557	860		557	'	'
Ending balance: individually evaluated for impairment	54	117	54		117	'	'
Ending balance: collectively evaluated for impairment	806	440	806		440	'	'
Loans:	'	'	'		'	'	'
Ending balance	37,758	32,206	37,758		32,206	'	31,863
Ending balance: individually evaluated for impairment	964	930	964		930	'	'
Ending balance: collectively evaluated for impairment	36,794	31,276	36,794		31,276	'	'
Loans to Individuals and Overdrafts [Member]	'	'	'		'	'	'
Financing Receivable, Allowance for Credit Losses [Line Items]	'	'	'		'	'	'
Allowance for loan losses, Balance, beginning of period	156	62	65		72	'	'
Provision (recovery) for loan losses	44	14	142		-65	'	'
Loans charged-off	-37	-21	-57		-65	'	'
Recoveries	5	8	18		121	'	'
Allowance for loan losses, Balance, end of period	168	63	168		63	'	'
Ending balance: individually evaluated for impairment	20	2	20		2	'	'
Ending balance: collectively evaluated for impairment	148	61	148		61	'	'
Loans:	'	'	'		'	'	'
Ending balance	7,017	8,194	7,017		8,194	'	8,775
Ending balance: individually evaluated for impairment	21	11	21		11	'	'
Ending balance: collectively evaluated for impairment	6,996	8,183	6,996		8,183	'	'
Multi Family Residential Real Estate [Member]	'	'	'		'	'	'
Financing Receivable, Allowance for Credit Losses [Line Items]	'	'	'		'	'	'
Allowance for loan losses, Balance, beginning of period	266	58	74		106	'	'
Provision (recovery) for loan losses	6	28	198		-20	'	'
Loans charged-off	0	0	0		0	'	'
Recoveries	0	0	0		0	'	'
Allowance for loan losses, Balance, end of period	272	86	272		86	'	'
Ending balance: individually evaluated for impairment	0	0	0		0	'	'
Ending balance: collectively evaluated for impairment	272	86	272		86	'	'
Loans:	'	'	'		'	'	'
Ending balance	41,915	19,145	41,915		19,145	'	19,739
Ending balance: individually evaluated for impairment	2,290	2,395	2,290		2,395	'	'
Ending balance: collectively evaluated for impairment	$39,625	$16,750	$39,625		$16,750	'	'
[1]	Derived from audited consolidated financial statements.

LOANS_Details_Textual

LOANS (Details Textual) (USD $)	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2014	Sep. 30, 2013	Sep. 30, 2014	Sep. 30, 2013	Dec. 31, 2013
Loans and the Allowance for Loan Losses [Line Items]	'	'	'	'	'
Impaired Financing Receivable, Recorded Investment	$13,941,000	'	$13,941,000	'	$18,982,000
Impaired Loans Required for Specific Reserves	3,900,000	'	3,900,000	'	7,400,000
With no related allowance, Recorded Investment	10,045,000	'	10,045,000	'	11,584,000
Increase (Decrease) in Finance Receivables	'	'	1,300,000	'	2,100,000
Allowance for Loan and Lease Losses, Period Increase (Decrease)	'	'	177,000	'	'
Allowance for Loan and Lease Losses Write-offs, Net, Total	'	231,000	'	'	'
Provision for Loan and Lease Losses	105,000	-130,000	-370,000	-605,000	'
Nonaccrual Impaired Loans [Member]	'	'	'	'	'
Loans and the Allowance for Loan Losses [Line Items]	'	'	'	'	'
Impaired Financing Receivable, Recorded Investment	7,300,000	'	7,300,000	'	9,300,000
Accrual Impaired Loans [Member]	'	'	'	'	'
Loans and the Allowance for Loan Losses [Line Items]	'	'	'	'	'
Impaired Financing Receivable, Recorded Investment	6,600,000	'	6,600,000	'	9,700,000
Troubled Debt Restructurings [Member]	'	'	'	'	'
Loans and the Allowance for Loan Losses [Line Items]	'	'	'	'	'
Impaired Financing Receivable, Recorded Investment	7,900,000	10,600,000	7,900,000	10,600,000	'
Troubled Debt Restructuring Accrual Status [Member]	'	'	'	'	'
Loans and the Allowance for Loan Losses [Line Items]	'	'	'	'	'
Impaired Financing Receivable, Recorded Investment	5,100,000	9,300,000	5,100,000	9,300,000	'
Troubled Debt Restructuring Nonaccrual Status [Member]	'	'	'	'	'
Loans and the Allowance for Loan Losses [Line Items]	'	'	'	'	'
Impaired Financing Receivable, Recorded Investment	2,800,000	1,300,000	2,800,000	1,300,000	'
Unused Lines of Credit [Member]	'	'	'	'	'
Loans and the Allowance for Loan Losses [Line Items]	'	'	'	'	'
Line of Credit Facility, Maximum Amount Outstanding During Period	'	'	127,400,000	'	'
Commercial and Industrial Other [Member]	'	'	'	'	'
Loans and the Allowance for Loan Losses [Line Items]	'	'	'	'	'
With no related allowance, Recorded Investment	116,000	'	116,000	'	196,000
Provision for Loan and Lease Losses	$67,000	($58,000)	$385,000	$16,000	'

ACCUMULATED_OTHER_COMPREHENSIV2

ACCUMULATED OTHER COMPREHENSIVE INCOME (Details) (USD $)	3 Months Ended		9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2014	Sep. 30, 2013	Sep. 30, 2014		Sep. 30, 2013
Beginning balance	$475	$191	($108)	[1]	$1,078
Unrealized gain (loss) on investment securities available for sale	145	-151	863		-1,630
Tax effect	-54	51	-322		554
Other comprehensive gain (loss) before reclassification	91	-100	541		-1,076
Amounts reclassified from accumulated comprehensive income:	'	'	'		'
Realized loss on investment securities included in net income	77	48	288		183
Tax effect	-29	-16	-107		-62
Total reclassifications net of tax	48	32	181		121
Net current period other comprehensive income (loss)	139	-68	722		-955
Ending balance	$614	$123	$614		$123
[1]	Derived from audited consolidated financial statements.