SBT Bancorp (SBTB) 10-K 28 Mar 14 2013 FY Annual report Financial data

Document_and_Entity_Informatio

Document and Entity Information (USD $)	12 Months Ended
	Dec. 31, 2013	Mar. 28, 2014	Jun. 30, 2013
Document Information	'	'	'
Document Type	'10-K	'	'
Amendment Flag	'false	'	'
Document Period End Date	31-Dec-13	'	'
Document Fiscal Year Focus	'2013	'	'
Document Fiscal Period Focus	'FY	'	'
Trading Symbol	'SBTB	'	'
Entity Registrant Name	'SBT BANCORP, INC.	'	'
Entity Central Index Key	'0001354174	'	'
Current Fiscal Year End Date	'--12-31	'	'
Entity Well-known Seasoned Issuer	'No	'	'
Entity Current Reporting Status	'Yes	'	'
Entity Voluntary Filers	'No	'	'
Entity Filer Category	'Smaller Reporting Company	'	'
Entity Common Stock, Shares Outstanding	'	900,342	'
Entity Public Float	'	'	$19,275,992

Consolidated_Balance_Sheets

Consolidated Balance Sheets (USD $)	Dec. 31, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
ASSETS	'	'
Cash and due from banks	$13,355	$12,372
Interest-bearing deposits with the Federal Reserve Bank and Federal Home Loan Bank	24,165	19,276
Money market mutual funds	346	358
Federal funds sold	724	2,094
Cash and cash equivalents	38,590	34,100
Interest-bearing time deposits with other banks	'	3,789
Investments in available-for-sale securities (at fair value)	87,449	91,820
Federal Home Loan Bank stock, at cost	2,196	589
Loans held-for-sale	2,861	'
Loans	279,667	235,884
Less allowance for loan losses	2,792	2,594
Loans, net	276,875	233,290
Premises and equipment, net	1,618	824
Accrued interest receivable	1,074	1,019
Other real estate owned	'	213
Bank owned life insurance	6,729	6,520
Other assets	4,456	2,855
Total assets	421,848	375,019
Deposits:	'	'
Demand deposits	116,015	92,670
Savings and NOW deposits	173,500	175,268
Time deposits	68,989	72,471
Total deposits	358,504	340,409
Securities sold under agreements to repurchase	4,390	3,569
Federal Home Loan Bank advances	30,000	'
Other liabilities	1,558	1,604
Total liabilities	394,452	345,582
Stockholders' equity:	'	'
Common stock, no par value; authorized 2,000,000 shares; issued and outstanding 900,264 shares and 899,850 shares, respectively, in 2013 and 888,724 shares and 888,310 shares, respectively, in 2012	10,136	9,901
Retained Earnings	10,347	9,819
Treasury stock, 414 shares at December 31, 2013 and 2012	-7	-7
Unearned compensation restricted stock awards	-401	-368
Accumulated other comprehensive (loss) income	-1,655	1,128
Total stockholders' equity	27,396	29,437
Total liabilities and stockholders' equity	421,848	375,019
Series C Preferred stock, senior non-cumulative perpetual	'	'
Stockholders' equity:	'	'
Preferred stock, senior non-cumulative perpetual, Series C, no par; 9000 shares issued and outstanding at December 31, 2013 and 2012; liquidation value of $1,000 per share	$8,976	$8,964

Consolidated_Balance_Sheets_Pa

Consolidated Balance Sheets (Parenthetical) (USD $)	Dec. 31, 2013	Dec. 31, 2012
Common stock, par value	'	'
Common stock, authorized	2,000,000	2,000,000
Common stock, issued	900,264	888,724
Common stock, outstanding	899,850	888,310
Treasury stock, shares	414	414
Series C Preferred stock, senior non-cumulative perpetual	'	'
Preferred stock, no par	'	'
Preferred stock, shares issued	9,000	9,000
Preferred stock, shares outstanding	9,000	9,000
Preferred stock, liquidation value	$1,000	$1,000

Consolidated_Statements_of_Inc

Consolidated Statements of Income (USD $)	12 Months Ended
In Thousands, except Per Share data, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Interest and dividend income:	'	'
Interest and fees on loans	$9,853	$9,656
Interest on debt securities:	'	'
Taxable	1,529	1,166
Tax-exempt	477	489
Dividends	4	7
Other interest	141	249
Total interest and dividend income	12,004	11,567
Interest expense:	'	'
Interest on deposits	894	1,037
Interest on securities sold under agreements to repurchase	4	4
Interest on Federal Home Loan Bank advances	19	'
Total interest expense	917	1,041
Net interest and dividend income	11,087	10,526
Provision for loan losses	345	320
Net interest and dividend income after provision for loan losses	10,742	10,206
Noninterest income:	'	'
Service charges on deposit accounts	488	495
Writedown of securities (includes losses of $57 and $70, net of $40 and $58, respectively, recognized in other comprehensive (loss) income for the years ended December 31, 2013 and 2012, before taxes)	-17	-12
Gain on sales of investments	126	125
Mortgage banking activities	1,390	2,266
Investment services fees and commissions	231	171
Other service charges and fees	686	798
Increase in cash surrender value of life insurance policies	209	208
Other income	13	2
Total noninterest income	3,126	4,053
Noninterest expense:	'	'
Salaries and employee benefits	6,880	6,271
Occupancy expense	1,185	1,059
Equipment expense	290	275
Loss on sales and other writedowns of other real estate owned	87	38
Professional fees	543	577
Advertising and promotions	756	655
Forms and supplies	144	173
Correspondent charges	318	344
FDIC assessment	188	176
Postage	86	93
Directors' fees	264	229
Data processing	619	502
Other expense	1,239	1,116
Total noninterest expense	12,599	11,508
Income before income tax expense	1,269	2,751
Income tax expense	134	707
Net income	1,135	2,044
Net income available to common stockholders	$1,029	$1,898
Earnings per common share	$1.18	$2.19
Earnings per common share, assuming dilution	$1.17	$2.18

Consolidated_Statements_of_Inc1

Consolidated Statements of Income (Parenthetical) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013		Dec. 31, 2012
Other-than-temporary impairment losses	$57		$70
Unrealized losses recognized in other comprehensive loss	$40	[1]	$58	[1]
[1]	Represents the noncredit component of the other-than-temporary impairment on the securities.

Consolidated_Statements_of_Com

Consolidated Statements of Comprehensive Income (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Net income	$1,135	$2,044
Other comprehensive (loss) income, net of tax:	'	'
Net change in unrealized holding gain on available-for-sale securities	-2,783	411
Other comprehensive (loss) income, net of tax	-2,783	411
Comprehensive (loss) income	($1,648)	$2,455

Consolidated_Statements_of_Cha

Consolidated Statements of Changes in Stockholders' Equity (USD $)	Total	Preferred Stock Series C	Common Stock	Retained Earnings	Treasury Stock	Unearned Compensation Restricted Stock Awards	Accumulated Other Comprehensive (Loss) Income
In Thousands
Beginning Balance at Dec. 31, 2011	$27,443	$8,952	$9,620	$8,360	($7)	($199)	$717
Net income	2,044	'	'	2,044	'	'	'
Other comprehensive income (loss), net of tax effect	411	'	'	'	'	'	411
Preferred stock dividends	-134	'	'	-134	'	'	'
Preferred stock amortization (accretion)	'	12	'	-12	'	'	'
Stock based compensation	82	'	'	'	'	82	'
Restricted stock awards	'	'	251	'	'	-251	'
Tax benefit - vested restricted stock awards	2	'	2	'	'	'	'
Common stock issued	28	'	28	'	'	'	'
Dividends declared common stock ($.56 per share in 2013 and $.50 per share in 2012)	-439	'	'	-439	'	'	'
Ending Balance at Dec. 31, 2012	29,437	8,964	9,901	9,819	-7	-368	1,128
Net income	1,135	'	'	1,135	'	'	'
Other comprehensive income (loss), net of tax effect	-2,783	'	'	'	'	'	-2,783
Preferred stock dividends	-94	'	'	-94	'	'	'
Preferred stock amortization (accretion)	'	12	'	-12	'	'	'
Stock based compensation	156	'	'	'	'	156	'
Restricted stock awards	'	'	234	'	'	-234	'
Forfeited restricted stock awards	'	'	-45	'	'	45	'
Tax benefit - vested restricted stock awards	7	'	7	'	'	'	'
Common stock issued	39	'	39	'	'	'	'
Dividends declared common stock ($.56 per share in 2013 and $.50 per share in 2012)	-501	'	'	-501	'	'	'
Ending Balance at Dec. 31, 2013	$27,396	$8,976	$10,136	$10,347	($7)	($401)	($1,655)

Consolidated_Statements_of_Cha1

Consolidated Statements of Changes in Stockholders' Equity (Parenthetical) (USD $)	12 Months Ended
	Dec. 31, 2013	Dec. 31, 2012
Dividends declared common stock, per share	$0.56	$0.50

Consolidated_Statements_of_Cas

Consolidated Statements of Cash Flows (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Cash flows from operating activities:	'	'
Net income	$1,135	$2,044
Adjustments to reconcile net income to net cash provided by operating activities:	'	'
Interest capitalized on interest-bearing time deposits with other banks	-106	-150
Amortization of securities, net	592	495
Writedown of available-for-sale securities	17	12
Gain on sales of available-for-sale securities	-126	-125
Change in deferred origination costs (fees), net	-374	-359
Provision for loan losses	345	320
Loans originated for sale	-72,081	-60,914
Proceeds from sales of loans originated for sale	70,278	63,027
Gain on sales of loans	-1,058	-2,113
Loss on sales of other real estate owned	45	38
Writedown of other real estate owned	42	'
Depreciation and amortization	252	220
Accretion on impairment of operating lease	-44	-45
Increase in other assets	-175	-516
Increase in interest receivable	-55	-55
(Increase) decrease in taxes receivable	-148	676
Deferred income tax expense	205	164
Increase in cash surrender value of bank owned life insurance	-209	-208
Excess tax benefit related to stock based compensation	-7	-2
Stock based compensation	156	82
(Decrease) increase in other liabilities	-12	382
Increase (decrease) in interest payable	3	-7
Net cash (used in) provided by operating activities	-1,325	2,966
Cash flows from investing activities:	'	'
Maturities and redemptions of interest-bearing time deposits with other banks	3,895	1,089
Purchase of Federal Home Loan Bank Stock	-1,607	-20
Redemption of Federal Home Loan Bank Stock	'	91
Purchases of available-for-sale securities	-35,183	-67,730
Proceeds from maturities of available-for-sale securities	23,361	28,761
Proceeds from sales of available-for-sale securities	11,493	4,249
Loan originations and principal collections, net	-28,134	-14,941
Loans purchased	-15,429	-4,603
Recoveries of loans previously charged off	7	15
Proceeds from sale of other real estate owned	126	111
Purchases of bank owned life insurance policies	'	-2,140
Investment in limited partnership	'	-381
Capital expenditures	-1,088	-360
Net cash used in investing activities	-42,559	-55,859
Cash flows from financing activities:	'	'
Net increase (decrease) in demand deposits, NOW and savings accounts	21,577	-158
Decrease in time deposits	-3,482	-4,210
Net increase in securities sold under agreements to repurchase	821	21
Net change in short-term advances	30,000	'
Proceeds from issuance of common stock	39	28
Excess tax benefit related to stock based compensation	7	2
Dividends paid - preferred stock	-94	-134
Dividends paid - common stock	-494	-436
Net cash provided by (used in) financing activities	48,374	-4,887
Net increase (decrease) in cash and cash equivalents	4,490	-57,780
Cash and cash equivalents at beginning of year	34,100	91,880
Cash and cash equivalents at end of year	38,590	34,100
Supplemental disclosures:	'	'
Interest paid	914	1,048
Income taxes paid (received)	77	-133
Loans transferred to other real estate owned	'	362
Increase in common stock dividends held in escrow	$7	$3

NATURE_OF_OPERATIONS

NATURE OF OPERATIONS	12 Months Ended
	Dec. 31, 2013
NATURE OF OPERATIONS	'
	NOTE 1 - NATURE OF OPERATIONS
	On March 2, 2006, The Simsbury Bank & Trust Company, Inc. (the “Bank”) reorganized into a holding company structure.  As a result, the Bank became a wholly-owned subsidiary of SBT Bancorp, Inc. (the “Company”) and each outstanding share of common stock of the Bank was converted into the right to receive one share of the common stock, no par value, of the Company.  The Company files reports with the Securities and Exchange Commission and is supervised by the Board of Governors of the Federal Reserve System.
	The Bank is a state chartered bank which was incorporated on April 28, 1992 and is headquartered in Simsbury, Connecticut.  The Bank commenced operations on March 31, 1995 engaging principally in the business of attracting deposits from the general public and investing those deposits in securities, residential and commercial real estate, consumer and small business loans.

ACCOUNTING_POLICIES

ACCOUNTING POLICIES	12 Months Ended
	Dec. 31, 2013
ACCOUNTING POLICIES	'
	NOTE 2 - ACCOUNTING POLICIES
	The accounting and reporting policies of the Company and its subsidiary conform to accounting principles generally accepted in the United States of America and predominant practices within the banking industry.  The consolidated financial statements of the Company were prepared using the accrual basis of accounting.  The significant accounting policies of the Company are summarized below to assist the reader in better understanding the consolidated financial statements and other data contained herein.
	USE OF ESTIMATES:
	The preparation of consolidated financial statements in conformity with accounting principles generally accepted in the United States of America requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the consolidated financial statements and the reported amounts of revenues and expenses during the reporting period.  Actual results could differ from those estimates.
	BASIS OF PRESENTATION:
	The consolidated financial statements include the accounts of the Company and its wholly-owned subsidiary the Bank and the Bank’s wholly-owned subsidiaries, SBT Investment Services, Inc. and NERE Holdings, Inc.  SBT Investment Services, Inc. was established solely for the purpose of providing investment products, financial advice and services to its clients and the community.  NERE Holdings, Inc. was established to hold real estate. All significant intercompany accounts and transactions have been eliminated in the consolidation.
	CASH AND CASH EQUIVALENTS:
	For purposes of reporting cash flows, cash and cash equivalents include cash on hand, cash items, due from banks, Federal Home Loan Bank interest-bearing demand and overnight deposits, Federal Reserve Bank interest-bearing demand deposits, money market mutual funds and federal funds sold.
	Cash and due from banks as of December 31, 2013 and 2012 includes $7,453,000 and $4,842,000, respectively, which is subject to withdrawals and usage restrictions to satisfy the reserve requirements of the Federal Reserve Bank of Boston and Bankers’ Bank Northeast.
	SECURITIES:
	Investments in debt securities are adjusted for amortization of premiums and accretion of discounts computed so as to approximate the interest method.  Gains or losses on sales of investment securities are computed on a specific identification basis.
	The Company classifies debt and equity securities into one of three categories:  held-to-maturity, available-for-sale, or trading.  These security classifications may be modified after acquisition only under certain specified conditions.  In general, securities may be classified as held-to-maturity only if the Company has the positive intent and ability to hold them to maturity.  Trading securities are defined as those bought and held principally for the purpose of selling them in the near term.  All other securities must be classified as available-for-sale.
		--	Held-to-maturity securities are measured at amortized cost in the consolidated balance sheets.  Unrealized holding gains and losses are not included in earnings, or in a separate component of capital.  They are merely disclosed in the notes to the consolidated financial statements.
		--	Available-for-sale securities are carried at fair value on the consolidated balance sheets.  Unrealized holding gains and losses are not included in earnings but are reported as a net amount (less expected tax) in a separate component of capital until realized.
		--	Trading securities are carried at fair value on the consolidated balance sheets.  Unrealized holding gains and losses for trading securities are included in earnings.
	For any debt security with a fair value less than its amortized cost basis, the Company will determine whether it has the intent to sell the debt security or whether it is more likely than not it will be required to sell the debt security before the recovery of its amortized cost basis.  If either condition is met, the Company will recognize a full impairment charge to earnings.  For all other debt securities that are considered other-than-temporarily impaired and do not meet either condition, the credit loss portion of impairment will be recognized in earnings as realized losses.  The other-than-temporary impairment related to all other factors will be recorded in other comprehensive income.
	Declines in marketable equity securities below their cost that are deemed other than temporary are reflected in earnings as realized losses.
	As a member of the Federal Home Loan Bank of Boston (FHLB), the Company is required to invest in $100 par value stock of the FHLB.  The FHLB capital structure mandates that members must own stock as determined by their Total Stock Investment Requirement which is the sum of a member’s Membership Stock Investment Requirement and Activity-Based Stock Investment Requirement.  The Membership Stock Investment Requirement is calculated as 0.35% of a member’s Stock Investment Base, subject to a minimum investment of $10,000 and a maximum investment of $25,000,000.  The Stock Investment Base is an amount calculated based on certain assets held by a member that are reflected on call reports submitted to applicable regulatory authorities.  The Activity-Based Stock Investment Requirement is calculated as 3.0% for overnight advances, 4.0% for FHLB advances with original terms to maturity of two days to three months and 4.5% for other advances plus a percentage of advance commitments, 0.5% of standby letters of credit issued by the FHLB and 4.5% of the value of intermediated derivative contracts.  Management evaluates the Company’s investment in FHLB stock for other-than-temporary impairment at least on a quarterly basis and more frequently when economic or market conditions warrant such evaluation.  Based on its most recent analysis of the FHLB as of December 31, 2013, management deems its investment in FHLB stock to be not other-than-temporarily impaired.
	LOANS HELD-FOR-SALE:
	Loans held-for-sale in the secondary market are carried at the lower of cost or estimated fair value in the aggregate.  Net unrealized losses are provided for in a valuation allowance by charges to operations.
	Interest income on mortgages held-for-sale is accrued currently and classified as interest on loans.
	LOANS:
	Loans receivable that management has the intent and ability to hold until maturity or payoff, are reported at their outstanding principal balances adjusted for amounts due to borrowers on unadvanced loans, any charge-offs, the allowance for loan losses and any deferred fees or costs on originated loans, or unamortized premiums or discounts on purchased loans.
	Interest on loans is recognized on a simple interest basis.
	Loan origination and commitment fees and certain direct origination costs are deferred, and the net amount amortized as an adjustment of the related loan's yield.  The Company is amortizing these amounts over the contractual life of the related loans.
	Residential real estate loans are generally placed on nonaccrual when reaching 90 days past due or in process of foreclosure.  All closed-end consumer loans 90 days or more past due and any equity line in the process of foreclosure are placed on nonaccrual status.  Secured consumer loans are written down to realizable value and unsecured consumer loans are charged-off upon reaching 120 or 180 days past due depending on the type of loan.  Commercial real estate loans and commercial business loans and leases which are 90 days or more past due are generally placed on nonaccrual status, unless secured by sufficient cash or other assets immediately convertible to cash.  When a loan has been placed on nonaccrual status, previously accrued and uncollected interest is reversed against interest on loans.  A loan can be returned to accrual status when collectability of principal is reasonably assured and the loan has performed for a period of time, generally six months.
	Cash receipts of interest income on impaired loans are credited to principal to the extent necessary to eliminate doubt as to the collectability of the net carrying amount of the loan.  Some or all of the cash receipts of interest income on impaired loans is recognized as interest income if the remaining net carrying amount of the loan is deemed to be fully collectible.  When recognition of interest income on an impaired loan on a cash basis is appropriate, the amount of income that is recognized is limited to that which would have been accrued on the net carrying amount of the loan at the contractual interest rate.  Any cash interest payments received in excess of the limit and not applied to reduce the net carrying amount of the loan are recorded as recoveries of charge-offs until the charge-offs are fully recovered.
	The Company has certain lending policies and procedures in place that are designed to maximize loan income with an acceptable level of risk.  Management reviews and approves these policies and procedures on an annual basis.  A reporting system is in place which provides management with frequent reports related to loan quality, loan production, loan delinquencies and non-performing or potential problem loans.
	Commercial and industrial loans are underwritten after evaluating historical and projected profitability and cash flow to determine the borrower’s ability to repay their obligation as agreed.  Underwriting standards are designed to promote relationship banking rather than transactional banking.  Commercial and industrial loans are made primarily based on the identified cash flow of the borrower and secondarily on the underlying collateral supporting the loan facility.  The cash flow of the borrower may not be as expected and the collateral supporting the loan may fluctuate in value.  Most commercial and industrial loans are secured by the assets being financed or other business assets such as accounts receivable and inventory and may incorporate a personal guarantee. Some loans may be made on an unsecured basis.  In the case of loans secured by accounts receivable, the availability of funds for the repayment of these loans may be substantially dependent upon the ability of the borrower to collect amounts due from its customers.
	Commercial real estate loans are subject to the underwriting standards and processes similar to commercial and industrial loans, in addition to those underwriting standards for real estate loans.  These loans are viewed primarily as cash flow dependent and secondarily as loans secured by real estate.  Commercial real estate lending typically involves higher principal balances and longer repayment periods.  Repayment of these loans is generally dependent upon the successful operation of the property securing the loan or the principal business conducted on the property securing the loan.  Commercial real estate loans may be adversely affected by conditions in the real estate markets or the economy in general.  The properties securing the Company’s commercial real estate portfolio are diverse in terms of type and geographic location.  This diversification reduces the exposure to adverse economic conditions that affect any single market or industry.  Management monitors and evaluates commercial real estate loans based on collateral, geography and risk-rating criteria.  The Company also utilizes third-party experts to provide environmental and market valuations, in addition to economic conditions and trends within a specific industry.  The Company also tracks the level of owner occupied commercial real estate loans within its commercial real estate portfolio.  At December 31, 2013, approximately 82% of the outstanding principal balance of the Company’s commercial real estate loans were secured by owner-occupied properties.
	With respect to land developers and builders that are secured by non-owner-occupied properties that the Company may originate from time to time, the Company generally requires that the borrower have a proven record of success.  Construction loans are underwritten based upon a financial analysis of the developers and property owners and construction cost estimates, in addition to independent appraisal valuations.  These loans will rely on the value associated with the project upon completion.  These cost and valuation estimates may be inaccurate.  Construction loans generally involve the disbursement of substantial funds over a short period of time with repayment substantially dependent upon the success of the completed project.  Sources of repayment of these loans would be permanent financing upon completion or sales of developed property.  These loans are closely monitored by onsite inspections and are considered to be of a higher risk than other real estate loans due to their ultimate repayment being sensitive to general economic conditions, availability of long-term financing, interest rate sensitivity, and governmental regulation of real property.
	The Company originates consumer loans utilizing a computer-based credit-scoring analysis to supplement the underwriting process.  To monitor and manage consumer loan risk, policies and procedures are developed and modified, as needed, jointly by staff and management.  This continual review, coupled with the high volume of borrowers of smaller dollar loans, minimizes risk.  Additionally, trend and outlook reports are reviewed by management on a regular basis.  Underwriting standards for home equity loans are heavily influenced by regulatory requirements, which include but are not limited to a maximum loan-to-value of 75%, collection remedies, the number of such loans that a borrower can have at one time, and documentation requirements.
	The Company engages an independent loan review firm that reviews and validates the credit risk program on a periodic basis.  Results of these reviews are presented to management and the Board of Directors.  The loan review process complements and reinforces the risk identification process and assessment decisions made by the relationship managers and credit officer, as well as the Company’s policies and procedures.
	ALLOWANCE FOR LOAN LOSSES:
	The allowance for loan losses is established as losses are estimated to have occurred through a provision for loan losses charged to earnings.  Loan losses are charged against the allowance when management believes the uncollectability of a loan balance is confirmed.  Subsequent recoveries, if any, are credited to the allowance.
	The allowance for loan losses is evaluated on a regular basis by management and is based upon management’s periodic review of the collectability of the loans in light of historical experience, the nature and volume of the loan portfolio, adverse situations that may affect the borrower’s ability to repay, estimated value of any underlying collateral and prevailing economic conditions.  This evaluation is inherently subjective as it requires estimates that are susceptible to significant revision as more information becomes available.
	General Component:
	The general component of the allowance for loan losses is based on historical loss experience adjusted for qualitative factors stratified by the following loan segments:  residential real estate, commercial real estate, construction, commercial and consumer.  Management uses a rolling average of historical losses based on a time frame appropriate to capture relevant loss data for each loan segment.  This historical loss factor is adjusted for the following qualitative factors:  levels/trends in delinquencies; trends in volume and terms of loans; effects of changes in risk selection and underwriting standards and other changes in lending policies, procedures and practices; experience/ability/depth of lending management and staff; and national and local economic trends and conditions.  There were no changes in the Company’s policies or methodology pertaining to the general component of the allowance for loan losses during 2013.
	The qualitative factors are determined based on the various risk characteristics of each loan segment.  Risk characteristics relevant to each portfolio segment are as follows:
	Residential real estate:  The Company generally does not originate loans with a loan-to-value ratio greater than 80 percent without obtaining private mortgage insurance for any amounts over 80% and does not grant subprime loans.  All loans in this segment are collateralized by owner-occupied residential real estate and repayment is dependent on the credit quality of the individual borrower.  The overall health of the economy, including unemployment rates and housing prices, will have an effect on the credit quality in this segment.
	Commercial real estate:  Loans in this segment are primarily income-producing properties throughout the Farmington Valley in Connecticut.  The underlying cash flows generated by the properties are adversely impacted by a downturn in the economy as evidenced by increased vacancy rates, which in turn will have an effect on the credit quality in this segment.  Management periodically obtains rent rolls annually and continually monitors the cash flows of these loans.
	Construction loans:  Loans in this segment primarily include speculative real estate development loans for which payment is derived from sale of the property.  Credit risk is affected by cost overruns, time to sell at an adequate price, and market conditions.
	Commercial loans:  Loans in this segment are made to businesses and are generally secured by assets of the business.  Repayment is expected from the cash flows of the business.  A weakened economy, and resultant decreased consumer spending, will have an effect on the credit quality in this segment.
	Consumer loans:  Loans in this segment are generally unsecured and repayment is dependent on the credit quality of the individual borrower.
	Allocated Component:
	The allocated component relates to loans that are classified as impaired.  Impairment is measured on a loan-by-loan basis for commercial, commercial real estate and construction loans by either the present value of expected future cash flows discounted at the loan’s effective interest rate or the fair value of the collateral if the loan is collateral dependent.  An allowance is established when the discounted cash flows (or collateral value) of the impaired loan is lower than the carrying value of that loan.  Large groups of smaller balance homogeneous loans are collectively evaluated for impairment.  Accordingly, the Company does not separately identify individual consumer and residential real estate loans for impairment disclosures, unless such loans are subject to a troubled debt restructuring agreement.
	A loan is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement.  Factors considered by management in determining impairment include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due.  Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired.  Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record, and the amount of the shortfall in relation to the principal and interest owed.
	The Company periodically may agree to modify the contractual terms of loans.  When a loan is modified and a concession is made to a borrower experiencing financial difficulty, the modification is considered a troubled debt restructuring ("TDR").  All TDRs are initially classified as impaired.
	UNALLOCATED COMPONENT:
	An unallocated component is maintained to cover uncertainties that could affect management’s estimate of probable losses.  The unallocated component of the allowance reflects the margin of imprecision inherent in the underlying assumptions used in the methodologies for estimating allocated and general reserves in the portfolio.
	PREMISES AND EQUIPMENT:
	Premises and equipment are stated at cost, less accumulated depreciation and amortization.  Cost and related allowances for depreciation and amortization of premises and equipment retired or otherwise disposed of are removed from the respective accounts with any gain or loss included in income or expense.  Depreciation and amortization are calculated principally on the straight-line method over the estimated useful lives of the assets.  Estimated lives are 3 to 20 years for furniture and equipment.  Leasehold improvements are amortized over the lesser of the life of the lease or the estimated life of the improvements.
	OTHER REAL ESTATE OWNED AND IN-SUBSTANCE FORECLOSURES:
	Other real estate owned includes properties acquired through foreclosures and properties classified as in-substance foreclosures in accordance with ASC 310-40, “Receivables – Troubled Debt Restructuring by Creditors.”  These properties are carried at the lower of cost or estimated fair value less estimated costs to sell.  Any writedown from cost to estimated fair value required at the time of foreclosure or classification as in-substance foreclosure is charged to the allowance for loan losses.  Expenses incurred in connection with maintaining these assets, subsequent writedowns, and gains or losses recognized upon sale are included in other expense.
	In accordance with ASC 310-10-35, “Receivables – Overall – Subsequent Measurements,” the Company classifies loans as in-substance repossessed or foreclosed if the Company receives physical possession of the debtor’s assets regardless of whether formal foreclosure proceedings take place.
	FAIR VALUES OF FINANCIAL INSTRUMENTS:
	ASC 825,“Financial Instruments,” requires that the Company disclose estimated fair values for its financial instruments.  Fair value methods and assumptions used by the Company in estimating its fair value disclosures are as follows:
	Cash and cash equivalents:  The carrying amounts reported in the balance sheets for cash and cash equivalents approximate those assets' fair values.
	Interest-bearing time deposits with banks:  The fair values of interest bearing time deposits with banks are estimated using discounted cash flow analyses using interest rates currently being offered for deposits with similar terms to investors.
	Securities:  Fair values for securities are based on quoted market prices, where available.  If quoted market prices are not available, fair values are based on quoted market prices of comparable instruments.
	Loans held-for-sale:  Fair values for loans held-for-sale are estimated based on outstanding investor commitments, or in the absence of such commitments, are based on current investor yield requirements.
	Loans receivable:  For variable-rate loans that reprice frequently and with no significant change in credit risk, fair values are based on carrying values.  The fair values for other loans are estimated by discounting the future cash flows, using interest rates currently being offered for loans with similar terms to borrowers of similar credit quality.
	Accrued interest receivable:  The carrying amount of accrued interest receivable approximates its fair value.
Deposit liabilities:  The fair values disclosed for demand deposits, regular savings, NOW accounts, and money market accounts are equal to the amount payable on demand at the reporting date (i.e., their carrying amounts).  Fair values for certificates of deposit are estimated using a discounted cash flow calculation that applies interest rates currently being offered on certificates to a schedule of aggregated expected monthly maturities on time deposits.
Federal Home Loan Bank advances:  Fair values of Federal Home Loan Bank advances are estimated using discounted cash flow analyses based on the Company’s current incremental borrowing rates for similar types of borrowing arrangements.
Securities sold under agreements to repurchase:  The carrying amounts of securities sold under agreements to repurchase approximate their fair values.
Off-balance sheet instruments:  The fair value of commitments to originate loans is estimated using the fees currently charged to enter similar agreements, taking into account the remaining terms of the agreements and the present creditworthiness of the counterparties.  For fixed-rate loan commitments and the unadvanced portion of loans, fair value also considers the difference between current levels of interest rates and the committed rates.  The fair value of letters of credit is based on fees currently charged for similar agreements or on the estimated cost to terminate them or otherwise settle the obligation with the counterparties at the reporting date.
ADVERTISING:
The Company directly expenses costs associated with advertising as they are incurred.
INCOME TAXES:
The Company recognizes income taxes under the asset and liability method.  Under this method, deferred tax assets and liabilities are established for the temporary differences between the accounting basis and the tax basis of the Company's assets and liabilities at enacted tax rates expected to be in effect when the amounts related to such temporary differences are realized or settled.
STOCK BASED COMPENSATION:
At December 31, 2013, the Company has stock-based employee compensation plans which are described more fully in Note 18.  The Company accounts for the plan under ASC 718-10, “Compensation – Stock Compensation – Overall.”  During the years ended December 31, 2013 and 2012, $156,000 and $82,000, respectively, in stock-based employee compensation was recognized.
EARNINGS PER SHARE:
The Company defines unvested share-based payment awards that contain nonforfeitable rights to dividends as participating securities that are included in computing EPS using the two-class method.
The two-class method is an earnings allocation formula that determines earnings per share for each share of common stock and participating securities according to dividends declared and participation rights in undistributed earnings.  Under this method, all earnings (distributed and undistributed) are allocated to common shares and participating securities based on their respective rights to receive dividends.  Earnings per common share is calculated by dividing earnings allocated to common shareholders by the weighted-average number of common shares outstanding during the period.
Basic EPS excludes dilution and is computed by dividing income allocated to common stockholders by the weighted-average number of common shares outstanding for the period.  Diluted EPS reflects the potential dilution that could occur if securities or other contracts to issue common stock were exercised or converted into common stock or resulted in the issuance of common stock that then shared in the earnings of the entity.
RECENT ACCOUNTING PRONOUNCEMENTS:
In December 2011, the Financial Accounting Standards Board (FASB) issued ASU 2011-11, “Balance Sheet (Topic 210):  Disclosures about Offsetting Assets and Liabilities.”  The objective of this ASU is to enhance current disclosures.  Entities are required to disclose both gross information and net information about both instruments and transactions eligible for offset in the statement of financial position and instruments and transactions subject to an agreement similar to a master netting arrangement.  The amendments in this ASU are effective for annual periods beginning on or after January 1, 2013, and interim periods within those annual periods.  An entity should provide the disclosures required by those amendments retrospectively for all comparative periods presented.  The adoption of this guidance did not have a material impact on the Company’s consolidated financial statements.
In October 2012, the FASB issued ASU 2012-06, “Business Combinations (Topic 805): Subsequent Accounting for an Indemnification Asset Recognized at the Acquisition Date as a Result of a Government-Assisted Acquisition of a Financial Institution.”  The amendments in this update clarify the applicable guidance for subsequently measuring an indemnification asset recognized as a result of a government-assisted acquisition of a financial institution.  The amendments in this update are effective for fiscal years, and interim periods within those years beginning on or after December 15, 2012.  The adoption of this guidance did not have a material impact on the Company’s consolidated financial statements.
In February 2013, the FASB issued ASU 2013-02, “Comprehensive Income (Topic 220): Reporting of Amounts Reclassified Out of Accumulated Other Comprehensive Income.”  The amendments in this update do not change the current requirements for reporting net income or other comprehensive income in financial statements.  However, the amendments require an entity to provide information about the amounts reclassified out of accumulated other comprehensive income by component.  In addition, an entity is required to present, either on the face of the statement where net income is presented or in the notes, significant amounts reclassified out of accumulated other comprehensive income by the respective line items of net income but only if the amount reclassified is required under U.S. GAAP to be reclassified to net income in its entirety in the same reporting period.  For other amounts that are not required under U.S. GAAP to be reclassified in their entirety to net income, an entity is required to cross-reference to other disclosures required under U.S. GAAP that provide additional detail about those amounts.  The amendments are effective prospectively for reporting periods beginning after December 15, 2012.  Early adoption is permitted.  The adoption of this guidance did not have a material impact on the Company’s consolidated financial statements.
In February 2013, the FASB issued ASU 2013-04, “Liabilities (Topic 405):  Obligations Resulting from Joint and Several Liability Arrangements for Which the Total Amount of the Obligation Is Fixed at the Reporting Date.”  The objective of the amendments in this ASU is to provide guidance for the recognition, measurement, and disclosure of obligations resulting from joint and several liability arrangements for which the total amount of the obligation within the scope of this guidance is fixed at the reporting date, except for obligations addressed within existing guidance in U.S. generally accepted accounting principles (GAAP).  Examples of obligations within the scope of this ASU include debt arrangements, other contractual obligations, and settled litigation and judicial rulings.  The amendments in this ASU are effective for fiscal years, and interim periods within those years, beginning after December 15, 2013; and should be applied retrospectively to all prior periods presented for those obligations resulting from joint and several liability arrangements within the ASU scope that exist at the beginning of an entity’s fiscal year of adoption.  The Company anticipates that the adoption of this guidance will not have a material impact on its consolidated financial statements.
In April 2013, the FASB issued ASU 2013-07, “Presentation of Financial Statements (Topic 205):  Liquidation Basis of Accounting.”  The amendments in this ASU are being issued to clarify when an entity should apply the liquidation basis of accounting.  The guidance provides principles for the recognition and measurement of assets and liabilities and requirements for financial statements prepared using the liquidation basis of accounting.  Additionally, the amendments require disclosures about an entity’s plan for liquidation, the methods and significant assumptions used to measure assets and liabilities, the type and amount of costs and income accrued, and the expected duration of the liquidation process.  The amendments are effective for entities that determine liquidation is imminent during annual reporting periods beginning after December 15, 2013, and interim reporting periods therein.  Entities should apply the requirements prospectively from the day that liquidation becomes imminent.  Early adoption is permitted.  The Company anticipates that the adoption of this guidance will not have a material impact on its consolidated financial statements.
In July 2013, the FASB issued ASU 2013-10, “Derivatives and Hedging (Topic 815): Inclusion of the Fed Funds Effective Swap Rate (or Overnight Index Swap Rate) as a Benchmark Interest Rate for Hedge Accounting Purposes.”  The amendments in this ASU permit the Fed Funds Effective Swap Rate (OIS) to be used as a U.S. benchmark interest rate for hedge accounting purposes under Topic 815, in addition to Treasury Obligations of the U.S. government (UST) and the London Interbank Offered Rate (LIBOR).  The amendments also remove the restriction on using different benchmark rates for similar hedges.  The amendments apply to all entities that elect to apply hedge accounting of the benchmark interest rate under Topic 815.  The amendments are effective prospectively for qualifying new or redesignated hedging relationships entered into on or after July 17, 2013.  The adoption of this guidance did not have a material impact on the Company’s consolidated financial statements.
In July 2013, the FASB issued ASU 2013-11, “Income Taxes (Topic 740):  Presentation of an Unrecognized Tax Benefit When a Net Operating Loss Carryforward, a Similar Tax Loss, or a Tax Credit Carryforward Exists.”  The amendments in this ASU provide guidance for the financial statement presentation of an unrecognized tax benefit when a net operating loss carryforward, a similar tax loss, or a tax credit carryforward exists.  The amendments in this ASU are expected to reduce diversity in practice by providing guidance on the presentation of unrecognized tax benefits and will better reflect the manner in which an entity would settle at the reporting date any additional income taxes that would result from the disallowance of a tax position when net operating loss carryforwards, similar tax losses, or tax credit carryforwards exist.  The amendments apply to all entities that have unrecognized tax benefits when a net operating loss carryforward, a similar tax loss, or a tax credit carryforward exists at the reporting date and are effective for fiscal years, and interim periods within those years, beginning after December 15, 2013.  The Company anticipates that the adoption of this guidance will not have a material impact on its consolidated financial statements.
In January 2014, the FASB issued ASU 2014-01, “Investments - Equity Method and Joint Ventures (Topic 323):  Accounting for Investments in Qualified Affordable Housing Projects.”  The amendments in this ASU apply to all reporting entities that invest in qualified affordable housing projects through limited liability entities that are flow-through entities for tax purposes as follows:
1.	For reporting entities that meet the conditions for and that elect to use the proportional amortization method to account for investments in qualified affordable housing projects, all amendments in this ASU apply.
2.	For reporting entities that do not meet the conditions for or that do not elect the proportional amortization method, only the amendments in this ASU that are related to disclosures apply.
The amendments in this ASU permit reporting entities to make an accounting policy election to account for their investments in qualified affordable housing projects using the proportional amortization method if certain conditions are met.  Under the proportional amortization method, an entity amortizes the initial cost of the investment in proportion to the tax credits and other tax benefits received and recognizes the net investment performance in the income statement as a component of income tax expense (benefit).  For those investments in qualified affordable housing projects not accounted for using the proportional amortization method, the investment should be accounted for as an equity method investment or a cost method investment in accordance with Subtopic 970-323.  The amendments in this ASU should be applied retrospectively to all periods presented.  A reporting entity that uses the effective yield method to account for its investments in qualified affordable housing projects before the date of adoption may continue to apply the effective yield method for those preexisting investments.  The amendments in this ASU are effective for public business entities for annual periods and interim reporting periods within those annual periods, beginning after December 15, 2014.  For all entities other than public business entities, the amendments are effective for annual periods beginning after December 15, 2014, and interim periods within annual reporting periods beginning after December 15, 2015.  Early adoption is permitted.  The Company anticipates that the adoption of this guidance will not have a material impact on its consolidated financial statements.
In January 2014, the FASB issued ASU 2014-02, “Intangibles-Goodwill and Other (Topic 350):  Accounting for Goodwill.”  The amendments in this ASU apply to all entities except for public business entities and not-for-profit entities as defined in the Master Glossary of the Accounting Standards Codification and employee benefit plans within the scope of Topics 960 through 965 on plan accounting.  An entity within the scope of the amendments that elects to apply the accounting alternative in this ASU is subject to all of the related subsequent measurement, derecognition, other presentation matters, and disclosure requirements within the accounting alternative.  The amendments in this ASU allow an accounting alternative for the subsequent measurement of goodwill.  An entity within the scope of the amendments that elects the accounting alternative in this ASU should amortize goodwill on a straight-line basis over 10 years, or less than 10 years if the entity demonstrates that another useful life is more appropriate.  An entity that elects the accounting alternative is further required to make an accounting policy election to test goodwill for impairment at either the entity level or the reporting unit level.  The accounting alternative, if elected, should be applied prospectively to goodwill existing as of the beginning of the period of adoption and new goodwill recognized in annual periods beginning after December 15, 2014, and interim periods within annual periods beginning after December 15, 2015.  Early application is permitted, including application to any period for which the entity’s annual or interim financial statements have not yet been made available for issuance.  The Company anticipates that the adoption of this guidance will not have a material impact on its consolidated financial statements.
In January 2014, the FASB issued ASU 2014-04, “Receivables-Troubled Debt Restructurings by Creditors (Subtopic 310-40):  Reclassification of Residential Real Estate Collateralized Consumer Mortgage Loans upon Foreclosure.”  The objective of the amendments in this ASU is to reduce diversity by clarifying when an in substance repossession or foreclosure occurs, that is, when a creditor should be considered to have received physical possession of residential real estate property collateralizing a consumer mortgage loan such that the loan receivable should be derecognized and the real estate property recognized.  The amendments in this ASU clarify that an in substance repossession or foreclosure occurs, and a creditor is considered to have received physical possession of residential real estate property collateralizing a consumer mortgage loan, upon either (1) the creditor obtaining legal title to the residential real estate property upon completion of a foreclosure or (2) the borrower conveying all interest in the residential real estate property to the creditor to satisfy that loan through completion of a deed in lieu of foreclosure or through a similar legal agreement.  Additionally, the amendments require interim and annual disclosure of both (1) the amount of foreclosed residential real estate property held by the creditor and (2) the recorded investment in consumer mortgage loans collateralized by residential real estate property that are in the process of foreclosure according to local requirements of the applicable jurisdiction.  The amendments in this ASU are effective for public business entities for annual periods, and interim periods within those annual periods, beginning after December 15, 2014.  For entities other than public business entities, the amendments in this ASU are effective for annual periods beginning after December 15, 2014, and interim periods within annual periods beginning after December 15, 2015.  An entity can elect to adopt the amendments in this ASU using either a modified retrospective transition method or a prospective transition method.  The Company is reviewing this ASU to determine if there will be a material impact on the Company’s consolidated financial statements.

INVESTMENTS_IN_AVAILABLEFORSAL

INVESTMENTS IN AVAILABLE-FOR-SALE SECURITIES	12 Months Ended
	Dec. 31, 2013
INVESTMENTS IN AVAILABLE-FOR-SALE SECURITIES	'
	NOTE 3 - INVESTMENTS IN AVAILABLE-FOR-SALE SECURITIES
	Debt and equity securities have been classified in the consolidated balance sheets according to management’s intent. The amortized cost of securities and their approximate fair values are as follows as of December 31:
		Amortized				Gross			Gross
		Cost				Unrealized			Unrealized		Fair
		Basis				Gains			Losses		Value
		(In Thousands)
	December 31, 2013:
	Debt securities issued by U.S. government corporations
	and agencies		$	18,767		$	-		$	520	$	18,247
	Obligations of states and municipalities			13,780			391			198		13,973
	Mortgage-backed securities			56,799			126			2,357		54,568
	SBA loan pools			611			50			-		661
	Money market mutual funds			346			-			-		346
				90,303			567			3,075		87,795
	Money market mutual funds included in cash
	and cash equivalents			(346	)		-			-		(346	)
			$	89,957		$	567		$	3,075	$	87,449
	December 31, 2012:
	Debt securities issued by U.S. government corporations
	and agencies		$	30,760		$	86		$	11	$	30,835
	Obligations of states and municipalities			13,598			956			3		14,551
	Corporate debt securities			2,006			52			5		2,053
	Mortgage-backed securities			42,737			601			81		43,257
	SBA loan pools			1,010			114			-		1,124
	Money market mutual funds			358			-			-		358
				90,469			1,809			100		92,178
	Money market mutual funds included in cash
	and cash equivalents			(358	)		-			-		(358	)
			$	90,111		$	1,809		$	100	$	91,820
	The scheduled maturities of securities were as follows as of December 31, 2013:
			Fair
			Value
			(In Thousands)
	Due after one year through five years		$	13,119
	Due after five years through ten years			8,831
	Due after ten years			10,270
	Mortgage-backed securities			54,568
	SBA loan pools			661
			$	87,449
	During 2013, proceeds from sales of available-for-sale securities amounted to $11,493,000. Gross realized gains on those sales amounted to $126,000. The tax expense applicable to these gross realized gains amounted to $43,000. During 2012, proceeds from sales of available-for-sale securities amounted to $4,249,000. Gross realized gains on those sales amounted to $125,000. The tax expense applicable to these gross realized gains amounted to $42,000.
	There were no securities of issuers that exceeded 10% of stockholders’ equity at December 31, 2013.
	As of December 31, 2013 and 2012, the total carrying amounts of securities pledged for securities sold under agreements to repurchase and public deposits were $15,418,000 and $14,819,000, respectively.
	The aggregate fair value and unrealized losses of securities that have been in a continuous unrealized loss position for less than twelve months and for twelve months or more are as follows:
			Less than 12 Months						12 Months or Longer					Total
			Fair			Unrealized			Fair		Unrealized			Fair		Unrealized
			Value			Losses			Value		Losses			Value		Losses
			(In Thousands)
	December 31, 2013:
	Debt securities issued by U.S. Government
	corporations and agencies		$	18,247		$	520		$	-	$	-		$	18,247	$	520
	Obligations of states and municipalities			3,340			198			-		-			3,340		198
	Mortgage-backed securities			42,185			1,958			6,240		359			48,425		2,317
	Total temporarily impaired securities			63,772			2,676			6,240		359			70,012		3,035
	Other-than-temporarily impaired securities:
	Mortgage-backed securities			-			-			331		40			331		40
	Total temporarily impaired and other-
	than-temporarily impaired securities		$	63,772		$	2,676		$	6,571	$	399		$	70,343	$	3,075
	December 31, 2012:
	Debt securities issued by U.S. Government
	corporations and agencies		$	2,989		$	11		$	-	$	-		$	2,989	$	11
	Obligations of states and municipalities			720			3			-		-			720		3
	Corporate debt securities			-			-			495		5			495		5
	Mortgage-backed securities			8,642			20			118		3			8,760		23
Total temporarily impaired securities			12,351			34			613		8			12,964		42
Other-than-temporarily impaired securities:
Mortgage-backed securities			-			-			280		58			280		58
Total temporarily impaired and other-
than-temporarily impaired securities		$	12,351		$	34		$	893	$	66		$	13,244	$	100
The investments in the Company’s investment portfolio that are temporarily impaired as of December 31, 2013 consist of debt issued by states of the United States and political subdivisions of the states and U.S. government corporations and agencies. Company management considers investments with an unrealized loss as of December 31, 2013 to be only temporarily impaired because the impairment is attributable to changes in market interest rates and current market inefficiencies. Company management anticipates that the fair value of securities that are currently impaired will recover to cost basis. As management has the intent and ability to hold these securities for the foreseeable future, no declines are deemed to be other than temporary.
The following table summarizes other-than-temporary impairment losses on debt securities for the years ended December 31, 2013 and 2012:
		2013			2012
		Mortgage-Backed			Mortgage-Backed
		Securities			Securities
		(In Thousands)
Total other-than-temporary impairment losses		$	57		$	70
Less: unrealized other-than-temporary losses
recognized in other comprehensive loss (1)			(40	)		(58	)
Net impairment losses recognized in earnings (2)		$	17		$	12
(1) Represents the noncredit component of the other-than-temporary impairment on the securities.
(2) Represents the credit component of the other-than-temporary impairment on securities.
Activity related to the credit component recognized in earnings on debt securities held by the Company for which a portion of other-than-temporary impairment was recognized in other comprehensive income for the year ended December 31, 2013 is as follows:
		Mortgage-Backed
		Securities
		(In Thousands)
Balance, December 31, 2012		$	12
Additions for the credit component on debt securities in which
other-than-temporary impairment was previously recognized			17
Balance, December 31, 2013		$	29
For the year ended December 31, 2013, securities with other-than-temporary impairment losses related to credit that were recognized in earnings consisted of two private label collateralized mortgage obligations (CMOs). The par value of these three securities were written down by $17,000 by the issuers.
Activity related to the credit component recognized in earnings on debt securities held by the Company for which a portion of other-than-temporary impairment was recognized in other comprehensive income for the year ended December 31, 2012 is as follows:
		Mortgage-Backed
		Securities
		(In Thousands)
Balance, December 31, 2011		$	0
Additions for the credit component on debt securities in which
other-than-temporary impairment was not previously recognized			12
Balance, December 31, 2012		$	12
For the year ended December 31, 2012, securities with other-than-temporary impairment losses related to credit that were recognized in earnings consisted of two private label collateralized mortgage obligations (CMOs). The par value of these two securities were written down by $12,000 by the issuers.

LOANS

LOANS	12 Months Ended
	Dec. 31, 2013
LOANS	'
	NOTE 4 - LOANS
	Loans consisted of the following as of December 31:
			2013			2012
			(In Thousands)
	Commercial and industrial		$	18,432		$	13,991
	Real estate:
	Construction and land development			7,773			2,982
	Residential			137,539			118,316
	Commercial			48,814			41,978
	Municipal			6,344			-
	Home equity			46,742			45,245
	Municipal			2,144			1,478
	Consumer			10,664			11,053
				278,452			235,043
	Allowance for loan losses			(2,792	)		(2,594	)
	Deferred loan origination costs, net			1,215			841
	Net loans		$	276,875		$	233,290
	The following tables set forth information regarding the allowance for loan losses by portfolio segment:
			Real Estate:
									Construction
									and Land							Commercial
			Residential			Commercial			Development				Home Equity			and Industrial			Consumer			Unallocated			Total
			(In Thousands)
	December 31, 2013:
	Allowance for loan
	losses:
	Beginning balance		$	1,051		$	586		$	142			$	362		$	219		$	99		$	135		$	2,594
	Charge-offs			(40	)		(54	)		-				-			(2	)		(58	)		-			(154	)
	Recoveries			-			-			-				-			4			3			-			7
	Provision (benefit)			178			216			69				(59	)		18			58			(135	)		345
	Ending balance		$	1,189		$	748		$	211			$	303		$	239		$	102		$	-		$	2,792
	Ending balance:
	Individually evaluated
	for impairment		$	-		$	-		$	-			$	-		$	-		$	-		$	-		$	-
	Ending balance:
	Collectively evaluated
	for impairment			1,189			748			211				303			239			102			-			2,792
	Total allowance for loan
	losses ending
	balance		$	1,189		$	748		$	211			$	303		$	239		$	102		$	-		$	2,792
	Loans:
	Ending balance:
	Individually evaluated
	for impairment		$	175		$	924		$	222			$	4		$	-		$	-		$	-		$	1,325
	Ending balance:
	Collectively evaluated
	for impairment			137,364			54,234			7,551				46,738			20,576			10,664			-			277,127
	Total loans ending balance		$	137,539		$	55,158		$	7,773			$	46,742		$	20,576		$	10,664		$	-		$	278,452
			Real Estate:
									Construction
									and Land							Commercial
			Residential			Commercial			Development				Home Equity			and Industrial			Consumer			Unallocated			Total
			(In Thousands)
	December 31, 2012:
	Allowance for loan
	losses:
	Beginning balance		$	750		$	573		$	22			$	342		$	422		$	194		$	166		$	2,469
	Charge-offs			(113	)		(25	)		(49	)			-			-			(23	)		-			(210	)
	Recoveries			-			-			1				-			5			9			-			15
	Provision (benefit)			414			38			168				20			(208	)		(81	)		(31	)		320
	Ending balance		$	1,051		$	586		$	142			$	362		$	219		$	99		$	135		$	2,594
	Ending balance:
	Individually evaluated
for impairment		$	-		$	-		$	-			$	-		$	-		$	-		$	-		$	-
Ending balance:
Collectively evaluated
for impairment			1,051			586			142				362			219			99			135			2,594
Total allowance for loan
losses ending
balance		$	1,051		$	586		$	142			$	362		$	219		$	99		$	135		$	2,594
Loans:
Ending balance:
Individually evaluated
for impairment		$	180		$	119		$	163			$	5		$	-		$	-		$	-		$	467
Ending balance:
Collectively evaluated
for impairment			118,136			41,859			2,819				45,240			15,469			11,053			-			234,576
Total loans ending balance		$	118,316		$	41,978		$	2,982			$	45,245		$	15,469		$	11,053		$	-		$	235,043
The following tables present the Company’s loans by risk rating as of December 31:
	Real Estate:
								Construction
								and Land							Commercial
	Residential				Commercial			Development				Home Equity			and Industrial			Consumer			Total
	(In Thousands)
December 31, 2013:
Grade:
Pass		$	-		$	50,520		$	6,042			$	-		$	18,425		$	-		$	74,987
Special mention			-			2,661			1,163				-			1,175			-			4,999
Substandard			1,601			1,977			568				116			976			-			5,238
Loans not
formally rated			135,938			-			-				46,626			-			10,664			193,228
Total		$	137,539		$	55,158		$	7,773			$	46,742		$	20,576		$	10,664		$	278,452
		Real Estate:
								Construction
								and Land							Commercial
		Residential			Commercial			Development				Home Equity			and Industrial			Consumer			Total
		(In Thousands)
December 31, 2012:
Grade:
Pass		$	-		$	36,748		$	2,381			$	-		$	13,048		$	-		$	52,177
Special mention			-			3,778			438				-			2,268			-			6,484
Substandard			572			1,452			163				155			153			-			2,495
Loans not
formally rated			117,744			-			-				45,090			-			11,053			173,887
Total		$	118,316		$	41,978		$	2,982			$	45,245		$	15,469		$	11,053		$	235,043
Credit Quality Indicators: As part of the ongoing monitoring of the credit quality of the Company’s loan portfolio, management tracks certain credit quality indicators including trends related to (i) weighted average risk rating of commercial loans; (ii) the level of classified and criticized commercial loans; (iii) non performing loans; (iv) net charge-offs and (v) the general economic conditions within the State of Connecticut.
The Company utilizes a risk rating grading matrix to assign a risk grade to each of its commercial loans. Loans are graded on a scale of 1 to 7. A description of each rating class is as follows:
Risk Rating 1 (Superior) – This risk rating is assigned to loans secured by cash.
Risk Rating 2 (Good) – This risk rating is assigned to borrowers of high credit quality who have primary and secondary sources of repayment which are well defined and fully confirmed.
Risk Rating 3 (Satisfactory) – This risk rating is assigned to borrowers who are fully responsible for the loan or credit commitment, which has primary and secondary sources of repayment that are well defined and adequately confirmed. Most credit factors are favorable, and the credit exposure is managed through normal monitoring.
Risk Rating 3.5 (Bankable with Care) – This risk rating is assigned to borrowers who are fully responsible for the loan or credit commitment and the secondary sources of repayment are weak. These loans may require more than the average amount of attention from the relationship manager.
Risk Rating 4 (Special Mention) – This risk rating is assigned to borrowers which may be adequately protected by the present debt service capacity and tangible net worth of the borrower, but which have potential problems that could, if not checked or corrected, eventually weaken these assets or otherwise jeopardize the repayment of principal and interest as originally intended. Most credit factors are unfavorable, and the credit exposure requires immediate corrective action
Risk Rating 5 (Substandard) – This risk rating is assigned to borrowers who have inadequate cash flow or collateral to satisfy their loan obligations as originally defined in the loan agreement. Substandard loans may be placed on nonaccrual status if the conditions described above are generally met.
Risk Rating 6 (Doubtful) – This risk rating is assigned to a borrower or portion of a borrower’s loan with which the Company is no longer certain of its collectability. A specific reserve allocation is assigned to this portion of the loan.
Risk Rating 7 (Loss) – This risk rating is assigned to loans which have been charged off or the portion of the loan that has been charged down. “Loss” does not imply that the loan, or portion of, will never be paid, nor does it imply that there has been a forgiveness of debt.
Loans not formally rated include residential, home equity and consumer loans. As of December 31, 2013, $196.1 million of the total residential, home equity and consumer loan portfolio of $197.7 million were not formally rated. As of December 31, 2012, $173.9 million of the total residential, home equity and consumer loan portfolio of $174.6 million were not formally rated. The performance of these loans is measured by delinquency status. The Company underwrites first mortgage loans in accordance with FHLMC and FNMA guidelines. These guidelines provide for specific requirements with regard to documentation and loan to value and debt to income ratios. Home equity loan and line guidelines place a maximum loan to value ratio of 80% on these loans and the Company requires full underwriting disclosure documentation for these loans. These underwriting factors have produced a high performance loan portfolio. Total delinquent loans, consisting of loans past due 60 days or more, increased from 0.54% of total loans outstanding as of December 31, 2012 to 1.17% of total loans outstanding as of December 31, 2013.
An age analysis of past-due loans, segregated by class of loans is as follows as of December 31:
																					90 Days
								90 Days													or More
								or More				Total			Total			Total			Past Due			Nonaccrual
	30–59 Days				60–89 Days			Past Due				Past Due			Current			Loans			and Accruing			Loans
	(In Thousands)
December 31, 2013:
Real estate:
Residential		$	-		$	720		$	1,253			$	1,973		$	135,566		$	137,539		$	-		$	1,597
Commercial			-			-			924				924			47,890			48,814			-			924
Construction and
land development			-			-			204				204			7,569			7,773			-			222
Home equity			-			94			83				177			46,565			46,742			-			83
Municipal			-			-			-				-			6,344			6,344			-			-
Commercial and industrial			-			-			-				-			18,432			18,432			-			-
Municipal			-			-			-				-			2,144			2,144			-			-
Consumer			128			-			26				154			10,510			10,664			3			23
Total		$	128		$	814		$	2,490			$	3,432		$	275,020		$	278,452		$	3		$	2,849
December 31, 2012:
Real estate:
Residential		$	-		$	490		$	563			$	1,053		$	117,263		$	118,316		$	-		$	821
Commercial			-			-			-				-			41,978			41,978			-			119
Construction and
land development			-			-			163				163			2,819			2,982			-			163
Home equity			25			36			-				61			45,184			45,245			-			120
Commercial and industrial			-			-			-				-			13,991			13,991			-			-
Municipal			-			-			-				-			1,478			1,478			-			-
Consumer			110			-			17				127			10,926			11,053			-			17
Total		$	135		$	526		$	743			$	1,404		$	233,639		$	235,043		$	-		$	1,240
Information about loans that meet the definition of an impaired loan in ASC 310-10-35 is as follows as of and for the years ended December 31:
					Unpaid							Average			Interest
	Recorded				Principal			Related				Recorded			Income
	Investment				Balance			Allowance				Investment			Recognized
		(In Thousands)
December 31, 2013:
With no related allowance recorded:
Real estate:
Residential		$	175		$	175		$	-			$	178		$	6
Commercial			924			924			-				929			3
Home equity			4			4			-				5			-
Construction and land development			222			222			-				212			-
Total impaired with no related allowance		$	1,325		$	1,325		$	-			$	1,324		$	9
With an allowance recorded:
Total impaired with an allowance recorded		$	-		$	-		$	-			$	-		$	-
Total
Real estate:
Residential		$	175		$	175		$	-			$	178		$	6
Commercial			924			924			-				929			3
Home equity			4			4			-				5			-
Construction and land development			222			222			-				212			-
Total impaired loans		$	1,325		$	1,325		$	-			$	1,324		$	9
December 31, 2012:
With no related allowance recorded:
Real estate:
Residential		$	180		$	180		$	-			$	449		$	15
Commercial			119			119			-				115			7
Home equity			5			5			-				6			-
Construction and land development			163			163			-				257			62
Commercial and industrial			-			-			-				70			5
Total impaired with no related allowance		$	467		$	467		$	-			$	897		$	89
With an allowance recorded:
Total impaired with an allowance recorded		$	-		$	-		$	-			$	-		$	-
Total
Real estate:
Residential		$	180		$	180		$	-			$	449		$	15
Commercial			119			119			-				115			7
Home equity			5			5			-				6			-
Construction and land development			163			163			-				257			62
Commercial and industrial			-			-			-				70			5
Total impaired loans		$	467		$	467		$	-			$	897		$	89
There were no loans modified as a troubled debt restructure during the year ended December 31, 2013.
The following tables set forth information regarding troubled debt restructured loans that were restructured during the year ended December 31, 2012:
						Pre-Modification				Post- Modification
		Number of				Outstanding Recorded				Outstanding Recorded
		Contracts				Investment				Investment
		(Dollars In Thousands)
December 31, 2012:
Troubled Debt Restructurings:
Residential			1			$	66			$	72
			1			$	66			$	72
		Number of
		Contracts				Recorded Investment
						(Dollars In Thousands)
Troubled Debt Restructurings
That Subsequently Defaulted:
Residential			1			$	68
			1			$	68
There was one loan modified as a troubled debt restructure during 2012. Past-due principal, interest and legal fees were capitalized to the loan to bring all payments current. The loan was individually evaluated for impairment and it was determined that no related allowance allocation was necessary. The loan was reported as impaired and was on nonaccrual status as of December 31, 2012.
As of December 31, 2013 and 2012, there were no commitments to lend additional funds to borrowers whose loans were modified in troubled debt restructurings.
The balance of mortgage servicing rights included in other assets at December 31, 2013 and 2012 was $1,414,000 and $822,000, respectively. Mortgage servicing rights of $925,000 and $774,000 were capitalized in 2013 and 2012, respectively. Amortization of mortgage servicing rights was $300,000 in 2013 and $106,000 in 2012. The fair value of these rights was $1,671,000 and $1,036,000 as of December 31, 2013 and 2012, respectively.
Following is an analysis of the aggregate changes in the valuation allowance for mortgage servicing rights for the years ended December 31:
		2013			2012
		(In Thousands)
Balance, beginning of year		$	9		$	5
Additions			86			41
Reductions			(53	)		(37	)
Balance, end of year		$	42		$	9
Mortgage loans serviced for others are not included in the accompanying consolidated balance sheets. The unpaid principal balances of mortgage loans serviced for others were $147,955,000 and $88,728,000 as of December 31, 2013 and 2012, respectively.

PREMISES_AND_EQUIPMENT

PREMISES AND EQUIPMENT	12 Months Ended
	Dec. 31, 2013
PREMISES AND EQUIPMENT	'
	NOTE 5 - PREMISES AND EQUIPMENT
	The following is a summary of premises and equipment as of December 31:
		2013			2012
		(In Thousands)
	Leasehold improvements	$	1,370		$	1,290
	Furniture and equipment		2,968			2,284
			4,338			3,574
	Accumulated depreciation and amortization		(2,720	)		(2,750	)
		$	1,618		$	824

DEPOSITS

DEPOSITS	12 Months Ended
	Dec. 31, 2013
DEPOSITS	'
	NOTE 6 - DEPOSITS
	The aggregate amount of time deposit accounts in denominations of $100,000 or more as of December 31, 2013 and 2012 was $29,703,000 and $31,331,000, respectively.
	For time deposits as of December 31, 2013, the scheduled maturities for years ended December 31 are:
		(In Thousands)
	2014	$	40,005
	2015		17,095
	2016		4,117
	2017		4,856
	2018		2,916
	Total	$	68,989
	As of December 31, 2013, the Bank had one depositor with total deposits of $22,081,000 or 6.16% of the Company’s total deposits.

SECURITIES_SOLD_UNDER_AGREEMEN

SECURITIES SOLD UNDER AGREEMENTS TO REPURCHASE	12 Months Ended
	Dec. 31, 2013
SECURITIES SOLD UNDER AGREEMENTS TO REPURCHASE	'
	NOTE 7 - SECURITIES SOLD UNDER AGREEMENTS TO REPURCHASE
	Securities sold under agreements to repurchase consist of funds borrowed from customers on a short-term basis secured by portions of the Company's investment portfolio.  The securities which were sold have been accounted for not as sales but as borrowings.  The securities consisted of debt securities issued by U.S. government sponsored enterprises, corporations and agencies and states and municipalities.  The securities were held in safekeeping by the Federal Home Loan Bank and Merrill Lynch, under the control of the Company.  The purchasers have agreed to sell to the Company substantially identical securities at the maturity of the agreements.  The agreements mature generally within three months from date of issue.

FEDERAL_HOME_LOAN_BANK_ADVANCE

FEDERAL HOME LOAN BANK ADVANCES	12 Months Ended
	Dec. 31, 2013
FEDERAL HOME LOAN BANK ADVANCES	'
	NOTE 8 - FEDERAL HOME LOAN BANK ADVANCES
	Advances consist of funds borrowed from the Federal Home Loan Bank of Boston (FHLB). There were $30,000,000 in FHLB advances outstanding as of December 31, 2013.  All advances outstanding at December 31, 2013 mature in January 2014.
	Borrowings from the FHLB are secured by a blanket lien on qualified collateral, consisting primarily of loans with first mortgages secured by one to four family properties and other qualified assets.
	The Company has a line of credit with the FHLB in the amount of $1,525,000 at December 31, 2013 and 2012. At December 31, 2013 and 2012, there were no advances outstanding under this line of credit.

INCOME_TAX_EXPENSE

INCOME TAX EXPENSE	12 Months Ended
	Dec. 31, 2013
INCOME TAX EXPENSE	'
	NOTE 9 - INCOME TAX EXPENSE
	The components of income tax expense are as follows for the years ended December 31:
		2013			2012
		(In Thousands)
	Current:
	Federal	$	(72	)	$	541
	State		1			2
			(71	)		543
	Deferred:
	Federal		205			164
	State		-			-
			205			164
	Total income tax expense	$	134		$	707
	The reasons for the differences between the statutory federal income tax rate and the effective tax rates are summarized as follows for the years ended December 31:
		2013			2012
		% of			% of
		Income			Income
	Federal income tax at statutory rate		34	%		34	%
	Increase (decrease) in tax resulting from:
	Tax-exempt income		(23.2	)		(9.2	)
	Other		(0.2	)		0.9
	Effective tax rates		10.6	%		25.7	%
	The Company had gross deferred tax assets and gross deferred tax liabilities as follows as of December 31:
		2013			2012
		(In Thousands)
	Deferred tax assets:
	Allowance for loan losses	$	800		$	753
	Deferred compensation		220			181
	Impairment of operating lease		24			39
	Write-down of securities		10			4
	Restricted stock awards		16			12
	Charitable contribution carry over		93			37
	Other		80			20
	Alternative minimum tax carryforward		413			368
	Net unrealized holding loss on available-for-sale securities		853			-
	Gross deferred tax assets		2,509			1,414
	Deferred tax liabilities:
	Depreciation		(250	)		(131	)
	Deferred loan costs/fees		(413	)		(286	)
	Mortgage servicing rights		(481	)		(280	)
	Net unrealized holding gain on available-for-sale securities		-			(581	)
	Gross deferred tax liabilities		(1,144	)		(1,278	)
	Net deferred tax asset	$	1,365		$	136
	Deferred tax assets as of December 31, 2013 and 2012 have not been reduced by a valuation allowance because management believes that it is more likely than not that the full amount of deferred taxes will be realized.
	As of December 31, 2013, the Company had no operating loss carryovers for income tax purposes.
	It is the Company’s policy to provide for uncertain tax positions and the related interest and penalties based upon management’s assessment of whether a tax benefit is more likely than not to be sustained upon examination by tax authorities. As of December 31, 2013 and 2012, there were no material uncertain tax positions related to federal and state income tax matters.  The Company is currently open to audit under the statute of limitations by the Internal Revenue Service and state taxing authorities for the years ended December 31, 2010 through December 31, 2013.
	In January of 2011, the Bank formed a subsidiary Passive Investment Company (PIC).  Under State of Connecticut statutes, such a company is not subject to Connecticut corporation business taxes.  Provided that the Bank meets the mandated statutory requirements, the Company’s Connecticut corporation business taxes should be significantly reduced or eliminated.

COMMITMENTS_AND_CONTINGENT_LIA

COMMITMENTS AND CONTINGENT LIABILITIES	12 Months Ended
	Dec. 31, 2013
COMMITMENTS AND CONTINGENT LIABILITIES	'
	NOTE 10 - COMMITMENTS AND CONTINGENT LIABILITIES
	As of December 31, 2013 the Company was obligated under non-cancelable operating leases for bank premises and equipment expiring between June 2014 and September 2020.  Certain leases contain renewal options.  The cost of such renewals is not included below.  The total minimum rental due in future periods under these existing agreements is as follows as of December 31, 2013:
		(In Thousands)
	2014	$	860
	2015		767
	2016		541
	2017		497
	2018		508
	Thereafter		912
	Total	$	4,085
	Certain leases contain provisions for escalation of minimum lease payments contingent upon percentage increases in the consumer price index.  Total rental expense amounted to $708,000 and $564,000 for the years ended December 31, 2013 and 2012, respectively.
	On November 28, 2008, the Company entered into an agreement with its data processing servicer which ends in five years, and automatically continues for three years, unless terminated by either party with notice.  A second amendment to this November 2008 agreement was signed between the parties on June 27, 2013 that extends the renewal term through April 19, 2019, an extension of the first renewal term for sixty (60) months.  Under the agreement, the Company must pay a termination fee as described in the agreement if the Company terminates the agreement with notice, before the end of this extended agreement.

FAIR_VALUE_MEASUREMENTS

FAIR VALUE MEASUREMENTS	12 Months Ended
	Dec. 31, 2013
FAIR VALUE MEASUREMENTS	'
	NOTE 11 - FAIR VALUE MEASUREMENTS
	ASC 820-10, “Fair Value Measurements and Disclosures,” provides a framework for measuring fair value under generally accepted accounting principles.  This guidance also allows an entity the irrevocable option to elect fair value for the initial and subsequent measurement for certain financial assets and liabilities on a contract-by-contract basis.
	In accordance with ASC 820-10, the Company groups its financial assets and financial liabilities measured 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.
	Level 1 - Valuations for assets and liabilities traded in active exchange markets, such as the New York Stock Exchange.  Level 1 also includes U.S. Treasury, other U.S. Government and agency mortgage-backed securities that are traded by dealers or brokers in active markets.  Valuations are obtained from readily available pricing sources for market transactions involving identical assets or liabilities.
	Level 2 - Valuations for assets and liabilities traded in less active dealer or broker markets.  Valuations are obtained from third party pricing services for identical or comparable assets or liabilities.
	Level 3 - Valuations for assets and liabilities that are derived from other methodologies, including option pricing models, discounted cash flow models and similar techniques, are not based on market exchange, dealer, or broker traded transactions.  Level 3 valuations incorporate certain assumptions and projections in determining the fair value assigned to such assets and liabilities.
	A financial instrument’s level within the fair value hierarchy is based on the lowest level of input that is significant to the fair value measurement.  The Company did not have any significant transfers of assets between Level 1 and Level 2 of the fair value hierarchy during the year ended December 31, 2013.
	A description of the valuation methodologies used for instruments measured at fair value, as well as the general classification of such instruments pursuant to the valuation hierarchy, is set forth below.  These valuation methodologies were applied to all of the Company’s financial assets and financial liabilities carried at fair value for December 31, 2013 and 2012.
	The Company’s cash instruments are generally classified within Level 1 or Level 2 of the fair value hierarchy because they are valued using quoted market prices, broker or dealer quotations, or alternative pricing sources with reasonable levels of price transparency.
	The Company’s investment in obligations of states and municipalities, mortgage-backed securities and other debt securities available-for-sale are generally classified within Level 2 of the fair value hierarchy.  For these securities, we obtain fair value measurements from independent pricing services.  The fair value measurements consider observable data that may include dealer quotes, market spreads, cash flows, the U.S. treasury yield curve, trading levels, market consensus prepayment speeds, credit information, and the instrument’s terms and conditions.
	Level 3 is for positions that are not traded in active markets or are subject to transfer restrictions, valuations are adjusted to reflect illiquidity and/or non-transferability, and such adjustments are generally based on available market evidence.  In the absence of such evidence, management’s best estimate is used.  Subsequent to inception, management only changes Level 3 inputs and assumptions when corroborated by evidence such as transactions in similar instruments, completed or pending third-party transactions in the underlying investment or comparable entities, subsequent rounds of financing, recapitalization and other transactions across the capital structure, offerings in the equity or debt markets, and changes in financial ratios or cash flows.
	The Company’s impaired loans are reported at the fair value of the underlying collateral if repayment is expected solely from the collateral.  Collateral values are estimated using Level 2 inputs based upon appraisals of similar properties obtained from a third party.  For Level 3 inputs, fair values are based on management estimates.
	Other real estate owned values are estimated using Level 2 inputs based upon appraisals of similar properties obtained from a third party.  For Level 3 inputs, fair values are based on management estimates.
	The following summarizes assets measured at fair value as of December 31:
	ASSETS MEASURED AT FAIR VALUE ON A RECURRING BASIS
		Fair Value Measurements at Reporting Date Using:
						Quoted Prices in			Significant			Significant
						Active Markets for			Other Observable			Unobservable
						Identical Assets			Inputs			Inputs
			Total			Level 1			Level 2			Level 3
			(In Thousands)
	December 31, 2013:
	Debt securities issued by U.S. government
	corporations and agencies		$	18,247		$	-		$	18,247		$	-
	Obligations of states and municipalities			13,973			-			13,973			-
	Mortgage-backed securities			54,568			-			54,568			-
	SBA loan pools			661			-			661			-
	Totals		$	87,449		$	-		$	87,449		$	-
		Fair Value Measurements at Reporting Date Using:
						Quoted Prices in			Significant			Significant
						Active Markets for			Other Observable			Unobservable
						Identical Assets			Inputs			Inputs
			Total			Level 1			Level 2			Level 3
			(In Thousands)
	December 31, 2012:
	Debt securities issued by U.S. government
	corporations and agencies		$	30,835		$	-		$	30,835		$	-
	Obligations of states and municipalities			14,551			-			14,551			-
	Corporate debt securities			2,053			-			2,053			-
	Mortgage-backed securities			43,257			-			43,257			-
	SBA loan pools			1,124			-			1,124			-
	Totals		$	91,820		$	-		$	91,820		$	-
	Under certain circumstances we make adjustments to fair value for our assets and liabilities although they are not measured at fair value on an ongoing basis.  The following table presents the assets carried on the consolidated balance sheet by caption and by level in the fair value hierarchy, at December 31, 2012, for which a nonrecurring change in fair value has been recorded:
	ASSETS MEASURED AT FAIR VALUE ON A NONRECURRING BASIS
		Fair Value Measurements at Reporting Date Using:
						Quoted Prices in			Significant			Significant
						Active Markets for			Other Observable			Unobservable
						Identical Assets			Inputs			Inputs
			Total			Level 1			Level 2			Level 3
			(In Thousands)
	December 31, 2012:
	Other real estate owned		$	213		$	-		$	-		$	213
	Totals		$	213		$	-		$	-		$	213
	The estimated fair values of the Company’s financial instruments, all of which are held or issued for purposes other than trading, are as follows as of December 31:
		31-Dec-13
		Carrying			Fair Value
		Amount			Level 1			Level 2			Level 3			Total
		(In Thousands)
	Financial assets:
	Cash and cash equivalents	$	38,590		$	38,590		$	-		$	-		$	38,590
	Available-for-sale securities		87,449			-			87,449			-			87,449
	Federal Home Loan Bank stock		2,196			2,196			-			-			2,196
	Loans held-for-sale		2,861						-			2,909			2,909
Loans, net		276,875			-			-			277,539			277,539
Accrued interest receivable		1,074			1,074			-			-			1,074
Financial liabilities:
Deposits		358,504			-			358,961			-			358,961
Securities sold under agreements to repurchase		4,390			-			4,390			-			4,390
Federal Home Loan Bank advances		30,000			-			30,000			-			30,000
	31-Dec-12
	Carrying			Fair Value
	Amount			Level 1			Level 2			Level 3			Total
	(In Thousands)
Financial assets:
Cash and cash equivalents	$	34,100		$	34,100		$	-		$	-		$	34,100
Interest-bearing time deposits with other banks		3,789			-			3,892			-			3,892
Available-for-sale securities		91,820			-			91,820			-			91,820
Federal Home Loan Bank stock		589			589			-			-			589
Loans, net		223,290			-			-			239,465			239,465
Accrued interest receivable		1,019			1,019			-			-			1,019
Financial liabilities:
Deposits		340,409			-			340,857			-			340,857
Securities sold under agreements to repurchase		3,569			-			3,569			-			3,569
The carrying amounts of financial instruments shown in the above table are included in the consolidated balance sheets under the indicated captions.  Accounting policies related to financial instruments are described in Note 2.

FINANCIAL_INSTRUMENTS

FINANCIAL INSTRUMENTS	12 Months Ended
	Dec. 31, 2013
FINANCIAL INSTRUMENTS	'
	NOTE 12 - FINANCIAL INSTRUMENTS
	The Company is party to financial instruments with off-balance sheet risk in the normal course of business to meet the financing needs of its customers.  These financial instruments include commitments to originate loans, unadvanced funds on loans and standby letters of credit.  The instruments involve, to varying degrees, elements of credit risk in excess of the amount recognized in the balance sheets.  The contract amounts of those instruments reflect the extent of involvement the Company has in particular classes of financial instruments.
	The Company's exposure to credit loss in the event of nonperformance by the other party to the financial instrument for loan commitments is represented by the contractual amounts of those instruments.  The Company uses the same credit policies in making commitments and conditional obligations as it does for on-balance sheet instruments.
	Commitments to originate loans are agreements to lend to a customer provided there is no violation of any condition established in the contract.  Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee.  Since many of the commitments are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements.  The Company evaluates each customer's creditworthiness on a case-by-case basis.  The amount of collateral obtained, if deemed necessary by the Company upon extension of credit, is based on management's credit evaluation of the borrower.  Collateral held varies, but may include secured interests in mortgages, accounts receivable, inventory, property, plant and equipment and income-producing properties.
	Standby letters of credit are conditional commitments issued by the Company to guarantee the performance by a customer to a third party.  The credit risk involved in issuing letters of credit is essentially the same as that involved in extending loan facilities to customers.  As of December 31, 2013 and 2012, the maximum potential amount of the Company’s obligation was $857,000 and $175,000, respectively for financial and standby letters of credit.  The Company’s outstanding letters of credit generally have a term of less than one year.  If a letter of credit is drawn upon, the Company may seek recourse through the customer’s underlying line of credit.  If the customer’s line of credit is also in default, the Company may take possession of the collateral, if any, securing the line of credit.
	Notional amounts of financial instrument liabilities with off-balance-sheet credit risk are as follows as of December 31:
		2013		2012
		(In Thousands)
	Commitments to originate loans	$	10,488	$	13,459
	Standby letters of credit		857		175
	Unadvanced portions of loans:
	Construction loans		5,456		1,778
	Commercial lines of credit		14,265		11,383
	Consumer		677		689
	Home equity lines of credit		40,075		32,550
		$	71,818	$	60,034
	There is no material difference between the notional amounts and the estimated fair values of the above off-balance sheet liabilities.

RELATED_PARTY_TRANSACTIONS

RELATED PARTY TRANSACTIONS	12 Months Ended
	Dec. 31, 2013
RELATED PARTY TRANSACTIONS	'
	NOTE 13 - RELATED PARTY TRANSACTIONS
	Certain directors and executive officers of the Company and companies in which they have significant ownership interest were customers of the Bank during 2013.  Total loans to such persons and their companies amounted to $3,889,000 as of December 31, 2013.  During the year ended December 31, 2013 principal payments totaled $2,227,000 and advances amounted to $2,172,000.
	Deposits from related parties held by the Company as of December 31, 2013 and 2012 amounted to $6,076,000 and $4,669,000, respectively.
	During 2013 and 2012, the Company paid $63,000 and $64,000, respectively, for rent and related expenses of the Company’s Granby branch office to a company of which a bank director is a principal.  The rent expense for the Granby branch included in Note 10 amounted to $43,000 in 2013 and $43,000 in 2012.

SIGNIFICANT_GROUP_CONCENTRATIO

SIGNIFICANT GROUP CONCENTRATIONS OF CREDIT RISK	12 Months Ended
	Dec. 31, 2013
SIGNIFICANT GROUP CONCENTRATIONS OF CREDIT RISK	'
	NOTE 14 - SIGNIFICANT GROUP CONCENTRATIONS OF CREDIT RISK
	Most of the Company's business activity is with customers located within the state.  There are no concentrations of credit to borrowers that have similar economic characteristics.  The majority of the Company's loan portfolio is comprised of loans collateralized by real estate located in the state of Connecticut.

OTHER_COMPREHENSIVE_INCOME

OTHER COMPREHENSIVE INCOME	12 Months Ended
	Dec. 31, 2013
OTHER COMPREHENSIVE INCOME	'
	NOTE 15 - OTHER COMPREHENSIVE INCOME
	Accounting principles generally require that recognized revenue, expenses, gains and losses be included in net income.  Although certain changes in assets and liabilities are reported as a separate component of the equity section of the consolidated balance sheets, such items, along with net income, are components of comprehensive income.
	The components of other comprehensive (loss) income, included in stockholders’ equity are as follows during the years ended December 31:
		2013			2012
		(In Thousands)
	Net unrealized holding (loss) gain on available-for-sale securities	$	(4,108	)	$	736
	Reclassification adjustment for realized gains in net income		(109	)		(113	)
	Other comprehensive (loss) income before income tax effect		(4,217	)		623
	Income tax expense (expense)		1,434			(212	)
	Other comprehensive (loss) income, net of tax	$	(2,783	)	$	411
	At December 31, 2013 and 2012, the components of accumulated other comprehensive income, included in stockholders’ equity, are as follows:
		2013			2012
		(In Thousands)
	Net unrealized (loss) gain on securities available-for-sale, net of tax	$	(1,655	)	$	1,128
	Total accumulated other comprehensive (loss) income	$	(1,655	)	$	1,128

REGULATORY_MATTERS

REGULATORY MATTERS	12 Months Ended
	Dec. 31, 2013
REGULATORY MATTERS	'
	NOTE 16 - REGULATORY MATTERS
	The Bank is subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Bank’s financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Bank must meet specific capital guidelines that involve quantitative measures of its assets, liabilities, and certain off-balance-sheet items as calculated under regulatory accounting practices. The Bank’s capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings and other factors.
	Quantitative measures established by regulation to ensure capital adequacy require the Bank to maintain minimum amounts and ratios (set forth in the table below) of total and Tier 1 capital (as defined in the regulations) to risk-weighted assets (as defined), and of Tier 1 capital (as defined) to average assets (as defined). Management believes, as of December 31, 2013 and 2012, that the Bank meets all capital adequacy requirements to which it is subject.
	As of December 31, 2013, the most recent notification from the Federal Deposit Insurance Corporation categorized the Bank as well capitalized under the regulatory framework for prompt corrective action. To be categorized as well capitalized the Bank must maintain minimum total risk-based, Tier 1 risk-based and Tier 1 leverage ratios as set forth in the table. There are no conditions or events since that notification that management believes have changed the institution's category.
	The Bank’s actual capital amounts and ratios are also presented in the table.
												To Be Well
												Capitalized Under
							For Capital					Prompt Corrective
		Actual					Adequacy Purposes					Action Provisions
		Amount		Ratio			Amount		Ratio			Amount		Ratio
		(Dollars In Thousands)
	As of December 31, 2013:
	Total Capital (to Risk Weighted Assets)	$	31,433		13.08	%	$	19,227	≥	8	%	$	24,033	≥	10	%
	Tier 1 Capital (to Risk Weighted Assets)		28,641		11.92			9,613	≥	4			14,420	≥	6
	Tier 1 Capital (to Average Assets)		28,641		7.09			16,150	≥	4			20,188	≥	5
	As of December 31, 2012:
	Total Capital (to Risk Weighted Assets)	$	30,637		14.68	%	$	16,694	≥	8	%	$	20,868	≥	10	%
	Tier 1 Capital (to Risk Weighted Assets)		28,043		13.44			8,347	≥	4			12,521	≥	6
	Tier 1 Capital (to Average Assets)		28,043		7.73			14,520	≥	4			18,150	≥	5
	The declaration of cash dividends is dependent on a number of factors, including regulatory limitations, and the Company's operating results and financial condition. The stockholders of the Company will be entitled to dividends only when, and if, declared by the Company's Board of Directors out of funds legally available therefore. The declaration of future dividends will be subject to favorable operating results, financial conditions, tax considerations, and other factors.
	Under Connecticut law, the Bank may pay dividends only out of net profits. The Connecticut Banking Commissioner’s approval is required for dividend payments which exceed the current year’s net profits and retained net profits from the preceding two years. As of December 31, 2013, the Bank is restricted from declaring dividends to the Company in an amount greater than $3,063,000.

EMPLOYEE_BENEFITS

EMPLOYEE BENEFITS	12 Months Ended
	Dec. 31, 2013
EMPLOYEE BENEFITS	'
	NOTE 17 - EMPLOYEE BENEFITS
	The Company sponsors a 401(k) savings and retirement plan.  Employees who are 21 years of age and employed on the plan's effective date are immediately eligible to participate in the plan.  Other employees who have attained age 21 are eligible for membership on the first day of the month following completion of 90 days of service.
	The provisions of the 401(k) plan allow eligible employees to contribute subject to IRS limitations.  The Company's matching contribution will be determined at the beginning of the plan year.  The Company's expense under this plan was $125,000 in 2013 and $105,000 in 2012.
	The Company entered into Supplemental Executive Retirement Agreements with current and former executive officers.  The agreements require the payment of specified benefits upon retirement over specified periods as described in each agreement.  The total liability for the agreements included in other liabilities was $648,000 at December 31, 2013 and $533,000 at December 31, 2012.  Expenses under these agreements amounted to $142,000 and $170,000, respectively, for the years ended December 31, 2013 and 2012.  Payments made under the agreements were $27,000 and $5,000, respectively for each of the years ended December 31, 2013 and 2012.
	The Company entered into employment agreements (the “Agreements”) with the Executive Officers of the Company.  The Agreements provide for severance benefits upon termination following a change in control as defined in the agreements in amounts equal to cash compensation as defined in the agreements, and fringe benefits that the Executive(s) would have received if the Executive(s) would have continued working for an additional two years.  The agreements also include provisions to accelerate vesting for stock option plans; or for additional credit for years of service under benefit plans.

STOCK_BASED_COMPENSATION_PLANS

STOCK BASED COMPENSATION PLANS	12 Months Ended
	Dec. 31, 2013
STOCK BASED COMPENSATION PLANS	'
	NOTE 18 - STOCK BASED COMPENSATION PLANS
	The SBT Bancorp, Inc. 1998 Stock Plan (“1998 Plan”) provided for the granting of options to purchase shares of common stock or the granting of shares of restricted stock up to an aggregate amount of 142,000 shares of common stock of the Company.  Options granted under the 1998 Plan may have been either Incentive Stock Options (“ISOs”) within the meaning of Section 422 of the Internal Revenue Code or non-qualified options (“NQOs”) which do not qualify as ISOs.  Effective March 17, 2009, no additional restricted stock awards or stock options may be granted under the 1998 Plan.
	On May 10, 2011, the stockholders of SBT Bancorp, Inc. approved the SBT Bancorp, Inc. 2011 Stock Award and Option Plan (“2011 Plan”).  The 2011 Plan provides for the granting of options to purchase shares of common stock or the granting of shares of restricted stock up to an aggregate amount of 100,000 shares of common stock of the Company.  Options granted under the 2011 Plan may be either Incentive Stock Options (“ISOs”) within the meaning of Section 422 of the Internal Revenue Code or non-qualified options (“NQOs”) which do not qualify as ISOs.
	The exercise price for shares covered by an ISO may not be less than 100% of the fair market value of common stock on the date of grant.  All options must expire no later than ten years from the date of grant.
	During 2013 and 2012, the Company granted 10,000 shares and 10,570 shares, respectively, of restricted stock with an award value of $234,000 and $251,000, respectively, or $23.40 and $23.75 per share, respectively.  The restricted shares vest over a three year period.  During 2013 and 2012, the Company recognized compensation expense related to the restricted shares awarded in the amounts of $156,000 and $82,000, respectively.  The recognized tax benefit related to this expense was $53,000 in 2013 and $28,000 in 2012.
	A summary of the status of the restricted stock awards as of December 31 and changes during the years ending on that date is presented below:
			2013							2012
							Weighted-Average						Weighted-Average
			Number of				Grant			Number of			Grant
	Fixed Options		Shares				Price			Shares			Price
	Non-vested restricted stock awards
	at beginning of year			18,042			$	22.29			11,206		$	20.21
	Restricted shares granted			10,000				23.39			10,570			23.75
	Shares vested			(6,536	)			21.88			(3,734	)		20.21
	Shares forfeited			(1,982	)			22.62			-			-
	Non-vested restricted stock awards
	at end of year			19,524			$	22.95			18,042		$	22.29
	As of December 31, 2013, the unrecognized share-based compensation expense related to the non-vested restricted stock awards was $401,000.  This amount is expected to be recognized over a weighted average period of 1.7 years.
	The Company did not grant any stock options in 2013 and 2012.
	A summary of the status of the Company’s stock option plan as of December 31 and changes during the years ending on that date is presented below:
			2013							2012
							Weighted-Average						Weighted-Average
	Fixed Options		Shares				Exercise Price			Shares			Exercise Price
	Outstanding at beginning of year			31,500			$	30.67			32,811		$	30.07
	Forfeited			-				-			(1,311	)		15.65
	Outstanding at end of year			31,500				30.67			31,500			30.67
	Options exercisable at year-end			31,500			$	30.67			31,500		$	30.67
	Weighted-average fair value of
	options granted during the year			N/A							N/A
	The following table summarizes information about fixed stock options outstanding as of December 31, 2013:
	Options Outstanding and Exercisable
									Weighted-Average
					Number				Remaining	Number
	Exercise Price				Outstanding				Contractual Life	Exercisable			Exercise Price
	$	31.5				21,000			1.97 years		21,000		$	31.5
		29				10,500			2.48 years		10,500			29
	$	30.67				31,500			2.14 years		31,500		$	30.67
	As of December 31, 2013, compensation costs related to stock options granted under the Plans have been fully recognized.  There were no shares that vested during the years ended December 31, 2013 and 2012.

EARNINGS_PER_SHARE

EARNINGS PER SHARE	12 Months Ended
	Dec. 31, 2013
EARNINGS PER SHARE	'
	NOTE 19 - EARNINGS PER SHARE
	Reconciliation of the numerators and the denominators of the basic and diluted per share computations for net income available to common stockholders are as follows:
		2013			2012
		(In Thousands, Except Share Data)
	Basic earnings per share computation:
	Net income	$	1,135		$	2,044
	Preferred stock net accretion		(12	)		(12	)
	Cumulative preferred stock dividends		(94	)		(134	)
	Net income available to common shareholders	$	1,029		$	1,898
	Weighted average shares outstanding, basic		872,411			867,087
	Basic earnings per share	$	1.18		$	2.19
	Diluted earnings per share computation:
	Net income	$	1,135		$	2,044
	Preferred stock net accretion		(12	)		(12	)
	Cumulative preferred stock dividends		(94	)		(134	)
	Net income available to common shareholders	$	1,029		$	1,898
	Weighted average shares outstanding, before dilution		872,411			867,087
	Dilutive potential shares		4,576			5,119
	Weighted average shares outstanding, assuming dilution		876,987			872,206
	Diluted earnings per share	$	1.17		$	2.18

PREFERRED_STOCK

PREFERRED STOCK	12 Months Ended
	Dec. 31, 2013
PREFERRED STOCK	'
	NOTE 20 - PREFERRED STOCK
	On August 11, 2011, as part of the United States Department of the Treasury (the “Treasury”) Small Business Lending Fund program (the “SBLF”), the Company entered into a Small Business Lending Fund – Securities Purchase Agreement (the “Purchase Agreement”) with the Secretary of the Treasury (the “Secretary”), pursuant to which the Company agreed to issue and sell, and the Secretary agreed to purchase, 9,000 shares of the Company’s Senior Non-cumulative Perpetual Preferred Stock, Series C, having a liquidation preference of $1,000 per share (the “SBLF Preferred Stock”), for a purchase price of $9,000,000.  The SBLF Preferred Stock was issued pursuant to the SBLF program, a $30 billion fund established under the Small Business Jobs Act of 2010 that was created to encourage lending to small business by providing capital to qualified community banks with assets of less than $10 billion.
	The transaction described above closed on August 11, 2011.  The SBLF Preferred Stock has no maturity date and ranks senior to the Company’s common stock with respect to the payment of dividends and distributions and amounts payable upon liquidation, dissolution and winding up of the Company.
	The SBLF Preferred Stock qualifies as Tier 1 capital and will pay non-cumulative dividends quarterly on each January 1, April 1, July 1 and October 1, beginning October 1, 2011.  The dividend rate can fluctuate on a quarterly basis during the first 10 quarters during which the SBLF Preferred Stock is outstanding, based upon changes in the level of “Qualified Small Business Lending” or “QSBL” (as defined in the Purchase Agreement).  Based upon the increase in the Bank’s level of QSBL over the baseline level calculated under the terms of the Purchase Agreement, at December 31, 2013, the dividend rate payable by the Company on the Series C Preferred Stock is 1.00%.  For the second through ninth calendar quarters, the dividend rate may be adjusted between one percent (1%) and five percent (5%) per annum to reflect the amount of change in the Bank’s level of QSBL.  If the level of the Bank’s qualified small business loans declines so that the percentage increase in QSBL as compared to the baseline level is less than 10% then the dividend rate payable on the SBLF Preferred Stock would increase.  For the tenth calendar quarter through four and one half years after issuance, the dividend rate will be fixed at between one percent (1%) and seven percent (7%) based upon the increase in QSBL as compared to the baseline.  After four and one half years from issuance, the dividend rate will increase to 9% (including a quarterly lending incentive fee of 0.5%).
	The SBLF Preferred Stock is non-voting, except in limited circumstances.  In the event that the Company misses five dividend payments, whether or not consecutive, the holder of the SBLF Preferred Stock will have the right, but not the obligation, to appoint a representative as an observer on the Company’s Board of Directors.
	The SBLF Preferred Stock may be redeemed at any time at the Company’s option, at a redemption price of 100% of the liquidation amount plus accrued but unpaid dividends to the date of redemption for the current period, subject to the approval of the Federal Deposit Insurance Corporation.
	Under the terms of the SBLF Preferred Stock, the Company may only declare and pay a dividend on the common stock or other stock junior to the SBLF Preferred Stock, or repurchase shares of any such class or series of stock, if, after payment of such dividend, the dollar amount of the Company’s Tier 1 Capital would be at least 90% of the Signing Date Tier 1 Capital, as set forth in the Certificate of Amendment to the Certificate of Incorporation of the Company fixing the designations, preferences, limitations and relative rights of the SBLF Preferred Stock, excluding any subsequent net charge-offs and any redemption of the SBLF Preferred Stock (the “Tier 1 Dividend Threshold”). The Tier 1 Dividend Threshold is subject to reduction, beginning on the second anniversary of issuance and ending on the tenth anniversary, by 10% for each one percent increase in QSBL over the baseline level.

LEGAL_CONTINGENCIES

LEGAL CONTINGENCIES	12 Months Ended
	Dec. 31, 2013
LEGAL CONTINGENCIES	'
	NOTE 21 - LEGAL CONTINGENCIES
	Various legal claims arise from time to time in the normal course of business which, in the opinion of management, will have no material effect on the Company’s consolidated financial statements.

RECLASSIFICATION

RECLASSIFICATION	12 Months Ended
	Dec. 31, 2013
RECLASSIFICATION	'
	NOTE 22 - RECLASSIFICATION
	Certain amounts in the prior year have been reclassified to be consistent with the current year's statement presentation.

ACCOUNTING_POLICIES_Policies

ACCOUNTING POLICIES (Policies)	12 Months Ended
	Dec. 31, 2013
USE OF ESTIMATES	'
	USE OF ESTIMATES:
	The preparation of consolidated financial statements in conformity with accounting principles generally accepted in the United States of America requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the consolidated financial statements and the reported amounts of revenues and expenses during the reporting period.  Actual results could differ from those estimates.
BASIS OF PRESENTATION	'
	BASIS OF PRESENTATION:
	The consolidated financial statements include the accounts of the Company and its wholly-owned subsidiary the Bank and the Bank’s wholly-owned subsidiaries, SBT Investment Services, Inc. and NERE Holdings, Inc.  SBT Investment Services, Inc. was established solely for the purpose of providing investment products, financial advice and services to its clients and the community.  NERE Holdings, Inc. was established to hold real estate. All significant intercompany accounts and transactions have been eliminated in the consolidation.
CASH AND CASH EQUIVALENTS	'
	CASH AND CASH EQUIVALENTS:
	For purposes of reporting cash flows, cash and cash equivalents include cash on hand, cash items, due from banks, Federal Home Loan Bank interest-bearing demand and overnight deposits, Federal Reserve Bank interest-bearing demand deposits, money market mutual funds and federal funds sold.
	Cash and due from banks as of December 31, 2013 and 2012 includes $7,453,000 and $4,842,000, respectively, which is subject to withdrawals and usage restrictions to satisfy the reserve requirements of the Federal Reserve Bank of Boston and Bankers’ Bank Northeast.
SECURITIES	'
	SECURITIES:
	Investments in debt securities are adjusted for amortization of premiums and accretion of discounts computed so as to approximate the interest method.  Gains or losses on sales of investment securities are computed on a specific identification basis.
	The Company classifies debt and equity securities into one of three categories:  held-to-maturity, available-for-sale, or trading.  These security classifications may be modified after acquisition only under certain specified conditions.  In general, securities may be classified as held-to-maturity only if the Company has the positive intent and ability to hold them to maturity.  Trading securities are defined as those bought and held principally for the purpose of selling them in the near term.  All other securities must be classified as available-for-sale.
		--	Held-to-maturity securities are measured at amortized cost in the consolidated balance sheets.  Unrealized holding gains and losses are not included in earnings, or in a separate component of capital.  They are merely disclosed in the notes to the consolidated financial statements.
		--	Available-for-sale securities are carried at fair value on the consolidated balance sheets.  Unrealized holding gains and losses are not included in earnings but are reported as a net amount (less expected tax) in a separate component of capital until realized.
		--	Trading securities are carried at fair value on the consolidated balance sheets.  Unrealized holding gains and losses for trading securities are included in earnings.
	For any debt security with a fair value less than its amortized cost basis, the Company will determine whether it has the intent to sell the debt security or whether it is more likely than not it will be required to sell the debt security before the recovery of its amortized cost basis.  If either condition is met, the Company will recognize a full impairment charge to earnings.  For all other debt securities that are considered other-than-temporarily impaired and do not meet either condition, the credit loss portion of impairment will be recognized in earnings as realized losses.  The other-than-temporary impairment related to all other factors will be recorded in other comprehensive income.
	Declines in marketable equity securities below their cost that are deemed other than temporary are reflected in earnings as realized losses.
	As a member of the Federal Home Loan Bank of Boston (FHLB), the Company is required to invest in $100 par value stock of the FHLB.  The FHLB capital structure mandates that members must own stock as determined by their Total Stock Investment Requirement which is the sum of a member’s Membership Stock Investment Requirement and Activity-Based Stock Investment Requirement.  The Membership Stock Investment Requirement is calculated as 0.35% of a member’s Stock Investment Base, subject to a minimum investment of $10,000 and a maximum investment of $25,000,000.  The Stock Investment Base is an amount calculated based on certain assets held by a member that are reflected on call reports submitted to applicable regulatory authorities.  The Activity-Based Stock Investment Requirement is calculated as 3.0% for overnight advances, 4.0% for FHLB advances with original terms to maturity of two days to three months and 4.5% for other advances plus a percentage of advance commitments, 0.5% of standby letters of credit issued by the FHLB and 4.5% of the value of intermediated derivative contracts.  Management evaluates the Company’s investment in FHLB stock for other-than-temporary impairment at least on a quarterly basis and more frequently when economic or market conditions warrant such evaluation.  Based on its most recent analysis of the FHLB as of December 31, 2013, management deems its investment in FHLB stock to be not other-than-temporarily impaired.
LOANS HELD-FOR-SALE	'
	LOANS HELD-FOR-SALE:
	Loans held-for-sale in the secondary market are carried at the lower of cost or estimated fair value in the aggregate.  Net unrealized losses are provided for in a valuation allowance by charges to operations.
	Interest income on mortgages held-for-sale is accrued currently and classified as interest on loans.
LOANS	'
	LOANS:
	Loans receivable that management has the intent and ability to hold until maturity or payoff, are reported at their outstanding principal balances adjusted for amounts due to borrowers on unadvanced loans, any charge-offs, the allowance for loan losses and any deferred fees or costs on originated loans, or unamortized premiums or discounts on purchased loans.
	Interest on loans is recognized on a simple interest basis.
	Loan origination and commitment fees and certain direct origination costs are deferred, and the net amount amortized as an adjustment of the related loan's yield.  The Company is amortizing these amounts over the contractual life of the related loans.
	Residential real estate loans are generally placed on nonaccrual when reaching 90 days past due or in process of foreclosure.  All closed-end consumer loans 90 days or more past due and any equity line in the process of foreclosure are placed on nonaccrual status.  Secured consumer loans are written down to realizable value and unsecured consumer loans are charged-off upon reaching 120 or 180 days past due depending on the type of loan.  Commercial real estate loans and commercial business loans and leases which are 90 days or more past due are generally placed on nonaccrual status, unless secured by sufficient cash or other assets immediately convertible to cash.  When a loan has been placed on nonaccrual status, previously accrued and uncollected interest is reversed against interest on loans.  A loan can be returned to accrual status when collectability of principal is reasonably assured and the loan has performed for a period of time, generally six months.
	Cash receipts of interest income on impaired loans are credited to principal to the extent necessary to eliminate doubt as to the collectability of the net carrying amount of the loan.  Some or all of the cash receipts of interest income on impaired loans is recognized as interest income if the remaining net carrying amount of the loan is deemed to be fully collectible.  When recognition of interest income on an impaired loan on a cash basis is appropriate, the amount of income that is recognized is limited to that which would have been accrued on the net carrying amount of the loan at the contractual interest rate.  Any cash interest payments received in excess of the limit and not applied to reduce the net carrying amount of the loan are recorded as recoveries of charge-offs until the charge-offs are fully recovered.
	The Company has certain lending policies and procedures in place that are designed to maximize loan income with an acceptable level of risk.  Management reviews and approves these policies and procedures on an annual basis.  A reporting system is in place which provides management with frequent reports related to loan quality, loan production, loan delinquencies and non-performing or potential problem loans.
	Commercial and industrial loans are underwritten after evaluating historical and projected profitability and cash flow to determine the borrower’s ability to repay their obligation as agreed.  Underwriting standards are designed to promote relationship banking rather than transactional banking.  Commercial and industrial loans are made primarily based on the identified cash flow of the borrower and secondarily on the underlying collateral supporting the loan facility.  The cash flow of the borrower may not be as expected and the collateral supporting the loan may fluctuate in value.  Most commercial and industrial loans are secured by the assets being financed or other business assets such as accounts receivable and inventory and may incorporate a personal guarantee. Some loans may be made on an unsecured basis.  In the case of loans secured by accounts receivable, the availability of funds for the repayment of these loans may be substantially dependent upon the ability of the borrower to collect amounts due from its customers.
	Commercial real estate loans are subject to the underwriting standards and processes similar to commercial and industrial loans, in addition to those underwriting standards for real estate loans.  These loans are viewed primarily as cash flow dependent and secondarily as loans secured by real estate.  Commercial real estate lending typically involves higher principal balances and longer repayment periods.  Repayment of these loans is generally dependent upon the successful operation of the property securing the loan or the principal business conducted on the property securing the loan.  Commercial real estate loans may be adversely affected by conditions in the real estate markets or the economy in general.  The properties securing the Company’s commercial real estate portfolio are diverse in terms of type and geographic location.  This diversification reduces the exposure to adverse economic conditions that affect any single market or industry.  Management monitors and evaluates commercial real estate loans based on collateral, geography and risk-rating criteria.  The Company also utilizes third-party experts to provide environmental and market valuations, in addition to economic conditions and trends within a specific industry.  The Company also tracks the level of owner occupied commercial real estate loans within its commercial real estate portfolio.  At December 31, 2013, approximately 82% of the outstanding principal balance of the Company’s commercial real estate loans were secured by owner-occupied properties.
	With respect to land developers and builders that are secured by non-owner-occupied properties that the Company may originate from time to time, the Company generally requires that the borrower have a proven record of success.  Construction loans are underwritten based upon a financial analysis of the developers and property owners and construction cost estimates, in addition to independent appraisal valuations.  These loans will rely on the value associated with the project upon completion.  These cost and valuation estimates may be inaccurate.  Construction loans generally involve the disbursement of substantial funds over a short period of time with repayment substantially dependent upon the success of the completed project.  Sources of repayment of these loans would be permanent financing upon completion or sales of developed property.  These loans are closely monitored by onsite inspections and are considered to be of a higher risk than other real estate loans due to their ultimate repayment being sensitive to general economic conditions, availability of long-term financing, interest rate sensitivity, and governmental regulation of real property.
	The Company originates consumer loans utilizing a computer-based credit-scoring analysis to supplement the underwriting process.  To monitor and manage consumer loan risk, policies and procedures are developed and modified, as needed, jointly by staff and management.  This continual review, coupled with the high volume of borrowers of smaller dollar loans, minimizes risk.  Additionally, trend and outlook reports are reviewed by management on a regular basis.  Underwriting standards for home equity loans are heavily influenced by regulatory requirements, which include but are not limited to a maximum loan-to-value of 75%, collection remedies, the number of such loans that a borrower can have at one time, and documentation requirements.
	The Company engages an independent loan review firm that reviews and validates the credit risk program on a periodic basis.  Results of these reviews are presented to management and the Board of Directors.  The loan review process complements and reinforces the risk identification process and assessment decisions made by the relationship managers and credit officer, as well as the Company’s policies and procedures.
ALLOWANCE FOR LOAN LOSSES	'
	ALLOWANCE FOR LOAN LOSSES:
	The allowance for loan losses is established as losses are estimated to have occurred through a provision for loan losses charged to earnings.  Loan losses are charged against the allowance when management believes the uncollectability of a loan balance is confirmed.  Subsequent recoveries, if any, are credited to the allowance.
	The allowance for loan losses is evaluated on a regular basis by management and is based upon management’s periodic review of the collectability of the loans in light of historical experience, the nature and volume of the loan portfolio, adverse situations that may affect the borrower’s ability to repay, estimated value of any underlying collateral and prevailing economic conditions.  This evaluation is inherently subjective as it requires estimates that are susceptible to significant revision as more information becomes available.
	General Component:
	The general component of the allowance for loan losses is based on historical loss experience adjusted for qualitative factors stratified by the following loan segments:  residential real estate, commercial real estate, construction, commercial and consumer.  Management uses a rolling average of historical losses based on a time frame appropriate to capture relevant loss data for each loan segment.  This historical loss factor is adjusted for the following qualitative factors:  levels/trends in delinquencies; trends in volume and terms of loans; effects of changes in risk selection and underwriting standards and other changes in lending policies, procedures and practices; experience/ability/depth of lending management and staff; and national and local economic trends and conditions.  There were no changes in the Company’s policies or methodology pertaining to the general component of the allowance for loan losses during 2013.
	The qualitative factors are determined based on the various risk characteristics of each loan segment.  Risk characteristics relevant to each portfolio segment are as follows:
	Residential real estate:  The Company generally does not originate loans with a loan-to-value ratio greater than 80 percent without obtaining private mortgage insurance for any amounts over 80% and does not grant subprime loans.  All loans in this segment are collateralized by owner-occupied residential real estate and repayment is dependent on the credit quality of the individual borrower.  The overall health of the economy, including unemployment rates and housing prices, will have an effect on the credit quality in this segment.
	Commercial real estate:  Loans in this segment are primarily income-producing properties throughout the Farmington Valley in Connecticut.  The underlying cash flows generated by the properties are adversely impacted by a downturn in the economy as evidenced by increased vacancy rates, which in turn will have an effect on the credit quality in this segment.  Management periodically obtains rent rolls annually and continually monitors the cash flows of these loans.
	Construction loans:  Loans in this segment primarily include speculative real estate development loans for which payment is derived from sale of the property.  Credit risk is affected by cost overruns, time to sell at an adequate price, and market conditions.
	Commercial loans:  Loans in this segment are made to businesses and are generally secured by assets of the business.  Repayment is expected from the cash flows of the business.  A weakened economy, and resultant decreased consumer spending, will have an effect on the credit quality in this segment.
	Consumer loans:  Loans in this segment are generally unsecured and repayment is dependent on the credit quality of the individual borrower.
	Allocated Component:
	The allocated component relates to loans that are classified as impaired.  Impairment is measured on a loan-by-loan basis for commercial, commercial real estate and construction loans by either the present value of expected future cash flows discounted at the loan’s effective interest rate or the fair value of the collateral if the loan is collateral dependent.  An allowance is established when the discounted cash flows (or collateral value) of the impaired loan is lower than the carrying value of that loan.  Large groups of smaller balance homogeneous loans are collectively evaluated for impairment.  Accordingly, the Company does not separately identify individual consumer and residential real estate loans for impairment disclosures, unless such loans are subject to a troubled debt restructuring agreement.
	A loan is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement.  Factors considered by management in determining impairment include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due.  Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired.  Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record, and the amount of the shortfall in relation to the principal and interest owed.
	The Company periodically may agree to modify the contractual terms of loans.  When a loan is modified and a concession is made to a borrower experiencing financial difficulty, the modification is considered a troubled debt restructuring ("TDR").  All TDRs are initially classified as impaired.
	UNALLOCATED COMPONENT:
	An unallocated component is maintained to cover uncertainties that could affect management’s estimate of probable losses.  The unallocated component of the allowance reflects the margin of imprecision inherent in the underlying assumptions used in the methodologies for estimating allocated and general reserves in the portfolio.
PREMISES AND EQUIPMENT	'
	PREMISES AND EQUIPMENT:
	Premises and equipment are stated at cost, less accumulated depreciation and amortization.  Cost and related allowances for depreciation and amortization of premises and equipment retired or otherwise disposed of are removed from the respective accounts with any gain or loss included in income or expense.  Depreciation and amortization are calculated principally on the straight-line method over the estimated useful lives of the assets.  Estimated lives are 3 to 20 years for furniture and equipment.  Leasehold improvements are amortized over the lesser of the life of the lease or the estimated life of the improvements.
OTHER REAL ESTATE OWNED AND IN-SUBSTANCE FORECLOSURES	'
	OTHER REAL ESTATE OWNED AND IN-SUBSTANCE FORECLOSURES:
	Other real estate owned includes properties acquired through foreclosures and properties classified as in-substance foreclosures in accordance with ASC 310-40, “Receivables – Troubled Debt Restructuring by Creditors.”  These properties are carried at the lower of cost or estimated fair value less estimated costs to sell.  Any writedown from cost to estimated fair value required at the time of foreclosure or classification as in-substance foreclosure is charged to the allowance for loan losses.  Expenses incurred in connection with maintaining these assets, subsequent writedowns, and gains or losses recognized upon sale are included in other expense.
	In accordance with ASC 310-10-35, “Receivables – Overall – Subsequent Measurements,” the Company classifies loans as in-substance repossessed or foreclosed if the Company receives physical possession of the debtor’s assets regardless of whether formal foreclosure proceedings take place.
FAIR VALUES OF FINANCIAL INSTRUMENTS	'
	FAIR VALUES OF FINANCIAL INSTRUMENTS:
	ASC 825,“Financial Instruments,” requires that the Company disclose estimated fair values for its financial instruments.  Fair value methods and assumptions used by the Company in estimating its fair value disclosures are as follows:
	Cash and cash equivalents:  The carrying amounts reported in the balance sheets for cash and cash equivalents approximate those assets' fair values.
	Interest-bearing time deposits with banks:  The fair values of interest bearing time deposits with banks are estimated using discounted cash flow analyses using interest rates currently being offered for deposits with similar terms to investors.
	Securities:  Fair values for securities are based on quoted market prices, where available.  If quoted market prices are not available, fair values are based on quoted market prices of comparable instruments.
	Loans held-for-sale:  Fair values for loans held-for-sale are estimated based on outstanding investor commitments, or in the absence of such commitments, are based on current investor yield requirements.
	Loans receivable:  For variable-rate loans that reprice frequently and with no significant change in credit risk, fair values are based on carrying values.  The fair values for other loans are estimated by discounting the future cash flows, using interest rates currently being offered for loans with similar terms to borrowers of similar credit quality.
	Accrued interest receivable:  The carrying amount of accrued interest receivable approximates its fair value.
	Deposit liabilities:  The fair values disclosed for demand deposits, regular savings, NOW accounts, and money market accounts are equal to the amount payable on demand at the reporting date (i.e., their carrying amounts).  Fair values for certificates of deposit are estimated using a discounted cash flow calculation that applies interest rates currently being offered on certificates to a schedule of aggregated expected monthly maturities on time deposits.
	Federal Home Loan Bank advances:  Fair values of Federal Home Loan Bank advances are estimated using discounted cash flow analyses based on the Company’s current incremental borrowing rates for similar types of borrowing arrangements.
	Securities sold under agreements to repurchase:  The carrying amounts of securities sold under agreements to repurchase approximate their fair values.
	Off-balance sheet instruments:  The fair value of commitments to originate loans is estimated using the fees currently charged to enter similar agreements, taking into account the remaining terms of the agreements and the present creditworthiness of the counterparties.  For fixed-rate loan commitments and the unadvanced portion of loans, fair value also considers the difference between current levels of interest rates and the committed rates.  The fair value of letters of credit is based on fees currently charged for similar agreements or on the estimated cost to terminate them or otherwise settle the obligation with the counterparties at the reporting date.
ADVERTISING	'
	ADVERTISING:
	The Company directly expenses costs associated with advertising as they are incurred.
INCOME TAXES	'
	INCOME TAXES:
	The Company recognizes income taxes under the asset and liability method.  Under this method, deferred tax assets and liabilities are established for the temporary differences between the accounting basis and the tax basis of the Company's assets and liabilities at enacted tax rates expected to be in effect when the amounts related to such temporary differences are realized or settled.
STOCK BASED COMPENSATION	'
	STOCK BASED COMPENSATION:
	At December 31, 2013, the Company has stock-based employee compensation plans which are described more fully in Note 18.  The Company accounts for the plan under ASC 718-10, “Compensation – Stock Compensation – Overall.”  During the years ended December 31, 2013 and 2012, $156,000 and $82,000, respectively, in stock-based employee compensation was recognized.
EARNINGS PER SHARE	'
	EARNINGS PER SHARE:
	The Company defines unvested share-based payment awards that contain nonforfeitable rights to dividends as participating securities that are included in computing EPS using the two-class method.
	The two-class method is an earnings allocation formula that determines earnings per share for each share of common stock and participating securities according to dividends declared and participation rights in undistributed earnings.  Under this method, all earnings (distributed and undistributed) are allocated to common shares and participating securities based on their respective rights to receive dividends.  Earnings per common share is calculated by dividing earnings allocated to common shareholders by the weighted-average number of common shares outstanding during the period.
	Basic EPS excludes dilution and is computed by dividing income allocated to common stockholders by the weighted-average number of common shares outstanding for the period.  Diluted EPS reflects the potential dilution that could occur if securities or other contracts to issue common stock were exercised or converted into common stock or resulted in the issuance of common stock that then shared in the earnings of the entity.
RECENT ACCOUNTING PRONOUNCEMENTS	'
	RECENT ACCOUNTING PRONOUNCEMENTS:
	In December 2011, the Financial Accounting Standards Board (FASB) issued ASU 2011-11, “Balance Sheet (Topic 210):  Disclosures about Offsetting Assets and Liabilities.”  The objective of this ASU is to enhance current disclosures.  Entities are required to disclose both gross information and net information about both instruments and transactions eligible for offset in the statement of financial position and instruments and transactions subject to an agreement similar to a master netting arrangement.  The amendments in this ASU are effective for annual periods beginning on or after January 1, 2013, and interim periods within those annual periods.  An entity should provide the disclosures required by those amendments retrospectively for all comparative periods presented.  The adoption of this guidance did not have a material impact on the Company’s consolidated financial statements.
	In October 2012, the FASB issued ASU 2012-06, “Business Combinations (Topic 805): Subsequent Accounting for an Indemnification Asset Recognized at the Acquisition Date as a Result of a Government-Assisted Acquisition of a Financial Institution.”  The amendments in this update clarify the applicable guidance for subsequently measuring an indemnification asset recognized as a result of a government-assisted acquisition of a financial institution.  The amendments in this update are effective for fiscal years, and interim periods within those years beginning on or after December 15, 2012.  The adoption of this guidance did not have a material impact on the Company’s consolidated financial statements.
	In February 2013, the FASB issued ASU 2013-02, “Comprehensive Income (Topic 220): Reporting of Amounts Reclassified Out of Accumulated Other Comprehensive Income.”  The amendments in this update do not change the current requirements for reporting net income or other comprehensive income in financial statements.  However, the amendments require an entity to provide information about the amounts reclassified out of accumulated other comprehensive income by component.  In addition, an entity is required to present, either on the face of the statement where net income is presented or in the notes, significant amounts reclassified out of accumulated other comprehensive income by the respective line items of net income but only if the amount reclassified is required under U.S. GAAP to be reclassified to net income in its entirety in the same reporting period.  For other amounts that are not required under U.S. GAAP to be reclassified in their entirety to net income, an entity is required to cross-reference to other disclosures required under U.S. GAAP that provide additional detail about those amounts.  The amendments are effective prospectively for reporting periods beginning after December 15, 2012.  Early adoption is permitted.  The adoption of this guidance did not have a material impact on the Company’s consolidated financial statements.
	In February 2013, the FASB issued ASU 2013-04, “Liabilities (Topic 405):  Obligations Resulting from Joint and Several Liability Arrangements for Which the Total Amount of the Obligation Is Fixed at the Reporting Date.”  The objective of the amendments in this ASU is to provide guidance for the recognition, measurement, and disclosure of obligations resulting from joint and several liability arrangements for which the total amount of the obligation within the scope of this guidance is fixed at the reporting date, except for obligations addressed within existing guidance in U.S. generally accepted accounting principles (GAAP).  Examples of obligations within the scope of this ASU include debt arrangements, other contractual obligations, and settled litigation and judicial rulings.  The amendments in this ASU are effective for fiscal years, and interim periods within those years, beginning after December 15, 2013; and should be applied retrospectively to all prior periods presented for those obligations resulting from joint and several liability arrangements within the ASU scope that exist at the beginning of an entity’s fiscal year of adoption.  The Company anticipates that the adoption of this guidance will not have a material impact on its consolidated financial statements.
	In April 2013, the FASB issued ASU 2013-07, “Presentation of Financial Statements (Topic 205):  Liquidation Basis of Accounting.”  The amendments in this ASU are being issued to clarify when an entity should apply the liquidation basis of accounting.  The guidance provides principles for the recognition and measurement of assets and liabilities and requirements for financial statements prepared using the liquidation basis of accounting.  Additionally, the amendments require disclosures about an entity’s plan for liquidation, the methods and significant assumptions used to measure assets and liabilities, the type and amount of costs and income accrued, and the expected duration of the liquidation process.  The amendments are effective for entities that determine liquidation is imminent during annual reporting periods beginning after December 15, 2013, and interim reporting periods therein.  Entities should apply the requirements prospectively from the day that liquidation becomes imminent.  Early adoption is permitted.  The Company anticipates that the adoption of this guidance will not have a material impact on its consolidated financial statements.
	In July 2013, the FASB issued ASU 2013-10, “Derivatives and Hedging (Topic 815): Inclusion of the Fed Funds Effective Swap Rate (or Overnight Index Swap Rate) as a Benchmark Interest Rate for Hedge Accounting Purposes.”  The amendments in this ASU permit the Fed Funds Effective Swap Rate (OIS) to be used as a U.S. benchmark interest rate for hedge accounting purposes under Topic 815, in addition to Treasury Obligations of the U.S. government (UST) and the London Interbank Offered Rate (LIBOR).  The amendments also remove the restriction on using different benchmark rates for similar hedges.  The amendments apply to all entities that elect to apply hedge accounting of the benchmark interest rate under Topic 815.  The amendments are effective prospectively for qualifying new or redesignated hedging relationships entered into on or after July 17, 2013.  The adoption of this guidance did not have a material impact on the Company’s consolidated financial statements.
	In July 2013, the FASB issued ASU 2013-11, “Income Taxes (Topic 740):  Presentation of an Unrecognized Tax Benefit When a Net Operating Loss Carryforward, a Similar Tax Loss, or a Tax Credit Carryforward Exists.”  The amendments in this ASU provide guidance for the financial statement presentation of an unrecognized tax benefit when a net operating loss carryforward, a similar tax loss, or a tax credit carryforward exists.  The amendments in this ASU are expected to reduce diversity in practice by providing guidance on the presentation of unrecognized tax benefits and will better reflect the manner in which an entity would settle at the reporting date any additional income taxes that would result from the disallowance of a tax position when net operating loss carryforwards, similar tax losses, or tax credit carryforwards exist.  The amendments apply to all entities that have unrecognized tax benefits when a net operating loss carryforward, a similar tax loss, or a tax credit carryforward exists at the reporting date and are effective for fiscal years, and interim periods within those years, beginning after December 15, 2013.  The Company anticipates that the adoption of this guidance will not have a material impact on its consolidated financial statements.
	In January 2014, the FASB issued ASU 2014-01, “Investments - Equity Method and Joint Ventures (Topic 323):  Accounting for Investments in Qualified Affordable Housing Projects.”  The amendments in this ASU apply to all reporting entities that invest in qualified affordable housing projects through limited liability entities that are flow-through entities for tax purposes as follows:
	1.	For reporting entities that meet the conditions for and that elect to use the proportional amortization method to account for investments in qualified affordable housing projects, all amendments in this ASU apply.
	2.	For reporting entities that do not meet the conditions for or that do not elect the proportional amortization method, only the amendments in this ASU that are related to disclosures apply.
	The amendments in this ASU permit reporting entities to make an accounting policy election to account for their investments in qualified affordable housing projects using the proportional amortization method if certain conditions are met.  Under the proportional amortization method, an entity amortizes the initial cost of the investment in proportion to the tax credits and other tax benefits received and recognizes the net investment performance in the income statement as a component of income tax expense (benefit).  For those investments in qualified affordable housing projects not accounted for using the proportional amortization method, the investment should be accounted for as an equity method investment or a cost method investment in accordance with Subtopic 970-323.  The amendments in this ASU should be applied retrospectively to all periods presented.  A reporting entity that uses the effective yield method to account for its investments in qualified affordable housing projects before the date of adoption may continue to apply the effective yield method for those preexisting investments.  The amendments in this ASU are effective for public business entities for annual periods and interim reporting periods within those annual periods, beginning after December 15, 2014.  For all entities other than public business entities, the amendments are effective for annual periods beginning after December 15, 2014, and interim periods within annual reporting periods beginning after December 15, 2015.  Early adoption is permitted.  The Company anticipates that the adoption of this guidance will not have a material impact on its consolidated financial statements.
	In January 2014, the FASB issued ASU 2014-02, “Intangibles-Goodwill and Other (Topic 350):  Accounting for Goodwill.”  The amendments in this ASU apply to all entities except for public business entities and not-for-profit entities as defined in the Master Glossary of the Accounting Standards Codification and employee benefit plans within the scope of Topics 960 through 965 on plan accounting.  An entity within the scope of the amendments that elects to apply the accounting alternative in this ASU is subject to all of the related subsequent measurement, derecognition, other presentation matters, and disclosure requirements within the accounting alternative.  The amendments in this ASU allow an accounting alternative for the subsequent measurement of goodwill.  An entity within the scope of the amendments that elects the accounting alternative in this ASU should amortize goodwill on a straight-line basis over 10 years, or less than 10 years if the entity demonstrates that another useful life is more appropriate.  An entity that elects the accounting alternative is further required to make an accounting policy election to test goodwill for impairment at either the entity level or the reporting unit level.  The accounting alternative, if elected, should be applied prospectively to goodwill existing as of the beginning of the period of adoption and new goodwill recognized in annual periods beginning after December 15, 2014, and interim periods within annual periods beginning after December 15, 2015.  Early application is permitted, including application to any period for which the entity’s annual or interim financial statements have not yet been made available for issuance.  The Company anticipates that the adoption of this guidance will not have a material impact on its consolidated financial statements.
	In January 2014, the FASB issued ASU 2014-04, “Receivables-Troubled Debt Restructurings by Creditors (Subtopic 310-40):  Reclassification of Residential Real Estate Collateralized Consumer Mortgage Loans upon Foreclosure.”  The objective of the amendments in this ASU is to reduce diversity by clarifying when an in substance repossession or foreclosure occurs, that is, when a creditor should be considered to have received physical possession of residential real estate property collateralizing a consumer mortgage loan such that the loan receivable should be derecognized and the real estate property recognized.  The amendments in this ASU clarify that an in substance repossession or foreclosure occurs, and a creditor is considered to have received physical possession of residential real estate property collateralizing a consumer mortgage loan, upon either (1) the creditor obtaining legal title to the residential real estate property upon completion of a foreclosure or (2) the borrower conveying all interest in the residential real estate property to the creditor to satisfy that loan through completion of a deed in lieu of foreclosure or through a similar legal agreement.  Additionally, the amendments require interim and annual disclosure of both (1) the amount of foreclosed residential real estate property held by the creditor and (2) the recorded investment in consumer mortgage loans collateralized by residential real estate property that are in the process of foreclosure according to local requirements of the applicable jurisdiction.  The amendments in this ASU are effective for public business entities for annual periods, and interim periods within those annual periods, beginning after December 15, 2014.  For entities other than public business entities, the amendments in this ASU are effective for annual periods beginning after December 15, 2014, and interim periods within annual periods beginning after December 15, 2015.  An entity can elect to adopt the amendments in this ASU using either a modified retrospective transition method or a prospective transition method.  The Company is reviewing this ASU to determine if there will be a material impact on the Company’s consolidated financial statements.

INVESTMENTS_IN_AVAILABLEFORSAL1

INVESTMENTS IN AVAILABLE-FOR-SALE SECURITIES (Tables)	12 Months Ended
	Dec. 31, 2013
Amortized Cost and Approximate Fair Values of Securities	'
	The amortized cost of securities and their approximate fair values are as follows as of December 31:
		Amortized				Gross			Gross
		Cost				Unrealized			Unrealized		Fair
		Basis				Gains			Losses		Value
		(In Thousands)
	December 31, 2013:
	Debt securities issued by U.S. government corporations
	and agencies		$	18,767		$	-		$	520	$	18,247
	Obligations of states and municipalities			13,780			391			198		13,973
	Mortgage-backed securities			56,799			126			2,357		54,568
	SBA loan pools			611			50			-		661
	Money market mutual funds			346			-			-		346
				90,303			567			3,075		87,795
	Money market mutual funds included in cash
	and cash equivalents			(346	)		-			-		(346	)
			$	89,957		$	567		$	3,075	$	87,449
	December 31, 2012:
	Debt securities issued by U.S. government corporations
	and agencies		$	30,760		$	86		$	11	$	30,835
	Obligations of states and municipalities			13,598			956			3		14,551
	Corporate debt securities			2,006			52			5		2,053
	Mortgage-backed securities			42,737			601			81		43,257
	SBA loan pools			1,010			114			-		1,124
	Money market mutual funds			358			-			-		358
				90,469			1,809			100		92,178
	Money market mutual funds included in cash
	and cash equivalents			(358	)		-			-		(358	)
			$	90,111		$	1,809		$	100	$	91,820
Scheduled Maturities of Securities	'
	The scheduled maturities of securities were as follows as of December 31, 2013:
			Fair
			Value
			(In Thousands)
	Due after one year through five years		$	13,119
	Due after five years through ten years			8,831
	Due after ten years			10,270
	Mortgage-backed securities			54,568
	SBA loan pools			661
			$	87,449
Aggregate Fair Value and Unrealized Losses of Securities That Have Been in Continuous Unrealized Loss Position for Less Than Twelve Months and for Twelve Months or More	'
	The aggregate fair value and unrealized losses of securities that have been in a continuous unrealized loss position for less than twelve months and for twelve months or more are as follows:
			Less than 12 Months						12 Months or Longer					Total
			Fair			Unrealized			Fair		Unrealized			Fair		Unrealized
			Value			Losses			Value		Losses			Value		Losses
			(In Thousands)
	December 31, 2013:
	Debt securities issued by U.S. Government
	corporations and agencies		$	18,247		$	520		$	-	$	-		$	18,247	$	520
	Obligations of states and municipalities			3,340			198			-		-			3,340		198
	Mortgage-backed securities			42,185			1,958			6,240		359			48,425		2,317
	Total temporarily impaired securities			63,772			2,676			6,240		359			70,012		3,035
	Other-than-temporarily impaired securities:
	Mortgage-backed securities			-			-			331		40			331		40
	Total temporarily impaired and other-
	than-temporarily impaired securities		$	63,772		$	2,676		$	6,571	$	399		$	70,343	$	3,075
	December 31, 2012:
	Debt securities issued by U.S. Government
	corporations and agencies		$	2,989		$	11		$	-	$	-		$	2,989	$	11
	Obligations of states and municipalities			720			3			-		-			720		3
	Corporate debt securities			-			-			495		5			495		5
	Mortgage-backed securities			8,642			20			118		3			8,760		23
	Total temporarily impaired securities			12,351			34			613		8			12,964		42
	Other-than-temporarily impaired securities:
	Mortgage-backed securities			-			-			280		58			280		58
	Total temporarily impaired and other-
	than-temporarily impaired securities		$	12,351		$	34		$	893	$	66		$	13,244	$	100
Other Than Temporary Impairement Losses on Debt Securities	'
	The following table summarizes other-than-temporary impairment losses on debt securities for the years ended December 31, 2013 and 2012:
			2013			2012
			Mortgage-Backed			Mortgage-Backed
			Securities			Securities
			(In Thousands)
	Total other-than-temporary impairment losses		$	57		$	70
	Less: unrealized other-than-temporary losses
	recognized in other comprehensive loss (1)			(40	)		(58	)
	Net impairment losses recognized in earnings (2)		$	17		$	12
	(1)  Represents the noncredit component of the other-than-temporary impairment on the securities.
	(2)  Represents the credit component of the other-than-temporary impairment on securities.
Activity Related to Credit Component Recognized on Debt Securities	'
	Activity related to the credit component recognized in earnings on debt securities held by the Company for which a portion of other-than-temporary impairment was recognized in other comprehensive income for the year ended December 31, 2013 is as follows:
			Mortgage-Backed
			Securities
			(In Thousands)
	Balance, December 31, 2012		$	12
	Additions for the credit component on debt securities in which
	other-than-temporary impairment was previously recognized			17
	Balance, December 31, 2013		$	29
			Mortgage-Backed
			Securities
			(In Thousands)
	Balance, December 31, 2011		$	0
	Additions for the credit component on debt securities in which
	other-than-temporary impairment was not previously recognized			12
	Balance, December 31, 2012		$	12

LOANS_Tables

LOANS (Tables)	12 Months Ended
	Dec. 31, 2013
Loans	'
	Loans consisted of the following as of December 31:
			2013			2012
			(In Thousands)
	Commercial and industrial		$	18,432		$	13,991
	Real estate:
	Construction and land development			7,773			2,982
	Residential			137,539			118,316
	Commercial			48,814			41,978
	Municipal			6,344			-
	Home equity			46,742			45,245
	Municipal			2,144			1,478
	Consumer			10,664			11,053
				278,452			235,043
	Allowance for loan losses			(2,792	)		(2,594	)
	Deferred loan origination costs, net			1,215			841
	Net loans		$	276,875		$	233,290
Allowance For Loan Losses By Portfolio Segment	'
	The following tables set forth information regarding the allowance for loan losses by portfolio segment:
			Real Estate:
									Construction
									and Land							Commercial
			Residential			Commercial			Development				Home Equity			and Industrial			Consumer			Unallocated			Total
			(In Thousands)
	December 31, 2013:
	Allowance for loan
	losses:
	Beginning balance		$	1,051		$	586		$	142			$	362		$	219		$	99		$	135		$	2,594
	Charge-offs			(40	)		(54	)		-				-			(2	)		(58	)		-			(154	)
	Recoveries			-			-			-				-			4			3			-			7
	Provision (benefit)			178			216			69				(59	)		18			58			(135	)		345
	Ending balance		$	1,189		$	748		$	211			$	303		$	239		$	102		$	-		$	2,792
	Ending balance:
	Individually evaluated
	for impairment		$	-		$	-		$	-			$	-		$	-		$	-		$	-		$	-
	Ending balance:
	Collectively evaluated
	for impairment			1,189			748			211				303			239			102			-			2,792
	Total allowance for loan
	losses ending
	balance		$	1,189		$	748		$	211			$	303		$	239		$	102		$	-		$	2,792
	Loans:
	Ending balance:
	Individually evaluated
	for impairment		$	175		$	924		$	222			$	4		$	-		$	-		$	-		$	1,325
	Ending balance:
	Collectively evaluated
	for impairment			137,364			54,234			7,551				46,738			20,576			10,664			-			277,127
	Total loans ending balance		$	137,539		$	55,158		$	7,773			$	46,742		$	20,576		$	10,664		$	-		$	278,452
			Real Estate:
									Construction
									and Land							Commercial
			Residential			Commercial			Development				Home Equity			and Industrial			Consumer			Unallocated			Total
			(In Thousands)
	December 31, 2012:
	Allowance for loan
	losses:
	Beginning balance		$	750		$	573		$	22			$	342		$	422		$	194		$	166		$	2,469
	Charge-offs			(113	)		(25	)		(49	)			-			-			(23	)		-			(210	)
	Recoveries			-			-			1				-			5			9			-			15
	Provision (benefit)			414			38			168				20			(208	)		(81	)		(31	)		320
	Ending balance		$	1,051		$	586		$	142			$	362		$	219		$	99		$	135		$	2,594
	Ending balance:
	Individually evaluated
	for impairment		$	-		$	-		$	-			$	-		$	-		$	-		$	-		$	-
	Ending balance:
	Collectively evaluated
	for impairment			1,051			586			142				362			219			99			135			2,594
	Total allowance for loan
	losses ending
	balance		$	1,051		$	586		$	142			$	362		$	219		$	99		$	135		$	2,594
	Loans:
	Ending balance:
	Individually evaluated
	for impairment		$	180		$	119		$	163			$	5		$	-		$	-		$	-		$	467
	Ending balance:
	Collectively evaluated
	for impairment			118,136			41,859			2,819				45,240			15,469			11,053			-			234,576
	Total loans ending balance		$	118,316		$	41,978		$	2,982			$	45,245		$	15,469		$	11,053		$	-		$	235,043
Loans by Risk Rating	'
	The following tables present the Company’s loans by risk rating as of December 31:
		Real Estate:
									Construction
									and Land							Commercial
		Residential				Commercial			Development				Home Equity			and Industrial			Consumer			Total
		(In Thousands)
	December 31, 2013:
	Grade:
	Pass		$	-		$	50,520		$	6,042			$	-		$	18,425		$	-		$	74,987
	Special mention			-			2,661			1,163				-			1,175			-			4,999
	Substandard			1,601			1,977			568				116			976			-			5,238
	Loans not
	formally rated			135,938			-			-				46,626			-			10,664			193,228
	Total		$	137,539		$	55,158		$	7,773			$	46,742		$	20,576		$	10,664		$	278,452
			Real Estate:
									Construction
									and Land							Commercial
			Residential			Commercial			Development				Home Equity			and Industrial			Consumer			Total
			(In Thousands)
	December 31, 2012:
	Grade:
	Pass		$	-		$	36,748		$	2,381			$	-		$	13,048		$	-		$	52,177
	Special mention			-			3,778			438				-			2,268			-			6,484
	Substandard			572			1,452			163				155			153			-			2,495
	Loans not
	formally rated			117,744			-			-				45,090			-			11,053			173,887
	Total		$	118,316		$	41,978		$	2,982			$	45,245		$	15,469		$	11,053		$	235,043
Age Analysis of Past Due Loans Segregated by Class of Loans	'
	An age analysis of past-due loans, segregated by class of loans is as follows as of December 31:
																						90 Days
									90 Days													or More
									or More				Total			Total			Total			Past Due			Nonaccrual
		30–59 Days				60–89 Days			Past Due				Past Due			Current			Loans			and Accruing			Loans
		(In Thousands)
	December 31, 2013:
	Real estate:
	Residential		$	-		$	720		$	1,253			$	1,973		$	135,566		$	137,539		$	-		$	1,597
	Commercial			-			-			924				924			47,890			48,814			-			924
	Construction and
	land development			-			-			204				204			7,569			7,773			-			222
	Home equity			-			94			83				177			46,565			46,742			-			83
	Municipal			-			-			-				-			6,344			6,344			-			-
	Commercial and industrial			-			-			-				-			18,432			18,432			-			-
	Municipal			-			-			-				-			2,144			2,144			-			-
	Consumer			128			-			26				154			10,510			10,664			3			23
	Total		$	128		$	814		$	2,490			$	3,432		$	275,020		$	278,452		$	3		$	2,849
	December 31, 2012:
	Real estate:
	Residential		$	-		$	490		$	563			$	1,053		$	117,263		$	118,316		$	-		$	821
	Commercial			-			-			-				-			41,978			41,978			-			119
	Construction and
	land development			-			-			163				163			2,819			2,982			-			163
	Home equity			25			36			-				61			45,184			45,245			-			120
	Commercial and industrial			-			-			-				-			13,991			13,991			-			-
	Municipal			-			-			-				-			1,478			1,478			-			-
	Consumer			110			-			17				127			10,926			11,053			-			17
	Total		$	135		$	526		$	743			$	1,404		$	233,639		$	235,043		$	-		$	1,240
Information About Loans that Meet Definition of Impaired Loan	'
	Information about loans that meet the definition of an impaired loan in ASC 310-10-35 is as follows as of and for the years ended December 31:
						Unpaid							Average			Interest
		Recorded				Principal			Related				Recorded			Income
		Investment				Balance			Allowance				Investment			Recognized
			(In Thousands)
	December 31, 2013:
	With no related allowance recorded:
	Real estate:
	Residential		$	175		$	175		$	-			$	178		$	6
	Commercial			924			924			-				929			3
	Home equity			4			4			-				5			-
	Construction and land development			222			222			-				212			-
	Total impaired with no related allowance		$	1,325		$	1,325		$	-			$	1,324		$	9
	With an allowance recorded:
	Total impaired with an allowance recorded		$	-		$	-		$	-			$	-		$	-
	Total
	Real estate:
	Residential		$	175		$	175		$	-			$	178		$	6
	Commercial			924			924			-				929			3
	Home equity			4			4			-				5			-
	Construction and land development			222			222			-				212			-
	Total impaired loans		$	1,325		$	1,325		$	-			$	1,324		$	9
	December 31, 2012:
	With no related allowance recorded:
	Real estate:
	Residential		$	180		$	180		$	-			$	449		$	15
	Commercial			119			119			-				115			7
	Home equity			5			5			-				6			-
	Construction and land development			163			163			-				257			62
	Commercial and industrial			-			-			-				70			5
	Total impaired with no related allowance		$	467		$	467		$	-			$	897		$	89
	With an allowance recorded:
	Total impaired with an allowance recorded		$	-		$	-		$	-			$	-		$	-
	Total
	Real estate:
	Residential		$	180		$	180		$	-			$	449		$	15
	Commercial			119			119			-				115			7
	Home equity			5			5			-				6			-
	Construction and land development			163			163			-				257			62
	Commercial and industrial			-			-			-				70			5
	Total impaired loans		$	467		$	467		$	-			$	897		$	89
Troubled Debt Restructuring	'
	The following tables set forth information regarding troubled debt restructured loans that were restructured during the year ended December 31, 2012:
							Pre-Modification				Post- Modification
			Number of				Outstanding Recorded				Outstanding Recorded
			Contracts				Investment				Investment
			(Dollars In Thousands)
	December 31, 2012:
	Troubled Debt Restructurings:
	Residential			1			$	66			$	72
				1			$	66			$	72
			Number of
			Contracts				Recorded Investment
							(Dollars In Thousands)
	Troubled Debt Restructurings
	That Subsequently Defaulted:
	Residential			1			$	68
				1			$	68
Aggregate Changes in Valuation Allowance for Mortgage Servicing Rights	'
	Following is an analysis of the aggregate changes in the valuation allowance for mortgage servicing rights for the years ended December 31:
			2013			2012
			(In Thousands)
	Balance, beginning of year		$	9		$	5
	Additions			86			41
	Reductions			(53	)		(37	)
	Balance, end of year		$	42		$	9

PREMISES_AND_EQUIPMENT_Tables

PREMISES AND EQUIPMENT (Tables)	12 Months Ended
	Dec. 31, 2013
Premises and Equipment	'
	The following is a summary of premises and equipment as of December 31:
		2013			2012
		(In Thousands)
	Leasehold improvements	$	1,370		$	1,290
	Furniture and equipment		2,968			2,284
			4,338			3,574
	Accumulated depreciation and amortization		(2,720	)		(2,750	)
		$	1,618		$	824

DEPOSITS_Tables

DEPOSITS (Tables)	12 Months Ended
	Dec. 31, 2013
Time Deposits Scheduled Maturities	'
	For time deposits as of December 31, 2013, the scheduled maturities for years ended December 31 are:
		(In Thousands)
	2014	$	40,005
	2015		17,095
	2016		4,117
	2017		4,856
	2018		2,916
	Total	$	68,989

INCOME_TAX_EXPENSE_Tables

INCOME TAX EXPENSE (Tables)	12 Months Ended
	Dec. 31, 2013
Components of Income Tax Expense	'
	The components of income tax expense are as follows for the years ended December 31:
		2013			2012
		(In Thousands)
	Current:
	Federal	$	(72	)	$	541
	State		1			2
			(71	)		543
	Deferred:
	Federal		205			164
	State		-			-
			205			164
	Total income tax expense	$	134		$	707
Differences Between Statutory Federal Income Tax Rate and Effective Tax Rates	'
	The reasons for the differences between the statutory federal income tax rate and the effective tax rates are summarized as follows for the years ended December 31:
		2013			2012
		% of			% of
		Income			Income
	Federal income tax at statutory rate		34	%		34	%
	Increase (decrease) in tax resulting from:
	Tax-exempt income		(23.2	)		(9.2	)
	Other		(0.2	)		0.9
	Effective tax rates		10.6	%		25.7	%
Gross Deferred Tax Assets and Gross Deferred Tax Liabilities	'
	The Company had gross deferred tax assets and gross deferred tax liabilities as follows as of December 31:
		2013			2012
		(In Thousands)
	Deferred tax assets:
	Allowance for loan losses	$	800		$	753
	Deferred compensation		220			181
	Impairment of operating lease		24			39
	Write-down of securities		10			4
	Restricted stock awards		16			12
	Charitable contribution carry over		93			37
	Other		80			20
	Alternative minimum tax carryforward		413			368
	Net unrealized holding loss on available-for-sale securities		853			-
	Gross deferred tax assets		2,509			1,414
	Deferred tax liabilities:
	Depreciation		(250	)		(131	)
	Deferred loan costs/fees		(413	)		(286	)
	Mortgage servicing rights		(481	)		(280	)
	Net unrealized holding gain on available-for-sale securities		-			(581	)
	Gross deferred tax liabilities		(1,144	)		(1,278	)
	Net deferred tax asset	$	1,365		$	136

COMMITMENTS_AND_CONTINGENT_LIA1

COMMITMENTS AND CONTINGENT LIABILITIES (Tables)	12 Months Ended
	Dec. 31, 2013
Minimum Rental due in Future Periods	'
	The total minimum rental due in future periods under these existing agreements is as follows as of December 31, 2013:
		(In Thousands)
	2014	$	860
	2015		767
	2016		541
	2017		497
	2018		508
	Thereafter		912
	Total	$	4,085

FAIR_VALUE_MEASUREMENTS_Tables

FAIR VALUE MEASUREMENTS (Tables)	12 Months Ended
	Dec. 31, 2013
Assets Measured at Fair Value on Recurring Basis	'
	ASSETS MEASURED AT FAIR VALUE ON A RECURRING BASIS
		Fair Value Measurements at Reporting Date Using:
						Quoted Prices in			Significant			Significant
						Active Markets for			Other Observable			Unobservable
						Identical Assets			Inputs			Inputs
			Total			Level 1			Level 2			Level 3
			(In Thousands)
	December 31, 2013:
	Debt securities issued by U.S. government
	corporations and agencies		$	18,247		$	-		$	18,247		$	-
	Obligations of states and municipalities			13,973			-			13,973			-
	Mortgage-backed securities			54,568			-			54,568			-
	SBA loan pools			661			-			661			-
	Totals		$	87,449		$	-		$	87,449		$	-
		Fair Value Measurements at Reporting Date Using:
						Quoted Prices in			Significant			Significant
						Active Markets for			Other Observable			Unobservable
						Identical Assets			Inputs			Inputs
			Total			Level 1			Level 2			Level 3
			(In Thousands)
	December 31, 2012:
	Debt securities issued by U.S. government
	corporations and agencies		$	30,835		$	-		$	30,835		$	-
	Obligations of states and municipalities			14,551			-			14,551			-
	Corporate debt securities			2,053			-			2,053			-
	Mortgage-backed securities			43,257			-			43,257			-
	SBA loan pools			1,124			-			1,124			-
	Totals		$	91,820		$	-		$	91,820		$	-
Assets Measured at Fair Value on Nonrecurring Basis	'
	The following table presents the assets carried on the consolidated balance sheet by caption and by level in the fair value hierarchy, at December 31, 2012, for which a nonrecurring change in fair value has been recorded:
	ASSETS MEASURED AT FAIR VALUE ON A NONRECURRING BASIS
		Fair Value Measurements at Reporting Date Using:
						Quoted Prices in			Significant			Significant
						Active Markets for			Other Observable			Unobservable
						Identical Assets			Inputs			Inputs
			Total			Level 1			Level 2			Level 3
			(In Thousands)
	December 31, 2012:
	Other real estate owned		$	213		$	-		$	-		$	213
	Totals		$	213		$	-		$	-		$	213
Estimated Fair Values of Financial Instruments Held or Issued for Purposes Other Than Trading	'
	The estimated fair values of the Company’s financial instruments, all of which are held or issued for purposes other than trading, are as follows as of December 31:
		31-Dec-13
		Carrying			Fair Value
		Amount			Level 1			Level 2			Level 3			Total
		(In Thousands)
	Financial assets:
	Cash and cash equivalents	$	38,590		$	38,590		$	-		$	-		$	38,590
	Available-for-sale securities		87,449			-			87,449			-			87,449
	Federal Home Loan Bank stock		2,196			2,196			-			-			2,196
	Loans held-for-sale		2,861						-			2,909			2,909
	Loans, net		276,875			-			-			277,539			277,539
	Accrued interest receivable		1,074			1,074			-			-			1,074
	Financial liabilities:
	Deposits		358,504			-			358,961			-			358,961
	Securities sold under agreements to repurchase		4,390			-			4,390			-			4,390
	Federal Home Loan Bank advances		30,000			-			30,000			-			30,000
		31-Dec-12
		Carrying			Fair Value
		Amount			Level 1			Level 2			Level 3			Total
		(In Thousands)
	Financial assets:
	Cash and cash equivalents	$	34,100		$	34,100		$	-		$	-		$	34,100
	Interest-bearing time deposits with other banks		3,789			-			3,892			-			3,892
	Available-for-sale securities		91,820			-			91,820			-			91,820
	Federal Home Loan Bank stock		589			589			-			-			589
	Loans, net		223,290			-			-			239,465			239,465
	Accrued interest receivable		1,019			1,019			-			-			1,019
	Financial liabilities:
	Deposits		340,409			-			340,857			-			340,857
	Securities sold under agreements to repurchase		3,569			-			3,569			-			3,569

FINANCIAL_INSTRUMENTS_Tables

FINANCIAL INSTRUMENTS (Tables)	12 Months Ended
	Dec. 31, 2013
Notional Amounts of Financial Instrument Liabilities with off-Balance-Sheet Credit Risk	'
	Notional amounts of financial instrument liabilities with off-balance-sheet credit risk are as follows as of December 31:
		2013		2012
		(In Thousands)
	Commitments to originate loans	$	10,488	$	13,459
	Standby letters of credit		857		175
	Unadvanced portions of loans:
	Construction loans		5,456		1,778
	Commercial lines of credit		14,265		11,383
	Consumer		677		689
	Home equity lines of credit		40,075		32,550
		$	71,818	$	60,034

OTHER_COMPREHENSIVE_INCOME_Tab

OTHER COMPREHENSIVE INCOME (Tables)	12 Months Ended
	Dec. 31, 2013
Other Comprehensive (loss) Income	'
	The components of other comprehensive (loss) income, included in stockholders’ equity are as follows during the years ended December 31:
		2013			2012
		(In Thousands)
	Net unrealized holding (loss) gain on available-for-sale securities	$	(4,108	)	$	736
	Reclassification adjustment for realized gains in net income		(109	)		(113	)
	Other comprehensive (loss) income before income tax effect		(4,217	)		623
	Income tax expense (expense)		1,434			(212	)
	Other comprehensive (loss) income, net of tax	$	(2,783	)	$	411
Accumulated Other Comprehensive Income	'
	At December 31, 2013 and 2012, the components of accumulated other comprehensive income, included in stockholders’ equity, are as follows:
		2013			2012
		(In Thousands)
	Net unrealized (loss) gain on securities available-for-sale, net of tax	$	(1,655	)	$	1,128
	Total accumulated other comprehensive (loss) income	$	(1,655	)	$	1,128

REGULATORY_MATTERS_Tables

REGULATORY MATTERS (Tables)	12 Months Ended
	Dec. 31, 2013
Bank Actual Capital Amounts and Ratios	'
	The Bank’s actual capital amounts and ratios are also presented in the table.
												To Be Well
												Capitalized Under
							For Capital					Prompt Corrective
		Actual					Adequacy Purposes					Action Provisions
		Amount		Ratio			Amount		Ratio			Amount		Ratio
		(Dollars In Thousands)
	As of December 31, 2013:
	Total Capital (to Risk Weighted Assets)	$	31,433		13.08	%	$	19,227	≥	8	%	$	24,033	≥	10	%
	Tier 1 Capital (to Risk Weighted Assets)		28,641		11.92			9,613	≥	4			14,420	≥	6
	Tier 1 Capital (to Average Assets)		28,641		7.09			16,150	≥	4			20,188	≥	5
	As of December 31, 2012:
	Total Capital (to Risk Weighted Assets)	$	30,637		14.68	%	$	16,694	≥	8	%	$	20,868	≥	10	%
	Tier 1 Capital (to Risk Weighted Assets)		28,043		13.44			8,347	≥	4			12,521	≥	6
	Tier 1 Capital (to Average Assets)		28,043		7.73			14,520	≥	4			18,150	≥	5

STOCK_BASED_COMPENSATION_PLANS1

STOCK BASED COMPENSATION PLANS (Tables)	12 Months Ended
	Dec. 31, 2013
Status of stock option plan	'
	A summary of the status of the Company’s stock option plan as of December 31 and changes during the years ending on that date is presented below:
			2013							2012
							Weighted-Average						Weighted-Average
	Fixed Options		Shares				Exercise Price			Shares			Exercise Price
	Outstanding at beginning of year			31,500			$	30.67			32,811		$	30.07
	Forfeited			-				-			(1,311	)		15.65
	Outstanding at end of year			31,500				30.67			31,500			30.67
	Options exercisable at year-end			31,500			$	30.67			31,500		$	30.67
	Weighted-average fair value of
	options granted during the year			N/A							N/A
Fixed Stock Options Outstanding	'
	The following table summarizes information about fixed stock options outstanding as of December 31, 2013:
	Options Outstanding and Exercisable
									Weighted-Average
					Number				Remaining	Number
	Exercise Price				Outstanding				Contractual Life	Exercisable			Exercise Price
	$	31.5				21,000			1.97 years		21,000		$	31.5
		29				10,500			2.48 years		10,500			29
	$	30.67				31,500			2.14 years		31,500		$	30.67
Restricted Stock	'
Status of Restricted Stock Awards	'
	A summary of the status of the restricted stock awards as of December 31 and changes during the years ending on that date is presented below:
			2013							2012
							Weighted-Average						Weighted-Average
			Number of				Grant			Number of			Grant
	Fixed Options		Shares				Price			Shares			Price
	Non-vested restricted stock awards
	at beginning of year			18,042			$	22.29			11,206		$	20.21
	Restricted shares granted			10,000				23.39			10,570			23.75
	Shares vested			(6,536	)			21.88			(3,734	)		20.21
	Shares forfeited			(1,982	)			22.62			-			-
	Non-vested restricted stock awards
	at end of year			19,524			$	22.95			18,042		$	22.29

EARNINGS_PER_SHARE_Tables

EARNINGS PER SHARE (Tables)	12 Months Ended
	Dec. 31, 2013
Information Used in Computation of EPS on Both Basic and Diluted Basis	'
	Reconciliation of the numerators and the denominators of the basic and diluted per share computations for net income available to common stockholders are as follows:
		2013			2012
		(In Thousands, Except Share Data)
	Basic earnings per share computation:
	Net income	$	1,135		$	2,044
	Preferred stock net accretion		(12	)		(12	)
	Cumulative preferred stock dividends		(94	)		(134	)
	Net income available to common shareholders	$	1,029		$	1,898
	Weighted average shares outstanding, basic		872,411			867,087
	Basic earnings per share	$	1.18		$	2.19
	Diluted earnings per share computation:
	Net income	$	1,135		$	2,044
	Preferred stock net accretion		(12	)		(12	)
	Cumulative preferred stock dividends		(94	)		(134	)
	Net income available to common shareholders	$	1,029		$	1,898
	Weighted average shares outstanding, before dilution		872,411			867,087
	Dilutive potential shares		4,576			5,119
	Weighted average shares outstanding, assuming dilution		876,987			872,206
	Diluted earnings per share	$	1.17		$	2.18

Accounting_Policies_Additional

Accounting Policies - Additional Information (Detail) (USD $)	12 Months Ended
In Thousands, except Per Share data, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Significant Accounting Policies [Line Items]	'	'
Cash and due from banks subject to withdrawals and usage restrictions	$7,453	$4,842
Federal Home Loan Bank (FHLB) stock, par-value	$100	'
Membership Stock Investment Requirement as a percentage of member's Stock Investment Base	0.35%	'
Commercial real estate loans, percentage of outstanding principal balance secured by owner-occupied properties	82.00%	'
Stock based compensation	156	82
Federal Home Loan Bank Borrowings	'	'
Significant Accounting Policies [Line Items]	'	'
Activity-Based Stock Investment Requirement, percentage	4.00%	'
Standby letters of credit	'	'
Significant Accounting Policies [Line Items]	'	'
Activity-Based Stock Investment Requirement, percentage	0.50%	'
Intermediated Derivative Contract	'	'
Significant Accounting Policies [Line Items]	'	'
Activity-Based Stock Investment Requirement, percentage	4.50%	'
Overnight Federal Funds Rate Base	'	'
Significant Accounting Policies [Line Items]	'	'
Activity-Based Stock Investment Requirement, percentage	3.00%	'
Other Federal Home Loan Bank Advances	'	'
Significant Accounting Policies [Line Items]	'	'
Activity-Based Stock Investment Requirement, percentage	4.50%	'
Minimum	'	'
Significant Accounting Policies [Line Items]	'	'
Membership Stock Investment Requirement, Stock Investment Base	10	'
Unsecured consumer loans, charged-off period	'120 days	'
Minimum | Consumer	'	'
Significant Accounting Policies [Line Items]	'	'
Mortgage Loan Delinquency Period	'90 days	'
Minimum | Real Estate | Residential	'	'
Significant Accounting Policies [Line Items]	'	'
Mortgage Loan Delinquency Period	'90 days	'
Minimum | Real Estate | Commercial	'	'
Significant Accounting Policies [Line Items]	'	'
Mortgage Loan Delinquency Period	'90 days	'
Minimum | Furniture and Fixtures	'	'
Significant Accounting Policies [Line Items]	'	'
Premises and equipment, estimated lives	'3 years	'
Maximum	'	'
Significant Accounting Policies [Line Items]	'	'
Membership Stock Investment Requirement, Stock Investment Base	$25,000	'
Unsecured consumer loans, charged-off period	'180 days	'
Maximum loan-to-value ratio	75.00%	'
Maximum Loan-to-value ratio without obtaining private mortgage insurance	80.00%	'
Maximum | Furniture and Fixtures	'	'
Significant Accounting Policies [Line Items]	'	'
Premises and equipment, estimated lives	'20 years	'

Amortized_Cost_and_Approximate

Amortized Cost and Approximate Fair Values of Securities (Detail) (USD $)	Dec. 31, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Schedule of Available-for-sale Securities	'	'
Fair Value	$87,449	$91,820
Debt securities issued by U.S. government corporations and agencies	'	'
Schedule of Available-for-sale Securities	'	'
Amortized Cost Basis	18,767	30,760
Gross Unrealized Gains	'	86
Gross Unrealized Losses	520	11
Fair Value	18,247	30,835
Obligations of states and municipalities	'	'
Schedule of Available-for-sale Securities	'	'
Amortized Cost Basis	13,780	13,598
Gross Unrealized Gains	391	956
Gross Unrealized Losses	198	3
Fair Value	13,973	14,551
Corporate debt securities	'	'
Schedule of Available-for-sale Securities	'	'
Amortized Cost Basis	'	2,006
Gross Unrealized Gains	'	52
Gross Unrealized Losses	'	5
Fair Value	'	2,053
Mortgage-backed securities	'	'
Schedule of Available-for-sale Securities	'	'
Amortized Cost Basis	56,799	42,737
Gross Unrealized Gains	126	601
Gross Unrealized Losses	2,357	81
Fair Value	54,568	43,257
SBA loan pools	'	'
Schedule of Available-for-sale Securities	'	'
Amortized Cost Basis	611	1,010
Gross Unrealized Gains	50	114
Fair Value	661	1,124
Money Market Mutual Funds	'	'
Schedule of Available-for-sale Securities	'	'
Amortized Cost Basis	346	358
Fair Value	346	358
Money market funds	'	'
Schedule of Available-for-sale Securities	'	'
Amortized Cost Basis	-346	-358
Fair Value	-346	-358
Available-for-sale securities	'	'
Schedule of Available-for-sale Securities	'	'
Amortized Cost Basis	89,957	90,111
Gross Unrealized Gains	567	1,809
Gross Unrealized Losses	3,075	100
Fair Value	87,449	91,820
Available - for - sale equity securities, excluding money market funds	'	'
Schedule of Available-for-sale Securities	'	'
Amortized Cost Basis	90,303	90,469
Gross Unrealized Gains	567	1,809
Gross Unrealized Losses	3,075	100
Fair Value	$87,795	$92,178

Scheduled_Maturities_of_Securi

Scheduled Maturities of Securities (Detail) (USD $)	Dec. 31, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Schedule of Available-for-sale Securities	'	'
Due after one year through five years	$13,119	'
Due after five years through ten years	8,831	'
Due after ten years	10,270	'
Available for Sale Securities	87,449	91,820
SBA loan pools	'	'
Schedule of Available-for-sale Securities	'	'
Available for sale securities	661	'
Available for Sale Securities	661	1,124
Mortgage-backed securities	'	'
Schedule of Available-for-sale Securities	'	'
Available for sale securities	54,568	'
Available for Sale Securities	$54,568	$43,257

Recovered_Sheet1

Investments in Available-For-Sale Securities - Additional Information (Detail) (USD $)	12 Months Ended
	Dec. 31, 2013		Dec. 31, 2012
	Securities
Schedule of Available-for-sale Securities	'		'
Proceeds from sales of available-for-sale securities	$11,493,000		$4,249,000
Gross realized gains from sales of available-for-sale securities	126,000		125,000
Tax expense on gains from sales of available-for-sale securities	43,000		42,000
Number of securities that exceeded 10% of stockholders' equity	0		'
Carrying amounts of securities pledged for securities sold under agreements to repurchase and public deposits	15,418,000		14,819,000
Net impairment losses recognized in earnings	$17,000	[1]	$12,000	[1]
[1]	Represents the credit component of the other-than-temporary impairment on securities.

Aggregate_Fair_Value_and_Unrea

Aggregate Fair Value and Unrealized Losses of Securities That Have Been in Continuous Unrealized Loss Position for Less than Twelve Months and for Twelve Months or More (Detail) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Investments, Unrealized Loss Position	'	'
Less than 12 months, Fair value	$63,772	$12,351
Less than 12 months, Unrealized losses	2,676	34
12 months or longer, Fair value	6,571	893
12 months or longer, Unrealized losses	399	66
Fair value	70,343	13,244
Unrealized losses	3,075	100
Temporarily impaired securities	'	'
Investments, Unrealized Loss Position	'	'
Less than 12 months, Fair value	63,772	12,351
Less than 12 months, Unrealized losses	2,676	34
12 months or longer, Fair value	6,240	613
12 months or longer, Unrealized losses	359	8
Fair value	70,012	12,964
Unrealized losses	3,035	42
Temporarily impaired securities | Debt securities issued by the U.S. Government corporations and agencies	'	'
Investments, Unrealized Loss Position	'	'
Less than 12 months, Fair value	18,247	2,989
Less than 12 months, Unrealized losses	520	11
Fair value	18,247	2,989
Unrealized losses	520	11
Temporarily impaired securities | Obligations of states and municipalities	'	'
Investments, Unrealized Loss Position	'	'
Less than 12 months, Fair value	3,340	720
Less than 12 months, Unrealized losses	198	3
Fair value	3,340	720
Unrealized losses	198	3
Temporarily impaired securities | Corporate debt securities	'	'
Investments, Unrealized Loss Position	'	'
12 months or longer, Fair value	'	495
12 months or longer, Unrealized losses	'	5
Fair value	'	495
Unrealized losses	'	5
Temporarily impaired securities | Mortgage-backed securities	'	'
Investments, Unrealized Loss Position	'	'
Less than 12 months, Fair value	42,185	8,642
Less than 12 months, Unrealized losses	1,958	20
12 months or longer, Fair value	6,240	118
12 months or longer, Unrealized losses	359	3
Fair value	48,425	8,760
Unrealized losses	2,317	23
Other-than-temporarily impaired securities | Mortgage-backed securities	'	'
Investments, Unrealized Loss Position	'	'
12 months or longer, Fair value	331	280
12 months or longer, Unrealized losses	40	58
Fair value	331	280
Unrealized losses	$40	$58

Other_Than_Temporary_Impairmen

Other Than Temporary Impairment Losses on Debt Securities (Detail) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013		Dec. 31, 2012
Other than Temporary Impairment, Credit Losses Recognized in Earnings [Line Items]	'		'
Total other-than-temporary impairment losses	$57		$70
Less: unrealized other-than-temporary losses recognized in other comprehensive loss	-40	[1]	-58	[1]
Net impairment losses recognized in earnings	$17	[2]	$12	[2]
[1]	Represents the noncredit component of the other-than-temporary impairment on the securities.
[2]	Represents the credit component of the other-than-temporary impairment on securities.

Activity_Related_to_Credit_Com

Activity Related to Credit Component Recognized on Debt Securities (Detail) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013		Dec. 31, 2012
Other than Temporary Impairment, Credit Losses Recognized in Earnings [Line Items]	'		'
Additions for the credit component on debt securities in which other-than-temporary impairment was previously recognized	$17	[1]	$12	[1]
Mortgage-backed securities	'		'
Other than Temporary Impairment, Credit Losses Recognized in Earnings [Line Items]	'		'
Beginning Balance	12		0
Additions for the credit component on debt securities in which other-than-temporary impairment was previously recognized	17		'
Additions for the credit component on debt securities in which other-than-temporary impairment was not previously recognized	'		12
Ending Balance	$29		$12
[1]	Represents the credit component of the other-than-temporary impairment on securities.

Loans_Detail

Loans (Detail) (USD $)	Dec. 31, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Accounts, Notes, Loans and Financing Receivable	'	'
Loans	$278,452	$235,043
Allowance for loan losses	-2,792	-2,594
Deferred loan origination costs, net	1,215	841
Loans, net	276,875	233,290
Commercial and Industrial	'	'
Accounts, Notes, Loans and Financing Receivable	'	'
Loans	18,432	13,991
Construction and land development | Real Estate	'	'
Accounts, Notes, Loans and Financing Receivable	'	'
Loans	7,773	2,982
Residential | Real Estate	'	'
Accounts, Notes, Loans and Financing Receivable	'	'
Loans	137,539	118,316
Commercial | Real Estate	'	'
Accounts, Notes, Loans and Financing Receivable	'	'
Loans	48,814	41,978
Home equity	'	'
Accounts, Notes, Loans and Financing Receivable	'	'
Loans	46,742	45,245
Home equity | Real Estate	'	'
Accounts, Notes, Loans and Financing Receivable	'	'
Loans	46,742	45,245
Municipal	'	'
Accounts, Notes, Loans and Financing Receivable	'	'
Loans	2,144	1,478
Municipal | Real Estate	'	'
Accounts, Notes, Loans and Financing Receivable	'	'
Loans	6,344	'
Consumer	'	'
Accounts, Notes, Loans and Financing Receivable	'	'
Loans	$10,664	$11,053

Allowance_For_Loan_Losses_by_P

Allowance For Loan Losses by Portfolio Segment (Detail) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Financing Receivable, Allowance for Credit Losses	'	'
Beginning balance	$2,594	$2,469
Charge-offs	-154	-210
Recoveries	7	15
Provision (benefit)	345	320
Ending balance	2,792	2,594
Individually evaluated for impairment	'	'
Collectively evaluated for impairment	2,792	2,594
Total allowance for loan losses ending balance	2,792	2,594
Loans:	'	'
Individually evaluated for impairment	1,325	467
Collectively evaluated for impairment	277,127	234,576
Total loans ending balance	278,452	235,043
Commercial and Industrial	'	'
Financing Receivable, Allowance for Credit Losses	'	'
Beginning balance	219	422
Charge-offs	-2	'
Recoveries	4	5
Provision (benefit)	18	-208
Ending balance	239	219
Individually evaluated for impairment	'	'
Collectively evaluated for impairment	239	219
Total allowance for loan losses ending balance	239	219
Loans:	'	'
Collectively evaluated for impairment	20,576	15,469
Total loans ending balance	20,576	15,469
Consumer	'	'
Financing Receivable, Allowance for Credit Losses	'	'
Beginning balance	99	194
Charge-offs	-58	-23
Recoveries	3	9
Provision (benefit)	58	-81
Ending balance	102	99
Individually evaluated for impairment	'	'
Collectively evaluated for impairment	102	99
Total allowance for loan losses ending balance	102	99
Loans:	'	'
Collectively evaluated for impairment	10,664	11,053
Total loans ending balance	10,664	11,053
Unallocated	'	'
Financing Receivable, Allowance for Credit Losses	'	'
Beginning balance	135	166
Provision (benefit)	-135	-31
Ending balance	'	135
Individually evaluated for impairment	'	'
Collectively evaluated for impairment	'	135
Total allowance for loan losses ending balance	'	135
Real Estate | Residential	'	'
Financing Receivable, Allowance for Credit Losses	'	'
Beginning balance	1,051	750
Charge-offs	-40	-113
Provision (benefit)	178	414
Ending balance	1,189	1,051
Individually evaluated for impairment	'	'
Collectively evaluated for impairment	1,189	1,051
Total allowance for loan losses ending balance	1,189	1,051
Loans:	'	'
Individually evaluated for impairment	175	180
Collectively evaluated for impairment	137,364	118,136
Total loans ending balance	137,539	118,316
Real Estate | Commercial	'	'
Financing Receivable, Allowance for Credit Losses	'	'
Beginning balance	586	573
Charge-offs	-54	-25
Provision (benefit)	216	38
Ending balance	748	586
Individually evaluated for impairment	'	'
Collectively evaluated for impairment	748	586
Total allowance for loan losses ending balance	748	586
Loans:	'	'
Individually evaluated for impairment	924	119
Collectively evaluated for impairment	54,234	41,859
Total loans ending balance	55,158	41,978
Real Estate | Construction and land development	'	'
Financing Receivable, Allowance for Credit Losses	'	'
Beginning balance	142	22
Charge-offs	'	-49
Recoveries	'	1
Provision (benefit)	69	168
Ending balance	211	142
Individually evaluated for impairment	'	'
Collectively evaluated for impairment	211	142
Total allowance for loan losses ending balance	211	142
Loans:	'	'
Individually evaluated for impairment	222	163
Collectively evaluated for impairment	7,551	2,819
Total loans ending balance	7,773	2,982
Real Estate | Home equity	'	'
Financing Receivable, Allowance for Credit Losses	'	'
Beginning balance	362	342
Provision (benefit)	-59	20
Ending balance	303	362
Individually evaluated for impairment	'	'
Collectively evaluated for impairment	303	362
Total allowance for loan losses ending balance	303	362
Loans:	'	'
Individually evaluated for impairment	4	5
Collectively evaluated for impairment	46,738	45,240
Total loans ending balance	$46,742	$45,245

Loans_by_Risk_Rating_Detail

Loans by Risk Rating (Detail) (USD $)	Dec. 31, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Financing Receivable, Recorded Investment	'	'
Loans outstanding	$278,452	$235,043
Pass	'	'
Financing Receivable, Recorded Investment	'	'
Loans outstanding	74,987	52,177
Special mention	'	'
Financing Receivable, Recorded Investment	'	'
Loans outstanding	4,999	6,484
Substandard	'	'
Financing Receivable, Recorded Investment	'	'
Loans outstanding	5,238	2,495
Loans not formally rated	'	'
Financing Receivable, Recorded Investment	'	'
Loans outstanding	193,228	173,887
Home equity	'	'
Financing Receivable, Recorded Investment	'	'
Loans outstanding	46,742	45,245
Home equity | Substandard	'	'
Financing Receivable, Recorded Investment	'	'
Loans outstanding	116	155
Home equity | Loans not formally rated	'	'
Financing Receivable, Recorded Investment	'	'
Loans outstanding	46,626	45,090
Commercial and Industrial	'	'
Financing Receivable, Recorded Investment	'	'
Loans outstanding	20,576	15,469
Commercial and Industrial | Pass	'	'
Financing Receivable, Recorded Investment	'	'
Loans outstanding	18,425	13,048
Commercial and Industrial | Special mention	'	'
Financing Receivable, Recorded Investment	'	'
Loans outstanding	1,175	2,268
Commercial and Industrial | Substandard	'	'
Financing Receivable, Recorded Investment	'	'
Loans outstanding	976	153
Consumer	'	'
Financing Receivable, Recorded Investment	'	'
Loans outstanding	10,664	11,053
Consumer | Loans not formally rated	'	'
Financing Receivable, Recorded Investment	'	'
Loans outstanding	10,664	11,053
Real Estate | Residential	'	'
Financing Receivable, Recorded Investment	'	'
Loans outstanding	137,539	118,316
Real Estate | Residential | Substandard	'	'
Financing Receivable, Recorded Investment	'	'
Loans outstanding	1,601	572
Real Estate | Residential | Loans not formally rated	'	'
Financing Receivable, Recorded Investment	'	'
Loans outstanding	135,938	117,744
Real Estate | Commercial	'	'
Financing Receivable, Recorded Investment	'	'
Loans outstanding	55,158	'
Real Estate | Commercial | Pass	'	'
Financing Receivable, Recorded Investment	'	'
Loans outstanding	50,520	'
Real Estate | Commercial | Special mention	'	'
Financing Receivable, Recorded Investment	'	'
Loans outstanding	2,661	'
Real Estate | Commercial | Substandard	'	'
Financing Receivable, Recorded Investment	'	'
Loans outstanding	1,977	'
Real Estate | Construction and land development	'	'
Financing Receivable, Recorded Investment	'	'
Loans outstanding	7,773	2,982
Real Estate | Construction and land development | Pass	'	'
Financing Receivable, Recorded Investment	'	'
Loans outstanding	6,042	2,381
Real Estate | Construction and land development | Special mention	'	'
Financing Receivable, Recorded Investment	'	'
Loans outstanding	1,163	438
Real Estate | Construction and land development | Substandard	'	'
Financing Receivable, Recorded Investment	'	'
Loans outstanding	568	163
Real Estate | Home equity	'	'
Financing Receivable, Recorded Investment	'	'
Loans outstanding	46,742	45,245
Real Estate | Commercial	'	'
Financing Receivable, Recorded Investment	'	'
Loans outstanding	48,814	41,978
Real Estate | Commercial | Pass	'	'
Financing Receivable, Recorded Investment	'	'
Loans outstanding	'	36,748
Real Estate | Commercial | Special mention	'	'
Financing Receivable, Recorded Investment	'	'
Loans outstanding	'	3,778
Real Estate | Commercial | Substandard	'	'
Financing Receivable, Recorded Investment	'	'
Loans outstanding	'	$1,452

Loans_Additional_Information_D

Loans - Additional Information (Detail) (USD $)	12 Months Ended
	Dec. 31, 2013	Dec. 31, 2012
	Loan	Loan
Accounts, Notes, Loans and Financing Receivable	'	'
Loans outstanding	$279,667,000	$235,884,000
Percentage of delinquent loans outstanding	1.17%	0.54%
Number of loan modified as a troubled debt restructure	0	1
Commitments to lend additional funds	0	0
Minimum	'	'
Accounts, Notes, Loans and Financing Receivable	'	'
Consisting loans past due days	'60 days	'
Mortgage Servicing Rights	'	'
Accounts, Notes, Loans and Financing Receivable	'	'
Mortgage servicing rights, carrying amount	1,414,000	822,000
Mortgage servicing rights, capitalized	925,000	774,000
Mortgage servicing rights, amortization	300,000	106,000
Mortgage servicing rights, fair value	1,671,000	1,036,000
Real Estate	'	'
Accounts, Notes, Loans and Financing Receivable	'	'
Commitments to lend additional funds	'	68,000
Unpaid principal balances of mortgage loans serviced for others	147,955,000	88,728,000
Residential, home equity and consumer portfolio segments	'	'
Accounts, Notes, Loans and Financing Receivable	'	'
Loans outstanding	197,700,000	174,600,000
Residential, home equity and consumer portfolio segments | Loans not formally rated	'	'
Accounts, Notes, Loans and Financing Receivable	'	'
Loans outstanding	$196,100,000	$173,900,000
Home equity	'	'
Accounts, Notes, Loans and Financing Receivable	'	'
Maximum loan to value ratio	80.00%	'

Age_Analysis_of_Past_Due_Loans

Age Analysis of Past Due Loans Segregated by Class of Loans (Detail) (USD $)	Dec. 31, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Financing Receivable, Recorded Investment, Past Due	'	'
30-59 Days	$128	$135
60-89 Days	814	526
90 Days or More Past Due	2,490	743
Total Past Due	3,432	1,404
Total Current	275,020	233,639
Total Loans	278,452	235,043
90 Days or More Past Due and Accruing	3	'
Nonaccrual Loans	2,849	1,240
Home equity	'	'
Financing Receivable, Recorded Investment, Past Due	'	'
Total Loans	46,742	45,245
Municipal	'	'
Financing Receivable, Recorded Investment, Past Due	'	'
Total Current	2,144	1,478
Total Loans	2,144	1,478
Commercial and Industrial	'	'
Financing Receivable, Recorded Investment, Past Due	'	'
Total Current	18,432	13,991
Total Loans	18,432	13,991
Consumer	'	'
Financing Receivable, Recorded Investment, Past Due	'	'
30-59 Days	128	110
90 Days or More Past Due	26	17
Total Past Due	154	127
Total Current	10,510	10,926
Total Loans	10,664	11,053
90 Days or More Past Due and Accruing	3	'
Nonaccrual Loans	23	17
Real Estate | Residential	'	'
Financing Receivable, Recorded Investment, Past Due	'	'
60-89 Days	720	490
90 Days or More Past Due	1,253	563
Total Past Due	1,973	1,053
Total Current	135,566	117,263
Total Loans	137,539	118,316
Nonaccrual Loans	1,597	821
Real Estate | Commercial	'	'
Financing Receivable, Recorded Investment, Past Due	'	'
90 Days or More Past Due	924	'
Total Past Due	924	'
Total Current	47,890	41,978
Total Loans	48,814	41,978
Nonaccrual Loans	924	119
Real Estate | Construction and land development	'	'
Financing Receivable, Recorded Investment, Past Due	'	'
90 Days or More Past Due	204	163
Total Past Due	204	163
Total Current	7,569	2,819
Total Loans	7,773	2,982
Nonaccrual Loans	222	163
Real Estate | Home equity	'	'
Financing Receivable, Recorded Investment, Past Due	'	'
30-59 Days	'	25
60-89 Days	94	36
90 Days or More Past Due	83	'
Total Past Due	177	61
Total Current	46,565	45,184
Total Loans	46,742	45,245
Nonaccrual Loans	83	120
Real Estate | Municipal	'	'
Financing Receivable, Recorded Investment, Past Due	'	'
Total Current	6,344	'
Total Loans	$6,344	'

Information_about_Loans_that_M

Information about Loans that Meet Definition of Impaired Loan (Detail) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Financing Receivable, Impaired	'	'
Recorded Investment	$1,325	$467
Unpaid Principal Balance	1,325	467
Related Allowance	'	'
Average Recorded Investment	1,324	897
Interest Income Recognized	9	89
Real Estate | Residential	'	'
Financing Receivable, Impaired	'	'
Recorded Investment	175	180
Unpaid Principal Balance	175	180
Related Allowance	'	'
Average Recorded Investment	178	449
Interest Income Recognized	6	15
Real Estate | Commercial	'	'
Financing Receivable, Impaired	'	'
Recorded Investment	924	119
Unpaid Principal Balance	924	119
Related Allowance	'	'
Average Recorded Investment	929	115
Interest Income Recognized	3	7
Real Estate | Home equity	'	'
Financing Receivable, Impaired	'	'
Recorded Investment	4	5
Unpaid Principal Balance	4	5
Related Allowance	'	'
Average Recorded Investment	5	6
Real Estate | Construction and land development	'	'
Financing Receivable, Impaired	'	'
Recorded Investment	222	163
Unpaid Principal Balance	222	163
Related Allowance	'	'
Average Recorded Investment	212	257
Interest Income Recognized	'	62
Real Estate | Commercial and Industrial	'	'
Financing Receivable, Impaired	'	'
Related Allowance	'	'
Average Recorded Investment	'	70
Interest Income Recognized	'	5
Impaired Financing Receivables with No Related Allowance	'	'
Financing Receivable, Impaired	'	'
Recorded Investment	1,325	467
Unpaid Principal Balance	1,325	467
Related Allowance	'	'
Average Recorded Investment	1,324	897
Interest Income Recognized	9	89
Impaired Financing Receivables with No Related Allowance | Real Estate | Residential	'	'
Financing Receivable, Impaired	'	'
Recorded Investment	175	180
Unpaid Principal Balance	175	180
Related Allowance	'	'
Average Recorded Investment	178	449
Interest Income Recognized	6	15
Impaired Financing Receivables with No Related Allowance | Real Estate | Commercial	'	'
Financing Receivable, Impaired	'	'
Recorded Investment	924	119
Unpaid Principal Balance	924	119
Related Allowance	'	'
Average Recorded Investment	929	115
Interest Income Recognized	3	7
Impaired Financing Receivables with No Related Allowance | Real Estate | Home equity	'	'
Financing Receivable, Impaired	'	'
Recorded Investment	4	5
Unpaid Principal Balance	4	5
Related Allowance	'	'
Average Recorded Investment	5	6
Impaired Financing Receivables with No Related Allowance | Real Estate | Construction and land development	'	'
Financing Receivable, Impaired	'	'
Recorded Investment	222	163
Unpaid Principal Balance	222	163
Related Allowance	'	'
Average Recorded Investment	212	257
Interest Income Recognized	'	62
Impaired Financing Receivables with No Related Allowance | Real Estate | Commercial and Industrial	'	'
Financing Receivable, Impaired	'	'
Related Allowance	'	'
Average Recorded Investment	'	70
Interest Income Recognized	'	5
Impaired Financing Receivables with Related Allowance	'	'
Financing Receivable, Impaired	'	'
Related Allowance	'	'

Troubled_Debt_Restructuring_De

Troubled Debt Restructuring (Detail) (USD $)	12 Months Ended
	Dec. 31, 2013	Dec. 31, 2012
Financing Receivable, Modifications	'	'
Recorded Investment	$0	$0
Real Estate	'	'
Financing Receivable, Modifications	'	'
Number of Contracts	'	1
Pre-Modification Outstanding Recorded Investment	'	66,000
Post-Modification Outstanding Recorded Investment	'	72,000
Number of Contracts	'	1
Recorded Investment	'	68,000
Real Estate | Residential	'	'
Financing Receivable, Modifications	'	'
Number of Contracts	'	1
Pre-Modification Outstanding Recorded Investment	'	66,000
Post-Modification Outstanding Recorded Investment	'	72,000
Number of Contracts	'	1
Recorded Investment	'	$68,000

Aggregate_Changes_in_Valuation

Aggregate Changes in Valuation Allowance for Mortgage Servicing Rights (Detail) (Mortgage Servicing Rights, USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Mortgage Servicing Rights	'	'
Valuation Allowance for Impairment of Recognized Servicing Assets [Line Items]	'	'
Balance, beginning of year	$9	$5
Additions	86	41
Reductions	-53	-37
Balance, end of year	$42	$9

Premises_and_Equipment_Detail

Premises and Equipment (Detail) (USD $)	Dec. 31, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Property, Plant and Equipment [Line Items]	'	'
Leasehold improvements	$1,370	$1,290
Furniture and equipment	2,968	2,284
Property, Plant and Equipment, Gross, Total	4,338	3,574
Accumulated depreciation and amortization	-2,720	-2,750
Premises and equipment, net	$1,618	$824

Deposits_Additional_Informatio

Deposits - Additional Information (Detail) (USD $)	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2013
			Deposit Amount of one depositor
Deposits [Line Items]	'	'	'
Time deposit accounts in denominations of $100,000 or more	$29,703,000	$31,331,000	'
Total deposits	$358,504,000	$340,409,000	$22,081,000
Concentration risk percentage	'	'	6.16%

Time_Deposits_Scheduled_Maturi

Time Deposits Scheduled Maturities (Detail) (USD $)	Dec. 31, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Time Deposits [Line Items]	'	'
2014	$40,005	'
2015	17,095	'
2016	4,117	'
2017	4,856	'
2018	2,916	'
Total	$68,989	$72,471

Recovered_Sheet2

Federal Home Loan Bank Advances - Additional Information (Detail) (USD $)	Dec. 31, 2013	Dec. 31, 2012
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]	'	'
Amount outstanding from FHLB	$30,000,000	'
Maturity of FHLB advances	'2014-01	'
Line of credit with the FHLB	1,525,000	1,525,000
Amount outstanding	$0	$0

Components_of_Income_Tax_Expen

Components of Income Tax Expense (Detail) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Current:	'	'
Federal	($72)	$541
State	1	2
Current Income Tax Expense (Benefit), Total	-71	543
Deferred:	'	'
Federal	205	164
State	'	'
Deferred income tax expense	205	164
Total income tax expense	$134	$707

Differences_Between_Statutory_

Differences Between Statutory Federal Income Tax Rate and Effective Tax Rates (Detail)	12 Months Ended
	Dec. 31, 2013	Dec. 31, 2012
Reconciliation of Statutory Tax Rate [Line Items]	'	'
Federal income tax at statutory rate	34.00%	34.00%
Increase (decrease) in tax resulting from:	'	'
Tax-exempt income	-23.20%	-9.20%
Other	-0.20%	0.90%
Effective tax rates	10.60%	25.70%

Gross_Deferred_Tax_Assets_and_

Gross Deferred Tax Assets and Gross Deferred Tax Liabilities (Detail) (USD $)	Dec. 31, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Deferred tax assets:	'	'
Allowance for loan losses	$800	$753
Deferred compensation	220	181
Impairment of operating lease	24	39
Write-down of securities	10	4
Restricted stock awards	16	12
Charitable contribution carry over	93	37
Other	80	20
Alternative minimum tax carryforward	413	368
Net unrealized holding loss on available-for-sale securities	853	'
Gross deferred tax assets	2,509	1,414
Deferred tax liabilities:	'	'
Depreciation	-250	-131
Deferred loan costs/fees	-413	-286
Mortgage servicing rights	-481	-280
Net unrealized holding gain on available-for-sale securities	'	-581
Gross deferred tax liabilities	-1,144	-1,278
Net deferred tax asset	$1,365	$136

Income_Tax_Expense_Additional_

Income Tax Expense - Additional Information (Detail) (USD $)	Dec. 31, 2013
Income Taxes [Line Items]	'
Operating loss carryovers	$0

Recovered_Sheet3

Commitments and Contingent Liabilities - Additional Information (Detail) (USD $)	1 Months Ended		12 Months Ended
	Jun. 27, 2013	Nov. 30, 2008	Dec. 31, 2013	Dec. 31, 2012
Commitments and Contingencies Disclosure [Line Items]	'	'	'	'
Total rental expense	'	'	$708,000	$564,000
Data processing servicer agreement, initial term	'	'5 years	'	'
Data processing servicer agreement, automatic extension period	'	'3 years	'	'
Data processing servicer agreement, renewal term	'60 months	'	'	'
Minimum	'	'	'	'
Commitments and Contingencies Disclosure [Line Items]	'	'	'	'
Operating leases expiration date	'	'	'2014-06	'
Maximum	'	'	'	'
Commitments and Contingencies Disclosure [Line Items]	'	'	'	'
Operating leases expiration date	'	'	'2020-09	'

Minimum_Rental_due_in_Future_P

Minimum Rental due in Future Periods (Detail) (USD $)	Dec. 31, 2013
In Thousands, unless otherwise specified
Schedule of Operating Leases [Line Items]	'
2014	$860
2015	767
2016	541
2017	497
2018	508
Thereafter	912
Total	$4,085

Assets_Measured_at_Fair_Value_

Assets Measured at Fair Value on Recurring Basis (Detail) (USD $)	Dec. 31, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis	'	'
Available for Sale Securities	$87,449	$91,820
Significant Other Observable Inputs Level 2	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis	'	'
Available for Sale Securities	87,449	91,820
Fair Value, Measurements, Recurring	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis	'	'
Available for Sale Securities	87,449	91,820
Fair Value, Measurements, Recurring | Debt securities issued by U.S. government corporations and agencies	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis	'	'
Available for Sale Securities	18,247	30,835
Fair Value, Measurements, Recurring | Obligations of states and municipalities	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis	'	'
Available for Sale Securities	13,973	14,551
Fair Value, Measurements, Recurring | Corporate debt securities	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis	'	'
Available for Sale Securities	'	2,053
Fair Value, Measurements, Recurring | Mortgage-backed securities	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis	'	'
Available for Sale Securities	54,568	43,257
Fair Value, Measurements, Recurring | SBA loan pools	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis	'	'
Available for Sale Securities	661	1,124
Fair Value, Measurements, Recurring | Significant Other Observable Inputs Level 2	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis	'	'
Available for Sale Securities	87,449	91,820
Fair Value, Measurements, Recurring | Significant Other Observable Inputs Level 2 | Debt securities issued by U.S. government corporations and agencies	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis	'	'
Available for Sale Securities	18,247	30,835
Fair Value, Measurements, Recurring | Significant Other Observable Inputs Level 2 | Obligations of states and municipalities	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis	'	'
Available for Sale Securities	13,973	14,551
Fair Value, Measurements, Recurring | Significant Other Observable Inputs Level 2 | Corporate debt securities	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis	'	'
Available for Sale Securities	'	2,053
Fair Value, Measurements, Recurring | Significant Other Observable Inputs Level 2 | Mortgage-backed securities	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis	'	'
Available for Sale Securities	54,568	43,257
Fair Value, Measurements, Recurring | Significant Other Observable Inputs Level 2 | SBA loan pools	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis	'	'
Available for Sale Securities	$661	$1,124

Assets_Measured_at_Fair_Value_1

Assets Measured at Fair Value on Nonrecurring Basis (Detail) (USD $)	Dec. 31, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis	'	'
Loans Receivable	$277,539	$239,465
Significant Unobservable Inputs Level 3	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis	'	'
Loans Receivable	277,539	239,465
Fair Value, Measurements, Nonrecurring	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis	'	'
Loans Receivable	'	213
Fair Value, Measurements, Nonrecurring | Real Estate Acquired in Satisfaction of Debt	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis	'	'
Loans Receivable	'	213
Fair Value, Measurements, Nonrecurring | Significant Unobservable Inputs Level 3	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis	'	'
Loans Receivable	'	213
Fair Value, Measurements, Nonrecurring | Significant Unobservable Inputs Level 3 | Real Estate Acquired in Satisfaction of Debt	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis	'	'
Loans Receivable	'	$213

Estimated_Fair_Values_of_Finan

Estimated Fair Values of Financial Instruments Held or Issued for Purposes Other Than Trading (Detail) (USD $)	Dec. 31, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Financial assets:	'	'
Cash and cash equivalents	$38,590	$34,100
Interest-bearing time deposits with other banks	'	3,892
Available-for-sale securities	87,449	91,820
Federal Home Loan Bank stock	2,196	589
Loans held-for-sale	2,909	'
Loans, net	277,539	239,465
Accrued interest receivable	1,074	1,019
Financial liabilities:	'	'
Deposits	358,961	340,857
Securities sold under agreements to repurchase	4,390	3,569
Federal Home Loan Bank advances	30,000	'
Carrying Value	'	'
Financial assets:	'	'
Cash and cash equivalents	38,590	34,100
Interest-bearing time deposits with other banks	'	3,789
Available-for-sale securities	87,449	91,820
Federal Home Loan Bank stock	2,196	589
Loans held-for-sale	2,861	'
Loans, net	276,875	223,290
Accrued interest receivable	1,074	1,019
Financial liabilities:	'	'
Deposits	358,504	340,409
Securities sold under agreements to repurchase	4,390	3,569
Federal Home Loan Bank advances	30,000	'
Quoted Prices in Active Markets for Identical Assets Level 1	'	'
Financial assets:	'	'
Cash and cash equivalents	38,590	34,100
Federal Home Loan Bank stock	2,196	589
Accrued interest receivable	1,074	1,019
Significant Other Observable Inputs Level 2	'	'
Financial assets:	'	'
Interest-bearing time deposits with other banks	'	3,892
Available-for-sale securities	87,449	91,820
Financial liabilities:	'	'
Deposits	358,961	340,857
Securities sold under agreements to repurchase	4,390	3,569
Federal Home Loan Bank advances	30,000	'
Significant Unobservable Inputs Level 3	'	'
Financial assets:	'	'
Loans held-for-sale	2,909	'
Loans, net	$277,539	$239,465

Financial_Instruments_Addition

Financial Instruments - Additional Information (Detail) (USD $)	Dec. 31, 2013	Dec. 31, 2012
Credit Derivatives [Line Items]	'	'
Maximum potential obligation under financial and standby letters of credit	$857,000	$175,000

Notional_Amounts_of_Financial_

Notional Amounts of Financial Instrument Liabilities with Off-Balance-Sheet Credit Risk (Detail) (USD $)	Dec. 31, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Accounts, Notes, Loans and Financing Receivable	'	'
Notional amounts of financial instrument liabilities with off-balance-sheet credit risk	$71,818	$60,034
Derivative Financial Instruments, Liabilities | Commitments to originate loans	'	'
Accounts, Notes, Loans and Financing Receivable	'	'
Notional amounts of financial instrument liabilities with off-balance-sheet credit risk	10,488	13,459
Derivative Financial Instruments, Liabilities | Standby letters of credit	'	'
Accounts, Notes, Loans and Financing Receivable	'	'
Notional amounts of financial instrument liabilities with off-balance-sheet credit risk	857	175
Derivative Financial Instruments, Liabilities | Unadvanced Funds on Existing Loans | Construction and land development	'	'
Accounts, Notes, Loans and Financing Receivable	'	'
Notional amounts of financial instrument liabilities with off-balance-sheet credit risk	5,456	1,778
Derivative Financial Instruments, Liabilities | Unadvanced Funds on Existing Loans | Commercial and Industrial	'	'
Accounts, Notes, Loans and Financing Receivable	'	'
Notional amounts of financial instrument liabilities with off-balance-sheet credit risk	14,265	11,383
Derivative Financial Instruments, Liabilities | Unadvanced Funds on Existing Loans | Consumer	'	'
Accounts, Notes, Loans and Financing Receivable	'	'
Notional amounts of financial instrument liabilities with off-balance-sheet credit risk	677	689
Derivative Financial Instruments, Liabilities | Unadvanced Funds on Existing Loans | Home equity	'	'
Accounts, Notes, Loans and Financing Receivable	'	'
Notional amounts of financial instrument liabilities with off-balance-sheet credit risk	$40,075	$32,550

Related_Party_Transactions_Add

Related Party Transactions - Additional Information (Detail) (USD $)	12 Months Ended
	Dec. 31, 2013	Dec. 31, 2012
Related Party Transaction [Line Items]	'	'
Loan receivable from related parties	$3,889,000	'
Loans to related parties, principal payments	2,227,000	'
Loans to related parties, advances	2,172,000	'
Deposits from related parties	6,076,000	4,669,000
Related party transaction, payment for rent	63,000	64,000
Related party transaction, rent expense	$43,000	$43,000

Other_Comprehensive_loss_Incom

Other Comprehensive (loss) Income (Detail) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Other Comprehensive Income (Loss) [Line Items]	'	'
Net unrealized holding (loss) gain on available-for-sale securities	($4,108)	$736
Reclassification adjustment for realized gains in net income	-109	-113
Other comprehensive (loss) income before income tax effect	-4,217	623
Income tax benefit (expense)	1,434	-212
Other comprehensive (loss) income, net of tax	($2,783)	$411

Accumulated_Other_Comprehensiv

Accumulated Other Comprehensive Income (Detail) (USD $)	Dec. 31, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Accumulated Other Comprehensive Income (Loss) [Line Items]	'	'
Net unrealized (loss) gain on securities available-for-sale, net of tax	($1,655)	$1,128
Total accumulated other comprehensive (loss) income	($1,655)	$1,128

Bank_Actual_Capital_Amounts_an

Bank Actual Capital Amounts and Ratios (Detail) (USD $)	Dec. 31, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]	'	'
Total Capital (to Risk Weighted Assets)	$31,433	$30,637
Tier 1 Capital (to Risk Weighted Assets)	28,641	28,043
Tier 1 Capital (to Average Assets)	28,641	28,043
Total Capital (to Risk Weighted Assets)	13.08%	14.68%
Tier 1 Capital (to Risk Weighted Assets)	11.92%	13.44%
Tier 1 Capital (to Average Assets)	7.09%	7.73%
Total Capital (to Risk Weighted Assets)	19,227	16,694
Tier 1 Capital (to Risk Weighted Assets)	9,613	8,347
Tier 1 Capital (to Average Assets)	16,150	14,520
Total Capital (to Risk Weighted Assets)	24,033	20,868
Tier 1 Capital (to Risk Weighted Assets)	14,420	12,521
Tier 1 Capital (to Average Assets)	$20,188	$18,150
Minimum	'	'
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]	'	'
Total Capital (to Risk Weighted Assets)	8.00%	8.00%
Tier 1 Capital (to Risk Weighted Assets)	4.00%	4.00%
Tier 1 Capital (to Average Assets)	4.00%	4.00%
Total Capital (to Risk Weighted Assets)	10.00%	10.00%
Tier 1 Capital (to Risk Weighted Assets)	6.00%	6.00%
Tier 1 Capital (to Average Assets)	5.00%	5.00%

Regulatory_Matter_Additional_I

Regulatory Matter - Additional Information (Detail) (Maximum, USD $)	Dec. 31, 2013
Maximum	'
Regulatory Matters [Line Items]	'
Maximum dividend that can be declared	$3,063,000

Employee_Benefits_Additional_I

Employee Benefits - Additional Information (Detail) (USD $)	12 Months Ended
	Dec. 31, 2013	Dec. 31, 2012
	Age
Deferred Compensation Arrangement with Individual, Postretirement Benefits [Line Items]	'	'
401(k) savings and retirement plan, eligibility age	21	'
401(k) savings and retirement plan, required service period for eligibility	'90 days	'
401(k) savings and retirement plan, expense	$125,000	$105,000
Supplemental Executive Retirement Agreements, total liability	648,000	533,000
Supplemental Executive Retirement Agreements, expenses	142,000	170,000
Supplemental Executive Retirement Agreements, benefits paid	$27,000	$5,000
Employment agreements, Executive Officers required service period	'2 years	'

Recovered_Sheet4

Stock Based Compensation Plans - Additional Information (Detail) (USD $)	12 Months Ended
	Dec. 31, 2013	Dec. 31, 2012
Share-based Compensation Arrangement by Share-based Payment Award	'	'
Stock option , expiry period	'10 years	'
Stock based compensation	$156,000	$82,000
Stock options granted	0	0
Number of shares vested during year	0	0
Restricted Stock	'	'
Share-based Compensation Arrangement by Share-based Payment Award	'	'
Stock granted, shares	10,000	10,570
Stock granted, value	234,000	251,000
Stock granted, value per share	$23.40	$23.75
Stock granted, vesting period	'3 years	'
Stock based compensation	156,000	82,000
Recognized tax benefit related to stock based compensation	53,000	28,000
Unrecognized share based compensation	$401,000	'
Unrecognized share based compensation weighted average period of recognition	'1 year 8 months 12 days	'
Minimum	'	'
Share-based Compensation Arrangement by Share-based Payment Award	'	'
Incentive Stock Options, exercise price as a percentage of fair market value of common stock on date of grant	100.00%	'
Stock Incentive Plan 1998	'	'
Share-based Compensation Arrangement by Share-based Payment Award	'	'
Stock Plan, shares authorized for grant	142,000	'
Stock Incentive Plan 2011	'	'
Share-based Compensation Arrangement by Share-based Payment Award	'	'
Stock Plan, shares authorized for grant	100,000	'

Status_of_Restricted_Stock_Awa

Status of Restricted Stock Awards and Changes During Years (Detail) (Restricted Stock, USD $)	12 Months Ended
	Dec. 31, 2013	Dec. 31, 2012
Restricted Stock	'	'
Fixed Options	'	'
Non-vested restricted stock awards at beginning of year	18,042	11,206
Restricted shares granted	10,000	10,570
Shares vested	-6,536	-3,734
Shares forfeited	-1,982	'
Non-vested restricted stock awards at end of year	19,524	18,042
Fixed Options	'	'
Non-vested restricted stock awards at beginning of year	$22.29	$20.21
Restricted shares granted	$23.39	$23.75
Shares vested	$21.88	$20.21
Shares forfeited	$22.62	'
Non-vested restricted stock awards at end of year	$22.95	$22.29

Equity_Plans_Detail

Equity Plans (Detail) (USD $)	12 Months Ended
	Dec. 31, 2013	Dec. 31, 2012
Number of Shares	'	'
Outstanding at beginning of year	31,500	32,811
Forfeited	'	-1,311
Outstanding at end of year	31,500	31,500
Options exercisable at year-end	31,500	31,500
Weighted-average fair value of options granted during the year	'	'
Weighted-Average Exercise Price per Share	'	'
Outstanding at beginning of year	$30.67	$30.07
Forfeited	'	$15.65
Outstanding at end of year	$30.67	$30.67
Options exercisable at year-end	$30.67	$30.67

Fixed_Stock_Option_Outstanding

Fixed Stock Option Outstanding (Detail) (USD $)	12 Months Ended
	Dec. 31, 2013
Exercise Price 1	'
Share-based Compensation Arrangement by Share-based Payment Award	'
Exercise Price	$31.50
Number Outstanding	21,000
Weighted-Average Remaining Contractual Life	'1 year 11 months 19 days
Number Exercisable	21,000
Exercise Price	$31.50
Exercise Price 2	'
Share-based Compensation Arrangement by Share-based Payment Award	'
Exercise Price	$29
Number Outstanding	10,500
Weighted-Average Remaining Contractual Life	'2 years 5 months 23 days
Number Exercisable	10,500
Exercise Price	$29
Exercise Price 3	'
Share-based Compensation Arrangement by Share-based Payment Award	'
Exercise Price	$30.67
Number Outstanding	31,500
Weighted-Average Remaining Contractual Life	'2 years 1 month 21 days
Number Exercisable	31,500
Exercise Price	$30.67

Earnings_Per_Common_Share_Deta

Earnings Per Common Share (Detail) (USD $)	12 Months Ended
In Thousands, except Share data, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Basic earnings per share computation:	'	'
Net income	$1,135	$2,044
Preferred stock net accretion	-12	-12
Cumulative preferred stock dividends	-94	-134
Net income available to common shareholders	1,029	1,898
Weighted average shares outstanding, basic	872,411	867,087
Basic earnings per share	$1.18	$2.19
Diluted earnings per share computation:	'	'
Net income	1,135	2,044
Preferred stock net accretion	-12	-12
Cumulative preferred stock dividends	-94	-134
Net income available to common shareholders	$1,029	$1,898
Weighted average shares outstanding, before dilution	872,411	867,087
Dilutive potential shares	4,576	5,119
Weighted average shares outstanding, assuming dilution	876,987	872,206
Diluted earnings per share	$1.17	$2.18

Preferred_Stock_Additional_Inf

Preferred Stock - Additional Information (Detail) (USD $)	1 Months Ended	12 Months Ended
	Aug. 31, 2011	Dec. 31, 2013	Aug. 11, 2011
Class of Stock [Line Items]	'	'	'
Fund established under Small Business Jobs Act of 2010	'	'	$30,000,000,000
Assets of qualified community banks under Small Business Jobs Act of 2010	'	'	10,000,000,000
Quarterly lending incentive fee	'	0.50%	'
Tier 1 Dividend Threshold reduction for each one percent increase in QSBL	'	10.00%	'
SBLF Preferred Stock	'	'	'
Class of Stock [Line Items]	'	'	'
Stock issued, shares	9,000	'	'
Preferred stock, liquidation value	'	'	$1,000
Stock issued, total purchase price	$9,000,000	'	'
Preferred stock, redemption price	'	100.00%	'
SBLF Preferred Stock | First Quarter	'	'	'
Class of Stock [Line Items]	'	'	'
Preferred Stock, dividend rate	'	1.00%	'
SBLF Preferred Stock | Second Through Ninth Quarter | Minimum	'	'	'
Class of Stock [Line Items]	'	'	'
Preferred Stock, dividend rate	'	1.00%	'
SBLF Preferred Stock | Second Through Ninth Quarter | Maximum	'	'	'
Class of Stock [Line Items]	'	'	'
Preferred Stock, dividend rate	'	5.00%	'
SBLF Preferred Stock | Tenth Quarter Through Four and One Half Years | Minimum	'	'	'
Class of Stock [Line Items]	'	'	'
Preferred Stock, dividend rate	'	1.00%	'
SBLF Preferred Stock | Tenth Quarter Through Four and One Half Years | Maximum	'	'	'
Class of Stock [Line Items]	'	'	'
Preferred Stock, dividend rate	'	7.00%	'
SBLF Preferred Stock | There After	'	'	'
Class of Stock [Line Items]	'	'	'
Preferred Stock, dividend rate	'	9.00%	'