SBT Bancorp (SBTB) 10-Q 14 Nov 14 2014 Q3 Quarterly report Financial data

Document_And_Entity_Informatio

Document And Entity Information	9 Months Ended
	Sep. 30, 2014	Oct. 31, 2014
Document and Entity Information [Abstract]	'	'
Entity Registrant Name	'SBT Bancorp, Inc.	'
Document Type	'10-Q	'
Current Fiscal Year End Date	'--12-31	'
Entity Common Stock, Shares Outstanding	'	901,211
Amendment Flag	'false	'
Entity Central Index Key	'0001354174	'
Entity Current Reporting Status	'Yes	'
Entity Filer Category	'Smaller Reporting Company	'
Document Period End Date	30-Sep-14	'
Document Fiscal Year Focus	'2014	'
Document Fiscal Period Focus	'Q3	'

Condensed_Consolidated_Balance

Condensed Consolidated Balance Sheets (Current Period Unaudited) (USD $)	Sep. 30, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
ASSETS	'	'
Cash and due from banks	$8,535	$13,355
Interest-bearing deposits with the Federal Reserve Bank and Federal Home Loan Bank	13,599	24,165
Money market mutual funds	486	346
Federal funds sold	53	724
Cash and cash equivalents	22,673	38,590
Investments in available-for-sale securities (at fair value)	85,051	87,449
Federal Home Loan Bank stock, at cost	1,260	2,196
Loans held-for-sale	7,140	2,861
Loans	282,593	279,667
Less allowance for loan losses	2,761	2,792
Loans, net	279,832	276,875
Premises and equipment, net	1,517	1,618
Accrued interest receivable	1,020	1,074
Other real estate owned	130	'
Bank owned life insurance	7,130	6,729
Other assets	4,613	4,456
Total assets	410,366	421,848
Deposits:	'	'
Demand deposits	100,685	116,015
Savings and NOW deposits	211,843	173,500
Time deposits	63,612	68,989
Total deposits	376,140	358,504
Securities sold under agreements to repurchase	3,845	4,390
Federal Home Loan Bank advances	'	30,000
Other liabilities	1,591	1,558
Total liabilities	381,576	394,452
Stockholders' equity:	'	'
Common stock, no par value; authorized 2,000,000 shares; issued and outstanding 901,625 shares and 901,211 shares, respectively, at September 30, 2014 and 900,264 shares and 899,850 shares, respectively, at December 31, 2013	10,116	10,136
Retained earnings	10,345	10,347
Treasury stock, 414 shares	-7	-7
Unearned compensation-restricted stock awards	-235	-401
Accumulated other comprehensive loss	-414	-1,655
Total stockholders' equity	28,790	27,396
Total liabilities and stockholders' equity	410,366	421,848
Series C Preferred Stock, Senior, Non-Cumulative Perpetual [Member]	'	'
Stockholders' equity:	'	'
Preferred stock, senior non-cumulative perpetual, Series C, no par; 9,000 shares issued and outstanding at September 30, 2014 and December 31, 2013; liquidation value of $1,000 per share	$8,985	$8,976

Condensed_Consolidated_Balance1

Condensed Consolidated Balance Sheets (Current Period Unaudited) (Parentheticals) (USD $)	Sep. 30, 2014	Dec. 31, 2013
Common stock, par value (in Dollars per share)	$0	$0
Common stock, shares authorized shares	2,000,000	2,000,000
Common stock, shares issued	901,625	900,264
Common stock, shares outstanding	901,211	899,850
Treasury stock, shares	414	414
Series C Preferred Stock, Senior, Non-Cumulative Perpetual [Member]	'	'
Preferred stock, par value (in Dollars per share)	$0	$0
Preferred stock, shares issued	9,000	9,000
Preferred stock shares outstanding	9,000	9,000
Preferred stock, liquidation value per share (in Dollars per share)	$1,000	$1,000

Condensed_Consolidated_Stateme

Condensed Consolidated Statements of Income (Unaudited) (USD $)	3 Months Ended		9 Months Ended
In Thousands, except Share data, unless otherwise specified	Sep. 30, 2014	Sep. 30, 2013	Sep. 30, 2014	Sep. 30, 2013
Interest and dividend income:	'	'	'	'
Interest and fees on loans	$2,599	$2,541	$7,753	$7,195
Investment securities	431	522	1,351	1,612
Federal funds sold and overnight deposits	28	8	60	29
Total interest and dividend income	3,058	3,071	9,164	8,836
Interest expense:	'	'	'	'
Deposits	213	219	647	655
Federal Home Loan Bank advances	1	'	3	8
Repurchase agreements	2	7	9	3
Total interest expense	216	226	659	666
Net interest and dividend income	2,842	2,845	8,505	8,170
Provision for loan losses	25	120	55	230
Net interest and dividend income after provision for loan losses	2,817	2,725	8,450	7,940
Noninterest income:	'	'	'	'
Service charges on deposit accounts	119	118	353	368
(Loss) gain on sales and writedowns of available-for-sale securities, net	'	-6	96	98
Other service charges and fees	173	116	556	479
Increase in cash surrender value of life insurance policies	55	51	151	159
Gain on loans sold and commission fee income	261	111	382	1,203
Investment services fees and commissions	43	87	172	172
Other income	16	9	74	8
Total noninterest income	667	486	1,784	2,487
Noninterest expense:	'	'	'	'
Salaries and employee benefits	1,564	1,631	5,140	5,088
Occupancy expense	363	290	1,030	849
Equipment expense	112	69	340	188
Advertising and promotions	177	235	461	593
Forms and supplies	45	42	139	109
Professional fees	167	134	377	386
Directorsb fees	65	62	196	187
Correspondent charges	42	77	173	242
Postage	'	23	31	66
FDIC assessment	80	64	285	119
Data processing	170	156	490	434
Other expenses	388	377	1,187	939
Total noninterest expense	3,173	3,160	9,849	9,200
Income before income taxes	311	51	385	1,227
Income tax provision (benefit)	53	-34	-66	224
Net income	258	85	451	1,003
Net income available to common stockholders	$233	$56	$375	$923
Weighted average shares outstanding, basic (in Shares)	883,998	871,055	882,158	870,695
Earnings per common share, basic (in Dollars per share)	$0.26	$0.06	$0.42	$1.06
Weighted average shares outstanding, assuming dilution (in Shares)	888,335	877,916	886,694	876,185
Earnings per common share, assuming dilution (in Dollars per share)	$0.26	$0.06	$0.42	$1.05

Condensed_Consolidated_Stateme1

Condensed Consolidated Statements of Comprehensive Income (Unaudited) (USD $)	3 Months Ended		9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2014	Sep. 30, 2013	Sep. 30, 2014	Sep. 30, 2013
Net income	$258	$85	$451	$1,003
Other comprehensive (loss) income, net of tax:	'	'	'	'
Net change in unrealized holding gain/loss on securities available-for-sale	-250	-6	1,977	-3,241
Reclassification adjustment for net realized losses (gains) in net income	'	6	-96	-98
Other comprehensive (loss) income, before tax	-250	'	1,881	-3,339
Income tax benefit (expense) related to items of other comprehensive (loss) income	85	'	-640	1,136
Other comprehensive (loss) income, net of tax	-165	'	1,241	-2,203
Comprehensive income (loss)	$93	$85	$1,692	($1,200)

Condensed_Consolidated_Stateme2

Condensed Consolidated Statements of Changes in Stockholders' Equity (Unaudited) (USD $)	Series C Preferred Stock [Member]	Common Stock [Member]	Treasury Stock [Member]	Retained Earnings [Member]	Unallocated Employee Stock Ownership Plan [Member]	Accumulated Other Comprehensive Income (Loss) [Member]	Total
In Thousands
Balance at Dec. 31, 2012	$8,964	$9,901	($7)	$9,819	($368)	$1,128	$29,437
Net income	'	'	'	1,003	'	'	1,003
Other comprehensive loss, net of tax	'	'	'	'	'	-2,203	-2,203
Preferred stock dividend-SBLF	'	'	'	-71	'	'	-71
Preferred stock amortization (accretion)	9	'	'	-9	'	'	'
Stock based compensation	'	'	'	'	117	'	117
Dividends declared common stock	'	'	'	-376	'	'	-376
Common stock issued	'	28	'	'	'	'	28
Balance at Sep. 30, 2013	8,973	9,929	-7	10,366	-251	-1,075	27,935
Balance at Dec. 31, 2013	8,976	10,136	-7	10,347	-401	-1,655	27,396
Net income	'	'	'	451	'	'	451
Other comprehensive loss, net of tax	'	'	'	'	'	1,241	1,241
Preferred stock dividend-SBLF	'	'	'	-67	'	'	-67
Preferred stock amortization (accretion)	9	'	'	-9	'	'	'
Stock based compensation	'	'	'	'	117	'	117
Dividends declared common stock	'	'	'	-377	'	'	-377
Forfeited restricted stock awards	'	-90	'	'	90	'	'
Restricted stock awards	'	41	'	'	-41	'	'
Common stock issued	'	29	'	'	'	'	29
Balance at Sep. 30, 2014	$8,985	$10,116	($7)	$10,345	($235)	($414)	$28,790

Condensed_Consolidated_Stateme3

Condensed Consolidated Statements of Cash Flows (Unaudited) (USD $)	9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2014	Sep. 30, 2013
Cash flows from operating activities:	'	'
Net income	$451	$1,003
Adjustments to reconcile net income to net cash (used in) provided by operating activities:	'	'
Interest capitalized on interest-bearing time deposits with other banks	'	-100
Amortization of securities, net	301	482
Amortization of mortgage servicing rights	285	185
Writedown of available-for-sale securities	7	14
Gain on sales of available-for-sale securities	-103	-112
Change in deferred loan origination costs, net	-79	-295
Provision for loan losses	55	230
Loans originated for sale	-28,920	-55,814
Proceeds from sales of loans	24,979	56,728
Gains on sales of loans	-338	-914
Writedown on other real estate owned	25	96
Loss on sale of other real estate owned	1	'
Depreciation and amortization	294	163
Accretion on impairment of operating lease	-33	-22
Increase in other assets	-953	-195
Decrease in interest receivable	54	18
(Increase) decrease in taxes receivable	-67	154
Increase in cash surrender value of bank owned life insurance	-151	-159
Stock-based compensation	117	117
Increase (decrease) in other liabilities	14	-288
Increase in interest payable	49	19
Net cash (used in) provided by operating activities	-4,012	1,309
Cash flows from investing activities:	'	'
Maturities and redemptions of interest-bearing time deposits with other banks	'	1,075
Redemption (purchases) of Federal Home Loan Bank stock	936	-1,218
Purchases of available-for-sale securities	-3,011	-35,184
Proceeds from maturities of available-for-sale securities	5,946	21,373
Proceeds from sales of available-for-sale securities	1,139	5,649
Loan originations and principal collections, net	8,283	-36,762
Loans purchased	-11,925	-4,925
Recoveries of loans previously charged off	14	6
Proceeds from sale of other real estate owned	539	'
Premium paid on bank owned life insurance	-250	'
Capital expenditures	-255	-909
Net cash provided by (used in) investing activities	1,416	-50,895
Cash flows from financing activities:	'	'
Net increase in demand deposits, NOW and savings accounts	23,013	24,063
Decrease in time deposits	-5,377	-657
Net (decrease) increase in securities sold under agreements to repurchase	-545	362
(Paydown of) proceeds from Federal Home Loan Bank advances	-30,000	10,000
Proceeds from issuance of common stock	29	28
Dividends paid - preferred stock	-67	-71
Dividends paid - common stock	-374	-363
Net cash (used in) provided by financing activities	-13,321	33,362
Net decrease in cash and cash equivalents	-15,917	-16,224
Cash and cash equivalents at beginning of period	38,590	34,100
Cash and cash equivalents at end of period	22,673	17,876
Supplemental disclosures:	'	'
Interest paid	610	647
Income taxes paid	1	70
Loans transferred to other real estate owned	$695	'

Note_1_Basis_of_Presentation

Note 1 - Basis of Presentation	9 Months Ended
	Sep. 30, 2014
Disclosure Text Block [Abstract]	'
Basis of Accounting [Text Block]	'
	NOTE 1 – BASIS OF PRESENTATION
	The accompanying unaudited condensed consolidated financial statements have been prepared in accordance with generally accepted accounting principles for interim financial statements and the instructions to Form 10-Q and, accordingly, do not include all of the information and footnotes required by generally accepted accounting principles for complete financial statements. In the opinion of management, the accompanying unaudited condensed consolidated financial statements reflect all necessary adjustments, consisting of only normal recurring accruals, to present fairly the financial position, results of operations, cash flows and changes in stockholders’ equity of SBT Bancorp, Inc. (the “Company”) for the periods presented. The Company’s only business is its investment in The Simsbury Bank & Trust Company, Inc. (the “Bank”), which is a community-oriented financial institution providing a variety of banking and investment services. In preparing the interim financial statements, management is required to make estimates and assumptions that affect the reported amounts of assets and liabilities as of the date of the balance sheet and revenues and expenses for the period. Actual results could differ significantly from those estimates. The interim results of operations are not necessarily indicative of the results to be expected for the full year ending December 31, 2014.
	While management believes that the disclosures presented are adequate so as to not make the information misleading, it is suggested that these condensed consolidated financial statements be read in conjunction with the financial statements and notes included in the Company’s Form 10-K for the year ended December 31, 2013.

Note_2_Stockbased_Compensation

Note 2 - Stock-based Compensation	9 Months Ended
	Sep. 30, 2014
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]	'
Disclosure of Compensation Related Costs, Share-based Payments [Text Block]	'
	NOTE 2 – STOCK-BASED COMPENSATION
	At September 30, 2014, the Company maintained a stock-based employee compensation plan. The Company recognizes the cost resulting from all share-based payment transactions in the consolidated financial statements and establishes fair value as the measurement objective in accounting for share-based payment arrangements. During the nine months ended September 30, 2014, the Company recognized $117 thousand in stock-based employee compensation expense. During the nine months ended September 30, 2013, the Company recognized $117 thousand in stock-based employee compensation expense.

Note_3_Recent_Accounting_Prono

Note 3 - Recent Accounting Pronouncements	9 Months Ended
	Sep. 30, 2014
Accounting Changes and Error Corrections [Abstract]	'
Accounting Changes and Error Corrections [Text Block]	'
	NOTE 3 – RECENT ACCOUNTING PRONOUNCEMENTS
	In January 2014, the Financial Accounting Standards Board “FASB” issued Accounting Standards Update (“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. 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 2014-04, “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 (i) the creditor obtaining legal title to the residential real estate property upon completion of a foreclosure or (ii) 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 (i) the amount of foreclosed residential real estate property held by the creditor and (ii) 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 annual periods, and interim periods within those annual periods, beginning after December 15, 2014. 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 anticipates that the adoption of this guidance will not have a material impact on its consolidated financial statements.
	In April 2014, the FASB issued ASU 2014-08, “Presentation of Financial Statements (Topic 205) and Property, Plant, and Equipment (Topic 360): Reporting Discontinued Operations and Disclosures of Disposals of Components of an Entity.” This ASU changes the criteria for reporting discontinued operations and modifies related disclosure requirements. The new guidance is effective on a prospective basis for fiscal years beginning on or after December 15, 2014, and interim periods within those years. The Company anticipates that the adoption of this guidance will not have a material impact on its consolidated financial statements.
	In May 2014, the FASB issued ASU 2014-09, “Revenue from Contracts with Customers (Topic 606).” The objective of this ASU was to clarify principles for recognizing revenue and to develop a common revenue standard for GAAP and International Financial Reporting Standards. The guidance in this ASU affects any entity that either enters into contracts with customers to transfer goods or services or enters into contracts for the transfer of nonfinancial assets unless those contracts are within the scope of other standards. The core principal of the guidance is that an entity should recognize revenue to depict the transfer of promised goods or services to customers in an amount that reflects the consideration to which the entity expects to be entitled in exchange for those goods or services. The amendments in this update are effective for annual reporting periods beginning after December 15, 2016, including interim periods within that reporting period. Early application is not permitted. The Company is currently reviewing this ASU to determine if it will have an impact on its consolidated financial statements.
	In June 2014, the FASB issued ASU 2014-11, “Transfers and Servicing (Topic 860):  Repurchase-to-Maturity Transactions, Repurchase Financings, and Disclosures.” The amendments in this ASU require two accounting changes. First, the amendments in this ASU change the accounting for repurchase-to-maturity transactions to secured borrowing accounting. Second, for repurchase financing arrangements, the amendments require separate accounting for a transfer of a financial asset executed contemporaneously with a repurchase agreement with the same counterparty, which will result in secured borrowing accounting for the repurchase agreement. This ASU also includes new disclosure requirements. The accounting changes in this Update are effective for public business entities for the first interim or annual period beginning after December 15, 2014. An entity is required to present changes in accounting for transactions outstanding on the effective date as a cumulative-effect adjustment to retained earnings as of the beginning of the period of adoption. Earlier application for a public business entity is prohibited. The Company is currently reviewing this ASU to determine if it will have an impact on its consolidated financial statements.
	In June 2014, the FASB issued ASU 2014-12, “Compensation - Stock Compensation (Topic 718):  Accounting for Share-Based Payments When the Terms of an Award Provide That a Performance Target Could be Achieved after the Requisite Service Period.” The amendments in this ASU require that a performance target that affects vesting and that could be achieved after the requisite service period be treated as a performance condition. A reporting entity should apply existing guidance in Topic 718 as it relates to awards with performance conditions that affect vesting to account for such awards. This ASU is effective for annual periods, and interim periods within those annual periods, beginning after December 15, 2015. Earlier adoption is permitted. ASU 2014-12 may be adopted either (a) prospectively to all awards granted or modified after the effective date or (b) retrospectively to all awards with performance targets that are outstanding as of the beginning of the earliest annual period presented in the financial statements, and to all new or modified awards thereafter. If retrospective transition is adopted, the cumulative effect of applying this update as of the beginning of the earliest annual period presented in the financial statements should be recognized as an adjustment to the opening retained earnings balance at that date. The Company does not anticipate that the adoption of this ASU will have a material impact on its consolidated financial statements.
	In August 2014, the FASB issued ASU 2014-13, “Consolidation (Topic 810): Measuring the Financial Assets and the Financial Liabilities of a Consolidated Collateralized Financing Entity.” This ASU applies to entities that meet the following criteria:
		1	they are required to consolidate a collateralized entity under the Variable Interest Entities guidance;
		2	they measure all of the financial assets and the financial liabilities of that consolidated collateralized financing entity at fair value in the consolidated financial statements based on other FASB rules; and
		3	those changes in fair value are reflected in earnings.
	Under ASU 2014-13, entities that meet these criteria are provided an alternative under which they can choose to eliminate the difference between the fair value of financial assets and financial liabilities of a consolidated collateralized financing entity. If that alternative is not elected, then ASU 2014-13 indicates that the fair value of the financial assets and the fair value of the financial liabilities of the consolidated collateralized financing entity should be measured in accordance with ASC 820, “Fair Value Measurement,” and differences between the fair value of the financial assets and the financial liabilities of that consolidated collateralized financing entity should be reflected in earnings and attributed to the reporting entity in the consolidated statement of income or loss. The amendments in this ASU are effective for annual periods, and interim periods within those annual periods, beginning after December 15, 2015. The Company anticipates that the adoption of this ASU will not have a material impact on its consolidated financial statements.
	In August 2014, the FASB issued ASU 2014-14, “Receivables - Troubled Debt Restructurings by Creditors (Subtopic 310-40): Classification of Certain Government - Guaranteed Mortgage Loans upon Foreclosure.” The amendments in this ASU require that a mortgage loan be derecognized and that a separate other receivable be recognized upon foreclosure if the following conditions are met:
		1	the loan has a government guarantee that is not separable from the loan before foreclosure;
		2	at the time of foreclosure, the creditor has the intent to convey the real estate property to the guarantor and make a claim on the guarantee, and the creditor has the ability to recover under that claim; and
		3	at the time of foreclosure, any amount of the claim that is determined on the basis of the fair value of the real estate is fixed.
	Upon foreclosure, the separate other receivable should be measured based on the amount of the loan balance (principal and interest) expected to be recovered from the guarantor. The amendments in this ASU are effective for annual periods, and interim periods within those annual periods, beginning after December 15, 2014. The Company anticipates that the adoption of this ASU will not have a material impact on its consolidated financial statements.

Note_4_Fair_Value_Measurements

Note 4 - Fair Value Measurements	9 Months Ended
	Sep. 30, 2014
Fair Value Disclosures [Abstract]	'
Fair Value Disclosures [Text Block]	'
	NOTE 4 – FAIR VALUE MEASUREMENT DISCLOSURES
	In accordance with ASC 820, the Company groups its financial assets and 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 Inputs – Unadjusted quoted prices in active markets for identical assets or liabilities that are available at the measurement date.
	Level 2 Inputs – Inputs other than quoted prices included within Level 1 that are observable for the assets or liabilities, either directly or indirectly. These might include quoted prices for similar assets or liabilities in active markets, quoted prices for identical or similar assets or liabilities in markets that are not active, inputs other than quoted prices that are observable for the assets or liabilities (such as interest rates, volatilities, prepayment speeds, credit risks, etc.) or inputs that are derived principally from or corroborated by market data by correlation or other means.
	Level 3 Inputs – Unobservable inputs for determining the fair value of the assets or liabilities that are based on the entity’s own assumption about the assumptions that market participants would use to price the assets or liabilities.
	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 liabilities carried at fair value for September 30, 2014 and December 31, 2013. The Company did not have any significant transfers of assets or liabilities to and from Levels 1 and 2 of the fair value hierarchy during the nine months ended September 30, 2014.
	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.
	Loans held-for-sale: Fair values for the 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.
	The Company’s fair values of loans and deposits, as reported in this footnote, are classified within level 3 of the fair value hierarchy. Fair values for these assets and liabilities are based on management estimates derived from revaluing these securities at prevailing current interest rates.
	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 at September 30, 2014 and December 31, 2013.
	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
		(Dollars In Thousands)
	September 30, 2014:
	Debt securities issued by U.S. government corporations and agencies	$	18,543	$	-	$	18,543	$	-
	Obligations of states and municipalities		16,021		-		16,021		-
	Mortgage-backed securities		49,962		-		49,962		-
	SBA loan pools		525		-		525		-
		$	85,051	$	-	$	85,051	$	-
	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		-
		$	87,449	$	-	$	87,449	$	-
	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
		(Dollars In Thousands)
	September 30, 2014:
	Other real estate owned	$	130	$	-	$	-	$	130
		$	130	$	-	$	-	$	130
	The estimated fair values of the Company’s financial instruments, all of which are held or issued for purposes other than trading, were as follows as of September 30, 2014 and December 31, 2013:
		30-Sep-14
		Carrying		Fair Value
		Amount		Level 1		Level 2		Level 3		Total
		(Dollars in thousands)
	Financial assets:
	Cash and cash equivalents	$	22,673	$	22,673	$	-	$	-	$	22,673
	Available-for-sale securities		85,051		-		85,051		-		85,051
	Federal Home Loan Bank stock		1,260		1,260		-		-		1,260
	Loans held-for-sale		7,140		-		-		7,247		7,247
	Loans, net		279,832		-		-		286,942		286,942
	Accrued interest receivable		1,020		1,020		-		-		1,020
	Financial liabilities:
	Deposits		376,140		-		376,472		-		376,472
	Securities sold under agreements to repurchase		3,845		-		3,845		-		3,845
		31-Dec-13
		Carrying		Fair Value
		Amount		Level 1		Level 2		Level 3		Total
		(Dollars 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

Note_5_Earnings_Per_Common_Sha

Note 5 - Earnings Per Common Share	9 Months Ended
	Sep. 30, 2014
Earnings Per Share [Abstract]	'
Earnings Per Share [Text Block]	'
	NOTE 5 – EARNINGS PER COMMON SHARE
	Basic earnings per common share (“EPS”) excludes dilution and is computed by dividing net income available 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 share in the earnings of the entity.
	The following information was used in the computation of EPS on both a basic and diluted basis for the three and nine months ended September 30, 2014 and September 30, 2013:
		For the three months ended
		9/30/14			9/30/13
		(In Thousands, Except Share and Per Share Data)
	Basic earnings per share computation:
	Net income	$	258		$	85
	Preferred stock net accretion		(3	)		(3	)
	Cumulative preferred stock dividends		(22	)		(26	)
	Net income available to common stockholders	$	233		$	56
	Weighted average shares outstanding, basic		883,998			871,055
	Basic earnings per share	$	0.26		$	0.06
	Diluted earnings per share computation:
	Net income	$	258		$	85
	Preferred stock net accretion		(3	)		(3	)
	Cumulative preferred stock dividends		(22	)		(26	)
	Net income available to common stockholders	$	233		$	56
	Weighted average shares outstanding, before dilution		883,998			871,055
	Dilutive potential shares		4,337			6,861
	Weighted average shares outstanding, assuming dilution		888,335			877,916
	Diluted earnings per share	$	0.26		$	0.06
		For the nine months ended
		9/30/14			9/30/13
		(In Thousands, Except Share and Per Share Data)
	Basic earnings per share computation:
	Net income	$	451		$	1,003
	Preferred stock net accretion		(9	)		(9	)
	Cumulative preferred stock dividends		(67	)		(71	)
	Net income available to common stockholders	$	375		$	923
	Weighted average shares outstanding, basic		882,158			870,695
	Basic earnings per share	$	0.42		$	1.06
	Diluted earnings per share computation:
	Net income	$	451		$	1,003
	Preferred stock net accretion		(9	)		(9	)
	Cumulative preferred stock dividends		(67	)		(71	)
	Net income available to common stockholders	$	375		$	923
	Weighted average shares outstanding, before dilution		882,158			870,695
	Dilutive potential shares		4,536			5,490
	Weighted average shares outstanding, assuming dilution		886,694			876,185
	Diluted earnings per share	$	0.42		$	1.05

Note_6_Investment_Securities

Note 6 - Investment Securities	9 Months Ended
	Sep. 30, 2014
Investments, Debt and Equity Securities [Abstract]	'
Investments in Debt and Marketable Equity Securities (and Certain Trading Assets) Disclosure [Text Block]	'
	NOTE 6 – INVESTMENT SECURITIES
	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, and are not other than temporarily impaired, were as follows:
			Less than 12 Months				12 Months or Longer				Total
			Fair		Unrealized		Fair		Unrealized		Fair			Unrealized
			Value		Losses		Value		Losses		Value			Losses
			(Dollars in thousands)
	30-Sep-14
	Debt securities issued by U.S. government corporations and agencies	$	1,060	$	3	$	17,483	$	219	$	18,543		$	222
	Obligations of states and municipalities		1,014		24		1,757		56		2,771			80
	Mortgage-backed securities		3,292		15		39,741		1,178		43,033			1,193
	Total temporarily impaired securities		5,366		42		58,981		1,453		64,347			1,495
	Other-than-temporarily impaired securities
	Mortgage-backed securities		-		-		319		29		319			29
	Total temporarily impaired and other-than-temporarily impaired securities	$	5,366	$	42	$	59,300	$	1,482	$	64,666		$	1,524
	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
	The investments in the Company’s investment portfolio that were temporarily impaired as of September 30, 2014 consisted of debt issued by states and municipalities and U.S. government agencies and sponsored enterprises. The Company’s management anticipates that the fair value of securities that are currently impaired will recover to cost basis. As the Company has the ability and intent to hold securities for the foreseeable future, no declines are deemed to be other than temporary.
	The following table summarizes the amounts and distribution of the Bank’s investment securities held as of September 30, 2014 and December 31, 2013:
			Investment Portfolio
			(Dollars in thousands)
			30-Sep-14
		Amortized		Gross Unrealized		Gross Unrealized		Fair
		Cost		Gains		Losses		Value		Yield
	Available-for-sale securities:
	U.S government and agency securities
	Due after one year through five years	$	16,265	$	-	$	172	$	16,093		1.19	%
	Due after five years through ten years		2,500		-		50		2,450		1.71	%
	Total U.S government and agency securities		18,765		-		222		18,543		1.26	%
	State and municipal securities
	Due after one year through five years		562		27		-		589		2.26	%
	Due after five years through ten years		4,283		162		42		4,403		3.16	%
	Due after ten years through fifteen years		8,766		513		31		9,248		3.37	%
	Due beyond fifteen years		1,777		11		7		1,781		3.41	%
	Total state and municipal securities		15,388		713		80		16,021		3.33	%
	Mortgage-backed securities
	Due within one year		1		-		-		1		3.45	%
	Due after one year through five years		646		16		-		662		2.94	%
	Due after five years through ten years		1,993		34		4		2,023		2.22	%
	Due after ten years through fifteen years		29,670		33		689		29,014		1.77	%
	Due beyond fifteen years		18,727		64		529		18,262		2.33	%
	Total mortgage-backed securities		51,037		147		1,222		49,962		2.01	%
	SBA loan pools
	Due after ten years through fifteen years		488		37		-		525		4.97	%
	Total SBA loan pools		488		37		-		525		4.97	%
	Total available-for-sale securities	$	85,678	$	897	$	1,524	$	85,051		2.34	%
		Investment Portfolio
		(Dollars in thousands)
		December 31, 2013
		Amortized		Gross Unrealized		Gross Unrealized		Fair
		Cost		Gains		Losses		Value		Yield
	Available-for-sale securities:
	U.S government and agency securities
	Due after one year through five years	$	13,061	$	-	$	245	$	12,816		1.08	%
	Due after five to ten years		5,706		-		275		5,431		1.46	%
	Total U.S government and agency securities		18,767		-		520		18,247		1.2	%
	State and municipal securities
	Due after one year through five years		301		2		-		303		3	%
Due after five years through ten years		3,412		86		98		3,400		3.08	%
Due after ten years through fifteen years		10,067		303		100		10,270		3.47	%
Due beyond fifteen years		-		-		-		-		-
Total state and municipal securities		13,780		391		198		13,973		3.36	%
Mortgage-backed securities
Due within one year		9		-		-		9		3.98	%
Due after one year through five years		761		14		-		775		2.6	%
Due after five years through ten years		2,660		49		11		2,698		2.39	%
Due after ten years through fifteen years		32,886		31		1,281		31,636		1.85	%
Due beyond fifteen years		20,483		32		1,065		19,450		2.44	%
Total mortgage-backed securities		56,799		126		2,357		54,568		2.1	%
SBA loan pools
Due after one year through five years		611		50		-		661		4.6	%
Total SBA loan pools		611		50		-		661		4.99	%
Total available-for-sale securities	$	89,957	$	567	$	3,075	$	87,449		2.25	%
During the nine months ended September 30, 2014, there were proceeds of $1.1 million from sales of available-for-sale securities. Gross realized gains on these sales amounted to $103 thousand. The tax expense applicable to these gross realized gains amounted to $35 thousand.
During the nine months ended September 30, 2013, there were proceeds of $5.6 million from sales of available-for-sale securities. Gross realized gains on these sales amounted to $112 thousand. The tax expense applicable to these gross realized gains amounted to $38 thousand.

Note_7_Loan_Information

Note 7 - Loan Information	9 Months Ended
	Sep. 30, 2014
Receivables [Abstract]	'
Loans, Notes, Trade and Other Receivables Disclosure [Text Block]	'
	NOTE 7 – LOAN INFORMATION
	Loans consisted of the following as of September 30, 2014 and December 31, 2013:
		30-Sep-14			31-Dec-13
		(In Thousands)
	Commercial and industrial	$	19,906		$	18,432
	Real estate - construction and land development		11,312			7,773
	Real estate - residential		131,879			137,539
	Real estate - commercial		46,772			48,814
	Municipal		9,218			8,488
	Home equity		46,167			46,742
	Consumer		16,045			10,664
			281,299			278,452
	Allowance for loan losses		(2,761	)		(2,792	)
	Deferred loan origination costs, net		1,294			1,215
	Net loans	$	279,832		$	276,875
	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, the 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 the nine months ended September 30, 2014.
	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% 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 owner occupied properties throughout the Farmington Valley in Connecticut. Management continually monitors the financial performance of these loans and the related operating entities.
	Construction loans: Loans in this segment primarily include real estate development loans for which payment is derived from the sale of the property. Credit risk is affected by cost overruns, time to sell at adequate prices, and market conditions.
	Commercial loans: Loans in this segment are made to businesses and are generally secured by the assets of the businesses. Repayment is expected from the cash flows of the businesses. A weakened economy 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 may periodically 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.
	The following table presents the allowance for loan losses activity by portfolio segment for the nine months ended September 30, 2014 and September 30, 2013:
			Real Estate:
									Construction					Commercial
									and
			Residential			Commercial			Land		Home			&			Consumer			Unallocated			Total
									Development		Equity			Industrial
			(Dollars in thousands)
	September 30, 2014:
	Allowance for loan losses:
	Beginning balance	$	1,189		$	748		$	211	$	303		$	239		$	102		$	-		$	2,792
	Charge-offs		(98	)		-			-		-			-			(2	)		-			(100	)
	Recoveries		11			-			-		-			3			-			-			14
	(Benefit) provision		(114	)		(16	)		145		(26	)		3			45			18			55
	Ending balance	$	988		$	732		$	356	$	277		$	245		$	145		$	18		$	2,761
			Real Estate:
									Construction					Commercial
									and
			Residential			Commercial			Land		Home			&			Consumer			Unallocated			Total
									Development		Equity			Industrial
			(Dollars in thousands)
	September 30, 2013:
	Allowance for loan losses:
	Beginning balance	$	1,051		$	586		$	142	$	362		$	219		$	99		$	135		$	2,594
	Charge-offs		(44	)		-			-		-			-			(22	)		-			(66	)
	Recoveries		2			-			-		-			4			-			-			6
	Provision (benefit)		165			173			26		(37	)		(14	)		40			(123	)		230
	Ending balance	$	1,174		$	759		$	168	$	325		$	209		$	117		$	12		$	2,764
	The following tables set forth information regarding the allowance for loan losses by portfolio segment as of September 30, 2014 and December 31, 2013:
		Real Estate:
								Construction					Commercial
								and
		Residential			Commercial			Land		Home			&			Consumer			Unallocated			Total
Development								Equity		Industrial
	(Dollars in thousands)
September 30, 2014:
Allowance for loan losses:
Ending balance: Individually evaluated for impairment	$	-		$	-		$	-	$	-		$	-		$	-		$	-		$	-
Ending balance: Collectively evaluated for  impairment		988			732			356		277			245			145			18			2,761
Total allowance for loan losses ending balance	$	988		$	732		$	356	$	277		$	245		$	145		$	18		$	2,761
Loans:
Ending balance: Individually evaluated for  impairment	$	-		$	873		$	-	$	-		$	460		$	-		$	-		$	1,333
Ending balance: Collectively evaluated for impairment		131,879			53,399			11,312		46,167			21,164			16,045			-			279,966
Total loans ending balance	$	131,879		$	54,272		$	11,312	$	46,167		$	21,624		$	16,045		$	-		$	281,299
	Real Estate:
							Construction					Commercial
							and
	Residential			Commercial			Land		Home			&			Consumer			Unallocated			Total
							Development		Equity			Industrial
	(Dollars in thousands)
31-Dec-13
Allowance for loan losses:
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
The following tables present the Company’s loans by risk rating as of September 30, 2014 and December 31, 2013:
	Real Estate
							Construction
							and Land					Commercial
	Residential			Commercial			Development		Home Equity			and Industrial			Consumer			Total
	(Dollars in thousands)
30-Sep-14
Grade:
Pass	$	-		$	49,387		$	10,852	$	-		$	18,519		$	-		$	78,758
Special mention		-			4,012			-		-			3,105			-			7,117
Substandard		479			873			460		-			-			90			1,902
Loans not formally rated		131,400			-			-		46,167			-			15,955			193,522
Total	$	131,879		$	54,272		$	11,312	$	46,167		$	21,624		$	16,045		$	281,299
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
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 matrix to assign a risk grade to each of its commercial and construction loans. Loans are graded on a scale of 1 to 7. A “Pass” is defined as risk rating 1 through 3.5. 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 and have 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 with loan obligations which may be adequately protected by the present debt service capacity and tangible net worth of such borrowers, 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 borrowers or the portion of borrowers’ loans with which the Company is no longer certain of such loans’ collectability. A specific allocation is assigned to such portion of the loans.
Risk Rating 7 (Loss) – This risk rating is assigned to loans which have been charged off or the portion of the loans that have been charged off. “Loss” does not imply that the loan, or any portion thereof, will never be repaid, nor does it imply that there has been a forgiveness of debt.
“Loans not formally rated” represent residential, home equity and consumer loans. As of September 30, 2014, $193.5 million of the total residential, home equity and consumer portfolio totaling $194.1 million were not formally rated. The performance of these loans is measured by delinquency status. The Bank underwrites first mortgage loans in accordance with FHLMC and FNMA guidelines. These guidelines provide for specific requirements with regard to documentation, loan to value and debt to income ratios. Guidelines for home equity loans and lines place a maximum loan to value of 80% on these loans and lines and the Bank requires full underwriting disclosure documentation for these loans. These underwriting factors have produced a loan portfolio with low delinquencies. Total non-accrual and delinquent loans on September 30, 2014 were 0.91% of total loans outstanding compared to 1.24% on December 31, 2013. The Company’s allowance for loan losses at September 30, 2014 was 0.98% of total loans compared to 0.99% as of December 31, 2013.
An age analysis of past-due loans, segregated by class of loans, as of September 30, 2014 and December 31, 2013 is as follows:
							90 Days		Total			Total			Total
	30–59 Days			60–89 Days			or More		Past Due			Current			Loans
	(Dollars in thousands)
September 30, 2014:
Real estate:
Residential	$	-		$	-		$	365	$	365		$	131,514		$	131,879
Commercial		-			-			-		-			46,772			46,772
Construction and land development		-			-			-		-			11,312			11,312
Home equity		175			-			-		175			45,992			46,167
Municipal		-			-			-		-			7,500			7,500
Commercial and industrial		-			-			-		-			19,906			19,906
Municipal		-			-			-		-			1,718			1,718
Consumer		91			-			-		91			15,954			16,045
Total	$	266		$	-		$	365	$	631		$	280,668		$	281,299
December 31, 2013:
Real estate:
Residential	$	-		$	720		$	1,253	$	1,973		$	135,566		$	137,539
Commercial		-			-			924		924			47,890			48,814
Construction and land development		-			-			204		204			7,569			7,773
Home equity		-			94			83		177			46,565			46,742
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
Total	$	128		$	814		$	2,490	$	3,432		$	275,020		$	278,452
The following tables set forth information regarding nonaccrual loans as of September 30, 2014 and December 31, 2013:
Real estate:	30-Sep-14			31-Dec-13
	(Dollars in thousands)			(Dollars in thousands)
Residential	$	602		$	1,597
Commercial		873			924
Construction and land development		-			222
Home equity		-			83
Commercial and industrial		460			-
Consumer		2			23
Total	$	1,937		$	2,849
There were no loans 90 days or more past due and still accruing as of September 30, 2014 and December 31, 2013.
Information about loans that meet the definition of an impaired loan in ASC 310-10-35 is as follows as of and for the nine months ended September 30, 2014 and the year ended December 31, 2013:
				Unpaid					Average			Interest
	Recorded			Principal			Related		Recorded			Income
	Investment			Balance			Allowance		Investment			Recognized
	(Dollars in thousands)
30-Sep-14
With no related allowance recorded:
Real Estate:
Commercial	$	873		$	873		$	-	$	899		$	-
Construction and land development		-			-			-		147			-
Commercial and industrial		460			460			-		474			-
Total impaired with no related allowance	$	1,333		$	1,333		$	-	$	1,520		$	-
Total
Real Estate:
Commercial	$	873		$	873		$	-	$	899		$	-
Construction and land development		-			-			-		147			-
Commercial and industrial		460			460			-		474			-
Total impaired loans	$	1,333		$	1,333		$	-	$	1,520		$	-
				Unpaid					Average			Interest
	Recorded			Principal			Related		Recorded			Income
	Investment			Balance			Allowance		Investment			Recognized
	(Dollars 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
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
The Bank’s troubled debt restructured loans (“TDRs”) are determined by management. TDRs may include accrued interest, late charges, title and recording fees, or attorney’s fees being added back to the pre-modification balance. In addition, rates and terms of the loans have changed.
There were no loans modified as a troubled debt restructure during the nine months ended September 30, 2014.
There were no loans modified as a troubled debt restructure during the year ended December 31, 2013.
The balance of mortgage servicing rights included in other assets at September 30, 2014 and December 31, 2013 was $1.48 million and $1.41 million, respectively. Mortgage servicing rights of $58 thousand and $925 thousand were capitalized for the nine months ended September 30, 2014 and the year ended December 31, 2013, respectively. Amortization of mortgage servicing rights was $285 thousand and $300 thousand for the nine months ended September 30, 2014 and the year ended December 31, 2013, respectively. The fair value of these rights was $1.94 million and $1.67 million as of September 30, 2014 and December 31, 2013, respectively.
Mortgage loans serviced for others were not included in the accompanying consolidated balance sheets. The unpaid principal balances of mortgage loans serviced for others were $166.7 million and $148.0 million as of September 30, 2014 and December 31, 2013, respectively.

Note_8_Securities_Sold_Under_A

Note 8 - Securities Sold Under Agreements to Repurchase	9 Months Ended
	Sep. 30, 2014
Disclosure Text Block [Abstract]	'
Repurchase Agreements, Resale Agreements, Securities Borrowed, and Securities Loaned Disclosure [Text Block]	'
	NOTE 8 – 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 the U.S. Treasury and other U.S. government sponsored enterprises, corporations and agencies and states and municipalities. The securities were held in safekeeping by Morgan Stanley, 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.

Note_9_Other_Comprehensive_Inc

Note 9 - Other Comprehensive Income (Loss)	9 Months Ended
	Sep. 30, 2014
Disclosure Text Block [Abstract]	'
Comprehensive Income (Loss) Note [Text Block]	'
	NOTE 9 – OTHER COMPREHENSIVE INCOME (LOSS)
	The following tables present the reclassification disclosure for the three months and nine months ended September 30, 2014 and 2013:
		9/30/14			9/30/13
	Three months ended:	(Dollars in thousands)
	Change in net unrealized holding gain/loss on available-for-sale securities	$	(250	)	$	(6	)
	Reclassification adjustment for realized gains and writedowns, net, in net income (1)		-			6
	Other comprehensive loss before income tax effect		(250	)		-
	Income tax benefit		85			-
	Other comprehensive loss, net of tax	$	(165	)	$	-
		9/30/14			9/30/13
	Nine months ended:	(Dollars in thousands)
	Change in net unrealized holding gain/loss on available-for-sale securities	$	1,977		$	(3,241	)
	Reclassification adjustment for realized gains and writedowns, net, in net income (1)		(96	)		(98	)
	Other comprehensive income (loss) before income tax effect		1,881			(3,339	)
	Income tax (expense) benefit		(640	)		1,136
	Other comprehensive income (loss), net of tax	$	1,241		$	(2,203	)
	Reclassification adjustments are comprised of realized security gains/losses and writedowns.  The gains/losses and writedowns have been reclassified out of accumulated other comprehensive loss and have affected certain lines in the consolidated statements of operations as follows: the pre-tax amount is included in  gain on sales and writedowns of available- for- sale securities, net, the tax expense amount is included in income tax provision (benefit) and the after tax amount is included in net income.

Note_4_Fair_Value_Measurements1

Note 4 - Fair Value Measurements (Tables)	9 Months Ended
	Sep. 30, 2014
Fair Value Disclosures [Abstract]	'
Fair Value, Assets Measured on Recurring Basis [Table Text Block]	'
				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
		(Dollars In Thousands)
	September 30, 2014:
	Debt securities issued by U.S. government corporations and agencies	$	18,543	$	-	$	18,543	$	-
	Obligations of states and municipalities		16,021		-		16,021		-
	Mortgage-backed securities		49,962		-		49,962		-
	SBA loan pools		525		-		525		-
		$	85,051	$	-	$	85,051	$	-
	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		-
		$	87,449	$	-	$	87,449	$	-
Fair Value Measurements, Nonrecurring [Table Text Block]	'
		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
		(Dollars In Thousands)
	September 30, 2014:
	Other real estate owned	$	130	$	-	$	-	$	130
		$	130	$	-	$	-	$	130
Fair Value, by Balance Sheet Grouping [Table Text Block]	'
		30-Sep-14
		Carrying		Fair Value
		Amount		Level 1		Level 2		Level 3		Total
		(Dollars in thousands)
	Financial assets:
	Cash and cash equivalents	$	22,673	$	22,673	$	-	$	-	$	22,673
	Available-for-sale securities		85,051		-		85,051		-		85,051
	Federal Home Loan Bank stock		1,260		1,260		-		-		1,260
	Loans held-for-sale		7,140		-		-		7,247		7,247
	Loans, net		279,832		-		-		286,942		286,942
	Accrued interest receivable		1,020		1,020		-		-		1,020
	Financial liabilities:
	Deposits		376,140		-		376,472		-		376,472
	Securities sold under agreements to repurchase		3,845		-		3,845		-		3,845
		31-Dec-13
		Carrying		Fair Value
		Amount		Level 1		Level 2		Level 3		Total
		(Dollars 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

Note_5_Earnings_Per_Common_Sha1

Note 5 - Earnings Per Common Share (Tables)	9 Months Ended
	Sep. 30, 2014
Earnings Per Share [Abstract]	'
Schedule of Earnings Per Share, Basic and Diluted [Table Text Block]	'
		For the three months ended
		9/30/14			9/30/13
		(In Thousands, Except Share and Per Share Data)
	Basic earnings per share computation:
	Net income	$	258		$	85
	Preferred stock net accretion		(3	)		(3	)
	Cumulative preferred stock dividends		(22	)		(26	)
	Net income available to common stockholders	$	233		$	56
	Weighted average shares outstanding, basic		883,998			871,055
	Basic earnings per share	$	0.26		$	0.06
	Diluted earnings per share computation:
	Net income	$	258		$	85
	Preferred stock net accretion		(3	)		(3	)
	Cumulative preferred stock dividends		(22	)		(26	)
	Net income available to common stockholders	$	233		$	56
	Weighted average shares outstanding, before dilution		883,998			871,055
	Dilutive potential shares		4,337			6,861
	Weighted average shares outstanding, assuming dilution		888,335			877,916
	Diluted earnings per share	$	0.26		$	0.06
		For the nine months ended
		9/30/14			9/30/13
		(In Thousands, Except Share and Per Share Data)
	Basic earnings per share computation:
	Net income	$	451		$	1,003
	Preferred stock net accretion		(9	)		(9	)
	Cumulative preferred stock dividends		(67	)		(71	)
	Net income available to common stockholders	$	375		$	923
	Weighted average shares outstanding, basic		882,158			870,695
	Basic earnings per share	$	0.42		$	1.06
	Diluted earnings per share computation:
	Net income	$	451		$	1,003
	Preferred stock net accretion		(9	)		(9	)
	Cumulative preferred stock dividends		(67	)		(71	)
	Net income available to common stockholders	$	375		$	923
	Weighted average shares outstanding, before dilution		882,158			870,695
	Dilutive potential shares		4,536			5,490
	Weighted average shares outstanding, assuming dilution		886,694			876,185
	Diluted earnings per share	$	0.42		$	1.05

Note_6_Investment_Securities_T

Note 6 - Investment Securities (Tables)	9 Months Ended
	Sep. 30, 2014
Investments, Debt and Equity Securities [Abstract]	'
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Table Text Block]	'
			Less than 12 Months				12 Months or Longer				Total
			Fair		Unrealized		Fair		Unrealized		Fair			Unrealized
			Value		Losses		Value		Losses		Value			Losses
			(Dollars in thousands)
	30-Sep-14
	Debt securities issued by U.S. government corporations and agencies	$	1,060	$	3	$	17,483	$	219	$	18,543		$	222
	Obligations of states and municipalities		1,014		24		1,757		56		2,771			80
	Mortgage-backed securities		3,292		15		39,741		1,178		43,033			1,193
	Total temporarily impaired securities		5,366		42		58,981		1,453		64,347			1,495
	Other-than-temporarily impaired securities
	Mortgage-backed securities		-		-		319		29		319			29
	Total temporarily impaired and other-than-temporarily impaired securities	$	5,366	$	42	$	59,300	$	1,482	$	64,666		$	1,524
	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
Available-for-sale Securities [Table Text Block]	'
			Investment Portfolio
			(Dollars in thousands)
			30-Sep-14
		Amortized		Gross Unrealized		Gross Unrealized		Fair
		Cost		Gains		Losses		Value		Yield
	Available-for-sale securities:
	U.S government and agency securities
	Due after one year through five years	$	16,265	$	-	$	172	$	16,093		1.19	%
	Due after five years through ten years		2,500		-		50		2,450		1.71	%
	Total U.S government and agency securities		18,765		-		222		18,543		1.26	%
	State and municipal securities
	Due after one year through five years		562		27		-		589		2.26	%
	Due after five years through ten years		4,283		162		42		4,403		3.16	%
	Due after ten years through fifteen years		8,766		513		31		9,248		3.37	%
	Due beyond fifteen years		1,777		11		7		1,781		3.41	%
	Total state and municipal securities		15,388		713		80		16,021		3.33	%
	Mortgage-backed securities
	Due within one year		1		-		-		1		3.45	%
	Due after one year through five years		646		16		-		662		2.94	%
	Due after five years through ten years		1,993		34		4		2,023		2.22	%
	Due after ten years through fifteen years		29,670		33		689		29,014		1.77	%
	Due beyond fifteen years		18,727		64		529		18,262		2.33	%
	Total mortgage-backed securities		51,037		147		1,222		49,962		2.01	%
	SBA loan pools
	Due after ten years through fifteen years		488		37		-		525		4.97	%
	Total SBA loan pools		488		37		-		525		4.97	%
	Total available-for-sale securities	$	85,678	$	897	$	1,524	$	85,051		2.34	%
		Investment Portfolio
		(Dollars in thousands)
		December 31, 2013
		Amortized		Gross Unrealized		Gross Unrealized		Fair
		Cost		Gains		Losses		Value		Yield
	Available-for-sale securities:
	U.S government and agency securities
	Due after one year through five years	$	13,061	$	-	$	245	$	12,816		1.08	%
	Due after five to ten years		5,706		-		275		5,431		1.46	%
	Total U.S government and agency securities		18,767		-		520		18,247		1.2	%
	State and municipal securities
	Due after one year through five years		301		2		-		303		3	%
	Due after five years through ten years		3,412		86		98		3,400		3.08	%
	Due after ten years through fifteen years		10,067		303		100		10,270		3.47	%
	Due beyond fifteen years		-		-		-		-		-
	Total state and municipal securities		13,780		391		198		13,973		3.36	%
	Mortgage-backed securities
	Due within one year		9		-		-		9		3.98	%
	Due after one year through five years		761		14		-		775		2.6	%
	Due after five years through ten years		2,660		49		11		2,698		2.39	%
	Due after ten years through fifteen years		32,886		31		1,281		31,636		1.85	%
	Due beyond fifteen years		20,483		32		1,065		19,450		2.44	%
	Total mortgage-backed securities		56,799		126		2,357		54,568		2.1	%
	SBA loan pools
	Due after one year through five years		611		50		-		661		4.6	%
	Total SBA loan pools		611		50		-		661		4.99	%
	Total available-for-sale securities	$	89,957	$	567	$	3,075	$	87,449		2.25	%

Note_7_Loan_Information_Tables

Note 7 - Loan Information (Tables)	9 Months Ended
	Sep. 30, 2014
Receivables [Abstract]	'
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]	'
		30-Sep-14			31-Dec-13
		(In Thousands)
	Commercial and industrial	$	19,906		$	18,432
	Real estate - construction and land development		11,312			7,773
	Real estate - residential		131,879			137,539
	Real estate - commercial		46,772			48,814
	Municipal		9,218			8,488
	Home equity		46,167			46,742
	Consumer		16,045			10,664
			281,299			278,452
	Allowance for loan losses		(2,761	)		(2,792	)
	Deferred loan origination costs, net		1,294			1,215
	Net loans	$	279,832		$	276,875
Allowance for Credit Losses on Financing Receivables [Table Text Block]	'
			Real Estate:
									Construction					Commercial
									and
			Residential			Commercial			Land		Home			&			Consumer			Unallocated			Total
									Development		Equity			Industrial
			(Dollars in thousands)
	September 30, 2014:
	Allowance for loan losses:
	Beginning balance	$	1,189		$	748		$	211	$	303		$	239		$	102		$	-		$	2,792
	Charge-offs		(98	)		-			-		-			-			(2	)		-			(100	)
	Recoveries		11			-			-		-			3			-			-			14
	(Benefit) provision		(114	)		(16	)		145		(26	)		3			45			18			55
	Ending balance	$	988		$	732		$	356	$	277		$	245		$	145		$	18		$	2,761
			Real Estate:
									Construction					Commercial
									and
			Residential			Commercial			Land		Home			&			Consumer			Unallocated			Total
									Development		Equity			Industrial
			(Dollars in thousands)
	September 30, 2013:
	Allowance for loan losses:
	Beginning balance	$	1,051		$	586		$	142	$	362		$	219		$	99		$	135		$	2,594
	Charge-offs		(44	)		-			-		-			-			(22	)		-			(66	)
	Recoveries		2			-			-		-			4			-			-			6
	Provision (benefit)		165			173			26		(37	)		(14	)		40			(123	)		230
	Ending balance	$	1,174		$	759		$	168	$	325		$	209		$	117		$	12		$	2,764
		Real Estate:
								Construction					Commercial
								and
		Residential			Commercial			Land		Home			&			Consumer			Unallocated			Total
								Development		Equity			Industrial
		(Dollars in thousands)
	September 30, 2014:
	Allowance for loan losses:
	Ending balance: Individually evaluated for impairment	$	-		$	-		$	-	$	-		$	-		$	-		$	-		$	-
	Ending balance: Collectively evaluated for  impairment		988			732			356		277			245			145			18			2,761
	Total allowance for loan losses ending balance	$	988		$	732		$	356	$	277		$	245		$	145		$	18		$	2,761
	Loans:
	Ending balance: Individually evaluated for  impairment	$	-		$	873		$	-	$	-		$	460		$	-		$	-		$	1,333
	Ending balance: Collectively evaluated for impairment		131,879			53,399			11,312		46,167			21,164			16,045			-			279,966
	Total loans ending balance	$	131,879		$	54,272		$	11,312	$	46,167		$	21,624		$	16,045		$	-		$	281,299
		Real Estate:
								Construction					Commercial
								and
		Residential			Commercial			Land		Home			&			Consumer			Unallocated			Total
								Development		Equity			Industrial
		(Dollars in thousands)
	31-Dec-13
	Allowance for loan losses:
	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
Financing Receivable Credit Quality Indicators [Table Text Block]	'
		Real Estate
								Construction
								and Land					Commercial
		Residential			Commercial			Development		Home Equity			and Industrial			Consumer			Total
		(Dollars in thousands)
	30-Sep-14
	Grade:
	Pass	$	-		$	49,387		$	10,852	$	-		$	18,519		$	-		$	78,758
	Special mention		-			4,012			-		-			3,105			-			7,117
	Substandard		479			873			460		-			-			90			1,902
	Loans not formally rated		131,400			-			-		46,167			-			15,955			193,522
	Total	$	131,879		$	54,272		$	11,312	$	46,167		$	21,624		$	16,045		$	281,299
	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
Past Due Financing Receivables [Table Text Block]	'
								90 Days		Total			Total			Total
		30–59 Days			60–89 Days			or More		Past Due			Current			Loans
		(Dollars in thousands)
	September 30, 2014:
	Real estate:
	Residential	$	-		$	-		$	365	$	365		$	131,514		$	131,879
	Commercial		-			-			-		-			46,772			46,772
	Construction and land development		-			-			-		-			11,312			11,312
	Home equity		175			-			-		175			45,992			46,167
	Municipal		-			-			-		-			7,500			7,500
	Commercial and industrial		-			-			-		-			19,906			19,906
	Municipal		-			-			-		-			1,718			1,718
	Consumer		91			-			-		91			15,954			16,045
	Total	$	266		$	-		$	365	$	631		$	280,668		$	281,299
	December 31, 2013:
	Real estate:
	Residential	$	-		$	720		$	1,253	$	1,973		$	135,566		$	137,539
	Commercial		-			-			924		924			47,890			48,814
	Construction and land development		-			-			204		204			7,569			7,773
	Home equity		-			94			83		177			46,565			46,742
	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
	Total	$	128		$	814		$	2,490	$	3,432		$	275,020		$	278,452
Schedule of Financing Receivables, Non Accrual Status [Table Text Block]	'
	Real estate:	30-Sep-14			31-Dec-13
		(Dollars in thousands)			(Dollars in thousands)
	Residential	$	602		$	1,597
	Commercial		873			924
	Construction and land development		-			222
	Home equity		-			83
	Commercial and industrial		460			-
	Consumer		2			23
	Total	$	1,937		$	2,849
Impaired Financing Receivables [Table Text Block]	'
					Unpaid					Average			Interest
		Recorded			Principal			Related		Recorded			Income
		Investment			Balance			Allowance		Investment			Recognized
		(Dollars in thousands)
	30-Sep-14
	With no related allowance recorded:
	Real Estate:
	Commercial	$	873		$	873		$	-	$	899		$	-
	Construction and land development		-			-			-		147			-
	Commercial and industrial		460			460			-		474			-
	Total impaired with no related allowance	$	1,333		$	1,333		$	-	$	1,520		$	-
	Total
	Real Estate:
	Commercial	$	873		$	873		$	-	$	899		$	-
	Construction and land development		-			-			-		147			-
	Commercial and industrial		460			460			-		474			-
	Total impaired loans	$	1,333		$	1,333		$	-	$	1,520		$	-
					Unpaid					Average			Interest
		Recorded			Principal			Related		Recorded			Income
		Investment			Balance			Allowance		Investment			Recognized
		(Dollars 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
	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

Note_9_Other_Comprehensive_Inc1

Note 9 - Other Comprehensive Income (Loss) (Tables)	9 Months Ended
	Sep. 30, 2014
Disclosure Text Block [Abstract]	'
Comprehensive Income (Loss) [Table Text Block]	'
		9/30/14			9/30/13
	Three months ended:	(Dollars in thousands)
	Change in net unrealized holding gain/loss on available-for-sale securities	$	(250	)	$	(6	)
	Reclassification adjustment for realized gains and writedowns, net, in net income (1)		-			6
	Other comprehensive loss before income tax effect		(250	)		-
	Income tax benefit		85			-
	Other comprehensive loss, net of tax	$	(165	)	$	-
		9/30/14			9/30/13
	Nine months ended:	(Dollars in thousands)
	Change in net unrealized holding gain/loss on available-for-sale securities	$	1,977		$	(3,241	)
	Reclassification adjustment for realized gains and writedowns, net, in net income (1)		(96	)		(98	)
	Other comprehensive income (loss) before income tax effect		1,881			(3,339	)
	Income tax (expense) benefit		(640	)		1,136
	Other comprehensive income (loss), net of tax	$	1,241		$	(2,203	)

Note_2_Stockbased_Compensation1

Note 2 - Stock-based Compensation (Details) (USD $)	9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2014	Sep. 30, 2013
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]	'	'
Share-based Compensation	$117	$117

Note_4_Fair_Value_Measurements2

Note 4 - Fair Value Measurements (Details) - Assets Measured at Fair Value on a Recurring Basis (USD $)	Sep. 30, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Note 4 - Fair Value Measurements (Details) - Assets Measured at Fair Value on a Recurring Basis [Line Items]	'	'
Available for Sale Securities	$85,051	$87,449
US Government Agencies Debt Securities [Member] | Fair Value, Inputs, Level 2 [Member] | Fair Value, Measurements, Recurring [Member]	'	'
Note 4 - Fair Value Measurements (Details) - Assets Measured at Fair Value on a Recurring Basis [Line Items]	'	'
Available for Sale Securities	18,543	18,247
US Government Agencies Debt Securities [Member]	'	'
Note 4 - Fair Value Measurements (Details) - Assets Measured at Fair Value on a Recurring Basis [Line Items]	'	'
Available for Sale Securities	18,543	18,247
US States and Political Subdivisions Debt Securities [Member] | Fair Value, Inputs, Level 2 [Member] | Fair Value, Measurements, Recurring [Member]	'	'
Note 4 - Fair Value Measurements (Details) - Assets Measured at Fair Value on a Recurring Basis [Line Items]	'	'
Available for Sale Securities	16,021	13,973
US States and Political Subdivisions Debt Securities [Member]	'	'
Note 4 - Fair Value Measurements (Details) - Assets Measured at Fair Value on a Recurring Basis [Line Items]	'	'
Available for Sale Securities	16,021	13,973
Collateralized Mortgage Backed Securities [Member] | Fair Value, Inputs, Level 2 [Member] | Fair Value, Measurements, Recurring [Member]	'	'
Note 4 - Fair Value Measurements (Details) - Assets Measured at Fair Value on a Recurring Basis [Line Items]	'	'
Available for Sale Securities	49,962	54,568
Collateralized Mortgage Backed Securities [Member]	'	'
Note 4 - Fair Value Measurements (Details) - Assets Measured at Fair Value on a Recurring Basis [Line Items]	'	'
Available for Sale Securities	49,962	54,568
Other Debt Obligations [Member] | Fair Value, Inputs, Level 2 [Member] | Fair Value, Measurements, Recurring [Member]	'	'
Note 4 - Fair Value Measurements (Details) - Assets Measured at Fair Value on a Recurring Basis [Line Items]	'	'
Available for Sale Securities	525	661
Other Debt Obligations [Member]	'	'
Note 4 - Fair Value Measurements (Details) - Assets Measured at Fair Value on a Recurring Basis [Line Items]	'	'
Available for Sale Securities	525	661
Fair Value, Inputs, Level 2 [Member] | Fair Value, Measurements, Recurring [Member]	'	'
Note 4 - Fair Value Measurements (Details) - Assets Measured at Fair Value on a Recurring Basis [Line Items]	'	'
Available for Sale Securities	85,051	87,449
Fair Value, Inputs, Level 2 [Member]	'	'
Note 4 - Fair Value Measurements (Details) - Assets Measured at Fair Value on a Recurring Basis [Line Items]	'	'
Available for Sale Securities	$85,051	$87,449

Note_4_Fair_Value_Measurements3

Note 4 - Fair Value Measurements (Details) - Assets Measured at Fair Value on a Nonrecurring Basis (Fair Value, Measurements, Nonrecurring [Member], USD $)	Sep. 30, 2014
In Thousands, unless otherwise specified
Note 4 - Fair Value Measurements (Details) - Assets Measured at Fair Value on a Nonrecurring Basis [Line Items]	'
Other Real Estate Owned	$130
Fair Value, Inputs, Level 3 [Member] | Other Real Estate Owned [Member]	'
Note 4 - Fair Value Measurements (Details) - Assets Measured at Fair Value on a Nonrecurring Basis [Line Items]	'
Other Real Estate Owned	130
Fair Value, Inputs, Level 3 [Member]	'
Note 4 - Fair Value Measurements (Details) - Assets Measured at Fair Value on a Nonrecurring Basis [Line Items]	'
Other Real Estate Owned	130
Other Real Estate Owned [Member]	'
Note 4 - Fair Value Measurements (Details) - Assets Measured at Fair Value on a Nonrecurring Basis [Line Items]	'
Other Real Estate Owned	$130

Note_4_Fair_Value_Measurements4

Note 4 - Fair Value Measurements (Details) - Estimated Fair Values of Financial Instruments Held or Issued for Purposes Other Than Trading (USD $)	Sep. 30, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Financial assets:	'	'
Cash and cash equivalents	$22,673	$38,590
Available-for-sale securities	85,051	87,449
Federal Home Loan Bank stock	1,260	2,196
Loans held-for-sale	7,247	2,909
Loans, net	286,942	277,539
Accrued interest receivable	1,020	1,074
Financial liabilities:	'	'
Deposits	376,472	358,961
Securities sold under agreements to repurchase	3,845	4,390
Federal Home Loan Bank advances	'	30,000
Fair Value, Inputs, Level 1 [Member]	'	'
Financial assets:	'	'
Cash and cash equivalents	22,673	38,590
Federal Home Loan Bank stock	1,260	2,196
Accrued interest receivable	1,020	1,074
Fair Value, Inputs, Level 2 [Member]	'	'
Financial assets:	'	'
Available-for-sale securities	85,051	87,449
Financial liabilities:	'	'
Deposits	376,472	358,961
Securities sold under agreements to repurchase	3,845	4,390
Federal Home Loan Bank advances	'	30,000
Fair Value, Inputs, Level 3 [Member]	'	'
Financial assets:	'	'
Loans held-for-sale	7,247	2,909
Loans, net	286,942	277,539
Reported Value Measurement [Member]	'	'
Financial assets:	'	'
Cash and cash equivalents	22,673	38,590
Available-for-sale securities	85,051	87,449
Federal Home Loan Bank stock	1,260	2,196
Loans held-for-sale	7,140	2,861
Loans, net	279,832	276,875
Accrued interest receivable	1,020	1,074
Financial liabilities:	'	'
Deposits	376,140	358,504
Securities sold under agreements to repurchase	3,845	4,390
Federal Home Loan Bank advances	'	$30,000

Note_5_Earnings_Per_Common_Sha2

Note 5 - Earnings Per Common Share (Details) - Information Used in Computation of EPS on Both Basic and Diluted Basis (USD $)	3 Months Ended		9 Months Ended
In Thousands, except Share data, unless otherwise specified	Sep. 30, 2014	Sep. 30, 2013	Sep. 30, 2014	Sep. 30, 2013
Basic earnings per share computation:	'	'	'	'
Net income	$258	$85	$451	$1,003
Preferred stock net accretion	-3	-3	-9	-9
Cumulative preferred stock dividends	-22	-26	-67	-71
Net income available to common stockholders	$233	$56	$375	$923
Weighted average shares outstanding, basic (in Shares)	883,998	871,055	882,158	870,695
Dilutive potential shares (in Shares)	4,337	6,861	4,536	5,490
Weighted average shares outstanding, assuming dilution (in Shares)	888,335	877,916	886,694	876,185
Diluted earnings per share (in Dollars per share)	$0.26	$0.06	$0.42	$1.05
Basic earnings per share (in Dollars per share)	$0.26	$0.06	$0.42	$1.06

Note_6_Investment_Securities_D

Note 6 - Investment Securities (Details) (USD $)	9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2014	Sep. 30, 2013
Investments, Debt and Equity Securities [Abstract]	'	'
Proceeds from Sale of Available-for-sale Securities	$1,139	$5,649
Available-for-sale Securities, Gross Realized Gains (Losses), Sale Proceeds	103	112
Available For Sale Securities Realized Gain Loss Income Tax Expense Benefit	$35	$38

Note_6_Investment_Securities_D1

Note 6 - Investment Securities (Details) - 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 (USD $)	Sep. 30, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
US Treasury and Government Short-term Debt Securities [Member] | Temporarily Impaired Securities [Member]	'	'
Note 6 - Investment Securities (Details) - 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 [Line Items]	'	'
Less than 12 Months, Fair Value	$1,060	$18,247
Less than 12 Months, Unrealized Losses	3	520
12 Months or Longer, Fair Value	17,483	'
12 Months or Longer, Unrealized Losses	219	'
Fair Value	18,543	18,247
Unrealized Losses	222	520
US States and Political Subdivisions Debt Securities [Member] | Temporarily Impaired Securities [Member]	'	'
Note 6 - Investment Securities (Details) - 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 [Line Items]	'	'
Less than 12 Months, Fair Value	1,014	3,340
Less than 12 Months, Unrealized Losses	24	198
12 Months or Longer, Fair Value	1,757	'
12 Months or Longer, Unrealized Losses	56	'
Fair Value	2,771	3,340
Unrealized Losses	80	198
Collateralized Mortgage Backed Securities [Member] | Temporarily Impaired Securities [Member]	'	'
Note 6 - Investment Securities (Details) - 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 [Line Items]	'	'
Less than 12 Months, Fair Value	3,292	42,185
Less than 12 Months, Unrealized Losses	15	1,958
12 Months or Longer, Fair Value	39,741	6,240
12 Months or Longer, Unrealized Losses	1,178	359
Fair Value	43,033	48,425
Unrealized Losses	1,193	2,317
Collateralized Mortgage Backed Securities [Member] | Other Than Temporarily Impaired Securities [Member]	'	'
Note 6 - Investment Securities (Details) - 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 [Line Items]	'	'
12 Months or Longer, Fair Value	319	331
12 Months or Longer, Unrealized Losses	29	40
Fair Value	319	331
Unrealized Losses	29	40
Temporarily Impaired Securities [Member]	'	'
Note 6 - Investment Securities (Details) - 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 [Line Items]	'	'
Less than 12 Months, Fair Value	5,366	63,772
Less than 12 Months, Unrealized Losses	42	2,676
12 Months or Longer, Fair Value	58,981	6,240
12 Months or Longer, Unrealized Losses	1,453	359
Fair Value	64,347	70,012
Unrealized Losses	1,495	3,035
Other Than Temporarily Impaired Securities [Member]	'	'
Note 6 - Investment Securities (Details) - 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 [Line Items]	'	'
Less than 12 Months, Fair Value	5,366	63,772
Less than 12 Months, Unrealized Losses	42	2,676
12 Months or Longer, Fair Value	59,300	6,571
12 Months or Longer, Unrealized Losses	1,482	399
Fair Value	64,666	70,343
Unrealized Losses	$1,524	$3,075

Note_6_Investment_Securities_D2

Note 6 - Investment Securities (Details) - Amounts and Distribution of Investment Securities Held (USD $)	Sep. 30, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Schedule of Available-for-sale Securities [Line Items]	'	'
Amortized Cost	$85,678	$89,957
Gross Unrealized Gains	897	567
Gross Unrealized Losses	1,524	3,075
Fair Value	85,051	87,449
Yield	2.34%	2.25%
US Treasury and Government [Member]	'	'
Schedule of Available-for-sale Securities [Line Items]	'	'
Amortized Cost	16,265	13,061
Gross Unrealized Losses	172	245
Fair Value	16,093	12,816
Yield	1.19%	1.08%
Amortized Cost	2,500	5,706
Gross Unrealized Losses	50	275
Fair Value	2,450	5,431
Yield	1.71%	1.46%
Amortized Cost	18,765	18,767
Gross Unrealized Losses	222	520
Fair Value	18,543	18,247
Yield	1.26%	1.20%
US States and Political Subdivisions Debt Securities [Member]	'	'
Schedule of Available-for-sale Securities [Line Items]	'	'
Amortized Cost	562	301
Gross Unrealized Gains	27	2
Fair Value	589	303
Yield	2.26%	3.00%
Amortized Cost	4,283	3,412
Gross Unrealized Gains	162	86
Gross Unrealized Losses	42	98
Fair Value	4,403	3,400
Yield	3.16%	3.08%
Amortized Cost	8,766	10,067
Gross Unrealized Gains	513	303
Gross Unrealized Losses	31	100
Fair Value	9,248	10,270
Yield	3.37%	3.47%
Amortized Cost	1,777	'
Gross Unrealized Gains	11	'
Gross Unrealized Losses	7	'
Fair Value	1,781	'
Yield	3.41%	'
Amortized Cost	15,388	13,780
Gross Unrealized Gains	713	391
Gross Unrealized Losses	80	198
Fair Value	16,021	13,973
Yield	3.33%	3.36%
Collateralized Mortgage Backed Securities [Member]	'	'
Schedule of Available-for-sale Securities [Line Items]	'	'
Amortized Cost	646	761
Gross Unrealized Gains	16	14
Fair Value	662	775
Yield	2.94%	2.60%
Amortized Cost	1,993	2,660
Gross Unrealized Gains	34	49
Gross Unrealized Losses	4	11
Fair Value	2,023	2,698
Yield	2.22%	2.39%
Amortized Cost	29,670	32,886
Gross Unrealized Gains	33	31
Gross Unrealized Losses	689	1,281
Fair Value	29,014	31,636
Yield	1.77%	1.85%
Amortized Cost	18,727	20,483
Gross Unrealized Gains	64	32
Gross Unrealized Losses	529	1,065
Fair Value	18,262	19,450
Yield	2.33%	2.44%
Amortized Cost	51,037	56,799
Gross Unrealized Gains	147	126
Gross Unrealized Losses	1,222	2,357
Fair Value	49,962	54,568
Yield	2.01%	2.10%
Amortized Cost	1	9
Fair Value	1	9
Yield	3.45%	3.98%
Other Debt Obligations [Member]	'	'
Schedule of Available-for-sale Securities [Line Items]	'	'
Amortized Cost	'	611
Gross Unrealized Gains	'	50
Fair Value	'	661
Yield	'	4.60%
Amortized Cost	488	'
Gross Unrealized Gains	37	'
Fair Value	525	'
Yield	4.97%	'
Amortized Cost	488	611
Gross Unrealized Gains	37	50
Fair Value	$525	$661
Yield	4.97%	4.99%

Note_7_Loan_Information_Detail

Note 7 - Loan Information (Details) (USD $)	9 Months Ended	12 Months Ended
	Sep. 30, 2014	Dec. 31, 2013
Note 7 - Loan Information (Details) [Line Items]	'	'
Loans and Leases Receivable, Net of Deferred Income	$282,593,000	$279,667,000
Percentage Of Delinquent Loans Outstanding	0.91%	1.24%
Allowance For Loan Losses Percentage	0.98%	0.99%
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing	0	0
Financing Receivable, Modifications, Number of Contracts	0	0
Mortgage Loans on Real Estate [Member]	'	'
Note 7 - Loan Information (Details) [Line Items]	'	'
Principal Amount Outstanding on Loans Securitized or Asset-backed Financing Arrangement	166,700,000	148,000,000
Residential Mortgage [Member] | Maximum [Member]	'	'
Note 7 - Loan Information (Details) [Line Items]	'	'
Loan To Value Ratio	80.00%	'
Home Equity Line of Credit [Member]	'	'
Note 7 - Loan Information (Details) [Line Items]	'	'
Loan To Value Ratio	80.00%	'
Mortgage Servicing Rights [Member]	'	'
Note 7 - Loan Information (Details) [Line Items]	'	'
Servicing Asset at Amortized Cost	1,480,000	1,410,000
Servicing Asset at Amortized Cost, Additions	58,000	925,000
Servicing Asset at Amortized Cost, Amortization	285,000	300,000
Servicing Asset at Fair Value, Amount	1,940,000	1,670,000
Residential Home Equity And Consumer Portfolio Segments [Member] | All Other [Member]	'	'
Note 7 - Loan Information (Details) [Line Items]	'	'
Loans and Leases Receivable, Net of Deferred Income	193,500,000	'
Residential Home Equity And Consumer Portfolio Segments [Member]	'	'
Note 7 - Loan Information (Details) [Line Items]	'	'
Loans and Leases Receivable, Net of Deferred Income	$194,100,000	'

Note_7_Loan_Information_Detail1

Note 7 - Loan Information (Details) - Loans (USD $)	Sep. 30, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Loans	$281,299	$278,452
Allowance for loan losses	-2,761	-2,792
Deferred loan origination costs, net	1,294	1,215
Net loans	279,832	276,875
Mortgage Loans on Real Estate [Member] | Home Equity Line of Credit [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Loans	46,167	46,742
Allowance for loan losses	-277	-303
Mortgage Loans on Real Estate [Member] | Commercial Real Estate Construction Financing Receivable [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Loans	11,312	7,773
Allowance for loan losses	-356	-211
Mortgage Loans on Real Estate [Member] | Residential Portfolio Segment [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Loans	131,879	137,539
Allowance for loan losses	-988	-1,189
Mortgage Loans on Real Estate [Member] | Commercial Real Estate Other Receivable [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Loans	46,772	48,814
Allowance for loan losses	-732	-748
Mortgage Loans on Real Estate [Member] | Municipal [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Loans	7,500	6,344
Home Equity Line of Credit [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Loans	46,167	46,742
Commercial And Industrial [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Loans	19,906	18,432
Allowance for loan losses	-245	-239
Municipal [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Loans	9,218	8,488
Consumer Portfolio Segment [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Loans	16,045	10,664
Allowance for loan losses	($145)	($102)

Note_7_Loan_Information_Detail2

Note 7 - Loan Information (Details) - Allowance For Loan Losses by Portfolio Segment (USD $)	9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2014	Sep. 30, 2013	Dec. 31, 2013
Financing Receivable, Allowance for Credit Losses [Line Items]	'	'	'
Balance	$2,792	$2,594	'
Allowance for loan losses: Collectively evaluated for impairment	2,761	'	2,792
Balance	2,761	'	2,792
Individually evaluated for impairment	1,333	'	1,325
Collectively evaluated for impairment	279,966	'	277,127
Total loans ending balance	281,299	'	278,452
Charge-offs	-100	-66	'
Recoveries	14	6	'
Provision (benefit)	55	230	'
Balance	2,761	2,764	'
Mortgage Loans on Real Estate [Member] | Home Equity Line of Credit [Member]	'	'	'
Financing Receivable, Allowance for Credit Losses [Line Items]	'	'	'
Balance	303	362	'
Allowance for loan losses: Collectively evaluated for impairment	277	'	303
Balance	277	'	303
Individually evaluated for impairment	'	'	4
Collectively evaluated for impairment	46,167	'	46,738
Total loans ending balance	46,167	'	46,742
Provision (benefit)	-26	-37	'
Balance	277	325	'
Mortgage Loans on Real Estate [Member] | Residential Portfolio Segment [Member]	'	'	'
Financing Receivable, Allowance for Credit Losses [Line Items]	'	'	'
Balance	1,189	1,051	'
Allowance for loan losses: Collectively evaluated for impairment	988	'	1,189
Balance	988	'	1,189
Individually evaluated for impairment	'	'	175
Collectively evaluated for impairment	131,879	'	137,364
Total loans ending balance	131,879	'	137,539
Charge-offs	-98	-44	'
Recoveries	11	2	'
Provision (benefit)	-114	165	'
Balance	988	1,174	'
Mortgage Loans on Real Estate [Member] | Commercial Real Estate Other Receivable [Member]	'	'	'
Financing Receivable, Allowance for Credit Losses [Line Items]	'	'	'
Balance	748	586	'
Allowance for loan losses: Collectively evaluated for impairment	732	'	748
Balance	732	'	748
Individually evaluated for impairment	873	'	924
Collectively evaluated for impairment	53,399	'	54,234
Total loans ending balance	54,272	'	55,158
Provision (benefit)	-16	173	'
Balance	732	759	'
Mortgage Loans on Real Estate [Member] | Commercial Real Estate Construction Financing Receivable [Member]	'	'	'
Financing Receivable, Allowance for Credit Losses [Line Items]	'	'	'
Balance	211	142	'
Allowance for loan losses: Collectively evaluated for impairment	356	'	211
Balance	356	'	211
Individually evaluated for impairment	'	'	222
Collectively evaluated for impairment	11,312	'	7,551
Total loans ending balance	11,312	'	7,773
Provision (benefit)	145	26	'
Balance	356	168	'
Commercial And Industrial [Member]	'	'	'
Financing Receivable, Allowance for Credit Losses [Line Items]	'	'	'
Balance	239	219	'
Allowance for loan losses: Collectively evaluated for impairment	245	'	239
Balance	245	'	239
Individually evaluated for impairment	460	'	'
Collectively evaluated for impairment	21,164	'	20,576
Total loans ending balance	21,624	'	20,576
Recoveries	3	4	'
Provision (benefit)	3	-14	'
Balance	245	209	'
Consumer Portfolio Segment [Member]	'	'	'
Financing Receivable, Allowance for Credit Losses [Line Items]	'	'	'
Balance	102	99	'
Allowance for loan losses: Collectively evaluated for impairment	145	'	102
Balance	145	'	102
Collectively evaluated for impairment	16,045	'	10,664
Total loans ending balance	16,045	'	10,664
Charge-offs	-2	-22	'
Provision (benefit)	45	40	'
Balance	145	117	'
Unallocated Financing Receivables [Member]	'	'	'
Financing Receivable, Allowance for Credit Losses [Line Items]	'	'	'
Balance	'	135	'
Allowance for loan losses: Collectively evaluated for impairment	18	'	'
Balance	18	'	'
Provision (benefit)	18	-123	'
Balance	$18	$12	'

Note_7_Loan_Information_Detail3

Note 7 - Loan Information (Details) - Loans by Risk Rating (USD $)	Sep. 30, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Grade:	'	'
Loans outstanding	$281,299	$278,452
Mortgage Loans on Real Estate [Member] | Home Equity Line of Credit [Member] | Substandard [Member]	'	'
Grade:	'	'
Loans outstanding	'	116
Mortgage Loans on Real Estate [Member] | Home Equity Line of Credit [Member] | All Other [Member]	'	'
Grade:	'	'
Loans outstanding	46,167	46,626
Mortgage Loans on Real Estate [Member] | Home Equity Line of Credit [Member]	'	'
Grade:	'	'
Loans outstanding	46,167	46,742
Mortgage Loans on Real Estate [Member] | Residential Portfolio Segment [Member] | Substandard [Member]	'	'
Grade:	'	'
Loans outstanding	479	1,601
Mortgage Loans on Real Estate [Member] | Residential Portfolio Segment [Member] | All Other [Member]	'	'
Grade:	'	'
Loans outstanding	131,400	135,938
Mortgage Loans on Real Estate [Member] | Residential Portfolio Segment [Member]	'	'
Grade:	'	'
Loans outstanding	131,879	137,539
Mortgage Loans on Real Estate [Member] | Commercial And Municipal Loan [Member] | Pass [Member]	'	'
Grade:	'	'
Loans outstanding	49,387	50,520
Mortgage Loans on Real Estate [Member] | Commercial And Municipal Loan [Member] | Special Mention [Member]	'	'
Grade:	'	'
Loans outstanding	4,012	2,661
Mortgage Loans on Real Estate [Member] | Commercial And Municipal Loan [Member] | Substandard [Member]	'	'
Grade:	'	'
Loans outstanding	873	1,977
Mortgage Loans on Real Estate [Member] | Commercial And Municipal Loan [Member]	'	'
Grade:	'	'
Loans outstanding	54,272	55,158
Mortgage Loans on Real Estate [Member] | Commercial Real Estate Construction Financing Receivable [Member] | Pass [Member]	'	'
Grade:	'	'
Loans outstanding	10,852	6,042
Mortgage Loans on Real Estate [Member] | Commercial Real Estate Construction Financing Receivable [Member] | Special Mention [Member]	'	'
Grade:	'	'
Loans outstanding	'	1,163
Mortgage Loans on Real Estate [Member] | Commercial Real Estate Construction Financing Receivable [Member] | Substandard [Member]	'	'
Grade:	'	'
Loans outstanding	460	568
Mortgage Loans on Real Estate [Member] | Commercial Real Estate Construction Financing Receivable [Member]	'	'
Grade:	'	'
Loans outstanding	11,312	7,773
Home Equity Line of Credit [Member]	'	'
Grade:	'	'
Loans outstanding	46,167	46,742
Commercial and Industrial and Non Real Estate Municipal [Member] | Pass [Member]	'	'
Grade:	'	'
Loans outstanding	18,519	18,425
Commercial and Industrial and Non Real Estate Municipal [Member] | Special Mention [Member]	'	'
Grade:	'	'
Loans outstanding	3,105	1,175
Commercial and Industrial and Non Real Estate Municipal [Member] | Substandard [Member]	'	'
Grade:	'	'
Loans outstanding	'	976
Commercial and Industrial and Non Real Estate Municipal [Member]	'	'
Grade:	'	'
Loans outstanding	21,624	20,576
Consumer Portfolio Segment [Member] | Substandard [Member]	'	'
Grade:	'	'
Loans outstanding	90	'
Consumer Portfolio Segment [Member] | All Other [Member]	'	'
Grade:	'	'
Loans outstanding	15,955	10,664
Consumer Portfolio Segment [Member]	'	'
Grade:	'	'
Loans outstanding	16,045	10,664
Pass [Member]	'	'
Grade:	'	'
Loans outstanding	78,758	74,987
Special Mention [Member]	'	'
Grade:	'	'
Loans outstanding	7,117	4,999
Substandard [Member]	'	'
Grade:	'	'
Loans outstanding	1,902	5,238
All Other [Member]	'	'
Grade:	'	'
Loans outstanding	$193,522	$193,228

Note_7_Loan_Information_Detail4

Note 7 - Loan Information (Details) - Age Analysis of Past Due Loans Segregated by Class of Loans (USD $)	Sep. 30, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Real estate:	'	'
30-59 Days	$266	$128
60-89 Days	'	814
90 Days or More	365	2,490
Total Past Due	631	3,432
Total Current	280,668	275,020
Total Loans	281,299	278,452
Mortgage Loans on Real Estate [Member] | Home Equity Line of Credit [Member]	'	'
Real estate:	'	'
30-59 Days	175	'
60-89 Days	'	94
90 Days or More	'	83
Total Past Due	175	177
Total Current	45,992	46,565
Total Loans	46,167	46,742
Mortgage Loans on Real Estate [Member] | Residential Portfolio Segment [Member]	'	'
Real estate:	'	'
60-89 Days	'	720
90 Days or More	365	1,253
Total Past Due	365	1,973
Total Current	131,514	135,566
Total Loans	131,879	137,539
Mortgage Loans on Real Estate [Member] | Commercial Real Estate Other Receivable [Member]	'	'
Real estate:	'	'
90 Days or More	'	924
Total Past Due	'	924
Total Current	46,772	47,890
Total Loans	46,772	48,814
Mortgage Loans on Real Estate [Member] | Commercial Real Estate Construction Financing Receivable [Member]	'	'
Real estate:	'	'
90 Days or More	'	204
Total Past Due	'	204
Total Current	11,312	7,569
Total Loans	11,312	7,773
Mortgage Loans on Real Estate [Member] | Municipal [Member]	'	'
Real estate:	'	'
Total Current	7,500	6,344
Total Loans	7,500	6,344
Non Real Estate [Member] | Municipal [Member]	'	'
Real estate:	'	'
Total Current	1,718	2,144
Total Loans	1,718	2,144
Home Equity Line of Credit [Member]	'	'
Real estate:	'	'
Total Loans	46,167	46,742
Municipal [Member]	'	'
Real estate:	'	'
Total Loans	9,218	8,488
Commercial And Industrial [Member]	'	'
Real estate:	'	'
Total Current	19,906	18,432
Total Loans	19,906	18,432
Consumer Portfolio Segment [Member]	'	'
Real estate:	'	'
30-59 Days	91	128
90 Days or More	'	26
Total Past Due	91	154
Total Current	15,954	10,510
Total Loans	$16,045	$10,664

Note_7_Loan_Information_Detail5

Note 7 - Loan Information (Details) - Nonaccrual Loans (USD $)	Sep. 30, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Note 7 - Loan Information (Details) - Nonaccrual Loans [Line Items]	'	'
Non-accrual loans	$1,937	$2,849
Home Equity Line of Credit [Member]	'	'
Note 7 - Loan Information (Details) - Nonaccrual Loans [Line Items]	'	'
Non-accrual loans	'	83
Residential Portfolio Segment [Member]	'	'
Note 7 - Loan Information (Details) - Nonaccrual Loans [Line Items]	'	'
Non-accrual loans	602	1,597
Commercial Real Estate Other Receivable [Member]	'	'
Note 7 - Loan Information (Details) - Nonaccrual Loans [Line Items]	'	'
Non-accrual loans	873	924
Commercial Real Estate Construction Financing Receivable [Member]	'	'
Note 7 - Loan Information (Details) - Nonaccrual Loans [Line Items]	'	'
Non-accrual loans	'	222
Commercial And Industrial [Member]	'	'
Note 7 - Loan Information (Details) - Nonaccrual Loans [Line Items]	'	'
Non-accrual loans	460	'
Consumer Portfolio Segment [Member]	'	'
Note 7 - Loan Information (Details) - Nonaccrual Loans [Line Items]	'	'
Non-accrual loans	$2	$23

Note_7_Loan_Information_Detail6

Note 7 - Loan Information (Details) - Information about Loans that Meet Definition of Impaired Loan (Mortgage Loans on Real Estate [Member], USD $)	9 Months Ended	12 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2014	Dec. 31, 2013
With no related allowance recorded:	'	'
Recorded Investment	$1,333	$1,325
Unpaind Principal Balance	1,333	1,325
Average Recorded Investment	1,520	1,324
Interest Income Recognized	'	9
Total	'	'
Recorded Investment	1,333	1,325
Unpaind Principal Balance	1,333	1,325
Average Recorded Investment	1,520	1,324
Interest Income Recognized	'	9
Home Equity Line of Credit [Member]	'	'
With no related allowance recorded:	'	'
Recorded Investment	'	4
Unpaind Principal Balance	'	4
Average Recorded Investment	'	5
Total	'	'
Recorded Investment	'	4
Unpaind Principal Balance	'	4
Average Recorded Investment	'	5
Commercial Real Estate Other Receivable [Member]	'	'
With no related allowance recorded:	'	'
Recorded Investment	873	924
Unpaind Principal Balance	873	924
Average Recorded Investment	899	929
Interest Income Recognized	'	3
Total	'	'
Recorded Investment	873	924
Unpaind Principal Balance	873	924
Average Recorded Investment	899	929
Interest Income Recognized	'	3
Commercial Real Estate Construction Financing Receivable [Member]	'	'
With no related allowance recorded:	'	'
Recorded Investment	'	222
Unpaind Principal Balance	'	222
Average Recorded Investment	147	212
Total	'	'
Recorded Investment	'	222
Unpaind Principal Balance	'	222
Average Recorded Investment	147	212
Commercial And Industrial [Member]	'	'
With no related allowance recorded:	'	'
Recorded Investment	460	'
Unpaind Principal Balance	460	'
Average Recorded Investment	474	'
Total	'	'
Recorded Investment	460	'
Unpaind Principal Balance	460	'
Average Recorded Investment	474	'
Residential Portfolio Segment [Member]	'	'
With no related allowance recorded:	'	'
Recorded Investment	'	175
Unpaind Principal Balance	'	175
Average Recorded Investment	'	178
Interest Income Recognized	'	6
Total	'	'
Recorded Investment	'	175
Unpaind Principal Balance	'	175
Average Recorded Investment	'	178
Interest Income Recognized	'	$6

Note_9_Other_Comprehensive_Inc2

Note 9 - Other Comprehensive Income (Loss) (Details) - Reclassification of Other Comprehensive Income (USD $)	3 Months Ended				9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2014		Sep. 30, 2013		Sep. 30, 2014		Sep. 30, 2013
Reclassification of Other Comprehensive Income [Abstract]	'		'		'		'
Change in net unrealized holding gain/loss on available-for-sale securities	($250)		($6)		$1,977		($3,241)
Reclassification adjustment for realized gains and writedowns, net, in net income (1)	'	[1]	6	[1]	-96	[1]	-98	[1]
Other comprehensive loss before income tax effect	-250		'		1,881		-3,339
Income tax benefit	85		'		-640		1,136
Other comprehensive loss, net of tax	($165)		'		$1,241		($2,203)
[1]	Reclassification adjustments are comprised of realized security gains/losses and writedowns. The gains/losses and writedowns have been reclassified out of accumulated other comprehensive loss and have affected certain lines in the consolidated statements of operations as follows: the pre-tax amount is included in gain on sales and writedowns of available- for- sale securities, net, the tax expense amount is included in income tax provision (benefit) and the after tax amount is included in net income.