SBT Bancorp (SBTB) 10-Q 15 May 15 2015 Q1 Quarterly report Financial data

Document_And_Entity_Informatio

Document And Entity Information	3 Months Ended
	Mar. 31, 2015	Apr. 30, 2015
Document and Entity Information [Abstract]
Entity Registrant Name	SBT Bancorp, Inc.
Document Type	10-Q
Current Fiscal Year End Date	-19
Entity Common Stock, Shares Outstanding		905,936
Amendment Flag	FALSE
Entity Central Index Key	1354174
Entity Current Reporting Status	Yes
Entity Voluntary Filers	No
Entity Filer Category	Smaller Reporting Company
Entity Well-known Seasoned Issuer	No
Document Period End Date	31-Mar-15
Document Fiscal Year Focus	2015
Document Fiscal Period Focus	Q1

Condensed_Consolidated_Balance

Condensed Consolidated Balance Sheets (Current Period Unaudited) (USD $)	Mar. 31, 2015	Dec. 31, 2014
In Thousands, unless otherwise specified
Cash and due from banks	$9,934	$10,118
Interest-bearing deposits with the Federal Reserve Bank and Federal Home Loan Bank	4,016	9,696
Money market mutual funds	509	1
Federal funds sold	43	5
Cash and cash equivalents	14,502	19,820
Investments in available-for-sale securities (at fair value)	81,332	83,805
Federal Home Loan Bank stock, at cost	1,881	1,801
Loans held-for-sale	4,531	5,374
Loans	292,252	286,142
Less allowance for loan losses	2,799	2,761
Loans, net	289,453	283,381
Premises and equipment, net	1,426	1,460
Accrued interest receivable	1,004	1,095
Other real estate owned		105
Bank owned life insurance	7,236	7,184
Other assets	4,477	4,815
Total assets	405,842	408,840
Deposits:
Demand deposits	108,596	117,261
Savings and NOW deposits	192,092	177,158
Time deposits	59,874	61,646
Total deposits	360,562	356,065
Securities sold under agreements to repurchase	3,078	3,921
Federal Home Loan Bank advances	10,500	17,500
Other liabilities	1,669	1,882
Total liabilities	375,809	379,368
Stockholders' equity:
Common stock, no par value; authorized 2,000,000 shares; issued and outstanding 906,350 shares and 905,936 shares, respectively, as of March 31, 2015 and 898,105 shares and 897,691 shares, respectively, as of December 31, 2014	10,313	10,127
Retained earnings	10,741	10,549
Treasury stock, 414 shares	-7	-7
Unearned compensation-restricted stock awards	-375	-207
Accumulated other comprehensive income	370	22
Total stockholders' equity	30,033	29,472
Total liabilities and stockholders' equity	405,842	408,840
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 March 31, 2015 and December 31, 2014; liquidation value of $1,000 per share	$8,991	$8,988

Condensed_Consolidated_Balance1

Condensed Consolidated Balance Sheets (Current Period Unaudited) (Parentheticals) (USD $)	Mar. 31, 2015	Dec. 31, 2014
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	906,350	898,105
Common stock, shares outstanding	905,936	897,691
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 Operations and Comprehensive Income (Unaudited) (USD $)	3 Months Ended
In Thousands, except Share data, unless otherwise specified	Mar. 31, 2015	Mar. 31, 2014
Interest and dividend income:
Interest and fees on loans	$2,641	$2,611
Investment securities	434	480
Federal funds sold and overnight deposits	7	11
Total interest and dividend income	3,082	3,102
Interest expense:
Deposits	185	212
Federal Home Loan Bank advances	8	2
Repurchase agreements	1	1
Total interest expense	194	215
Net interest and dividend income	2,888	2,887
Provision for loan losses	50	30
Net interest and dividend income after provision for loan losses	2,838	2,857
Noninterest income:
Service charges on deposit accounts	104	118
Gain on sales of available-for-sale securities, net	43
Other service charges and fees	64	207
Increase in cash surrender value of life insurance policies	52	49
Mortgage banking activities	216	39
Investment services fees and commissions	34	61
Other income	17	38
Total noninterest income	530	512
Noninterest expense:
Salaries and employee benefits	1,580	1,973
Occupancy expense	377	347
Equipment expense	102	101
Advertising and promotions	105	103
Forms and supplies	32	35
Professional fees	105	77
Directorsb fees	51	67
Correspondent charges	29	80
Postage	1	22
FDIC assessment	78	103
Data processing	144	145
Other expenses	365	307
Total noninterest expense	2,969	3,360
Income before income taxes	399	9
Income tax (benefit) provision	56	-69
Net income	343	78
Net income available to common stockholders	$317	$52
Weighted average shares outstanding, basic (in Shares)	887,891	880,075
Earnings per common share, basic (in Dollars per share)	$0.36	$0.06
Weighted average shares outstanding, assuming dilution (in Shares)	888,988	887,004
Earnings per common share, assuming dilution (in Dollars per share)	$0.36	$0.06

Condensed_Consolidated_Stateme1

Condensed Consolidated Statements of Comprehensive Income (Unaudited) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Mar. 31, 2014
Net income	$343	$78
Other comprehensive income, net of tax:
Net change in unrealized holding gain on securities available for sale	568	1,050
Reclassification adjustment for net realized gains in net income	-43
Other comprehensive income, before tax	525	1,050
Income tax expense related to items of other comprehensive income	-177	-357
Other comprehensive income, net of tax	348	693
Comprehensive income	$691	$771

Condensed_Consolidated_Stateme2

Condensed Consolidated Statements of Changes in Stockholders' Equity [Unaudited] (USD $)	Series C Preferred Stock [Member]	Common Stock [Member]	Retained Earnings [Member]	Treasury Stock [Member]	Unallocated Employee Stock Ownership Plan [Member]	Accumulated Other Comprehensive Income (Loss) [Member]	Total
In Thousands	Preferred Stock [Member]
Balance at Dec. 31, 2013	$8,976	$10,136	$10,347	($7)	($401)	($1,655)	$27,396
Net income			78				78
Other comprehensive income, net of tax effect						693	693
Preferred stock dividends			-23				-23
Preferred stock amortization (accretion)	3		-3
Stock based compensation					39		39
Dividends declared common stock			-122				-122
Forfeited restricted stock awards		-90			90
Restricted stock awards		41			-41
Common stock issued		10					10
Balance at Mar. 31, 2014	8,979	10,097	10,277	-7	-313	-962	28,071
Balance at Dec. 31, 2014	8,988	10,127	10,549	-7	-207	22	29,472
Net income			343				343
Other comprehensive income, net of tax effect						348	348
Preferred stock dividends			-23				-23
Preferred stock amortization (accretion)	3		-3
Stock based compensation					9		9
Dividends declared common stock			-125				-125
Restricted stock awards		177			-177
Common stock issued		9					9
Balance at Mar. 31, 2015	$8,991	$10,313	$10,741	($7)	($375)	$370	$30,033

Condensed_Consolidated_Stateme3

Condensed Consolidated Statements of Cash Flows (Unaudited) (USD $)	3 Months Ended
	Mar. 31, 2015	Mar. 31, 2014
Cash flows from operating activities:
Net income	$343,000	$78,000
Adjustments to reconcile net income to net cash provided by operating activities:
Amortization of securities, net	99,000	98,000
Amortization of mortgage servicing rights	150,000	90,000
Gain on sales of available-for-sale securities	-43,000
Change in deferred origination costs, net	25,000	-12,000
Provision for loan losses	50,000	30,000
Loans originated for sale	-15,017,000	-5,148,000
Proceeds from sales of loans	16,076,000	5,050,000
Gains on sales of loans	-216,000	-30,000
Gain on sale of other real estate owned	-9,000
Depreciation and amortization	111,000	96,000
Accretion on impairment of operating lease	-11,000	-11,000
Increase in other assets	-56,000	-582,000
Decrease in interest receivable	91,000	85,000
Decrease (increase) in taxes receivable	54,000	-69,000
Increase in cash surrender value of bank owned life insurance	-52,000	-49,000
Stock-based compensation	9,000	39,000
(Decrease) increase in other liabilities	-218,000	165,000
Increase in interest payable	16,000	8,000
Net cash provided by (used in) operating activities	1,402,000	-162,000
Cash flows from investing activities:
Purchases of Federal Home Loan Bank stock	-80,000
Proceeds from maturities of available-for-sale securities	2,354,000	1,707,000
Proceeds from sales of available-for-sale securities	588,000	0
Loan originations and principal collections, net	-4,045,000	1,156,000
Loans purchased	-2,103,000
Recoveries of loans previously charged off	1,000	10,000
Proceeds from sale of other real estate owned	114,000
Capital expenditures	-64,000	-120,000
Net cash (used in) provided by investing activities	-3,235,000	2,753,000
Cash flows from financing activities:
Net increase in demand deposits, NOW and savings accounts	6,269,000	13,562,000
Decrease in time deposits	-1,772,000	-472,000
Net decrease in securities sold under agreements to repurchase	-843,000	-1,055,000
Paydown of Federal Home Loan Bank advances	-7,000,000	-30,000,000
Proceeds from issuance of common stock	9,000	10,000
Dividends paid - preferred stock	-23,000	-23,000
Dividends paid - common stock	-125,000	-122,000
Net cash used in financing activities	-3,485,000	-18,100,000
Net decrease in cash and cash equivalents	-5,318,000	-15,509,000
Cash and cash equivalents at beginning of period	19,820,000	38,590,000
Cash and cash equivalents at end of period	14,502,000	23,081,000
Supplemental disclosures:
Interest paid	178,000	207,000
Loan transferred to other real estate owned		$155,000

Note_1_Basis_of_Presentation

Note 1 - Basis of Presentation	3 Months Ended
	Mar. 31, 2015
Disclosure Text Block [Abstract]
Nature of Operations [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 (GAAP) 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 dates of the balance sheets and revenues and expenses for the periods presented. 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, 2015.
	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, 2014.

Note_2_Stockbased_Compensation

Note 2 - Stock-based Compensation	3 Months Ended
	Mar. 31, 2015
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 March 31, 2015, 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 three months ended March 31, 2015, the Company recognized $9 thousand in stock-based employee compensation expense. During the three months ended March 31, 2014, the Company recognized $39 thousand in stock-based employee compensation expense.

Note_3_Recent_Accounting_Prono

Note 3 - Recent Accounting Pronouncements	3 Months Ended
	Mar. 31, 2015
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 annual periods and interim reporting periods within those annual periods, beginning after December 15, 2014. Early adoption is permitted. The adoption of this guidance did not have a material impact on the Company's 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. The Company can elect to adopt the amendments in this ASU using either a modified retrospective transition method or a prospective transition method. The adoption of this guidance did not have a material impact on the Company's consolidated financial statements.
	In May 2014, the Financial Accounting Standards Board (FASB) issued Accounting Standards Update (ASU) 2014-09, “Revenue from Contracts with Customers (Topic 606).” The objective of this ASU is 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 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 is prohibited. The adoption of this guidance did not have an impact on the Company's 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 anticipates that the adoption of this guidance will not 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 Accounting Standards Codification (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 an 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 adoption of this ASU did not have an impact on the Company's consolidated financial statements.
	In August 2014, the FASB issued ASU 2014-15, “Presentation of Financial Statements – Going Concern (Subtopic 205-40).” The amendments in this ASU provide guidance about management’s responsibility to evaluate whether there is substantial doubt about an entity’s ability to continue as a going concern and to provide related footnote disclosures. The amendments require management to assess an entity’s ability to continue as a going concern by incorporating and expanding upon certain principles that are currently in U.S. auditing standards. Specifically, the amendments (1) provide a definition of the term substantial doubt, (2) require an evaluation every reporting period including interim periods, (3) provide principles for considering the mitigating effect of management’s plans, (4) require certain disclosures when substantial doubt is alleviated as a result of consideration of management’s plans, (5) require an express statement and other disclosures when substantial doubt is not alleviated, and (6) require an assessment for a period of one year after the date that the financial statements are issued (or available to be issued). The amendments in this ASU are effective for the annual period ending after December 15, 2016, and for annual periods and interim periods thereafter. Early application is permitted. The adoption of this guidance is not expected to have an impact on the Company’s results of operations or financial position.
	In February 2015, the FASB issued ASU 2015-02, “Consolidation (Topic 810): Amendments to the Consolidation Analysis.” The amendments in this ASU affect reporting entities that are required to evaluate whether they should consolidate certain legal entities. Specifically, the amendments: (1) Modify the evaluation of whether limited partnerships and similar legal entities are variable interest entities (“VIEs”) or voting interest entities; (2) Eliminate the presumption that a general partner should consolidate a limited partnership; (3) Affect the consolidation analysis of reporting entities that are involved with VIEs, particularly those that have fee arrangements and related party relationships; and (4) Provide a scope exception from consolidation guidance for reporting entities with interests in legal entities that are required to comply with or operate in accordance with requirements that are similar to those in Rule 2a-7 of the Investment Company Act of 1940 for registered money market funds. ASU 2015-02 is effective for interim and annual reporting 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 April 2015, the FASB issued ASU 2015-03, “Interest - Imputation of Interest (Subtopic 835-30): Simplifying the Presentation of Debt Issuance Costs.” The amendments in this ASU require that debt issuance costs related to a recognized debt liability be presented in the balance sheet as a direct deduction from the carrying amount of that debt liability, consistent with debt discounts. The recognition and measurement guidance for debt issuance costs are not affected by the amendments in this ASU. The standard is effective for interim and annual reporting periods beginning after December 15, 2015, with early adoption permitted. The guidance should be applied on a retrospective basis. The Company anticipates that the adoption of this ASU will not have a material impact on its consolidated financial statements.
	In April 2015, the FASB issued ASU 2015-05, “Intangibles – Goodwill and Other - Internal-Use Software (Subtopic 350-40): Customer’s Accounting for Fees Paid in a Cloud Computing Arrangement.” This ASU provides guidance to customers about whether a cloud computing arrangement includes a software license. If a cloud computing arrangement includes a software license, the customer should account for the software license element of the arrangement consistent with the acquisition of other software licenses. If a cloud computing arrangement does not include a software license, the customer should account for the arrangement as a service contract. The new guidance does not change the accounting for a customer’s accounting for service contracts. ASU 2015-05 is effective for interim and annual reporting 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.

Note_4_Fair_Value_Measurements

Note 4 - Fair Value Measurements	3 Months Ended
	Mar. 31, 2015
Fair Value Disclosures [Abstract]
Fair Value Disclosures [Text Block]	NOTE 4 – FAIR VALUE MEASUREMENTS
	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 financial instrument’s level within the fair value hierarchy is based on the lowest level of input that is significant to the fair value measurement. The Company did not have any significant transfers of assets or liabilities to or from Levels 1 and 2 of the fair value hierarchy during the three months ended March 31, 2015.
	A description of the valuation methodologies used for instruments measured at fair value, as well as the general classification of such instruments pursuant to the valuation hierarchy, is set forth below. These valuation methodologies were applied to all of the Company’s financial assets and financial liabilities carried at fair value for March 31, 2015 and December 31, 2014.
	The Company’s investment in obligations of states and municipalities, mortgage-backed securities and other debt securities available-for-sale are generally classified within Level 2 of the fair value hierarchy. For these securities, we obtain fair value measurements from independent pricing services. The fair value measurements consider observable data that may include dealer quotes, market spreads, cash flows, the U.S. treasury yield curve, trading levels, market consensus prepayment speeds, credit information, and the instrument’s terms and conditions.
	Level 3 is for positions that are not traded in active markets or are subject to transfer restrictions,valuations are adjusted to reflect illiquidity and/or non-transferability, and such adjustments are generally based on available market evidence. In the absence of such evidence, management’s best estimate is used. Subsequent to inception, management only changes Level 3 inputs and assumptions when corroborated by evidence such as transactions in similar instruments, completed or pending third-party transactions in the underlying investment or comparable entities, subsequent rounds of financing, recapitalization and other transactions across the capital structure, offerings in the equity or debt markets, and changes in financial ratios or cash flows.
	The Company’s impaired loans are reported at the fair value of the underlying collateral if repayment is expected solely from the collateral. Collateral values are estimated using Level 2 inputs based upon appraisals of similar properties obtained from a third party. For Level 3 inputs, fair values are based on management estimates.
	Other real estate owned values are estimated using Level 2 inputs based upon appraisals of similar properties obtained from a third party. For Level 3 inputs, fair values are based on management estimates.
	The following summarizes assets measured at fair value at March 31, 2015 and December 31, 2014.
	Assets Measured at Fair Value on a Recurring Basis
			Fair Value Measurements at Reporting Date Using:
				Quoted prices in		Significant		Significant
				Active Markets for		Other Observable		Unobservable
				Identical Assets		Inputs		Inputs
		Total		Level 1		Level 2		Level 3
		(In Thousands)
	March 31, 2015:
	Debt securities issued by U.S. government corporations and agencies	$	17,715	$	-	$	17,715	$	-
	Obligations of states and municipalities		16,032		-		16,032		-
	Mortgage-backed securities		47,133		-		47,133		-
	SBA loan pools		452		-		452		-
		$	81,332	$	-	$	81,332	$	-
	December 31, 2014:
	Debt securities issued by U.S. government corporations and agencies	$	18,064	$	-	$	18,064	$	-
	Obligations of states and municipalities		16,599		-		16,599		-
	Mortgage-backed securities		48,668		-		48,668		-
	SBA loan pools		474		-		474		-
		$	83,805	$	-	$	83,805	$	-
	Assets Measured at Fair Value on a Nonrecurring Basis
				Fair Value Measurements at Reporting Date Using:
				Quoted prices in		Significant		Significant
				Active Markets for		Other Observable		Unobservable
				Identical Assets		Inputs		Inputs
		Total		Level 1		Level 2		Level 3
		(In Thousands)
	March 31, 2015:
	Impaired loans	$	1,241					$	1,241
		$	1,241	$	-	$	-	$	1,241
				Fair Value Measurements at Reporting Date Using:
				Quoted prices in		Significant		Significant
				Active Markets for		Other Observable		Unobservable
				Identical Assets		Inputs		Inputs
		Total		Level 1		Level 2		Level 3
		(In Thousands)
	December 31, 2014:
	Impaired loans	$	433					$	433
	Other real estate owned		105		-		-		105
		$	538	$	-	$	-	$	538
	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 March 31, 2015 and December 31, 2014:
		31-Mar-15
		Carrying		Fair Value
		Amount		Level 1		Level 2		Level 3		Total
		(In Thousands)
	Financial assets:
	Cash and cash equivalents	$	14,502	$	14,502	$	-	$	-	$	14,502
	Available-for-sale securities		81,332		-		81,332		-		81,332
	Federal Home Loan Bank stock		1,881		1,881		-		-		1,881
	Loans held-for-sale		4,531						4,494		4,494
	Loans, net		289,453		-		-		292,713		292,713
	Accrued interest receivable		1,004		1,004		-		-		1,004
	Financial liabilities:
Deposits		360,562		-		355,486		-		355,486
Securities sold under agreements to repurchase		3,078		-		3,335		-		3,335
Federal Home Loan Bank advances		10,500		-		10,500		-		10,500
	31-Dec-14
	Carrying		Fair Value
	Amount		Level 1		Level 2		Level 3		Total
	(In Thousands)
Financial assets:
Cash and cash equivalents	$	19,820	$	19,820	$	-	$	-	$	19,820
Available-for-sale securities		83,805		-		83,805		-		83,805
Federal Home Loan Bank stock		1,801		1,801		-		-		1,801
Loans held-for-sale		5,374		-		-		5,499		5,499
Loans, net		283,381		-		-		285,439		285,439
Accrued interest receivable		1,095		1,095		-		-		1,095
Financial liabilities:
Deposits		356,065		-		356,353		-		356,353
Securities sold under agreements to repurchase		3,921		-		3,921		-		3,921
Federal Home Loan Bank advances		17,500		-		17,500		-		17,500

Note_5_Earnings_Per_Common_Sha

Note 5 - Earnings Per Common Share	3 Months Ended
	Mar. 31, 2015
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 shared 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 months ended March 31, 2015 and 2014:
		For the three months ended
		3/31/15			3/31/14
		(In Thousands, Except Per Share Data)
	Basic earnings per share computation:
	Net income	$	343		$	78
	Preferred stock net accretion		(3	)		(3	)
	Cumulative preferred stock dividends		(23	)		(23	)
	Net income available to common stockholders	$	317		$	52
	Weighted average shares outstanding, basic		887,891			880,075
	Basic earnings per share	$	0.36		$	0.06
	Diluted earnings per share computation:
	Net income	$	343		$	78
	Preferred stock net accretion		(3	)		(3	)
	Cumulative preferred stock dividends		(23	)		(23	)
	Net income available to common stockholders	$	317		$	52
	Weighted average shares outstanding, before dilution		887,891			880,075
	Dilutive potential shares		1,097			6,929
	Weighted average shares outstanding, assuming dilution		888,988			887,004
	Diluted earnings per share	$	0.36		$	0.06

Note_6_Investment_Securities

Note 6 - Investment Securities	3 Months Ended
	Mar. 31, 2015
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
		(In Thousands)
	March 31, 2015:
	Debt securities issued by U.S. government corporations and agencies	$	1,994	$	6	$	4,978	$	20	$	6,972		$	26
	Obligations of states and municipalities		917		13		1,472		29		2,389			42
	Mortgage-backed securities		885		1		28,388		279		29,273			280
	Total temporarily impaired securities	$	3,796	$	20	$	34,838	$	328	$	38,634		$	348
	Other-than-temporarily impaired securities
	Mortgage-backed securities		19		-		266		25	$	285			25
	Total temporarily impaired and other- than-temporarily impaired securities	$	3,815	$	20	$	35,104	$	353	$	38,919		$	373
	December 31, 2014:
	Debt securities issued by U.S. Government corporations and agencies	$	4,486	$	12		13,077	$	127	$	17,563		$	139
	Obligations of states and municipalities		526		12		1,772		40		2,298			52
	Mortgage-backed securities		1,422		6		36,550		593		37,972			599
	Total temporarily impaired securities		6,434		30		51,399		760		57,833			790
	Other-than-temporarily impaired securities:
	Mortgage-backed securities		-		-		274		30		274			30
	Total temporarily impaired and other- than-temporarily impaired securities	$	6,434	$	30		51,673	$	790	$	58,107		$	820
	The investments in the Company’s investment portfolio that were temporarily impaired as of March 31, 2015 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, unless otherwise noted above.
	The following tables summarize the amounts and distribution of the Company’s investment securities held as of March 31, 2015 and December 31, 2014:
		INVESTMENT PORTFOLIO
		(Dollars in thousands)
		31-Mar-15
		Amortized		Unrealized		Unrealized		Fair
		Cost		Gains		Loss		Value		Yield
	AVAILABLE-FOR-SALE SECURITIES
	U.S. government and agency securities
	Due after one to five years	$	17,202	$	30	$	26	$	17,206		1.24	%
	Due after five to ten years		500		9		-		509		2	%
	Total U.S. government and agency securities		17,702		39		26		17,715		1.26	%
	State and municipal securities
	Due after five to ten years		4,844		176		21		4,999		3.59	%
	Due after ten to fifteen years		8,047		453		19		8,481		4.3	%
	Due beyond fifteen years		2,512		42		2		2,552		3.2	%
	Total state and municipal securities		15,403		671		42		16,032		3.88	%
	Mortgage-backed securities
	Due after one to five years		520		11		-		531		2.86	%
	Due after five to ten years		1,697		41		1		1,737		2.2	%
	Due after ten to fifteen years		27,749		75		175		27,649		1.79	%
	Due beyond fifteen years		17,285		60		129		17,216		1.95	%
	Total mortgage-backed securities		47,251		187		305		47,133		1.98	%
	SBA loan pool
	Due after ten to fifteen years		417		35		-		452		4.96	%
	Total SBA loan pool		417		35		-		452		4.96	%
	Total available-for-sale securities	$	80,773	$	932	$	373	$	81,332		2.33	%
		INVESTMENT PORTFOLIO
		(Dollars in thousands)
		December 31,2014
		Amortized		Unrealized		Unrealized		Fair
		Cost		Gains		Loss		Value		Yield
	AVAILABLE-FOR-SALE SECURITIES
	U.S. government and agency securities
	Due after one to five years	$	16,702	$	1	$	135	$	16,568		1.21	%
	Due after five to ten years		1,500		-		4		1,496		1.83	%
	Total U.S. government and agency securities		18,202		1		139		18,064		1.27	%
	State and municipal securities
	Due after one to five years		559		24		-		583		2.26	%
	Due after five to ten years		4,835		184		31		4,988		3.22	%
	Due after ten to fifteen years		8,065		445		21		8,489		3.23	%
	Due beyond fifteen years		2,513		26		-		2,539		3.09	%
Total state and municipal securities		15,972		679		52		16,599		3.18	%
Mortgage-backed securities
Due within one year		-		-		-		-		-
Due after one to five years		588		14		-		602		2.97	%
Due after five to ten years		1,846		36		1		1,881		2.25	%
Due after ten to fifteen years		28,811		42		360		28,493		1.78	%
Due beyond fifteen years		17,912		48		268		17,692		2.38	%
Total mortgage-backed securities		49,157		140		629		48,668		2.03	%
SBA loan pool
Due after ten to fifteen years		440		34		-		474		4.96	%
Total SBA loan pool		440		34		-		474		4.96	%
Total available-for-sale securities	$	83,771	$	854	$	820	$	83,805		2.36	%
During the three months ended March 31, 2015, there were proceeds of $588 thousand from sales of available-for-sale securities. Gross realized gains on these sales amounted to $43 thousand. The tax expense applicable to these gross realized gains amounted to $15 thousand.
During the three months ended March 31, 2014, the Company did not sell any available-for-sale securities.

Note_7_Loan_Information

Note 7 - Loan Information	3 Months Ended
	Mar. 31, 2015
Receivables [Abstract]
Loans, Notes, Trade and Other Receivables Disclosure [Text Block]	NOTE 7 – LOAN INFORMATION
	Loans consisted of the following as of March 31, 2015 and December 31, 2014:
		31-Mar-15			31-Dec-14
		(In Thousands)
	Commercial and industrial	$	22,019		$	19,038
	Real estate - construction and land development		19,184			13,234
	Real estate - residential		133,989			132,553
	Real estate - commercial		43,796			46,982
	Municipal		10,304			10,061
	Home equity		45,336			46,403
	Consumer		16,354			16,576
			290,982			284,847
	Allowance for loan losses		(2,799	)		(2,761	)
	Deferred loan origination costs, net		1,270			1,295
	Net loans	$	289,453		$	283,381
	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 three months ended March 31, 2015.
	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 made for the purpose of financing automobiles, various types of consumer goods and other personal purposes. Most of the Bank’s consumer loans are secured by personal property purchased with the proceeds of such consumer loans.
	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 are 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 tables present the allowance for loan losses by portfolio segment for the three months ended March 31, 2015 and March 31, 2014:
		Real Estate:
		Residential			Commercial			Construction and Land Development		Home Equity			Commercial		Consumer			Unallocated			Total
													& Industrial
		(In thousands)
	March 31, 2015:
	Allowance for loan losses:
	Beginning balance	$	1,085		$	738		$	249	$	324		$	227	$	134		$	4		$	2,761
	Charge-offs		(13	)		-			-		-			-		-			-			(13	)
	Recoveries		1			-			-		-			-		-			-			1
	(Benefit) provision		(29	)		(47	)		131		(8	)		16		(9	)		(4	)		50
	Ending balance	$	1,044		$	691		$	380	$	316		$	243	$	125		$	-		$	2,799
		Real Estate:
		Residential			Commercial			Construction and Land Development		Home Equity			Commercial		Consumer			Unallocated			Total
													& Industrial
		(In thousands)
	March 31, 2014:
	Allowance for loan losses:
	Beginning balance	$	1,189		$	748		$	211	$	303		$	239	$	102		$	-		$	2,792
	Charge-offs		(53	)		-			-		-			-		-			-			(53	)
	Recoveries		9			-			-		-			1		-			-			10
	Provision (benefit)		29			(20	)		13		(2	)		3		(12	)		19			30
	Ending balance	$	1,174		$	728		$	224	$	301		$	243	$	90		$	19		$	2,779
	The following tables set forth information regarding loans and the allowance for loan losses by portfolio segment as of March 31, 2015 and December 31, 2014:
		Real Estate:
		Residential			Commercial			Construction and Land Development		Home Equity			Commercial and Industrial		Consumer			Unallocated			Total
		(In Thousands)
	March 31, 2015:
	Allowance for loan losses
	Ending balance:
	Individually evaluated for impairment	$	-		$	-		$	-	$	-		$	-		-		$	-		$	-
	Ending balance: Collectively evaluated for impairment		1,044			691			380		316			243		125			0		$	2,799
	Total allowance for loan losses ending balance	$	1,044		$	691		$	380	$	316		$	243	$	125		$	0		$	2,799
Loans:
Ending balance: Individually evaluated for impairment	$	-		$	820		$	421	$	-			-	$	-		$	-		$	1,241
Ending balance: Collectively evaluated for impairment		133,989			51,890			18,763		45,336			23,409		16,354			-			289,741
Total loans ending balance	$	133,989		$	52,710		$	19,184	$	45,336		$	23,409	$	16,354		$	-		$	290,982
	Real Estate:
	Residential			Commercial			Construction and Land Development		Home Equity			Commercial		Consumer			Unallocated			Total
												& Industrial
	(In thousands)
December 31, 2014:
Allowance for loan losses
Ending balance:
Individually evaluated for impairment	$	-		$	-		$	-	$	-		$	6	$	-		$	-		$	6
Ending balance:
Collectively evaluated for impairment		1,085			738			249		324			221		134			4			2,755
Total allowance for loan losses ending balance	$	1,085		$	738		$	249	$	324		$	227	$	134		$	4		$	2,761
Loans:
Ending balance:
Individually evaluated for impairment	$	170		$	860		$	-	$	3		$	439	$	-		$	-		$	1,472
Ending balance:
Collectively evaluated for impairment		132,383			54,724			13,234		46,400			20,058		16,576			-			283,375
Total loans ending balance	$	132,553		$	55,584		$	13,234	$	46,403		$	20,497	$	16,576		$	-		$	284,847
The following tables present the Company’s loans by risk rating as of March 31, 2015 and December 31, 2014:
		Real Estate
		Residential			Commercial			Construction and Land Development		Home Equity			Commercial and Industrial		Consumer			Total
		(In Thousands)
March 31, 2015:
Grade:
Pass	$	-		$	47,224		$	18,325	$	-		$	21,831	$	-		$	87,380
Special mention		-			2,609			-		-			337		-			2,946
Substandard		695			2,877			859		164			1,241		-			5,836
Loans not formally rated		133,294			-			-		45,172			-		16,354			194,820
Total	$	133,989		$	52,710		$	19,184	$	45,336		$	23,409	$	16,354		$	290,982
December 31, 2014:
Grade:
Pass	$	-		$	50,208		$	11,529	$	-		$	18,380	$	-		$	80,117
Special mention		-			3,866			1,705		-			642		-			6,213
Substandard		474			1,510			-		166			1,475		-			3,625
Loans not formally rated		132,079			-			-		46,237			-		16,576			194,892
Total	$	132,553		$	55,584		$	13,234	$	46,403		$	20,497	$	16,576		$	284,847
Credit Quality Indicators: As part of the ongoing monitoring of the credit quality of the Company’s loan portfolio, management tracks certain credit quality indicators, including trends related to (i) weighted average risk rating of commercial loans; (ii) the level of classified and criticized commercial loans; (iii) non-performing loans; (iv) net charge-offs; and (v) the general economic conditions within the State of Connecticut.
The Company utilizes a risk rating grading matrix to assign a risk grade to each of its commercial loans. Loans are graded on a scale of 1 to 7. A “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 include residential, home equity and consumer loans. As of March 31, 2015, $194.8 million of the total residential, home equity and consumer loan portfolio of $195.7 million were not formally rated. As of December 31, 2014, $194.9 million of the total residential, home equity and consumer loan portfolio of $195.5 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 as of March 31, 2015 were 0.73% of total loans outstanding compared to 1.08% on December 31, 2014. The Company’s allowance for loan losses at March 31, 2015 was 0.96% of total loans compared to 0.97% as of December 31, 2014.
An age analysis of past-due loans, segregated by class of loans, as of March 31, 2015 and December 31, 2014 is as follows:
							90 Days		Total			Total		Total
	30–59 Days			60–89 Days			or More		Past Due			Current		Loans
	(In Thousands)
March 31, 2015:
Real estate:
Residential	$	9		$	326		$	286	$	621		$	133,368	$	133,989
Commercial		-						820		820			42,976		43,796
Construction and land development		-			-			-		-			19,184		19,184
Home equity		191			82			-		273			45,063		45,336
Municipal		-			-			-		-			8,914		8,914
Commercial and industrial		-			-			421		421			21,598		22,019
Municipal		-			-			-		-			1,390		1,390
Consumer		77			1			9		87			16,267		16,354
Total	$	277		$	409		$	1,536	$	2,222		$	288,760	$	290,982
December 31, 2014:
Real estate:
Residential	$	147		$	-		$	516	$	663		$	131,890	$	132,553
Commercial		-			-			860		860			46,122		46,982
Construction and land development		-			-			-		-			13,234		13,234
Home equity		328			-			77		405			45,998		46,403
Municipal		-			-			-		-			8,602		8,602
Commercial and industrial		-			-			439		439			18,599		19,038
Municipal		-			-			-		-			1,459		1,459
Consumer		124			19			-		143			16,433		16,576
Total	$	599		$	19		$	1,892	$	2,510		$	282,337	$	284,847
The following tables set forth information regarding nonaccrual loans as of March 31, 2015 and December 31, 2014:
	31-Mar-15			December 31, 2014
	(In thousands)			(In thousands)
Real estate:
Residential	$	881		$	1,064
Commercial		820			860
Construction and land development		-			-
Home equity		-			165
Commercial and industrial		421			439
Consumer		9			-
Total	$	2,131		$	2,528
Information about loans that meet the definition of an impaired loan in ASC 310-10-35 is as follows as of and for the three months ended March 31, 2015 and the year ended December 31, 2014:
				Unpaid					Average			Interest
	Recorded			Principal			Related		Recorded			Income
	Investment			Balance			Allowance		Investment			Recognized
	(In Thousands)
March 31, 2015:
With no related allowance recorded:
Real Estate:
Residential		-			-			-		29			-
Commercial	$	820		$	820		$	-	$	847		$	-
Home equity		-			-			-		-			-
Construction and land development		-			-			-		-			-
Commercial and industrial		421			421			-		430
Total impaired with no related allowance	$	1,241		$	1,241		$	-	$	1,306		$	-
Total
Real Estate:
Residential		-			-			-		29			-
Commercial	$	820		$	820		$	-	$	847		$	-
Home equity		-			-			-		-			-
Construction and land development		-			-			-		-			-
Commercial and industrial		421			421			-		430
Total impaired loans	$	1,241		$	1,241		$	-	$	1,306		$	-
December 31, 2014:
With no related allowance recorded:
Real Estate:
Residential	$	170		$	170		$	-	$	172		$	5
Commercial		860			860			-		896			-
Home equity		-			-			-		133			56
Construction and land development		3			3			-		4			-
Total impaired with no related allowance	$	1,033		$	1,033		$	-	$	1,205		$	61
With an allowance recorded:
Residential	$	-		$	-		$	-	$	-		$	-
Commercial		-			-			-		-			-
Construction and land development		-			-			-		-			-
Home equity		-			-			-		-			-
Commercial and industrial		439			439			6		372			-
Total impaired with an allowance recorded	$	439		$	439		$	6	$	372		$	-
Total
Real Estate:
Residential	$	170		$	170		$	-	$	172		$	5
Commercial		860			860			-		896			-
Home equity		-			-			-		133			56
Construction and land development		3			3			-		4			-
Commercial and industrial		439			439			6		372			-
Total impaired loans	$	1,472		$	1,472		$	6	$	1,577		$	61
The Bank’s troubled debt restructurings (“TDRs”) are determined by management. TDRs may include all accrued interest, late charges, title and recording fees, and 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 restructuring during the three months ended March 31, 2015.
There was one commercial loan that was modified as a troubled debt restructuring during the year ended December 31, 2014. The loan, with a recorded investment of $439 thousand, had its payment temporarily reduced as part of the modification. The loan was individually evaluated for impairment as of December 31, 2104 and it was determined that a $6 thousand specific allowance was required. The loan was in nonaccrual status at March 31, 2015 and December 31, 2014.
The balance of mortgage servicing rights included in other assets at March 31, 2015 and December 31, 2014 was $1.62 million and $1.58 million, respectively. Mortgage servicing rights of $180 thousand and $531 thousand were capitalized for the three months ended March 31, 2015 and the year ended December 31, 2014, respectively. Amortization of mortgage servicing rights was $150 thousand and $401 thousand for the three months ended March 31, 2015 and the year ended December 31, 2014, respectively. The fair value of these rights was $1.97 million and $2.05 million as of March 31, 2015 and December 31, 2014, 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 $180.4 million and $148.0 million as of March 31, 2015 and December 31, 2014, respectively.

Note_8_Securities_Sold_Under_A

Note 8 - Securities Sold Under Agreements to Repurchase	3 Months Ended
	Mar. 31, 2015
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	3 Months Ended
	Mar. 31, 2015
Disclosure Text Block [Abstract]
Comprehensive Income (Loss) Note [Text Block]	NOTE 9 – OTHER COMPREHENSIVE INCOME
	The following tables present the reclassification disclosure for the three months ended March 31, 2015 and 2014:
		3/31/15			3/31/14
	Three months ended:	( In Thousands)
	Net change in unrealized holding gains on available-for-sale securities	$	568		$	1,050
	Reclassification adjustment for realized gains in net income (1)		(43	)		-
	Other comprehensive income before income tax effect		525			1,050
	Income tax expense		(177	)		(357	)
	Other comprehensive income, net of tax	$	348		$	693
	(1) Reclassification adjustments are comprised of realized security gains and losses and writedowns. The gains and losses have been reclassified out of accumulated other comprehensive income and have affected certain lines in the consolidated statements of income as follows: the pre-tax amount is included in gain on sales 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)	3 Months Ended
	Mar. 31, 2015
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
		(In Thousands)
	March 31, 2015:
	Debt securities issued by U.S. government corporations and agencies	$	17,715	$	-	$	17,715	$	-
	Obligations of states and municipalities		16,032		-		16,032		-
	Mortgage-backed securities		47,133		-		47,133		-
	SBA loan pools		452		-		452		-
		$	81,332	$	-	$	81,332	$	-
	December 31, 2014:
	Debt securities issued by U.S. government corporations and agencies	$	18,064	$	-	$	18,064	$	-
	Obligations of states and municipalities		16,599		-		16,599		-
	Mortgage-backed securities		48,668		-		48,668		-
	SBA loan pools		474		-		474		-
		$	83,805	$	-	$	83,805	$	-
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
		(In Thousands)
	March 31, 2015:
	Impaired loans	$	1,241					$	1,241
		$	1,241	$	-	$	-	$	1,241
				Fair Value Measurements at Reporting Date Using:
				Quoted prices in		Significant		Significant
				Active Markets for		Other Observable		Unobservable
				Identical Assets		Inputs		Inputs
		Total		Level 1		Level 2		Level 3
		(In Thousands)
	December 31, 2014:
	Impaired loans	$	433					$	433
	Other real estate owned		105		-		-		105
		$	538	$	-	$	-	$	538
Fair Value, by Balance Sheet Grouping [Table Text Block]		31-Mar-15
		Carrying		Fair Value
		Amount		Level 1		Level 2		Level 3		Total
		(In Thousands)
	Financial assets:
	Cash and cash equivalents	$	14,502	$	14,502	$	-	$	-	$	14,502
	Available-for-sale securities		81,332		-		81,332		-		81,332
	Federal Home Loan Bank stock		1,881		1,881		-		-		1,881
	Loans held-for-sale		4,531						4,494		4,494
	Loans, net		289,453		-		-		292,713		292,713
	Accrued interest receivable		1,004		1,004		-		-		1,004
	Financial liabilities:
	Deposits		360,562		-		355,486		-		355,486
	Securities sold under agreements to repurchase		3,078		-		3,335		-		3,335
	Federal Home Loan Bank advances		10,500		-		10,500		-		10,500
		31-Dec-14
		Carrying		Fair Value
		Amount		Level 1		Level 2		Level 3		Total
		(In Thousands)
	Financial assets:
	Cash and cash equivalents	$	19,820	$	19,820	$	-	$	-	$	19,820
	Available-for-sale securities		83,805		-		83,805		-		83,805
	Federal Home Loan Bank stock		1,801		1,801		-		-		1,801
	Loans held-for-sale		5,374		-		-		5,499		5,499
	Loans, net		283,381		-		-		285,439		285,439
	Accrued interest receivable		1,095		1,095		-		-		1,095
	Financial liabilities:
	Deposits		356,065		-		356,353		-		356,353
	Securities sold under agreements to repurchase		3,921		-		3,921		-		3,921
	Federal Home Loan Bank advances		17,500		-		17,500		-		17,500

Note_5_Earnings_Per_Common_Sha1

Note 5 - Earnings Per Common Share (Tables)	3 Months Ended
	Mar. 31, 2015
Earnings Per Share [Abstract]
Schedule of Earnings Per Share, Basic and Diluted [Table Text Block]		For the three months ended
		3/31/15			3/31/14
		(In Thousands, Except Per Share Data)
	Basic earnings per share computation:
	Net income	$	343		$	78
	Preferred stock net accretion		(3	)		(3	)
	Cumulative preferred stock dividends		(23	)		(23	)
	Net income available to common stockholders	$	317		$	52
	Weighted average shares outstanding, basic		887,891			880,075
	Basic earnings per share	$	0.36		$	0.06
	Diluted earnings per share computation:
	Net income	$	343		$	78
	Preferred stock net accretion		(3	)		(3	)
	Cumulative preferred stock dividends		(23	)		(23	)
	Net income available to common stockholders	$	317		$	52
	Weighted average shares outstanding, before dilution		887,891			880,075
	Dilutive potential shares		1,097			6,929
	Weighted average shares outstanding, assuming dilution		888,988			887,004
	Diluted earnings per share	$	0.36		$	0.06

Note_6_Investment_Securities_T

Note 6 - Investment Securities (Tables)	3 Months Ended
	Mar. 31, 2015
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
		(In Thousands)
	March 31, 2015:
	Debt securities issued by U.S. government corporations and agencies	$	1,994	$	6	$	4,978	$	20	$	6,972		$	26
	Obligations of states and municipalities		917		13		1,472		29		2,389			42
	Mortgage-backed securities		885		1		28,388		279		29,273			280
	Total temporarily impaired securities	$	3,796	$	20	$	34,838	$	328	$	38,634		$	348
	Other-than-temporarily impaired securities
	Mortgage-backed securities		19		-		266		25	$	285			25
	Total temporarily impaired and other- than-temporarily impaired securities	$	3,815	$	20	$	35,104	$	353	$	38,919		$	373
	December 31, 2014:
	Debt securities issued by U.S. Government corporations and agencies	$	4,486	$	12		13,077	$	127	$	17,563		$	139
	Obligations of states and municipalities		526		12		1,772		40		2,298			52
	Mortgage-backed securities		1,422		6		36,550		593		37,972			599
	Total temporarily impaired securities		6,434		30		51,399		760		57,833			790
	Other-than-temporarily impaired securities:
	Mortgage-backed securities		-		-		274		30		274			30
	Total temporarily impaired and other- than-temporarily impaired securities	$	6,434	$	30		51,673	$	790	$	58,107		$	820
Available-for-sale Securities [Table Text Block]		INVESTMENT PORTFOLIO
		(Dollars in thousands)
		31-Mar-15
		Amortized		Unrealized		Unrealized		Fair
		Cost		Gains		Loss		Value		Yield
	AVAILABLE-FOR-SALE SECURITIES
	U.S. government and agency securities
	Due after one to five years	$	17,202	$	30	$	26	$	17,206		1.24	%
	Due after five to ten years		500		9		-		509		2	%
	Total U.S. government and agency securities		17,702		39		26		17,715		1.26	%
	State and municipal securities
	Due after five to ten years		4,844		176		21		4,999		3.59	%
	Due after ten to fifteen years		8,047		453		19		8,481		4.3	%
	Due beyond fifteen years		2,512		42		2		2,552		3.2	%
	Total state and municipal securities		15,403		671		42		16,032		3.88	%
	Mortgage-backed securities
	Due after one to five years		520		11		-		531		2.86	%
	Due after five to ten years		1,697		41		1		1,737		2.2	%
	Due after ten to fifteen years		27,749		75		175		27,649		1.79	%
	Due beyond fifteen years		17,285		60		129		17,216		1.95	%
	Total mortgage-backed securities		47,251		187		305		47,133		1.98	%
	SBA loan pool
	Due after ten to fifteen years		417		35		-		452		4.96	%
	Total SBA loan pool		417		35		-		452		4.96	%
	Total available-for-sale securities	$	80,773	$	932	$	373	$	81,332		2.33	%
		INVESTMENT PORTFOLIO
		(Dollars in thousands)
		December 31,2014
		Amortized		Unrealized		Unrealized		Fair
		Cost		Gains		Loss		Value		Yield
	AVAILABLE-FOR-SALE SECURITIES
	U.S. government and agency securities
	Due after one to five years	$	16,702	$	1	$	135	$	16,568		1.21	%
	Due after five to ten years		1,500		-		4		1,496		1.83	%
	Total U.S. government and agency securities		18,202		1		139		18,064		1.27	%
	State and municipal securities
	Due after one to five years		559		24		-		583		2.26	%
	Due after five to ten years		4,835		184		31		4,988		3.22	%
	Due after ten to fifteen years		8,065		445		21		8,489		3.23	%
	Due beyond fifteen years		2,513		26		-		2,539		3.09	%
	Total state and municipal securities		15,972		679		52		16,599		3.18	%
	Mortgage-backed securities
	Due within one year		-		-		-		-		-
	Due after one to five years		588		14		-		602		2.97	%
	Due after five to ten years		1,846		36		1		1,881		2.25	%
	Due after ten to fifteen years		28,811		42		360		28,493		1.78	%
	Due beyond fifteen years		17,912		48		268		17,692		2.38	%
	Total mortgage-backed securities		49,157		140		629		48,668		2.03	%
	SBA loan pool
	Due after ten to fifteen years		440		34		-		474		4.96	%
	Total SBA loan pool		440		34		-		474		4.96	%
	Total available-for-sale securities	$	83,771	$	854	$	820	$	83,805		2.36	%

Note_7_Loan_Information_Tables

Note 7 - Loan Information (Tables)	3 Months Ended
	Mar. 31, 2015
Receivables [Abstract]
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]		31-Mar-15			31-Dec-14
		(In Thousands)
	Commercial and industrial	$	22,019		$	19,038
	Real estate - construction and land development		19,184			13,234
	Real estate - residential		133,989			132,553
	Real estate - commercial		43,796			46,982
	Municipal		10,304			10,061
	Home equity		45,336			46,403
	Consumer		16,354			16,576
			290,982			284,847
	Allowance for loan losses		(2,799	)		(2,761	)
	Deferred loan origination costs, net		1,270			1,295
	Net loans	$	289,453		$	283,381
Allowance for Credit Losses on Financing Receivables [Table Text Block]		Real Estate:
		Residential			Commercial			Construction and Land Development		Home Equity			Commercial		Consumer			Unallocated			Total
													& Industrial
		(In thousands)
	March 31, 2015:
	Allowance for loan losses:
	Beginning balance	$	1,085		$	738		$	249	$	324		$	227	$	134		$	4		$	2,761
	Charge-offs		(13	)		-			-		-			-		-			-			(13	)
	Recoveries		1			-			-		-			-		-			-			1
	(Benefit) provision		(29	)		(47	)		131		(8	)		16		(9	)		(4	)		50
	Ending balance	$	1,044		$	691		$	380	$	316		$	243	$	125		$	-		$	2,799
		Real Estate:
		Residential			Commercial			Construction and Land Development		Home Equity			Commercial		Consumer			Unallocated			Total
													& Industrial
		(In thousands)
	March 31, 2014:
	Allowance for loan losses:
	Beginning balance	$	1,189		$	748		$	211	$	303		$	239	$	102		$	-		$	2,792
	Charge-offs		(53	)		-			-		-			-		-			-			(53	)
	Recoveries		9			-			-		-			1		-			-			10
	Provision (benefit)		29			(20	)		13		(2	)		3		(12	)		19			30
	Ending balance	$	1,174		$	728		$	224	$	301		$	243	$	90		$	19		$	2,779
		Real Estate:
		Residential			Commercial			Construction and Land Development		Home Equity			Commercial and Industrial		Consumer			Unallocated			Total
		(In Thousands)
	March 31, 2015:
	Allowance for loan losses
	Ending balance:
	Individually evaluated for impairment	$	-		$	-		$	-	$	-		$	-		-		$	-		$	-
	Ending balance: Collectively evaluated for impairment		1,044			691			380		316			243		125			0		$	2,799
	Total allowance for loan losses ending balance	$	1,044		$	691		$	380	$	316		$	243	$	125		$	0		$	2,799
	Loans:
	Ending balance: Individually evaluated for impairment	$	-		$	820		$	421	$	-			-	$	-		$	-		$	1,241
	Ending balance: Collectively evaluated for impairment		133,989			51,890			18,763		45,336			23,409		16,354			-			289,741
	Total loans ending balance	$	133,989		$	52,710		$	19,184	$	45,336		$	23,409	$	16,354		$	-		$	290,982
		Real Estate:
		Residential			Commercial			Construction and Land Development		Home Equity			Commercial		Consumer			Unallocated			Total
													& Industrial
		(In thousands)
	December 31, 2014:
	Allowance for loan losses
	Ending balance:
	Individually evaluated for impairment	$	-		$	-		$	-	$	-		$	6	$	-		$	-		$	6
	Ending balance:
	Collectively evaluated for impairment		1,085			738			249		324			221		134			4			2,755
	Total allowance for loan losses ending balance	$	1,085		$	738		$	249	$	324		$	227	$	134		$	4		$	2,761
	Loans:
	Ending balance:
	Individually evaluated for impairment	$	170		$	860		$	-	$	3		$	439	$	-		$	-		$	1,472
	Ending balance:
	Collectively evaluated for impairment		132,383			54,724			13,234		46,400			20,058		16,576			-			283,375
	Total loans ending balance	$	132,553		$	55,584		$	13,234	$	46,403		$	20,497	$	16,576		$	-		$	284,847
Financing Receivable Credit Quality Indicators [Table Text Block]			Real Estate
			Residential			Commercial			Construction and Land Development		Home Equity			Commercial and Industrial		Consumer			Total
			(In Thousands)
	March 31, 2015:
	Grade:
	Pass	$	-		$	47,224		$	18,325	$	-		$	21,831	$	-		$	87,380
	Special mention		-			2,609			-		-			337		-			2,946
	Substandard		695			2,877			859		164			1,241		-			5,836
	Loans not formally rated		133,294			-			-		45,172			-		16,354			194,820
	Total	$	133,989		$	52,710		$	19,184	$	45,336		$	23,409	$	16,354		$	290,982
	December 31, 2014:
	Grade:
	Pass	$	-		$	50,208		$	11,529	$	-		$	18,380	$	-		$	80,117
	Special mention		-			3,866			1,705		-			642		-			6,213
	Substandard		474			1,510			-		166			1,475		-			3,625
	Loans not formally rated		132,079			-			-		46,237			-		16,576			194,892
	Total	$	132,553		$	55,584		$	13,234	$	46,403		$	20,497	$	16,576		$	284,847
Past Due Financing Receivables [Table Text Block]								90 Days		Total			Total		Total
		30–59 Days			60–89 Days			or More		Past Due			Current		Loans
		(In Thousands)
	March 31, 2015:
	Real estate:
	Residential	$	9		$	326		$	286	$	621		$	133,368	$	133,989
	Commercial		-						820		820			42,976		43,796
	Construction and land development		-			-			-		-			19,184		19,184
	Home equity		191			82			-		273			45,063		45,336
	Municipal		-			-			-		-			8,914		8,914
	Commercial and industrial		-			-			421		421			21,598		22,019
	Municipal		-			-			-		-			1,390		1,390
	Consumer		77			1			9		87			16,267		16,354
	Total	$	277		$	409		$	1,536	$	2,222		$	288,760	$	290,982
	December 31, 2014:
	Real estate:
	Residential	$	147		$	-		$	516	$	663		$	131,890	$	132,553
	Commercial		-			-			860		860			46,122		46,982
	Construction and land development		-			-			-		-			13,234		13,234
	Home equity		328			-			77		405			45,998		46,403
	Municipal		-			-			-		-			8,602		8,602
	Commercial and industrial		-			-			439		439			18,599		19,038
	Municipal		-			-			-		-			1,459		1,459
	Consumer		124			19			-		143			16,433		16,576
	Total	$	599		$	19		$	1,892	$	2,510		$	282,337	$	284,847
Schedule of Financing Receivables, Non Accrual Status [Table Text Block]		31-Mar-15			December 31, 2014
		(In thousands)			(In thousands)
	Real estate:
	Residential	$	881		$	1,064
	Commercial		820			860
	Construction and land development		-			-
	Home equity		-			165
	Commercial and industrial		421			439
	Consumer		9			-
	Total	$	2,131		$	2,528
Impaired Financing Receivables [Table Text Block]					Unpaid					Average			Interest
		Recorded			Principal			Related		Recorded			Income
		Investment			Balance			Allowance		Investment			Recognized
		(In Thousands)
	March 31, 2015:
	With no related allowance recorded:
	Real Estate:
	Residential		-			-			-		29			-
	Commercial	$	820		$	820		$	-	$	847		$	-
	Home equity		-			-			-		-			-
	Construction and land development		-			-			-		-			-
	Commercial and industrial		421			421			-		430
	Total impaired with no related allowance	$	1,241		$	1,241		$	-	$	1,306		$	-
	Total
	Real Estate:
	Residential		-			-			-		29			-
	Commercial	$	820		$	820		$	-	$	847		$	-
	Home equity		-			-			-		-			-
	Construction and land development		-			-			-		-			-
	Commercial and industrial		421			421			-		430
	Total impaired loans	$	1,241		$	1,241		$	-	$	1,306		$	-
	December 31, 2014:
	With no related allowance recorded:
	Real Estate:
	Residential	$	170		$	170		$	-	$	172		$	5
	Commercial		860			860			-		896			-
	Home equity		-			-			-		133			56
	Construction and land development		3			3			-		4			-
	Total impaired with no related allowance	$	1,033		$	1,033		$	-	$	1,205		$	61
	With an allowance recorded:
	Residential	$	-		$	-		$	-	$	-		$	-
	Commercial		-			-			-		-			-
	Construction and land development		-			-			-		-			-
	Home equity		-			-			-		-			-
	Commercial and industrial		439			439			6		372			-
	Total impaired with an allowance recorded	$	439		$	439		$	6	$	372		$	-
	Total
	Real Estate:
	Residential	$	170		$	170		$	-	$	172		$	5
	Commercial		860			860			-		896			-
	Home equity		-			-			-		133			56
	Construction and land development		3			3			-		4			-
	Commercial and industrial		439			439			6		372			-
	Total impaired loans	$	1,472		$	1,472		$	6	$	1,577		$	61

Note_9_Other_Comprehensive_Inc1

Note 9 - Other Comprehensive Income (Tables)	3 Months Ended
	Mar. 31, 2015
Disclosure Text Block [Abstract]
Comprehensive Income (Loss) [Table Text Block]		3/31/15			3/31/14
	Three months ended:	( In Thousands)
	Net change in unrealized holding gains on available-for-sale securities	$	568		$	1,050
	Reclassification adjustment for realized gains in net income (1)		(43	)		-
	Other comprehensive income before income tax effect		525			1,050
	Income tax expense		(177	)		(357	)
	Other comprehensive income, net of tax	$	348		$	693

Note_2_Stockbased_Compensation1

Note 2 - Stock-based Compensation (Details) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Mar. 31, 2014
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Allocated Share-based Compensation Expense	$9	$39

Note_4_Fair_Value_Measurements2

Note 4 - Fair Value Measurements (Details) - Assets Measured at Fair Value on a Recurring Basis (USD $)	Mar. 31, 2015	Dec. 31, 2014
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	$81,332	$83,805
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	17,715	18,064
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	17,715	18,064
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	16,032	16,599
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	16,032	16,599
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	47,133	48,668
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	47,133	48,668
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	452	474
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	452	474
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	81,332	83,805
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	$81,332	$83,805

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 $)	Mar. 31, 2015	Dec. 31, 2014
In Thousands, unless otherwise specified
Note 4 - Fair Value Measurements (Details) - Assets Measured at Fair Value on a Nonrecurring Basis [Line Items]
Asset Class	$1,241	$538
Fair Value, Inputs, Level 3 [Member] | Impaired Loans [Member]
Note 4 - Fair Value Measurements (Details) - Assets Measured at Fair Value on a Nonrecurring Basis [Line Items]
Asset Class	1,241	433
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]
Asset Class		105
Fair Value, Inputs, Level 3 [Member]
Note 4 - Fair Value Measurements (Details) - Assets Measured at Fair Value on a Nonrecurring Basis [Line Items]
Asset Class	1,241	538
Impaired Loans [Member]
Note 4 - Fair Value Measurements (Details) - Assets Measured at Fair Value on a Nonrecurring Basis [Line Items]
Asset Class	1,241	433
Other Real Estate Owned [Member]
Note 4 - Fair Value Measurements (Details) - Assets Measured at Fair Value on a Nonrecurring Basis [Line Items]
Asset Class		$105

Note_4_Fair_Value_Measurements4

Note 4 - Fair Value Measurements (Details) - Financial Instruments (USD $)	Mar. 31, 2015	Dec. 31, 2014
In Thousands, unless otherwise specified
Financial assets:
Cash and cash equivalents	$14,502	$19,820
Available-for-sale securities	81,332	83,805
Federal Home Loan Bank stock	1,881	1,801
Loans held-for-sale	4,494	5,499
Loans, net	292,713	285,439
Accrued interest receivable	1,004	1,095
Financial liabilities:
Deposits	355,486	356,353
Securities sold under agreements to repurchase	3,335	3,921
Federal Home Loan Bank advances	10,500	17,500
Fair Value, Inputs, Level 1 [Member]
Financial assets:
Cash and cash equivalents	14,502	19,820
Federal Home Loan Bank stock	1,881	1,801
Accrued interest receivable	1,004	1,095
Fair Value, Inputs, Level 2 [Member]
Financial assets:
Available-for-sale securities	81,332	83,805
Financial liabilities:
Deposits	355,486	356,353
Securities sold under agreements to repurchase	3,335	3,921
Federal Home Loan Bank advances	10,500	17,500
Fair Value, Inputs, Level 3 [Member]
Financial assets:
Loans held-for-sale	4,494	5,499
Loans, net	292,713	285,439
Reported Value Measurement [Member]
Financial assets:
Cash and cash equivalents	14,502	19,820
Available-for-sale securities	81,332	83,805
Federal Home Loan Bank stock	1,881	1,801
Loans held-for-sale	4,531	5,374
Loans, net	289,453	283,381
Accrued interest receivable	1,004	1,095
Financial liabilities:
Deposits	360,562	356,065
Securities sold under agreements to repurchase	3,078	3,921
Federal Home Loan Bank advances	$10,500	$17,500

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
In Thousands, except Share data, unless otherwise specified	Mar. 31, 2015	Mar. 31, 2014
Basic earnings per share computation:
Net income	$343	$78
Preferred stock net accretion	-3	-3
Net income available to common stockholders	317	52
Cumulative preferred stock dividends	-23	-23
Weighted average shares outstanding, before dilution (in Shares)	887,891	880,075
Net income available to common stockholders	317	52
Dilutive potential shares (in Shares)	1,097	6,929
Weighted average shares outstanding, basic (in Shares)	887,891	880,075
Weighted average shares outstanding, assuming dilution (in Shares)	888,988	887,004
Basic earnings per share (in Dollars per share)	$0.36	$0.06
Diluted earnings per share (in Dollars per share)	$0.36	$0.06
Diluted earnings per share computation:
Net income	343	78
Preferred stock net accretion	-3	-3
Net income available to common stockholders	317	52
Cumulative preferred stock dividends	-23	-23
Weighted average shares outstanding, before dilution (in Shares)	887,891	880,075
Net income available to common stockholders	$317	$52
Dilutive potential shares (in Shares)	1,097	6,929
Weighted average shares outstanding, basic (in Shares)	887,891	880,075
Weighted average shares outstanding, assuming dilution (in Shares)	888,988	887,004
Basic earnings per share (in Dollars per share)	$0.36	$0.06
Diluted earnings per share (in Dollars per share)	$0.36	$0.06

Note_6_Investment_Securities_D

Note 6 - Investment Securities (Details) (USD $)	3 Months Ended
	Mar. 31, 2015	Mar. 31, 2014
Investments, Debt and Equity Securities [Abstract]
Proceeds from Sale of Available-for-sale Securities	$588,000	$0
Available-for-sale Securities, Gross Realized Gains (Losses), Sale Proceeds	43,000
Available-for-sale Securities, Realized Gain (Loss), Income Tax Expense (Benefit)	$15,000

Note_6_Investment_Securities_D1

Note 6 - Investment Securities (Details) - Securities in a Continuous Unrealized Loss Position (USD $)	Mar. 31, 2015	Dec. 31, 2014
In Thousands, unless otherwise specified
Temporarily Impaired Securities [Member] | US Government Agencies Debt Securities [Member]
Note 6 - Investment Securities (Details) - Securities in a Continuous Unrealized Loss Position [Line Items]
Available-for-sale securities in a continuous unrealized loss position, less than 12 months, fair value	$1,994	$4,486
Available-for-sale securities in a continuous unrealized loss position, less than 12 months, unrealized losses	6	12
Available-for-sale securities in a continuous unrealized loss position, 12 months or longer, fair value	4,978	13,077
Available-for-sale securities in a continuous unrealized loss position, 12 months or longer, unrealized losses	20	127
Available-for-sale securities in a continuous unrealized loss position, fair value	6,972	17,563
Available-for-sale securities in a continuous unrealized loss position, unrealized losses	26	139
Temporarily Impaired Securities [Member] | US States and Political Subdivisions Debt Securities [Member]
Note 6 - Investment Securities (Details) - Securities in a Continuous Unrealized Loss Position [Line Items]
Available-for-sale securities in a continuous unrealized loss position, less than 12 months, fair value	917	526
Available-for-sale securities in a continuous unrealized loss position, less than 12 months, unrealized losses	13	12
Available-for-sale securities in a continuous unrealized loss position, 12 months or longer, fair value	1,472	1,772
Available-for-sale securities in a continuous unrealized loss position, 12 months or longer, unrealized losses	29	40
Available-for-sale securities in a continuous unrealized loss position, fair value	2,389	2,298
Available-for-sale securities in a continuous unrealized loss position, unrealized losses	42	52
Temporarily Impaired Securities [Member] | Collateralized Mortgage Backed Securities [Member]
Note 6 - Investment Securities (Details) - Securities in a Continuous Unrealized Loss Position [Line Items]
Available-for-sale securities in a continuous unrealized loss position, less than 12 months, fair value	885	1,422
Available-for-sale securities in a continuous unrealized loss position, less than 12 months, unrealized losses	1	6
Available-for-sale securities in a continuous unrealized loss position, 12 months or longer, fair value	28,388	36,550
Available-for-sale securities in a continuous unrealized loss position, 12 months or longer, unrealized losses	279	593
Available-for-sale securities in a continuous unrealized loss position, fair value	29,273	37,972
Available-for-sale securities in a continuous unrealized loss position, unrealized losses	280	599
Temporarily Impaired Securities [Member]
Note 6 - Investment Securities (Details) - Securities in a Continuous Unrealized Loss Position [Line Items]
Available-for-sale securities in a continuous unrealized loss position, less than 12 months, fair value		6,434
Available-for-sale securities in a continuous unrealized loss position, less than 12 months, unrealized losses		30
Available-for-sale securities in a continuous unrealized loss position, 12 months or longer, fair value		51,399
Available-for-sale securities in a continuous unrealized loss position, 12 months or longer, unrealized losses		760
Available-for-sale securities in a continuous unrealized loss position, fair value		57,833
Available-for-sale securities in a continuous unrealized loss position, unrealized losses		790
Other Than Temporarily Impaired Securities [Member] | Collateralized Mortgage Backed Securities [Member]
Note 6 - Investment Securities (Details) - Securities in a Continuous Unrealized Loss Position [Line Items]
Available-for-sale securities in a continuous unrealized loss position, less than 12 months, fair value	19
Available-for-sale securities in a continuous unrealized loss position, 12 months or longer, fair value	266	274
Available-for-sale securities in a continuous unrealized loss position, 12 months or longer, unrealized losses	25	30
Available-for-sale securities in a continuous unrealized loss position, fair value	285	274
Available-for-sale securities in a continuous unrealized loss position, unrealized losses	25	30
Other Than Temporarily Impaired Securities [Member]
Note 6 - Investment Securities (Details) - Securities in a Continuous Unrealized Loss Position [Line Items]
Available-for-sale securities in a continuous unrealized loss position, less than 12 months, fair value	3,815	6,434
Available-for-sale securities in a continuous unrealized loss position, less than 12 months, unrealized losses	20	30
Available-for-sale securities in a continuous unrealized loss position, 12 months or longer, fair value	35,104	51,673
Available-for-sale securities in a continuous unrealized loss position, 12 months or longer, unrealized losses	353	790
Available-for-sale securities in a continuous unrealized loss position, fair value	38,919	58,107
Available-for-sale securities in a continuous unrealized loss position, unrealized losses	373	820
Temporarily Impaired Securities [Member]
Note 6 - Investment Securities (Details) - Securities in a Continuous Unrealized Loss Position [Line Items]
Available-for-sale securities in a continuous unrealized loss position, less than 12 months, fair value	3,796
Available-for-sale securities in a continuous unrealized loss position, less than 12 months, unrealized losses	20
Available-for-sale securities in a continuous unrealized loss position, 12 months or longer, fair value	34,838
Available-for-sale securities in a continuous unrealized loss position, 12 months or longer, unrealized losses	328
Available-for-sale securities in a continuous unrealized loss position, fair value	38,634
Available-for-sale securities in a continuous unrealized loss position, unrealized losses	$348

Note_6_Investment_Securities_D2

Note 6 - Investment Securities (Details) - Amortized Cost and Fair Value (USD $)	Mar. 31, 2015	Dec. 31, 2014
In Thousands, unless otherwise specified
AVAILABLE-FOR-SALE SECURITIES
Total available-for-sale securities	$80,773	$83,771
Total available-for-sale securities	932	854
Total available-for-sale securities	373	820
Total available-for-sale securities	81,332	83,805
Total available-for-sale securities	2.33%	2.36%
US Government Agencies Debt Securities [Member]
AVAILABLE-FOR-SALE SECURITIES
Due after one to five years	17,202	16,702
Due after one to five years	30	1
Due after one to five years	26	135
Due after one to five years	17,206	16,568
Due after one to five years	1.24%	1.21%
Due after five to ten years	500	1,500
Due after five to ten years	9
Due after five to ten years		4
Due after five to ten years	509	1,496
Due after five to ten years	2.00%	1.83%
Total available-for-sale securities	17,702	18,202
Total available-for-sale securities	39	1
Total available-for-sale securities	26	139
Total available-for-sale securities	17,715	18,064
Total available-for-sale securities	1.26%	1.27%
US States and Political Subdivisions Debt Securities [Member]
AVAILABLE-FOR-SALE SECURITIES
Due after one to five years		559
Due after one to five years		24
Due after one to five years		583
Due after one to five years		2.26%
Due after five to ten years	4,844	4,835
Due after five to ten years	176	184
Due after five to ten years	21	31
Due after five to ten years	4,999	4,988
Due after five to ten years	3.59%	3.22%
Due after ten to fifteen years	8,047	8,065
Due after ten to fifteen years	453	445
Due after ten to fifteen years	19	21
Due after ten to fifteen years	8,481	8,489
Due after ten to fifteen years	4.30%	3.23%
Due beyond fifteen years	2,512	2,513
Due beyond fifteen years	42	26
Due beyond fifteen years	2
Due beyond fifteen years	2,552	2,539
Due beyond fifteen years	3.20%	3.09%
Total available-for-sale securities	15,403	15,972
Total available-for-sale securities	671	679
Total available-for-sale securities	42	52
Total available-for-sale securities	16,032	16,599
Total available-for-sale securities	3.88%	3.18%
Collateralized Mortgage Backed Securities [Member]
AVAILABLE-FOR-SALE SECURITIES
Due after one to five years	520	588
Due after one to five years	11	14
Due after one to five years	531	602
Due after one to five years	2.86%	2.97%
Due after five to ten years	1,697	1,846
Due after five to ten years	41	36
Due after five to ten years	1	1
Due after five to ten years	1,737	1,881
Due after five to ten years	2.20%	2.25%
Due after ten to fifteen years	27,749	28,811
Due after ten to fifteen years	75	42
Due after ten to fifteen years	175	360
Due after ten to fifteen years	27,649	28,493
Due after ten to fifteen years	1.79%	1.78%
Due beyond fifteen years	17,285	17,912
Due beyond fifteen years	60	48
Due beyond fifteen years	129	268
Due beyond fifteen years	17,216	17,692
Due beyond fifteen years	1.95%	2.38%
Total available-for-sale securities	47,251	49,157
Total available-for-sale securities	187	140
Total available-for-sale securities	305	629
Total available-for-sale securities	47,133	48,668
Total available-for-sale securities	1.98%	2.03%
Other Debt Obligations [Member]
AVAILABLE-FOR-SALE SECURITIES
Due after ten to fifteen years	417	440
Due after ten to fifteen years	35	34
Due after ten to fifteen years	452	474
Due after ten to fifteen years	4.96%	4.96%
Total available-for-sale securities	417	440
Total available-for-sale securities	35	34
Total available-for-sale securities	$452	$474
Total available-for-sale securities	4.96%	4.96%

Note_7_Loan_Information_Detail

Note 7 - Loan Information (Details) (USD $)	3 Months Ended	12 Months Ended
	Mar. 31, 2015	Dec. 31, 2014
Note 7 - Loan Information (Details) [Line Items]
Loans and Leases Receivable, Gross	$290,982,000	$284,847,000
Percentage of Delinquent Loans Outstanding	0.73%	1.08%
Allowance for Loan Losses Percentage	0.96%	0.97%
Financing Receivable, Modifications, Number of Contracts	0
Mortgage Loans on Real Estate [Member] | Home Equity Line of Credit [Member] | Not Formally Rated [Member]
Note 7 - Loan Information (Details) [Line Items]
Loans and Leases Receivable, Gross	45,172,000	46,237,000
Mortgage Loans on Real Estate [Member] | Home Equity Line of Credit [Member]
Note 7 - Loan Information (Details) [Line Items]
Loans and Leases Receivable, Gross	45,336,000	46,403,000
Mortgage Loans on Real Estate [Member] | Commercial Portfolio Segment [Member]
Note 7 - Loan Information (Details) [Line Items]
Loans and Leases Receivable, Gross	43,796,000	46,982,000
Mortgage Loans on Real Estate [Member]
Note 7 - Loan Information (Details) [Line Items]
Principal Amount Outstanding on Loans Securitized or Asset-backed Financing Arrangement	180,400,000	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%
Loans and Leases Receivable, Gross	45,336,000	46,403,000
Mortgage Servicing Rights [Member]
Note 7 - Loan Information (Details) [Line Items]
Servicing Asset at Amortized Cost	1,620,000	1,580,000
Servicing Asset at Amortized Cost, Additions	180,000	531,000
Servicing Asset at Amortized Cost, Amortization	150,000	401,000
Servicing Asset at Fair Value, Amount	1,970,000	2,050,000
Residential, Home Equity and Consumer Portfolio Segments [Member] | Not Formally Rated [Member]
Note 7 - Loan Information (Details) [Line Items]
Loans and Leases Receivable, Gross	194,800,000	194,900,000
Residential, Home Equity and Consumer Portfolio Segments [Member]
Note 7 - Loan Information (Details) [Line Items]
Loans and Leases Receivable, Gross	195,700,000	195,500,000
Commercial Portfolio Segment [Member]
Note 7 - Loan Information (Details) [Line Items]
Financing Receivable, Modifications, Number of Contracts		1
Financing Receivable, Modifications, Recorded Investment		439,000
Allowance for Credit Losses, Change in Method of Calculating Impairment		6,000
Not Formally Rated [Member]
Note 7 - Loan Information (Details) [Line Items]
Loans and Leases Receivable, Gross	$194,820,000	$194,892,000

Note_7_Loan_Information_Detail1

Note 7 - Loan Information (Details) - Loans (USD $)	Mar. 31, 2015	Dec. 31, 2014
In Thousands, unless otherwise specified
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	$290,982	$284,847
Allowance for loan losses	-2,799	-2,761
Deferred loan origination costs, net	1,270	1,295
Net loans	289,453	283,381
Mortgage Loans on Real Estate [Member] | Home Equity Line of Credit [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	45,336	46,403
Mortgage Loans on Real Estate [Member] | Commercial Real Estate Construction Financing Receivable [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	19,184	13,234
Mortgage Loans on Real Estate [Member] | Residential Portfolio Segment [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	133,989	132,553
Mortgage Loans on Real Estate [Member] | Commercial Real Estate Other Receivable [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	43,796	46,982
Mortgage Loans on Real Estate [Member] | Municipal [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	8,914	8,602
Home Equity Line of Credit [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	45,336	46,403
Commercial and Industrial [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	22,019	19,038
Municipal [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	10,304	10,061
Consumer Portfolio Segment [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	$16,354	$16,576

Note_7_Loan_Information_Detail2

Note 7 - Loan Information (Details) - Allowance For Loan Losses (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Mar. 31, 2014	Dec. 31, 2014
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	$2,761	$2,792
Ending balance	2,799	2,779
Individually evaluated for impairment	1,241		1,472
Collectively evaluated for impairment	289,741		283,375
Total loans ending balance	290,982		284,847
Ending balance:
Individually evaluated for impairment			6
Collectively evaluated for impairment	2,799		2,755
Charge-offs	-13	-53
Recoveries	1	10
Provision (benefit)	50	30
Mortgage Loans on Real Estate [Member] | Home Equity Line of Credit [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	324	303
Ending balance	316	301
Individually evaluated for impairment			3
Collectively evaluated for impairment	45,336		46,400
Total loans ending balance	45,336		46,403
Ending balance:
Collectively evaluated for impairment	316		324
Provision (benefit)	-8	-2
Mortgage Loans on Real Estate [Member] | Residential Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	1,085	1,189
Ending balance	1,044	1,174
Individually evaluated for impairment			170
Collectively evaluated for impairment	133,989		132,383
Total loans ending balance	133,989		132,553
Ending balance:
Collectively evaluated for impairment	1,044		1,085
Charge-offs	-13	-53
Recoveries	1	9
Provision (benefit)	-29	29
Mortgage Loans on Real Estate [Member] | Commercial Real Estate Other Receivable [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	738	748
Ending balance	691	728
Individually evaluated for impairment	820		860
Collectively evaluated for impairment	51,890		54,724
Total loans ending balance	52,710		55,584
Ending balance:
Collectively evaluated for impairment	691		738
Provision (benefit)	-47	-20
Mortgage Loans on Real Estate [Member] | Commercial Real Estate Construction Financing Receivable [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	249	211
Ending balance	380	224
Individually evaluated for impairment	421
Collectively evaluated for impairment	18,763		13,234
Total loans ending balance	19,184		13,234
Ending balance:
Collectively evaluated for impairment	380		249
Provision (benefit)	131	13
Commercial and Industrial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	227	239
Ending balance	243	243
Individually evaluated for impairment			439
Collectively evaluated for impairment	23,409		20,058
Total loans ending balance	23,409		20,497
Ending balance:
Individually evaluated for impairment			6
Collectively evaluated for impairment	243		221
Recoveries		1
Provision (benefit)	16	3
Consumer Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	134	102
Ending balance	125	90
Collectively evaluated for impairment	16,354		16,576
Total loans ending balance	16,354		16,576
Ending balance:
Collectively evaluated for impairment	125		134
Provision (benefit)	-9	-12
Unallocated Financing Receivables [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	4
Ending balance	0	19
Ending balance:
Collectively evaluated for impairment	0		4
Provision (benefit)	($4)	$19

Note_7_Loan_Information_Detail3

Note 7 - Loan Information (Details) - Loans by Risk Rating (USD $)	Mar. 31, 2015	Dec. 31, 2014
In Thousands, unless otherwise specified
Grade:
Loans	$290,982	$284,847
Mortgage Loans on Real Estate [Member] | Home Equity Line of Credit [Member] | Substandard [Member]
Grade:
Loans	164	166
Mortgage Loans on Real Estate [Member] | Home Equity Line of Credit [Member] | Not Formally Rated [Member]
Grade:
Loans	45,172	46,237
Mortgage Loans on Real Estate [Member] | Home Equity Line of Credit [Member]
Grade:
Loans	45,336	46,403
Mortgage Loans on Real Estate [Member] | Residential Portfolio Segment [Member] | Substandard [Member]
Grade:
Loans	695	474
Mortgage Loans on Real Estate [Member] | Residential Portfolio Segment [Member] | Not Formally Rated [Member]
Grade:
Loans	133,294	132,079
Mortgage Loans on Real Estate [Member] | Residential Portfolio Segment [Member]
Grade:
Loans	133,989	132,553
Mortgage Loans on Real Estate [Member] | Commercial and Municipal Loan [Member] | Pass [Member]
Grade:
Loans	47,224	50,208
Mortgage Loans on Real Estate [Member] | Commercial and Municipal Loan [Member] | Special Mention [Member]
Grade:
Loans	2,609	3,866
Mortgage Loans on Real Estate [Member] | Commercial and Municipal Loan [Member] | Substandard [Member]
Grade:
Loans	2,877	1,510
Mortgage Loans on Real Estate [Member] | Commercial and Municipal Loan [Member]
Grade:
Loans	52,710	55,584
Mortgage Loans on Real Estate [Member] | Commercial Real Estate Construction Financing Receivable [Member] | Pass [Member]
Grade:
Loans	18,325	11,529
Mortgage Loans on Real Estate [Member] | Commercial Real Estate Construction Financing Receivable [Member] | Special Mention [Member]
Grade:
Loans		1,705
Mortgage Loans on Real Estate [Member] | Commercial Real Estate Construction Financing Receivable [Member] | Substandard [Member]
Grade:
Loans	859
Mortgage Loans on Real Estate [Member] | Commercial Real Estate Construction Financing Receivable [Member]
Grade:
Loans	19,184	13,234
Home Equity Line of Credit [Member]
Grade:
Loans	45,336	46,403
Commercial and Industrial and Non Real Estate Municipal [Member] | Pass [Member]
Grade:
Loans	21,831	18,380
Commercial and Industrial and Non Real Estate Municipal [Member] | Special Mention [Member]
Grade:
Loans	337	642
Commercial and Industrial and Non Real Estate Municipal [Member] | Substandard [Member]
Grade:
Loans	1,241	1,475
Commercial and Industrial and Non Real Estate Municipal [Member]
Grade:
Loans	23,409	20,497
Consumer Portfolio Segment [Member] | Not Formally Rated [Member]
Grade:
Loans	16,354	16,576
Consumer Portfolio Segment [Member]
Grade:
Loans	16,354	16,576
Pass [Member]
Grade:
Loans	87,380	80,117
Special Mention [Member]
Grade:
Loans	2,946	6,213
Substandard [Member]
Grade:
Loans	5,836	3,625
Not Formally Rated [Member]
Grade:
Loans	$194,820	$194,892

Note_7_Loan_Information_Detail4

Note 7 - Loan Information (Details) - Age Analysis of Past Due Loans (USD $)	Mar. 31, 2015	Dec. 31, 2014
In Thousands, unless otherwise specified
Financing Receivable, Recorded Investment, Past Due [Line Items]
30-59 days	$277	$599
60-89 days	409	19
90 days or more	1,536	1,892
Total past due	2,222	2,510
Total current	288,760	282,337
Total loans	290,982	284,847
Mortgage Loans on Real Estate [Member] | Home Equity Line of Credit [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
30-59 days	191	328
60-89 days	82
90 days or more		77
Total past due	273	405
Total current	45,063	45,998
Total loans	45,336	46,403
Mortgage Loans on Real Estate [Member] | Residential Portfolio Segment [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
30-59 days	9	147
60-89 days	326
90 days or more	286	516
Total past due	621	663
Total current	133,368	131,890
Total loans	133,989	132,553
Mortgage Loans on Real Estate [Member] | Commercial Portfolio Segment [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
90 days or more	820	860
Total past due	820	860
Total current	42,976	46,122
Total loans	43,796	46,982
Mortgage Loans on Real Estate [Member] | Commercial Real Estate Construction Financing Receivable [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total current	19,184	13,234
Total loans	19,184	13,234
Mortgage Loans on Real Estate [Member] | Municipal [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total current	8,914	8,602
Total loans	8,914	8,602
Non-Real Estate [Member] | Municipal [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total current	1,390	1,459
Total loans	1,390	1,459
Home Equity Line of Credit [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans	45,336	46,403
Municipal [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans	10,304	10,061
Commercial and Industrial [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
90 days or more	421	439
Total past due	421	439
Total current	21,598	18,599
Total loans	22,019	19,038
Consumer Portfolio Segment [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
30-59 days	77	124
60-89 days	1	19
90 days or more	9
Total past due	87	143
Total current	16,267	16,433
Total loans	$16,354	$16,576

Note_7_Loan_Information_Detail5

Note 7 - Loan Information (Details) - Non-Accrual Loans (USD $)	Mar. 31, 2015	Dec. 31, 2014
In Thousands, unless otherwise specified
Note 7 - Loan Information (Details) - Non-Accrual Loans [Line Items]
Loans	$2,131	$2,528
Mortgage Loans on Real Estate [Member] | Home Equity Line of Credit [Member]
Note 7 - Loan Information (Details) - Non-Accrual Loans [Line Items]
Loans		165
Mortgage Loans on Real Estate [Member] | Residential Portfolio Segment [Member]
Note 7 - Loan Information (Details) - Non-Accrual Loans [Line Items]
Loans	881	1,064
Mortgage Loans on Real Estate [Member] | Commercial Portfolio Segment [Member]
Note 7 - Loan Information (Details) - Non-Accrual Loans [Line Items]
Loans	820	860
Commercial and Industrial [Member]
Note 7 - Loan Information (Details) - Non-Accrual Loans [Line Items]
Loans	421	439
Consumer Portfolio Segment [Member]
Note 7 - Loan Information (Details) - Non-Accrual Loans [Line Items]
Loans	$9

Note_7_Loan_Information_Detail6

Note 7 - Loan Information (Details) - Impaired Loans (USD $)	3 Months Ended	12 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Dec. 31, 2014
Financing Receivable, Impaired [Line Items]
Loans, recorded investment-with no allowance	$1,241	$1,033
Loans, unpaid principal balance-with no allowance	1,241	1,033
Loans, average recorded investment-with no allowance	1,306	1,205
Loans, interest income recognized-with no allowance		61
Loans with related allowance recorded, recorded investment		439
Loans with related allowance recorded, unpaid principal balance		439
Loans with related allowance recorded, average recorded investment		372
Related Allowance		6
Total
Recorded investment	1,241	1,472
Unpaid principal balance	1,241	1,472
Related Allowance		6
Average recorded investment	1,306	1,577
Interest income recognized		61
Mortgage Loans on Real Estate [Member] | Home Equity Line of Credit [Member] | Residential Portfolio Segment [Member]
Total
Average recorded investment		133
Interest income recognized		56
Mortgage Loans on Real Estate [Member] | Residential Portfolio Segment [Member]
Financing Receivable, Impaired [Line Items]
Loans, average recorded investment-with no allowance	29
Total
Recorded investment		170
Unpaid principal balance		170
Average recorded investment		172
Interest income recognized		5
Mortgage Loans on Real Estate [Member] | Commercial Real Estate Other Receivable [Member]
Financing Receivable, Impaired [Line Items]
Loans, recorded investment-with no allowance	820
Loans, unpaid principal balance-with no allowance	820
Loans, average recorded investment-with no allowance	847
Total
Recorded investment		860
Unpaid principal balance		860
Average recorded investment		896
Mortgage Loans on Real Estate [Member] | Commercial Real Estate Construction Financing Receivable [Member]
Total
Recorded investment		3
Unpaid principal balance		3
Average recorded investment		4
Home Equity Line of Credit [Member]
Financing Receivable, Impaired [Line Items]
Loans, average recorded investment-with no allowance		133
Loans, interest income recognized-with no allowance		56
Residential Portfolio Segment [Member]
Financing Receivable, Impaired [Line Items]
Loans, recorded investment-with no allowance		170
Loans, unpaid principal balance-with no allowance		170
Loans, average recorded investment-with no allowance		172
Loans, interest income recognized-with no allowance		5
Total
Average recorded investment	29
Commercial Real Estate Other Receivable [Member]
Financing Receivable, Impaired [Line Items]
Loans, recorded investment-with no allowance		860
Loans, unpaid principal balance-with no allowance		860
Loans, average recorded investment-with no allowance		896
Related Allowance		6
Total
Recorded investment	820	439
Unpaid principal balance	820	439
Related Allowance		6
Average recorded investment	847	372
Commercial Real Estate Construction Financing Receivable [Member]
Financing Receivable, Impaired [Line Items]
Loans, recorded investment-with no allowance		3
Loans, unpaid principal balance-with no allowance		3
Loans, average recorded investment-with no allowance		4
Commercial and Industrial [Member]
Financing Receivable, Impaired [Line Items]
Loans, recorded investment-with no allowance	421
Loans, unpaid principal balance-with no allowance	421
Loans, average recorded investment-with no allowance	430
Loans with related allowance recorded, recorded investment		439
Loans with related allowance recorded, unpaid principal balance		439
Loans with related allowance recorded, average recorded investment		372
Related Allowance		6
Total
Recorded investment	421
Unpaid principal balance	421
Related Allowance		6
Average recorded investment	$430

Note_9_Other_Comprehensive_Inc2

Note 9 - Other Comprehensive Income (Details) - Reclassification of Other Comprehensive Income (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Mar. 31, 2014
Reclassification of Other Comprehensive Income [Abstract]
Net change in unrealized holding gains on available-for-sale securities	$568	$1,050
Reclassification adjustment for realized gains in net income (1)	-43
Other comprehensive income before income tax effect	525	1,050
Income tax expense	-177	-357
Other comprehensive income, net of tax	$348	$693