Ocean Shore Holding 10-Q 8 Nov 13 2013 Q3 Quarterly report Financial data

Document_And_Entity_Informatio

Document And Entity Information	9 Months Ended
	Sep. 30, 2013	Nov. 01, 2013
Document Information [Line Items]	'	'
Entity Registrant Name	'Ocean Shore Holding Co.	'
Entity Central Index Key	'0001444397	'
Current Fiscal Year End Date	'--12-31	'
Entity Filer Category	'Accelerated Filer	'
Trading Symbol	'OSHC	'
Entity Common Stock, Shares Outstanding	'	6,964,952
Document Type	'10-Q	'
Amendment Flag	'false	'
Document Period End Date	30-Sep-13	'
Document Fiscal Period Focus	'Q3	'
Document Fiscal Year Focus	'2013	'

CONDENSED_CONSOLIDATED_STATEME

CONDENSED CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
ASSETS	'	'
Cash and amounts due from depository institutions	$9,171	$8,504
Interest-earning bank balances	116,353	154,918
Cash and cash equivalents	125,524	163,422
Investment securities held to maturity (estimated fair value-$7,253 at September 30, 2013; $10,702 at December 31, 2012)	7,158	10,568
Investment securities available for sale (amortized cost-$126,693 at September 30, 2013; $105,978 at December 31, 2012)	123,335	106,206
Loans-net of allowance for loan losses of $4,211 at September 30, 2013 and $3,997 at December 31, 2012	727,618	703,898
Accrued interest receivable:	'	'
Loans	2,303	2,390
Investment securities	213	191
Federal Home Loan Bank stock-at cost	6,320	6,390
Office properties and equipment-net	13,037	13,435
Prepaid expenses and other assets	2,661	5,574
Real estate owned	909	906
Cash surrender value of life insurance	23,032	22,531
Net deferred tax asset	6,112	4,672
Goodwill	4,630	4,630
Other intangible assets	645	675
TOTAL ASSETS	1,043,497	1,045,488
LIABILITIES AND STOCKHOLDERS' EQUITY	'	'
Non-interest bearing deposits	106,174	108,612
Interest bearing deposits	697,876	693,153
Advances from Federal Home Loan Bank	110,000	110,000
Junior subordinated debenture	10,309	15,464
Advances from borrowers for taxes and insurance	3,629	3,708
Accrued interest payable	805	1,257
Other liabilities	8,581	8,566
Total liabilities	937,374	940,760
COMMITMENTS AND CONTINGENCIES	'	'
STOCKHOLDERS' EQUITY:	'	'
Preferred stock, $.01 par value, 5,000,000 shares authorized, none issued	0	0
Common stock, $.01 par value, 25,000,000 shares authorized, 7,307,590 shares issued; 6,964,952 shares outstanding at September 30, 2013; 6,936,733 shares outstanding at December 31, 2012	73	73
Additional paid-in capital	65,213	64,842
Retained earnings - partially restricted	51,132	48,518
Treasury stock-at cost: 342,638 shares at September 30, 2013; 370,857 shares at December 31, 2012	-4,425	-4,777
Common stock acquired by employee benefits plans	-3,067	-3,323
Deferred compensation plans trust	-583	-561
Accumulated other comprehensive loss	-2,220	-44
Total stockholders’ equity	106,123	104,728
TOTAL LIABILITIES AND STOCKHOLDERS’ EQUITY	$1,043,497	$1,045,488

CONDENSED_CONSOLIDATED_STATEME1

CONDENSED CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION (Parenthetical) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, except Share data, unless otherwise specified
Investment securities held to maturity, estimated fair value (in dollars)	$7,253	$10,702
Investment securities available for sale, amortized cost (in dollars)	126,693	105,978
Allowance for loan losses (in dollars)	$4,211	$3,997
Preferred stock, par value (in dollars per share)	$0.01	$0.01
Preferred stock, shares authorized	5,000,000	5,000,000
Preferred stock, shares issued	0	0
Common stock, par value (in dollars per share)	$0.01	$0.01
Common stock, shares authorized	25,000,000	25,000,000
Common stock, shares issued	7,307,590	7,307,590
Common stock, shares outstanding	6,936,733	6,936,733
Treasury stock, shares	342,638	370,857

CONDENSED_CONSOLIDATED_STATEME2

CONDENSED CONSOLIDATED STATEMENTS OF INCOME AND COMPREHENSIVE INCOME (USD $)	3 Months Ended		9 Months Ended
In Thousands, except Per Share data, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
INTEREST AND DIVIDEND INCOME:	'	'	'	'
Taxable interest and fees on loans	$7,964	$8,470	$23,968	$26,202
Taxable interest on mortgage-backed securities	360	270	1,016	698
Non-taxable interest on municipal securities	18	-2	55	70
Taxable interest and dividends on other investment securities	341	337	1,073	1,130
Total interest and dividend income	8,683	9,075	26,112	28,100
INTEREST EXPENSE:	'	'	'	'
Interest on deposits	737	1,056	2,353	3,377
Interest on borrowings	1,365	1,511	4,169	4,532
Total interest expense	2,102	2,567	6,522	7,909
NET INTEREST INCOME	6,581	6,508	19,590	20,191
PROVISION FOR LOAN LOSSES	186	148	580	574
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES	6,395	6,360	19,010	19,617
OTHER INCOME:	'	'	'	'
Service charges	520	440	1,580	1,274
Cash surrender value of life insurance	169	160	501	458
Gain on call of securities	3	50	3	65
Other	436	379	1,270	1,103
Total other income	1,128	1,029	3,354	2,900
OTHER EXPENSE:	'	'	'	'
Salaries and employee benefits	3,084	3,090	9,384	9,270
Occupancy and equipment	1,287	1,265	3,812	3,760
Federal insurance premiums	140	122	405	379
Advertising	86	121	306	369
Professional services	334	307	1,005	834
Real estate owned expense	20	30	55	33
Charitable contributions	38	38	113	113
Other operating expenses	514	474	1,342	1,482
Total other expenses	5,503	5,447	16,422	16,240
INCOME BEFORE INCOME TAXES	2,020	1,942	5,942	6,277
INCOME TAX EXPENSE	696	750	2,079	2,434
NET INCOME	1,324	1,192	3,863	3,843
Other comprehensive income, net of tax:	'	'	'	'
Unrealized gain(loss) on available for sale securities	-220	491	-2,146	714
Unrealized gain(loss) on post retirement life benefit	8	6	-31	-153
COMPREHENSIVE INCOME	$1,112	$1,689	$1,686	$4,404
Earnings per share, basic: (in dollars per share)	$0.20	$0.18	$0.59	$0.57
Earnings per share, diluted: (in dollars per share)	$0.20	$0.18	$0.58	$0.57

CONDENSED_CONSOLIDATED_STATEME3

CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS (USD $)	9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012
OPERATING ACTIVITIES:	'	'
Net income	$3,863	$3,843
Adjustments to reconcile net income to net cash provided by operating activities:	'	'
Depreciation and amortization	429	1,033
Provision for loan losses	580	574
Stock based compensation expense	643	578
Gain on call of AFS securities	-3	-65
Premium paid on partial retirement of junior subordinated debt	112	0
Cash surrender value of life insurance	-501	-458
Changes in assets and liabilities which provided (used) cash:	'	'
Accrued interest receivable	65	264
Prepaid expenses and other assets	2,913	1,156
Accrued interest payable	-452	-358
Other liabilities	-15	963
Net cash provided by operating activities	7,634	7,530
INVESTING ACTIVITIES:	'	'
Mortgage-backed securities available for sale	5,497	3,270
Mortgage-backed securities held to maturity	342	439
Loans originated, net of repayments	-25,318	34,402
Purchases of:	'	'
Life insurance contracts	0	-3,085
Loans	0	-342
Federal Home Loan Bank stock	0	45
Investment securities held to maturity	-2,328	-7,393
Investment securities available for sale	-45,878	-76,256
Office properties and equipment	-315	-319
Proceeds from sale/ maturities/ calls of:	'	'
Federal Home Loan Bank stock	70	0
Investment securities held to maturity	5,393	6,020
Investment securities available for sale	20,032	33,485
Real estate owned	963	188
Net cash used in investing activities	-41,542	-9,546
FINANCING ACTIVITIES:	'	'
Increase in deposits	2,285	67,023
Dividends paid	-1,249	-1,306
Partial retirement of junior subordinated debt	-5,264	0
Exercise of incentive stock options	424	122
Purchase of treasury stock	-86	-4,315
Purchase of shares by deferred compensation plans trust	-21	-20
Increase in advances from borrowers for taxes and insurance	-79	-367
Net cash (used in ) provided by financing activities	-3,990	61,137
NET (DECREASE) INCREASE IN CASH AND CASH EQUIVALENTS	-37,898	59,121
CASH AND CASH EQUIVALENTS-Beginning of period	163,422	155,653
CASH AND CASH EQUIVALENTS-End of period	125,524	214,774
SUPPLEMENTAL DISCLOSURES OF CASH FLOW INFORMATION-Cash paid during the period for:	'	'
Interest	6,965	8,336
Income Taxes	2,152	1,950
SUPPLEMENTAL DISCLOSURES OF NON-CASH ITEMS	'	'
Transfers of loans to real estate owned	$966	$1,058

SUMMARY_OF_SIGNIFICANT_ACCOUNT

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	9 Months Ended
	Sep. 30, 2013
Organization, Consolidation and Presentation of Financial Statements [Abstract]	'
Organization, Consolidation and Presentation of Financial Statements Disclosure and Significant Accounting Policies [Text Block]	'
	1.  SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
	Basis of Financial Statement Presentation - The unaudited condensed consolidated financial statements include the accounts of Ocean Shore Holding Co. (the “Company”) and its subsidiaries.  All significant intercompany balances and transactions have been eliminated in consolidation.  The accompanying unaudited condensed consolidated financial statements were prepared in accordance with instructions to Form 10-Q, pursuant to the rules and regulations of the United States Securities and Exchange Commission (SEC) for interim information, and, therefore, do not include information or footnotes necessary for a complete presentation of financial position, results of operations, changes in stockholders’ equity and cash flows in conformity with accounting principles generally accepted in the United States of America (“GAAP”).  However, all normal recurring adjustments that, in the opinion of management, are necessary for a fair presentation of the condensed consolidated financial statements have been included.  These financial statements should be read in conjunction with the audited consolidated financial statements and the accompanying notes thereto included in the Company’s Annual Report on Form 10-K for the period ended December 31, 2012.  The results for the nine months ended September 30, 2013 are not necessarily indicative of the results that may be expected for the fiscal year ending December 31, 2013 or any other period.  The Company has evaluated subsequent events through the date of the issuance of its financial statements.
	Use of Estimates in the Preparation of Financial Statements - The preparation of the consolidated financial statements in conformity with accounting principles generally accepted in the United States of America requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities, disclosure of contingent assets and liabilities at the date of the condensed consolidated financial statements and the reported amounts of income and expenses during the reporting period.  The most significant estimates and assumptions relate to the allowance for loan losses, goodwill and intangible impairment, deferred income taxes and the fair value measurement for investment securities available for sale.  Actual results could differ from those estimates.
	New Accounting Pronouncements – In July 2012, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“ASU”) No. 2012-02, Testing Indefinite-Lived Intangible Assets for Impairment. This update amends the current guidance on testing indefinite-lived intangible assets for impairment. Under the revised guidance, entities testing indefinite-lived intangible assets for impairment have the option of performing a qualitative assessment before calculating the fair value of the asset. An entity will have an option not to calculate annually the fair value of an indefinite-lived intangible asset if the entity determines that it is not more likely than not that the asset is impaired. The amendments are effective for annual and interim indefinite-lived intangible assets impairment tests performed for fiscal years beginning after September 15, 2012, with early adoption permitted. The adoption of this accounting guidance did not have a material impact on the Company’s consolidated financial statements.
	In February 2013, the FASB issued ASU 2013-02, Other Comprehensive Income,Reporting of Amounts Reclassified Out of Accumulated Other Comprehensive Income. This update requires companies to provide information about the amounts reclassified out of accumulated other comprehensive income by component. In addition, an entity is required to present, either on the face of the statement where net income is presented or in the notes, significant amounts reclassified out of accumulated other comprehensive income by the respective line items of net income but only if the amount reclassified is required under U.S. GAAP to be reclassified to net income in its entirety in the same reporting period. For other amounts that are not required under U.S. GAAP to be reclassified in their entirety to net income, an entity is required to cross reference to other disclosures required under U.S. GAAP that provide additional detail about those amounts. The amendments are effective prospectively for reporting periods beginning after December 15, 2012, with early adoption permitted.  The adoption of this accounting guidance did not have a material impact on the Company’s consolidated financial statements.
	In July 2013, the FASB issued ASU 2013-11, an update to ASC 740, Income Taxes: Presentation of an Unrecognized Tax Benefit When a Net Operating Loss Carryforward, a Similar Tax Loss, or a Tax Credit Carryforward Exists: a consensus of the FASB Emerging Issues Task Force.  This ASU provides explicit guidance on the presentation of unrecognized tax benefits, particularly the manner in which an entity would settle, at the reporting date, any additional income taxes that would result from the disallowance of a tax position when net operating loss carryforwards, similar tax losses, or tax credit carryforwards exist. The provisions of this update are effective January 1, 2014 for the Company and should be applied prospectively; however retrospective application is also permissible. Early adoption of the guidance is permitted. The disclosure impact of this guidance is currently being evaluated by the Company, but is not expected to have a significant impact on the Company's consolidated financial statements.

INVESTMENT_SECURITIES

INVESTMENT SECURITIES	9 Months Ended
	Sep. 30, 2013
Investments, Debt and Equity Securities [Abstract]	'
Investments in Debt and Marketable Equity Securities (and Certain Trading Assets) Disclosure [Text Block]	'
	2.  INVESTMENT SECURITIES
	Investment securities are summarized as follows:
		30-Sep-13
						Gross		Gross		Estimated
		Amortized				Unrealized		Unrealized		Fair
		Cost				Gain		Loss		Value
		(Dollars in thousands)
	Held to Maturity
	Debt Securities - Municipal	$	6,078		$	—	$	—	$	6,078
	US Treasury and government sponsored entity mortgage-backed securities		1,080			95		—		1,175
	Totals	$	7,158		$	95	$	—	$	7,253
	Available for Sale
	Debt securities:
	Corporate	$	11,535		$	173	$	-934	$	10,774
	U.S. Treasury and federal agencies		35,035			—		-1,638		33,397
	Equity securities		3			19		—		22
	US treasury and government sponsored entity mortgage-backed securities		80,120			392		-1,370		79,142
	Totals	$	126,693		$	584	$	-3,942	$	123,335
		December 31, 2012
					Gross		Gross		Estimated
		Amortized			Unrealized		Unrealized		Fair
		Cost			Gain		Loss		Value
		(Dollars in thousands)
	Held to Maturity
	Debt Securities - Municipal	$	9,143		$	—	$	—	$	9,143
	US Treasury and government sponsored entity mortgage-backed securities		1,425			134		—		1,559
	Totals	$	10,568		$	134	$	—	$	10,702
	Available for Sale
	Debt securities:
	Corporate	$	11,487		$	174	$	-1,195	$	10,466
	US Treasury and federal agencies		40,068			28		-5		40,091
	Equity securities		3			12		-2		13
	US Treasury and government sponsored entity mortgage-backed securities		54,420			1,230		-14		55,636
	Totals	$	105,978		$	1,444	$	-1,216	$	106,206
	The following table provides the gross unrealized losses and fair value, aggregated by investment category and length of time the individual securities have been in a continuous unrealized loss position at September 30, 2013 and December 31, 2012:
		September 30, 2013
		Less Than 12 Months					12 Months or Longer				Total
					Gross				Gross				Gross
		Estimated			Unrealized		Estimated		Unrealized		Estimated		Unrealized
		Fair Value			Loss		Fair Value		Loss		Fair Value		Loss
		(Dollars in thousands)
	Debt securities -
	U.S. Agencies	$	33,362		$	-1,638	$	—	$	—	$	33,362	$	-1,638
	Corporate		—			—		3,771		-934		3,771		-934
	US treasury and government sponsored entity mortgage- backed securities		72,775			-1,364		514		-6		73,289		-1,370
	Equity securities		—			—		—		—		—		—
	Totals	$	106,137		$	-3,002	$	4,285	$	-940	$	110,422	$	-3,942
		December 31, 2012
		Less Than 12 Months					12 Months or Longer				Total
						Gross				Gross				Gross
			Estimated			Unrealized		Estimated		Unrealized		Estimated		Unrealized
			Fair Value			Loss		Fair Value		Loss		Fair Value		Loss
		(Dollars in thousands)
	Debt securities -
	U.S. Treasury	$	5,995		$	-5	$	32	$	—	$	6,027	$	-5
	Corporate		—			—		3,509		-1,195		3,509		-1,195
	US treasury and government sponsored entity mortgage- backed securities		1,659			-7		600		-7		2,259		-14
	Equity securities		—			—		1		-2		1		-2
	Totals	$	7,654		$	-12	$	4,142	$	-1,204	$	11,796	$	-1,216
	Management has reviewed its investment securities as of September 30, 2013 and has determined that all declines in fair value below amortized cost are temporary.
	Management evaluates securities for other-than-temporary impairment (“OTTI”) at least on a quarterly basis, and more frequently when economic or market concerns warrant such evaluation. The Company determines whether the unrealized losses are temporary in accordance with FASB ASC 325-40, when applicable, and FASB ASC 320-10. The evaluation is based upon factors such as the creditworthiness of the issuers/guarantors, the underlying collateral, if applicable, and the continuing performance of the securities. Management also evaluates other facts and circumstances that may be indicative of an OTTI condition. This includes, but is not limited to, an evaluation of the type of security, length of time and extent to which the fair value has been less than cost, and near-term prospects of the issuer.
	Below is a roll forward of the anticipated credit losses on securities for which the Company has recorded other than temporary impairment charges through earnings and other comprehensive income.
		2013			2012
	(Dollars in thousands)
Credit component of OTTI as of January 1,	$	3,000		$	3,000
Additions for credit related OTTI charges on previously unimpaired securities		—			—
Reductions for securities sold during the period		—			—
Reductions for increases in cash flows expected to be collected and recognized over		—			—
the remaining life of the security
Additional increases as a result of impairment charges recognized on investments		—			—
for which an OTTI was previously recognized
Credit component of OTTI as of September 30,	$	3,000		$	3,000
Two pooled trust preferred collateralized debt obligations (“CDOs”) backed by bank trust capital securities have been determined to be other-than-temporarily impaired in 2009 and 2008, due solely to credit related factors.  These securities have Fitch credit ratings below investment grade at September 30, 2013.  Each of the securities is in the mezzanine levels of credit subordination.  The underlying collateral consists of the bank trust capital securities of over 50 institutions.  A summary of key assumptions utilized to forecast future expected cash flows on the securities determined to have OTTI were as follows as of September 30, 2013 and 2012:
	September 30, 2013		September 30, 2012
Future loss rate assumption per annum	.8% to 1.2%		.8% to 1.2%
Expected cumulative loss percentage	27.80%		27.80%
Cumulative loss percentage to date	37.0% to 33.2%		37.0% to 33.2%
Remaining life	28 years		29 years
Corporate Debt Securities - The Company’s investments in the preceding table in corporate debt securities consist of corporate debt securities issued by large financial institutions and single issuer and pooled trust preferred/collateralized debt obligations backed by bank trust preferred capital securities.
At September 30, 2013, one debt security and two single issuer trust preferred securities had been in a continuous unrealized loss position for 12 months or longer.  Those securities had aggregate depreciation of 19.8% from the Company’s amortized cost basis.  The decline is primarily attributable to the depressed pricing of private placement single issuer trust preferred securities and the increased credit spread in the financial markets for all of these investments. These securities were performing in accordance with their contractual terms as of September 30, 2013, and had paid all contractual cash flows since the Company’s initial investment and that the Company expects to receive all contractual principal and interest payments related to those investments.  Management believes these unrealized losses are not other-than-temporary based upon the Company’s analysis that the securities will perform in accordance with their terms and the Company’s intent not to sell these investments for a period of time sufficient to allow for the anticipated recovery of fair value, which may be maturity.
United States Treasury, US Federal Agencies and Government Sponsored Enterprise Mortgage-backed Securities - The Company’s investments in the preceding table in United States government sponsored enterprise notes consist of debt obligations of the Federal Home Loan Bank (“FHLB”), Federal Home Loan Mortgage Corporation (“FHLMC”), and Federal National Mortgage Association (“FNMA”).  At September 30, 2013 the Company had four agency mortgage-backed securities with unrealized losses for 12 months or longer.  Those securities had aggregate depreciation of 1.1% from the Company’s amortized cost basis.  These securities were performing in accordance with their contractual terms as of September 30, 2013, and had paid all contractual cash flows since the Company’s initial investment and that the Company expects to receive all contractual principal and interest payments related to those investments.  Management believes these unrealized losses are not other-than-temporary based upon the Company’s analysis that the securities will perform in accordance with their terms and the Company’s intent not to sell these investments for a period of time sufficient to allow for the anticipated recovery of fair value, which may be maturity.
The amortized cost and estimated fair value of debt securities available for sale and held to maturity at September 30, 2013 by contractual maturity are shown below.
	September 30, 2013
	Held to Maturity					Available for Sale Securities
	Amortized			Estimated		Amortized		Estimated
	Cost			Fair Value		Cost		Fair Value
	(Dollars in thousands)
Due within 1 year	$	6,078		$	6,078	$	—	$	—
Due after 1 year through 5 years		—			—		6,865		7,038
Due after 5 years through 10 years		—			—		15,000		14,490
Due after 10 years		—			—		24,705		22,643
Total	$	6,078		$	6,078	$	46,570	$	44,171
Not reflected in the table above, are equity securities and mortgage-backed securities. Equity securities do not have stated contractual maturities while mortgage-backed securities may have expected maturities different than those contractually stated.  Expected maturities will differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties.  Equity securities had a cost of $3 thousand and a fair value of $22 thousand as of September 30, 2013.  Mortgage-backed securities had a cost of $81.2 million and a fair value of $80.3 million as of September 30, 2013.

LOANS_RECEIVABLE_NET

LOANS RECEIVABLE - NET	9 Months Ended
	Sep. 30, 2013
Receivables [Abstract]	'
Loans, Notes, Trade and Other Receivables Disclosure [Text Block]	'
	3.  LOANS RECEIVABLE  - NET
	Loans receivable consist of the following:
		September 30, 2013			December 31, 2012
		(Dollars in thousands)
	Real estate - mortgage:
	One-to-four family residential	$	536,946		$	522,206
	Commercial and multi-family		85,318			80,013
	Total real estate-mortgage		622,264			602,219
	Real estate - construction:
	Residential		19,653			12,709
	Commercial		4,848			4,821
	Total real estate - construction		24,501			17,530
	Commercial		23,823			22,932
	Consumer:
	Home equity		57,245			61,328
	Other consumer loans		861			879
	Total consumer loans		58,106			62,207
	Total loans		728,694			704,888
	Net deferred loan cost		3,135			3,007
	Allowance for loan losses		-4,211			-3,997
	Net total loans	$	727,618		$	703,898
	Loans pledged as collateral for FHLB borrowings totaled $123.6 million at September 30, 2013 and December 31, 2012.
	Changes in the allowance for loan losses are as follows:
		Nine months Ended September 30,
		2013			2012
		(Dollars in thousands)
	Balance, beginning of period	$	3,997		$	3,762
	Provision for loan loss		580			574
	Charge-offs		-379			-669
	Recoveries		13			29
	Balance, end of period	$	4,211		$	3,696
	The provision for loan losses charged to expense is based upon past loan loss experiences and an evaluation of losses in the current loan portfolio, including the evaluation of impaired loans.  The Company established a provision for loan losses of $580 thousand for the nine months ended September 30, 2013 as compared to $574 thousand for the comparable period in 2012.
	A loan is considered to be impaired when, based upon current information and events, it is probable that the Company will be unable to collect all amounts due according to the contractual terms of the loan. An insignificant delay or insignificant shortfall in amount of payments does not necessarily result in the loan being identified as impaired. For this purpose, delays less than 90 days generally are considered to be insignificant. As of September 30, 2013 and December 31, 2012, the impairment was measured based on the fair value of the loans’ collateral, adjusted for cost to dispose. Loans collectively evaluated for impairment include residential real estate loans, consumer loans, and smaller balance commercial and commercial real estate loans.
	Non-performing loans at September 30, 2013 and December 31, 2012 consisted of non-accrual loans that amounted to $5.4 million and $5.8 million, respectively.  The reserve for delinquent interest on loans totaled $301 thousand and $321 thousand, at September 30, 2013 and December 31, 2012, respectively.
	Non-performing assets segregated by classification are as follows:
		September 30, 2013			December 31, 2012
		(Dollars in thousands)
	Real estate
	One-to-four family residential	$	3,914		$	3,850
	Commercial and multi-family		466			1,275
	Construction Loans		84			84
	Commercial		525			200
	Consumer		457			342
	Total non-accrual loans		5,446			5,751
	Real estate owned		909			906
	Total non-performing assets	$	6,355		$	6,657
	A rollforward of the Company’s nonaccretable and accretable yield on loans accounted for under ASU 310-30, Loans and Debts Securities Acquired with Deteriorated Credit Quality, is shown below for the nine month period ended September 30, 2013:
		Contractual			Nonaccretable			Accretable			Carrying
		Receivable			(Yield)/Premium			(Yield)/Premium			Amount
		Amount
		(Dollars in thousands)
	Balance at January 1, 2013	$	63,690		$	-3,423		$	983		$	61,250
	Principal reductions		-9,591			—			—			-9,591
	Charge-offs, net		-229			229			—			—
	Amortization of loan premium		—			—			-179			-179
	Settlement adjustments		—			—			—			—
	Balance at September 30, 2013	$	53,870		$	-3,194		$	804		$	51,480
	An age analysis of past due loans, segregated by class of loans, as of September 30, 2013 and December 31, 2012 are as follows:
		30-59 Days			60-89 Days			Greater			Total Past			Current			Total Loans
		Past Due			Past Due			Than			Due						Receivable
								90 Days
		(Dollars in thousands)
	30-Sep-13
Real Estate
1-4 Family Residential	$	918		$	—		$	3,914		$	4,832		$	532,114		$	536,946
Commercial and Multi-Family		—			—			466			466			84,852			85,318
Construction		—			—			84			84			24,417			24,501
Commercial		—			—			525			525			23,298			23,823
Consumer		131			69			457			657			57,449			58,106
Total	$	1,049		$	69		$	5,446		$	6,564		$	722,130		$	728,694
31-Dec-12
Real Estate
1-4 Family Residential	$	1,988		$	—		$	3,850		$	5,838		$	516,368		$	522,206
Commercial and Multi-Family		240			—			1,275			1,515			78,498			80,013
Construction		—			—			84			84			17,446			17,530
Commercial		524			—			200			724			22,208			22,932
Consumer		404			124			342			870			61,337			62,207
Total	$	3,156		$	124		$	5,751		$	9,031		$	695,857		$	704,888
Impaired loans are set forth the in the following table.  No interest income was recognized on impaired loans subsequent to their classification as impaired.
	Recorded			Unpaid			Related			Average
	Investment			Principal			Allowance			Recorded
				Balance						Investment
	(Dollars in thousands)
30-Sep-13
With no related allowance recorded
Real Estate
1-4 Family Residential	$	3,288		$	3,325		$	—		$	173
Commercial and Multi-Family		466			466			—			466
Construction		—			—			—			—
Commercial		—			—			—			—
Consumer		308			308			—			62
With an allowance recorded
Real Estate
1-4 Family Residential		2,465			2,651			287			274
Commercial and Multi-Family		—			—			—			—
Construction		84			84			33			84
Commercial		525			525			13			262
Consumer		272			272			58			91
Total
Real Estate
1-4 Family Residential	$	5,753		$	5,976		$	287		$	205
Commercial and Multi-Family		466			466			—			466
Construction		84			84			33			84
Commercial		525			525			13			262
Consumer		580			580			58			73
31-Dec-12
With no related allowance recorded
Real Estate
1-4 Family Residential	$	2,429		$	2,429		$	—		$	202
Commercial and Multi-Family		1,275			1,275			—			425
Construction		84			84			—			84
Commercial		—			—			—			—
Consumer		342			342			—			57
With an allowance recorded
Real Estate
1-4 Family Residential		3,307			3,438			369			331
Commercial and Multi-Family		—			—			—			—
Construction		—			—			—			—
Commercial		200			200			69			200
Consumer		128			128			27			128
Total
Real Estate	$	5,736		$	5,867		$	369		$	533
1-4 Family Residential		1,275			1,275			—			425
Commercial and Multi-Family		84			84			—			84
Construction		200			200			69			200
Commercial		470			470			27			185
Included in the Company’s loan portfolio are modified commercial loans. Per FASB ASC 310-40, Troubled Debt Restructuring (“TDR”), a modification is one in which the creditor, for economic or legal reasons related to the debtor’s financial difficulties, grants a concession to the debtor that it would not otherwise consider, such as providing for a below market interest rate and/or forgiving principal or previously accrued interest; this modification may stem from an agreement or be imposed by law or a court, and may involve a multiple note structure. Generally, prior to the modification, the loans which are modified as a TDR are already classified as non-performing. These loans may only be returned to performing (i.e. accrual status) after considering the borrower’s sustained repayment performance for a reasonable amount of time, generally six months; this sustained repayment performance may include the period of time just prior to the restructuring.  As of September 30, 2013, the Company entered into six TDR agreements with a total carrying value of $2.0 million, all of which were performing.
Included in impaired loans at September 30, 2013 were two TDRs, which had a specific reserve of $155 thousand.  The following table presents an analysis of the Company’s TDR agreements existing as of September 30, 2013 and December 31, 2012, respectively.
	As of September 30, 2013								As of December 31, 2012
				Outstanding Recorded Investment							Outstanding Recorded Investment
	Number of			Pre-			Post-		Number of			Pre-			Post-
	Contracts			Modification			Modification		Contracts			Modification			Modification
	(Dollars in thousands)								(Dollars in thousands)
1-4 Family Residential	5		$	1,846		$	1,846		3		$	1,548		$	1,548
Consumer	1			125			125		1			128			128
Total	6		$	1,971		$	1,971		4		$	1,676		$	1,676
Federal regulations require us to review and classify our assets on a regular basis.  In addition, federal banking regulators have the authority to identify problem assets and, if appropriate, require them to be classified.  There are three classifications for problem assets:  substandard, doubtful and loss.  “Substandard assets” must have one or more defined weaknesses and are characterized by the distinct possibility that we will sustain some loss if the deficiencies are not corrected.  “Doubtful assets” have the weaknesses of substandard assets with the additional characteristic that the weaknesses make collection or liquidation in full on the basis of currently existing facts, conditions and values questionable, and there is a high possibility of loss.  An asset classified as “loss” is considered uncollectible and of such little value that continuance as an asset of the institution is not warranted.  The regulations also provide for a “special mention” category, described as assets which do not currently expose us to a sufficient degree of risk to warrant classification but do possess credit deficiencies or potential weaknesses deserving our close attention.  When we classify an asset as substandard or doubtful we establish a specific allowance for loan losses.  If we classify an asset as loss, we charge off an amount equal to 100% of the portion of the asset classified loss.
The following table presents classified loans by class of loans as of September 30, 2013 and December 31, 2012.
	Real Estate
	1-4 Family						Commercial						Construction					Commercial				Consumer
	Residential						and Multi-Family
	9/30/13			12/31/12			9/30/13			12/31/12			9/30/13			12/31/12		9/30/13		12/31/12		9/30/13		12/31/12
	(Dollars in thousands)
Grade:
Special Mention	$	3,911		$	2,394		$	381		$	3,582		$	—		$	84	$	93	$	62	$	834	$	429
Substandard		7,761			7,367			3,676			4,213			84			—		753		1,188		949		729
Doubtful and Loss		—			—			—			—			—			—		—		—		—		—
Total	$	11,672		$	9,761		$	4,057		$	7,795		$	84		$	84	$	846	$	1,250	$	1,783	$	1,158
The following table presents the credit risk profile of loans based on payment activity as of September 30, 2013 and December 31, 2012.
	Real Estate
	1-4 Family						Commercial						Construction					Commercial				Consumer
	Residential						and Multi-Family
	9/30/13			12/31/12			9/30/13			12/31/12			9/30/13			12/31/12		9/30/13		12/31/12		9/30/13		12/31/12
	(Dollars in thousands)
Performing	$	533,032		$	518,356		$	84,852		$	78,738		$	24,417		$	17,446	$	23,298	$	22,732	$	57,649	$	61,865
Non-Performing		3,914			3,850			466			1,275			84			84		525		200		457		342
Total	$	536,946		$	522,206		$	85,318		$	80,013		$	24,501		$	17,530	$	23,823	$	22,932	$	58,106	$	62,207
The following table details activity in the allowance for possible loan losses by portfolio segment for the periods ended September 30, 2013 and December 31, 2012.  Allocation of a portion of the allowance to one category does not preclude its availability to absorb losses in other categories.
	Real Estate
	1-4 Family			Commercial			Construction			Commercial			Consumer			Total
	Residential			and
				Multi-Family
	(Dollars in thousands)
30-Sep-13
Allowance for credit losses:
Beginning Balance	$	2,585		$	509		$	187		$	286		$	430		$	3,997
Charge-offs		-298			-78			—			—			-3			-379
Recoveries		—			—			—			—			13			13
Provision for loan losses		584			178			-110			-115			43			580
Ending balance	$	2,871		$	609		$	77		$	171		$	483		$	4,211
Ending balance: individually evaluated for impairment	$	287		$	—		$	33		$	13		$	58		$	391
Ending balance: collectively evaluated for impairment	$	2,584		$	609		$	44		$	158		$	425		$	3,820
Loan Receivables:
Ending balance	$	536,946		$	85,318		$	24,501		$	23,823		$	58,106		$	728,694
Ending balance: individually evaluated for impairment	$	5,753		$	466		$	84		$	525		$	580		$	7,408
Ending balance: collectively evaluated for impairment	$	531,193		$	84,852		$	24,417		$	23,298		$	57,526		$	721,286
31-Dec-12
Allowance for credit losses:
Beginning Balance	$	2,513		$	460		$	98		$	229		$	462		$	3,762
Charge-offs		-557			—			—			-29			-105			-691
Recoveries		13			—			—			20			—			33
Provision for loan losses		616			49			89			66			73			893
Ending balance	$	2,585		$	509		$	187		$	286		$	430		$	3,997
Ending balance: individually evaluated for impairment	$	369		$	—		$	—		$	69		$	27		$	465
Ending balance: collectively evaluated for impairment	$	2,216		$	509		$	187		$	217		$	403		$	3,532
Loan Receivables:
Ending balance	$	522,206		$	80,013		$	17,530		$	22,932		$	62,207		$	704,888
Ending balance: individually evaluated for impairment	$	5,736		$	1,275		$	84		$	200		$	470		$	7,765
Ending balance: collectively evaluated for impairment	$	516,470		$	78,738		$	17,446		$	22,732		$	61,737		$	697,123

DEPOSITS

DEPOSITS	9 Months Ended
	Sep. 30, 2013
Banking and Thrift [Abstract]	'
Deposit Liabilities Disclosures [Text Block]	'
	4.  DEPOSITS
	Deposits consist of the following major classifications:
		September 30, 2013				December 31, 2012
				Weighted				Weighted
				Average				Average
		Amount		Interest Rate		Amount		Interest Rate
		(Dollars in thousands)
	NOW and other demand deposit accounts	$	436,501	0.12	%	$	417,401	0.12	%
	Passbook savings and club accounts		170,446	0.2	%		166,861	0.2	%
	Subtotal		606,947				584,262
	Certificates with original maturities:
	Within one year		71,222	0.4	%		69,620	0.41	%
	One to three years		100,554	1.13	%		119,467	1.39	%
	Three years and beyond		25,327	2.06	%		28,416	2.56	%
	Total certificates		197,103				217,503
	Total	$	804,050			$	801,765
	The aggregate amount of certificate accounts in denominations of $100 thousand or more at September 30, 2013 and December 31, 2012 amounted to $72.4 million and $79.6 million, respectively.  Currently, deposits in excess of $250 thousand are generally not federally insured.
	Municipal demand deposit accounts in denominations of $100 thousand or more at September 30, 2013 and December 31, 2012 amounted to $163.6 million and $157.6 million, respectively.

EARNINGS_PER_SHARE

EARNINGS PER SHARE	9 Months Ended
	Sep. 30, 2013
Earnings Per Share [Abstract]	'
Earnings Per Share [Text Block]	'
	5.  EARNINGS PER SHARE
	Basic net income per share is based upon the weighted average number of common shares outstanding, net of any treasury shares, while diluted net income per share is based upon the weighted average number of common shares outstanding, net of any treasury shares, after consideration of the potential dilutive effect of common stock equivalents, based upon the treasury stock method using an average market price for the period, and impact of unallocated Employee Stock Ownership Plan (“ESOP”) shares.
	The calculated basic and dilutive EPS are as follows:
		Three Months Ended September 30,				Nine Months Ended September 30,
		2013		2012		2013		2012
		(Dollars in thousands, except per share data)
	Numerator – Net Income	$	1,324	$	1,192	$	3,863	$	3,843
	Denominators:
	Basic average shares outstanding		6,533,760		6,625,221		6,514,699		6,715,043
	Effect of dilutive common stock equivalents		111,658		55,942		119,055		70,758
	Diluted average shares outstanding		6,645,418		6,681,163		6,633,754		6,785,801
	Earnings per share:
	Basic	$	0.2	$	0.18	$	0.59	$	0.57
	Diluted	$	0.2	$	0.18	$	0.58	$	0.57
	At September 30, 2013 and 2012, there were 541,112 and 639,272 outstanding anti-dilutive options, respectively, and 40,590 and 60,390 outstanding dilutive non-vested shares, respectively.

STOCKBASED_COMPENSATION

STOCK-BASED COMPENSATION	9 Months Ended
	Sep. 30, 2013
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]	'
Disclosure of Compensation Related Costs, Share-based Payments [Text Block]	'
	6.     STOCK-BASED COMPENSATION
	Stock-based compensation is accounted for in accordance with FASB ASC 718, Compensation – Stock Compensation.  The Company establishes fair value for its equity awards to determine their cost. The Company recognizes the related expense for employees over the appropriate vesting period, or when applicable, service period. However, consistent with the stock compensation topic of the FASB Accounting Standards Codification, the amount of stock-based compensation recognized at any date must at least equal the portion of the grant date value of the award that is vested at that date and as a result it may be necessary to recognize the expense using a ratable method. In accordance with FASB ASC 505-50, Equity-Based Payments to Non-Employees, the compensation expense for non-employees is recognized on the grant date, or when applicable, the service period.
	The Company’s 2005 and 2010 Equity-Based Incentive Plans (the “Equity Plans”) authorizes the issuance of shares of common stock pursuant to awards that may be granted in the form of stock options to purchase common stock (“options”) and awards of shares of common stock (“stock awards”). The purpose of the Equity Plans is to attract and retain personnel for positions of substantial responsibility and to provide additional incentive to certain officers, directors, advisory directors, employees and other persons to promote the success of the Company. Under the Equity Plan, options expire ten years after the date of grant, unless terminated earlier under the option terms. A committee of non-employee directors has the authority to determine the conditions upon which the options granted will vest. Options are granted at the then fair market value of the Company’s stock.
	A summary of the status of the Company’s stock options under the Equity Plans as of September 30, 2013 and 2012 and changes during the nine months ended September 30, 2013 and 2012 are presented below:
		Nine Months Ended			Nine Months Ended
		September 30, 2013			September 30, 2012
		Number	Weighted		Number	Weighted
		of shares	average		of shares	average
			exercise price			exercise price
	Outstanding at the beginning of the period	649,313	$	11.9	650,804	$	11.9
	Granted	—		—	—		—
	Exercised	34,013	$	12.38	11,532	$	10.61
	Forfeited	—		—	—		—
	Outstanding at the end of the period	615,300	$	11.92	639,272	$	11.9
	Exercisable at the end of the period	468,986	$	12.23	441,322	$	13.16
	Stock options vested or expected to vest (1)	553,770	$	11.92	575,345	$	11.9
	(1)   Includes vested shares and nonvested shares after a forfeiture rate, which is based upon historical data, is applied.
	The following table summarizes all stock options outstanding under the Equity Plan as of September 30, 2013:
		Options Outstanding
	Date Issued	Number of	Weighted Average		Weighted Average
		Shares	Exercise Price		Remaining
					Contractual Life
	10-Aug-05	270,729	$	13.19	1.9 years
	21-Nov-06	17,586	$	14.78	3.2 years
	20-Nov-07	19,919	$	11.32	4.2 years
	18-Aug-10	224,628	$	10.21	6.9 years
	15-Mar-11	13,600	$	12.06	7.5 years
	17-Aug-11	51,338	$	11.53	7.9 years
	19-Nov-12	17,500	$	13.1	9.2 years
	Total	615,300	$	11.92	4.7 years
	The compensation expense recognized for the three and nine months ended September 30, 2013 was $38 thousand and $114 thousand as compared to $37 thousand and $110 thousand for the three and nine months ended September 30, 2012.
	At September 30, 2013, there was $481 thousand of total unrecognized compensation cost related to options granted under the stock option plans.  That cost is expected to be recognized over a weighted average period of 1.9 years.
	Summary of Non-vested Stock Award Activity:
		Nine Months ended			Nine Months ended
		September 30, 2013			September 30, 2012
		Number of	Weighted avg		Number of	Weighted avg
		shares	grant date fair		shares	grant date fair
			value			value
	Beginning of period	60,390	$	10.33	80,190	$	10.32
	Issued	—		—	—		—
	Forfeited	—		—	—		—
	Vested	19,800	$	10.3	19,800	$	10.3
	Outstanding at September 30, 2013	40,590	$	10.35	60,390	$	10.33
	The compensation expense recognized for the three and nine months ended September 30, 2013 was $51 thousand and $153 thousand as compared to $51 thousand and $153 thousand for the three and nine months ended September 30, 2012.
	As of September 30, 2013, there was $376 thousand of total unrecognized compensation costs related to nonvested stock awards.  That cost is expected to be recognized over a weighted average period of 1.9 years.

INCOME_TAXES

INCOME TAXES	9 Months Ended
	Sep. 30, 2013
Income Tax Disclosure [Abstract]	'
Income Tax Disclosure [Text Block]	'
	7.       INCOME TAXES
	Income tax expense was $2.1 million for an effective tax rate of 35.0% for the nine months ended September 30, 2013 compared to $2.4 million for an effective tax rate of 38.8% for the same period in 2012.  The decrease in the effective rate was based upon a reduction in state income tax expense as a result of forming a subsidiary real estate investment trust in the second quarter.
	Periodic reviews of the carrying amount of deferred tax assets are made to determine if the establishment of a valuation allowance is necessary. If based on the available evidence in future periods, it is more likely than not that all or a portion of the Company’s deferred tax assets will not be realized, a deferred tax valuation allowance would be established. Consideration is given to all positive and negative evidence related to the realization of the deferred tax assets.  Items considered in this evaluation include historical financial performance, expectation of future earnings, the ability to carry back losses to recoup taxes previously paid, length of statutory carryforward periods, experience with operating loss and tax credit carryforwards not expiring unused, tax planning strategies and timing of reversals of temporary differences. Significant judgment is required in assessing future earnings trends and the timing of reversals of temporary differences. The evaluation is based on current tax laws as well as expectations of future performance. At September 30, 2013 and December 31, 2012, no valuation allowance has been recorded for any portfolio of the outstanding deferred tax asset.
	The Company recognizes, when applicable, interest and penalties related to unrecognized tax benefits in the provision for income taxes in the consolidated income statement. As of September 30, 2013, the tax years ended December 31, 2009 through 2012 were subject to examination by the Internal Revenue Service, while the tax years ended December 31, 2008 through 2012 were subject to New Jersey examination.

STOCKHOLDERS_EQUITY

STOCKHOLDERS' EQUITY	9 Months Ended
	Sep. 30, 2013
Equity [Abstract]	'
Stockholders' Equity Note Disclosure [Text Block]	'
	8.    STOCKHOLDERS’ EQUITY
	During the third quarter of 2013, the Board of Directors of the Company declared a cash dividend of $0.06 per share, which was paid on August 23, 2013 to stockholders of record as of the close of business on August 2, 2013.
	No reclassification adjustments were recognized in Accumulated Other Comprehensive Income during the three and nine months ended September 30, 2013 and 2012.  A summary of the changes in components of Accumulated Other Comprehensive Income for the three and nine months ended September 30, 2013 and 2012 are presented below:
		2013						2012
		Unrealized		Loss on Post		Accumulated		Unrealized		Loss on Post		Accumulated
		Gain (Loss) on		Retirement		Other		Gain (Loss) on		Retirement		Other
		Available for		Life Benefit		Comprehensive		Available for		Life Benefit		Comprehensive
		Sale Securities				Income		Sale Securities				Income
		(Dollars in thousands)						(Dollars in thousands)
	July 1,	$	-1,822	$	-186	$	-2,008	$	-348	$	-159	$	-507
	Current period change		-411		8		-403		801		6		807
	Tax benefit		191		-		191		-310		-		-310
	September 30,	$	-2,042	$	-178	$	-2,220	$	143	$	-153	$	-10
		2013						2012
		Unrealized		Loss on Post		Accumulated		Unrealized		Loss on Post		Accumulated
		Gain (Loss) on		Retirement		Other		Gain (Loss) on		Retirement		Other
		Available for		Life Benefit		Comprehensive		Available for		Life Benefit		Comprehensive
		Sale Securities				Income		Sale Securities				Income
		(Dollars in thousands)						(Dollars in thousands)
	January 1,	$	104	$	-148	$	-44	$	-571	$	-	$	-571
	Current period change		-3,586		-31		-3,617		1,164		-153		1,011
	Tax benefit		1,440		-		1,440		-450		-		-450
	September 30,	$	-2,042	$	-178	$	-2,220	$	143	$	-153	$	-10

FAIR_VALUE_MEASUREMENTS

FAIR VALUE MEASUREMENTS	9 Months Ended
	Sep. 30, 2013
Fair Value Disclosures [Abstract]	'
Fair Value Disclosures [Text Block]	'
	9.    FAIR VALUE MEASUREMENTS
	The Company accounts for fair value measurement in accordance with FASB ASC 820, Fair Value Measurements and Disclosures.  FASB ASC 820 defines fair value, establishes a framework for measuring fair value, and expands disclosures about fair value measurements.  FASB ASC 820 does not require any new fair value measurements. The definition of fair value retains the exchange price notion in earlier definitions of fair value. FASB ASC 820 clarifies that the exchange price is the price in an orderly transaction between market participants to sell the asset or transfer the liability in the market in which the reporting entity would transact for the asset or liability. The definition focuses on the price that would be received to sell the asset or paid to transfer the liability (an exit price), not the price that would be paid to acquire the asset or received to assume the liability (an entry price). FASB ASC 820 emphasizes that fair value is a market-based measurement, not an entity-specific measurement.  FASB ASC 820 also clarifies the application of fair value measurement in a market that is not active.
	FASB ASC 820 describes three levels of inputs that may be used to measure fair value:
	Level 1 - Quoted prices in active markets for identical assets or liabilities.
	Level 2 - Observable inputs other than Level 1 prices such as quoted prices for similar assets or liabilities; quoted prices in markets that are not active; or other inputs that are observable or can be corroborated by observable market data for substantially the full term of the assets or liabilities.
	Level 3 - Unobservable inputs that are supported by little or no market activity and that are significant to the fair value of the assets or liabilities. Level 3 assets and liabilities include financial instruments whose value is determined using pricing models, discounted cash flow methodologies, or similar techniques, as well as instruments for which the determination of fair value requires significant management judgment or estimation.
	The Company’s assessment of the significance of a particular input to the fair value measurement in its entirety requires judgment and considers factors specific to the asset or liability.
	In addition, the Company is to disclose the fair value measurements for financial assets on both a recurring and non-recurring basis.
	Those assets at September 30, 2013 which will continue to be measured at fair value on a recurring basis are as follows:
		Category Used for Fair Value Measurement
	Assets:	Level 1		Level 2		Level 3
		(Dollars in thousands)
	Securities available for sale:
	U.S. government sponsored entity mortgage-backed securities	$	—	$	79,142	$	—
	U.S. Treasury and federal agencies		—		33,397		—
	State and municipal obligations		—		—		—
	Corporate securities		—		10,774		—
	Equity securities		22		—		—
	Totals	$	22	$	123,313	$	—
	Those assets at December 31, 2012 which will continue to be measured at fair value on a recurring basis are as follows:
		Category Used for Fair Value Measurement
	Assets:	Level 1		Level 2		Level 3
		(Dollars in thousands)
	Securities available for sale:
	U.S. government sponsored entity mortgage-backed securities	$	—	$	55,636	$	—
	U.S. Treasury and federal agencies		—		40,091		—
	State and municipal obligations		—		—		—
	Corporate securities		—		10,466		—
	Equity securities		13		—		—
	Totals	$	13	$	106,193	$	—
	In accordance with the fair value measurement and disclosures topic of the FASB Accounting Standards Codification management assessed whether the volume and level of activity for certain assets have significantly decreased when compared with normal market conditions. The Company concluded that there was not a significant decrease in the volume and level of activity with respect to certain investments included in the corporate debt securities and classified as level 2 in accordance with the framework for fair value measurements. Fair value for such securities is obtained from third party broker quotes. The Company evaluated these values to determine that the quoted price is based on current information that reflects orderly transactions or a valuation technique that reflects market participant assumptions by benchmarking the valuation results and assumptions used against similar securities that are more actively traded in order to assess the reasonableness of the estimated fair values. The fair market value estimates we assign to these securities assume liquidation in an orderly fashion and not under distressed circumstances.
	Certain assets are measured at fair value on a nonrecurring basis; that is, the instruments are not measured at fair value on an ongoing basis but are subject to fair value adjustments in certain circumstances (for example, when there is evidence of impairment). The Company measures impaired loans, FHLB stock and loans or bank properties transferred into other real estate owned at fair value on a non-recurring basis.
	Summary of Non-Recurring Fair Value Measurements
				Category Used for Fair Value
				Measurement
	Nine Month	Total		Level 1		Level 2		Level 3		Total
	Period Ended									Losses
		(Dollars in thousands)
	30-Sep-13
	Assets:
	Impaired loans	$	3,111	$	–	$	2,958	$	153	$	-97
	Real estate owned		525		–		525		–		-143
	30-Sep-12
	Assets:
	Impaired loans	$	2,834	$	–	$	2,634	$	200	$	-190
	Real estate owned		870		–		870		–		-99
	Impaired Loans
	The Company considers a loan to be impaired when it becomes probable that the Company will be unable to collect all amounts due in accordance with the contractual terms of the loan agreement. Under FASB ASC 310, collateral dependent impaired loans are valued based on the fair value of the collateral, which is based on appraisals, less cost to sell.  Appraisals are obtained to support the fair value of the collateral and incorporate measures such as recent sales prices for comparable properties, which are considered Level 2 inputs. In cases in which the carrying value exceeds the fair value of the collateral less cost to sell, an impairment charge is recognized. In some cases, adjustments are made to the appraised values for various factors, including age of the appraisal, age of the comparables included in the appraisal, and known changes in the market and in the collateral. These adjustments are based upon unobservable inputs, and therefore, the fair value measurement has been categorized as a Level 3 measurement. Total loans remeasured at fair value for the nine months ended September 30, 2013 were $3.1 million.  Such loans were carried at the value of $3.2 million immediately prior to remeasurement, resulting in the recognition of impairment through earnings in the amount of $97 thousand.  Total loans remeasured at fair value for the nine months ended September 30, 2012 were $2.8 million.  Such loans were carried at the value of $3.0 million immediately prior to remeasurement, resulting in the recognition of impairment through earnings in the amount of $190 thousand.
	Real Estate Owned
	Once an asset is determined to be uncollectible, the underlying collateral is repossessed and reclassified to foreclosed real estate and repossessed assets. These assets are carried at lower of cost or fair value of the collateral, less cost to sell. Appraisals are obtained to support the fair value of the collateral and incorporate measures such as recent sales prices for comparable properties, which are considered Level 2 inputs. In cases in which the carrying value exceeds the fair value of the collateral less cost to sell, an impairment charge is recognized. In some cases, adjustments are made to the appraised values for various factors, including age of the appraisal, age of the comparables included in the appraisal, and known changes in the market and in the collateral.  These adjustments are based upon unobservable inputs, and therefore, the fair value measurement has been categorized as a Level 3 measurement. The Company had no real estate owned remeasured at fair value for the three months ended September 30, 2013.  Total real estate owned remeasured at fair value for the three months ended September 30, 2012 was $583 thousand, of which $188 thousand were sold.  These properties were carried at a value of $631 thousand immediately prior to remeasurement, resulting in $48 thousand of impairment through earnings. Total real estate owned remeasured at fair value for the nine months ended September 30, 2013 was $525 thousand.  These properties were carried at a value of $668 thousand immediately prior to remeasurement, resulting in $143 thousand of impairment through earnings.  Total real estate owned remeasured at fair value for the nine months ended September 30, 2012 was $1.1 million, of which $188 thousand were sold.  These properties were carried at a value of $968 thousand immediately prior to remeasurement, resulting in $99 thousand of impairment through earnings.
	Fair Value of Financial Instruments
	In accordance with FASB ASC 825-10-50-10, the Company is required to disclose the fair value of financial instruments.  The fair value of a financial instrument is the current amount that would be exchanged between willing parties, other than in a distressed sale.  Fair value is best determined using observable market prices; however, for many of the Company’s financial instruments, no quoted market prices are readily available.  In instances where quoted market prices are not readily available, fair value is determined using present value or other techniques appropriate for the particular instrument.  These techniques involve some degree of judgment and, as a result, are not necessarily indicative of the amounts the Company would realize in a current market exchange.  Different assumptions or estimation techniques may have a material effect on the estimated fair value.  The following table summarizes these results:
				Category Used For Fair Value
	September 30, 2013	Carrying Amount		Level 1		Level 2		Level 3
		(Dollars in thousands)
	Assets:
	Cash and cash equivalents	$	125,524	$	125,524	$	—	$	—
	Investment securities:
	Held to maturity		7,158		—		7,253		—
	Available for sale		123,335		22		123,313		—
	Loans receivable, net		727,618		—		755,973		—
	Federal Home Loan Bank stock		6,320		—		6,320		—
	Liabilities:
NOW and other demand deposit accounts		436,501		—		451,552		—
Passbook savings and club accounts		170,466		—		178,990		—
Certificates		197,103		—		196,727		—
Advances from Federal Home Loan Bank		110,000		—		120,492		—
Junior subordinated debenture		10,309		—		9,278		—
			Category Used For Fair Value
December 31, 2012	Carrying Amount			Level 1		Level 2		Level 3
	(Dollars in thousands)
Assets:
Cash and cash equivalents	$	163,422	$	163,422	$	—	$	—
Investment securities:
Held to maturity		10,568		—		10,702		—
Available for sale		106,206		13		106,193		—
Loans receivable, net		703,898		—		731,546		—
Federal Home Loan Bank stock		6,390		—		6,390		—
Liabilities:
NOW and other demand deposit accounts		417,401		—		427,510		—
Passbook savings and club accounts		166,861		—		171,848		—
Certificates		217,503		—		215,638		—
Advances from Federal Home Loan Bank		110,000		—		124,140		—
Junior subordinated debenture		15,464		—		12,371		—
Cash and Cash Equivalents—For cash and cash equivalents, the carrying amount is a reasonable estimate of fair value.
Investment and Mortgage-Backed Securities—For investment securities, fair values are based on a combination of quoted prices for identical assets in active markets, quoted prices for similar assets in markets that are either actively or not actively traded and pricing models, discounted cash flow methodologies, or similar techniques that may contain unobservable inputs that are supported by little or no market activity and require significant judgment.  For investment securities that do not actively trade in the marketplace, (primarily our investment in trust preferred securities of non-publicly traded companies) fair value is obtained from third party broker quotes. The Company evaluates prices from a third party pricing service, third party broker quotes, and from another independent third party valuation source to determine their estimated fair value. These quotes are benchmarked against similar securities that are more actively traded in order to assess the reasonableness of the estimated fair values. The fair market value estimates we assign to these securities assume liquidation in an orderly fashion and not under distressed circumstances. For securities classified as available for sale, the changes in fair value are reflected in the carrying value of the asset and are shown as a separate component of stockholders’ equity.
Loans Receivable - Net—The fair value of loans receivable is estimated based on the present value using discounted cash flows based on estimated market discount rates at which similar loans would be made to borrowers and reflect similar credit ratings and interest rate risk for the same remaining maturities.
FHLB Stock—Although FHLB stock is an equity interest in an FHLB, it is carried at cost because it does not have a readily determinable fair value as its ownership is restricted and it lacks a market. While certain conditions are noted that required management to evaluate the stock for impairment, it is currently probable that the Company will realize its cost basis. Management concluded that no impairment existed as of September 30, 2013.  The estimated fair value approximates the carrying amount.
NOW and Other Demand Deposit, Passbook Savings and Club, and Certificates Accounts—The fair value of NOW and other demand deposit accounts and passbook savings and club accounts is the amount payable on demand at the reporting date. The fair value of certificates is estimated by discounting future cash flows using interest rates currently offered on certificates with similar remaining maturities.
Advances from FHLB—The fair value was estimated by determining the cost or benefit for early termination of each individual borrowing.
Junior Subordinated Debenture—The fair value was estimated by discounting approximate cash flows of the borrowings by yields estimating the fair value of similar issues.
The fair value estimates presented herein are based on pertinent information available to management as of September 30, 2013 and December 31, 2012.  Although management is not aware of any factors that would significantly affect the fair value amounts, such amounts have not been comprehensively revalued for purposes of these consolidated financial statements since September 30, 2013 and December 31, 2012, and, therefore, current estimates of fair value may differ significantly from the amounts presented herein.

GOODWILL_AND_INTANGIBLE_ASSETS

GOODWILL AND INTANGIBLE ASSETS	9 Months Ended
	Sep. 30, 2013
Goodwill and Intangible Assets Disclosure [Abstract]	'
Goodwill and Intangible Assets Disclosure [Text Block]	'
	10.    GOODWILL AND INTANGIBLE ASSETS
	Goodwill totaled $4.6 million at September 30, 2013 as compared to $4.6 million at December 31, 2012.  The Company completed its annual goodwill impairment test as of August 1, 2013 and concluded that goodwill was not impaired.
	The core deposit intangible totaled $645 thousand at September 30, 2013 as compared to $675 thousand at December 31, 2012. The core deposit intangible is being amortized over its estimated useful life of approximately 15 years from August 1, 2011.

REAL_ESTATE_OWNED

REAL ESTATE OWNED	9 Months Ended
	Sep. 30, 2013
Real Estate [Abstract]	'
Real Estate Disclosure [Text Block]	'
	11.      REAL ESTATE OWNED
	Summary of Real Estate Owned (“REO”):
		2013						2012
		Residential		Commercial				Residential		Commercial
		Property		Property		Total		Property		Property		Total
		(Dollars in thousands)						(Dollars in thousands)
	Balance, January 1,	$	412	$	494	$	906	$	98	$	-	$	98
	Transfers into Real Estate Owned		438		528		966		564		494		1,058
	Sales of Real Estate Owned		-610		-353		-963		-188		-		-188
	Balance, September 30,	$	240	$	669	$	909	$	474	$	494	$	968

SUMMARY_OF_SIGNIFICANT_ACCOUNT1

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies)	9 Months Ended
	Sep. 30, 2013
Organization, Consolidation and Presentation of Financial Statements [Abstract]	'
Basis of Accounting, Policy [Policy Text Block]	'
	Basis of Financial Statement Presentation - The unaudited condensed consolidated financial statements include the accounts of Ocean Shore Holding Co. (the “Company”) and its subsidiaries.  All significant intercompany balances and transactions have been eliminated in consolidation.  The accompanying unaudited condensed consolidated financial statements were prepared in accordance with instructions to Form 10-Q, pursuant to the rules and regulations of the United States Securities and Exchange Commission (SEC) for interim information, and, therefore, do not include information or footnotes necessary for a complete presentation of financial position, results of operations, changes in stockholders’ equity and cash flows in conformity with accounting principles generally accepted in the United States of America (“GAAP”).  However, all normal recurring adjustments that, in the opinion of management, are necessary for a fair presentation of the condensed consolidated financial statements have been included.  These financial statements should be read in conjunction with the audited consolidated financial statements and the accompanying notes thereto included in the Company’s Annual Report on Form 10-K for the period ended December 31, 2012.  The results for the nine months ended September 30, 2013 are not necessarily indicative of the results that may be expected for the fiscal year ending December 31, 2013 or any other period.  The Company has evaluated subsequent events through the date of the issuance of its financial statements.
Use of Estimates, Policy [Policy Text Block]	'
	Use of Estimates in the Preparation of Financial Statements - The preparation of the consolidated financial statements in conformity with accounting principles generally accepted in the United States of America requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities, disclosure of contingent assets and liabilities at the date of the condensed consolidated financial statements and the reported amounts of income and expenses during the reporting period.  The most significant estimates and assumptions relate to the allowance for loan losses, goodwill and intangible impairment, deferred income taxes and the fair value measurement for investment securities available for sale.  Actual results could differ from those estimates.
New Accounting Pronouncements Policy [Policy Text Block]	'
	New Accounting Pronouncements – In July 2012, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“ASU”) No. 2012-02, Testing Indefinite-Lived Intangible Assets for Impairment. This update amends the current guidance on testing indefinite-lived intangible assets for impairment. Under the revised guidance, entities testing indefinite-lived intangible assets for impairment have the option of performing a qualitative assessment before calculating the fair value of the asset. An entity will have an option not to calculate annually the fair value of an indefinite-lived intangible asset if the entity determines that it is not more likely than not that the asset is impaired. The amendments are effective for annual and interim indefinite-lived intangible assets impairment tests performed for fiscal years beginning after September 15, 2012, with early adoption permitted. The adoption of this accounting guidance did not have a material impact on the Company’s consolidated financial statements.
	In February 2013, the FASB issued ASU 2013-02, Other Comprehensive Income,Reporting of Amounts Reclassified Out of Accumulated Other Comprehensive Income. This update requires companies to provide information about the amounts reclassified out of accumulated other comprehensive income by component. In addition, an entity is required to present, either on the face of the statement where net income is presented or in the notes, significant amounts reclassified out of accumulated other comprehensive income by the respective line items of net income but only if the amount reclassified is required under U.S. GAAP to be reclassified to net income in its entirety in the same reporting period. For other amounts that are not required under U.S. GAAP to be reclassified in their entirety to net income, an entity is required to cross reference to other disclosures required under U.S. GAAP that provide additional detail about those amounts. The amendments are effective prospectively for reporting periods beginning after December 15, 2012, with early adoption permitted.  The adoption of this accounting guidance did not have a material impact on the Company’s consolidated financial statements.
	In July 2013, the FASB issued ASU 2013-11, an update to ASC 740, Income Taxes: Presentation of an Unrecognized Tax Benefit When a Net Operating Loss Carryforward, a Similar Tax Loss, or a Tax Credit Carryforward Exists: a consensus of the FASB Emerging Issues Task Force.  This ASU provides explicit guidance on the presentation of unrecognized tax benefits, particularly the manner in which an entity would settle, at the reporting date, any additional income taxes that would result from the disallowance of a tax position when net operating loss carryforwards, similar tax losses, or tax credit carryforwards exist. The provisions of this update are effective January 1, 2014 for the Company and should be applied prospectively; however retrospective application is also permissible. Early adoption of the guidance is permitted. The disclosure impact of this guidance is currently being evaluated by the Company, but is not expected to have a significant impact on the Company's consolidated financial statements.

INVESTMENT_SECURITIES_Tables

INVESTMENT SECURITIES (Tables)	9 Months Ended
	Sep. 30, 2013
Investments, Debt and Equity Securities [Abstract]	'
Schedule of Held to Maturity and Available for Sale Securities Reconciliation [Table Text Block]	'
	Investment securities are summarized as follows:
		30-Sep-13
						Gross		Gross		Estimated
		Amortized				Unrealized		Unrealized		Fair
		Cost				Gain		Loss		Value
		(Dollars in thousands)
	Held to Maturity
	Debt Securities - Municipal	$	6,078		$	—	$	—	$	6,078
	US Treasury and government sponsored entity mortgage-backed securities		1,080			95		—		1,175
	Totals	$	7,158		$	95	$	—	$	7,253
	Available for Sale
	Debt securities:
	Corporate	$	11,535		$	173	$	-934	$	10,774
	U.S. Treasury and federal agencies		35,035			—		-1,638		33,397
	Equity securities		3			19		—		22
	US treasury and government sponsored entity mortgage-backed securities		80,120			392		-1,370		79,142
	Totals	$	126,693		$	584	$	-3,942	$	123,335
		December 31, 2012
					Gross		Gross		Estimated
		Amortized			Unrealized		Unrealized		Fair
		Cost			Gain		Loss		Value
		(Dollars in thousands)
	Held to Maturity
	Debt Securities - Municipal	$	9,143		$	—	$	—	$	9,143
	US Treasury and government sponsored entity mortgage-backed securities		1,425			134		—		1,559
	Totals	$	10,568		$	134	$	—	$	10,702
	Available for Sale
	Debt securities:
	Corporate	$	11,487		$	174	$	-1,195	$	10,466
	US Treasury and federal agencies		40,068			28		-5		40,091
	Equity securities		3			12		-2		13
	US Treasury and government sponsored entity mortgage-backed securities		54,420			1,230		-14		55,636
	Totals	$	105,978		$	1,444	$	-1,216	$	106,206
Unrealized Gain (Loss) on Investments [Table Text Block]	'
	The following table provides the gross unrealized losses and fair value, aggregated by investment category and length of time the individual securities have been in a continuous unrealized loss position at September 30, 2013 and December 31, 2012:
		September 30, 2013
		Less Than 12 Months					12 Months or Longer				Total
					Gross				Gross				Gross
		Estimated			Unrealized		Estimated		Unrealized		Estimated		Unrealized
		Fair Value			Loss		Fair Value		Loss		Fair Value		Loss
		(Dollars in thousands)
	Debt securities -
	U.S. Agencies	$	33,362		$	-1,638	$	—	$	—	$	33,362	$	-1,638
	Corporate		—			—		3,771		-934		3,771		-934
	US treasury and government sponsored entity mortgage- backed securities		72,775			-1,364		514		-6		73,289		-1,370
	Equity securities		—			—		—		—		—		—
	Totals	$	106,137		$	-3,002	$	4,285	$	-940	$	110,422	$	-3,942
		December 31, 2012
		Less Than 12 Months					12 Months or Longer				Total
						Gross				Gross				Gross
			Estimated			Unrealized		Estimated		Unrealized		Estimated		Unrealized
			Fair Value			Loss		Fair Value		Loss		Fair Value		Loss
		(Dollars in thousands)
	Debt securities -
	U.S. Treasury	$	5,995		$	-5	$	32	$	—	$	6,027	$	-5
	Corporate		—			—		3,509		-1,195		3,509		-1,195
	US treasury and government sponsored entity mortgage- backed securities		1,659			-7		600		-7		2,259		-14
	Equity securities		—			—		1		-2		1		-2
	Totals	$	7,654		$	-12	$	4,142	$	-1,204	$	11,796	$	-1,216
Other than Temporary Impairment, Credit Losses Recognized in Earnings [Table Text Block]	'
	Below is a roll forward of the anticipated credit losses on securities for which the Company has recorded other than temporary impairment charges through earnings and other comprehensive income.
		2013			2012
		(Dollars in thousands)
	Credit component of OTTI as of January 1,	$	3,000		$	3,000
	Additions for credit related OTTI charges on previously unimpaired securities		—			—
	Reductions for securities sold during the period		—			—
	Reductions for increases in cash flows expected to be collected and recognized over		—			—
	the remaining life of the security
	Additional increases as a result of impairment charges recognized on investments		—			—
	for which an OTTI was previously recognized
	Credit component of OTTI as of September 30,	$	3,000		$	3,000
Schedule of Changes in Standardized Measure of Discounted Future Net Cash Flows [Table Text Block]	'
	A summary of key assumptions utilized to forecast future expected cash flows on the securities determined to have OTTI were as follows as of September 30, 2013 and 2012:
		September 30, 2013		September 30, 2012
	Future loss rate assumption per annum	.8% to 1.2%		.8% to 1.2%
	Expected cumulative loss percentage	27.80%		27.80%
	Cumulative loss percentage to date	37.0% to 33.2%		37.0% to 33.2%
	Remaining life	28 years		29 years
Schedule of Contractual Maturities of Available for Sale Debt Securities [Table Text Block]	'
	The amortized cost and estimated fair value of debt securities available for sale and held to maturity at September 30, 2013 by contractual maturity are shown below.
		September 30, 2013
		Held to Maturity					Available for Sale Securities
		Amortized			Estimated		Amortized		Estimated
		Cost			Fair Value		Cost		Fair Value
		(Dollars in thousands)
	Due within 1 year	$	6,078		$	6,078	$	—	$	—
	Due after 1 year through 5 years		—			—		6,865		7,038
	Due after 5 years through 10 years		—			—		15,000		14,490
	Due after 10 years		—			—		24,705		22,643
	Total	$	6,078		$	6,078	$	46,570	$	44,171

LOANS_RECEIVABLE_NET_Tables

LOANS RECEIVABLE - NET (Tables)	9 Months Ended
	Sep. 30, 2013
Receivables [Abstract]	'
Loans Receivable [Table Text Block]	'
	Loans receivable consist of the following:
		September 30, 2013			December 31, 2012
		(Dollars in thousands)
	Real estate - mortgage:
	One-to-four family residential	$	536,946		$	522,206
	Commercial and multi-family		85,318			80,013
	Total real estate-mortgage		622,264			602,219
	Real estate - construction:
	Residential		19,653			12,709
	Commercial		4,848			4,821
	Total real estate - construction		24,501			17,530
	Commercial		23,823			22,932
	Consumer:
	Home equity		57,245			61,328
	Other consumer loans		861			879
	Total consumer loans		58,106			62,207
	Total loans		728,694			704,888
	Net deferred loan cost		3,135			3,007
	Allowance for loan losses		-4,211			-3,997
	Net total loans	$	727,618		$	703,898
Allowance for Credit Losses on Financing Receivables [Table Text Block]	'
	Changes in the allowance for loan losses are as follows:
		Nine months Ended September 30,
		2013			2012
		(Dollars in thousands)
	Balance, beginning of period	$	3,997		$	3,762
	Provision for loan loss		580			574
	Charge-offs		-379			-669
	Recoveries		13			29
	Balance, end of period	$	4,211		$	3,696
Schedule of Financing Receivables, Non Accrual Status [Table Text Block]	'
	Non-performing assets segregated by classification are as follows:
		September 30, 2013			December 31, 2012
		(Dollars in thousands)
	Real estate
	One-to-four family residential	$	3,914		$	3,850
	Commercial and multi-family		466			1,275
	Construction Loans		84			84
	Commercial		525			200
	Consumer		457			342
	Total non-accrual loans		5,446			5,751
	Real estate owned		909			906
	Total non-performing assets	$	6,355		$	6,657
Schedule of Nonaccretable and Accretable Yield On Loans and Debts Securities [Table Text Block]	'
	A rollforward of the Company’s nonaccretable and accretable yield on loans accounted for under ASU 310-30, Loans and Debts Securities Acquired with Deteriorated Credit Quality, is shown below for the nine month period ended September 30, 2013:
		Contractual			Nonaccretable			Accretable			Carrying
		Receivable			(Yield)/Premium			(Yield)/Premium			Amount
		Amount
		(Dollars in thousands)
	Balance at January 1, 2013	$	63,690		$	-3,423		$	983		$	61,250
	Principal reductions		-9,591			—			—			-9,591
	Charge-offs, net		-229			229			—			—
	Amortization of loan premium		—			—			-179			-179
	Settlement adjustments		—			—			—			—
	Balance at September 30, 2013	$	53,870		$	-3,194		$	804		$	51,480
Past Due Financing Receivables [Table Text Block]	'
	An age analysis of past due loans, segregated by class of loans, as of September 30, 2013 and December 31, 2012 are as follows:
		30-59 Days			60-89 Days			Greater			Total Past			Current			Total Loans
		Past Due			Past Due			Than			Due						Receivable
								90 Days
		(Dollars in thousands)
	30-Sep-13
	Real Estate
	1-4 Family Residential	$	918		$	—		$	3,914		$	4,832		$	532,114		$	536,946
	Commercial and Multi-Family		—			—			466			466			84,852			85,318
	Construction		—			—			84			84			24,417			24,501
	Commercial		—			—			525			525			23,298			23,823
	Consumer		131			69			457			657			57,449			58,106
	Total	$	1,049		$	69		$	5,446		$	6,564		$	722,130		$	728,694
	31-Dec-12
	Real Estate
	1-4 Family Residential	$	1,988		$	—		$	3,850		$	5,838		$	516,368		$	522,206
	Commercial and Multi-Family		240			—			1,275			1,515			78,498			80,013
	Construction		—			—			84			84			17,446			17,530
	Commercial		524			—			200			724			22,208			22,932
	Consumer		404			124			342			870			61,337			62,207
	Total	$	3,156		$	124		$	5,751		$	9,031		$	695,857		$	704,888
Impaired Financing Receivables [Table Text Block]	'
	Impaired loans are set forth the in the following table.  No interest income was recognized on impaired loans subsequent to their classification as impaired.
		Recorded			Unpaid			Related			Average
		Investment			Principal			Allowance			Recorded
					Balance						Investment
		(Dollars in thousands)
	30-Sep-13
	With no related allowance recorded
	Real Estate
	1-4 Family Residential	$	3,288		$	3,325		$	—		$	173
	Commercial and Multi-Family		466			466			—			466
	Construction		—			—			—			—
	Commercial		—			—			—			—
	Consumer		308			308			—			62
	With an allowance recorded
	Real Estate
	1-4 Family Residential		2,465			2,651			287			274
	Commercial and Multi-Family		—			—			—			—
	Construction		84			84			33			84
	Commercial		525			525			13			262
	Consumer		272			272			58			91
	Total
	Real Estate
	1-4 Family Residential	$	5,753		$	5,976		$	287		$	205
	Commercial and Multi-Family		466			466			—			466
	Construction		84			84			33			84
	Commercial		525			525			13			262
	Consumer		580			580			58			73
	31-Dec-12
	With no related allowance recorded
	Real Estate
	1-4 Family Residential	$	2,429		$	2,429		$	—		$	202
	Commercial and Multi-Family		1,275			1,275			—			425
	Construction		84			84			—			84
	Commercial		—			—			—			—
	Consumer		342			342			—			57
	With an allowance recorded
	Real Estate
	1-4 Family Residential		3,307			3,438			369			331
	Commercial and Multi-Family		—			—			—			—
	Construction		—			—			—			—
	Commercial		200			200			69			200
	Consumer		128			128			27			128
	Total
	Real Estate	$	5,736		$	5,867		$	369		$	533
	1-4 Family Residential		1,275			1,275			—			425
	Commercial and Multi-Family		84			84			—			84
	Construction		200			200			69			200
	Commercial		470			470			27			185
Troubled Debt Restructurings on Financing Receivables [Table Text Block]	'
	The following table presents an analysis of the Company’s TDR agreements existing as of September 30, 2013 and December 31, 2012, respectively.
		As of September 30, 2013								As of December 31, 2012
					Outstanding Recorded Investment							Outstanding Recorded Investment
		Number of			Pre-			Post-		Number of			Pre-			Post-
		Contracts			Modification			Modification		Contracts			Modification			Modification
		(Dollars in thousands)								(Dollars in thousands)
	1-4 Family Residential	5		$	1,846		$	1,846		3		$	1,548		$	1,548
	Consumer	1			125			125		1			128			128
	Total	6		$	1,971		$	1,971		4		$	1,676		$	1,676
Schedule of Financial Receivable, Reported Amounts, By Category [Table Text Block]	'
	The following table presents classified loans by class of loans as of September 30, 2013 and December 31, 2012.
		Real Estate
		1-4 Family						Commercial						Construction					Commercial				Consumer
		Residential						and Multi-Family
		9/30/13			12/31/12			9/30/13			12/31/12			9/30/13			12/31/12		9/30/13		12/31/12		9/30/13		12/31/12
		(Dollars in thousands)
	Grade:
	Special Mention	$	3,911		$	2,394		$	381		$	3,582		$	—		$	84	$	93	$	62	$	834	$	429
	Substandard		7,761			7,367			3,676			4,213			84			—		753		1,188		949		729
	Doubtful and Loss		—			—			—			—			—			—		—		—		—		—
	Total	$	11,672		$	9,761		$	4,057		$	7,795		$	84		$	84	$	846	$	1,250	$	1,783	$	1,158
Schedule of Performing and Non Performing Financial Receivable [Table Text Block]	'
	The following table presents the credit risk profile of loans based on payment activity as of September 30, 2013 and December 31, 2012.
		Real Estate
		1-4 Family						Commercial						Construction					Commercial				Consumer
		Residential						and Multi-Family
		9/30/13			12/31/12			9/30/13			12/31/12			9/30/13			12/31/12		9/30/13		12/31/12		9/30/13		12/31/12
		(Dollars in thousands)
	Performing	$	533,032		$	518,356		$	84,852		$	78,738		$	24,417		$	17,446	$	23,298	$	22,732	$	57,649	$	61,865
	Non-Performing		3,914			3,850			466			1,275			84			84		525		200		457		342
	Total	$	536,946		$	522,206		$	85,318		$	80,013		$	24,501		$	17,530	$	23,823	$	22,932	$	58,106	$	62,207
Schedule of Allowance for Possible Loan Losses By Portfolio Segment [Table Text Block]	'
	The following table details activity in the allowance for possible loan losses by portfolio segment for the periods ended September 30, 2013 and December 31, 2012.  Allocation of a portion of the allowance to one category does not preclude its availability to absorb losses in other categories.
		Real Estate
		1-4 Family			Commercial			Construction			Commercial			Consumer			Total
		Residential			and
					Multi-Family
		(Dollars in thousands)
	30-Sep-13
	Allowance for credit losses:
	Beginning Balance	$	2,585		$	509		$	187		$	286		$	430		$	3,997
	Charge-offs		-298			-78			—			—			-3			-379
	Recoveries		—			—			—			—			13			13
	Provision for loan losses		584			178			-110			-115			43			580
	Ending balance	$	2,871		$	609		$	77		$	171		$	483		$	4,211
	Ending balance: individually evaluated for impairment	$	287		$	—		$	33		$	13		$	58		$	391
	Ending balance: collectively evaluated for impairment	$	2,584		$	609		$	44		$	158		$	425		$	3,820
	Loan Receivables:
	Ending balance	$	536,946		$	85,318		$	24,501		$	23,823		$	58,106		$	728,694
	Ending balance: individually evaluated for impairment	$	5,753		$	466		$	84		$	525		$	580		$	7,408
	Ending balance: collectively evaluated for impairment	$	531,193		$	84,852		$	24,417		$	23,298		$	57,526		$	721,286
	31-Dec-12
	Allowance for credit losses:
	Beginning Balance	$	2,513		$	460		$	98		$	229		$	462		$	3,762
	Charge-offs		-557			—			—			-29			-105			-691
	Recoveries		13			—			—			20			—			33
	Provision for loan losses		616			49			89			66			73			893
	Ending balance	$	2,585		$	509		$	187		$	286		$	430		$	3,997
	Ending balance: individually evaluated for impairment	$	369		$	—		$	—		$	69		$	27		$	465
	Ending balance: collectively evaluated for impairment	$	2,216		$	509		$	187		$	217		$	403		$	3,532
	Loan Receivables:
	Ending balance	$	522,206		$	80,013		$	17,530		$	22,932		$	62,207		$	704,888
	Ending balance: individually evaluated for impairment	$	5,736		$	1,275		$	84		$	200		$	470		$	7,765
	Ending balance: collectively evaluated for impairment	$	516,470		$	78,738		$	17,446		$	22,732		$	61,737		$	697,123

DEPOSITS_Tables

DEPOSITS (Tables)	9 Months Ended
	Sep. 30, 2013
Banking and Thrift [Abstract]	'
Deposit Liabilities Disclosure [Table Text Block]	'
	Deposits consist of the following major classifications:
		September 30, 2013				December 31, 2012
				Weighted				Weighted
				Average				Average
		Amount		Interest Rate		Amount		Interest Rate
		(Dollars in thousands)
	NOW and other demand deposit accounts	$	436,501	0.12	%	$	417,401	0.12	%
	Passbook savings and club accounts		170,446	0.2	%		166,861	0.2	%
	Subtotal		606,947				584,262
	Certificates with original maturities:
	Within one year		71,222	0.4	%		69,620	0.41	%
	One to three years		100,554	1.13	%		119,467	1.39	%
	Three years and beyond		25,327	2.06	%		28,416	2.56	%
	Total certificates		197,103				217,503
	Total	$	804,050			$	801,765

EARNINGS_PER_SHARE_Tables

EARNINGS PER SHARE (Tables)	9 Months Ended
	Sep. 30, 2013
Earnings Per Share [Abstract]	'
Schedule of Earnings Per Share, Basic and Diluted [Table Text Block]	'
	The calculated basic and dilutive EPS are as follows:
		Three Months Ended September 30,				Nine Months Ended September 30,
		2013		2012		2013		2012
		(Dollars in thousands, except per share data)
	Numerator – Net Income	$	1,324	$	1,192	$	3,863	$	3,843
	Denominators:
	Basic average shares outstanding		6,533,760		6,625,221		6,514,699		6,715,043
	Effect of dilutive common stock equivalents		111,658		55,942		119,055		70,758
	Diluted average shares outstanding		6,645,418		6,681,163		6,633,754		6,785,801
	Earnings per share:
	Basic	$	0.2	$	0.18	$	0.59	$	0.57
	Diluted	$	0.2	$	0.18	$	0.58	$	0.57

STOCKBASED_COMPENSATION_Tables

STOCK-BASED COMPENSATION (Tables)	9 Months Ended
	Sep. 30, 2013
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]	'
Share-based Compensation Arrangement by Share-based Payment Award, Options, Grants in Period, Weighted Average Grant Date Fair Value [Table Text Block]	'
	A summary of the status of the Company’s stock options under the Equity Plans as of September 30, 2013 and 2012 and changes during the nine months ended September 30, 2013 and 2012 are presented below:
		Nine Months Ended			Nine Months Ended
		September 30, 2013			September 30, 2012
		Number	Weighted		Number	Weighted
		of shares	average		of shares	average
			exercise price			exercise price
	Outstanding at the beginning of the period	649,313	$	11.9	650,804	$	11.9
	Granted	—		—	—		—
	Exercised	34,013	$	12.38	11,532	$	10.61
	Forfeited	—		—	—		—
	Outstanding at the end of the period	615,300	$	11.92	639,272	$	11.9
	Exercisable at the end of the period	468,986	$	12.23	441,322	$	13.16
	Stock options vested or expected to vest (1)	553,770	$	11.92	575,345	$	11.9
	(1)   Includes vested shares and nonvested shares after a forfeiture rate, which is based upon historical data, is applied.
Schedule of Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest, Outstanding [Table Text Block]	'
	The following table summarizes all stock options outstanding under the Equity Plan as of September 30, 2013:
		Options Outstanding
	Date Issued	Number of	Weighted Average		Weighted Average
		Shares	Exercise Price		Remaining
					Contractual Life
	10-Aug-05	270,729	$	13.19	1.9 years
	21-Nov-06	17,586	$	14.78	3.2 years
	20-Nov-07	19,919	$	11.32	4.2 years
	18-Aug-10	224,628	$	10.21	6.9 years
	15-Mar-11	13,600	$	12.06	7.5 years
	17-Aug-11	51,338	$	11.53	7.9 years
	19-Nov-12	17,500	$	13.1	9.2 years
	Total	615,300	$	11.92	4.7 years
Schedule of Nonvested Share Activity [Table Text Block]	'
	Summary of Non-vested Stock Award Activity:
		Nine Months ended			Nine Months ended
		September 30, 2013			September 30, 2012
		Number of	Weighted avg		Number of	Weighted avg
		shares	grant date fair		shares	grant date fair
			value			value
	Beginning of period	60,390	$	10.33	80,190	$	10.32
	Issued	—		—	—		—
	Forfeited	—		—	—		—
	Vested	19,800	$	10.3	19,800	$	10.3
	Outstanding at September 30, 2013	40,590	$	10.35	60,390	$	10.33

STOCKHOLDERS_EQUITY_Tables

STOCKHOLDERS' EQUITY (Tables)	9 Months Ended
	Sep. 30, 2013
Equity [Abstract]	'
Schedule of Accumulated Other Comprehensive Income (Loss) [Table Text Block]	'
	A summary of the changes in components of Accumulated Other Comprehensive Income for the three and nine months ended September 30, 2013 and 2012 are presented below:
		2013						2012
		Unrealized		Loss on Post		Accumulated		Unrealized		Loss on Post		Accumulated
		Gain (Loss) on		Retirement		Other		Gain (Loss) on		Retirement		Other
		Available for		Life Benefit		Comprehensive		Available for		Life Benefit		Comprehensive
		Sale Securities				Income		Sale Securities				Income
		(Dollars in thousands)						(Dollars in thousands)
	July 1,	$	-1,822	$	-186	$	-2,008	$	-348	$	-159	$	-507
	Current period change		-411		8		-403		801		6		807
	Tax benefit		191		-		191		-310		-		-310
	September 30,	$	-2,042	$	-178	$	-2,220	$	143	$	-153	$	-10
		2013						2012
		Unrealized		Loss on Post		Accumulated		Unrealized		Loss on Post		Accumulated
		Gain (Loss) on		Retirement		Other		Gain (Loss) on		Retirement		Other
		Available for		Life Benefit		Comprehensive		Available for		Life Benefit		Comprehensive
		Sale Securities				Income		Sale Securities				Income
		(Dollars in thousands)						(Dollars in thousands)
	January 1,	$	104	$	-148	$	-44	$	-571	$	-	$	-571
	Current period change		-3,586		-31		-3,617		1,164		-153		1,011
	Tax benefit		1,440		-		1,440		-450		-		-450
	September 30,	$	-2,042	$	-178	$	-2,220	$	143	$	-153	$	-10

FAIR_VALUE_MEASUREMENTS_Tables

FAIR VALUE MEASUREMENTS (Tables)	9 Months Ended
	Sep. 30, 2013
Fair Value Disclosures [Abstract]	'
Fair Value, Assets Measured on Recurring Basis [Table Text Block]	'
	Those assets at September 30, 2013 which will continue to be measured at fair value on a recurring basis are as follows:
		Category Used for Fair Value Measurement
	Assets:	Level 1		Level 2		Level 3
		(Dollars in thousands)
	Securities available for sale:
	U.S. government sponsored entity mortgage-backed securities	$	—	$	79,142	$	—
	U.S. Treasury and federal agencies		—		33,397		—
	State and municipal obligations		—		—		—
	Corporate securities		—		10,774		—
	Equity securities		22		—		—
	Totals	$	22	$	123,313	$	—
	Those assets at December 31, 2012 which will continue to be measured at fair value on a recurring basis are as follows:
		Category Used for Fair Value Measurement
	Assets:	Level 1		Level 2		Level 3
		(Dollars in thousands)
	Securities available for sale:
	U.S. government sponsored entity mortgage-backed securities	$	—	$	55,636	$	—
	U.S. Treasury and federal agencies		—		40,091		—
	State and municipal obligations		—		—		—
	Corporate securities		—		10,466		—
	Equity securities		13		—		—
	Totals	$	13	$	106,193	$	—
Fair Value, Assets Measured on Recurring and Nonrecurring Basis [Table Text Block]	'
	The Company measures impaired loans, FHLB stock and loans or bank properties transferred into other real estate owned at fair value on a non-recurring basis.
	Summary of Non-Recurring Fair Value Measurements
				Category Used for Fair Value
				Measurement
	Nine Month	Total		Level 1		Level 2		Level 3		Total
	Period Ended									Losses
		(Dollars in thousands)
	30-Sep-13
	Assets:
	Impaired loans	$	3,111	$	–	$	2,958	$	153	$	-97
	Real estate owned		525		–		525		–		-143
	30-Sep-12
	Assets:
	Impaired loans	$	2,834	$	–	$	2,634	$	200	$	-190
	Real estate owned		870		–		870		–		-99
Fair Value, by Balance Sheet Grouping [Table Text Block]	'
	The following table summarizes these results:
				Category Used For Fair Value
	September 30, 2013	Carrying Amount		Level 1		Level 2		Level 3
		(Dollars in thousands)
	Assets:
	Cash and cash equivalents	$	125,524	$	125,524	$	—	$	—
	Investment securities:
	Held to maturity		7,158		—		7,253		—
	Available for sale		123,335		22		123,313		—
	Loans receivable, net		727,618		—		755,973		—
	Federal Home Loan Bank stock		6,320		—		6,320		—
	Liabilities:
	NOW and other demand deposit accounts		436,501		—		451,552		—
	Passbook savings and club accounts		170,466		—		178,990		—
	Certificates		197,103		—		196,727		—
	Advances from Federal Home Loan Bank		110,000		—		120,492		—
	Junior subordinated debenture		10,309		—		9,278		—
				Category Used For Fair Value
	December 31, 2012	Carrying Amount			Level 1		Level 2		Level 3
		(Dollars in thousands)
	Assets:
	Cash and cash equivalents	$	163,422	$	163,422	$	—	$	—
	Investment securities:
	Held to maturity		10,568		—		10,702		—
	Available for sale		106,206		13		106,193		—
	Loans receivable, net		703,898		—		731,546		—
	Federal Home Loan Bank stock		6,390		—		6,390		—
	Liabilities:
	NOW and other demand deposit accounts		417,401		—		427,510		—
	Passbook savings and club accounts		166,861		—		171,848		—
	Certificates		217,503		—		215,638		—
	Advances from Federal Home Loan Bank		110,000		—		124,140		—
	Junior subordinated debenture		15,464		—		12,371		—

REAL_ESTATE_OWNED_Tables

REAL ESTATE OWNED (Tables)	9 Months Ended
	Sep. 30, 2013
Real Estate [Abstract]	'
Schedule of Real Estate Properties [Table Text Block]	'
	Summary of Real Estate Owned (“REO”):
		2013						2012
		Residential		Commercial				Residential		Commercial
		Property		Property		Total		Property		Property		Total
		(Dollars in thousands)						(Dollars in thousands)
	Balance, January 1,	$	412	$	494	$	906	$	98	$	-	$	98
	Transfers into Real Estate Owned		438		528		966		564		494		1,058
	Sales of Real Estate Owned		-610		-353		-963		-188		-		-188
	Balance, September 30,	$	240	$	669	$	909	$	474	$	494	$	968

INVESTMENT_SECURITIES_Details

INVESTMENT SECURITIES (Details) (USD $)	9 Months Ended	12 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Dec. 31, 2012
Held to Maturity	'	'
Held to Maturity, Amortized Cost	$7,158	$10,568
Held to Maturity, Gross Unrealized Gain	95	134
Held to Maturity, Gross Unrealized Loss	0	0
Held to Maturity, Estimated Fair Value	7,253	10,702
Available for Sale	'	'
Available for Sale, Amortized Cost	126,693	105,978
Available for Sale, Gross Unrealized Gain	584	1,444
Available for Sale, Gross Unrealized Loss	-3,942	-1,216
Available for Sale, Estimated Fair Value	123,335	106,206
US Government Sponsored Entity Mortgage Backed Securities [Member]	'	'
Held to Maturity	'	'
Held to Maturity, Amortized Cost	1,080	1,425
Held to Maturity, Gross Unrealized Gain	95	134
Held to Maturity, Gross Unrealized Loss	0	0
Held to Maturity, Estimated Fair Value	1,175	1,559
Available for Sale	'	'
Available for Sale, Amortized Cost	80,120	54,420
Available for Sale, Gross Unrealized Gain	392	1,230
Available for Sale, Gross Unrealized Loss	-1,370	-14
Available for Sale, Estimated Fair Value	79,142	55,636
Corporate Debt Securities [Member]	'	'
Available for Sale	'	'
Available for Sale, Amortized Cost	11,535	11,487
Available for Sale, Gross Unrealized Gain	173	174
Available for Sale, Gross Unrealized Loss	-934	-1,195
Available for Sale, Estimated Fair Value	10,774	10,466
US Treasury and Government [Member]	'	'
Available for Sale	'	'
Available for Sale, Amortized Cost	35,035	40,068
Available for Sale, Gross Unrealized Gain	0	28
Available for Sale, Gross Unrealized Loss	-1,638	-5
Available for Sale, Estimated Fair Value	33,397	40,091
Equity Securities [Member]	'	'
Available for Sale	'	'
Available for Sale, Amortized Cost	3	3
Available for Sale, Gross Unrealized Gain	19	12
Available for Sale, Gross Unrealized Loss	0	-2
Available for Sale, Estimated Fair Value	22	13
Municipal Bonds [Member]	'	'
Held to Maturity	'	'
Held to Maturity, Amortized Cost	6,078	9,143
Held to Maturity, Gross Unrealized Gain	0	0
Held to Maturity, Gross Unrealized Loss	0	0
Held to Maturity, Estimated Fair Value	$6,078	$9,143

INVESTMENT_SECURITIES_Details_

INVESTMENT SECURITIES (Details 1) (USD $)	9 Months Ended	12 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Dec. 31, 2012
Less Than 12 Months, Estimated Fair Value	$106,137	$7,654
Less Than 12 Months, Gross Unrealized Loss	-3,002	-12
12 Months or Longer, Estimated Fair Value	4,285	4,142
12 Months or Longer, Gross Unrealized Loss	-940	-1,204
Estimated Fair Value, Total	110,422	11,796
Gross Unrealizd Loss, Total	-3,942	-1,216
US Government Agencies Debt Securities [Member]	'	'
Less Than 12 Months, Estimated Fair Value	33,362	5,995
Less Than 12 Months, Gross Unrealized Loss	-1,638	-5
12 Months or Longer, Estimated Fair Value	0	32
12 Months or Longer, Gross Unrealized Loss	0	0
Estimated Fair Value, Total	33,362	6,027
Gross Unrealizd Loss, Total	-1,638	-5
Corporate Debt Securities [Member]	'	'
Less Than 12 Months, Estimated Fair Value	0	0
Less Than 12 Months, Gross Unrealized Loss	0	0
12 Months or Longer, Estimated Fair Value	3,771	3,509
12 Months or Longer, Gross Unrealized Loss	-934	-1,195
Estimated Fair Value, Total	3,771	3,509
Gross Unrealizd Loss, Total	-934	-1,195
US Government Sponsored Entity Mortgage Backed Securities [Member]	'	'
Less Than 12 Months, Estimated Fair Value	72,775	1,659
Less Than 12 Months, Gross Unrealized Loss	-1,364	-7
12 Months or Longer, Estimated Fair Value	514	600
12 Months or Longer, Gross Unrealized Loss	-6	-7
Estimated Fair Value, Total	73,289	2,259
Gross Unrealizd Loss, Total	-1,370	-14
Equity Securities [Member]	'	'
Less Than 12 Months, Estimated Fair Value	0	0
Less Than 12 Months, Gross Unrealized Loss	0	0
12 Months or Longer, Estimated Fair Value	0	1
12 Months or Longer, Gross Unrealized Loss	0	-2
Estimated Fair Value, Total	0	1
Gross Unrealizd Loss, Total	$0	($2)

INVESTMENT_SECURITIES_Details_1

INVESTMENT SECURITIES (Details 2) (USD $)	9 Months Ended	12 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Dec. 31, 2012
Credit component of OTTI as of January 1,	$3,000	$3,000
Additions for credit related OTTI charges on previously unimpaired securities	0	0
Reductions for securities sold during the period	0	0
Reductions for increases in cash flows expected to be collected and recognized over the remaining life of the security	0	0
Additional increases as a result of impairment charges recognized on investments for which an OTTI was previously recognized	0	0
Credit component of OTTI as of September 30,	$3,000	$3,000

INVESTMENT_SECURITIES_Details_2

INVESTMENT SECURITIES (Details 3)	9 Months Ended
	Sep. 30, 2013	Sep. 30, 2012
Future loss rate assumption per annum, Minimum	0.80%	0.80%
Future loss rate assumption per annum, Maximum	1.20%	1.20%
Expected cumulative loss percentage	27.80%	27.80%
Cumulative loss percentage to date, Minimum	37.00%	37.00%
Cumulative loss percentage to date, Maximum	33.20%	33.20%
Remaining life	'28 years	'29 years

INVESTMENT_SECURITIES_Details_3

INVESTMENT SECURITIES (Details 4) (USD $)	Sep. 30, 2013
In Thousands, unless otherwise specified
Held to Maturity, Amortized Cost, Due within 1 year	$6,078
Held to Maturity, Estimated Fair Value, Due within 1 year	6,078
Held to Maturity, Amortized Cost, Due after 1 year through 5 years	0
Held To Maturity, Estimated Fair Value, Due after 1 year through 5 years	0
Held to Maturity, Amortized Cost, Due after 5 years through 10 years	0
Held To Maturity, Estimated Fair Value, Due after 5 years through 10 years	0
Held to Maturity, Amortized Cost, Due after 10 years	0
Held To Maturity, Estimated Fair Value, Due after 10 years	0
Held to Maturity, Amortized Cost, Total	6,078
Held To Maturity, Estimated Fair Value, Total	6,078
Available for Sale Securities, Amortized Cost, Due within 1 year	0
Available for Sale Securities, Estimated Fair Value, Due within 1 year	0
Available for Sale Securities, Amortized Cost, Due after 1 year through 5 years	6,865
Available for Sale Securities, Estimated Fair Value, Due after 1 year through 5 years	7,038
Available for Sale Securities, Amortized Cost, Due after 5 years through 10 years	15,000
Available for Sale Securities, Estimated Fair Value, Due after 5 years through 10 years	14,490
Available for Sale Securities, Amortized Cost, Due after 10 years	24,705
Available for Sale Securities, Estimated Fair Value, Due after 10 years	22,643
Available for Sale Securities, Amortized Cost, Total	46,570
Available for Sale Securities, Estimated Fair Value, Total	$44,171

INVESTMENT_SECURITIES_Details_4

INVESTMENT SECURITIES (Details Textual) (USD $)	Sep. 30, 2013
Continuous Unrealized Loss, Percentage Amortized Cost	19.80%
Available-for-sale Equity Securities, Amortized Cost Basis	$3,000
Trading Securities, Fair Value Disclosure	22,000
Mortgage Backed Securities Amortized Cost	81,200,000
Mortgage Backed Securities Fair Value Disclosure	$80,300,000
US Government Sponsored Entity Mortgage Backed Securities [Member]	'
Continuous Unrealized Loss, Percentage Amortized Cost	1.10%

LOANS_RECEIVABLE_NET_Details

LOANS RECEIVABLE - NET (Details) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Total real estate-mortgage	$622,264	$602,219
Total real estate - construction	24,501	17,530
Commercial	23,823	22,932
Total consumer loans	58,106	62,207
Total loans	728,694	704,888
Net deferred loan cost	3,135	3,007
Allowance for loan losses	-4,211	-3,997
Net total loans	727,618	703,898
Home Equity [Member]	'	'
Total consumer loans	57,245	61,328
Residential [Member]	'	'
Total real estate - construction	19,653	12,709
Commercial and Multi Family [Member]	'	'
Total real estate-mortgage	85,318	80,013
Total loans	85,318	80,013
One To Four Family Residential [Member]	'	'
Total real estate-mortgage	536,946	522,206
Total loans	536,946	522,206
Other Consumer Loans [Member]	'	'
Total consumer loans	861	879
Commercial Loan [Member]	'	'
Total real estate - construction	4,848	4,821
Total loans	$23,823	$22,932

LOANS_RECEIVABLE_NET_Details_1

LOANS RECEIVABLE - NET (Details 1) (USD $)	3 Months Ended		9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
Balance, beginning of period	'	'	$3,997	$3,762
Provision for loan loss	186	148	580	574
Charge-offs	'	'	-379	-669
Recoveries	'	'	13	29
Balance, end of period	$4,211	$3,696	$4,211	$3,696

LOANS_RECEIVABLE_NET_Details_2

LOANS RECEIVABLE - NET (Details 2) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Total non-accrual loans	$5,446	$5,751
Real estate owned	909	906
Total non-performing assets	6,355	6,657
One To Four Family Residential [Member]	'	'
Total non-accrual loans	3,914	3,850
Commercial and Multi Family [Member]	'	'
Total non-accrual loans	466	1,275
Construction Loans [Member]	'	'
Total non-accrual loans	84	84
Commercial Loan [Member]	'	'
Total non-accrual loans	525	200
Consumer Loan [Member]	'	'
Total non-accrual loans	$457	$342

LOANS_RECEIVABLE_NET_Details_3

LOANS RECEIVABLE - NET (Details 3) (USD $)	9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013
Contractual Receivable Amount, Beginning Balance	$63,690
Contractual Receivable Amount, Principal reductions	-9,591
Contractual Receivable Amount, Charge-offs, net	-229
Contractual Receivable Amount, Amortization of loan premium	0
Contractual Receivable Amount, Settlement adjustments	0
Contractual Receivable Amount, Ending Balance	53,870
Nonaccretable (Yield)/Premium, Beginning Balance	-3,423
Nonaccretable (Yield) / Premium, Principal reductions	0
Nonaccretable (Yield) / Premium, Charge-offs, net	229
Nonaccretable (Yield) / Premium, Amortization of loan premium	0
Nonaccretable (Yield) / Premium, Settlement adjustments	0
Nonaccretable (Yield)/Premium, Ending Balance	-3,194
Accretable (Yield) / Premium, Beginning Balance	983
Accretable (Yield) / Premium, Principal reductions	0
Accretable (Yield) / Premium, Charge-offs, net	0
Accretable (Yield) / Premium, Amortization of loan premium	-179
Accretable (Yield) / Premium, Settlement adjustments	0
Accretable (Yield) / Premium, Ending Balance	804
Carrying Amount, Beginning Balance	61,250
Carrying Amount, Principal reductions	-9,591
Carrying Amount, Charge-offs, net	0
Carrying Amount, Amortization of loan premium	-179
Carrying Amount, Settlement adjustments	0
Carrying Amount, Ending Balance	$51,480

LOANS_RECEIVABLE_NET_Details_4

LOANS RECEIVABLE - NET (Details 4) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Real Estate	'	'
30-59 Days Past Due	$1,049	$3,156
60-89 Days Past Due	69	124
Greater Than 90 Days	5,446	5,751
Total Past Due	6,564	9,031
Current	722,130	695,857
Total Loans Receivable	728,694	704,888
One To Four Family Residential [Member]	'	'
Real Estate	'	'
30-59 Days Past Due	918	1,988
60-89 Days Past Due	0	0
Greater Than 90 Days	3,914	3,850
Total Past Due	4,832	5,838
Current	532,114	516,368
Total Loans Receivable	536,946	522,206
Commercial and Multi Family [Member]	'	'
Real Estate	'	'
30-59 Days Past Due	0	240
60-89 Days Past Due	0	0
Greater Than 90 Days	466	1,275
Total Past Due	466	1,515
Current	84,852	78,498
Total Loans Receivable	85,318	80,013
Construction [Member]	'	'
Real Estate	'	'
30-59 Days Past Due	0	0
60-89 Days Past Due	0	0
Greater Than 90 Days	84	84
Total Past Due	84	84
Current	24,417	17,446
Total Loans Receivable	24,501	17,530
Commercial Loan [Member]	'	'
Real Estate	'	'
30-59 Days Past Due	0	524
60-89 Days Past Due	0	0
Greater Than 90 Days	525	200
Total Past Due	525	724
Current	23,298	22,208
Total Loans Receivable	23,823	22,932
Consumer Loan [Member]	'	'
Real Estate	'	'
30-59 Days Past Due	131	404
60-89 Days Past Due	69	124
Greater Than 90 Days	457	342
Total Past Due	657	870
Current	57,449	61,337
Total Loans Receivable	$58,106	$62,207

LOANS_RECEIVABLE_NET_Details_5

LOANS RECEIVABLE - NET (Details 5) (USD $)	12 Months Ended			9 Months Ended	12 Months Ended	9 Months Ended	12 Months Ended	9 Months Ended	12 Months Ended	9 Months Ended	12 Months Ended	9 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2012	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Dec. 31, 2012	Sep. 30, 2013	Dec. 31, 2012	Sep. 30, 2013	Dec. 31, 2012	Sep. 30, 2013	Dec. 31, 2012	Sep. 30, 2013	Dec. 31, 2012
				One To Four Family Residential [Member]	One To Four Family Residential [Member]	Commercial and Multi Family [Member]	Commercial and Multi Family [Member]	Construction [Member]	Construction [Member]	Commercial Loan [Member]	Commercial Loan [Member]	Consumer Loan [Member]	Consumer Loan [Member]
Impaired Financing Receivable With No Related Allowance, Recorded Investment	'	'	'	$3,288	$2,429	$466	$1,275	$0	$84	$0	$0	$308	$342
Impaired Financing Receivable With No Related Allowance, Unpaid Principal Balance	'	'	'	3,325	2,429	466	1,275	0	84	0	0	308	342
Impaired Financing Receivable With No Related Allowance, Related Allowance	'	'	'	0	0	0	0	0	0	0	0	0	0
Impaired Financing Receivable With No Related Allowance, Average Recorded Investment	'	'	'	173	202	466	425	0	84	0	0	62	57
Impaired Financing Receivable With Related Allowance, Recorded Investment	'	'	'	2,465	3,307	0	0	84	0	525	200	272	128
Impaired Financing Receivable With Related Allowance, Unpaid Principal Balance	'	'	'	2,651	3,438	0	0	84	0	525	200	272	128
Impaired Financing Receivable With Related Allowance, Related Allowance	'	'	'	287	369	0	0	33	0	13	69	58	27
Impaired Financing Receivable With Related Allowance, Average Recorded Investment	'	'	'	274	331	0	0	84	0	262	200	91	128
Recorded Investment	5,736	'	'	5,753	1,275	466	84	84	200	525	470	580	'
Unpaid Principal Balance	5,867	'	'	5,976	1,275	466	84	84	200	525	470	580	'
Related Allowance	369	97	190	287	0	0	0	33	69	13	27	58	'
Average Recorded Investment	$533	'	'	$205	$425	$466	$84	$84	$200	$262	$185	$73	'

LOANS_RECEIVABLE_NET_Details_6

LOANS RECEIVABLE - NET (Details 6) (USD $)	9 Months Ended	12 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Dec. 31, 2012
	Contract	Contract
Outstanding Recorded Investment,Number of Contracts	6	4
Outstanding Recorded Investment,Pre-Modification	$1,971	$1,676
Outstanding Recorded Investment,Post-Modification	1,971	1,676
One To Four Family Residential [Member]	'	'
Outstanding Recorded Investment,Number of Contracts	5	3
Outstanding Recorded Investment,Pre-Modification	1,846	1,548
Outstanding Recorded Investment,Post-Modification	1,846	1,548
Consumer Loan [Member]	'	'
Outstanding Recorded Investment,Number of Contracts	1	1
Outstanding Recorded Investment,Pre-Modification	125	128
Outstanding Recorded Investment,Post-Modification	$125	$128

LOANS_RECEIVABLE_NET_Details_7

LOANS RECEIVABLE - NET (Details 7) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
One To Four Family Residential [Member]	'	'
Classified loans by class of loans	$11,672	$9,761
One To Four Family Residential [Member] | Special Mention [Member]	'	'
Classified loans by class of loans	3,911	2,394
One To Four Family Residential [Member] | Substandard [Member]	'	'
Classified loans by class of loans	7,761	7,367
One To Four Family Residential [Member] | Doubtful [Member]	'	'
Classified loans by class of loans	0	0
Commercial and Multi Family [Member]	'	'
Classified loans by class of loans	4,057	7,795
Commercial and Multi Family [Member] | Special Mention [Member]	'	'
Classified loans by class of loans	381	3,582
Commercial and Multi Family [Member] | Substandard [Member]	'	'
Classified loans by class of loans	3,676	4,213
Commercial and Multi Family [Member] | Doubtful [Member]	'	'
Classified loans by class of loans	0	0
Construction [Member]	'	'
Classified loans by class of loans	84	84
Construction [Member] | Special Mention [Member]	'	'
Classified loans by class of loans	0	84
Construction [Member] | Substandard [Member]	'	'
Classified loans by class of loans	84	0
Construction [Member] | Doubtful [Member]	'	'
Classified loans by class of loans	0	0
Commercial Loan [Member]	'	'
Classified loans by class of loans	846	1,250
Commercial Loan [Member] | Special Mention [Member]	'	'
Classified loans by class of loans	93	62
Commercial Loan [Member] | Substandard [Member]	'	'
Classified loans by class of loans	753	1,188
Commercial Loan [Member] | Doubtful [Member]	'	'
Classified loans by class of loans	0	0
Consumer Loan [Member]	'	'
Classified loans by class of loans	1,783	1,158
Consumer Loan [Member] | Special Mention [Member]	'	'
Classified loans by class of loans	834	429
Consumer Loan [Member] | Substandard [Member]	'	'
Classified loans by class of loans	949	729
Consumer Loan [Member] | Doubtful [Member]	'	'
Classified loans by class of loans	$0	$0

LOANS_RECEIVABLE_NET_Details_8

LOANS RECEIVABLE - NET (Details 8) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Credit risk profile of loans	$728,694	$704,888
One To Four Family Residential [Member]	'	'
Credit risk profile of loans	536,946	522,206
One To Four Family Residential [Member] | Performing Financing Receivable [Member]	'	'
Credit risk profile of loans	533,032	518,356
One To Four Family Residential [Member] | Nonperforming Financing Receivable [Member]	'	'
Credit risk profile of loans	3,914	3,850
Commercial and Multi Family [Member]	'	'
Credit risk profile of loans	85,318	80,013
Commercial and Multi Family [Member] | Performing Financing Receivable [Member]	'	'
Credit risk profile of loans	84,852	78,738
Commercial and Multi Family [Member] | Nonperforming Financing Receivable [Member]	'	'
Credit risk profile of loans	466	1,275
Construction [Member]	'	'
Credit risk profile of loans	24,501	17,530
Construction [Member] | Performing Financing Receivable [Member]	'	'
Credit risk profile of loans	24,417	17,446
Construction [Member] | Nonperforming Financing Receivable [Member]	'	'
Credit risk profile of loans	84	84
Commercial Loan [Member]	'	'
Credit risk profile of loans	23,823	22,932
Commercial Loan [Member] | Performing Financing Receivable [Member]	'	'
Credit risk profile of loans	23,298	22,732
Commercial Loan [Member] | Nonperforming Financing Receivable [Member]	'	'
Credit risk profile of loans	525	200
Consumer Loan [Member]	'	'
Credit risk profile of loans	58,106	62,207
Consumer Loan [Member] | Performing Financing Receivable [Member]	'	'
Credit risk profile of loans	57,649	61,865
Consumer Loan [Member] | Nonperforming Financing Receivable [Member]	'	'
Credit risk profile of loans	$457	$342

LOANS_RECEIVABLE_NET_Details_9

LOANS RECEIVABLE - NET (Details 9) (USD $)	9 Months Ended	12 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Dec. 31, 2012	Sep. 30, 2012
Allowance for credit losses:	'	'	'
Balance, beginning of period	$3,997	$3,762	$3,696
Charge-offs	-379	-691	'
Recoveries	13	33	'
Provision for loan losses	580	893	'
Balance, end of period	4,211	3,997	3,696
Ending balance: individually evaluated for impairment	391	465	'
Ending balance: collectively evaluated for impairment	3,820	3,532	'
Loan Receivables:	'	'	'
Ending balance	728,694	704,888	'
Ending balance: individually evaluated for impairment	7,408	7,765	'
Ending balance: collectively evaluated for impairment	721,286	697,123	'
One To Four Family Residential [Member]	'	'	'
Allowance for credit losses:	'	'	'
Balance, beginning of period	2,585	2,513	'
Charge-offs	-298	-557	'
Recoveries	0	13	'
Provision for loan losses	584	616	'
Balance, end of period	2,871	2,585	'
Ending balance: individually evaluated for impairment	287	369	'
Ending balance: collectively evaluated for impairment	2,584	2,216	'
Loan Receivables:	'	'	'
Ending balance	536,946	522,206	'
Ending balance: individually evaluated for impairment	5,753	5,736	'
Ending balance: collectively evaluated for impairment	531,193	516,470	'
Commercial and Multi Family [Member]	'	'	'
Allowance for credit losses:	'	'	'
Balance, beginning of period	509	460	'
Charge-offs	-78	0	'
Recoveries	0	0	'
Provision for loan losses	178	49	'
Balance, end of period	609	509	'
Ending balance: individually evaluated for impairment	0	0	'
Ending balance: collectively evaluated for impairment	609	509	'
Loan Receivables:	'	'	'
Ending balance	85,318	80,013	'
Ending balance: individually evaluated for impairment	466	1,275	'
Ending balance: collectively evaluated for impairment	84,852	78,738	'
Construction [Member]	'	'	'
Allowance for credit losses:	'	'	'
Balance, beginning of period	187	98	'
Charge-offs	0	0	'
Recoveries	0	0	'
Provision for loan losses	-110	89	'
Balance, end of period	77	187	'
Ending balance: individually evaluated for impairment	33	0	'
Ending balance: collectively evaluated for impairment	44	187	'
Loan Receivables:	'	'	'
Ending balance	24,501	17,530	'
Ending balance: individually evaluated for impairment	84	84	'
Ending balance: collectively evaluated for impairment	24,417	17,446	'
Commercial Loan [Member]	'	'	'
Allowance for credit losses:	'	'	'
Balance, beginning of period	286	229	'
Charge-offs	0	-29	'
Recoveries	0	20	'
Provision for loan losses	-115	66	'
Balance, end of period	171	286	'
Ending balance: individually evaluated for impairment	13	69	'
Ending balance: collectively evaluated for impairment	158	217	'
Loan Receivables:	'	'	'
Ending balance	23,823	22,932	'
Ending balance: individually evaluated for impairment	525	200	'
Ending balance: collectively evaluated for impairment	23,298	22,732	'
Consumer Loan [Member]	'	'	'
Allowance for credit losses:	'	'	'
Balance, beginning of period	430	462	'
Charge-offs	-3	-105	'
Recoveries	13	0	'
Provision for loan losses	43	73	'
Balance, end of period	483	430	'
Ending balance: individually evaluated for impairment	58	27	'
Ending balance: collectively evaluated for impairment	425	403	'
Loan Receivables:	'	'	'
Ending balance	58,106	62,207	'
Ending balance: individually evaluated for impairment	580	470	'
Ending balance: collectively evaluated for impairment	$57,526	$61,737	'

LOANS_RECEIVABLE_NET_Details_T

LOANS RECEIVABLE - NET (Details Textual) (USD $)	3 Months Ended		9 Months Ended
	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012	Dec. 31, 2012
Provision for Loan Losses Expensed	$186,000	$148,000	$580,000	$574,000	'
Loans and Leases Receivable, Impaired, Nonperforming, Nonaccrual of Interest	5,400,000	'	5,400,000	'	5,800,000
Reserved For Interest Amount Of Delinquent Loans	301,000	'	301,000	'	321,000
Troubled Debt Restructuring Carrying Value	2,000,000	'	2,000,000	'	'
Troubled Debt Restructuring, Reserved	155,000	'	155,000	'	'
Federal Home Loan Bank Advances [Member]	'	'	'	'	'
Loans Pledged as Collateral	$123,600,000	'	$123,600,000	'	$123,600,000

DEPOSITS_Details

DEPOSITS (Details) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
NOW and other demand deposit accounts	$436,501	$417,401
Passbook savings and club accounts	170,446	166,861
Subtotal	606,947	584,262
Certificates with original maturities:	'	'
Within one year	71,222	69,620
One to three years	100,554	119,467
Three years and beyond	25,327	28,416
Total certificates	197,103	217,503
Total	$804,050	$801,765
Weighted Average Interest Rate, NOW and other demand deposit accounts	0.12%	0.12%
Weighted Average Interest Rate, Passbook savings and club accounts	0.20%	0.20%
Weighted Average Interest Rate, Certificates with original maturities:	'	'
Weighted Average Interest Rate, Within one year	0.40%	0.41%
Weighted Average Interest Rate, One to three years	1.13%	1.39%
Weighted Average Interest Rate, Three years and beyond	2.06%	2.56%

DEPOSITS_Details_Textual

DEPOSITS (Details Textual) (USD $)	Sep. 30, 2013	Dec. 31, 2012
Time Deposits, $100,000 or More	$72,400,000	$79,600,000
Cash, Uninsured Amount	250,000	'
Municipal Demand Deposits, $100000 or More	$163,600,000	$157,600,000

EARNINGS_PER_SHARE_Details

EARNINGS PER SHARE (Details) (USD $)	3 Months Ended		9 Months Ended
In Thousands, except Share data, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
Numerator - Net Income	$1,324	$1,192	$3,863	$3,843
Denominators:	'	'	'	'
Basic average shares outstanding	6,533,760	6,625,221	6,514,699	6,715,043
Effect of dilutive common stock equivalents	111,658	55,942	119,055	70,758
Diluted average shares outstanding	6,645,418	6,681,163	6,633,754	6,785,801
Earnings per share:	'	'	'	'
Basic (in dollars per share)	$0.20	$0.18	$0.59	$0.57
Diluted (in dollars per share)	$0.20	$0.18	$0.58	$0.57

EARNINGS_PER_SHARE_Details_Tex

EARNINGS PER SHARE (Details Textual)	9 Months Ended
	Sep. 30, 2013	Sep. 30, 2012
Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount	541,112	639,272
Weighted Average Number Of Non Vested Shares Outstanding Diluted	40,590	60,390

STOCKBASED_COMPENSATION_Detail

STOCK-BASED COMPENSATION (Details) (USD $)	9 Months Ended
	Sep. 30, 2013		Sep. 30, 2012
Number of shares, Outstanding at the beginning of the period (in shares)	649,313		650,804
Number of shares, Granted (in shares)	0		0
Number of shares, Exercised (in shares)	34,013		11,532
Number of shares, Forfeited (in shares)	0		0
Number of shares, Outstanding at the end of the period (in shares)	615,300		639,272
Exercisable at the end of the period (in shares)	468,986		441,322
Stock options vested or expected to vest (in shares)	553,770	[1]	575,345	[1]
Weighted average exercise price, Outstanding at the beginning of the period (in dollars per share)	$11.90		$11.90
Weighted average exercise price, Granted (in dollars per share)	$0		$0
Weighted average exercise price, Exercised (in dollars per share)	$12.38		$10.61
Weighted average exercise price, Forfeited (in dollars per share)	$0		$0
Weighted average exercise price, Outstanding at the end of the period (in dollars per share)	$11.92		$11.90
Weighted average exercise price, Exercisable at the end of the period (in dollars per share)	$12.23		$13.16
Weighted average exercise price, Stock options vested or expected to vest (in dollars per share)	$11.92	[1]	$11.90	[1]
[1]	Includes vested shares and nonvested shares after a forfeiture rate, which is based upon historical data, is applied.

STOCKBASED_COMPENSATION_Detail1

STOCK-BASED COMPENSATION (Details 1) (USD $)	9 Months Ended
	Sep. 30, 2013	Dec. 31, 2012	Sep. 30, 2012	Dec. 31, 2011
Options Outstanding, Number of Shares (in shares)	615,300	649,313	639,272	650,804
Options Outstanding, Weighted Average Exercise Price (in dollars per share)	$11.92	'	'	'
Options Outstanding, Weighted Average Remaining Contractual Life	'4 years 8 months 12 days	'	'	'
Date Of Issued August 10, 2005 [Member]	'	'	'	'
Options Outstanding, Number of Shares (in shares)	270,729	'	'	'
Options Outstanding, Weighted Average Exercise Price (in dollars per share)	$13.19	'	'	'
Options Outstanding, Weighted Average Remaining Contractual Life	'1 year 10 months 24 days	'	'	'
Date Of Issued November 21, 2006 [Member]	'	'	'	'
Options Outstanding, Number of Shares (in shares)	17,586	'	'	'
Options Outstanding, Weighted Average Exercise Price (in dollars per share)	$14.78	'	'	'
Options Outstanding, Weighted Average Remaining Contractual Life	'3 years 2 months 12 days	'	'	'
Date Of Issued November 20, 2007 [Member]	'	'	'	'
Options Outstanding, Number of Shares (in shares)	19,919	'	'	'
Options Outstanding, Weighted Average Exercise Price (in dollars per share)	$11.32	'	'	'
Options Outstanding, Weighted Average Remaining Contractual Life	'4 years 2 months 12 days	'	'	'
Date Of Issued August 18, 2010 [Member]	'	'	'	'
Options Outstanding, Number of Shares (in shares)	224,628	'	'	'
Options Outstanding, Weighted Average Exercise Price (in dollars per share)	$10.21	'	'	'
Options Outstanding, Weighted Average Remaining Contractual Life	'6 years 10 months 24 days	'	'	'
Date Of Issued March 15, 2011 [Member]	'	'	'	'
Options Outstanding, Number of Shares (in shares)	13,600	'	'	'
Options Outstanding, Weighted Average Exercise Price (in dollars per share)	$12.06	'	'	'
Options Outstanding, Weighted Average Remaining Contractual Life	'7 years 6 months	'	'	'
Date Of Issued August 17, 2011 [Member]	'	'	'	'
Options Outstanding, Number of Shares (in shares)	51,338	'	'	'
Options Outstanding, Weighted Average Exercise Price (in dollars per share)	$11.53	'	'	'
Options Outstanding, Weighted Average Remaining Contractual Life	'7 years 10 months 24 days	'	'	'
Date Of Issued November 19, 2012 [Member]	'	'	'	'
Options Outstanding, Number of Shares (in shares)	17,500	'	'	'
Options Outstanding, Weighted Average Exercise Price (in dollars per share)	$13.10	'	'	'
Options Outstanding, Weighted Average Remaining Contractual Life	'9 years 2 months 12 days	'	'	'

STOCKBASED_COMPENSATION_Detail2

STOCK-BASED COMPENSATION (Details 2) (USD $)	9 Months Ended
	Sep. 30, 2013	Sep. 30, 2012
Number of shares, Beginning of period (in shares)	60,390	80,190
Number of shares, Issued (in shares)	0	0
Number of shares, Forfeited (in shares)	0	0
Number of shares, Vested (in shares)	19,800	19,800
Number of shares, Ending of period (in shares)	40,590	60,390
Weighted average grant date fair value, Beginning of period (in dollars per share)	$10.33	$10.32
Weighted average grant date fair value, Issued (in dollars per share)	$0	$0
Weighted average grant date fair value, Forfeited (in dollars per share)	$0	$0
Weighted average grant date fair value, Vested (in dollars per share)	$10.30	$10.30
Weighted average grant date fair value, Ending of period (in dollars per share)	$10.35	$10.33

STOCKBASED_COMPENSATION_Detail3

STOCK-BASED COMPENSATION (Details Textual) (USD $)	3 Months Ended		9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
Stock or Unit Option Plan Expense	$38	$37	$114	$110
Share-based Compensation Arrangement by Share-based Payment Award, Compensation Cost	'	'	481	'
Employee Service Share Based Compensation Awards Total Compensation Cost Not Yet Recognized Period For Recognition	'	'	'That cost is expected to be recognized over a weighted average period of 1.9 years.	'
Employee Service Share Based Compensation Nonvested Awards Total Compensation Cost Recognized	51	51	153	153
Employee Service Share-based Compensation, Nonvested Awards, Total Compensation Cost Not yet Recognized	$376	'	$376	'
Employee Service Share-based Compensation, Nonvested Awards, Total Compensation Cost Not yet Recognized, Period for Recognition	'	'	'1 year 10 months 24 days	'

INCOME_TAXES_Details_Textual

INCOME TAXES (Details Textual) (USD $)	3 Months Ended		9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
INCOME TAX EXPENSE	$696	$750	$2,079	$2,434
Effective Income Tax Rate Reconciliation, at Federal Statutory Income Tax Rate	'	'	35.00%	38.80%

STOCKHOLDERS_EQUITY_Details

STOCKHOLDERS' EQUITY (Details) (USD $)	3 Months Ended		9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
Unrealized Gain (Loss) on Available for Sale Securities, Beginning balance	($1,822)	($348)	$104	($571)
Unrealized Gain (Loss) on Available for Sale Securities, Current period change	-411	801	-3,586	1,164
Unrealized Gain (Loss) on Available for Sale Securities, Tax benefit	191	-310	1,440	-450
Unrealized Gain (Loss) on Available for Sale Securities, Ending balance	-2,042	143	-2,042	143
Loss on Post Retirement Life Benefit, Beginning balance	-186	-159	-148	0
Loss on Post Retirement Life Benefit, Current period change	8	6	-31	-153
Loss on Post Retirement Life Benefit, Tax benefit	0	0	0	0
Loss on Post Retirement Life Benefit, Ending balance	-178	-153	-178	-153
Accumulated Other Comprehensive Income, Beginning Balance	-2,008	-507	-44	-571
Accumulated Other Comprehensive Income, Current period change	-403	807	-3,617	1,011
Accumulated Other Comprehensive Income, Tax benefit	191	-310	1,440	-450
Accumulated Other Comprehensive Income, Ending Balance	($2,220)	($10)	($2,220)	($10)

STOCKHOLDERS_EQUITY_Details_Te

STOCKHOLDERS' EQUITY (Details Textual) (Board of Directors Chairman [Member], USD $)	9 Months Ended
	Sep. 30, 2013
Board of Directors Chairman [Member]	'
Common Stock, Dividends, Per Share, Cash Paid	$0.06

FAIR_VALUE_MEASUREMENTS_Detail

FAIR VALUE MEASUREMENTS (Details) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Available For Sale Securities Fair Value	$123,335	$106,206
US Government Sponsored Entity Mortgage Backed Securities [Member]	'	'
Available For Sale Securities Fair Value	79,142	55,636
Corporate Securities [Member]	'	'
Available For Sale Securities Fair Value	10,774	10,466
Equity Securities [Member]	'	'
Available For Sale Securities Fair Value	22	13
Fair Value, Inputs, Level 1 [Member]	'	'
Available For Sale Securities Fair Value	22	13
Fair Value, Inputs, Level 1 [Member] | US Government Sponsored Entity Mortgage Backed Securities [Member]	'	'
Available For Sale Securities Fair Value	0	0
Fair Value, Inputs, Level 1 [Member] | Us Treasury and Federal Agencies [Member]	'	'
Available For Sale Securities Fair Value	0	0
Fair Value, Inputs, Level 1 [Member] | State and Municipal Obligations [Member]	'	'
Available For Sale Securities Fair Value	0	0
Fair Value, Inputs, Level 1 [Member] | Corporate Securities [Member]	'	'
Available For Sale Securities Fair Value	0	0
Fair Value, Inputs, Level 1 [Member] | Equity Securities [Member]	'	'
Available For Sale Securities Fair Value	22	13
Fair Value, Inputs, Level 2 [Member]	'	'
Available For Sale Securities Fair Value	123,313	106,193
Fair Value, Inputs, Level 2 [Member] | US Government Sponsored Entity Mortgage Backed Securities [Member]	'	'
Available For Sale Securities Fair Value	79,142	55,636
Fair Value, Inputs, Level 2 [Member] | Us Treasury and Federal Agencies [Member]	'	'
Available For Sale Securities Fair Value	33,397	40,091
Fair Value, Inputs, Level 2 [Member] | State and Municipal Obligations [Member]	'	'
Available For Sale Securities Fair Value	0	0
Fair Value, Inputs, Level 2 [Member] | Corporate Securities [Member]	'	'
Available For Sale Securities Fair Value	10,774	10,466
Fair Value, Inputs, Level 2 [Member] | Equity Securities [Member]	'	'
Available For Sale Securities Fair Value	0	0
Fair Value, Inputs, Level 3 [Member]	'	'
Available For Sale Securities Fair Value	0	0
Fair Value, Inputs, Level 3 [Member] | US Government Sponsored Entity Mortgage Backed Securities [Member]	'	'
Available For Sale Securities Fair Value	0	0
Fair Value, Inputs, Level 3 [Member] | Us Treasury and Federal Agencies [Member]	'	'
Available For Sale Securities Fair Value	0	0
Fair Value, Inputs, Level 3 [Member] | State and Municipal Obligations [Member]	'	'
Available For Sale Securities Fair Value	0	0
Fair Value, Inputs, Level 3 [Member] | Corporate Securities [Member]	'	'
Available For Sale Securities Fair Value	0	0
Fair Value, Inputs, Level 3 [Member] | Equity Securities [Member]	'	'
Available For Sale Securities Fair Value	$0	$0

FAIR_VALUE_MEASUREMENTS_Detail1

FAIR VALUE MEASUREMENTS (Details 1) (USD $)	Sep. 30, 2013	Dec. 31, 2012	Sep. 30, 2012
In Thousands, unless otherwise specified
Assets:	'	'	'
Impaired loans	$3,111	'	$2,834
Real Estate Owned	525	'	870
Impaired loans, Total (Losses) Gains	-97	-369	-190
Real estate owned, Total (Losses) Gains	-143	'	-99
Fair Value, Inputs, Level 1 [Member]	'	'	'
Assets:	'	'	'
Impaired loans	0	'	0
Real Estate Owned	0	'	0
Fair Value, Inputs, Level 2 [Member]	'	'	'
Assets:	'	'	'
Impaired loans	2,958	'	2,634
Real Estate Owned	525	'	870
Fair Value, Inputs, Level 3 [Member]	'	'	'
Assets:	'	'	'
Impaired loans	153	'	200
Real Estate Owned	$0	'	$0

FAIR_VALUE_MEASUREMENTS_Detail2

FAIR VALUE MEASUREMENTS (Details 2) (USD $)	Sep. 30, 2013	Dec. 31, 2012	Sep. 30, 2012	Dec. 31, 2011
In Thousands, unless otherwise specified
Assets, Carrying value	'	'	'	'
Cash and cash equivalents, Carrying value	$125,524	$163,422	$214,774	$155,653
Investment securities, Carrying value	'	'	'	'
Held to maturity, Carrying value	7,158	10,568	'	'
Available for sale, Carrying value	123,335	106,206	'	'
Loans receivable, net, Carrying value	727,618	703,898	'	'
Federal Home Loan Bank Stock, Carrying value	6,320	6,390	'	'
Liabilities, Carrying value	'	'	'	'
NOW and other demand deposit accounts, Carrying value	436,501	417,401	'	'
Passbook savings and club accounts, Carrying value	170,446	166,861	'	'
Certificates, Carrying value	197,103	217,503	'	'
Advances from Federal Home Loan Bank, Carrying value	110,000	110,000	'	'
Junior subordinated debenture, Carrying value	10,309	15,464	'	'
Investment securities, Estimated Fair Value	'	'	'	'
Held to maturity, Estimated Fair Value	7,253	10,702	'	'
Available for sale, Estimated Fair Value	44,171	'	'	'
Fair Value, Inputs, Level 1 [Member]	'	'	'	'
Investment securities, Carrying value	'	'	'	'
Available for sale, Carrying value	22	13	'	'
Assets, Estimated Fair Value	'	'	'	'
Cash and cash equivalents, Estimated Fair Value	125,524	163,422	'	'
Investment securities, Estimated Fair Value	'	'	'	'
Held to maturity, Estimated Fair Value	0	0	'	'
Available for sale, Estimated Fair Value	22	13	'	'
Loans receivable, net, Estimated Fair Value	0	0	'	'
Federal Home Loan Bank stock, Estimated Fair Value	0	0	'	'
Liabilities, Estimated Fair Value	'	'	'	'
NOW and other demand deposit accounts, Estimated Fair Value	0	0	'	'
Passbook savings and club accounts, Estimated Fair Value	0	0	'	'
Certificates, Estimated Fair Value	0	0	'	'
Advances from Federal Home Loan Bank, Estimated Fair Value	0	0	'	'
Junior subordinated debenture, Estimated Fair Value	0	0	'	'
Fair Value, Inputs, Level 2 [Member]	'	'	'	'
Investment securities, Carrying value	'	'	'	'
Available for sale, Carrying value	123,313	106,193	'	'
Assets, Estimated Fair Value	'	'	'	'
Cash and cash equivalents, Estimated Fair Value	0	0	'	'
Investment securities, Estimated Fair Value	'	'	'	'
Held to maturity, Estimated Fair Value	7,253	10,702	'	'
Available for sale, Estimated Fair Value	123,313	106,193	'	'
Loans receivable, net, Estimated Fair Value	755,973	731,546	'	'
Federal Home Loan Bank stock, Estimated Fair Value	6,320	6,390	'	'
Liabilities, Estimated Fair Value	'	'	'	'
NOW and other demand deposit accounts, Estimated Fair Value	451,552	427,510	'	'
Passbook savings and club accounts, Estimated Fair Value	178,990	171,848	'	'
Certificates, Estimated Fair Value	196,727	215,638	'	'
Advances from Federal Home Loan Bank, Estimated Fair Value	120,492	124,140	'	'
Junior subordinated debenture, Estimated Fair Value	9,278	12,371	'	'
Fair Value, Inputs, Level 3 [Member]	'	'	'	'
Investment securities, Carrying value	'	'	'	'
Available for sale, Carrying value	0	0	'	'
Assets, Estimated Fair Value	'	'	'	'
Cash and cash equivalents, Estimated Fair Value	0	0	'	'
Investment securities, Estimated Fair Value	'	'	'	'
Held to maturity, Estimated Fair Value	0	0	'	'
Available for sale, Estimated Fair Value	0	0	'	'
Loans receivable, net, Estimated Fair Value	0	0	'	'
Federal Home Loan Bank stock, Estimated Fair Value	0	0	'	'
Liabilities, Estimated Fair Value	'	'	'	'
NOW and other demand deposit accounts, Estimated Fair Value	0	0	'	'
Passbook savings and club accounts, Estimated Fair Value	0	0	'	'
Certificates, Estimated Fair Value	0	0	'	'
Advances from Federal Home Loan Bank, Estimated Fair Value	0	0	'	'
Junior subordinated debenture, Estimated Fair Value	$0	$0	'	'

FAIR_VALUE_MEASUREMENTS_Detail3

FAIR VALUE MEASUREMENTS (Details Textual) (USD $)	3 Months Ended	9 Months Ended
	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
Fair Value Of Loans Remeasured	'	$3,100,000	$2,800,000
Prior To Remeasurement Of Loans	'	3,200,000	3,000,000
Gain (Loss) on impairment of loans	'	97,000	190,000
Fair Value Of Real Estate Owned Remeasured	583,000	525,000	1,100,000
Prior To Remeasurement Of Real Estate Owned	631,000	668,000	968,000
Gain (Loss) on impairment of real estate owned	48,000	143,000	99,000
Proceeds From Sale Of Real Estate	$188,000	$963,000	$188,000

GOODWILL_AND_INTANGIBLE_ASSETS1

GOODWILL AND INTANGIBLE ASSETS (Details Textual) (USD $)	9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Dec. 31, 2012
Goodwill	$4,630	$4,630
Intangible Assets, Net (Excluding Goodwill)	$645	$675
Finite-Lived Intangible Assets, Remaining Amortization Period	'15 years	'

REAL_ESTATE_OWNED_Details

REAL ESTATE OWNED (Details) (USD $)	9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012
Balance, January 1,	$906	$98
Transfers into Real Estate Owned	966	1,058
Sales of Real Estate Owned	-963	-188
Balance, September 30,	909	968
Residential Real Estate [Member]	'	'
Balance, January 1,	412	98
Transfers into Real Estate Owned	438	564
Sales of Real Estate Owned	-610	-188
Balance, September 30,	240	474
Commercial Real Estate [Member]	'	'
Balance, January 1,	494	0
Transfers into Real Estate Owned	528	494
Sales of Real Estate Owned	-353	0
Balance, September 30,	$669	$494