Ocean Shore Holding Inactive 10-Q7 Nov 142014 Q3 Quarterly reportFinancial data

Company Profile

Document_And_Entity_Informatio

Document And Entity Information	9 Months Ended
Document And Entity Information	Sep. 30, 2014	Nov. 03, 2014
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	'	6,420,843
Document Type	'10-Q	'
Amendment Flag	'false	'
Document Period End Date	30-Sep-14	'
Document Fiscal Period Focus	'Q3	'
Document Fiscal Year Focus	'2014	'

CONDENSED_CONSOLIDATED_STATEME

CONDENSED CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION (USD $)	Sep. 30, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified	Sep. 30, 2014	Dec. 31, 2013
ASSETS	'	'
Cash and amounts due from depository institutions	$7,979	$9,509
Interest-earning bank balances	85,137	78,110
Cash and cash equivalents	93,116	87,619
Investment securities held to maturity (estimated fair valueÂ—$1,310 at September 30, 2014; $3,402 at December 31, 2013)	1,232	3,312
Investment securities available for sale (amortized costÂ—$116,373 at September 30, 2014; $129,776 at December 31, 2013)	113,695	125,389
LoansÂ—net of allowance for loan losses of $4,029 at September 30, 2014 and $4,199 at December 31, 2013	773,796	744,802
Accrued interest receivable:	'	'
Loans	2,392	2,391
Investment securities	116	142
Federal Home Loan Bank stockÂ—at cost	6,039	6,320
Office properties and equipmentÂ—net	12,902	13,143
Prepaid expenses and other assets	3,256	3,062
Real estate owned	387	498
Cash surrender value of life insurance	23,669	23,196
Net deferred tax asset	4,232	4,919
Goodwill	4,630	4,630
Other intangible assets	567	625
TOTAL ASSETS	1,040,029	1,020,048
LIABILITIES:	'	'
Non-interest bearing deposits	100,306	96,750
Interest bearing deposits	704,246	683,897
Advances from Federal Home Loan Bank	110,000	110,000
Junior subordinated debenture	7,217	10,309
Advances from borrowers for taxes and insurance	3,859	3,702
Accrued interest payable	746	1,024
Other liabilities	8,506	8,143
Total liabilities	934,880	913,825
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; 6,469,943 shares outstanding at September 30, 2014; 6,903,352 shares outstanding at December 31, 2013	73	73
Additional paid-in capital	65,877	65,401
Retained earnings - partially restricted	55,764	52,287
Treasury stockÂ—at cost: 837,647 shares at September 30, 2014; 404,238 shares at December 31, 2013	-11,590	-5,304
Common stock acquired by employee benefits plans	-2,725	-2,981
Deferred compensation plans trust	-606	-586
Accumulated other comprehensive loss	-1,644	-2,667
Total stockholders' equity	105,149	106,223
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$1,040,029	$1,020,048

CONDENSED_CONSOLIDATED_STATEME1

CONDENSED CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION (Parenthetical) (USD $)	Sep. 30, 2014	Dec. 31, 2013
In Thousands, except Share data, unless otherwise specified	Sep. 30, 2014	Dec. 31, 2013
Investment securities held to maturity, estimated fair value (in dollars)	$1,310	$3,402
Investment securities available for sale, amortized cost (in dollars)	116,373	129,776
Allowance for loan losses (in dollars)	$4,029	$4,199
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	6,469,943	6,903,352
Treasury stock, shares	837,647	404,238

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, 2014	Sep. 30, 2013	Sep. 30, 2014	Sep. 30, 2013
INTEREST AND DIVIDEND INCOME:	'	'	'	'
Taxable interest and fees on loans	$8,243	$7,964	$24,569	$23,968
Taxable interest on mortgage-backed securities	333	360	1,032	1,016
Non-taxable interest on municipal securities	1	18	6	55
Taxable interest and dividends on other investment securities	278	341	913	1,073
Total interest and dividend income	8,855	8,683	26,520	26,112
INTEREST EXPENSE:	'	'	'	'
Interest on deposits	625	737	1,898	2,353
Interest on borrowings	1,272	1,365	3,818	4,169
Total interest expense	1,897	2,102	5,716	6,522
NET INTEREST INCOME	6,958	6,581	20,804	19,590
PROVISION FOR LOAN LOSSES	125	186	263	580
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES	6,833	6,395	20,541	19,010
OTHER INCOME:	'	'	'	'
Service charges	417	520	1,308	1,580
Cash surrender value of life insurance	159	169	473	501
Gain on call of securities	86	3	86	3
Other	440	436	1,328	1,270
Total other income	1,102	1,128	3,195	3,354
OTHER EXPENSE:	'	'	'	'
Salaries and employee benefits	3,177	3,084	9,567	9,384
Occupancy and equipment	1,282	1,287	3,844	3,812
Federal insurance premiums	130	140	400	405
Advertising	125	86	313	306
Professional services	245	334	794	1,005
Real estate owned (income)expense	-41	20	51	55
Charitable contributions	38	38	113	113
Other operating expenses	495	514	1,345	1,342
Total other expenses	5,451	5,503	16,427	16,422
INCOME BEFORE INCOME TAXES	2,484	2,020	7,309	5,942
INCOME TAX EXPENSE	904	696	2,609	2,079
NET INCOME	1,580	1,324	4,700	3,863
Other comprehensive income, net of tax:	'	'	'	'
Unrealized (loss)gain on available for sale securities	-202	-220	1,021	-2,146
Unrealized gain(loss) on post retirement life benefit	1	8	2	-31
COMPREHENSIVE INCOME	$1,379	$1,112	$5,723	$1,686
Earnings per share, basic: (in dollars per share)	$0.25	$0.20	$0.74	$0.59
Earnings per share, diluted: (in dollars per share)	$0.25	$0.20	$0.73	$0.58

CONDENSED_CONSOLIDATED_STATEME3

CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS (USD $)	9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2014	Sep. 30, 2013
OPERATING ACTIVITIES:	'	'
Net income	$4,700	$3,863
Adjustments to reconcile net income to net cash provided by operating activities:	'	'
Depreciation and amortization	878	428
Provision for loan losses	263	580
Stock based compensation expense	830	643
Gain on sale/ call of AFS securities	-86	-3
Premium paid on partial retirement of junior subordinated debt	54	112
Cash surrender value of life insurance	-473	-501
Changes in assets and liabilities which provided (used) cash:	'	'
Accrued interest receivable	25	66
Prepaid expenses and other assets	-194	2,913
Accrued interest payable	-278	-452
Other liabilities	363	-15
Net cash provided by operating activities	6,082	7,634
Principal collected on:	'	'
Investment securities available for sale	6,993	5,497
Investment securities held to maturity	246	342
Loans originated, net of repayments	-29,638	-25,317
Purchases of:	'	'
Federal Home Loan Bank stock	-82	0
Investment securities held to maturity	-494	-2,328
Investment securities available for sale	-14,958	-45,878
Office properties and equipment	-469	-315
Proceeds from sale of:	'	'
Investment securities available for sale	1,290	0
Federal Home Loan Bank stock	363	70
Proceeds from maturities and calls of:	'	'
Investment securities held to maturity	2,328	5,393
Investment securities available for sale	20,000	20,032
Real estate owned	571	962
Net cash used in investing activities	-13,850	-41,542
FINANCING ACTIVITIES:	'	'
Increase in deposits	23,880	2,285
Dividends paid	-1,222	-1,249
Partial retirement of junior subordinated debt	-3,146	-5,264
Exercise of incentive stock options	99	424
Purchase of treasury stock	-6,483	-86
Purchase of shares by deferred compensation plans trust	-20	-21
Increase in advances from borrowers for taxes and insurance	157	-79
Net cash provided by (used in ) financing activities	13,265	-3,990
NET INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS	5,497	-37,898
CASH AND CASH EQUIVALENTSÂ—Beginning of period	87,619	163,422
CASH AND CASH EQUIVALENTSÂ—End of period	93,116	125,524
SUPPLEMENTAL DISCLOSURES OF CASH FLOW INFORMATIONÂ—Cash paid during the period for:	'	'
Interest	5,960	6,965
Income Taxes	2,684	2,152
SUPPLEMENTAL DISCLOSURES OF NON-CASH ITEMS	'	'
Transfers of loans to real estate owned	$460	$966

SUMMARY_OF_SIGNIFICANT_ACCOUNT

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	9 Months Ended
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	Sep. 30, 2014
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, 2013. The results for the nine months ended September 30, 2014 are not necessarily indicative of the results that may be expected for the fiscal year ending December 31, 2014 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 GAAP 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, other-than-temporary impairment on investment securities, goodwill and intangible impairment, deferred income taxes and the fair value measurements of financial instruments. Actual results could differ from those estimates under different assumptions and conditions, and the differences may be material to the consolidated financial statements.

	New Accounting Pronouncements –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 adoption of this accounting guidance did not have a material impact on the Company’s consolidated financial statements.

	In January 2014, the FASB issued ASU 2014-04, Receivables — Troubled Debt Restructurings by Creditors (Subtopic 310-40): Reclassification of Residential Real Estate Collateralized Consumer Mortgage Loans Upon Foreclosure — a consensus of the FASB Emerging Issues Task Force, on January 17, 2014. This ASU clarifies when a creditor should be considered to have received physical possession of residential real estate property collateralizing a consumer mortgage loan such that the loan receivable should be derecognized and the real estate property recognized. The amended guidance clarifies that an in substance repossession or foreclosure occurs, and a creditor is considered to have received physical possession of residential real estate property collateralizing a consumer mortgage loan, upon either (1) the creditor obtaining legal title to the residential real estate property upon completion of a foreclosure or (2) the borrower conveying all interest in the residential real estate property to the creditor to satisfy that loan through completion of a deed in lieu of foreclosure or through a similar legal agreement. In addition, the amended guidance requires interim and annual disclosures of both (1) the amount of foreclosed residential real estate property held by the creditor and (2) the recorded investment in consumer mortgage loans collateralized by residential real estate property that are in the process of foreclosure according to local requirements of the applicable jurisdiction. The amended guidance may be applied prospectively or through a modified retrospective approach and is effective for fiscal years, and interim periods within those years, beginning after December 15, 2014, with early adoption permitted. The adoption of the amended guidance is currently being evaluated by the Company, but is not expected to have a significant impact on the Company’s consolidated financial statements.

	In May 2014, the FASB issued ASU 2014-09, which created ASC 606 "Revenue from Contracts with Customers," superseding the revenue recognition requirements in ASC 605. This ASU requires an entity to recognize revenue for the transfer of promised goods or services to customers in an amount that reflects the consideration to which the entity expects to be entitled in exchange for those goods or services. The amendment includes a five-step process to assist an entity in achieving the main principle(s) of revenue recognition under ASC 605. The amendment will be effective for the Company for the first annual period ending after December 15, 2016, including interim periods within that reporting period, and should be applied on a prospective basis. Early adoption of the guidance is not permitted. The Company is currently evaluating the impact of this ASU on its financial position, results of operations and disclosures.

	In June 2014, the FASB issued ASU 2014-11, an amendment to ASC 860 “Transfers and Servicing.” This ASU requires accounting changes for repurchase to maturity and repurchase financing transactions, respectively, which will be accounted for as a secured borrowing agreement on a prospective basis. The ASU also adds additional disclosure requirements related to these transactions. The amendment will be effective for the Company for the first annual period ending after December 15, 2014. The accounting changes for all transactions affected by this amendment will have the impact recorded as a cumulative-effect adjustment to retained earnings on the date of adoption. The Company has completed its evaluation and concluded that there is no current impact of this ASU on its financial position, results of operations and disclosures.

	Also in June 2014, the FASB issued ASU 2014-12, an amendment to ASC 718 “Compensation-Stock Compensation.” This ASU requires that a performance target that affects vesting, and could be achieved after the requisite service period, be treated as a performance condition. Application of existing guidance in ASC 718, as it relates to awards with performance conditions that affect vesting, should continue to be used to account for such awards. The amendment will be effective for the Company for the first reporting period ending after December 15, 2014. Early adoption is permitted. The Company is currently evaluating the impact of this ASU on its financial position, results of operations and disclosures.

	In August 2014, the FASB issued ASU 2014-14, an amendment to ASC 310-40 “Receivables - Troubled Debt Restructurings by Creditors.” This ASU requires that a government-guaranteed mortgage loan be de-recognized, and that a separate other receivable be recognized, upon foreclosure if the three criteria identified in the ASU are met. Upon foreclosure and meeting the three criteria, the separate other receivable should be measured based on the amount of the loan balance (principal and interest) that is expected to be recovered from the guarantor. The amendment will be effective for the Company for the first reporting period ending after December 15, 2014. Adoption of the amendment by the Company can be either on a prospective or modified retrospective basis. For the prospective basis, the amendment would be applied to foreclosures occurring after the effective date of the amendment. For the modified retrospective basis, the Company would book a cumulative-effect adjustment (reclassification to other receivables as stated in the amendment) as of the beginning of the annual period of adoption. Prior periods should not be adjusted. The Company is currently evaluating the impact of this ASU on its financial position, results of operations and disclosures.

	In August 2014, the FASB also issued ASU 2014-15, Disclosure of Uncertainties about an Entity’s Ability to Continue as a Going Concern. This ASU requires management to perform an assessment of going concern and provides specific guidance on when and how to assess or disclose going concern uncertainties. The new standard also defines terms used in the evaluation of going concern, such as "substantial doubt." Following application, the Company will be required to perform assessments at each annual and interim period, provide an assessment period of one year from the issuance date, and make disclosures in certain circumstances in which substantial doubt is identified. The amendment will be effective for the Company for the first reporting period ending after December 15, 2016. Earlier application is permitted. The Company does not expect this ASU to have an impact on its financial position, result of operations, or disclosures.

INVESTMENT_SECURITIES

INVESTMENT SECURITIES	9 Months Ended
INVESTMENT SECURITIES	Sep. 30, 2014
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:

			September 30, 2014
						Gross			Gross			Estimated
			Amortized			Unrealized			Unrealized			Fair
			Cost			Gain			Loss			Value
			(Dollars in thousands)
	Held to Maturity
	Debt Securities - Municipal		$	494		$	-		$	-		$	494
	U.S. Treasury and government sponsored entity mortgage-backed securities			738			78			-			816
	Totals		$	1,232		$	78		$	-		$	1,310

	Available for Sale
	Debt securities:
	Corporate		$	21,034		$	5		$	-530		$	20,509
	U.S. Treasury and federal agencies			10,586			127			-705			10,008
	Equity securities			3			25			-			28
	U.S. treasury and government sponsored entity mortgage-backed securities			84,750			270			-1,870			83,150
	Totals		$	116,373		$	427		$	-3,105		$	113,695

			December 31, 2013
						Gross			Gross			Estimated
			Amortized			Unrealized			Unrealized			Fair
			Cost			Gain			Loss			Value
			(Dollars in thousands)
	Held to Maturity
	Debt Securities - Municipal		$	2,328		$	-		$	-		$	2,328
	U.S. Treasury and government sponsored entity mortgage-backed securities			984			90			-			1,074
	Totals		$	3,312		$	90		$	-		$	3,402

	Available for Sale
	Debt securities:
	Corporate		$	11,551		$	155		$	-909		$	10,797
	U.S. Treasury and federal agencies			35,035			-			-2,132			32,903
	Equity securities			3			27			-			30
	U.S. Treasury and government sponsored entity mortgage-backed securities			83,187			392			-1,920			81,659
	Totals		$	129,776		$	574		$	-4,961		$	125,389

	As of September 30, 2014 and December 31, 2013, the Company had investment securities available for sale with an estimated fair value of $77.5 million and $98.8 million, respectively, pledged as collateral to secure public fund deposits.

	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, 2014 and December 31, 2013:

			September 30, 2014
			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		$	34		$	-		$	15,471		$	-530		$	15,505		$	-530
	Corporate			-			-			3,983			-705			3,983			-705
	U.S. treasury and government sponsored entity mortgage- backed securities			14,996			-51			64,147			-1,819			79,143			-1,870
	Totals		$	15,030		$	-51		$	83,601		$	-3,054		$	98,631		$	-3,105

			December 31, 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. Treasury		$	27,221		$	-1,814		$	5,682		$	-318		$	32,903		$	-2,132
Corporate			-			-			3,796			-909			3,796			-909
U.S. treasury and government sponsored entity mortgage- backed securities			74,803			-1,917			474			-3			75,277			-1,920
Totals		$	102,024		$	-3,731		$	9,952		$	-1,230		$	111,976		$	-4,961

Management has reviewed its investment securities as of September 30, 2014 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 OTTI assessment is a subjective process requiring the use of judgments and assumptions. During the securities-level assessments, consideration is given to (1) the intent not to sell and probability that the Company will not be required to sell the security before recovery of its cost basis to allow for any anticipated recovery in fair value, (2) the financial condition and near-term prospects of the issuer, as well as company news and current events, and (3) the ability to collect the future expected cash flows. Key assumptions utilized to forecast expected cash flows may include loss severity, expected cumulative loss percentage, cumulative loss percentage to date, weighted average FICO and weighted average loan-to-value (“LTV”), rating or scoring, credit ratings and market spreads, as applicable.

The Company assesses and recognizes OTTI in accordance with applicable accounting standards. Under these standards, if the Company determines that a security in the unrealized loss position is designated to be sold or it is more likely than not that the Company will be required to sell the security prior to recovery of its amortized cost basis, the impairment of such security is concluded to be other than temporary and the entire amount of the unrealized loss will be recorded in earnings. If the Company has not made a decision to sell the security and it does not expect that it will be required to sell the security prior to the recovery of the amortized cost basis but the Company concludes that the entire amortized cost basis of the security will not be recovered, while the OTTI is concluded to exists, the Company only recognizes currently in earnings the amount of decline in value attributable to credit deterioration, with the remaining component of OTTI presented in other comprehensive income.

Two pooled trust preferred collateralized debt obligations (“CDOs”) backed by bank trust capital securities had been determined to be other-than-temporarily impaired in 2009 and 2008, due solely to credit related factors and the Company has written the securities to zero. The Company continues to own these investments at September 30, 2014. These securities had Fitch credit ratings below investment grade at September 30, 2014. The underlying collateral consists of the bank trust capital securities of over 50 institutions. Each of the securities is in the mezzanine levels of credit subordination and defaults experienced in the pool for each security has significantly exceeded thresholds contemplated in the structure at the time of purchase.

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, 2014, one debt security and two single issuer trust preferred securities have been in a continuous unrealized loss position for 12 months or longer. Those securities have aggregate depreciation of 15.0% from the Company’s amortized cost basis. The decline is primarily attributable to depressed pricing of two issuers of trust preferred securities. The unrealized loss on these debt securities relates principally to the rising interest rate environment in the financial markets for these types of investments. These securities were performing in accordance with their contractual terms as of September 30, 2014, and had paid all contractual cash flows since the Company’s initial investment. 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 Company expects recovery of fair value when market conditions have stabilized and that the Company will receive all contractual principal and interest payments related to those investments.

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, 2014 the Company had fifteen agency mortgage-backed securities with unrealized losses for 12 months or longer. Those securities had aggregate depreciation of 3.0% from the Company’s amortized cost basis. These securities were performing in accordance with their contractual terms as of September 30, 2014, 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, 2014 by contractual maturity are shown below. 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.

		September 30, 2014
		Held to Maturity						Available for Sale Securities
		Amortized			Estimated			Amortized			Estimated
		Cost			Fair Value			Cost			Fair Value
		(Dollars in thousands)
Due within 1 year		$	494		$	494		$	-		$	-
Due after 1 year through 5 years			-			-			5,933			6,060
Due after 5 years through 10 years			-			-			5,000			5,004
Due after 10 years			-			-			20,688			19,453
Total		$	494		$	494		$	31,621		$	30,517

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 $28 thousand as of September 30, 2014. Mortgage-backed securities had a cost of $85.5 million and a fair value of $84.0 million as of September 30, 2014.

Gains (Losses) and Proceeds on Sales of Securities

Proceeds from sales of investment securities and the realized gross gains and losses from those sales are as follows:

		Three-Month Period						Nine-Month Period
		Ended September 30,						Ended September 30,
		2014			2013			2014			2013
		(Dollars in thousands)
Proceeds from the sales of available-for-sale securities		$	1,290		$	—		$	1,290		$	—

Gross realized gains			86			—			86			—
Total realized gains		$	86		$	—		$	86		$	—

The Company uses the specific identification method to determine the cost of the securities sold and the gain or loss recognized.

The gain realized for the three and nine month period ended September 30, 2014 was due to the sale of mortgage backed securities with a book value of $1.2 million for a gain of $84 thousand during the third quarter of 2014.

LOANS_RECEIVABLENET

LOANS RECEIVABLE-NET	9 Months Ended
LOANS RECEIVABLE-NET	Sep. 30, 2014
Receivables [Abstract]	'
Loans, Notes, Trade and Other Receivables Disclosure [Text Block]	'
	3. LOANS RECEIVABLE – NET

	Loans receivable consist of the following:

			September 30, 2014			December 31, 2013
			(Dollars in thousands)
	Real estate - mortgage:
	One-to-four family residential		$	582,390		$	545,812
	Commercial and multi-family			91,287			90,855
	Total real estate-mortgage			673,677			636,667
	Real estate - construction:
	Residential			20,406			25,113
	Commercial			2,542			2,510
	Total real estate - construction			22,948			27,623
	Commercial			20,641			23,445
	Consumer:
	Home equity			56,671			57,367
	Other consumer loans			386			628
	Total consumer loans			57,057			57,995
	Total loans			774,323			745,730
	Net deferred loan cost			3,502			3,271
	Allowance for loan losses			-4,029			-4,199
	Net total loans		$	773,796		$	744,802

	Changes in the allowance for loan losses are as follows:

			Nine months Ended September 30,
			2014			2013
			(Dollars in thousands)
	Balance, beginning of period		$	4,199		$	3,997
	Provision for loan loss			263			580
	Charge-offs			-509			-379
	Recoveries			76			13
	Balance, end of period		$	4,029		$	4,211

	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 $263 thousand for the nine months ended September 30, 2014 as compared to $580 thousand for the comparable period in 2013.

	Non-performing assets segregated by classification are as follows:

			September 30, 2014			December 31, 2013
			(Dollars in thousands)
	Real estate
	One-to-four family residential		$	4,089		$	3,618
	Commercial and multi-family			1,336			463
	Commercial			501			-
	Consumer			944			674
	Non-accrual loans			6,870			4,755
	Troubled debt restructuring, non-accrual			630			316
	Total non-performing loans			7,500			5,071
	Real estate owned			387			498
	Total non-performing assets		$	7,887		$	5,569

	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, 2014 and 2013:

			Contractual			Nonaccretable			Accretable			Carrying
			Receivable			(Yield)/Premium			(Yield)/Premium			Amount
			Amount
			(Dollars in thousands)
	Balance at January 1, 2014		$	50,837		$	-3,099		$	746		$	48,484
	Principal reductions			-4,675			—			—			-4,675
	Charge-offs, net			-439			439			—			—
	Amortization of loan premium			—			—			-153			-153
	Balance at September 30, 2014		$	45,723		$	-2,660		$	593		$	43,656

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
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, 2014 and December 31, 2013 are as follows:

		30-59 Days			60-89 Days			Greater			Total Past			Current		Total Loans
		Past Due			Past Due			Than 90			Due					Receivable
								Days
		(Dollars in thousands)
30-Sep-14
Real Estate
1-4 Family Residential		$	1,603		$	-		$	4,720		$	6,323		$	576,067	$	582,390
Commercial and Multi-Family			-			-			1,335			1,335			89,952		91,287
Construction			-			-			-			-			22,948		22,948
Commercial			-			-			501			501			20,140		20,641
Consumer			412			102			944			1,458			55,599		57,057
Total		$	2,015		$	102		$	7,500		$	9,617		$	764,706	$	774,323

31-Dec-13
Real Estate
1-4 Family Residential		$	1,271		$	-		$	3,427		$	4,698		$	541,114	$	545,812
Commercial and Multi-Family			-			-			763			763			90,092		90,855
Construction			-			-			-			-			27,623		27,623
Commercial			-			-			-			-			23,445		23,445
Consumer			266			50			647			963			57,032		57,995
Total		$	1,537		$	50		$	4,837		$	6,424		$	739,306	$	745,730


Impaired loans are set forth 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-14
With no related allowance recorded
Real Estate
1-4 Family Residential		$	4,722		$	4,759		$	-		$	163
Commercial and Multi-Family			1,335			1,335			-			267
Construction			-			-			-			-
Commercial			-			-			-			-
Consumer			945			945			-			67
With an allowance recorded
Real Estate
1-4 Family Residential			5,121			5,510			487			366
Commercial and Multi-Family			-			-			-			-
Construction			-			-			-			-
Commercial			707			707			64			353
Consumer			530			542			199			106
Total
Real Estate
1-4 Family Residential			9,843			10,269			487			229
Commercial and Multi-Family			1,335			1,335			-			267
Construction			-			-			-			-
Commercial			707			707			64			353
Consumer			1,425			1,487			199			78

31-Dec-13
With no related allowance recorded
Real Estate
1-4 Family Residential		$	2,707		$	2,744		$	-		$	193
Commercial and Multi-Family			465			463			-			463
Construction			-			-			-			-
Commercial			-			-			-			-
Consumer			674			674			-			61
With an allowance recorded
Real Estate
1-4 Family Residential			3,127			3,166			396			284
Commercial and Multi-Family			-			-			-			-
Construction			-			-			-			-
Commercial			-			-			-			-
Consumer			121			121			21			121
Total
Real Estate
1-4 Family Residential			5,834			5,910			396			233
Commercial and Multi-Family			465			463			-			463
Construction			-			-			-			-
Commercial			-			-			-			-
Consumer			795			795			21			66

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, 2014, the Company had entered into 12 TDR agreements, modifying the interest rate, with a total carrying value of $3.5 million, of which two were not performing totaling $630 thousand included in impaired loans at September 30, 2014. These loans had a specific reserve of $403 thousand. The following table presents an analysis of the Company’s TDR agreements existing as of September 30, 2014 and December 31, 2013, respectively.

		As of September 30, 2014									As of December 31, 2013
					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			7		$	3,003		$	3,003			6		$	2,216	$	2,216
Consumer			4			290			290			1			121		121
Commercial			1			206			206			–			–		–
Total			12		$	3,499		$	3,499			7		$	2,337	$	2,337

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, 2014 and December 31, 2013.

		Real Estate
		1-4 Family						Commercial						Construction				Commercial				Consumer
		Residential						and Multi-Family						Construction				Commercial				Consumer
		9/30/14			12/31/13			9/30/14			12/31/13			9/30/14		12/31/13		9/30/14		12/31/13		9/30/14		12/31/13

		(Dollars in thousands)
Grade:
Special Mention		$	3,971		$	3,692		$	-		$	629		$	-	$	-	$	1,031	$	90	$	954	$	1,040
Substandard			9,367			7,612			781			3,645			-		-		3,677		665		1,649		900
Doubtful and Loss			-			-			-			-			-		-		-		-		14		-
Total		$	13,338		$	11,304		$	781		$	4,274		$	-	$	-	$	4,708	$	755	$	2,617	$	1,940

The following table presents the credit risk profile of loans based on payment activity as of September 30, 2014 and December 31, 2013.

		Real Estate
		1-4 Family						Commercial						Construction				Commercial				Consumer
		Residential						and Multi-Family						Construction				Commercial				Consumer
		9/30/14			12/31/13			9/30/14			12/31/13			9/30/14		12/31/13		9/30/14		12/31/13		9/30/14		12/31/13
		(Dollars in thousands)
Performing		$	577,671		$	541,878		$	89,951		$	90,392		$	22,948	$	27,623	$	20,140	$	23,445	$	56,113	$	57,321
Non-Performing			4,719			3,934			1,336			463			-		-		501		-		944		674
Total		$	582,390		$	545,812		$	91,287		$	90,855		$	22,948	$	27,623	$	20,641	$	23,445	$	57,057	$	57,995

The following table details activity in the allowance for possible loan losses by portfolio segment for the periods ended September 30, 2014 and December 31, 2013. 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-14
Allowance for credit losses:
Beginning Balance		$	2,981		$	551		$	85		$	230		$	352	$	4,199
Charge-offs			-463			-			-			-			-46		-509
Recoveries			1			-			-			75			-		76
Provision for loan losses			118			80			-34			-91			190		263
Ending balance		$	2,637		$	631		$	51		$	214		$	496		4,029
Ending balance: individually evaluated for impairment		$	487		$	-		$	-		$	64		$	199		750
Ending balance: collectively evaluated for impairment		$	2,150		$	631		$	51		$	150		$	297		3,279
Loan Receivables:
Ending balance		$	582,390		$	91,287		$	22,948		$	20,641		$	57,057	$	774,323
Ending balance: individually evaluated for impairment		$	9,843		$	1,335		$	-		$	707		$	1,475	$	13,360
Ending balance: collectively evaluated for impairment		$	572,547		$	89,952		$	22,948		$	19,934		$	55,582	$	760,963

31-Dec-13
Allowance for credit losses:
Beginning Balance		$	2,585		$	509		$	187		$	286		$	430	$	3,997
Charge-offs			-393			-79			-			-75			-20		-567
Recoveries			-			-			-			-			12		12
Provision for loan losses			789			121			-102			19			-70		757
Ending balance		$	2,981		$	551		$	85		$	230		$	352		4,199
Ending balance: individually evaluated for impairment		$	396		$	-		$	-		$	-		$	21		417
Ending balance: collectively evaluated for impairment		$	2,585		$	551		$	85		$	230		$	331		3,782
Loan Receivables:
Ending balance		$	545,812		$	90,855		$	27,623		$	23,445		$	57,995	$	745,730
Ending balance: individually evaluated for impairment		$	5,559		$	-		$	-		$	463		$	795	$	6,817
Ending balance: collectively evaluated for impairment		$	540,253		$	90,855		$	27,623		$	22,982		$	57,200	$	738,913

DEPOSITS

DEPOSITS	9 Months Ended
DEPOSITS	Sep. 30, 2014
Banking and Thrift [Abstract]	'
Deposit Liabilities Disclosures [Text Block]	'
	4	DEPOSITS

	Deposits consist of the following major classifications:

			September 30, 2014					December 31, 2013
					Weighted					Weighted
					Average					Average
			Amount		Interest Rate			Amount		Interest Rate
			(Dollars in thousands)
	NOW and other demand deposit accounts		$	455,292		0.13	%	$	419,608		0.12	%
	Passbook savings and club accounts			170,203		0.2	%		170,660		0.2	%
	Subtotal			625,495					590,268
	Certificates with original maturities:
	Within one year			48,412		0.31	%		68,941		0.41	%
	One to three years			107,603		0.9	%		95,397		1.39	%
	Three years and beyond			23,042		1.83	%		26,041		2.56	%
	Total certificates			179,057					190,379
	Total		$	804,552				$	780,647

	The aggregate amount of certificate accounts in denominations of $100 thousand or more at September 30, 2014 and December 31, 2013 amounted to $62.6 million and $68.8 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, 2014 and December 31, 2013 amounted to $186.1 million and $164.2 million, respectively.

EARNINGS_PER_SHARE

EARNINGS PER SHARE	9 Months Ended
EARNINGS PER SHARE	Sep. 30, 2014
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,
		2014		2013		2014		2013
		(Dollars in thousands, except per share data)
	Numerator – Net Income	$	1,580	$	1,324	$	4,700	$	3,863
	Denominators:
	Basic average shares outstanding		6,226,913		6,533,760		6,333,123		6,514,699
	Effect of dilutive common stock equivalents		134,943		111,658		136,334		119,055
	Diluted average shares outstanding		6,361,856		6,645,418		6,469,457		6,633,754

	Earnings per share:
	Basic	$	0.25	$	0.2	$	0.74	$	0.59
	Diluted	$	0.25	$	0.2	$	0.73	$	0.58

	At September 30, 2014 and 2013, there were 598,328 and 541,112 outstanding anti-dilutive options, respectively, 63,490 and 40,590 outstanding dilutive non-vested shares, respectively.

STOCKBASED_COMPENSATION

STOCK-BASED COMPENSATION	9 Months Ended
STOCK-BASED COMPENSATION	Sep. 30, 2014
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, 2014 and 2013 and changes during the nine months ended September 30, 2014 and 2013 are presented below:

			Nine Months Ended				Nine Months Ended
			September 30, 2014				September 30, 2013
			Number		Weighted		Number		Weighted
			of shares		average		of shares		average
					exercise price				exercise price
	Outstanding at the beginning of the period			680,200	$	12.14		649,313	$	11.9
	Granted			—		—		—		—
	Exercised			5,809	$	11.49		34,013	$	12.38
	Forfeited			—		—		—		—
	Outstanding at the end of the period			674,391	$	12.15		615,300	$	11.92
	Exercisable at the end of the period			524,462	$	12.06		468,986	$	12.23
	Stock options vested or expected to vest (1)			606,952	$	12.15		553,770	$	11.92

	(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, 2014:

			Options Outstanding
	Date Issued		Number of		Weighted Average		Weighted Average
			Shares		Exercise Price		Remaining
							Contractual Life
	10-Aug-05			269,511	$	13.19	0.9 years
	21-Nov-06			17,586	$	14.78	2.2 years
	20-Nov-07			18,448	$	11.32	3.2 years
	18-Aug-10			221,948	$	10.21	5.9 years
	15-Mar-11			13,600	$	12.06	6.5 years
	17-Aug-11			49,498	$	11.53	6.9 years
	19-Nov-12			17,500	$	13.1	8.2 years
	19-Nov-13			66,300	$	14.14	9.1 years
	Total			674,391	$	12.15	4.2 years

	The compensation expense on options recognized for the three and nine months ended September 30, 2014 was $46 thousand and $138 thousand, respectively, as compared to $38 thousand and $114 thousand for the three and nine months ended September 30, 2013, respectively.

	At September 30, 2014, there was $469 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 3.7 years.

	Summary of Non-vested Stock Award Activity:

			Nine Months ended				Nine Months ended
			September 30, 2014				September 30, 2013
			Number of		Weighted avg		Number of		Weighted avg
			shares		grant date fair		shares		grant date fair
					value				value
	Beginning of period			83,290	$	10.99		60,390	$	10.33
	Issued			—		—		—		—
	Forfeited			—		—		—		—
	Vested			19,800	$	10.3		19,800	$	10.3
	Outstanding at September 30, 2014			63,490	$	12.91		40,590	$	10.35

	The compensation expense on non-vested stock awards recognized for the three and nine months ended September 30, 2014 was $81 thousand and $244 thousand, respectively, as compared to $51 thousand and $153 thousand for the three and nine months ended September 30, 2013, respectively.

	As of September 30, 2014, there was $672 thousand of total unrecognized compensation costs related to non-vested stock awards. That cost is expected to be recognized over a weighted average period of 3.7 years.

INCOME_TAXES

INCOME TAXES	9 Months Ended
	Sep. 30, 2014
Income Tax Disclosure [Abstract]	'
Income Tax Disclosure [Text Block]	'
	7	INCOME TAXES

	Income tax expense was $2.6 million for an effective tax rate of 35.7% for the nine months ended September 30, 2014 compared to $2.1 million for an effective tax rate of 35.0% for the same period in 2013.

	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, 2014 and December 31, 2013, 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, 2014, the tax years ended December 31, 2011 through 2013 were subject to examination by the Internal Revenue Service, while the tax years ended December 31, 2010 through 2013 were subject to New Jersey examination.

STOCKHOLDERS_EQUITY

STOCKHOLDERS' EQUITY	9 Months Ended
STOCKHOLDERS' EQUITY	Sep. 30, 2014
Equity [Abstract]	'
Stockholders Equity Note Disclosure [Text Block]	'
	8	STOCKHOLDERS’ EQUITY

	During the third quarter of 2014, the Board of Directors of the Company declared a cash dividend of $0.06 per share, which was paid on August 22, 2014 to stockholders of record as of the close of business on August 1, 2014.

	On August 5, 2014, the Company announced that its Board of Directors authorized a stock repurchase program under which the Company will repurchase up to 135,000 shares of the Company’s outstanding common stock, or approximately 2% of outstanding shares.

	The Company repurchased a total of 292,218 and 439,218 shares at a weighted average cost of $14.83 and $14.54 per share for the three and nine months ended September 30, 2014, respectively.

	No reclassification adjustments were recognized in Accumulated Other Comprehensive Income during the three and nine months ended September 30, 3013. Reclassification adjustments recognized in Accumulated Other Comprehensive Income during the three and nine months ended September 30, 2014 are as follows:

			For the Three and Nine Months Ended September 30, 2014
					Three months change						Nine months change
			Pre-tax		Tax		After-tax		Pre-tax		Tax		After-tax
			(Dollars in thousands)
	Unrealized holding loss on securities available for sale during the period		$	-2,764	$	1,072	$	-1,692	$	-2,764	$	1,072	$	-1,692
	Reclassification adjustment for net gains included in net income⁽¹⁾			86		-30		56		86		-30		56
	Net unrealized loss on securities available for sale		$	-2,678	$	1,042	$	-1,636	$	-2,678	$	1,042	$	-1,636

	(1) All amounts are included in non-interest income in the unaudited condensed consolidated statements of operations.

	A summary of the changes in components of Accumulated Other Comprehensive Income for the three and nine months ended September 30, 2014 and 2013 are presented below:

			Unrealized		Loss on Post		Accumulated
			(Loss) on		Retirement		Other
			Available for		Life Benefit		Comprehensive
			Sale Securities				Loss
			(Dollars in thousands)
	Three month period comparison
	Beginning balance - 07/01/2014		$	-1,434	$	-9	$	-1,443
	Current period change			-326		1		-325
	Tax benefit			124		—		124
	Ending balance – 09/30/2014		$	-1,636	$	-8	$	-1,644

	Beginning balance – 07/01/2013		$	-1,822	$	-186	$	-2,008
	Current period change			-411		8		-403
	Tax benefit			191		—		191
	Ending balance – 09/30/2013		$	-2,042	$	-178	$	-2,220

	Nine month period comparison
	Beginning balance - 01/01/2014		$	-2,657	$	-10	$	-2,667
	Current period change			1,709		2		1,711
	Tax benefit			-688		—		-688
	Ending balance – 09/30/2014		$	-1,636	$	-8	$	-1,644

	Beginning balance – 01/01/2013		$	104	$	-148	$	-44
	Current period change			-3,586		-31		-3,617
	Tax benefit			1,440		—		1,440
	Ending balance – 09/30/2013		$	-2,042	$	-178	$	-2,220

FAIR_VALUE_MEASUREMENTS

FAIR VALUE MEASUREMENTS	9 Months Ended
FAIR VALUE MEASUREMENTS	Sep. 30, 2014
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.

	The following tables presents assets that are measured at fair value on a recurring basis by major product category and fair value hierarchy as of September 30, 2014 and December 31, 2013:

			Category Used for Fair Value Measurement
	September 30, 2014		Level 1			Level 2			Level 3
			(Dollars in thousands)
	Assets:
	Securities available for sale:
	U.S. government sponsored entity mortgage-backed securities		$	-		$	83,150		$	-
	U.S. Treasury and federal agencies
	State and municipal obligations			-			20,509			-
	Corporate securities			-			10,008			-
	Equity securities			28			-			-
	Totals		$	28		$	113,667		$	-

			Category Used for Fair Value Measurement
	December 31, 2013		Level 1			Level 2			Level 3
			(Dollars in thousands)
	Assets:
	Securities available for sale:
	U.S. government sponsored entity mortgage-backed securities		$	-		$	81,659		$	-
	U.S. Treasury and federal agencies
	State and municipal obligations			-			32,903			-
	Corporate securities			-			10,797			-
	Equity securities			30			-			-
	Totals		$	30		$	125,359		$	-

	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		Total			Level 1			Level 2			Level 3		Losses
			(Dollars in thousands)
	30-Sep-14
	Assets:
	Impaired loans		$	5,609		$	—		$	2,459		$	3,150	$	-441
	Real estate owned			248			—			248			—		-55

	30-Sep-13
	Assets:
	Impaired loans		$	3,111		$	—		$	2,958		$	153	$	-97
	Real estate owned			525			—			525			—		-143

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. These adjustments are based upon observable inputs, and therefore, the fair value measurement has been categorized as a level 2 measurement. 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, 2014 were $5.6 million. Such loans were carried at the value of $6.1 million immediately prior to remeasurement, resulting in the recognition of impairment through earnings in the amount of $441 thousand. 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.


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. These adjustments are based upon observable inputs, and therefore, the fair value measurement has been categorized as a Level 2 measurement. 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 real estate owned remeasured at fair value for the nine months ended September 30, 2014 was $248 thousand. These properties were carried at a value of $303 thousand immediately prior to remeasurement, resulting in $55 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 $688 thousand immediately prior to remeasurement, resulting in $143 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, 2014		Carrying Amount			Level 1			Level 2			Level 3
		(Dollars in thousands)
Assets:
Cash and cash equivalents		$	93,116		$	93,116		$	-		$	-
Investment securities:
Held to maturity			1,232			-			1,310			-
Available for sale			113,695			28			113,667			-
Loans receivable, net			773,796			-			780,721			-
Federal Home Loan Bank stock			6,039			-			6,039			-

Liabilities:
NOW and other demand deposit accounts			455,292			-			470,754			-
Passbook savings and club accounts			170,203			-			178,456			-
Certificates			179,057			-			179,350			-
Advances from Federal Home Loan Bank			110,000			-			118,251			-
Junior subordinated debenture			7,217			-			7,217			-

					Category Used For Fair Value
December 31, 2013		Carrying Amount			Level 1			Level 2			Level 3
		(Dollars in thousands)
Assets:
Cash and cash equivalents		$	87,619		$	87,619		$	-		$	-
Investment securities:
Held to maturity			3,312			-			3,402			-
Available for sale			125,389			30			125,359			-
Loans receivable, net			744,802			-			744,333			-
Federal Home Loan Bank stock			6,320			-			6,320			-

Liabilities:
NOW and other demand deposit accounts			419,608			-			436,163			-
Passbook savings and club accounts			170,661			-			178,939			-
Certificates			190,379			-			189,821			-
Advances from Federal Home Loan Bank			110,000			-			118,787			-
Junior subordinated debenture			10,309			-			9,278			-

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, 2014. 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.

Commitments to Extend Credit and Letters of Credit—The majority of the Bank’s commitments to extend credit and letters of credit carry current market interest rates if converted to loans. Because commitments to extend credit and letters of credit are generally unassignable by either the Bank or the borrower, they only have value to the Bank and the borrower. The estimated fair value approximates the recorded deferred fee amounts, which are not significant.

The fair value estimates presented herein are based on pertinent information available to management as of September 30, 2014 and December 31, 2013. 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, 2014 and December 31, 2013, 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, 2014
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, 2014 as compared to $4.6 million at December 31, 2013. The Company completed its annual goodwill impairment test as of August 1, 2014 and concluded that goodwill was not impaired. At September 30, 2014, no triggering events have occurred from the date of the impairment test that would have impaired goodwill.

	The core deposit intangible totaled $567 thousand at September 30, 2014 as compared to $625 thousand at December 31, 2013. 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
REAL ESTATE OWNED	Sep. 30, 2014
Real Estate [Abstract]	'
Real Estate Disclosure [Text Block]	'
	11	REAL ESTATE OWNED

	Summary of Real Estate Owned (“REO”):

			2014						2013
			Residential		Commercial				Residential		Commercial
			Property		Property		Total		Property		Property		Total
			(Dollars in thousands)						(Dollars in thousands)
	Balance, January 1,		$	295	$	203	$	498	$	412	$	494	$	906
	Transfers into Real Estate Owned			460		–		460		438		528		966
	Sales of Real Estate Owned			-410		-161		-571		-610		-353		-963
	Balance, September 30,		$	345	$	42	$	387	$	240	$	669	$	909

JUNIOR_SUBORDINATED_DEBENTURES

JUNIOR SUBORDINATED DEBENTURES	9 Months Ended
	Sep. 30, 2014
Subordinated Borrowings [Abstract]	'
Subordinated Borrowings Disclosure [Text Block]	'
	12	JUNIOR SUBORDINATED DEBENTURES

	On September 5, 2014, the Company redeemed $3.1 million principal amount of its 8.67% Capital Securities issued by Ocean Shore Capital Trust I, a wholly-owned subsidiary of the Company. The Company paid a redemption premium of $54 thousand. As a result, other borrowings decreased $3.1 million to $7.2 million at September 30, 2014 from $10.3 million at December 31, 2013.

SUMMARY_OF_SIGNIFICANT_ACCOUNT1

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies)	9 Months Ended
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies)	Sep. 30, 2014
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, 2013. The results for the nine months ended September 30, 2014 are not necessarily indicative of the results that may be expected for the fiscal year ending December 31, 2014 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 GAAP 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, other-than-temporary impairment on investment securities, goodwill and intangible impairment, deferred income taxes and the fair value measurements of financial instruments. Actual results could differ from those estimates under different assumptions and conditions, and the differences may be material to the consolidated financial statements.

New Accounting Pronouncements Policy [Policy Text Block]	'
	New Accounting Pronouncements –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 adoption of this accounting guidance did not have a material impact on the Company’s consolidated financial statements.

	In January 2014, the FASB issued ASU 2014-04, Receivables — Troubled Debt Restructurings by Creditors (Subtopic 310-40): Reclassification of Residential Real Estate Collateralized Consumer Mortgage Loans Upon Foreclosure — a consensus of the FASB Emerging Issues Task Force, on January 17, 2014. This ASU clarifies when a creditor should be considered to have received physical possession of residential real estate property collateralizing a consumer mortgage loan such that the loan receivable should be derecognized and the real estate property recognized. The amended guidance clarifies that an in substance repossession or foreclosure occurs, and a creditor is considered to have received physical possession of residential real estate property collateralizing a consumer mortgage loan, upon either (1) the creditor obtaining legal title to the residential real estate property upon completion of a foreclosure or (2) the borrower conveying all interest in the residential real estate property to the creditor to satisfy that loan through completion of a deed in lieu of foreclosure or through a similar legal agreement. In addition, the amended guidance requires interim and annual disclosures of both (1) the amount of foreclosed residential real estate property held by the creditor and (2) the recorded investment in consumer mortgage loans collateralized by residential real estate property that are in the process of foreclosure according to local requirements of the applicable jurisdiction. The amended guidance may be applied prospectively or through a modified retrospective approach and is effective for fiscal years, and interim periods within those years, beginning after December 15, 2014, with early adoption permitted. The adoption of the amended guidance is currently being evaluated by the Company, but is not expected to have a significant impact on the Company’s consolidated financial statements.

	In May 2014, the FASB issued ASU 2014-09, which created ASC 606 "Revenue from Contracts with Customers," superseding the revenue recognition requirements in ASC 605. This ASU requires an entity to recognize revenue for the transfer of promised goods or services to customers in an amount that reflects the consideration to which the entity expects to be entitled in exchange for those goods or services. The amendment includes a five-step process to assist an entity in achieving the main principle(s) of revenue recognition under ASC 605. The amendment will be effective for the Company for the first annual period ending after December 15, 2016, including interim periods within that reporting period, and should be applied on a prospective basis. Early adoption of the guidance is not permitted. The Company is currently evaluating the impact of this ASU on its financial position, results of operations and disclosures.

	In June 2014, the FASB issued ASU 2014-11, an amendment to ASC 860 “Transfers and Servicing.” This ASU requires accounting changes for repurchase to maturity and repurchase financing transactions, respectively, which will be accounted for as a secured borrowing agreement on a prospective basis. The ASU also adds additional disclosure requirements related to these transactions. The amendment will be effective for the Company for the first annual period ending after December 15, 2014. The accounting changes for all transactions affected by this amendment will have the impact recorded as a cumulative-effect adjustment to retained earnings on the date of adoption. The Company has completed its evaluation and concluded that there is no current impact of this ASU on its financial position, results of operations and disclosures.

	Also in June 2014, the FASB issued ASU 2014-12, an amendment to ASC 718 “Compensation-Stock Compensation.” This ASU requires that a performance target that affects vesting, and could be achieved after the requisite service period, be treated as a performance condition. Application of existing guidance in ASC 718, as it relates to awards with performance conditions that affect vesting, should continue to be used to account for such awards. The amendment will be effective for the Company for the first reporting period ending after December 15, 2014. Early adoption is permitted. The Company is currently evaluating the impact of this ASU on its financial position, results of operations and disclosures.

	In August 2014, the FASB issued ASU 2014-14, an amendment to ASC 310-40 “Receivables - Troubled Debt Restructurings by Creditors.” This ASU requires that a government-guaranteed mortgage loan be de-recognized, and that a separate other receivable be recognized, upon foreclosure if the three criteria identified in the ASU are met. Upon foreclosure and meeting the three criteria, the separate other receivable should be measured based on the amount of the loan balance (principal and interest) that is expected to be recovered from the guarantor. The amendment will be effective for the Company for the first reporting period ending after December 15, 2014. Adoption of the amendment by the Company can be either on a prospective or modified retrospective basis. For the prospective basis, the amendment would be applied to foreclosures occurring after the effective date of the amendment. For the modified retrospective basis, the Company would book a cumulative-effect adjustment (reclassification to other receivables as stated in the amendment) as of the beginning of the annual period of adoption. Prior periods should not be adjusted. The Company is currently evaluating the impact of this ASU on its financial position, results of operations and disclosures.

	In August 2014, the FASB also issued ASU 2014-15, Disclosure of Uncertainties about an Entity’s Ability to Continue as a Going Concern. This ASU requires management to perform an assessment of going concern and provides specific guidance on when and how to assess or disclose going concern uncertainties. The new standard also defines terms used in the evaluation of going concern, such as "substantial doubt." Following application, the Company will be required to perform assessments at each annual and interim period, provide an assessment period of one year from the issuance date, and make disclosures in certain circumstances in which substantial doubt is identified. The amendment will be effective for the Company for the first reporting period ending after December 15, 2016. Earlier application is permitted. The Company does not expect this ASU to have an impact on its financial position, result of operations, or disclosures.

INVESTMENT_SECURITIES_Tables

INVESTMENT SECURITIES (Tables)	9 Months Ended
INVESTMENT SECURITIES (Tables)	Sep. 30, 2014
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:

		September 30, 2014
				Gross		Gross		Estimated
		Amortized		Unrealized		Unrealized		Fair
		Cost		Gain		Loss		Value
		(Dollars in thousands)
	Held to Maturity
	Debt Securities - Municipal	$	494	$	-	$	-	$	494
	U.S. Treasury and government sponsored entity mortgage-backed securities		738		78		-		816
	Totals	$	1,232	$	78	$	-	$	1,310

	Available for Sale
	Debt securities:
	Corporate	$	21,034	$	5	$	-530	$	20,509
	U.S. Treasury and federal agencies		10,586		127		-705		10,008
	Equity securities		3		25		-		28
	U.S. treasury and government sponsored entity mortgage-backed securities		84,750		270		-1,870		83,150
	Totals	$	116,373	$	427	$	-3,105	$	113,695

		December 31, 2013
				Gross		Gross		Estimated
		Amortized		Unrealized		Unrealized		Fair
		Cost		Gain		Loss		Value
		(Dollars in thousands)
	Held to Maturity
	Debt Securities - Municipal	$	2,328	$	-	$	-	$	2,328
	U.S. Treasury and government sponsored entity mortgage-backed securities		984		90		-		1,074
	Totals	$	3,312	$	90	$	-	$	3,402

	Available for Sale
	Debt securities:
	Corporate	$	11,551	$	155	$	-909	$	10,797
	U.S. Treasury and federal agencies		35,035		-		-2,132		32,903
	Equity securities		3		27		-		30
	U.S. Treasury and government sponsored entity mortgage-backed securities		83,187		392		-1,920		81,659
	Totals	$	129,776	$	574	$	-4,961	$	125,389

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, 2014 and December 31, 2013:

		September 30, 2014
		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	$	34	$	-	$	15,471	$	-530	$	15,505	$	-530
	Corporate		-		-		3,983		-705		3,983		-705
	U.S. treasury and government sponsored entity mortgage- backed securities		14,996		-51		64,147		-1,819		79,143		-1,870
	Totals	$	15,030	$	-51	$	83,601	$	-3,054	$	98,631	$	-3,105

		December 31, 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. Treasury	$	27,221	$	-1,814	$	5,682	$	-318	$	32,903	$	-2,132
	Corporate		-		-		3,796		-909		3,796		-909
	U.S. treasury and government sponsored entity mortgage- backed securities		74,803		-1,917		474		-3		75,277		-1,920
	Totals	$	102,024	$	-3,731	$	9,952	$	-1,230	$	111,976	$	-4,961

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, 2014 by contractual maturity are shown below. 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.

		September 30, 2014
		Held to Maturity				Available for Sale Securities
		Amortized		Estimated		Amortized		Estimated
		Cost		Fair Value		Cost		Fair Value
		(Dollars in thousands)
	Due within 1 year	$	494	$	494	$	-	$	-
	Due after 1 year through 5 years		-		-		5,933		6,060
	Due after 5 years through 10 years		-		-		5,000		5,004
	Due after 10 years		-		-		20,688		19,453
	Total	$	494	$	494	$	31,621	$	30,517

Schedule of Realized Gain (Loss) [Table Text Block]	'
	Proceeds from sales of investment securities and the realized gross gains and losses from those sales are as follows:

		Three-Month Period				Nine-Month Period
		Ended September 30,				Ended September 30,
		2014		2013		2014		2013
		(Dollars in thousands)
	Proceeds from the sales of available-for-sale securities	$	1,290	$	—	$	1,290	$	—

	Gross realized gains		86		—		86		—
	Total realized gains	$	86	$	—	$	86	$	—

LOANS_RECEIVABLE_NET_Tables

LOANS RECEIVABLE- NET (Tables)	9 Months Ended
LOANS RECEIVABLE- NET (Tables)	Sep. 30, 2014
Receivables [Abstract]	'
Loans Receivable [Table Text Block]	'
	Loans receivable consist of the following:

		September 30, 2014		December 31, 2013
		(Dollars in thousands)
	Real estate - mortgage:
	One-to-four family residential	$	582,390	$	545,812
	Commercial and multi-family		91,287		90,855
	Total real estate-mortgage		673,677		636,667
	Real estate - construction:
	Residential		20,406		25,113
	Commercial		2,542		2,510
	Total real estate - construction		22,948		27,623
	Commercial		20,641		23,445
	Consumer:
	Home equity		56,671		57,367
	Other consumer loans		386		628
	Total consumer loans		57,057		57,995
	Total loans		774,323		745,730
	Net deferred loan cost		3,502		3,271
	Allowance for loan losses		-4,029		-4,199
	Net total loans	$	773,796	$	744,802

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,
		2014		2013
		(Dollars in thousands)
	Balance, beginning of period	$	4,199	$	3,997
	Provision for loan loss		263		580
	Charge-offs		-509		-379
	Recoveries		76		13
	Balance, end of period	$	4,029	$	4,211

Schedule of Financing Receivables, Non Accrual Status [Table Text Block]	'
	Non-performing assets segregated by classification are as follows:

		September 30, 2014		December 31, 2013
		(Dollars in thousands)
	Real estate
	One-to-four family residential	$	4,089	$	3,618
	Commercial and multi-family		1,336		463
	Commercial		501		-
	Consumer		944		674
	Non-accrual loans		6,870		4,755
	Troubled debt restructuring, non-accrual		630		316
	Total non-performing loans		7,500		5,071
	Real estate owned		387		498
	Total non-performing assets	$	7,887	$	5,569

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, 2014 and 2013:

		Contractual		Nonaccretable		Accretable		Carrying
		Receivable		(Yield)/Premium		(Yield)/Premium		Amount
		Amount
		(Dollars in thousands)
	Balance at January 1, 2014	$	50,837	$	-3,099	$	746	$	48,484
	Principal reductions		-4,675		—		—		-4,675
	Charge-offs, net		-439		439		—		—
	Amortization of loan premium		—		—		-153		-153
	Balance at September 30, 2014	$	45,723	$	-2,660	$	593	$	43,656

	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
	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, 2014 and December 31, 2013 are as follows:

		30-59 Days		60-89 Days		Greater		Total Past		Current		Total Loans
		Past Due		Past Due		Than 90		Due				Receivable
						Days
		(Dollars in thousands)
	30-Sep-14
	Real Estate
	1-4 Family Residential	$	1,603	$	-	$	4,720	$	6,323	$	576,067	$	582,390
	Commercial and Multi-Family		-		-		1,335		1,335		89,952		91,287
	Construction		-		-		-		-		22,948		22,948
	Commercial		-		-		501		501		20,140		20,641
	Consumer		412		102		944		1,458		55,599		57,057
	Total	$	2,015	$	102	$	7,500	$	9,617	$	764,706	$	774,323

	31-Dec-13
	Real Estate
	1-4 Family Residential	$	1,271	$	-	$	3,427	$	4,698	$	541,114	$	545,812
	Commercial and Multi-Family		-		-		763		763		90,092		90,855
	Construction		-		-		-		-		27,623		27,623
	Commercial		-		-		-		-		23,445		23,445
	Consumer		266		50		647		963		57,032		57,995
	Total	$	1,537	$	50	$	4,837	$	6,424	$	739,306	$	745,730

Impaired Financing Receivables [Table Text Block]	'
	Impaired loans are set forth 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-14
	With no related allowance recorded
	Real Estate
	1-4 Family Residential	$	4,722	$	4,759	$	-	$	163
	Commercial and Multi-Family		1,335		1,335		-		267
	Construction		-		-		-		-
	Commercial		-		-		-		-
	Consumer		945		945		-		67
	With an allowance recorded
	Real Estate
	1-4 Family Residential		5,121		5,510		487		366
	Commercial and Multi-Family		-		-		-		-
	Construction		-		-		-		-
	Commercial		707		707		64		353
	Consumer		530		542		199		106
	Total
	Real Estate
	1-4 Family Residential		9,843		10,269		487		229
	Commercial and Multi-Family		1,335		1,335		-		267
	Construction		-		-		-		-
	Commercial		707		707		64		353
	Consumer		1,425		1,487		199		78

	31-Dec-13
	With no related allowance recorded
	Real Estate
	1-4 Family Residential	$	2,707	$	2,744	$	-	$	193
	Commercial and Multi-Family		465		463		-		463
	Construction		-		-		-		-
	Commercial		-		-		-		-
	Consumer		674		674		-		61
	With an allowance recorded
	Real Estate
	1-4 Family Residential		3,127		3,166		396		284
	Commercial and Multi-Family		-		-		-		-
	Construction		-		-		-		-
	Commercial		-		-		-		-
	Consumer		121		121		21		121
	Total
	Real Estate
	1-4 Family Residential		5,834		5,910		396		233
	Commercial and Multi-Family		465		463		-		463
	Construction		-		-		-		-
	Commercial		-		-		-		-
	Consumer		795		795		21		66

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, 2014 and December 31, 2013, respectively.

		As of September 30, 2014						As of December 31, 2013
				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		7	$	3,003	$	3,003		6	$	2,216	$	2,216
	Consumer		4		290		290		1		121		121
	Commercial		1		206		206		–		–		–
	Total		12	$	3,499	$	3,499		7	$	2,337	$	2,337

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, 2014 and December 31, 2013.

		Real Estate
		1-4 Family				Commercial				Construction				Commercial				Consumer
		Residential				and Multi-Family				Construction				Commercial				Consumer
		9/30/14		12/31/13		9/30/14		12/31/13		9/30/14		12/31/13		9/30/14		12/31/13		9/30/14		12/31/13

		(Dollars in thousands)
	Grade:
	Special Mention	$	3,971	$	3,692	$	-	$	629	$	-	$	-	$	1,031	$	90	$	954	$	1,040
	Substandard		9,367		7,612		781		3,645		-		-		3,677		665		1,649		900
	Doubtful and Loss		-		-		-		-		-		-		-		-		14		-
	Total	$	13,338	$	11,304	$	781	$	4,274	$	-	$	-	$	4,708	$	755	$	2,617	$	1,940

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, 2014 and December 31, 2013.

		Real Estate
		1-4 Family				Commercial				Construction				Commercial				Consumer
		Residential				and Multi-Family				Construction				Commercial				Consumer
		9/30/14		12/31/13		9/30/14		12/31/13		9/30/14		12/31/13		9/30/14		12/31/13		9/30/14		12/31/13
		(Dollars in thousands)
	Performing	$	577,671	$	541,878	$	89,951	$	90,392	$	22,948	$	27,623	$	20,140	$	23,445	$	56,113	$	57,321
	Non-Performing		4,719		3,934		1,336		463		-		-		501		-		944		674
	Total	$	582,390	$	545,812	$	91,287	$	90,855	$	22,948	$	27,623	$	20,641	$	23,445	$	57,057	$	57,995

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, 2014 and December 31, 2013. 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-14
	Allowance for credit losses:
	Beginning Balance	$	2,981	$	551	$	85	$	230	$	352	$	4,199
	Charge-offs		-463		-		-		-		-46		-509
	Recoveries		1		-		-		75		-		76
	Provision for loan losses		118		80		-34		-91		190		263
	Ending balance	$	2,637	$	631	$	51	$	214	$	496		4,029
	Ending balance: individually evaluated for impairment	$	487	$	-	$	-	$	64	$	199		750
	Ending balance: collectively evaluated for impairment	$	2,150	$	631	$	51	$	150	$	297		3,279
	Loan Receivables:
	Ending balance	$	582,390	$	91,287	$	22,948	$	20,641	$	57,057	$	774,323
	Ending balance: individually evaluated for impairment	$	9,843	$	1,335	$	-	$	707	$	1,475	$	13,360
	Ending balance: collectively evaluated for impairment	$	572,547	$	89,952	$	22,948	$	19,934	$	55,582	$	760,963

	31-Dec-13
	Allowance for credit losses:
	Beginning Balance	$	2,585	$	509	$	187	$	286	$	430	$	3,997
	Charge-offs		-393		-79		-		-75		-20		-567
	Recoveries		-		-		-		-		12		12
	Provision for loan losses		789		121		-102		19		-70		757
	Ending balance	$	2,981	$	551	$	85	$	230	$	352		4,199
	Ending balance: individually evaluated for impairment	$	396	$	-	$	-	$	-	$	21		417
	Ending balance: collectively evaluated for impairment	$	2,585	$	551	$	85	$	230	$	331		3,782
	Loan Receivables:
	Ending balance	$	545,812	$	90,855	$	27,623	$	23,445	$	57,995	$	745,730
	Ending balance: individually evaluated for impairment	$	5,559	$	-	$	-	$	463	$	795	$	6,817
	Ending balance: collectively evaluated for impairment	$	540,253	$	90,855	$	27,623	$	22,982	$	57,200	$	738,913

DEPOSITS_Tables

DEPOSITS (Tables)	9 Months Ended
DEPOSITS (Tables)	Sep. 30, 2014
Banking and Thrift [Abstract]	'
Deposit Liabilities Disclosure [Table Text Block]	'
	Deposits consist of the following major classifications:

		September 30, 2014					December 31, 2013
				Weighted					Weighted
				Average					Average
		Amount		Interest Rate			Amount		Interest Rate
		(Dollars in thousands)
	NOW and other demand deposit accounts	$	455,292		0.13	%	$	419,608		0.12	%
	Passbook savings and club accounts		170,203		0.2	%		170,660		0.2	%
	Subtotal		625,495					590,268
	Certificates with original maturities:
	Within one year		48,412		0.31	%		68,941		0.41	%
	One to three years		107,603		0.9	%		95,397		1.39	%
	Three years and beyond		23,042		1.83	%		26,041		2.56	%
	Total certificates		179,057					190,379
	Total	$	804,552				$	780,647

EARNINGS_PER_SHARE_Tables

EARNINGS PER SHARE (Tables)	9 Months Ended
EARNINGS PER SHARE (Tables)	Sep. 30, 2014
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,
		2014		2013		2014		2013
		(Dollars in thousands, except per share data)
	Numerator – Net Income	$	1,580	$	1,324	$	4,700	$	3,863
	Denominators:
	Basic average shares outstanding		6,226,913		6,533,760		6,333,123		6,514,699
	Effect of dilutive common stock equivalents		134,943		111,658		136,334		119,055
	Diluted average shares outstanding		6,361,856		6,645,418		6,469,457		6,633,754

	Earnings per share:
	Basic	$	0.25	$	0.2	$	0.74	$	0.59
	Diluted	$	0.25	$	0.2	$	0.73	$	0.58

STOCKBASED_COMPENSATION_Tables

STOCK-BASED COMPENSATION (Tables)	9 Months Ended
STOCK-BASED COMPENSATION (Tables)	Sep. 30, 2014
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, 2014 and 2013 and changes during the nine months ended September 30, 2014 and 2013 are presented below:

		Nine Months Ended				Nine Months Ended
		September 30, 2014				September 30, 2013
		Number		Weighted		Number		Weighted
		of shares		average		of shares		average
				exercise price				exercise price
	Outstanding at the beginning of the period		680,200	$	12.14		649,313	$	11.9
	Granted		—		—		—		—
	Exercised		5,809	$	11.49		34,013	$	12.38
	Forfeited		—		—		—		—
	Outstanding at the end of the period		674,391	$	12.15		615,300	$	11.92
	Exercisable at the end of the period		524,462	$	12.06		468,986	$	12.23
	Stock options vested or expected to vest (1)		606,952	$	12.15		553,770	$	11.92

	(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, 2014:

		Options Outstanding
	Date Issued	Number of		Weighted Average		Weighted Average
		Shares		Exercise Price		Remaining
						Contractual Life
	10-Aug-05		269,511	$	13.19	0.9 years
	21-Nov-06		17,586	$	14.78	2.2 years
	20-Nov-07		18,448	$	11.32	3.2 years
	18-Aug-10		221,948	$	10.21	5.9 years
	15-Mar-11		13,600	$	12.06	6.5 years
	17-Aug-11		49,498	$	11.53	6.9 years
	19-Nov-12		17,500	$	13.1	8.2 years
	19-Nov-13		66,300	$	14.14	9.1 years
	Total		674,391	$	12.15	4.2 years

Schedule of Nonvested Share Activity [Table Text Block]	'
	Summary of Non-vested Stock Award Activity:

		Nine Months ended				Nine Months ended
		September 30, 2014				September 30, 2013
		Number of		Weighted avg		Number of		Weighted avg
		shares		grant date fair		shares		grant date fair
				value				value
	Beginning of period		83,290	$	10.99		60,390	$	10.33
	Issued		—		—		—		—
	Forfeited		—		—		—		—
	Vested		19,800	$	10.3		19,800	$	10.3
	Outstanding at September 30, 2014		63,490	$	12.91		40,590	$	10.35

STOCKHOLDERS_EQUITY_Tables

STOCKHOLDERS' EQUITY (Tables)	9 Months Ended
STOCKHOLDERS' EQUITY (Tables)	Sep. 30, 2014
Equity [Abstract]	'
Schedule Of Reclassification Adjustments Recognized In Accumulated Other Comprehensive Income [Table Text Block]	'
	Reclassification adjustments recognized in Accumulated Other Comprehensive Income during the three and nine months ended September 30, 2014 are as follows:

		For the Three and Nine Months Ended September 30, 2014
				Three months change						Nine months change
		Pre-tax		Tax		After-tax		Pre-tax		Tax		After-tax
		(Dollars in thousands)
	Unrealized holding loss on securities available for sale during the period	$	-2,764	$	1,072	$	-1,692	$	-2,764	$	1,072	$	-1,692
	Reclassification adjustment for net gains included in net income⁽¹⁾		86		-30		56		86		-30		56
	Net unrealized loss on securities available for sale	$	-2,678	$	1,042	$	-1,636	$	-2,678	$	1,042	$	-1,636

	(1) All amounts are included in non-interest income in the unaudited condensed consolidated statements of operations.

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, 2014 and 2013 are presented below:

		Unrealized		Loss on Post		Accumulated
		(Loss) on		Retirement		Other
		Available for		Life Benefit		Comprehensive
		Sale Securities				Loss
		(Dollars in thousands)
	Three month period comparison
	Beginning balance - 07/01/2014	$	-1,434	$	-9	$	-1,443
	Current period change		-326		1		-325
	Tax benefit		124		—		124
	Ending balance – 09/30/2014	$	-1,636	$	-8	$	-1,644

	Beginning balance – 07/01/2013	$	-1,822	$	-186	$	-2,008
	Current period change		-411		8		-403
	Tax benefit		191		—		191
	Ending balance – 09/30/2013	$	-2,042	$	-178	$	-2,220

	Nine month period comparison
	Beginning balance - 01/01/2014	$	-2,657	$	-10	$	-2,667
	Current period change		1,709		2		1,711
	Tax benefit		-688		—		-688
	Ending balance – 09/30/2014	$	-1,636	$	-8	$	-1,644

	Beginning balance – 01/01/2013	$	104	$	-148	$	-44
	Current period change		-3,586		-31		-3,617
	Tax benefit		1,440		—		1,440
	Ending balance – 09/30/2013	$	-2,042	$	-178	$	-2,220

FAIR_VALUE_MEASUREMENTS_Tables

FAIR VALUE MEASUREMENTS (Tables)	9 Months Ended
FAIR VALUE MEASUREMENTS (Tables)	Sep. 30, 2014
Fair Value Disclosures [Abstract]	'
Fair Value, Assets Measured on Recurring Basis [Table Text Block]	'
	The following tables presents assets that are measured at fair value on a recurring basis by major product category and fair value hierarchy as of September 30, 2014 and December 31, 2013:

		Category Used for Fair Value Measurement
	September 30, 2014	Level 1		Level 2		Level 3
		(Dollars in thousands)
	Assets:
	Securities available for sale:
	U.S. government sponsored entity mortgage-backed securities	$	-	$	83,150	$	-
	U.S. Treasury and federal agencies
	State and municipal obligations		-		20,509		-
	Corporate securities		-		10,008		-
	Equity securities		28		-		-
	Totals	$	28	$	113,667	$	-

		Category Used for Fair Value Measurement
	December 31, 2013	Level 1		Level 2		Level 3
		(Dollars in thousands)
	Assets:
	Securities available for sale:
	U.S. government sponsored entity mortgage-backed securities	$	-	$	81,659	$	-
	U.S. Treasury and federal agencies
	State and municipal obligations		-		32,903		-
	Corporate securities		-		10,797		-
	Equity securities		30		-		-
	Totals	$	30	$	125,359	$	-

Fair Value, Assets Measured on Recurring and Nonrecurring Basis [Table Text Block]	'
	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	Total		Level 1		Level 2		Level 3		Losses
		(Dollars in thousands)
	30-Sep-14
	Assets:
	Impaired loans	$	5,609	$	—	$	2,459	$	3,150	$	-441
	Real estate owned		248		—		248		—		-55

	30-Sep-13
	Assets:
	Impaired loans	$	3,111	$	—	$	2,958	$	153	$	-97
	Real estate owned		525		—		525		—		-143

Fair Value, by Balance Sheet Grouping [Table Text Block]	'
	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, 2014	Carrying Amount		Level 1		Level 2		Level 3
		(Dollars in thousands)
	Assets:
	Cash and cash equivalents	$	93,116	$	93,116	$	-	$	-
	Investment securities:
	Held to maturity		1,232		-		1,310		-
	Available for sale		113,695		28		113,667		-
	Loans receivable, net		773,796		-		780,721		-
	Federal Home Loan Bank stock		6,039		-		6,039		-

	Liabilities:
	NOW and other demand deposit accounts		455,292		-		470,754		-
	Passbook savings and club accounts		170,203		-		178,456		-
	Certificates		179,057		-		179,350		-
	Advances from Federal Home Loan Bank		110,000		-		118,251		-
	Junior subordinated debenture		7,217		-		7,217		-

				Category Used For Fair Value
	December 31, 2013	Carrying Amount		Level 1		Level 2		Level 3
		(Dollars in thousands)
	Assets:
	Cash and cash equivalents	$	87,619	$	87,619	$	-	$	-
	Investment securities:
	Held to maturity		3,312		-		3,402		-
	Available for sale		125,389		30		125,359		-
	Loans receivable, net		744,802		-		744,333		-
	Federal Home Loan Bank stock		6,320		-		6,320		-

	Liabilities:
	NOW and other demand deposit accounts		419,608		-		436,163		-
	Passbook savings and club accounts		170,661		-		178,939		-
	Certificates		190,379		-		189,821		-
	Advances from Federal Home Loan Bank		110,000		-		118,787		-
	Junior subordinated debenture		10,309		-		9,278		-

REAL_ESTATE_OWNED_Tables

REAL ESTATE OWNED (Tables)	9 Months Ended
REAL ESTATE OWNED (Tables)	Sep. 30, 2014
Real Estate [Abstract]	'
Schedule of Real Estate Properties [Table Text Block]	'
	Summary of Real Estate Owned (“REO”):

		2014						2013
		Residential		Commercial				Residential		Commercial
		Property		Property		Total		Property		Property		Total
		(Dollars in thousands)						(Dollars in thousands)
	Balance, January 1,	$	295	$	203	$	498	$	412	$	494	$	906
	Transfers into Real Estate Owned		460		–		460		438		528		966
	Sales of Real Estate Owned		-410		-161		-571		-610		-353		-963
	Balance, September 30,	$	345	$	42	$	387	$	240	$	669	$	909

INVESTMENT_SECURITIES_Details

INVESTMENT SECURITIES (Details) (USD $)	9 Months Ended	12 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2014	Dec. 31, 2013
Held to Maturity	'	'
Held to Maturity, Amortized Cost	$1,232	$3,312
Held to Maturity, Gross Unrealized Gain	78	90
Held to Maturity, Gross Unrealized Loss	0	0
Held to Maturity, Estimated Fair Value	1,310	3,402
Available for Sale	'	'
Available for Sale, Amortized Cost	116,373	129,776
Available for Sale, Gross Unrealized Gain	427	574
Available for Sale, Gross Unrealized Loss	-3,105	-4,961
Available for Sale, Estimated Fair Value	113,695	125,389
US Government Sponsored Entity Mortgage-backed Securities [Member]	'	'
Held to Maturity	'	'
Held to Maturity, Amortized Cost	738	984
Held to Maturity, Gross Unrealized Gain	78	90
Held to Maturity, Gross Unrealized Loss	0	0
Held to Maturity, Estimated Fair Value	816	1,074
Available for Sale	'	'
Available for Sale, Amortized Cost	84,750	83,187
Available for Sale, Gross Unrealized Gain	270	392
Available for Sale, Gross Unrealized Loss	-1,870	-1,920
Available for Sale, Estimated Fair Value	83,150	81,659
Corporate Debt Securities [Member]	'	'
Available for Sale	'	'
Available for Sale, Amortized Cost	21,034	11,551
Available for Sale, Gross Unrealized Gain	5	155
Available for Sale, Gross Unrealized Loss	-530	-909
Available for Sale, Estimated Fair Value	20,509	10,797
U.S. Treasury and federal agencies [Member]	'	'
Available for Sale	'	'
Available for Sale, Amortized Cost	10,586	35,035
Available for Sale, Gross Unrealized Gain	127	0
Available for Sale, Gross Unrealized Loss	-705	-2,132
Available for Sale, Estimated Fair Value	10,008	32,903
Equity Securities [Member]	'	'
Available for Sale	'	'
Available for Sale, Amortized Cost	3	3
Available for Sale, Gross Unrealized Gain	25	27
Available for Sale, Gross Unrealized Loss	0	0
Available for Sale, Estimated Fair Value	28	30
Municipal Bonds [Member]	'	'
Held to Maturity	'	'
Held to Maturity, Amortized Cost	494	2,328
Held to Maturity, Gross Unrealized Gain	0	0
Held to Maturity, Gross Unrealized Loss	0	0
Held to Maturity, Estimated Fair Value	$494	$2,328

INVESTMENT_SECURITIES_Details_

INVESTMENT SECURITIES (Details 1) (USD $)	9 Months Ended	12 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2014	Dec. 31, 2013
Schedule of Available-for-sale Securities [Line Items]	'	'
Less Than 12 Months, Estimated Fair Value	$15,030	$102,024
Less Than 12 Months, Gross Unrealized Loss	-51	-3,731
12 Months or Longer, Estimated Fair Value	83,601	9,952
12 Months or Longer, Gross Unrealized Loss	-3,054	-1,230
Estimated Fair Value, Total	98,631	111,976
Gross Unrealizd Loss, Total	-3,105	-4,961
US Treasury Securities [Member]	'	'
Schedule of Available-for-sale Securities [Line Items]	'	'
Less Than 12 Months, Estimated Fair Value	34	27,221
Less Than 12 Months, Gross Unrealized Loss	0	-1,814
12 Months or Longer, Estimated Fair Value	15,471	5,682
12 Months or Longer, Gross Unrealized Loss	-530	-318
Estimated Fair Value, Total	15,505	32,903
Gross Unrealizd Loss, Total	-530	-2,132
Corporate Debt Securities [Member]	'	'
Schedule of Available-for-sale Securities [Line Items]	'	'
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	3,983	3,796
12 Months or Longer, Gross Unrealized Loss	-705	-909
Estimated Fair Value, Total	3,983	3,796
Gross Unrealizd Loss, Total	-705	-909
US Government Sponsored Entity Mortgage-backed Securities [Member]	'	'
Schedule of Available-for-sale Securities [Line Items]	'	'
Less Than 12 Months, Estimated Fair Value	14,996	74,803
Less Than 12 Months, Gross Unrealized Loss	-51	-1,917
12 Months or Longer, Estimated Fair Value	64,147	474
12 Months or Longer, Gross Unrealized Loss	-1,819	-3
Estimated Fair Value, Total	79,143	75,277
Gross Unrealizd Loss, Total	($1,870)	($1,920)

INVESTMENT_SECURITIES_Details_1

INVESTMENT SECURITIES (Details 2) (USD $)	Sep. 30, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified	Sep. 30, 2014	Dec. 31, 2013
Schedule of Held-to-maturity Securities [Line Items]	'	'
Held to Maturity, Amortized Cost, Due within 1 year	$494	'
Held to Maturity, Estimated Fair Value, Due within 1 year	494	'
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	1,232	3,312
Held to Maturity, Estimated Fair Value, Total	1,310	3,402
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	5,933	'
Available for Sale Securities, Estimated Fair Value, Due after 1 year through 5 years	6,060	'
Available for Sale Securities, Amortized Cost, Due after 5 years through 10 years	5,000	'
Available for Sale Securities, Estimated Fair Value, Due after 5 years through 10 years	5,004	'
Available for Sale Securities, Amortized Cost, Due after 10 years	20,688	'
Available for Sale Securities, Estimated Fair Value, Due after 10 years	19,453	'
Available for Sale Securities, Amortized Cost, Total	31,621	'
Available for Sale Securities, Estimated Fair Value, Total	$30,517	'

INVESTMENT_SECURITIES_Details_2

INVESTMENT SECURITIES (Details 3) (USD $)	3 Months Ended		9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2014	Sep. 30, 2013	Sep. 30, 2014	Sep. 30, 2013
Schedule of Available-for-sale Securities [Line Items]	'	'	'	'
Proceeds from the sales of available-for-sale securities	$1,290	$0	$1,290	$0
Gross realized gains	86	0	86	0
Total realized gains	$86	$0	$86	$0

INVESTMENT_SECURITIES_Details_3

INVESTMENT SECURITIES (Details Textual) (USD $)	3 Months Ended		9 Months Ended
INVESTMENT SECURITIES (Details Textual) (USD $)	Sep. 30, 2014	Sep. 30, 2013	Sep. 30, 2014	Sep. 30, 2013	Dec. 31, 2013
Schedule of Available-for-sale Securities [Line Items]	'	'	'	'	'
Continuous Unrealized Loss, Percentage Amortized Cost	15.00%	'	15.00%	'	'
Available-for-sale Equity Securities, Amortized Cost Basis	$3,000	'	$3,000	'	'
Trading Securities, Fair Value Disclosure	28,000	'	28,000	'	'
Mortgage-backed Securities, Amortized Cost	85,500,000	'	85,500,000	'	'
Mortgage-backed Securities, Fair Value Disclosure	84,000,000	'	84,000,000	'	'
Proceeds from the sales of available-for-sale securities	1,290,000	0	1,290,000	0	'
Available-for-sale Securities Pledged as Collateral	77,500,000	'	77,500,000	'	98,800,000
Gain (Loss) on Sales of Mortgage Backed Securities (MBS)	$84,000	'	$84,000	'	'
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member]	'	'	'	'	'
Schedule of Available-for-sale Securities [Line Items]	'	'	'	'	'
Continuous Unrealized Loss, Percentage Amortized Cost	3.00%	'	3.00%	'	'

LOANS_RECEIVABLENET_Details

LOANS RECEIVABLE-NET (Details) (USD $)	Sep. 30, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified	Sep. 30, 2014	Dec. 31, 2013
Real estate - mortgage:	'	'
Total real estate-mortgage	$673,677	$636,667
Real estate - construction:	'	'
Total real estate - construction	22,948	27,623
Commercial	20,641	23,445
Consumer:	'	'
Total consumer loans	57,057	57,995
Total loans	774,323	745,730
Net deferred loan cost	3,502	3,271
Allowance for loan losses	-4,029	-4,199
Net total loans	773,796	744,802
Home Equity [Member]	'	'
Consumer:	'	'
Total consumer loans	56,671	57,367
One To Four Family Residential [Member]	'	'
Real estate - mortgage:	'	'
Total real estate-mortgage	582,390	545,812
Consumer:	'	'
Total loans	582,390	545,812
Commercial and Multi Family [Member]	'	'
Real estate - mortgage:	'	'
Total real estate-mortgage	91,287	90,855
Consumer:	'	'
Total loans	91,287	90,855
Residential [Member]	'	'
Real estate - construction:	'	'
Total real estate - construction	20,406	25,113
Commercial Loan [Member]	'	'
Real estate - construction:	'	'
Total real estate - construction	2,542	2,510
Consumer:	'	'
Total loans	20,641	23,445
Other Consumer Loans [Member]	'	'
Consumer:	'	'
Total consumer loans	$386	$628

LOANS_RECEIVABLENET_Details_1

LOANS RECEIVABLE-NET (Details 1) (USD $)	3 Months Ended		9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2014	Sep. 30, 2013	Sep. 30, 2014	Sep. 30, 2013
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'	'
Balance, beginning of period	'	'	$4,199	$3,997
Provision for loan loss	125	186	263	580
Charge-offs	'	'	-509	-379
Recoveries	'	'	76	13
Balance, end of period	$4,029	$4,211	$4,029	$4,211

LOANS_RECEIVABLENET_Details_2

LOANS RECEIVABLE-NET (Details 2) (USD $)	9 Months Ended	12 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2014	Dec. 31, 2013
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Non-accrual loans	$6,870	$4,755
Troubled debt restructuring, non-accrual	630	316
Total non-performing loans	7,500	5,071
Real estate owned	387	498
Total non-performing assets	7,887	5,569
One To Four Family Residential [Member] \| Real Estate [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Non-accrual loans	4,089	3,618
Commercial and Multi Family [Member] \| Real Estate [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Non-accrual loans	1,336	463
Commercial Loan [Member] \| Real Estate [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Non-accrual loans	501	0
Consumer Loan [Member] \| Real Estate [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Non-accrual loans	$944	$674

LOANS_RECEIVABLENET_Details_3

LOANS RECEIVABLE-NET (Details 3) (USD $)	9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2014	Sep. 30, 2013
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Contractual Receivable Amount, Beginning Balance	$50,837	$63,690
Contractual Receivable Amount, Principal reductions	-4,675	-9,591
Contractual Receivable Amount, Charge-offs, net	-439	-229
Contractual Receivable Amount, Amortization of loan premium	0	0
Contractual Receivable Amount, Ending Balance	45,723	53,870
Nonaccretable (Yield) / Premium, Beginning Balance	-3,099	-3,423
Nonaccretable (Yield) / Premium, Principal reductions	0	0
Nonaccretable (Yield) / Premium, Charge-offs, net	439	229
Nonaccretable (Yield) / Premium, Amortization of loan premium	0	0
Nonaccretable (Yield) / Premium, Ending Balance	-2,660	-3,194
Accretable (Yield) / Premuim, Beginning Balance	746	983
Accretable (Yield) / Premium, Principal reductions	0	0
Accretable (Yield) / Premium, Charge-offs, net	0	0
Accretable (Yield) / Premium, Amortization of loan premium	-153	-179
Accretable (Yield) / Premuim, Ending Balance	593	804
Carrying Amount, Beginning Balance	48,484	61,250
Carrying Amount, Principal reductions	-4,675	-9,591
Carrying Amount, Charge-offs, net	0	0
Carrying Amount, Amortization of loan premium	-153	-179
Carrying Amount, Ending Balance	$43,656	$51,480

LOANS_RECEIVABLENET_Details_4

LOANS RECEIVABLE-NET (Details 4) (USD $)	Sep. 30, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified	Sep. 30, 2014	Dec. 31, 2013
Real estate	'	'
30-59 Days Past Due	$2,015	$1,537
60-89 Days Past Due	102	50
Greater Than 90 Days	7,500	4,837
Total Past Due	9,617	6,424
Current	764,706	739,306
Total Loans Receivables	774,323	745,730
One To Four family residential [Member]	'	'
Real estate	'	'
30-59 Days Past Due	1,603	1,271
60-89 Days Past Due	0	0
Greater Than 90 Days	4,720	3,427
Total Past Due	6,323	4,698
Current	576,067	541,114
Total Loans Receivables	582,390	545,812
Commercial and multi-family [Member]	'	'
Real estate	'	'
30-59 Days Past Due	0	0
60-89 Days Past Due	0	0
Greater Than 90 Days	1,335	763
Total Past Due	1,335	763
Current	89,952	90,092
Total Loans Receivables	91,287	90,855
Construction [Member]	'	'
Real estate	'	'
30-59 Days Past Due	0	0
60-89 Days Past Due	0	0
Greater Than 90 Days	0	0
Total Past Due	0	0
Current	22,948	27,623
Total Loans Receivables	22,948	27,623
Commercial Loan [Member]	'	'
Real estate	'	'
30-59 Days Past Due	0	0
60-89 Days Past Due	0	0
Greater Than 90 Days	501	0
Total Past Due	501	0
Current	20,140	23,445
Total Loans Receivables	20,641	23,445
Consumer Loan [Member]	'	'
Real estate	'	'
30-59 Days Past Due	412	266
60-89 Days Past Due	102	50
Greater Than 90 Days	944	647
Total Past Due	1,458	963
Current	55,599	57,032
Total Loans Receivables	$57,057	$57,995

LOANS_RECEIVABLENET_Details_5

LOANS RECEIVABLE-NET (Details 5) (USD $)	9 Months Ended	12 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2014	Dec. 31, 2013
One To Four Family Residential [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Impaired Financing Receivable, With no related allowance recorded, Recorded Investment	$4,722	$2,707
Impaired Financing Receivable, With no related allowance recorded, Unpaid Principal Balance	4,759	2,744
Impaired Financing Receivable, With no related allowance recorded, Related Allowance	0	0
Impaired Financing Receivable, With no related allowance recorded, Average Recorded Investment	163	193
Impaired Financing Receivable, With an allowance recorded, Recorded Investment	5,121	3,127
Impaired Financing Receivable, With an allowance recorded, Unpaid Principal Balance	5,510	3,166
Impaired Financing Receivable, With an allowance recorded, Related Allowance	487	396
Impaired Financing Receivable, With an allowance recorded, Average Recorded Investment	366	284
Recorded Investment	9,843	5,834
Unpaid Principal Balance	10,269	5,910
Related Allowance	487	396
Average Recorded Investment	229	233
Commercial and Multi Family [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Impaired Financing Receivable, With no related allowance recorded, Recorded Investment	1,335	465
Impaired Financing Receivable, With no related allowance recorded, Unpaid Principal Balance	1,335	463
Impaired Financing Receivable, With no related allowance recorded, Related Allowance	0	0
Impaired Financing Receivable, With no related allowance recorded, Average Recorded Investment	267	463
Impaired Financing Receivable, With an allowance recorded, Recorded Investment	0	0
Impaired Financing Receivable, With an allowance recorded, Unpaid Principal Balance	0	0
Impaired Financing Receivable, With an allowance recorded, Related Allowance	0	0
Impaired Financing Receivable, With an allowance recorded, Average Recorded Investment	0	0
Recorded Investment	1,335	465
Unpaid Principal Balance	1,335	463
Related Allowance	0	0
Average Recorded Investment	267	463
Construction [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Impaired Financing Receivable, With no related allowance recorded, Recorded Investment	0	0
Impaired Financing Receivable, With no related allowance recorded, Unpaid Principal Balance	0	0
Impaired Financing Receivable, With no related allowance recorded, Related Allowance	0	0
Impaired Financing Receivable, With no related allowance recorded, Average Recorded Investment	0	0
Impaired Financing Receivable, With an allowance recorded, Recorded Investment	0	0
Impaired Financing Receivable, With an allowance recorded, Unpaid Principal Balance	0	0
Impaired Financing Receivable, With an allowance recorded, Related Allowance	0	0
Impaired Financing Receivable, With an allowance recorded, Average Recorded Investment	0	0
Recorded Investment	0	0
Unpaid Principal Balance	0	0
Related Allowance	0	0
Average Recorded Investment	0	0
Commercial Loan [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Impaired Financing Receivable, With no related allowance recorded, Recorded Investment	0	0
Impaired Financing Receivable, With no related allowance recorded, Unpaid Principal Balance	0	0
Impaired Financing Receivable, With no related allowance recorded, Related Allowance	0	0
Impaired Financing Receivable, With no related allowance recorded, Average Recorded Investment	0	0
Impaired Financing Receivable, With an allowance recorded, Recorded Investment	707	0
Impaired Financing Receivable, With an allowance recorded, Unpaid Principal Balance	707	0
Impaired Financing Receivable, With an allowance recorded, Related Allowance	64	0
Impaired Financing Receivable, With an allowance recorded, Average Recorded Investment	353	0
Recorded Investment	707	0
Unpaid Principal Balance	707	0
Related Allowance	64	0
Average Recorded Investment	353	0
Consumer Loan [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Impaired Financing Receivable, With no related allowance recorded, Recorded Investment	945	674
Impaired Financing Receivable, With no related allowance recorded, Unpaid Principal Balance	945	674
Impaired Financing Receivable, With no related allowance recorded, Related Allowance	0	0
Impaired Financing Receivable, With no related allowance recorded, Average Recorded Investment	67	61
Impaired Financing Receivable, With an allowance recorded, Recorded Investment	530	121
Impaired Financing Receivable, With an allowance recorded, Unpaid Principal Balance	542	121
Impaired Financing Receivable, With an allowance recorded, Related Allowance	199	21
Impaired Financing Receivable, With an allowance recorded, Average Recorded Investment	106	121
Recorded Investment	1,425	795
Unpaid Principal Balance	1,487	795
Related Allowance	199	21
Average Recorded Investment	$78	$66

LOANS_RECEIVABLENET_Details_6

LOANS RECEIVABLE-NET (Details 6) (USD $)	9 Months Ended	12 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2014	Dec. 31, 2013
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Outstanding Recorded Investment, Number of Contracts	12	7
Outstanding Recorded Investment, Pre-Modification	$3,499	$2,337
Outstanding Recorded Investment, Post-Modification	3,499	2,337
One To Four Family Residential [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Outstanding Recorded Investment, Number of Contracts	7	6
Outstanding Recorded Investment, Pre-Modification	3,003	2,216
Outstanding Recorded Investment, Post-Modification	3,003	2,216
Consumer Loan [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Outstanding Recorded Investment, Number of Contracts	4	1
Outstanding Recorded Investment, Pre-Modification	290	121
Outstanding Recorded Investment, Post-Modification	290	121
Commercial Loan [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Outstanding Recorded Investment, Number of Contracts	1	0
Outstanding Recorded Investment, Pre-Modification	206	0
Outstanding Recorded Investment, Post-Modification	$206	$0

LOANS_RECEIVABLENET_Details_7

LOANS RECEIVABLE-NET (Details 7) (USD $)	Sep. 30, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified	Sep. 30, 2014	Dec. 31, 2013
One To Four Family Residential [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Classified loans by class of loans	$13,338	$11,304
One To Four Family Residential [Member] \| Special Mention [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Classified loans by class of loans	3,971	3,692
One To Four Family Residential [Member] \| Substandard [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Classified loans by class of loans	9,367	7,612
One To Four Family Residential [Member] \| Doubtful and loss [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Classified loans by class of loans	0	0
Commercial and Multi Family [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Classified loans by class of loans	781	4,274
Commercial and Multi Family [Member] \| Special Mention [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Classified loans by class of loans	0	629
Commercial and Multi Family [Member] \| Substandard [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Classified loans by class of loans	781	3,645
Commercial and Multi Family [Member] \| Doubtful and loss [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Classified loans by class of loans	0	0
Construction [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Classified loans by class of loans	0	0
Construction [Member] \| Special Mention [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Classified loans by class of loans	0	0
Construction [Member] \| Substandard [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Classified loans by class of loans	0	0
Construction [Member] \| Doubtful and loss [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Classified loans by class of loans	0	0
Commercial Loan [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Classified loans by class of loans	4,708	755
Commercial Loan [Member] \| Special Mention [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Classified loans by class of loans	1,031	90
Commercial Loan [Member] \| Substandard [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Classified loans by class of loans	3,677	665
Commercial Loan [Member] \| Doubtful and loss [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Classified loans by class of loans	0	0
Consumer Loan [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Classified loans by class of loans	2,617	1,940
Consumer Loan [Member] \| Special Mention [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Classified loans by class of loans	954	1,040
Consumer Loan [Member] \| Substandard [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Classified loans by class of loans	1,649	900
Consumer Loan [Member] \| Doubtful and loss [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Classified loans by class of loans	$14	$0

LOANS_RECEIVABLENET_Details_8

LOANS RECEIVABLE-NET (Details 8) (USD $)	Sep. 30, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified	Sep. 30, 2014	Dec. 31, 2013
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Credit risk profile of loans	$774,323	$745,730
One To Four Family Residential [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Credit risk profile of loans	582,390	545,812
One To Four Family Residential [Member] \| Performing Financing Receivable [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Credit risk profile of loans	577,671	541,878
One To Four Family Residential [Member] \| Nonperforming Financing Receivable [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Credit risk profile of loans	4,719	3,934
Commercial and Multi Family [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Credit risk profile of loans	91,287	90,855
Commercial and Multi Family [Member] \| Performing Financing Receivable [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Credit risk profile of loans	89,951	90,392
Commercial and Multi Family [Member] \| Nonperforming Financing Receivable [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Credit risk profile of loans	1,336	463
Construction [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Credit risk profile of loans	22,948	27,623
Construction [Member] \| Performing Financing Receivable [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Credit risk profile of loans	22,948	27,623
Construction [Member] \| Nonperforming Financing Receivable [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Credit risk profile of loans	0	0
Commercial Loan [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Credit risk profile of loans	20,641	23,445
Commercial Loan [Member] \| Performing Financing Receivable [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Credit risk profile of loans	20,140	23,445
Commercial Loan [Member] \| Nonperforming Financing Receivable [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Credit risk profile of loans	501	0
Consumer Loan [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Credit risk profile of loans	57,057	57,995
Consumer Loan [Member] \| Performing Financing Receivable [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Credit risk profile of loans	56,113	57,321
Consumer Loan [Member] \| Nonperforming Financing Receivable [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Credit risk profile of loans	$944	$674

LOANS_RECEIVABLENET_Details_9

LOANS RECEIVABLE-NET (Details 9) (USD $)	9 Months Ended	12 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2014	Dec. 31, 2013	Sep. 30, 2013
Allowance for credit losses:	'	'	'
Balance, beginning of period	$4,199	$3,997	$4,211
Charge-offs	-509	-567	'
Recoveries	76	12	'
Provision for loan losses	263	757	'
Balance, end of period	4,029	4,199	4,211
Ending balance: individually evaluated for impairment	750	417	'
Ending balance: collectively evaluated for impariment	3,279	3,782	'
Loan Receivables:	'	'	'
Ending balance	774,323	745,730	'
Ending balance: individually evaluated for impairment	13,360	6,817	'
Ending balance: collectively evaluated for impariment	760,963	738,913	'
One To Four Family Residential [Member]	'	'	'
Allowance for credit losses:	'	'	'
Balance, beginning of period	2,981	2,585	'
Charge-offs	-463	-393	'
Recoveries	1	0	'
Provision for loan losses	118	789	'
Balance, end of period	2,637	2,981	'
Ending balance: individually evaluated for impairment	487	396	'
Ending balance: collectively evaluated for impariment	2,150	2,585	'
Loan Receivables:	'	'	'
Ending balance	582,390	545,812	'
Ending balance: individually evaluated for impairment	9,843	5,559	'
Ending balance: collectively evaluated for impariment	572,547	540,253	'
Commercial and Multi Family [Member]	'	'	'
Allowance for credit losses:	'	'	'
Balance, beginning of period	551	509	'
Charge-offs	0	-79	'
Recoveries	0	0	'
Provision for loan losses	80	121	'
Balance, end of period	631	551	'
Ending balance: individually evaluated for impairment	0	0	'
Ending balance: collectively evaluated for impariment	631	551	'
Loan Receivables:	'	'	'
Ending balance	91,287	90,855	'
Ending balance: individually evaluated for impairment	1,335	0	'
Ending balance: collectively evaluated for impariment	89,952	90,855	'
Construction [Member]	'	'	'
Allowance for credit losses:	'	'	'
Balance, beginning of period	85	187	'
Charge-offs	0	0	'
Recoveries	0	0	'
Provision for loan losses	-34	-102	'
Balance, end of period	51	85	'
Ending balance: individually evaluated for impairment	0	0	'
Ending balance: collectively evaluated for impariment	51	85	'
Loan Receivables:	'	'	'
Ending balance	22,948	27,623	'
Ending balance: individually evaluated for impairment	0	0	'
Ending balance: collectively evaluated for impariment	22,948	27,623	'
Commercial Loan [Member]	'	'	'
Allowance for credit losses:	'	'	'
Balance, beginning of period	230	286	'
Charge-offs	0	-75	'
Recoveries	75	0	'
Provision for loan losses	-91	19	'
Balance, end of period	214	230	'
Ending balance: individually evaluated for impairment	64	0	'
Ending balance: collectively evaluated for impariment	150	230	'
Loan Receivables:	'	'	'
Ending balance	20,641	23,445	'
Ending balance: individually evaluated for impairment	707	463	'
Ending balance: collectively evaluated for impariment	19,934	22,982	'
Consumer Loan [Member]	'	'	'
Allowance for credit losses:	'	'	'
Balance, beginning of period	352	430	'
Charge-offs	-46	-20	'
Recoveries	0	12	'
Provision for loan losses	190	-70	'
Balance, end of period	496	352	'
Ending balance: individually evaluated for impairment	199	21	'
Ending balance: collectively evaluated for impariment	297	331	'
Loan Receivables:	'	'	'
Ending balance	57,057	57,995	'
Ending balance: individually evaluated for impairment	1,475	795	'
Ending balance: collectively evaluated for impariment	$55,582	$57,200	'

LOANS_RECEIVABLENET_Details_Te

LOANS RECEIVABLE-NET (Details Textual) (USD $)	3 Months Ended		9 Months Ended
LOANS RECEIVABLE-NET (Details Textual) (USD $)	Sep. 30, 2014	Sep. 30, 2013	Sep. 30, 2014	Sep. 30, 2013
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'	'
Provision for Loan Losses Expensed	$125,000	$186,000	$263,000	$580,000
Loans and Leases Receivable, Impaired, Nonperforming, Nonaccrual of Interest	630,000	'	630,000	'
Troubled Debt Restructuring, Carrying Value	3,500,000	'	3,500,000	'
Troubled Debt Restructuring, Reserved	$403,000	'	$403,000	'

DEPOSITS_Details

DEPOSITS (Details) (USD $)	Sep. 30, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified	Sep. 30, 2014	Dec. 31, 2013
Deposits [Line Items]	'	'
NOW and other demand deposit accounts	$455,292	$419,608
Passbook savings and club accounts	170,203	170,660
Subtotal	625,495	590,268
Certificates with original maturities:	'	'
Within one year	48,412	68,941
One to three years	107,603	95,397
Three years and beyond	23,042	26,041
Total certificates	179,057	190,379
Total	$804,552	$780,647
Weighted Average Interest Rate, NOW and other demand deposit accounts	0.13%	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	0.31%	0.41%
Weighted Average Interest Rate, One to three years	0.90%	1.39%
Weighted Average Interest Rate, Three years and beyond	1.83%	2.56%

DEPOSITS_Details_Textual

DEPOSITS (Details Textual) (USD $)	Sep. 30, 2014	Dec. 31, 2013
Deposits [Line Items]	'	'
Time Deposits, $100,000 or More	$62,600,000	$68,800,000
Cash, Uninsured Amount	250,000	'
Municipal Demand Deposits, $100000 or More	$186,100,000	$164,200,000

EARNINGS_PER_SHARE_Details

EARNINGS PER SHARE (Details) (USD $)	3 Months Ended		9 Months Ended
In Thousands, except Per Share data, unless otherwise specified	Sep. 30, 2014	Sep. 30, 2013	Sep. 30, 2014	Sep. 30, 2013
Earning Per Share [Line Items]	'	'	'	'
Numerator - Net Income	$1,580	$1,324	$4,700	$3,863
Denominators:	'	'	'	'
Basic average shares outstanding (in shares)	6,226,913	6,533,760	6,333,123	6,514,699
Effect of dilutive common stock equivalents (in shares)	134,943	111,658	136,334	119,055
Diluted average shares outstanding (in shares)	6,361,856	6,645,418	6,469,457	6,633,754
Earnings per share:	'	'	'	'
Basic (in dollars per share)	$0.25	$0.20	$0.74	$0.59
Diluted (in dollars per share)	$0.25	$0.20	$0.73	$0.58

EARNINGS_PER_SHARE_Details_Tex

EARNINGS PER SHARE (Details Textual)	9 Months Ended
EARNINGS PER SHARE (Details Textual)	Sep. 30, 2014	Sep. 30, 2013
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]	'	'
Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount	598,328	541,112
Weighted Average Number Of Non Vested Shares Outstanding Diluted	63,490	40,590

STOCKBASED_COMPENSATION_Detail

STOCK-BASED COMPENSATION (Details) (USD $)	9 Months Ended
STOCK-BASED COMPENSATION (Details) (USD $)	Sep. 30, 2014		Sep. 30, 2013
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]	'		'
Number of shares, Outstanding at the beginning of the period (in shares)	680,200		649,313
Number of shares, Granted (in shares)	0		0
Number of shares, Exercised (in shares)	5,809		34,013
Number of shares, Forfeited (in shares)	0		0
Number of shares, Outstanding at the end of the period (in shares)	674,391		615,300
Number of shares, Exercisable at the end of the period (in shares)	524,462		468,986
Number of shares, Stock options vested or expected to vest (in shares)	606,952	[1]	553,770	[1]
Weighted average exercise price, Outstanding at the beginning of the period (in dollars per share)	$12.14		$11.90
Weighted average exercise price, Granted (in dollars per share)	$0		$0
Weighted average exercise price, Exercised (in dollars per share)	$11.49		$12.38
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)	$12.15		$11.92
Weighted average exercise price, Exercisable at the end of the period (in dollars per share)	$12.06		$12.23
Weighted average exercise price, Stock options vested or expected to vest (in dollars per share)	$12.15	[1]	$11.92	[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
STOCK-BASED COMPENSATION (Details 1) (USD $)	Sep. 30, 2014	Dec. 31, 2013	Sep. 30, 2013	Dec. 31, 2012
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]	'	'	'	'
Options Outstanding, Number of Shares (in shares)	674,391	680,200	615,300	649,313
Options Outstanding, Weighted Average Exercise Price (in dollars per share)	$12.15	'	'	'
Options Outstanding, Weighted Average Remaining Contractual Life	'4 years 2 months 12 days	'	'	'
Date Of Issued August 10 2005 [Member]	'	'	'	'
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]	'	'	'	'
Options Outstanding, Number of Shares (in shares)	269,511	'	'	'
Options Outstanding, Weighted Average Exercise Price (in dollars per share)	$13.19	'	'	'
Options Outstanding, Weighted Average Remaining Contractual Life	'10 months 24 days	'	'	'
Date Of Issued November 21 2006 [Member]	'	'	'	'
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]	'	'	'	'
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	'2 years 2 months 12 days	'	'	'
Date Of Issued November 20 2007 [Member]	'	'	'	'
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]	'	'	'	'
Options Outstanding, Number of Shares (in shares)	18,448	'	'	'
Options Outstanding, Weighted Average Exercise Price (in dollars per share)	$11.32	'	'	'
Options Outstanding, Weighted Average Remaining Contractual Life	'3 years 2 months 12 days	'	'	'
Date Of Issued August 18 2010 [Member]	'	'	'	'
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]	'	'	'	'
Options Outstanding, Number of Shares (in shares)	221,948	'	'	'
Options Outstanding, Weighted Average Exercise Price (in dollars per share)	$10.21	'	'	'
Options Outstanding, Weighted Average Remaining Contractual Life	'5 years 10 months 24 days	'	'	'
Date Of Issued March 15 2011 [Member]	'	'	'	'
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]	'	'	'	'
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	'6 years 6 months	'	'	'
Date Of Issued August 17 2011 [Member]	'	'	'	'
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]	'	'	'	'
Options Outstanding, Number of Shares (in shares)	49,498	'	'	'
Options Outstanding, Weighted Average Exercise Price (in dollars per share)	$11.53	'	'	'
Options Outstanding, Weighted Average Remaining Contractual Life	'6 years 10 months 24 days	'	'	'
Date Of Issued November 19 2012 [Member]	'	'	'	'
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]	'	'	'	'
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	'8 years 2 months 12 days	'	'	'
Date of Issued November 19 2013 [Member]	'	'	'	'
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]	'	'	'	'
Options Outstanding, Number of Shares (in shares)	66,300	'	'	'
Options Outstanding, Weighted Average Exercise Price (in dollars per share)	$14.14	'	'	'
Options Outstanding, Weighted Average Remaining Contractual Life	'9 years 1 month 6 days	'	'	'

STOCKBASED_COMPENSATION_Detail2

STOCK-BASED COMPENSATION (Details 2) (USD $)	9 Months Ended
STOCK-BASED COMPENSATION (Details 2) (USD $)	Sep. 30, 2014	Sep. 30, 2013
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]	'	'
Number of shares, Beginning of period (in shares)	83,290	60,390
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, End of period (in shares)	63,490	40,590
Weighted average grant date fair value, Beginning of period (in dollars per share)	$10.99	$10.33
Weighted average grant date fair value, Issued (in doallrs 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, End of period (in dollars per share)	$12.91	$10.35

STOCKBASED_COMPENSATION_Detail3

STOCK-BASED COMPENSATION (Details Textual) (USD $)	3 Months Ended		9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2014	Sep. 30, 2013	Sep. 30, 2014	Sep. 30, 2013
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]	'	'	'	'
Adjustments to Additional Paid in Capital, Share-based Compensation, Stock Options, Requisite Service Period Recognition	$46	$38	$138	$114
Adjustments To Additional Paid In Capital Share Based Compensation Stock Options Total Unrecognized Compensation Cost	'	'	469	'
Employee Service Share Based Compensation Total Compensation Cost Not Yet Recognized Period For Recognition	'	'	'3 years 8 months 12 days	'
Allocated Share-based Compensation Expense	81	51	244	153
Employee Service Share-based Compensation, Nonvested Awards, Compensation Cost Not yet Recognized, Total	$672	'	$672	'
Employee Service Share-based Compensation, Nonvested Awards, Compensation Cost Not yet Recognized, Period for Recognition	'	'	'3 years 8 months 12 days	'

INCOME_TAXES_Details_Textual

INCOME TAXES (Details Textual) (USD $)	3 Months Ended		9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2014	Sep. 30, 2013	Sep. 30, 2014	Sep. 30, 2013
Income Taxes [Line Items]	'	'	'	'
Income Tax Expense (Benefit)	$904	$696	$2,609	$2,079
Effective Income Tax Rate Reconciliation, at Federal Statutory Income Tax Rate, Percent	'	'	35.70%	35.00%

STOCKHOLDERS_EQUITY_Details

STOCKHOLDERS' EQUITY (Details) (USD $)	3 Months Ended		9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2014		Sep. 30, 2014
Accumulated Other Comprehensive Income (Loss) [Line Items]	'		'
Unrealized holding loss on securities available for sale during the period, Pre-tax	($2,764)		($2,764)
Reclassification adjustment for net gains included in net income, Pre-tax	86	[1]	86	[1]
Net unrealized loss on securities available for sale, Pre-tax	-2,678		-2,678
Unrealized holding loss on securities available for sale during the period, Tax	1,072		1,072
Reclassification adjustment for net gains included in net income, Tax	-30	[1]	-30	[1]
Net unrealized loss on securities available for sale, Tax	1,042		1,042
Unrealized holding loss on securities available for sale during the period, After-tax	-1,692		-1,692
Reclassification adjustment for net gains included in net income, After-tax	56	[1]	56	[1]
Net unrealized loss on securities available for sale, After-tax	($1,636)		($1,636)

[1]	All amounts are included in non-interest income in the unaudited condensed consolidated statements of operations.

STOCKHOLDERS_EQUITY_Details_1

STOCKHOLDERS' EQUITY (Details 1) (USD $)	3 Months Ended		9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2014	Sep. 30, 2013	Sep. 30, 2014	Sep. 30, 2013
Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract]	'	'	'	'
Unrealized (Loss) on Available for Sale Securities, Beginning balance	($1,434)	($1,822)	($2,657)	$104
Unrealized (Loss) on Available for Sale Securities, Current period change	-326	-411	1,709	-3,586
Unrealized (Loss) on Available for Sale Securities, Tax benefit	124	191	-688	1,440
Unrealized (Loss) on Available for Sale Securities, Ending Balance	-1,636	-2,042	-1,636	-2,042
Loss on Post Retirement Life Benefit, Beginning balance	-9	-186	-10	-148
Loss on Post Retirement Life Benefit, Current period change	1	8	2	-31
Loss on Post Retirement Life Benefit, Tax benefit	0	0	0	0
Loss on Post Retirement Life Benefit, Ending Balance	-8	-178	-8	-178
Accumulated Other Comprehensive Loss, Beginning balance	-1,443	-2,008	-2,667	-44
Accumulated Other Comprehensive Loss, Current period change	-325	-403	1,711	-3,617
Accumulated Other Comprehensive Loss, Tax benefit	124	191	-688	1,440
Accumulated Other Comprehensive Loss, Ending Balance	($1,644)	($2,220)	($1,644)	($2,220)

STOCKHOLDERS_EQUITY_Details_Te

STOCKHOLDERS' EQUITY (Details Textual) (USD $)	3 Months Ended	9 Months Ended
STOCKHOLDERS' EQUITY (Details Textual) (USD $)	Sep. 30, 2014	Sep. 30, 2014	Aug. 05, 2014
Stockholders Equity [Line Items]	'	'	'
Stock Repurchase Program Shares Authorized To Be Repurchased Percentage	'	'	2.00%
Stock Repurchase Program, Number of Shares Authorized to be Repurchased	'	'	135,000
Treasury Stock Acquired, Average Cost Per Share	$14.83	$14.54	'
Stock Repurchased During Period, Shares	292,218	439,218	'
Board of Directors Chairman [Member]	'	'	'
Stockholders Equity [Line Items]	'	'	'
Common Stock, Dividends, Per Share, Cash Paid	$0.06	'	'

FAIR_VALUE_MEASUREMENTS_Detail

FAIR VALUE MEASUREMENTS (Details) (USD $)	Sep. 30, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified	Sep. 30, 2014	Dec. 31, 2013
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'	'
Available For Sale Securities Fair Value	$113,695	$125,389
US Government Sponsored Entity Mortgage-backed Securities [Member]	'	'
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'	'
Available For Sale Securities Fair Value	83,150	81,659
Corporate Securities [Member]	'	'
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'	'
Available For Sale Securities Fair Value	20,509	10,797
Equity Securities [Member]	'	'
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'	'
Available For Sale Securities Fair Value	28	30
Fair Value, Inputs, Level 1 [Member]	'	'
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'	'
Available For Sale Securities Fair Value	28	30
Fair Value, Inputs, Level 1 [Member] \| US Government Sponsored Entity Mortgage-backed Securities [Member]	'	'
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'	'
Available For Sale Securities Fair Value	0	0
Fair Value, Inputs, Level 1 [Member] \| US Treasury and Federal Agencies [Member]	'	'
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'	'
Available For Sale Securities Fair Value	'	'
Fair Value, Inputs, Level 1 [Member] \| State and Municipal Obligations [Member]	'	'
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'	'
Available For Sale Securities Fair Value	0	0
Fair Value, Inputs, Level 1 [Member] \| Corporate Securities [Member]	'	'
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'	'
Available For Sale Securities Fair Value	0	0
Fair Value, Inputs, Level 1 [Member] \| Equity Securities [Member]	'	'
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'	'
Available For Sale Securities Fair Value	28	30
Fair Value, Inputs, Level 2 [Member]	'	'
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'	'
Available For Sale Securities Fair Value	113,667	125,359
Fair Value, Inputs, Level 2 [Member] \| US Government Sponsored Entity Mortgage-backed Securities [Member]	'	'
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'	'
Available For Sale Securities Fair Value	83,150	81,659
Fair Value, Inputs, Level 2 [Member] \| US Treasury and Federal Agencies [Member]	'	'
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'	'
Available For Sale Securities Fair Value	'	'
Fair Value, Inputs, Level 2 [Member] \| State and Municipal Obligations [Member]	'	'
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'	'
Available For Sale Securities Fair Value	20,509	32,903
Fair Value, Inputs, Level 2 [Member] \| Corporate Securities [Member]	'	'
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'	'
Available For Sale Securities Fair Value	10,008	10,797
Fair Value, Inputs, Level 2 [Member] \| Equity Securities [Member]	'	'
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'	'
Available For Sale Securities Fair Value	0	0
Fair Value, Inputs, Level 3 [Member]	'	'
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'	'
Available For Sale Securities Fair Value	0	0
Fair Value, Inputs, Level 3 [Member] \| US Government Sponsored Entity Mortgage-backed Securities [Member]	'	'
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'	'
Available For Sale Securities Fair Value	0	0
Fair Value, Inputs, Level 3 [Member] \| US Treasury and Federal Agencies [Member]	'	'
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'	'
Available For Sale Securities Fair Value	'	'
Fair Value, Inputs, Level 3 [Member] \| State and Municipal Obligations [Member]	'	'
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'	'
Available For Sale Securities Fair Value	0	0
Fair Value, Inputs, Level 3 [Member] \| Corporate Securities [Member]	'	'
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'	'
Available For Sale Securities Fair Value	0	0
Fair Value, Inputs, Level 3 [Member] \| Equity Securities [Member]	'	'
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'	'
Available For Sale Securities Fair Value	$0	$0

FAIR_VALUE_MEASUREMENTS_Detail1

FAIR VALUE MEASUREMENTS (Details 1) (Fair Value, Measurements, Nonrecurring [Member], USD $)	9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2014	Sep. 30, 2013
Assets:	'	'
Impaired loans	$5,609	$3,111
Real estate owned	248	525
Impaired loans, Total Losses	-441	-97
Real estate owned, Total Losses	-55	-143
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	2,459	2,958
Real estate owned	248	525
Fair Value, Inputs, Level 3 [Member]	'	'
Assets:	'	'
Impaired loans	3,150	153
Real estate owned	$0	$0

FAIR_VALUE_MEASUREMENTS_Detail2

FAIR VALUE MEASUREMENTS (Details 2) (USD $)	Sep. 30, 2014	Dec. 31, 2013	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified	Sep. 30, 2014	Dec. 31, 2013	Sep. 30, 2013	Dec. 31, 2012
Assets, Carrying Amount	'	'	'	'
Cash and cash equivalents, Carrying Amount	$93,116	$87,619	$125,524	$163,422
Investment securities, Carrying Amount	'	'	'	'
Held to maturity, Carrying Amount	1,232	3,312	'	'
Available for sale, Carrying Amount	113,695	125,389	'	'
Loans receivable, net, Carrying Amount	773,796	744,802	'	'
Federal Home Loan Bank stock, Carrying Amount	6,039	6,320	'	'
Liabilities, Carrying Amount	'	'	'	'
NOW and other demand deposit accounts, Carrying Amount	455,292	419,608	'	'
Passbook savings and club accounts, Carrying Amount	170,203	170,660	'	'
Certificates, Carrying Amount	179,057	190,379	'	'
Advances from Federal Home Loan Bank, Carrying Amount	110,000	110,000	'	'
Junior subordinated debenture, Carrying Amount	7,217	10,309	'	'
Investment securities, Estimated Fair Value	'	'	'	'
Held to maturity, Fair Value	1,310	3,402	'	'
Available for sale, Fair Value	113,695	125,389	'	'
Fair Value, Inputs, Level 1 [Member]	'	'	'	'
Investment securities, Carrying Amount	'	'	'	'
Available for sale, Carrying Amount	28	30	'	'
Assets, Estimated Fair Value	'	'	'	'
Cash and cash equivalents, Fair Value	93,116	87,619	'	'
Investment securities, Estimated Fair Value	'	'	'	'
Held to maturity, Fair Value	0	0	'	'
Available for sale, Fair Value	28	30	'	'
Loans receivable, net, Fair Value	0	0	'	'
Federal Home Loan Bank stock, Fair Value	0	0	'	'
Liabilities, Estimated Fair Value	'	'	'	'
NOW and other demand deposit accounts, Fair Value	0	0	'	'
Passbook savings and club accounts, Fair Value	0	0	'	'
Certificates, Fair Value	0	0	'	'
Advances from Federal Home Loan Bank, Fair Value	0	0	'	'
Junior subordinated debenture, Fair Value	0	0	'	'
Fair Value, Inputs, Level 2 [Member]	'	'	'	'
Investment securities, Carrying Amount	'	'	'	'
Available for sale, Carrying Amount	113,667	125,359	'	'
Assets, Estimated Fair Value	'	'	'	'
Cash and cash equivalents, Fair Value	0	0	'	'
Investment securities, Estimated Fair Value	'	'	'	'
Held to maturity, Fair Value	1,310	3,402	'	'
Available for sale, Fair Value	113,667	125,359	'	'
Loans receivable, net, Fair Value	780,721	744,333	'	'
Federal Home Loan Bank stock, Fair Value	6,039	6,320	'	'
Liabilities, Estimated Fair Value	'	'	'	'
NOW and other demand deposit accounts, Fair Value	470,754	436,163	'	'
Passbook savings and club accounts, Fair Value	178,456	178,939	'	'
Certificates, Fair Value	179,350	189,821	'	'
Advances from Federal Home Loan Bank, Fair Value	118,251	118,787	'	'
Junior subordinated debenture, Fair Value	7,217	9,278	'	'
Fair Value, Inputs, Level 3 [Member]	'	'	'	'
Investment securities, Carrying Amount	'	'	'	'
Available for sale, Carrying Amount	0	0	'	'
Assets, Estimated Fair Value	'	'	'	'
Cash and cash equivalents, Fair Value	0	0	'	'
Investment securities, Estimated Fair Value	'	'	'	'
Held to maturity, Fair Value	0	0	'	'
Available for sale, Fair Value	0	0	'	'
Loans receivable, net, Fair Value	0	0	'	'
Federal Home Loan Bank stock, Fair Value	0	0	'	'
Liabilities, Estimated Fair Value	'	'	'	'
NOW and other demand deposit accounts, Fair Value	0	0	'	'
Passbook savings and club accounts, Fair Value	0	0	'	'
Certificates, Fair Value	0	0	'	'
Advances from Federal Home Loan Bank, Fair Value	0	0	'	'
Junior subordinated debenture, Fair Value	$0	$0	'	'

FAIR_VALUE_MEASUREMENTS_Detail3

FAIR VALUE MEASUREMENTS (Details Textual) (USD $)	9 Months Ended
FAIR VALUE MEASUREMENTS (Details Textual) (USD $)	Sep. 30, 2014	Sep. 30, 2013
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'	'
Fair Value of Loans Remeasured	$5,600,000	$3,100,000
Prior to Remeasurement of Loans	6,100,000	3,200,000
Properties Prior to Remeasurement of Loans	303,000	688,000
Fair Value, Measurements, Nonrecurring [Member]	'	'
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'	'
Real Estate Owned	248,000	525,000
Fair Value Remeasurement Gain Loss On Impaired Loan	441,000	97,000
Fair Value Remeasurement Gain Loss On Real Estate Owned	$55,000	$143,000

GOODWILL_AND_INTANGIBLE_ASSETS1

GOODWILL AND INTANGIBLE ASSETS (Details Textual) (USD $)	9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2014	Dec. 31, 2013
Goodwill And Intangible Assets [Line Items]	'	'
Goodwill	$4,630	$4,630
Intangible Assets, Net (Excluding Goodwill)	$567	$625
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, 2014	Sep. 30, 2013
Real Estate Properties [Line Items]	'	'
Balance, January 1,	$498	$906
Transfers into Real Estate Owned	460	966
Sales of Real Estate Owned	-571	-963
Balance, September 30,	387	909
Residential Real Estate [Member]	'	'
Real Estate Properties [Line Items]	'	'
Balance, January 1,	295	412
Transfers into Real Estate Owned	460	438
Sales of Real Estate Owned	-410	-610
Balance, September 30,	345	240
Commercial Real Estate [Member]	'	'
Real Estate Properties [Line Items]	'	'
Balance, January 1,	203	494
Transfers into Real Estate Owned	0	528
Sales of Real Estate Owned	-161	-353
Balance, September 30,	$42	$669

JUNIOR_SUBORDINATED_DEBENTURES1

JUNIOR SUBORDINATED DEBENTURES (Details Textual) (USD $)	9 Months Ended			0 Months Ended
	Sep. 30, 2014	Sep. 30, 2013	Dec. 31, 2013	Sep. 05, 2014
	Sep. 30, 2014	Sep. 30, 2013	Dec. 31, 2013	Ocean Shore Capital Trust I [Member]
Subordinated Borrowing [Line Items]	'	'	'	'
Repayments of Subordinated Debt	'	'	'	$3,100,000
Premium paid on partial retirement of junior subordinated debt	54,000	112,000	'	'
Subordinated Debt	$7,217,000	'	$10,309,000	'
Capital Securities Percentage	'	'	'	8.67%