Poage Bankshares (PBSK) 10-Q 14 Nov 17 2017 Q3 Quarterly report Financial data

Document And Entity Information

Document And Entity Information - shares	9 Months Ended
	Sep. 30, 2017	Nov. 14, 2017
Document And Entity Information [Abstract]
Entity Registrant Name	Poage Bankshares, Inc.
Entity Central Index Key	1,511,071
Current Fiscal Year End Date	--12-31
Entity Filer Category	Smaller Reporting Company
Trading Symbol	pbsk
Entity Common Stock, Shares Outstanding		3,522,098
Document Type	10-Q
Amendment Flag	false
Document Period End Date	Sep. 30, 2017
Document Fiscal Year Focus	2,017
Document Fiscal Period Focus	Q3

CONSOLIDATED BALANCE SHEETS

CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Sep. 30, 2017	Dec. 31, 2016
ASSETS
Cash and due from financial institutions	$ 25,822	$ 24,389
Interest-bearing deposits in other financial institutions	2,490	1,992
Securities available for sale	64,660	58,261
Loans held for sale		611
Loans, net of allowance of $3,186 and $2,349	336,237	343,921
Restricted stock, at cost	3,276	3,276
Other real estate owned, net	1,860	718
Premises and equipment, net	10,681	11,115
Company owned life insurance	7,249	7,121
Accrued interest receivable	1,307	1,397
Goodwill	1,277	1,277
Other intangible assets, net	750	1,006
Deferred tax asset, net	1,319	1,454
Other assets	3,273	1,927
Total assets	460,201	458,465
Deposits
Non-interest bearing	55,798	52,288
Interest bearing	319,115	322,420
Total deposits	374,913	374,708
Federal Home Loan Bank advances	10,805	9,332
Subordinated debenture	2,873	2,825
Other borrowings	1,500	0
Accrued interest payable	80	52
Other liabilities	3,995	2,847
Total liabilities	394,166	389,764
Commitments and contingent liabilities
Shareholders' equity
Common stock, $.01 par value, 30,000,000 shares authorized, 3,521,903 and 3,704,704 issued and outstanding at September 30, 2017 and December 31, 2016, respectively	35	37
Additional paid-in-capital	32,417	35,742
Retained earnings	35,223	35,065
Unearned Employee Stock Ownership Plan (ESOP) shares	(1,888)	(1,990)
Accumulated other comprehensive income (loss)	248	(153)
Total shareholders' equity	66,035	68,701
Total liabilities and shareholders' equity	$ 460,201	$ 458,465

CONSOLIDATED BALANCE SHEETS (Pa

CONSOLIDATED BALANCE SHEETS (Parenthetical) - USD ($) $ in Thousands	Sep. 30, 2017	Dec. 31, 2016
CONSOLIDATED BALANCE SHEETS
Loans allowance (in dollars)	$ 3,186	$ 2,349
Common stock, par value (in dollars per share)	$ 0.01	$ 0.01
Common stock, shares authorized	30,000,000	30,000,000
Common stock, shares issued	3,521,903	3,704,704
Common stock, shares outstanding	3,521,903	3,704,704

CONSOLIDATED STATEMENTS OF OPER

CONSOLIDATED STATEMENTS OF OPERATIONS - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2017	Sep. 30, 2016	Sep. 30, 2017	Sep. 30, 2016
Interest and dividend income
Loans, including fees	$ 4,297	$ 4,455	$ 12,877	$ 13,134
Taxable securities	255	207	729	703
Tax-exempt securities	116	115	345	336
Federal funds sold and other	113	49	302	149
Total Interest and Dividend Income	4,781	4,826	14,253	14,322
Interest expense
Deposits	629	501	1,808	1,459
Federal Home Loan Bank advances and other borrowings	114	101	283	292
Total Interest Expense	743	602	2,091	1,751
Net interest income	4,038	4,224	12,162	12,571
Provision for loan losses	947	352	1,646	812
Net interest income after provision for loan losses	3,091	3,872	10,516	11,759
Non-interest income
Service charges on deposits	496	525	1,495	1,531
Other service charges	13	13	39	40
Net gain on disposal of land and equipment			16	92
Loan servicing fees	55	151	219	357
Gains on mortgage loans sold, net	91	64	165	161
Net gains (losses) on securities				(3)
Income from company owned life insurance	43	45	128	135
Other	6	2	13	14
Total Non-Interest Income	704	800	2,075	2,327
Non-interest expense
Salaries and employee benefits	1,599	1,865	5,156	5,586
Occupancy and equipment	458	502	1,403	1,466
Data processing	698	668	1,965	1,991
Federal deposit insurance	32	60	99	176
Loan processing and collection	82	108	272	268
Foreclosed assets, net	67	191	214	306
Advertising	75	121	290	237
Professional fees	303	137	464	395
Other taxes	116	106	352	320
Director fees and expenses	51	44	130	136
Amortization of intangible assets	85	87	256	261
Loss on fictitious loans			25
Other	298	297	840	812
Total Non-Interest Expense	3,864	4,186	11,441	11,954
Income (loss) before income taxes	(69)	486	1,150	2,132
Income tax expense (credit)	(51)	122	338	581
Net income (loss)	$ (18)	$ 364	$ 812	$ 1,551
Earnings (loss) per common share:
Basic	$ (0.01)	$ 0.10	$ 0.23	$ 0.43
Dilutive	(0.01)	0.10	0.23	0.43
Dividend per share	$ 0.06	$ 0.08	$ 0.18	$ 0.20

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (LOSS) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2017	Sep. 30, 2016	Sep. 30, 2017	Sep. 30, 2016
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (LOSS)
Net income (loss)	$ (18)	$ 364	$ 812	$ 1,551
Other comprehensive income (loss):
Unrealized holding gains (loss) on available for sale securities	(103)	(135)	608	664
Reclassification adjustments for losses recognized in income				3
Net unrealized holding gains (loss) on available for sale securities	(103)	(135)	608	667
Tax effect	35	46	(207)	(227)
Net current period other comprehensive income (loss)	(68)	(89)	401	440
Comprehensive income (loss)	$ (86)	$ 275	$ 1,213	$ 1,991

CONSOLIDATED STATEMENTS OF SHAR

CONSOLIDATED STATEMENTS OF SHAREHOLDERS' EQUITY - USD ($) $ in Thousands	Common Stock [Member]	Additional Paid-in Capital [Member]	Retained Earnings [Member]	Unearned Employee Stock Ownership Plan Shares [Member]	Accumulated Other Comprehensive Income (Loss) [Member]	Total
Balances, beginning at Dec. 31, 2015					$ 384
Net income						$ 1,551
Stock based compensation expense						301
Other comprehensive income						440
Balances, ending at Sep. 30, 2016					824
Balances, beginning at Jun. 30, 2016					913
Net income						364
Other comprehensive income						(89)
Balances, ending at Sep. 30, 2016					824
Balances, beginning at Dec. 31, 2016	$ 37	$ 35,742	$ 35,065	$ (1,990)	(153)	68,701
Net income			812			812
Stock repurchases, 188,428 shares repurchased	(2)	(3,646)				(3,648)
Dividends paid ($0.18/share)			(654)			(654)
ESOP compensation earned		93		102		195
Stock based compensation expense		228				228
Exercise of stock options, 5,627 shares exercised, net
Other comprehensive income					401	401
Balances, ending at Sep. 30, 2017	35	32,417	35,223	(1,888)	248	66,035
Balances, beginning at Jun. 30, 2017					316
Net income						(18)
Other comprehensive income						(68)
Balances, ending at Sep. 30, 2017	$ 35	$ 32,417	$ 35,223	$ (1,888)	$ 248	$ 66,035

CONSOLIDATED STATEMENTS OF SHA7

CONSOLIDATED STATEMENTS OF SHAREHOLDERS' EQUITY (Parenthetical)	9 Months Ended
	Sep. 30, 2017$ / sharesshares
CONSOLIDATED STATEMENT OF STOCKHOLDERS' EQUITY
Treasury stock, shares, acquired	188,428
Common stock, dividends, per share, cash paid | $ / shares	$ 0.18
Stock options exercised, shares	5,627

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2017	Sep. 30, 2016
Operating activities:
Net income	$ 812	$ 1,551
Adjustments to reconcile net income to net cash from operating activities:
Depreciation	569	583
Provision for loan losses	1,646	812
ESOP compensation expense	195	177
Stock based compensation expense	228	301
Loss on securities		3
Net gain on sale of premises and equipment	(16)	(92)
Loss on sale and write-downs of other real estate owned	126	182
(Gain) Loss on sale of repossessed assets	6	5
Loss on fictitious loans	25
Amortization of core deposit intangible	256	261
Accretion of fair value adjustments related to loans	(303)	(594)
Accretion of fair value adjustments related to deposits	(49)	(49)
Amortization of fair value related to subordinated debenture	48	48
Net amortization on securities	97	209
Deferred income tax expense (benefit)	(72)	472
Net gain on mortgage banking activities	(165)	(161)
Origination of loans held for sale	(5,475)	(6,067)
Proceeds from loans held for sale	6,251	5,885
Increase in cash value of life insurance	(128)	(135)
Change in asset and liabilities, net of assets and liabilities acquired:
Accrued interest receivable	90	(55)
Other assets	58	311
Accrued interest payable	28	63
Other liabilities	1,148	1,533
Net cash provided by operating activities	5,375	5,243
Investing activities:
Net increase in interest-bearing deposits with other institutions	(498)
Securities available for sale:
Proceeds from calls	65	6,655
Proceeds from maturities	435
Purchases	(11,762)	(5,565)
Principal payments received	5,374	5,541
Loan originations and principal payments on loans, net	2,738	(26,785)
Proceeds from the sale of other real estate owned	856	1,184
Proceeds from the sale of premises and equipment	54
Proceeds from the sale of repossessed assets	44
Purchase of premises and equipment, net	(173)	(403)
Net cash used in investing activities	(2,867)	(19,373)
Financing activities:
Net change in deposits	254	16,714
Proceeds from other borrowings	1,500
Proceeds from Federal Home Loan Bank borrowings	13,000	80,500
Payments on Federal Home Loan Bank borrowings	(11,527)	(83,510)
Cash dividend paid	(654)	(762)
Stock repurchases	(3,648)	(3,195)
Net cash provided by (used in) financing activities	(1,075)	9,747
Net increase (decrease) in cash and cash equivalents	1,433	(4,383)
Cash and cash equivalents at beginning of period	24,389	23,876
Cash and cash equivalents at the end of the period	25,822	19,493
Cash paid during the year for:
Interest on deposits and debt	2,064	1,689
Income taxes payment	250
Income taxes refund		(450)
Other real estate owned and other repossessed assets acquired in settlement of loans	$ 2,124	1,196
Loans provided for sales and real estate owned		$ 142

BASIS OF PRESENTATION AND SUMMA

BASIS OF PRESENTATION AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	9 Months Ended
	Sep. 30, 2017
BASIS OF PRESENTATION AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]
BASIS OF PRESENTATION AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	NOTE 1 – BASIS OF PRESENTATION AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES The accompanying unaudited consolidated financial statements of Poage Bankshares, Inc. (the “Company” or “Poage”) and its wholly owned subsidiary Town Square Bank (which was formerly operated under the name “Home Federal Savings and Loan Association”) (the “Bank”) have been prepared in accordance with U.S. generally accepted accounting principles (“GAAP”) for interim financial information and with the instructions to Form 10-Q and Rule 8-03 of Regulation S-X. Accordingly, certain information and footnote disclosures normally included in financial statements prepared in accordance with GAAP have been condensed or omitted pursuant to such rules and regulations. The preparation of financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities as of the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Estimates used in the preparation of the financial statements are based on various factors including the current interest rate environment and the general strength of the local economy. Changes in the overall interest rate environment can significantly affect the Company’s net interest income and the value of its recorded assets and liabilities. Actual results could differ from those estimates used in the preparation of the financial statements. In the opinion of management, the accompanying unaudited financial statements contain all adjustments (consisting only of normal recurring accruals) necessary to present fairly the Company’s financial position as of September 30, 2017 and December 31, 2016 and the results of operations and cash flows for the interim periods ended September 30, 2017 and 2016. All interim amounts have not been audited, and the results of operations for the interim periods herein are not necessarily indicative of the results of operations to be expected for the year. These consolidated financial statements should be read in conjunction with the Company’s audited consolidated financial statements and notes thereto filed as part of the Company’s 2016 Annual Report on Form 10-K filed with the Securities and Exchange Commission.  Recently Adopted Accounting Pronouncements  In March 2016, the FASB issued ASU No. 2016-09, Compensation—Stock Compensation: Improvements to Employee Share-Based Payment Accounting. This ASU will require recognition of the income tax effects of share-based awards in the income statement when the awards vest or are settled (i.e., Additional Paid-in-Capital pools will be eliminated). The amendments are effective for public companies for annual periods beginning after December 15, 2016. The guidance in the ASU No. 2016-09 was adopted by the Company and did not have a material impact on its consolidated financial statements.   Newly Issued Accounting Standards Not Yet Effective  In May 2014, the FASB issued Accounting Standards Update 2014-09 Revenue from Contracts with Customers (Topic 606) developed as a joint project with the International Accounting Standards Board to remove inconsistencies in revenue requirements and provide a more robust framework for addressing revenue issues. The ASU's r equires that revenue from contracts with clients be recognized upon transfer of control of a good or service in the amount of consideration expected to be received and changes the accounting for certain contract costs, including whether they may be offset against revenue in the statements of income, and requires additional disclosures about revenue and contract costs. The ASU may be adopted using either a modified retrospective method or a full retrospective method. Poage intends to adopt the ASU during the first quarter of 2018, as required, using a modified retrospective approach. Poage’s preliminary analysis suggests that the adoption of this accounting guidance is not expected to have a material impact on the Company's consolidated financial statements as the majority of its revenue stream is generated from financial instruments which are not within the scope of this ASU. While the Company believes this ASU will have an immaterial impact, it continues to evaluate this ASU for changing facts and circumstances in the Company's consolidated operations as the effective date approaches.  In January 2016, the FASB issued ASU No. 2016-01, Financial Instruments—Overall (Subtopic 825-10): Recognition and Measurement of Financial Assets and Financial Liabilities. The ASU makes several modifications to Subtopic 825-10 including the elimination of the available-for-sale classification of equity investments, and requires equity investments with readily determinable fair values to be measured at fair value with changes in fair value recognized in net income. This ASU will become effective for the Company for interim and annual periods beginning after December 15, 2017. The adoption of ASU No. 2016-01 is not expected to have a material effect on the Company’s consolidated operating results or financial condition.  In February 2016, the FASB issued Accounting Standards Update 2016-02 Leases guidance requiring the recognition in the statement of financial position of lease assets and lease liabilities by lessees for those leases classified as operating leases under previous GAAP. The guidance requires that a lessee should recognize lease assets and lease liabilities as compared to previous GAAP that did not require lease assets and lease liabilities to be recognized for most leases. The guidance becomes effective for us on January 1, 2019. The Company leases two facilities. Upon adoption of this standard, an asset will be recorded to recognize the right of the Company to use the leased facilities and a liability will be recorded representing the obligation to make all future lease payments on those facilities. Management is currently evaluating the impact of the new guidance on the Company’s consolidated financial statements.  In June 2016, the FASB issued ASU 2016-13, Financial Instruments - Credit Losses: Measurement of Credit Losses on Financial Instruments (the ASU), which introduces the current expected credit losses methodology. Among other things, the ASU requires the measurement of all expected credit losses for financial assets, including loans and available-for-sale debt securities, held at the reporting date based on historical experience, current conditions, and reasonable and supportable forecasts that affect the collectability of the reported amount. The new model will require institutions to calculate all probable and estimable losses that are expected to be incurred through the loan's entire life. ASU 2016-13 also requires the allowance for credit losses for purchased financial assets with credit deterioration since origination to be determined in a manner similar to that of other financial assets measured at amortized cost; however, the initial allowance will be added to the purchase price rather than recorded as credit loss expense. The disclosure of credit quality indicators related to the amortized cost of financing receivables will be further disaggregated by year of origination (or vintage). Institutions are to apply the changes through a cumulative-effect adjustment to their retained earnings as of the beginning of the first reporting period in which the standard is effective. The amendments are effective for fiscal years beginning after December 15, 2019. Early application will be permitted for fiscal years beginning after December 15, 2018. Management has formed a steering committee that is evaluating the data gathering requirements, available economic forecasting and loss estimation models and potential software that would be employed by the Company to facilitate the adoption of this guidance and its required disclosures on the Company financial statements. Upon adoption, management anticipates an initial one-time increase in the allowance for loan losses alon g with a corresponding decrease in capital as permitted by the standard.  In January 2017, FASB issued ASU 2017-4, Intangible—Goodwill and Other (Topic 350) , to simplify accounting for goodwill impairment. The new guidance will simplify financial reporting because it eliminates the need to determine the fair value of individual assets and liabilities of a reporting unit to measure goodwill impairment. The revised guidance is effective for fiscal years beginning after December 15, 2019. Early adoption is permitted for any impairment tests performed after January 1, 2017. Poage is currently evaluating the impact of the new guidance on its consolidated financial statements.  In March 2017, the FASB issued ASU No. 2017-08, Receivables—Nonrefundable Fee and Other Costs (Subtopic 310-20), Premium Amortization on Purchased Callable Debt Securities. The amendments affect all entities that hold investments in callable debt securities that have an amortized cost basis in excess of the amount that is repayable by the issuer. The amendments requires the premium for certain callable debt securities to be amortized to the earliest call date. The amendments are effective for public companies for annual periods beginning after December 15, 2019. The adoption of ASU No. 2017-08 is not expected to have a material effect on the Company’s consolidated operating results or financial condition.  In May 2017, the FASB issued ASU No. 2017-09, Scope of Modification Accounting which amends the scope of modification accounting for share-based payment arrangements. The ASU provided guidance on the types of changes to the terms or conditions of share-based payment awards to which an entity would be required to apply modification accounting under ASC 718, Compensation—Stock Compensation. Specifically, an entity would not apply modification accounting if the fair value, vesting conditions, and classification of the awards are the same immediately before and after the modification. The amendments are effective for public companies for annual periods beginning after December 15, 2017. The adoption of ASU No. 2017-09 is not expected to have a material effect on the Company’s consolidated operating results or financial condition.  In July 2017, the FASB issued Update No. 2017-11— Earnings Per Share (Topic 260); Distinguishing Liabilities from Equity (Topic 480); Derivatives and Hedging (Topic 815): (Part I) Accounting for Certain Financial Instruments with Down Round Features, (Part II) Replacement of the Indefinite Deferral for Mandatorily Redeemable Financial Instruments of Certain Nonpublic Entities and Certain Mandatorily Redeemable Noncontrolling Interests with a Scope Exception For public business entities, the amendments in Part I of this Update are effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2018. The amendments in Part II of this Update do not require any transition guidance because those amendments do not have an accounting effect. Poage is currently assessing the impact of the new guidance on its consolidated financial statements.   

SECURITIES AVAILABLE FOR SALE

SECURITIES AVAILABLE FOR SALE	9 Months Ended
	Sep. 30, 2017
SECURITIES AVAILABLE FOR SALE [Abstract]
Securities Available for Sale	NOTE 2 - SECURITIES AVAILABLE FOR SALE The amortized cost and fair value of securities available for sale at September 30, 2017 and December 31, 2016 and the corresponding amounts of gross unrealized gains and losses recognized in accumulated other comprehensive income (loss) were as follows (in thousands):     Gross Gross  Amortized Unrealized Unrealized Fair  Cost Gains Losses Value  September 30, 2017  States and political subdivisions $ 19,205 $ 342 $ (16) $ 19,531  U.S. Government agencies and sponsored entities 3,500 - (55) 3,445  Government sponsored entities residential mortgage-backed:  FHLMC 10,983 112 (10) 11,085  FNMA 15,728 70 (26) 15,772  Collateralized mortgage obligations 5,486 3 (54) 5,435  SBA loan pools 9,383 39 (30) 9,392  Total securities $ 64,285 $ 566 $ (191) $ 64,660      Gross Gross  Amortized Unrealized Unrealized Fair  Cost Gains Losses Value  December 31, 2016  States and political subdivisions $ 19,785 $ 291 $ (184) $ 19,892  U.S. Government agencies and sponsored entities 3,500 - (37) 3,463  Government sponsored entities residential mortgage-backed:  FHLMC 10,954 29 (88) 10,895  FNMA 11,349 19 (108) 11,260  Collateralized mortgage obligations 5,495 - (89) 5,406  SBA loan pools 7,411 9 (75) 7,345  Total securities $ 58,494 $ 348 $ (581) $ 58,261  There were no sales of securities for the three and nine months ended September 30, 2017 and 2016 .    The amortized cost and fair value of the securities portfolio at September 30, 2017 are shown in the following table by contractual maturity. Expected maturities may differ from contractual maturities if borrowers have the right to call or prepay obligations with or without call or prepayment penalties. Securities not due at a single maturity date are shown separately (in thousands):     September 30,  2017  Amortized Fair  Cost Value   Within one year $ 1,449 $ 1,453  One to five years 8,536 8,520  Five to ten years 9,799 10,038  Beyond ten years 2,921 2,965  Mortgage-backed securities and collateralized mortgage obligations 32,197 32,292  SBA loan pools 9,383 9,392  Total $ 64,285 $ 64,660        The following table summarizes the securities with unrealized losses at September 30, 2017 and December 31, 2016, aggregated by major security type and length of time in a continuous unrealized loss position (in thousands):     Less Than 12 Months 12 Months or Longer Total  Fair Unrealized Fair Unrealized Fair Unrealized  Value Losses Value Losses Value Losses  September 30, 2017  States and political subdivisions $ 1,747 $ (4) $ 1,065 $ (12) $ 2,812 $ (16)  U.S. Government agencies and sponsored entities 3,444 (55) - - 3,444 (55)  Government sponsored entities residential mortgage backed:  FHLMC 2,684 (10) - - 2,684 (10)  FNMA 6,210 (26) - - 6,210 (26)  Collateralized mortgage obligations 1,408 (5) 3,052 (49) 4,460 (54)  SBA loan pools 4,593 (30) - - 4,593 (30)  Total available-for-sale securities $ 20,086 $ (130) $ 4,117 $ (61) $ 24,203 $ (191)      Less Than 12 Months 12 Months or Longer Total  Fair Unrealized Fair Unrealized Fair Unrealized  Value Losses Value Losses Value Losses  December 31, 2016  States and political subdivisions $ 6,952 $ (184) $ 296 $ - $ 7,248 $ (184)  U.S. Government agencies and sponsored entities 3,463 (37) - - 3,463 (37)  Government sponsored entities residential mortgage backed:  FHLMC 6,479 (88) - - 6,479 (88)  FNMA 6,930 (108) - - 6,930 (108)  Collateralized mortgage obligations 2,671 (33) 2,735 (56) 5,406 (89)  SBA loan pools 5,865 (75) - - 5,865 (75)  Total available-for-sale securities $ 32,360 $ (525) $ 3,031 $ (56) $ 35,391 $ (581)   Unrealized losses on bonds have not been recognized into income because the issuers of the bonds are of high credit quality, management does not intend to sell and it is not more likely than not that management would be required to sell the securities prior to their anticipated recovery, and the decline in fair value is largely due to changes in interest rates. The fair value is expected to recover as the bonds approach maturity. Management evaluates securities for other-than-temporary impairment (“OTTI”) on at least a quarterly basis, and more frequently when economic or market conditions warrant such an evaluation. For securities in an unrealized loss position, management considers the extent and duration of the unrealized loss, and the financial condition and near-term prospects of the issuer. Management also assesses whether it intends to sell, or it is more likely than not that it will be required to sell, a security in an unrealized loss position before recovery of its amortized cost basis. If either of the criteria regarding intent or requirement to sell is met, the entire difference between amortized cost and fair value is recognized as impairment through earnings. For debt securities that do not meet the aforementioned criteria, the amount of impairment is split into two components as follows: 1) OTTI related to credit loss, which must be recognized in the income statement, and 2) OTTI related to other factors, which is recognized in other comprehensive income. Credit loss is defined as the difference between the present value of the cash flows expected to be collected and the amortized cost basis. For equity securities, the entire amount of impairment is recognized through earnings.

LOANS

LOANS	9 Months Ended
	Sep. 30, 2017
LOANS [Abstract]
Loans	NOTE 3 – LOANS Loans at September 30, 2017 and December 31, 2016 were as follows (in thousands):     September 30, December 31,  2017 2016  Real estate:  One to four family $ 171,791 $ 177,801  Multi-family 7,310 6,823  Commercial real estate 82,077 83,169  Construction and land 12,685 11,019  273,863 278,812   Commercial and industrial 36,962 38,747   Consumer  Home equity loans and lines of credit 10,969 10,655  Motor vehicle 10,502 10,624  Other 7,612 7,877  29,083 29,156   Total 339,908 346,715  Less: Net deferred loan fees 485 445  Allowance for loan losses 3,186 2,349  $ 336,237 $ 343,921  On September 12, 2017, the Bank uncovered evidence of suspected fraud involving the origination of fictitious loans by an employee of the Bank. The Bank has informed its fidelity blanket bond insurer of the suspected fraud and engaged an outside firm to perform a forensic audit. To date, the Bank believes it has identified suspected fraudulent loans totaling approximately $1.4 million, but this amount may change based on the results of the ongoing investigation. It is the Company’s conclusion, based on the advice of qualified outside legal counsel, that the bond should provide indemnity for the lost principal of $1.4 million, less a $25,000 deductible, and it is probable that the Bank will recover its loss. T he Company recorded a receivable on insurance proceeds in other assets and a net loss of $25,000 in other expenses during the three months ended September 30, 2017.       The following tables present the balance in the allowance for loan losses and the recorded investment in loans by portfolio segment based on impairment method as of September 30, 2017 and December 31, 2016. Accrued interest receivable and net deferred loan fees are not considered significant and therefore are not included in the loan balances presented in the table below (in thousands):    September 30, 2017  Allowance for Loan Losses Loan Balances  Individually Purchased Collectively Individually Purchased Collectively  Evaluated for Credit-Impaired Evaluated for Evaluated for Credit-Impaired Evaluated for  Loan Segment Impairment Loans Impairment Total Impairment Loans Impairment Total   Real estate $ 222 $ - $ 2,388 $ 2,610 $ 4,862 $ 1,664 $ 267,337 $ 273,863  Commercial and industrial 45 - 320 $ 365 68 - 36,894 36,962  Consumer - - 211 $ 211 32 - 29,051 29,083  Unallocated - - - - - - - -  Total $ 267 $ - $ 2,919 $ 3,186 $ 4,962 $ 1,664 $ 333,282 $ 339,908     December 31, 2016  Allowance for Loan Losses Loan Balances  Individually Purchased Collectively Individually Purchased Collectively  Evaluated for Credit-Impaired Evaluated for Evaluated for Credit-Impaired Evaluated for  Loan Segment Impairment Loans Impairment Total Impairment Loans Impairment Total  Real estate $ 23 $ - $ 1,923 $ 1,946 $ 4,844 $ 1,871 $ 272,097 $ 278,812  Commercial and industrial 7 - 211 218 89 - 38,658 38,747  Consumer - - 185 185 40 1 29,115 29,156  Unallocated - - - - - - - -  Total $ 30 $ - $ 2,319 $ 2,349 $ 4,973 $ 1,872 $ 339,870 $ 346,715    The following table presents information related to impaired loans by class of loans as of September 30, 2017 and December 31, 2016 (in thousands):      September 30, 2017 December 31, 2016  Allowance Allowance  Unpaid for Loan Unpaid for Loan  Principal Recorded Losses Principal Recorded Losses  Balance Investment Allocated Balance Investment Allocated  With no related allowance recorded:  Real Estate:  One to four family $ 632 $ 601 $ - $ 883 $ 883 $ -  Multi-family - - - - - -  Commercial real estate 3,504 3,363 - 3,780 3,726 -  Construction and land 184 184 - 193 193 -  Commercial and industrial 23 23 - 270 82 -  Consumer:  Home equity and lines of credit 32 32 - 40 40 -  Motor vehicle - - - - - -  Other - - - - - -  Subtotal $ 4,375 $ 4,203 $ - $ 5,166 $ 4,924 $ -   With a related allowance recorded:  Real Estate:  One to four family $ 817 $ 714 $ 222 $ 42 $ 42 $ 23  Multi-family - - - - - -  Commercial real estate - - - - - -  Construction and land - - - - - -  Commercial and industrial 45 45 45 7 7 7  Consumer:  Home equity and lines of credit - - - - - -  Motor vehicle - - - - - -  Other - - - - - -  Subtotal 862 759 267 49 49 30  Total $ 5,237 $ 4,962 $ 267 $ 5,215 $ 4,973 $ 30  The recorded investment in loans excludes accrued interest receivable and loan origination fees, net, due to immateriality. For purposes of this disclosure, the unpaid balance is not reduced for partial charge-offs.  The following tables present the average balance of loans individually evaluated for impairment and interest income recognized on these loans for the three and nine months ended September 30, 2017 and 2016 (in thousands):         Three months ended September 30, 2017 Three months ended September 30, 2016  Average Interest Cash Basis Average Interest Cash Basis  Recorded Income Interest Recorded Income Interest  Investment Recognized Recognized Investment Recognized Recognized  Real Estate:  One to four family $ 2,345 $ 1 $ 1 $ 698 $ 1 $ -  Multi-family - - - - - -  Commercial real estate 3,358 29 29 3,089 32 -  Construction and land 169 2 2 - - -  Commercial and industrial 96 1 1 1,001 6 -  Consumer:  Home equity and lines of credit 33 - - 40 - -  Motor vehicle - - - - - -  Other - - - - - -  Total $ 6,001 $ 33 $ 33 $ 4,828 $ 39 $ -        Nine months ended September 30, 2017 Nine months ended September 30, 2016  Average Interest Cash Basis Average Interest Cash Basis  Recorded Income Interest Recorded Income Interest  Investment Recognized Recognized Investment Recognized Recognized  Real Estate:  One to four family $ 1,710 $ 16 $ 16 $ 854 $ 7 $ -  Multi-family - - - - - -  Commercial real estate 2,991 99 94 1,287 101 -  Construction and land 122 6 5 - - -  Commercial and industrial 196 1 1 499 31 -  Consumer:  Home equity and lines of credit 32 - - 23 1 -  Motor vehicle - - - - - -  Other - - - - - -  Total $ 5,051 $ 122 $ 116 $ 2,663 $ 140 $ -  The following tables set forth an analysis of our allowance for loan losses for the three and nine months ended September 30, 2017 and 2016 (in thousands):      Three months ended Commercial  September 30, 2017 Real Estate and Industrial Consumer Unallocated Total   Allowance for loan losses:  Beginning balance $ 2,244 $ 233 $ 210 $ - $ 2,687  Provision for loan losses 811 123 13 - 947  Loans charged-off (449) - (27) - (476)  Recoveries 4 9 15 - 28  Total ending allowance balance $ 2,610 $ 365 $ 211 $ - $ 3,186      Nine months ended Commercial  September 30, 2017 Real Estate and Industrial Consumer Unallocated Total   Allowance for loan losses:  Beginning balance $ 1,946 $ 218 $ 185 $ - $ 2,349  Provision for loan losses 1,397 134 115 - 1,646  Loans charged-off (742) (23) (137) - (902)  Recoveries 9 36 48 - 93  Total ending allowance balance $ 2,610 $ 365 $ 211 $ - $ 3,186      Three months ended Commercial  September 30, 2016 Real Estate and Industrial Consumer Unallocated Total   Allowance for loan losses:  Beginning balance $ 1,797 $ 126 $ 144 $ - $ 2,067  Provision for loan losses 249 58 45 - 352  Loans charged-off (83) - (51) - (134)  Recoveries 7 5 20 - 32  Total ending allowance balance $ 1,970 $ 189 $ 158 $ - $ 2,317       Nine months ended Commercial  September 30, 2016 Real Estate and Industrial Consumer Unallocated Total   Allowance for loan losses:  Beginning balance $ 1,676 $ 77 $ 105 $ - $ 1,858  Provision for loan losses 527 151 134 - 812  Loans charged-off (250) (77) (165) - (492)  Recoveries 17 38 84 - 139  Total ending allowance balance $ 1,970 $ 189 $ 158 $ - $ 2,317   Nonaccrual loans, and loans past due 90 days still on accrual status, consist of smaller balance homogeneous loans that are collectively evaluated for impairment.      The following table presents the recorded investment in nonaccrual and loans past due over 90 days still on accrual status, by class of loans, as of September 30, 2017 and December 31, 2016 (in thousands):     September 30, 2017 December 31, 2016  Loans Past Due Loans Past Due  Over 90 Days Over 90 Days  Nonaccrual Still Accruing Nonaccrual Still Accruing  Real estate:  One to four family $ 2,882 $ - $ 3,428 $ -  Multi-family - - - -  Commercial real estate 1,337 - 970 -  Construction and land 36 - 41 -  Commercial and industrial 28 - 90 -  Consumer:  Home equity loans and lines of credit 167 - 155 -  Motor vehicle 30 - - -  Other 19 - 5 -  Total $ 4,499 $ - $ 4,689 $ -   The following tables present the aging of the recorded investment in past due loans as of September 30, 2017 and December 31, 2016 by class of loans. Non-accrual loans of $4.5 million as of September 30, 2017 and $4.7 million at December 31, 2016 are included in the tables below and have been categorized based on their payment status (in thousands):     30 - 59 60 - 89 Greater than Purchased  Days Days 89 Days Total Credit-Impaired Loans Not  Past Due Past Due Past Due Past Due Loans Past Due Total  September 30, 2017  Real estate:  One to four family $ 1,286 $ 227 $ 1,144 $ 2,657 $ 946 $ 168,188 $ 171,791  Multi-family - - - - - 7,310 7,310  Commercial real estate 535 - 1,019 1,554 718 79,805 82,077  Construction and land - - - - - 12,685 12,685  Commercial and industrial 532 20 19 571 - 36,391 36,962  Consumer:  Home equity loans and lines of credit - 68 99 167 - 10,802 10,969  Motor vehicle 59 - 19 78 - 10,424 10,502  Other 14 3 11 28 - 7,584 7,612  Total $ 2,426 $ 318 $ 2,311 $ 5,055 $ 1,664 $ 333,189 $ 339,908      30 - 59 60 - 89 Greater than Purchased  Days Days 89 Days Total Credit-Impaired Loans Not  Past Due Past Due Past Due Past Due Loans Past Due Total  December 31, 2016  Real estate:  One to four family $ 899 $ 454 $ 1,679 $ 3,032 $ 1,013 $ 173,756 $ 177,801  Multi-family - - - - - 6,823 6,823  Commercial real estate 101 - 465 566 858 81,745 83,169  Construction and land 41 - - 41 - 10,978 11,019  Commercial and industrial 1 47 76 124 - 38,623 38,747  Consumer:  Home equity loans and lines of credit - 1 155 156 - 10,499 10,655  Motor vehicle 40 15 - 55 - 10,569 10,624  Other 2 20 - 22 1 7,854 7,877  Total $ 1,084 $ 537 $ 2,375 $ 3,996 $ 1,872 $ 340,847 $ 346,715   Troubled Debt Restructurings :  As of September 30, 2017, the Company had a recorded investment in six TDRs which totaled $3.3 million. There were three TDRs which totaled $3.2 million at December 31, 2016. A less than market rate and extended term was granted as concessions for TDRs. No additional charge-off has been made for the loan relationships. No additional commitments to lend have been made to the borrower. The Company has allocated $20,000 and $0 of specific allowance for the loan relationships at September 30, 2017 and December 31, 2016.      September 30, 2017 TDRs on  (in thousands) Non-accrual Other TDRs Total TDRs  Real Estate:  One to four family $ 143 $ 16 $ 159  Multi-family - - -  Commercial real estate 942 2,195 3,137  Construction and land - - -  Commercial and industrial - - -  Consumer:  Home equity loans and lines of credit - - -  Motor vehicle - - -  Other - - -  Total $ 1,085 $ 2,211 $ 3,296     December 31, 2016 TDRs on  (in thousands) Non-accrual Other TDRs Total TDRs  Real Estate:  One to four family $ - $ 17 $ 17  Multi-family - - -  Commercial real estate 166 3,047 3,213  Construction and land - - -  Commercial and industrial 19 - 19  Consumer:  Home equity loans and lines of credit - - -  Motor vehicle - - -  Other - - -  Total $ 185 $ 3,064 $ 3,249     The following table presents TDRs that occurred during the three and nine months ended September 30, 2017 and 2016 (dollars in thousands):    Three months ended September 30, 2017 Three months ended September 30, 2016  Loan Class Number of Loans Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment Number of Loans Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment  Real Estate:  One to four family - $ - $ - - $ - $ -  Multi-family - - - - - -  Commercial real estate - - - 2 3,053 3,053  Construction and land - - - - - -  Commercial and industrial - - - - - -  Consumer:  Home equity loans and lines of credit - - - - - -  Motor vehicle - - - - - -  Other - - - - - -  Total - $ - $ - 2 $ 3,053 $ 3,053       Nine months ended September 30, 2017 Nine months ended September 30, 2016  Loan Class Number of Loans Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment Number of Loans Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment  Real Estate:  One to four family 2 $ 148 $ 148 1 $ 17 $ 17  Multi-family - - - - - -  Commercial real estate 1 117 117 2 3,053 3,053  Construction and land - - - - - -  Commercial and industrial - - - - - -  Consumer:  Home equity loans and lines of credit - - - - - -  Motor vehicle - - - - - -  Other - - - - - -  Total 3 $ 265 $ 265 3 $ 3,070 $ 3,070            There were 2 TDRs considered to be in default within twelve months of modification as of September 30, 2017. A loan is considered to be in payment default once it is 90 days contractually past due under the modified terms. There were no defaults that occurred during the three months ended September 30, 2017 and 2016. The following table includes defaults that occurred during the nine months ended September 30, 2017 and 2016 which were within twelve months of modification.      Nine months ended September 30, 2017 Nine months ended September 30, 2016  TDRs on Other Total TDRs on Other Total  (in thousands) Non-accrual TDRs TDRs Non-accrual TDRs TDRs  Real Estate:  One to four family $ 114 $ - $ 114 $ - $ - $ -  Multi-family - - - - - -  Commercial real estate 833 - 833 - - -  Construction and land - - - - - -  Commercial and industrial - - - - - -  Consumer:  Home equity loans and lines of credit - - - - - -  Motor vehicle - - - - - -  Other - - - - - -  Total $ 947 $ - $ 947 $ - $ - $ -                 CREDIT QUALITY INDICATORS: The Company categorizes loans into risk categories based on relevant information about the ability of borrowers to service their debt such as: current financial information, historical payment experience, credit documentation, public information, and current economic trends, among other factors. The Company analyzes loans individually by classifying the loans as to credit risk. This analysis includes all non-homogeneous loans, such as commercial and commercial real estate loans. The analysis for residential real estate and consumer loans primarily includes review of past due status. This analysis is performed on a quarterly basis. The Company uses the following definitions for risk ratings: Special Mention. Loans classified as special mention have a potential weakness that deserves management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the loan or of the institution’s credit position at some future date. Substandard. Loans classified as substandard are inadequately protected by the current net worth and paying capacity of the obligor or of the collateral pledged, if any. Loans so classified have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that the institution will sustain some loss if the deficiencies are not corrected. Doubtful. Loans classified as doubtful have all the weaknesses inherent in those classified as substandard, with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions, and values, highly questionable and improbable.  Loss. Loans classified as loss are considered uncollectable and of such little value that continuing to carry them as an asset is not feasible. Loans will be classified as a loss when it is not practical or desirable to defer writing off or reserving all or a portion of a basically worthless asset, even though partial recovery may be possible at some time in the future. Loans not meeting the criteria above that are analyzed individually as part of the above described process are considered to be pass rated loans. Based on the most recent analysis performed, the risk category of loans by class of loans is as follows (in thousands):     Special  September 30, 2017 Pass Mention Substandard Doubtful Loss Total  One to four family $ 164,772 $ 1,409 $ 5,610 $ - $ - $ 171,791  Multi-family 7,310 - - - - 7,310  Commercial real estate 74,466 2,484 5,127 - - 82,077  Construction and land 12,501 - 184 - - 12,685  Commercial and industrial 30,665 420 5,837 40 - 36,962  Home equity loans and lines of credit 10,708 - 261 - - 10,969  Motor vehicle 10,391 22 89 - - 10,502  Other 7,603 1 8 - - 7,612  Total $ 318,416 $ 4,336 $ 17,116 $ 40 $ - $ 339,908      Special  December 31, 2016 Pass Mention Substandard Doubtful Loss Total  One to four family $ 171,109 $ 2,167 $ 4,525 $ - $ - $ 177,801  Multi-family 6,823 - - - - 6,823  Commercial real estate 74,267 4,048 4,854 - - 83,169  Construction and land 10,826 - 193 - - 11,019  Commercial and industrial 36,172 1,802 773 - - 38,747  Home equity loans and lines of credit 10,478 6 171 - - 10,655  Motor vehicle 10,594 2 28 - - 10,624  Other 7,872 - 5 - - 7,877  Total $ 328,141 $ 8,025 $ 10,549 $ - $ - $ 346,715  There were $1.7 million and $1.9 million purchased credit impaired (“PCI”) loans included in substandard loans at September 30, 2017 and December 31, 2016, respectively. The Company holds purchased loans without evidence of credit quality deterioration. In addition, the Company holds purchased loans for which there was, at their acquisition date, evidence of deterioration of credit quality since their origination and it was probable that all contractually required payments would not be collected. A summary of non-impaired purchased loans and credit-impaired purchased loans with the carrying amount of those loans is as follows at September 30, 2017 and December 31, 2016 (in thousands):      Non-impaired Credit-impaired  Purchased Purchased  Purchased Loans as of September 30, 2017 Loans Loans  Real estate:  One to four family $ 26,803 $ 946  Multi-family 2,011 -  Commercial real estate 16,035 718  Construction and land 521 -  Commercial and industrial 1,733 -  Consumer loans:  Home equity loans and lines of credit 1,091 -  Motor vehicle 62 -  Other 556 -  Total loans $ 48,812 $ 1,664      Non-impaired Credit-impaired  Purchased Purchased  Purchased Loans as of December 31, 2016 Loans Loans  Real estate:  One to four family $ 30,449 $ 1,013  Multi-family 2,115 -  Commercial real estate 19,278 858  Construction and land 652 -  Commercial and industrial 2,783 -  Consumer loans:  Home equity loans and lines of credit 1,433 -  Motor vehicle 202 -  Other 706 1  Total loans $ 57,618 $ 1,872  For the purchased loans disclosed above, the Company did not increase the allowance for loan losses for the three and nine months ended September 30, 2017 and 2016. The following table presents the composition of the acquired loans at September 30, 2017:     As of September 30, 2017  Contractual Remaining Carrying  (in thousands) Amount Discount Amount  Real estate:  One to four family $ 28,144 $ (395) $ 27,749  Multi-family 2,017 (6) 2,011  Commercial real estate 16,960 (207) 16,753  Construction and land 523 (2) 521  Commercial and industrial 1,738 (5) 1,733  Consumer loans:  Home equity loans and lines of credit 1,096 (5) 1,091  Motor vehicle 62 - 62  Other 558 (2) 556  Total loans $ 51,098 $ (622) $ 50,476  The following tables presents the purchased loans that are included within the scope of ASC Topic 310-30, Loans and Debt Securities Acquired with Deteriorated Credit Quality, as of September 30, 2017 and December 31, 2016.      (in thousands) September 30, 2017 December 31, 2016   Carrying amount $ 1,664 $ 1,872  Non-accretable difference 258 272  Accretable yield 113 146  Contractually-required principal and interest payments $ 2,035 $ 2,290  The Company adjusted interest income to recognize $9,000 and $33,000 for the three and nine months ended September 30, 2017 of accretable yield on credit-impaired purchased loans. The Company adjusted interest income to recognize $42,000 and $128,000 for the three and nine months ended September 30, 2016 of accretable yield on credit-impaired purchased loans.  Accretable yield, or income expected to be collected, is as follows for the nine months ended September 30, 2017 and 2016 (in thousands):      2017 2016   Balance at January 1 $ 146 $ 292  New Loans Purchased - -  Accretion of income (33) (128)  Reclassifications from nonaccretable difference - -  Disposals - -  Balance at September 30 $ 113 $ 164 

FEDERAL HOME LOAN BANK ADVANCES

FEDERAL HOME LOAN BANK ADVANCES AND OTHER BORROWINGS	9 Months Ended
	Sep. 30, 2017
Federal Home Loan Bank Advances and Other Borrowings [Abstract]
Federal Home Loan Bank Advances and Other Borrowings	NOTE 4 – FEDERAL HOME LOAN BANK ADVANCES AND OTHER BORROWINGS Advances from the FHLB at September 30, 2017 and December 31, 2016 were as follows (dollars in thousands):      September 30, 2017 December 31, 2016  Maturities December 2017 through January 2029, fixed rate at rates from 1.22% to 4.27% , weighted average rate of 1.69% at September 30, 2017 and 1.80% at December 31, 2016 $ 10,805 $ 9,332 Payments contractually required over the next five years are as follows as of September 30, 2017 (in thousands):                       September 30,  2018 $ 9,685  2019 632  2020 93  2021 79  2022 67  Thereafter 249  Total $ 10,805  Other borrowings at September 30, 2017 were $1.5 million. There were no other borrowings at December 31, 2016. On June 16, 2016, Poage Bankshares, Inc. executed a $2.0 million commercial line of credit secured with Town Square Bank common stock, with an unaffiliated lender. The initial variable rate on the line of credit was 4.0% with an interest rate equal to the Wall Street Prime plus 0.50% . On June 20, 2017, the Company borrowed $1.5 million for general working capital purposes and stock repurchases. At September 30, 2017, the interest rate on the line of credit was 4. 7 5% . The line of credit matures June 16, 2018.

FAIR VALUE

FAIR VALUE	9 Months Ended
	Sep. 30, 2017
Fair Value [Abstract]
Fair Value	NOTE 5 – FAIR VALUE Fair value is the exchange price that would be received for an asset or paid to transfer a liability (exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. There are three levels of inputs that may be used to measure fair values: Level 1 – Quoted prices (unadjusted) for identical assets or liabilities in active markets that the entity has the ability to access as of the measurement date. Level 2 – Significant other 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. Level 3 – Significant unobservable inputs that reflect a company’s own assumptions about the assumptions that market participants would use in pricing an asset or liability.  The Company used the following methods and significant assumptions to estimate fair value: Securities : The fair values for securities are determined by quoted market prices, if available (Level 1). If quoted market prices are not available, fair values are based on quoted market prices of similar securities (Level 2). This includes the use of “matrix pricing” used to value debt securities absent the exclusive use of quoted prices. For securities where quoted prices or market prices of similar securities are not available, fair values are calculated using discounted cash flows (Level 3).  Impaired Loans : The fair value of impaired loans with specific allocations of the allowance for loan losses is generally based on recent real estate appraisals. Adjustments are routinely made in the appraisal process by the independent appraisers to adjust for differences between the comparable sales and income data available for similar loans and collateral underlying such loans. Non-real estate collateral may be valued using an appraisal, net book value per the borrower’s financial statements, or aging reports, adjusted or discounted based on management’s historical knowledge, changes in market conditions from the time of the valuation, and management’s expertise and knowledge of the client and client’s business, resulting in a Level 3 fair value classification. Impaired loans are evaluated on a quarterly basis for additional impairment and adjusted in accordance with the allowance policy. Other Real Estate Owned : Nonrecurring adjustments to certain commercial and residential real estate properties classified as other real estate owned (OREO) are measured at the lower of carrying amount or fair value, less estimated costs to sell. Fair values are generally based on third party appraisals of the property resulting in a Level 3 classification. In cases where the carrying amount exceeds the fair value, less estimated costs to sell, an impairment loss is recognized.  Assets and liabilities measured at fair value on a recurring basis, at September 30, 2017 and December 31, 2016, are as follows (in thousands):      Fair Value Measurements at  September 30, 2017 Using:  Quoted Prices in Significant Significant  Active Markets for Other Observable Unobservable  Carrying Identical Assets Inputs Inputs  Value (Level 1) (Level 2) (Level 3)  Financial Assets  Securities:  States and political subdivisions $ 19,531 $ - $ 19,531 $ -  U.S. Government agencies and sponsored entities 3,445 - 3,445 -  Mortgage backed securities: residential 26,857 - 26,857 -  Collateralized mortgage obligations 5,435 - 5,435 -  SBA loan pools 9,392 - 9,392 -  Total securities $ 64,660 $ - $ 64,660 $ -      Fair Value Measurements at  December 31, 2016 Using:  Quoted Prices in Significant Significant  Active Markets for Other Observable Unobservable  Carrying Identical Assets Inputs Inputs  Value (Level 1) (Level 2) (Level 3)  Financial Assets  Securities:  States and political subdivisions $ 19,892 $ - $ 19,892 $ -  U.S. Government agencies and sponsored entities 3,463 - 3,463 -  Mortgage backed securities: residential 22,155 - 22,155 -  Collateralized mortgage obligations 5,406 - 5,406 -  SBA loan pools 7,345 - 7,345 -  Total securities $ 58,261 $ - $ 58,261 $ - There were no transfers between Level 1 and Level 2 during the nine months ended September 30, 2017. Assets measured at fair value on a non-recurring basis at September 30, 2017 and December 31, 2016 are summarized below (in thousands):     Fair Value Measurements at  September 30, 2017 Using:  Quoted Prices in Significant Significant  Active Markets for Other Observable Unobservable  Carrying Identical Assets Inputs Inputs  Value (Level 1) (Level 2) (Level 3)   Impaired loans  Residential real estate, net $ 509 $ - $ - $ 509   Other real estate owned  Residential real estate, net $ 214 $ - $ - $ 214  Commercial real estate, net 46 - - 46        Fair Value Measurements at  December 31, 2016 Using:  Quoted Prices in Significant Significant  Active Markets for Other Observable Unobservable  Carrying Identical Assets Inputs Inputs  Value (Level 1) (Level 2) (Level 3)  Impaired loans  Residential real estate, net $ 613 $ - $ - $ 613  Commercial real estate, net 250 - - 250  Commercial and industrial, net 58 - - 58   Other real estate owned  Residential real estate, net $ 268 $ - $ - $ 268  Commercial real estate, net 8 - - 8  Commercial and residential real estate properties classified as OREO are measured at fair value, less estimated costs to sell. Fair values are based on recent real estate appraisals. These appraisals may use a single valuation approach or a combination of approaches including comparable sales and the income approach. Adjustments are routinely made in the appraisal process by the independent appraisers to adjust for differences between the comparable sales and income data available. Such adjustments are usually significant and typically result in a Level 3 classification of the inputs for determining fair value. Appraisals for real estate properties classified as other real estate owned are performed by certified general appraisers (for commercial properties) or certified residential appraisers (for residential properties) whose qualifications and licenses have been reviewed and verified by the Bank’s management. The appraisal values are discounted to allow for estimated selling expenses and fees, and the discounts range from 5% to 10% .  At September 30, 2017, impaired loans recorded at fair value had a net carrying amount of $509,000 equal to the outstanding balance of $776,000 , net of a valuation allowance of $267,000 . At December 31, 2016, impaired loans recorded at fair value had a net carrying amount of $921,000 equal to the outstanding balance of $951,000 , net of a valuation allowance of $30,000 . There were charge-offs of $353,000 and $391,000 for the three and nine months ended September 30, 2017 , and $0 and $31,000 for the three and nine months ended September 30, 2016. There Company recorded provisions of $294,000 and $488,000 for the three and nine months ended September 30, 2017, and $10,000 and $80,000 for the three and nine months ended September 30, 2016. At September 30, 2017, OREO recorded at fair value had a net carrying amount of $260,000 equal to the outstanding balance of $362,000, net of a valuation allowance of $102,000 . There were $42,000 in write-downs for the three months ended September 30, 2017 and $100,000 in write-downs for the nine months ended September 30, 2017. There were $34,000 in write-downs for the three months ended September 30, 2016 and $48,000 in write-downs for the nine months ended September 30, 2016. At December 31, 2016, other real estate owned recorded at fair value had a net carrying amount of $276,000 , equal to the outstanding balance of $390,000 , net of a valuation allowance of $114,000 . The carrying amounts and estimated fair values of financial instruments at September 30, 2017 and December 31, 2016 are as follows (in thousands):      Fair Value Measurements  Carrying  September 30, 2017 Value Level 1 Level 2 Level 3 Total   Financial assets  Cash and cash equivalents $ 25,822 $ 25,822 $ - $ - $ 25,822  Interest-bearing deposits 2,490 - 2,502 - 2,502  Securities 64,660 - 64,660 - 64,660  Restricted stock 3,276 N/A N/A N/A N/A  Loans, net 336,237 - - 340,373 340,373  Accrued interest receivable 1,307 - 333 974 1,307   Financial liabilities  Deposits $ 374,913 $ 209,701 $ 165,031 $ - $ 374,732  Other borrowings 1,500 - 1,500 - 1,500  Federal Home Loan Bank advances 10,805 - 10,810 - 10,810  Subordinated debenture 2,873 - 2,403 - 2,403  Accrued interest payable 80 - 80 - 80        Fair Value Measurements  Carrying  December 31, 2016 Value Level 1 Level 2 Level 3 Total   Financial assets  Cash and cash equivalents $ 24,389 $ 24,389 $ - $ - $ 24,389  Interest bearing deposits 1,992 - 1,992 - 1,992  Securities 58,261 - 58,261 - 58,261  Restricted stock 3,276 N/A N/A N/A N/A  Loans held for sale 611 - 611 - 611  Loans, net 343,921 - - 341,288 341,288  Accrued interest receivable 1,397 - 300 1,097 1,397   Financial liabilities  Deposits $ 374,708 $ 164,914 $ 179,266 $ - $ 344,180  Federal Home Loan Bank advances 9,332 5,004 4,454 - 9,458  Subordinated debenture 2,825 - 2,825 - 2,825  Accrued interest payable 52 - 52 - 52  The methods and assumptions, not previously presented, used to estimate fair values are described as follows: Cash and Cash Equivalents: The carrying amounts of cash and short-term instruments approximate fair values and are classified as Level 1. Restricted Stock: It is not practical to determine the fair value of FHLB and Bankers Bank of Kentucky stock due to restrictions placed on their transferability.  Loans: Fair values of loans, excluding loans held for sale, are estimated as follows: For variable rate loans that reprice frequently and with no significant change in credit risk, fair values are based on carrying values resulting in a Level 3 classification. Fair values for other loans are estimated using discounted cash flow analyses, using interest rates currently being offered for loans with similar terms to borrowers of similar credit quality resulting in a Level 3 classification. The methods utilized to estimate the fair value of loans do not necessarily represent an exit price. The fair value of loans held for sale is estimated based upon binding contracts and quotes from third party investors resulting in a Level 2 classification. Deposits: The fair values disclosed for demand deposits (e.g., interest and non-interest checking, passbook savings, and certain types of money market accounts) are by definition equal to the amount payable on demand at the reporting date (i.e., their carrying amount) resulting in a Level 1 classification. The carrying amounts of variable rate, fixed-term money market accounts and certificates of deposit approximate their fair values at the reporting date resulting in a Level 1 classification. Fair values for fixed rate certificates of deposit are estimated using a discounted cash flows calculation that applies interest rates currently being offered on certificates to a schedule of aggregated expected monthly maturities on time deposits resulting in a Level 2 classification. Other borrowings, Federal Home Loan Bank advances and Subordinate debenture: The fair values of the Company’s long-term borrowings are estimated using discounted cash flow analyses based on the current borrowing rates for similar types of borrowing arrangements resulting in a Level 2 classification. Accrued Interest Receivable/Payable: The carrying amounts of accrued interest approximate fair value and are classified by level consistent with the level of the related assets or liabilities.

ESOP

ESOP	9 Months Ended
	Sep. 30, 2017
ESOP [Abstract]
ESOP	NOTE 6 - ESOP Employees participate in an Employee Stock Ownership Plan (“ESOP”). The ESOP borrowed from the Company to purchase 269,790 shares of the Company’s common stock at $10 per share. The Company makes discretionary contributions to the ESOP, and pays dividends on unallocated shares to the ESOP, and the ESOP uses funds it receives to repay the loan. When loan payments are made, ESOP shares are allocated to participants based on relative compensation and expense is recorded. Dividends on allocated shares increase participant accounts. Participants receive the shares at the end of employment. There were no contributions to the ESOP for the three and nine months ended September 30, 2017 and 2016. Shares held by the ESOP at September 30, 2017 and December 31, 2016 were as follows (dollars in thousands):     September 30, December 31,  2017 2016  Allocated to participants 64,148 54,165  Committed to be released 10,152 13,501  Unearned 188,806 198,958  Total ESOP shares 263,106 266,624   Fair value of unearned shares $ 3,417 $ 3,740

EARNINGS PER SHARE

EARNINGS PER SHARE	9 Months Ended
	Sep. 30, 2017
Earnings Per Share [Abstract]
Earnings Per Share	NOTE 7 – EARNINGS PER SHARE The factors used in the earnings per share computation for the three and nine months ended September 30, 2017 and 2016, were as follows (dollar amounts in thousands, except per share data):     Three months ended Nine months ended  September 30, September 30,  2017 2016 2017 2016  Basic  Net income (loss) $ (18) $ 364 $ 812 $ 1,551  Less: Earnings (loss) allocated to participating securities - 3 5 16  Net income (loss) available to common shareholders $ (18) $ 361 807 1,535   Weighted average common shares outstanding 3,522,121 3,764,946 3,627,092 3,808,622  Less: Average unallocated ESOP shares 191,037 204,571 194,388 207,922  Average participating shares 15,357 31,098 21,170 39,139  Average shares 3,315,727 3,529,277 3,411,534 3,561,561   Basic earnings (loss) per common share $ (0.01) $ 0.10 $ 0.23 $ 0.43   Diluted  Net income (loss) available to common shareholders $ (18) $ 361 $ 807 $ 1,535   Weighted average common shares outstanding for basic earnings per common share 3,315,727 3,529,277 3,411,534 3,561,561  Add: Dilutive effects of assumed exercises of stock options - 31,012 29,765 20,744  Average shares and dilutive potential common shares 3,315,727 3,560,289 3,441,299 3,582,305   Diluted earnings (loss) per common share $ (0.01) $ 0.10 $ 0.23 $ 0.43  All stock were considered anti-dilutive for the three months ended September 30, 2017. There were no stock options considered antidilutive for the nine months ended September 30, 2017 and the three and nine months ended September 30, 2016.

STOCK BASED COMPENSATION

STOCK BASED COMPENSATION	9 Months Ended
	Sep. 30, 2017
Stock Based Compensation [Abstract]
Stock Based Compensation	NOTE 8 – STOCK BASED COMPENSATION On January 8, 2013, the shareholders of Poage Bankshares, Inc. approved the Poage Bankshares, Inc. 2013 Equity Incentive Plan (the “Plan”) for employees and directors of the Company. The Plan authorizes the issuance of up to 472,132 shares of the Company’s common stock, with no more than 134,895 of shares as restricted stock awards and 337,237 as stock options, either incentive stock options or non-qualified stock options. The exercise price of options granted under the Plan may not be less than the fair market value on the date the stock option is granted. The compensation committee of the board of directors has sole discretion to determine the amount and to whom equity incentive awards are granted. On April 16, 2013, the compensation committee of the board of directors approved the issuance of 134,895 shares of restricted stock to its directors and officers. In addition, on May 10, 2013, the compensation committee of the board of directors approved the issuance of 300,000 stock options to its directors and officers. An additional 20,000 stock option shares were issued on March 19, 2014 as a result of the acquisition of Town Square Financial Corporation by Poage Bankshares, Inc. An additional 5,000 stock option shares were issued on May 31, 2015 to employees. All stock options and restricted stock awards vest ratably over five years. Stock options expire ten years after issuance. Apart from the vesting schedule for both stock options and restricted stock, there are no performance-based conditions or any other material conditions applicable to the awards issued. The following table summarizes stock option activity for the nine months ended September 30, 2017:     Weighted Average  Options Exercise Price   Outstanding -December 31, 2016 179,900 $ 14.92  Granted - -  Exercised and settled (37,050) 14.99  Forfeited - -  Outstanding -September 30, 2017 142,850 $ 14.90   Fully vested and exercisable at September 30, 2017 100,600  Fully vested and exercisable at December 31, 2016 101,400  Expected to vest in future periods 42,250   Stock options are assumed to be earned ratably over their respective vesting periods and charged to compensation expense based upon their grant date fair value and the number of options assumed to be earned. At September 30, 2017, 142,850 options were outstanding and 100,600 options were fully vested and exercisable with intrinsic value of $457,000 and $322,000 , respectively. At December 31, 2016, 179,900 options were outstanding and 101,400 options were fully vested and exercisable with intrinsic value of $698,000 and $393,000 , respectively.  During the nine months ended September 30, 2017, 36,250 options vested. Stock-based compensation expense for stock options included in salaries and benefits for the three and nine months ended September 30, 2017 and 2016 was $18,000 , $54,000 , $18,000 and $68,000 , respectively. Total unrecognized compensation cost related to non-vested stock options was $58,000 at September 30, 2017 and $112,000 at December 31, 2016 and is expected to be recognized over a period of 2.6 years. During the nine months ended September 30, 2017, the aggregate intrinsic value of the options exercised under the plan was $164,000 determined as of the date of the option exercise. The following table summarizes non-vested restricted stock activity for the nine months ended September 30, 2017:     Balance -December 31, 2016 30,471  Granted -  Forfeited -  Vested (15,114)  Balance -September 30, 2017 15,357 The fair value of the restricted stock awards is amortized to compensation expense over the vesting period (generally five years) and is based on the market price of the Company’s common stock at the date of the grant multiplied by the number of shares granted that are expected to vest. Stock-based compensation expense for the restricted stock included in salaries and benefits for the three and nine months ended September 30, 2017 and 2016 was $58,000 , $173,000 , $55,000 and $233,000 , respectively. Unrecognized compensation expense for non-vested restricted stock awards was $126,000 at September 30, 2017 and $299,000 at December 31, 2016 and is expected to be recognized over a weighted-average period of 1.1 years.

ACCUMULATED OTHER COMPREHENSIVE

ACCUMULATED OTHER COMPREHENSIVE INCOME	9 Months Ended
	Sep. 30, 2017
Accumulated Other Comprehensive Income [Abstract]
Accumulated Other Comprehensive Income (Loss)	NOTE 9 – ACCUMULATED OTHER COMPREHENSIVE INCOME The following table is changes in Accumulated Other Comprehensive Income by component, net of tax, for the three and nine months ended September 30, 2017 and 2016 (in thousands) :           Unrealized Gains and Losses on Available-for-Sale Securities  Three months ended Nine months ended  September 30, September 30,  2017 2016 2017 2016  Beginning balance $ 316 $ 913 $ (153) $ 384   Other comprehensive income (loss), net of tax before reclassification (68) (89) 401 438   Amounts reclassified from accumulated other comprehensive income for loss on call of securities, net of tax expense of $0 , $0 , $0 and $1 respectively - - - 2   Net current period other comprehensive income (loss) (68) (89) 401 440   Ending Balance $ 248 $ 824 $ 248 $ 824  

BASIS OF PRESENTATION AND SUM18

BASIS OF PRESENTATION AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies)	9 Months Ended
	Sep. 30, 2017
BASIS OF PRESENTATION AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]
Recently Adopted Accounting Pronouncements	Recently Adopted Accounting Pronouncements  In March 2016, the FASB issued ASU No. 2016-09, Compensation—Stock Compensation: Improvements to Employee Share-Based Payment Accounting. This ASU will require recognition of the income tax effects of share-based awards in the income statement when the awards vest or are settled (i.e., Additional Paid-in-Capital pools will be eliminated). The amendments are effective for public companies for annual periods beginning after December 15, 2016. The guidance in the ASU No. 2016-09 was adopted by the Company and did not have a material impact on its consolidated financial statements.
Newly Issued Accounting Standards Not Yet Effective	Newly Issued Accounting Standards Not Yet Effective  In May 2014, the FASB issued Accounting Standards Update 2014-09 Revenue from Contracts with Customers (Topic 606) developed as a joint project with the International Accounting Standards Board to remove inconsistencies in revenue requirements and provide a more robust framework for addressing revenue issues. The ASU's r equires that revenue from contracts with clients be recognized upon transfer of control of a good or service in the amount of consideration expected to be received and changes the accounting for certain contract costs, including whether they may be offset against revenue in the statements of income, and requires additional disclosures about revenue and contract costs. The ASU may be adopted using either a modified retrospective method or a full retrospective method. Poage intends to adopt the ASU during the first quarter of 2018, as required, using a modified retrospective approach. Poage’s preliminary analysis suggests that the adoption of this accounting guidance is not expected to have a material impact on the Company's consolidated financial statements as the majority of its revenue stream is generated from financial instruments which are not within the scope of this ASU. While the Company believes this ASU will have an immaterial impact, it continues to evaluate this ASU for changing facts and circumstances in the Company's consolidated operations as the effective date approaches.  In January 2016, the FASB issued ASU No. 2016-01, Financial Instruments—Overall (Subtopic 825-10): Recognition and Measurement of Financial Assets and Financial Liabilities. The ASU makes several modifications to Subtopic 825-10 including the elimination of the available-for-sale classification of equity investments, and requires equity investments with readily determinable fair values to be measured at fair value with changes in fair value recognized in net income. This ASU will become effective for the Company for interim and annual periods beginning after December 15, 2017. The adoption of ASU No. 2016-01 is not expected to have a material effect on the Company’s consolidated operating results or financial condition.  In February 2016, the FASB issued Accounting Standards Update 2016-02 Leases guidance requiring the recognition in the statement of financial position of lease assets and lease liabilities by lessees for those leases classified as operating leases under previous GAAP. The guidance requires that a lessee should recognize lease assets and lease liabilities as compared to previous GAAP that did not require lease assets and lease liabilities to be recognized for most leases. The guidance becomes effective for us on January 1, 2019. The Company leases two facilities. Upon adoption of this standard, an asset will be recorded to recognize the right of the Company to use the leased facilities and a liability will be recorded representing the obligation to make all future lease payments on those facilities. Management is currently evaluating the impact of the new guidance on the Company’s consolidated financial statements.  In June 2016, the FASB issued ASU 2016-13, Financial Instruments - Credit Losses: Measurement of Credit Losses on Financial Instruments (the ASU), which introduces the current expected credit losses methodology. Among other things, the ASU requires the measurement of all expected credit losses for financial assets, including loans and available-for-sale debt securities, held at the reporting date based on historical experience, current conditions, and reasonable and supportable forecasts that affect the collectability of the reported amount. The new model will require institutions to calculate all probable and estimable losses that are expected to be incurred through the loan's entire life. ASU 2016-13 also requires the allowance for credit losses for purchased financial assets with credit deterioration since origination to be determined in a manner similar to that of other financial assets measured at amortized cost; however, the initial allowance will be added to the purchase price rather than recorded as credit loss expense. The disclosure of credit quality indicators related to the amortized cost of financing receivables will be further disaggregated by year of origination (or vintage). Institutions are to apply the changes through a cumulative-effect adjustment to their retained earnings as of the beginning of the first reporting period in which the standard is effective. The amendments are effective for fiscal years beginning after December 15, 2019. Early application will be permitted for fiscal years beginning after December 15, 2018. Management has formed a steering committee that is evaluating the data gathering requirements, available economic forecasting and loss estimation models and potential software that would be employed by the Company to facilitate the adoption of this guidance and its required disclosures on the Company financial statements. Upon adoption, management anticipates an initial one-time increase in the allowance for loan losses alon g with a corresponding decrease in capital as permitted by the standard.  In January 2017, FASB issued ASU 2017-4, Intangible—Goodwill and Other (Topic 350) , to simplify accounting for goodwill impairment. The new guidance will simplify financial reporting because it eliminates the need to determine the fair value of individual assets and liabilities of a reporting unit to measure goodwill impairment. The revised guidance is effective for fiscal years beginning after December 15, 2019. Early adoption is permitted for any impairment tests performed after January 1, 2017. Poage is currently evaluating the impact of the new guidance on its consolidated financial statements.  In March 2017, the FASB issued ASU No. 2017-08, Receivables—Nonrefundable Fee and Other Costs (Subtopic 310-20), Premium Amortization on Purchased Callable Debt Securities. The amendments affect all entities that hold investments in callable debt securities that have an amortized cost basis in excess of the amount that is repayable by the issuer. The amendments requires the premium for certain callable debt securities to be amortized to the earliest call date. The amendments are effective for public companies for annual periods beginning after December 15, 2019. The adoption of ASU No. 2017-08 is not expected to have a material effect on the Company’s consolidated operating results or financial condition.  In May 2017, the FASB issued ASU No. 2017-09, Scope of Modification Accounting which amends the scope of modification accounting for share-based payment arrangements. The ASU provided guidance on the types of changes to the terms or conditions of share-based payment awards to which an entity would be required to apply modification accounting under ASC 718, Compensation—Stock Compensation. Specifically, an entity would not apply modification accounting if the fair value, vesting conditions, and classification of the awards are the same immediately before and after the modification. The amendments are effective for public companies for annual periods beginning after December 15, 2017. The adoption of ASU No. 2017-09 is not expected to have a material effect on the Company’s consolidated operating results or financial condition.  In July 2017, the FASB issued Update No. 2017-11— Earnings Per Share (Topic 260); Distinguishing Liabilities from Equity (Topic 480); Derivatives and Hedging (Topic 815): (Part I) Accounting for Certain Financial Instruments with Down Round Features, (Part II) Replacement of the Indefinite Deferral for Mandatorily Redeemable Financial Instruments of Certain Nonpublic Entities and Certain Mandatorily Redeemable Noncontrolling Interests with a Scope Exception For public business entities, the amendments in Part I of this Update are effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2018. The amendments in Part II of this Update do not require any transition guidance because those amendments do not have an accounting effect. Poage is currently assessing the impact of the new guidance on its consolidated financial statements. 

SECURITIES AVAILABLE FOR SALE (

SECURITIES AVAILABLE FOR SALE (Policy)	9 Months Ended
	Sep. 30, 2017
SECURITIES AVAILABLE FOR SALE [Abstract]
Securities Available for Sale	Unrealized losses on bonds have not been recognized into income because the issuers of the bonds are of high credit quality, management does not intend to sell and it is not more likely than not that management would be required to sell the securities prior to their anticipated recovery, and the decline in fair value is largely due to changes in interest rates. The fair value is expected to recover as the bonds approach maturity. Management evaluates securities for other-than-temporary impairment (“OTTI”) on at least a quarterly basis, and more frequently when economic or market conditions warrant such an evaluation. For securities in an unrealized loss position, management considers the extent and duration of the unrealized loss, and the financial condition and near-term prospects of the issuer. Management also assesses whether it intends to sell, or it is more likely than not that it will be required to sell, a security in an unrealized loss position before recovery of its amortized cost basis. If either of the criteria regarding intent or requirement to sell is met, the entire difference between amortized cost and fair value is recognized as impairment through earnings. For debt securities that do not meet the aforementioned criteria, the amount of impairment is split into two components as follows: 1) OTTI related to credit loss, which must be recognized in the income statement, and 2) OTTI related to other factors, which is recognized in other comprehensive income. Credit loss is defined as the difference between the present value of the cash flows expected to be collected and the amortized cost basis. For equity securities, the entire amount of impairment is recognized through earnings.

SECURITIES AVAILABLE FOR SALE20

SECURITIES AVAILABLE FOR SALE (Tables)	9 Months Ended
	Sep. 30, 2017
SECURITIES AVAILABLE FOR SALE [Abstract]
Reconciliation from Amortized Cost to Fair Value of AFS Securities	The amortized cost and fair value of securities available for sale at September 30, 2017 and December 31, 2016 and the corresponding amounts of gross unrealized gains and losses recognized in accumulated other comprehensive income (loss) were as follows (in thousands):     Gross Gross  Amortized Unrealized Unrealized Fair  Cost Gains Losses Value  September 30, 2017  States and political subdivisions $ 19,205 $ 342 $ (16) $ 19,531  U.S. Government agencies and sponsored entities 3,500 - (55) 3,445  Government sponsored entities residential mortgage-backed:  FHLMC 10,983 112 (10) 11,085  FNMA 15,728 70 (26) 15,772  Collateralized mortgage obligations 5,486 3 (54) 5,435  SBA loan pools 9,383 39 (30) 9,392  Total securities $ 64,285 $ 566 $ (191) $ 64,660      Gross Gross  Amortized Unrealized Unrealized Fair  Cost Gains Losses Value  December 31, 2016  States and political subdivisions $ 19,785 $ 291 $ (184) $ 19,892  U.S. Government agencies and sponsored entities 3,500 - (37) 3,463  Government sponsored entities residential mortgage-backed:  FHLMC 10,954 29 (88) 10,895  FNMA 11,349 19 (108) 11,260  Collateralized mortgage obligations 5,495 - (89) 5,406  SBA loan pools 7,411 9 (75) 7,345  Total securities $ 58,494 $ 348 $ (581) $ 58,261  
Investments Classified by Contractual Maturity Date	The amortized cost and fair value of the securities portfolio at September 30, 2017 are shown in the following table by contractual maturity. Expected maturities may differ from contractual maturities if borrowers have the right to call or prepay obligations with or without call or prepayment penalties. Securities not due at a single maturity date are shown separately (in thousands):     September 30,  2017  Amortized Fair  Cost Value   Within one year $ 1,449 $ 1,453  One to five years 8,536 8,520  Five to ten years 9,799 10,038  Beyond ten years 2,921 2,965  Mortgage-backed securities and collateralized mortgage obligations 32,197 32,292  SBA loan pools 9,383 9,392  Total $ 64,285 $ 64,660 
Schedule of Investments in Unrealized Loss Position	The following table summarizes the securities with unrealized losses at September 30, 2017 and December 31, 2016, aggregated by major security type and length of time in a continuous unrealized loss position (in thousands):     Less Than 12 Months 12 Months or Longer Total  Fair Unrealized Fair Unrealized Fair Unrealized  Value Losses Value Losses Value Losses  September 30, 2017  States and political subdivisions $ 1,747 $ (4) $ 1,065 $ (12) $ 2,812 $ (16)  U.S. Government agencies and sponsored entities 3,444 (55) - - 3,444 (55)  Government sponsored entities residential mortgage backed:  FHLMC 2,684 (10) - - 2,684 (10)  FNMA 6,210 (26) - - 6,210 (26)  Collateralized mortgage obligations 1,408 (5) 3,052 (49) 4,460 (54)  SBA loan pools 4,593 (30) - - 4,593 (30)  Total available-for-sale securities $ 20,086 $ (130) $ 4,117 $ (61) $ 24,203 $ (191)      Less Than 12 Months 12 Months or Longer Total  Fair Unrealized Fair Unrealized Fair Unrealized  Value Losses Value Losses Value Losses  December 31, 2016  States and political subdivisions $ 6,952 $ (184) $ 296 $ - $ 7,248 $ (184)  U.S. Government agencies and sponsored entities 3,463 (37) - - 3,463 (37)  Government sponsored entities residential mortgage backed:  FHLMC 6,479 (88) - - 6,479 (88)  FNMA 6,930 (108) - - 6,930 (108)  Collateralized mortgage obligations 2,671 (33) 2,735 (56) 5,406 (89)  SBA loan pools 5,865 (75) - - 5,865 (75)  Total available-for-sale securities $ 32,360 $ (525) $ 3,031 $ (56) $ 35,391 $ (581)  

LOANS (Tables)

LOANS (Tables)	9 Months Ended
	Sep. 30, 2017
LOANS [Abstract]
Schedule of Accounts, Notes, Loans and Financing Receivable	Loans at September 30, 2017 and December 31, 2016 were as follows (in thousands):     September 30, December 31,  2017 2016  Real estate:  One to four family $ 171,791 $ 177,801  Multi-family 7,310 6,823  Commercial real estate 82,077 83,169  Construction and land 12,685 11,019  273,863 278,812   Commercial and industrial 36,962 38,747   Consumer  Home equity loans and lines of credit 10,969 10,655  Motor vehicle 10,502 10,624  Other 7,612 7,877  29,083 29,156   Total 339,908 346,715  Less: Net deferred loan fees 485 445  Allowance for loan losses 3,186 2,349  $ 336,237 $ 343,921 
Schedule of Components of Provision for Loan Loss and Loan Charged Off	The following tables present the balance in the allowance for loan losses and the recorded investment in loans by portfolio segment based on impairment method as of September 30, 2017 and December 31, 2016. Accrued interest receivable and net deferred loan fees are not considered significant and therefore are not included in the loan balances presented in the table below (in thousands):    September 30, 2017  Allowance for Loan Losses Loan Balances  Individually Purchased Collectively Individually Purchased Collectively  Evaluated for Credit-Impaired Evaluated for Evaluated for Credit-Impaired Evaluated for  Loan Segment Impairment Loans Impairment Total Impairment Loans Impairment Total   Real estate $ 222 $ - $ 2,388 $ 2,610 $ 4,862 $ 1,664 $ 267,337 $ 273,863  Commercial and industrial 45 - 320 $ 365 68 - 36,894 36,962  Consumer - - 211 $ 211 32 - 29,051 29,083  Unallocated - - - - - - - -  Total $ 267 $ - $ 2,919 $ 3,186 $ 4,962 $ 1,664 $ 333,282 $ 339,908     December 31, 2016  Allowance for Loan Losses Loan Balances  Individually Purchased Collectively Individually Purchased Collectively  Evaluated for Credit-Impaired Evaluated for Evaluated for Credit-Impaired Evaluated for  Loan Segment Impairment Loans Impairment Total Impairment Loans Impairment Total  Real estate $ 23 $ - $ 1,923 $ 1,946 $ 4,844 $ 1,871 $ 272,097 $ 278,812  Commercial and industrial 7 - 211 218 89 - 38,658 38,747  Consumer - - 185 185 40 1 29,115 29,156  Unallocated - - - - - - - -  Total $ 30 $ - $ 2,319 $ 2,349 $ 4,973 $ 1,872 $ 339,870 $ 346,715 
Impaired Financing Receivables	The following table presents information related to impaired loans by class of loans as of September 30, 2017 and December 31, 2016 (in thousands):      September 30, 2017 December 31, 2016  Allowance Allowance  Unpaid for Loan Unpaid for Loan  Principal Recorded Losses Principal Recorded Losses  Balance Investment Allocated Balance Investment Allocated  With no related allowance recorded:  Real Estate:  One to four family $ 632 $ 601 $ - $ 883 $ 883 $ -  Multi-family - - - - - -  Commercial real estate 3,504 3,363 - 3,780 3,726 -  Construction and land 184 184 - 193 193 -  Commercial and industrial 23 23 - 270 82 -  Consumer:  Home equity and lines of credit 32 32 - 40 40 -  Motor vehicle - - - - - -  Other - - - - - -  Subtotal $ 4,375 $ 4,203 $ - $ 5,166 $ 4,924 $ -   With a related allowance recorded:  Real Estate:  One to four family $ 817 $ 714 $ 222 $ 42 $ 42 $ 23  Multi-family - - - - - -  Commercial real estate - - - - - -  Construction and land - - - - - -  Commercial and industrial 45 45 45 7 7 7  Consumer:  Home equity and lines of credit - - - - - -  Motor vehicle - - - - - -  Other - - - - - -  Subtotal 862 759 267 49 49 30  Total $ 5,237 $ 4,962 $ 267 $ 5,215 $ 4,973 $ 30  The recorded investment in loans excludes accrued interest receivable and loan origination fees, net, due to immateriality. For purposes of this disclosure, the unpaid balance is not reduced for partial charge-offs.  The following tables present the average balance of loans individually evaluated for impairment and interest income recognized on these loans for the three and nine months ended September 30, 2017 and 2016 (in thousands):         Three months ended September 30, 2017 Three months ended September 30, 2016  Average Interest Cash Basis Average Interest Cash Basis  Recorded Income Interest Recorded Income Interest  Investment Recognized Recognized Investment Recognized Recognized  Real Estate:  One to four family $ 2,345 $ 1 $ 1 $ 698 $ 1 $ -  Multi-family - - - - - -  Commercial real estate 3,358 29 29 3,089 32 -  Construction and land 169 2 2 - - -  Commercial and industrial 96 1 1 1,001 6 -  Consumer:  Home equity and lines of credit 33 - - 40 - -  Motor vehicle - - - - - -  Other - - - - - -  Total $ 6,001 $ 33 $ 33 $ 4,828 $ 39 $ -        Nine months ended September 30, 2017 Nine months ended September 30, 2016  Average Interest Cash Basis Average Interest Cash Basis  Recorded Income Interest Recorded Income Interest  Investment Recognized Recognized Investment Recognized Recognized  Real Estate:  One to four family $ 1,710 $ 16 $ 16 $ 854 $ 7 $ -  Multi-family - - - - - -  Commercial real estate 2,991 99 94 1,287 101 -  Construction and land 122 6 5 - - -  Commercial and industrial 196 1 1 499 31 -  Consumer:  Home equity and lines of credit 32 - - 23 1 -  Motor vehicle - - - - - -  Other - - - - - -  Total $ 5,051 $ 122 $ 116 $ 2,663 $ 140 $ - 
Allowance for Credit Losses on Financing Receivables	The following tables set forth an analysis of our allowance for loan losses for the three and nine months ended September 30, 2017 and 2016 (in thousands):      Three months ended Commercial  September 30, 2017 Real Estate and Industrial Consumer Unallocated Total   Allowance for loan losses:  Beginning balance $ 2,244 $ 233 $ 210 $ - $ 2,687  Provision for loan losses 811 123 13 - 947  Loans charged-off (449) - (27) - (476)  Recoveries 4 9 15 - 28  Total ending allowance balance $ 2,610 $ 365 $ 211 $ - $ 3,186      Nine months ended Commercial  September 30, 2017 Real Estate and Industrial Consumer Unallocated Total   Allowance for loan losses:  Beginning balance $ 1,946 $ 218 $ 185 $ - $ 2,349  Provision for loan losses 1,397 134 115 - 1,646  Loans charged-off (742) (23) (137) - (902)  Recoveries 9 36 48 - 93  Total ending allowance balance $ 2,610 $ 365 $ 211 $ - $ 3,186      Three months ended Commercial  September 30, 2016 Real Estate and Industrial Consumer Unallocated Total   Allowance for loan losses:  Beginning balance $ 1,797 $ 126 $ 144 $ - $ 2,067  Provision for loan losses 249 58 45 - 352  Loans charged-off (83) - (51) - (134)  Recoveries 7 5 20 - 32  Total ending allowance balance $ 1,970 $ 189 $ 158 $ - $ 2,317       Nine months ended Commercial  September 30, 2016 Real Estate and Industrial Consumer Unallocated Total   Allowance for loan losses:  Beginning balance $ 1,676 $ 77 $ 105 $ - $ 1,858  Provision for loan losses 527 151 134 - 812  Loans charged-off (250) (77) (165) - (492)  Recoveries 17 38 84 - 139  Total ending allowance balance $ 1,970 $ 189 $ 158 $ - $ 2,317   Nonaccrual loans, and loans past due 90 days still on accrual status, consist of smaller balance homogeneous loans that are collectively evaluated for impairment.  
Schedule of Financing Receivables, Nonaccrual Status	The following table presents the recorded investment in nonaccrual and loans past due over 90 days still on accrual status, by class of loans, as of September 30, 2017 and December 31, 2016 (in thousands):     September 30, 2017 December 31, 2016  Loans Past Due Loans Past Due  Over 90 Days Over 90 Days  Nonaccrual Still Accruing Nonaccrual Still Accruing  Real estate:  One to four family $ 2,882 $ - $ 3,428 $ -  Multi-family - - - -  Commercial real estate 1,337 - 970 -  Construction and land 36 - 41 -  Commercial and industrial 28 - 90 -  Consumer:  Home equity loans and lines of credit 167 - 155 -  Motor vehicle 30 - - -  Other 19 - 5 -  Total $ 4,499 $ - $ 4,689 $ - 
Past Due Financing Receivables	The following tables present the aging of the recorded investment in past due loans as of September 30, 2017 and December 31, 2016 by class of loans. Non-accrual loans of $4.5 million as of September 30, 2017 and $4.7 million at December 31, 2016 are included in the tables below and have been categorized based on their payment status (in thousands):     30 - 59 60 - 89 Greater than Purchased  Days Days 89 Days Total Credit-Impaired Loans Not  Past Due Past Due Past Due Past Due Loans Past Due Total  September 30, 2017  Real estate:  One to four family $ 1,286 $ 227 $ 1,144 $ 2,657 $ 946 $ 168,188 $ 171,791  Multi-family - - - - - 7,310 7,310  Commercial real estate 535 - 1,019 1,554 718 79,805 82,077  Construction and land - - - - - 12,685 12,685  Commercial and industrial 532 20 19 571 - 36,391 36,962  Consumer:  Home equity loans and lines of credit - 68 99 167 - 10,802 10,969  Motor vehicle 59 - 19 78 - 10,424 10,502  Other 14 3 11 28 - 7,584 7,612  Total $ 2,426 $ 318 $ 2,311 $ 5,055 $ 1,664 $ 333,189 $ 339,908      30 - 59 60 - 89 Greater than Purchased  Days Days 89 Days Total Credit-Impaired Loans Not  Past Due Past Due Past Due Past Due Loans Past Due Total  December 31, 2016  Real estate:  One to four family $ 899 $ 454 $ 1,679 $ 3,032 $ 1,013 $ 173,756 $ 177,801  Multi-family - - - - - 6,823 6,823  Commercial real estate 101 - 465 566 858 81,745 83,169  Construction and land 41 - - 41 - 10,978 11,019  Commercial and industrial 1 47 76 124 - 38,623 38,747  Consumer:  Home equity loans and lines of credit - 1 155 156 - 10,499 10,655  Motor vehicle 40 15 - 55 - 10,569 10,624  Other 2 20 - 22 1 7,854 7,877  Total $ 1,084 $ 537 $ 2,375 $ 3,996 $ 1,872 $ 340,847 $ 346,715 
Troubled Debt Restructurings on Financing Receivables	      September 30, 2017 TDRs on  (in thousands) Non-accrual Other TDRs Total TDRs  Real Estate:  One to four family $ 143 $ 16 $ 159  Multi-family - - -  Commercial real estate 942 2,195 3,137  Construction and land - - -  Commercial and industrial - - -  Consumer:  Home equity loans and lines of credit - - -  Motor vehicle - - -  Other - - -  Total $ 1,085 $ 2,211 $ 3,296     December 31, 2016 TDRs on  (in thousands) Non-accrual Other TDRs Total TDRs  Real Estate:  One to four family $ - $ 17 $ 17  Multi-family - - -  Commercial real estate 166 3,047 3,213  Construction and land - - -  Commercial and industrial 19 - 19  Consumer:  Home equity loans and lines of credit - - -  Motor vehicle - - -  Other - - -  Total $ 185 $ 3,064 $ 3,249     The following table presents TDRs that occurred during the three and nine months ended September 30, 2017 and 2016 (dollars in thousands):    Three months ended September 30, 2017 Three months ended September 30, 2016  Loan Class Number of Loans Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment Number of Loans Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment  Real Estate:  One to four family - $ - $ - - $ - $ -  Multi-family - - - - - -  Commercial real estate - - - 2 3,053 3,053  Construction and land - - - - - -  Commercial and industrial - - - - - -  Consumer:  Home equity loans and lines of credit - - - - - -  Motor vehicle - - - - - -  Other - - - - - -  Total - $ - $ - 2 $ 3,053 $ 3,053       Nine months ended September 30, 2017 Nine months ended September 30, 2016  Loan Class Number of Loans Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment Number of Loans Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment  Real Estate:  One to four family 2 $ 148 $ 148 1 $ 17 $ 17  Multi-family - - - - - -  Commercial real estate 1 117 117 2 3,053 3,053  Construction and land - - - - - -  Commercial and industrial - - - - - -  Consumer:  Home equity loans and lines of credit - - - - - -  Motor vehicle - - - - - -  Other - - - - - -  Total 3 $ 265 $ 265 3 $ 3,070 $ 3,070            There were 2 TDRs considered to be in default within twelve months of modification as of September 30, 2017. A loan is considered to be in payment default once it is 90 days contractually past due under the modified terms. There were no defaults that occurred during the three months ended September 30, 2017 and 2016. The following table includes defaults that occurred during the nine months ended September 30, 2017 and 2016 which were within twelve months of modification.      Nine months ended September 30, 2017 Nine months ended September 30, 2016  TDRs on Other Total TDRs on Other Total  (in thousands) Non-accrual TDRs TDRs Non-accrual TDRs TDRs  Real Estate:  One to four family $ 114 $ - $ 114 $ - $ - $ -  Multi-family - - - - - -  Commercial real estate 833 - 833 - - -  Construction and land - - - - - -  Commercial and industrial - - - - - -  Consumer:  Home equity loans and lines of credit - - - - - -  Motor vehicle - - - - - -  Other - - - - - -  Total $ 947 $ - $ 947 $ - $ - $ - 
Classes of the Loan Portfolio Summarized by the Aggregate Risk Rating	Based on the most recent analysis performed, the risk category of loans by class of loans is as follows (in thousands):     Special  September 30, 2017 Pass Mention Substandard Doubtful Loss Total  One to four family $ 164,772 $ 1,409 $ 5,610 $ - $ - $ 171,791  Multi-family 7,310 - - - - 7,310  Commercial real estate 74,466 2,484 5,127 - - 82,077  Construction and land 12,501 - 184 - - 12,685  Commercial and industrial 30,665 420 5,837 40 - 36,962  Home equity loans and lines of credit 10,708 - 261 - - 10,969  Motor vehicle 10,391 22 89 - - 10,502  Other 7,603 1 8 - - 7,612  Total $ 318,416 $ 4,336 $ 17,116 $ 40 $ - $ 339,908      Special  December 31, 2016 Pass Mention Substandard Doubtful Loss Total  One to four family $ 171,109 $ 2,167 $ 4,525 $ - $ - $ 177,801  Multi-family 6,823 - - - - 6,823  Commercial real estate 74,267 4,048 4,854 - - 83,169  Construction and land 10,826 - 193 - - 11,019  Commercial and industrial 36,172 1,802 773 - - 38,747  Home equity loans and lines of credit 10,478 6 171 - - 10,655  Motor vehicle 10,594 2 28 - - 10,624  Other 7,872 - 5 - - 7,877  Total $ 328,141 $ 8,025 $ 10,549 $ - $ - $ 346,715 
Schedule of Purchased Loans	The Company holds purchased loans without evidence of credit quality deterioration. In addition, the Company holds purchased loans for which there was, at their acquisition date, evidence of deterioration of credit quality since their origination and it was probable that all contractually required payments would not be collected. A summary of non-impaired purchased loans and credit-impaired purchased loans with the carrying amount of those loans is as follows at September 30, 2017 and December 31, 2016 (in thousands):      Non-impaired Credit-impaired  Purchased Purchased  Purchased Loans as of September 30, 2017 Loans Loans  Real estate:  One to four family $ 26,803 $ 946  Multi-family 2,011 -  Commercial real estate 16,035 718  Construction and land 521 -  Commercial and industrial 1,733 -  Consumer loans:  Home equity loans and lines of credit 1,091 -  Motor vehicle 62 -  Other 556 -  Total loans $ 48,812 $ 1,664      Non-impaired Credit-impaired  Purchased Purchased  Purchased Loans as of December 31, 2016 Loans Loans  Real estate:  One to four family $ 30,449 $ 1,013  Multi-family 2,115 -  Commercial real estate 19,278 858  Construction and land 652 -  Commercial and industrial 2,783 -  Consumer loans:  Home equity loans and lines of credit 1,433 -  Motor vehicle 202 -  Other 706 1  Total loans $ 57,618 $ 1,872 
Schedule of Composition of Acquired Financing Receivable	The following table presents the composition of the acquired loans at September 30, 2017:     As of September 30, 2017  Contractual Remaining Carrying  (in thousands) Amount Discount Amount  Real estate:  One to four family $ 28,144 $ (395) $ 27,749  Multi-family 2,017 (6) 2,011  Commercial real estate 16,960 (207) 16,753  Construction and land 523 (2) 521  Commercial and industrial 1,738 (5) 1,733  Consumer loans:  Home equity loans and lines of credit 1,096 (5) 1,091  Motor vehicle 62 - 62  Other 558 (2) 556  Total loans $ 51,098 $ (622) $ 50,476 
Schedule of Loans and Debt Securities Acquired with Deteriorated Credit Quality	The following tables presents the purchased loans that are included within the scope of ASC Topic 310-30, Loans and Debt Securities Acquired with Deteriorated Credit Quality, as of September 30, 2017 and December 31, 2016.      (in thousands) September 30, 2017 December 31, 2016   Carrying amount $ 1,664 $ 1,872  Non-accretable difference 258 272  Accretable yield 113 146  Contractually-required principal and interest payments $ 2,035 $ 2,290  The Company adjusted interest income to recognize $9,000 and $33,000 for the three and nine months ended September 30, 2017 of accretable yield on credit-impaired purchased loans. The Company adjusted interest income to recognize $42,000 and $128,000 for the three and nine months ended September 30, 2016 of accretable yield on credit-impaired purchased loans.  Accretable yield, or income expected to be collected, is as follows for the nine months ended September 30, 2017 and 2016 (in thousands):      2017 2016   Balance at January 1 $ 146 $ 292  New Loans Purchased - -  Accretion of income (33) (128)  Reclassifications from nonaccretable difference - -  Disposals - -  Balance at September 30 $ 113 $ 164 

FEDERAL HOME LOAN BANK ADVANC22

FEDERAL HOME LOAN BANK ADVANCES AND OTHER BORROWINGS (Tables)	9 Months Ended
	Sep. 30, 2017
Schedule of FHLB Advances	Advances from the FHLB at September 30, 2017 and December 31, 2016 were as follows (dollars in thousands):      September 30, 2017 December 31, 2016  Maturities December 2017 through January 2029, fixed rate at rates from 1.22% to 4.27% , weighted average rate of 1.69% at September 30, 2017 and 1.80% at December 31, 2016 $ 10,805 $ 9,332 
Federal Home Loan Bank Advances [Member]
FHLB Advances, Contractually Required Payments	Payments contractually required over the next five years are as follows as of September 30, 2017 (in thousands):                       September 30,  2018 $ 9,685  2019 632  2020 93  2021 79  2022 67  Thereafter 249  Total $ 10,805 

FAIR VALUE (Tables)

FAIR VALUE (Tables)	9 Months Ended
	Sep. 30, 2017
Fair Value [Abstract]
Assets and Liabilities Measured on Recurring Basis	Assets and liabilities measured at fair value on a recurring basis, at September 30, 2017 and December 31, 2016, are as follows (in thousands):      Fair Value Measurements at  September 30, 2017 Using:  Quoted Prices in Significant Significant  Active Markets for Other Observable Unobservable  Carrying Identical Assets Inputs Inputs  Value (Level 1) (Level 2) (Level 3)  Financial Assets  Securities:  States and political subdivisions $ 19,531 $ - $ 19,531 $ -  U.S. Government agencies and sponsored entities 3,445 - 3,445 -  Mortgage backed securities: residential 26,857 - 26,857 -  Collateralized mortgage obligations 5,435 - 5,435 -  SBA loan pools 9,392 - 9,392 -  Total securities $ 64,660 $ - $ 64,660 $ -      Fair Value Measurements at  December 31, 2016 Using:  Quoted Prices in Significant Significant  Active Markets for Other Observable Unobservable  Carrying Identical Assets Inputs Inputs  Value (Level 1) (Level 2) (Level 3)  Financial Assets  Securities:  States and political subdivisions $ 19,892 $ - $ 19,892 $ -  U.S. Government agencies and sponsored entities 3,463 - 3,463 -  Mortgage backed securities: residential 22,155 - 22,155 -  Collateralized mortgage obligations 5,406 - 5,406 -  SBA loan pools 7,345 - 7,345 -  Total securities $ 58,261 $ - $ 58,261 $ - 
Assets Measured at Fair Value on a Non-recurring Basis	Assets measured at fair value on a non-recurring basis at September 30, 2017 and December 31, 2016 are summarized below (in thousands):     Fair Value Measurements at  September 30, 2017 Using:  Quoted Prices in Significant Significant  Active Markets for Other Observable Unobservable  Carrying Identical Assets Inputs Inputs  Value (Level 1) (Level 2) (Level 3)   Impaired loans  Residential real estate, net $ 509 $ - $ - $ 509   Other real estate owned  Residential real estate, net $ 214 $ - $ - $ 214  Commercial real estate, net 46 - - 46        Fair Value Measurements at  December 31, 2016 Using:  Quoted Prices in Significant Significant  Active Markets for Other Observable Unobservable  Carrying Identical Assets Inputs Inputs  Value (Level 1) (Level 2) (Level 3)  Impaired loans  Residential real estate, net $ 613 $ - $ - $ 613  Commercial real estate, net 250 - - 250  Commercial and industrial, net 58 - - 58   Other real estate owned  Residential real estate, net $ 268 $ - $ - $ 268  Commercial real estate, net 8 - - 8 
Fair Value, by Balance Sheet Grouping	The carrying amounts and estimated fair values of financial instruments at September 30, 2017 and December 31, 2016 are as follows (in thousands):      Fair Value Measurements  Carrying  September 30, 2017 Value Level 1 Level 2 Level 3 Total   Financial assets  Cash and cash equivalents $ 25,822 $ 25,822 $ - $ - $ 25,822  Interest-bearing deposits 2,490 - 2,502 - 2,502  Securities 64,660 - 64,660 - 64,660  Restricted stock 3,276 N/A N/A N/A N/A  Loans, net 336,237 - - 340,373 340,373  Accrued interest receivable 1,307 - 333 974 1,307   Financial liabilities  Deposits $ 374,913 $ 209,701 $ 165,031 $ - $ 374,732  Other borrowings 1,500 - 1,500 - 1,500  Federal Home Loan Bank advances 10,805 - 10,810 - 10,810  Subordinated debenture 2,873 - 2,403 - 2,403  Accrued interest payable 80 - 80 - 80        Fair Value Measurements  Carrying  December 31, 2016 Value Level 1 Level 2 Level 3 Total   Financial assets  Cash and cash equivalents $ 24,389 $ 24,389 $ - $ - $ 24,389  Interest bearing deposits 1,992 - 1,992 - 1,992  Securities 58,261 - 58,261 - 58,261  Restricted stock 3,276 N/A N/A N/A N/A  Loans held for sale 611 - 611 - 611  Loans, net 343,921 - - 341,288 341,288  Accrued interest receivable 1,397 - 300 1,097 1,397   Financial liabilities  Deposits $ 374,708 $ 164,914 $ 179,266 $ - $ 344,180  Federal Home Loan Bank advances 9,332 5,004 4,454 - 9,458  Subordinated debenture 2,825 - 2,825 - 2,825  Accrued interest payable 52 - 52 - 52 

ESOP (Tables)

ESOP (Tables)	9 Months Ended
	Sep. 30, 2017
ESOP [Abstract]
Schedule of Shares Held by the ESOP	Shares held by the ESOP at September 30, 2017 and December 31, 2016 were as follows (dollars in thousands):     September 30, December 31,  2017 2016  Allocated to participants 64,148 54,165  Committed to be released 10,152 13,501  Unearned 188,806 198,958  Total ESOP shares 263,106 266,624   Fair value of unearned shares $ 3,417 $ 3,740 

EARNINGS PER SHARE (Tables)

EARNINGS PER SHARE (Tables)	9 Months Ended
	Sep. 30, 2017
Earnings Per Share [Abstract]
Schedule of Earnings Per Share	The factors used in the earnings per share computation for the three and nine months ended September 30, 2017 and 2016, were as follows (dollar amounts in thousands, except per share data):     Three months ended Nine months ended  September 30, September 30,  2017 2016 2017 2016  Basic  Net income (loss) $ (18) $ 364 $ 812 $ 1,551  Less: Earnings (loss) allocated to participating securities - 3 5 16  Net income (loss) available to common shareholders $ (18) $ 361 807 1,535   Weighted average common shares outstanding 3,522,121 3,764,946 3,627,092 3,808,622  Less: Average unallocated ESOP shares 191,037 204,571 194,388 207,922  Average participating shares 15,357 31,098 21,170 39,139  Average shares 3,315,727 3,529,277 3,411,534 3,561,561   Basic earnings (loss) per common share $ (0.01) $ 0.10 $ 0.23 $ 0.43   Diluted  Net income (loss) available to common shareholders $ (18) $ 361 $ 807 $ 1,535   Weighted average common shares outstanding for basic earnings per common share 3,315,727 3,529,277 3,411,534 3,561,561  Add: Dilutive effects of assumed exercises of stock options - 31,012 29,765 20,744  Average shares and dilutive potential common shares 3,315,727 3,560,289 3,441,299 3,582,305   Diluted earnings (loss) per common share $ (0.01) $ 0.10 $ 0.23 $ 0.43 

STOCK BASED COMPENSATION (Table

STOCK BASED COMPENSATION (Tables)	9 Months Ended
	Sep. 30, 2017
Stock Based Compensation [Abstract]
Schedule of Stock Option Activity	The following table summarizes stock option activity for the nine months ended September 30, 2017:     Weighted Average  Options Exercise Price   Outstanding -December 31, 2016 179,900 $ 14.92  Granted - -  Exercised and settled (37,050) 14.99  Forfeited - -  Outstanding -September 30, 2017 142,850 $ 14.90   Fully vested and exercisable at September 30, 2017 100,600  Fully vested and exercisable at December 31, 2016 101,400  Expected to vest in future periods 42,250 
Schedule of Non-Vested Restricted Stock Activity	The following table summarizes non-vested restricted stock activity for the nine months ended September 30, 2017:     Balance -December 31, 2016 30,471  Granted -  Forfeited -  Vested (15,114)  Balance -September 30, 2017 15,357 

ACCUMULATED OTHER COMPREHENSI27

ACCUMULATED OTHER COMPREHENSIVE INCOME (Tables)	9 Months Ended
	Sep. 30, 2017
Accumulated Other Comprehensive Income [Abstract]
Schedule of Accumulated Other Comprehensive Income	The following table is changes in Accumulated Other Comprehensive Income by component, net of tax, for the three and nine months ended September 30, 2017 and 2016 (in thousands) :           Unrealized Gains and Losses on Available-for-Sale Securities  Three months ended Nine months ended  September 30, September 30,  2017 2016 2017 2016  Beginning balance $ 316 $ 913 $ (153) $ 384   Other comprehensive income (loss), net of tax before reclassification (68) (89) 401 438   Amounts reclassified from accumulated other comprehensive income for loss on call of securities, net of tax expense of $0 , $0 , $0 and $1 respectively - - - 2   Net current period other comprehensive income (loss) (68) (89) 401 440   Ending Balance $ 248 $ 824 $ 248 $ 824 

SECURITIES AVAILABLE FOR SALE28

SECURITIES AVAILABLE FOR SALE (Narrative) (Details) - USD ($)	3 Months Ended		9 Months Ended
	Sep. 30, 2017	Sep. 30, 2016	Sep. 30, 2017	Sep. 30, 2016
SECURITIES AVAILABLE FOR SALE [Abstract]
Proceeds from sales	$ 0	$ 0	$ 0	$ 0

SECURITIES AVAILABLE FOR SALE29

SECURITIES AVAILABLE FOR SALE (Reconciliation from Amortized Cost to Fair Value of AFS Securities) (Details) - USD ($) $ in Thousands	Sep. 30, 2017	Dec. 31, 2016
Schedule of Available-for-sale Securities [Line Items]
Total securities	$ 64,660	$ 58,261
Gross Unrealized Gains	566	348
Gross Unrealized Losses	(191)	(581)
Amortized Cost	64,285	58,494
US States and Political Subdivisions Debt Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Total securities	19,531	19,892
Gross Unrealized Gains	342	291
Gross Unrealized Losses	(16)	(184)
Amortized Cost	19,205	19,785
US Government Agencies Debt Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Total securities	3,445	3,463
Gross Unrealized Losses	(55)	(37)
Amortized Cost	3,500	3,500
Federal Home Loan Mortgage Corporation Certificates and Obligations (FHLMC) [Member]
Schedule of Available-for-sale Securities [Line Items]
Total securities	11,085	10,895
Gross Unrealized Gains	112	29
Gross Unrealized Losses	(10)	(88)
Amortized Cost	10,983	10,954
Federal National Mortgage Association Certificates and Obligations (FNMA) [Member]
Schedule of Available-for-sale Securities [Line Items]
Total securities	15,772	11,260
Gross Unrealized Gains	70	19
Gross Unrealized Losses	(26)	(108)
Amortized Cost	15,728	11,349
Collateralized Mortgage Obligations [Member]
Schedule of Available-for-sale Securities [Line Items]
Total securities	5,435	5,406
Gross Unrealized Gains	3
Gross Unrealized Losses	(54)	(89)
Amortized Cost	5,486	5,495
SBA Loan Pools [Member]
Schedule of Available-for-sale Securities [Line Items]
Total securities	9,392	7,345
Gross Unrealized Gains	39	9
Gross Unrealized Losses	(30)	(75)
Amortized Cost	$ 9,383	$ 7,411

SECURITIES AVAILABLE FOR SALE30

SECURITIES AVAILABLE FOR SALE (Investments Classified by Contractual Maturity Date) (Details) - USD ($) $ in Thousands	Sep. 30, 2017	Dec. 31, 2016
Amortized Cost, Within one year	$ 1,449
Amortized Cost, One to five years	8,536
Amortized Cost, Five to ten years	9,799
Amortized Cost, Beyond ten years	2,921
Amortized Cost, Total	64,285
Fair Value, Within one year	1,453
Fair Value, One to five years	8,520
Fair Value, Five to ten years	10,038
Fair Value, Beyond ten years	2,965
Fair Value, Total	64,660	$ 58,261
Mortgage Backed Securities and Collateralized Mortgage Obligations [Member]
Amortized Cost, without single maturity period	32,197
Fair Value, without single maturity period	32,292
SBA Loan Pools [Member]
Amortized Cost, without single maturity period	9,383
Fair Value, without single maturity period	9,392
Fair Value, Total	$ 9,392	$ 7,345

SECURITIES AVAILABLE FOR SALE31

SECURITIES AVAILABLE FOR SALE (Schedule of Investments in Unrealized Loss Position) (Details) - USD ($) $ in Thousands	Sep. 30, 2017	Dec. 31, 2016
Schedule of Available-for-sale Securities [Line Items]
Less than 12 Months, Fair Value	$ 20,086	$ 32,360
12 Months or Longer, Fair Value	4,117	3,031
Total Securities, Fair Value	24,203	35,391
Less than 12 Months, Unrealized Losses	(130)	(525)
12 Months or Longer, Unrealized Losses	(61)	(56)
Total Securities, Unrealized Losses	(191)	(581)
US States and Political Subdivisions Debt Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Less than 12 Months, Fair Value	1,747	6,952
12 Months or Longer, Fair Value	1,065	296
Total Securities, Fair Value	2,812	7,248
Less than 12 Months, Unrealized Losses	(4)	(184)
12 Months or Longer, Unrealized Losses	(12)
Total Securities, Unrealized Losses	(16)	(184)
US Government Agencies Debt Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Less than 12 Months, Fair Value	3,444	3,463
Total Securities, Fair Value	3,444	3,463
Less than 12 Months, Unrealized Losses	(55)	(37)
Total Securities, Unrealized Losses	(55)	(37)
Federal Home Loan Mortgage Corporation Certificates and Obligations (FHLMC) [Member]
Schedule of Available-for-sale Securities [Line Items]
Less than 12 Months, Fair Value	2,684	6,479
Total Securities, Fair Value	2,684	6,479
Less than 12 Months, Unrealized Losses	(10)	(88)
Total Securities, Unrealized Losses	(10)	(88)
Federal National Mortgage Association Certificates and Obligations (FNMA) [Member]
Schedule of Available-for-sale Securities [Line Items]
Less than 12 Months, Fair Value	6,210	6,930
Total Securities, Fair Value	6,210	6,930
Less than 12 Months, Unrealized Losses	(26)	(108)
Total Securities, Unrealized Losses	(26)	(108)
Collateralized Mortgage Obligations [Member]
Schedule of Available-for-sale Securities [Line Items]
Less than 12 Months, Fair Value	1,408	2,671
12 Months or Longer, Fair Value	3,052	2,735
Total Securities, Fair Value	4,460	5,406
Less than 12 Months, Unrealized Losses	(5)	(33)
12 Months or Longer, Unrealized Losses	(49)	(56)
Total Securities, Unrealized Losses	(54)	(89)
SBA Loan Pools [Member]
Schedule of Available-for-sale Securities [Line Items]
Less than 12 Months, Fair Value	4,593	5,865
Total Securities, Fair Value	4,593	5,865
Less than 12 Months, Unrealized Losses	(30)	(75)
Total Securities, Unrealized Losses	$ (30)	$ (75)

LOANS (Narrative) (Details)

LOANS (Narrative) (Details)	Sep. 12, 2017USD ($)	Sep. 30, 2017USD ($)	Sep. 30, 2016USD ($)contract	Sep. 30, 2017USD ($)contractloan	Sep. 30, 2016USD ($)loan	Dec. 31, 2016USD ($)contract
Financing Receivable, Recorded Investment [Line Items]
Loss contingency, loss in period	$ 1,400,000
Loss contingency, management's assessment and process				On September 12, 2017, the Bank uncovered evidence of suspected fraud involving the origination of fictitious loans by an employee of the Bank. The Bank has informed its fidelity blanket bond insurer of the suspected fraud and engaged an outside firm to perform a forensic audit. To date, the Bank believes it has identified suspected fraudulent loans totaling approximately $1.4 million, but this amount may change based on the results of the ongoing investigation. It is the Company's conclusion, based on the advice of qualified outside legal counsel, that the bond should provide indemnity for the lost principal of $1.4 million, less a $25,000 deductible, and it is probable that the Bank will recover its loss. The Company recorded a receivable on insurance proceeds in other assets and a net loss of $25,000 in other expenses during the three months ended September 30, 2017.
Loss on fictitious loans				$ 25,000
Financing Receivable, Net		$ 339,908,000		339,908,000		$ 346,715,000
Non-accrual loans		4,499,000		4,499,000		4,689,000
Accretion of income		9,000	$ 42,000	$ 33,000	$ 128,000
Financing receivable, modifications, number of contracts			2	3	3
Financing receivable, modifications, recorded investment		3,296,000		$ 3,296,000		3,249,000
Provision for loan losses		947,000	$ 352,000	1,646,000	$ 812,000
Receivables Acquired with Deteriorated Credit Quality [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Net		1,664,000		1,664,000		1,872,000
Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Net		17,116,000		17,116,000		10,549,000
Substandard [Member] | Receivables Acquired with Deteriorated Credit Quality [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Net		1,700,000		$ 1,700,000		$ 1,900,000
Six TDRs [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivable, modifications, number of contracts | contract				6
Financing receivable, modifications, recorded investment		$ 3,300,000		$ 3,300,000
Provision for loan losses				$ 20,000
Three TDRs [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivable, modifications, number of contracts | contract						3
Financing receivable, modifications, recorded investment						$ 3,200,000
Provision for loan losses						$ 0

LOANS (Schedule of Outstanding

LOANS (Schedule of Outstanding Loans) (Details) - USD ($) $ in Thousands	Sep. 30, 2017	Dec. 31, 2016
Accounts Notes and Loans Receivable [Line Items]
Total	$ 339,908	$ 346,715
Less: Net deferred loan fees	485	445
Loans receivable, allowance for losses	3,186	2,349
Loans, net of allowance, Total	336,237	343,921
Real Estate Portfolio Segment [Member]
Accounts Notes and Loans Receivable [Line Items]
Total	273,863	278,812
Commercial Portfolio Segment [Member]
Accounts Notes and Loans Receivable [Line Items]
Total	36,962	38,747
Consumer Portfolio Segment [Member]
Accounts Notes and Loans Receivable [Line Items]
Total	29,083	29,156
One to Four Family [Member] | Real Estate Portfolio Segment [Member]
Accounts Notes and Loans Receivable [Line Items]
Total	171,791	177,801
Multi-Family [Member] | Real Estate Portfolio Segment [Member]
Accounts Notes and Loans Receivable [Line Items]
Total	7,310	6,823
Commercial Real Estate [Member] | Real Estate Portfolio Segment [Member]
Accounts Notes and Loans Receivable [Line Items]
Total	82,077	83,169
Construction and Land [Member] | Real Estate Portfolio Segment [Member]
Accounts Notes and Loans Receivable [Line Items]
Total	12,685	11,019
Home Equity Loan [Member] | Consumer Portfolio Segment [Member]
Accounts Notes and Loans Receivable [Line Items]
Total	10,969	10,655
Motor Vehicle [Member] | Consumer Portfolio Segment [Member]
Accounts Notes and Loans Receivable [Line Items]
Total	10,502	10,624
Other [Member] | Consumer Portfolio Segment [Member]
Accounts Notes and Loans Receivable [Line Items]
Total	$ 7,612	$ 7,877

LOANS (Schedule of Balance in t

LOANS (Schedule of Balance in the Allowance For Loan Losses and Recorded Investment) (Details) - USD ($)	Sep. 30, 2017	Jun. 30, 2017	Dec. 31, 2016	Sep. 30, 2016	Jun. 30, 2016	Dec. 31, 2015
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for Loan Losses, Individually Evaluated for Impairment	$ 267,000		$ 30,000
Allowance for Loan Losses, Collectively Evaluated for Impairment	2,919,000		2,319,000
Allowance for Loan Losses	3,186,000	$ 2,687,000	2,349,000	$ 2,317,000	$ 2,067,000	$ 1,858,000
Loan Balances, Individually Evaluated for Impairment	4,962,000		4,973,000
Notes receivable, net	339,908,000		346,715,000
Loan Balances, Collectively Evaluated for Impairment	333,282,000		339,870,000
Total	339,908,000		346,715,000
Receivables Acquired with Deteriorated Credit Quality [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Notes receivable, net	1,664,000		1,872,000
Total	776,000,000,000		951,000
Real Estate Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for Loan Losses, Individually Evaluated for Impairment	222,000		23,000
Allowance for Loan Losses, Collectively Evaluated for Impairment	2,388,000		1,923,000
Allowance for Loan Losses	2,610,000	2,244,000	1,946,000	1,970,000	1,797,000	1,676,000
Loan Balances, Individually Evaluated for Impairment	4,862,000		4,844,000
Loan Balances, Collectively Evaluated for Impairment	267,337,000		272,097,000
Total	273,863,000		278,812,000
Real Estate Portfolio Segment [Member] | Receivables Acquired with Deteriorated Credit Quality [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Notes receivable, net	1,664,000		1,871,000
Commercial Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for Loan Losses, Individually Evaluated for Impairment	45,000		7,000
Allowance for Loan Losses, Collectively Evaluated for Impairment	320,000		211,000
Allowance for Loan Losses	365,000	233,000	218,000	189,000	126,000	77,000
Loan Balances, Individually Evaluated for Impairment	68,000		89,000
Notes receivable, net	36,962,000		38,747,000
Loan Balances, Collectively Evaluated for Impairment	36,894,000		38,658,000
Total	36,962,000		38,747,000
Consumer Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for Loan Losses, Collectively Evaluated for Impairment	211,000		185,000
Allowance for Loan Losses	211,000	$ 210,000	185,000	$ 158,000	$ 144,000	$ 105,000
Loan Balances, Individually Evaluated for Impairment	32,000		40,000
Loan Balances, Collectively Evaluated for Impairment	29,051,000		29,115,000
Total	$ 29,083,000		29,156,000
Consumer Portfolio Segment [Member] | Receivables Acquired with Deteriorated Credit Quality [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Notes receivable, net			$ 1,000

LOANS (Schedule of Impaired Loa

LOANS (Schedule of Impaired Loans by Class I) (Details) - USD ($) $ in Thousands	Sep. 30, 2017	Dec. 31, 2016
Impaired Financing Receivable, Unpaid Principal Balance [Abstract]
With no related allowance recorded	$ 4,375	$ 5,166
With an allowance recorded	862	49
Total	5,237	5,215
Impaired Financing Receivable, Recorded Investment [Abstract]
With no related allowance recorded	4,203	4,924
With an allowance recorded	759	49
Total	4,962	4,973
Allowance for Loan Losses Allocated	267	30
Real Estate Portfolio Segment [Member] | One to Four Family [Member]
Impaired Financing Receivable, Unpaid Principal Balance [Abstract]
With no related allowance recorded	632	883
With an allowance recorded	817	42
Impaired Financing Receivable, Recorded Investment [Abstract]
With no related allowance recorded	601	883
With an allowance recorded	714	42
Allowance for Loan Losses Allocated	222	23
Real Estate Portfolio Segment [Member] | Commercial Real Estate [Member]
Impaired Financing Receivable, Unpaid Principal Balance [Abstract]
With no related allowance recorded	3,504	3,780
Impaired Financing Receivable, Recorded Investment [Abstract]
With no related allowance recorded	3,363	3,726
Real Estate Portfolio Segment [Member] | Construction and Land [Member]
Impaired Financing Receivable, Unpaid Principal Balance [Abstract]
With no related allowance recorded	184	193
Impaired Financing Receivable, Recorded Investment [Abstract]
With no related allowance recorded	184	193
Commercial Portfolio Segment [Member]
Impaired Financing Receivable, Unpaid Principal Balance [Abstract]
With no related allowance recorded	23	270
With an allowance recorded	45	7
Impaired Financing Receivable, Recorded Investment [Abstract]
With no related allowance recorded	23	82
With an allowance recorded	45	7
Allowance for Loan Losses Allocated	45	7
Consumer Portfolio Segment [Member] | Home Equity Loan [Member]
Impaired Financing Receivable, Unpaid Principal Balance [Abstract]
With no related allowance recorded	32	40
Impaired Financing Receivable, Recorded Investment [Abstract]
With no related allowance recorded	$ 32	$ 40

LOANS (Schedule of Impaired L36

LOANS (Schedule of Impaired Loans by Class II) (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2017	Sep. 30, 2016	Sep. 30, 2017	Sep. 30, 2016
Financing Receivable, Impaired [Line Items]
Impaired Financing Receivable, with Related Allowance, Average Recorded Investment	$ 6,001	$ 4,828	$ 5,051	$ 2,663
Impaired Financing Receivable, with Related Allowance, Interest Income, Accrual Method	33	39	122	140
Impaired Financing Receivable, with Related Allowance, Interest Income, Cash Basis Method	33		116
Real Estate Portfolio Segment [Member] | One to Four Family [Member]
Financing Receivable, Impaired [Line Items]
Impaired Financing Receivable, with Related Allowance, Average Recorded Investment	2,345	698	1,710	854
Impaired Financing Receivable, with Related Allowance, Interest Income, Accrual Method	1	1	16	7
Impaired Financing Receivable, with Related Allowance, Interest Income, Cash Basis Method	1		16
Real Estate Portfolio Segment [Member] | Multi-Family [Member]
Financing Receivable, Impaired [Line Items]
Impaired Financing Receivable, with Related Allowance, Interest Income, Cash Basis Method
Real Estate Portfolio Segment [Member] | Commercial Real Estate [Member]
Financing Receivable, Impaired [Line Items]
Impaired Financing Receivable, with Related Allowance, Average Recorded Investment	3,358	3,089	2,991	1,287
Impaired Financing Receivable, with Related Allowance, Interest Income, Accrual Method	29	32	99	101
Impaired Financing Receivable, with Related Allowance, Interest Income, Cash Basis Method	29		94
Real Estate Portfolio Segment [Member] | Construction and Land [Member]
Financing Receivable, Impaired [Line Items]
Impaired Financing Receivable, with Related Allowance, Average Recorded Investment	169		122
Impaired Financing Receivable, with Related Allowance, Interest Income, Accrual Method	2		6
Impaired Financing Receivable, with Related Allowance, Interest Income, Cash Basis Method	2		5
Commercial Portfolio Segment [Member]
Financing Receivable, Impaired [Line Items]
Impaired Financing Receivable, with Related Allowance, Average Recorded Investment	96	1,001	196	499
Impaired Financing Receivable, with Related Allowance, Interest Income, Accrual Method	1	6	1	31
Impaired Financing Receivable, with Related Allowance, Interest Income, Cash Basis Method	1		1
Consumer Portfolio Segment [Member] | Home Equity Loan [Member]
Financing Receivable, Impaired [Line Items]
Impaired Financing Receivable, with Related Allowance, Average Recorded Investment	$ 33	40	$ 32	23
Impaired Financing Receivable, with Related Allowance, Interest Income, Accrual Method				$ 1
Impaired Financing Receivable, with Related Allowance, Interest Income, Cash Basis Method
Consumer Portfolio Segment [Member] | Motor Vehicle [Member]
Financing Receivable, Impaired [Line Items]
Impaired Financing Receivable, with Related Allowance, Interest Income, Cash Basis Method
Consumer Portfolio Segment [Member] | Other [Member]
Financing Receivable, Impaired [Line Items]
Impaired Financing Receivable, with Related Allowance, Interest Income, Cash Basis Method

LOANS (Schedule of Loan Loss Al

LOANS (Schedule of Loan Loss Allowance Analysis) (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2017	Sep. 30, 2016	Sep. 30, 2017	Sep. 30, 2016	Dec. 31, 2016
Accounts Notes and Loans Receivable [Line Items]
Beginning balance	$ 2,687	$ 2,067	$ 2,349	$ 1,858	$ 1,858
Provision for loan losses	947	352	1,646	812
Loans charged-off	(476)	(134)	(902)	(492)
Recoveries	28	32	93	139
Ending balance	3,186	2,317	3,186	2,317	2,349
Real Estate Portfolio Segment [Member]
Accounts Notes and Loans Receivable [Line Items]
Beginning balance	2,244	1,797	1,946	1,676	1,676
Provision for loan losses	811	249	1,397	527
Loans charged-off	(449)	(83)	(742)	(250)
Recoveries	4	7	9	17
Ending balance	2,610	1,970	2,610	1,970	1,946
Commercial Portfolio Segment [Member]
Accounts Notes and Loans Receivable [Line Items]
Beginning balance	233	126	218	77	77
Provision for loan losses	123	58	134	151
Loans charged-off			(23)	(77)
Recoveries	9	5	36	38
Ending balance	365	189	365	189	218
Consumer Portfolio Segment [Member]
Accounts Notes and Loans Receivable [Line Items]
Beginning balance	210	144	185	105	105
Provision for loan losses	13	45	115	134
Loans charged-off	(27)	(51)	(137)	(165)
Recoveries	15	20	48	84
Ending balance	$ 211	$ 158	$ 211	$ 158	$ 185

LOANS (Schedule of Recorded Inv

LOANS (Schedule of Recorded Investment in Nonaccrual and Loans Past Due) (Details) - USD ($) $ in Thousands	Sep. 30, 2017	Dec. 31, 2016
Accounts Notes and Loans Receivable [Line Items]
Nonaccrual	$ 4,499	$ 4,689
Real Estate Portfolio Segment [Member] | One to Four Family [Member]
Accounts Notes and Loans Receivable [Line Items]
Nonaccrual	2,882	3,428
Real Estate Portfolio Segment [Member] | Commercial Real Estate [Member]
Accounts Notes and Loans Receivable [Line Items]
Nonaccrual	1,337	970
Real Estate Portfolio Segment [Member] | Construction and Land [Member]
Accounts Notes and Loans Receivable [Line Items]
Nonaccrual	36	41
Commercial Portfolio Segment [Member]
Accounts Notes and Loans Receivable [Line Items]
Nonaccrual	28	90
Consumer Portfolio Segment [Member] | Home Equity Loan [Member]
Accounts Notes and Loans Receivable [Line Items]
Nonaccrual	167	155
Consumer Portfolio Segment [Member] | Motor Vehicle [Member]
Accounts Notes and Loans Receivable [Line Items]
Nonaccrual	30
Consumer Portfolio Segment [Member] | Other [Member]
Accounts Notes and Loans Receivable [Line Items]
Nonaccrual	$ 19	$ 5

LOANS (Schedule of Aging of the

LOANS (Schedule of Aging of the Recorded Investment in Past Due Loans) (Details) - USD ($)	Sep. 30, 2017	Dec. 31, 2016
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	$ 5,055,000	$ 3,996,000
Loans Not Past Due	333,189,000	340,847,000
Total	339,908,000	346,715,000
Receivables Acquired with Deteriorated Credit Quality [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, gross	1,664,000	1,872,000
Total	776,000,000,000	951,000
Financing Receivables, 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	2,426,000	1,084,000
Financing Receivables, 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	318,000	537,000
Financing Receivables, Equal to Greater than 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	2,311,000	2,375,000
Real Estate Portfolio Segment [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total	273,863,000	278,812,000
Real Estate Portfolio Segment [Member] | One to Four Family [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	2,657,000	3,032,000
Loans Not Past Due	168,188,000	173,756,000
Total	171,791,000	177,801,000
Real Estate Portfolio Segment [Member] | One to Four Family [Member] | Receivables Acquired with Deteriorated Credit Quality [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, gross	946,000	1,013,000
Real Estate Portfolio Segment [Member] | One to Four Family [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	1,286,000	899,000
Real Estate Portfolio Segment [Member] | One to Four Family [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	227,000	454,000
Real Estate Portfolio Segment [Member] | One to Four Family [Member] | Financing Receivables, Equal to Greater than 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	1,144,000	1,679,000
Real Estate Portfolio Segment [Member] | Multi-Family [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Not Past Due	7,310,000	6,823,000
Total	7,310,000	6,823,000
Real Estate Portfolio Segment [Member] | Commercial Real Estate [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	1,554,000	566,000
Loans Not Past Due	79,805,000	81,745,000
Total	82,077,000	83,169,000
Real Estate Portfolio Segment [Member] | Commercial Real Estate [Member] | Receivables Acquired with Deteriorated Credit Quality [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, gross	718,000	858,000
Real Estate Portfolio Segment [Member] | Commercial Real Estate [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	535,000	101,000
Real Estate Portfolio Segment [Member] | Commercial Real Estate [Member] | Financing Receivables, Equal to Greater than 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	1,019,000	465,000
Real Estate Portfolio Segment [Member] | Construction and Land [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due		41,000
Loans Not Past Due	12,685,000	10,978,000
Total	12,685,000	11,019,000
Real Estate Portfolio Segment [Member] | Construction and Land [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due		41,000
Commercial Portfolio Segment [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	571,000	124,000
Loans Not Past Due	36,391,000	38,623,000
Total	36,962,000	38,747,000
Commercial Portfolio Segment [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	532,000	1,000
Commercial Portfolio Segment [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	20,000	47,000
Commercial Portfolio Segment [Member] | Financing Receivables, Equal to Greater than 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	19,000	76,000
Consumer Portfolio Segment [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total	29,083,000	29,156,000
Consumer Portfolio Segment [Member] | Home Equity Loan [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	167,000	156,000
Loans Not Past Due	10,802,000	10,499,000
Total	10,969,000	10,655,000
Consumer Portfolio Segment [Member] | Home Equity Loan [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	68,000	1,000
Consumer Portfolio Segment [Member] | Home Equity Loan [Member] | Financing Receivables, Equal to Greater than 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	99,000	155,000
Consumer Portfolio Segment [Member] | Motor Vehicle [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	78,000	55,000
Loans Not Past Due	10,424,000	10,569,000
Total	10,502,000	10,624,000
Consumer Portfolio Segment [Member] | Motor Vehicle [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	59,000	40,000
Consumer Portfolio Segment [Member] | Motor Vehicle [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due		15,000
Consumer Portfolio Segment [Member] | Motor Vehicle [Member] | Financing Receivables, Equal to Greater than 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	19,000
Consumer Portfolio Segment [Member] | Other [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	28,000	22,000
Loans Not Past Due	7,584,000	7,854,000
Total	7,612,000	7,877,000
Consumer Portfolio Segment [Member] | Other [Member] | Receivables Acquired with Deteriorated Credit Quality [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, gross		1,000
Consumer Portfolio Segment [Member] | Other [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	14,000	2,000
Consumer Portfolio Segment [Member] | Other [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	3,000	$ 20,000
Consumer Portfolio Segment [Member] | Other [Member] | Financing Receivables, Equal to Greater than 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	$ 11,000

LOANS (Troubled Debt Restructur

LOANS (Troubled Debt Restructured During The Period) (Details) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2017USD ($)contract	Sep. 30, 2016USD ($)contract	Sep. 30, 2017USD ($)contractloan	Sep. 30, 2016USD ($)loan	Dec. 31, 2016USD ($)
Financing Receivable, Modifications [Line Items]
Financing receivable, modifications, subsequent default, number of contracts | contract	0	0	2
Financing receivable, modifications, subsequent default, recorded investment			$ 947
Financing receivable, modifications, recorded investment	$ 3,296		$ 3,296		$ 3,249
Financing receivable, modifications, number of contracts		2	3	3
Financing Receivable, Modifications, Pre-Modification Recorded Investment		$ 3,053	$ 265	$ 3,070
Financing Receivable, Modifications, Post-Modification Recorded Investment		$ 3,053	265	$ 3,070
Troubled Debt Restructurings, Non-accrual [Member]
Financing Receivable, Modifications [Line Items]
Financing receivable, modifications, subsequent default, recorded investment			947
Financing receivable, modifications, recorded investment	1,085		1,085		185
Troubled Debt Restructurings, Other [Member]
Financing Receivable, Modifications [Line Items]
Financing receivable, modifications, recorded investment	2,211		2,211		3,064
Commercial Portfolio Segment [Member]
Financing Receivable, Modifications [Line Items]
Financing receivable, modifications, recorded investment					19
Commercial Portfolio Segment [Member] | Troubled Debt Restructurings, Non-accrual [Member]
Financing Receivable, Modifications [Line Items]
Financing receivable, modifications, recorded investment					19
One to Four Family [Member] | Real Estate Portfolio Segment [Member]
Financing Receivable, Modifications [Line Items]
Financing receivable, modifications, subsequent default, recorded investment			114
Financing receivable, modifications, recorded investment	159		$ 159		17
Financing receivable, modifications, number of contracts | loan			2	1
Financing Receivable, Modifications, Pre-Modification Recorded Investment			$ 148	$ 17
Financing Receivable, Modifications, Post-Modification Recorded Investment			148	$ 17
One to Four Family [Member] | Real Estate Portfolio Segment [Member] | Troubled Debt Restructurings, Non-accrual [Member]
Financing Receivable, Modifications [Line Items]
Financing receivable, modifications, subsequent default, recorded investment			114
Financing receivable, modifications, recorded investment	143		143
One to Four Family [Member] | Real Estate Portfolio Segment [Member] | Troubled Debt Restructurings, Other [Member]
Financing Receivable, Modifications [Line Items]
Financing receivable, modifications, recorded investment	16		16		17
Commercial Real Estate [Member] | Real Estate Portfolio Segment [Member]
Financing Receivable, Modifications [Line Items]
Financing receivable, modifications, subsequent default, recorded investment			833
Financing receivable, modifications, recorded investment	3,137		$ 3,137		3,213
Financing receivable, modifications, number of contracts		2	1	2
Financing Receivable, Modifications, Pre-Modification Recorded Investment		$ 3,053	$ 117	$ 3,053
Financing Receivable, Modifications, Post-Modification Recorded Investment		$ 3,053	117	$ 3,053
Commercial Real Estate [Member] | Real Estate Portfolio Segment [Member] | Troubled Debt Restructurings, Non-accrual [Member]
Financing Receivable, Modifications [Line Items]
Financing receivable, modifications, subsequent default, recorded investment			833
Financing receivable, modifications, recorded investment	942		942		166
Commercial Real Estate [Member] | Real Estate Portfolio Segment [Member] | Troubled Debt Restructurings, Other [Member]
Financing Receivable, Modifications [Line Items]
Financing receivable, modifications, recorded investment	$ 2,195		$ 2,195		$ 3,047

LOANS (Financing Receivable Cre

LOANS (Financing Receivable Credit Quality Indicators ) (Details) - USD ($) $ in Thousands	Sep. 30, 2017	Dec. 31, 2016
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Net	$ 339,908	$ 346,715
Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Net	318,416	328,141
Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Net	4,336	8,025
Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Net	17,116	10,549
Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Net	40
Real Estate Portfolio Segment [Member] | One to Four Family [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Net	171,791	177,801
Real Estate Portfolio Segment [Member] | One to Four Family [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Net	164,772	171,109
Real Estate Portfolio Segment [Member] | One to Four Family [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Net	1,409	2,167
Real Estate Portfolio Segment [Member] | One to Four Family [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Net	5,610	4,525
Real Estate Portfolio Segment [Member] | Multi-Family [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Net	7,310	6,823
Real Estate Portfolio Segment [Member] | Multi-Family [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Net	7,310	6,823
Real Estate Portfolio Segment [Member] | Commercial Real Estate [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Net	82,077	83,169
Real Estate Portfolio Segment [Member] | Commercial Real Estate [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Net	74,466	74,267
Real Estate Portfolio Segment [Member] | Commercial Real Estate [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Net	2,484	4,048
Real Estate Portfolio Segment [Member] | Commercial Real Estate [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Net	5,127	4,854
Real Estate Portfolio Segment [Member] | Construction and Land [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Net	12,685	11,019
Real Estate Portfolio Segment [Member] | Construction and Land [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Net	12,501	10,826
Real Estate Portfolio Segment [Member] | Construction and Land [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Net	184	193
Commercial Portfolio Segment [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Net	36,962	38,747
Commercial Portfolio Segment [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Net	30,665	36,172
Commercial Portfolio Segment [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Net	420	1,802
Commercial Portfolio Segment [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Net	5,837	773
Commercial Portfolio Segment [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Net	40
Consumer Portfolio Segment [Member] | Home Equity Loan [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Net	10,969	10,655
Consumer Portfolio Segment [Member] | Home Equity Loan [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Net	10,708	10,478
Consumer Portfolio Segment [Member] | Home Equity Loan [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Net		6
Consumer Portfolio Segment [Member] | Home Equity Loan [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Net	261	171
Consumer Portfolio Segment [Member] | Motor Vehicle [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Net	10,502	10,624
Consumer Portfolio Segment [Member] | Motor Vehicle [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Net	10,391	10,594
Consumer Portfolio Segment [Member] | Motor Vehicle [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Net	22	2
Consumer Portfolio Segment [Member] | Motor Vehicle [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Net	89	28
Consumer Portfolio Segment [Member] | Other [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Net	7,612	7,877
Consumer Portfolio Segment [Member] | Other [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Net	7,603	7,872
Consumer Portfolio Segment [Member] | Other [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Net	1
Consumer Portfolio Segment [Member] | Other [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Net	$ 8	$ 5

LOANS (Composition of Acquired

LOANS (Composition of Acquired Loans) (Details) $ in Thousands	Sep. 30, 2017USD ($)
Financing Receivable, Impaired [Line Items]
Contractual Amount	$ 51,098
Fair Value Adjustments	(622)
Fair Value	50,476
Real Estate Portfolio Segment [Member] | One to Four Family [Member]
Financing Receivable, Impaired [Line Items]
Contractual Amount	28,144
Fair Value Adjustments	(395)
Fair Value	27,749
Real Estate Portfolio Segment [Member] | Multi-Family [Member]
Financing Receivable, Impaired [Line Items]
Contractual Amount	2,017
Fair Value Adjustments	(6)
Fair Value	2,011
Real Estate Portfolio Segment [Member] | Commercial Real Estate [Member]
Financing Receivable, Impaired [Line Items]
Contractual Amount	16,960
Fair Value Adjustments	(207)
Fair Value	16,753
Real Estate Portfolio Segment [Member] | Construction and Land [Member]
Financing Receivable, Impaired [Line Items]
Contractual Amount	523
Fair Value Adjustments	(2)
Fair Value	521
Commercial Portfolio Segment [Member]
Financing Receivable, Impaired [Line Items]
Contractual Amount	1,738
Fair Value Adjustments	(5)
Fair Value	1,733
Consumer Portfolio Segment [Member] | Home Equity Loan [Member]
Financing Receivable, Impaired [Line Items]
Contractual Amount	1,096
Fair Value Adjustments	(5)
Fair Value	1,091
Consumer Portfolio Segment [Member] | Motor Vehicle [Member]
Financing Receivable, Impaired [Line Items]
Contractual Amount	62
Fair Value	62
Consumer Portfolio Segment [Member] | Other [Member]
Financing Receivable, Impaired [Line Items]
Contractual Amount	558
Fair Value Adjustments	(2)
Fair Value	$ 556

LOANS (Schedule of Purchased Lo

LOANS (Schedule of Purchased Loans) (Details) - USD ($) $ in Thousands	Sep. 30, 2017	Dec. 31, 2016
Financing Receivable, Impaired [Line Items]
Notes receivable, net	$ 339,908	$ 346,715
Non-impaired Purchased Loans [Member]
Financing Receivable, Impaired [Line Items]
Notes receivable, net	48,812	57,618
Receivables Acquired with Deteriorated Credit Quality [Member]
Financing Receivable, Impaired [Line Items]
Notes receivable, net	1,664	1,872
Real Estate Portfolio Segment [Member] | Receivables Acquired with Deteriorated Credit Quality [Member]
Financing Receivable, Impaired [Line Items]
Notes receivable, net	1,664	1,871
Real Estate Portfolio Segment [Member] | One to Four Family [Member]
Financing Receivable, Impaired [Line Items]
Notes receivable, net	171,791	177,801
Real Estate Portfolio Segment [Member] | One to Four Family [Member] | Non-impaired Purchased Loans [Member]
Financing Receivable, Impaired [Line Items]
Notes receivable, net	26,803	30,449
Real Estate Portfolio Segment [Member] | One to Four Family [Member] | Receivables Acquired with Deteriorated Credit Quality [Member]
Financing Receivable, Impaired [Line Items]
Notes receivable, net	946	1,013
Real Estate Portfolio Segment [Member] | Multi-Family [Member]
Financing Receivable, Impaired [Line Items]
Notes receivable, net	7,310	6,823
Real Estate Portfolio Segment [Member] | Multi-Family [Member] | Non-impaired Purchased Loans [Member]
Financing Receivable, Impaired [Line Items]
Notes receivable, net	2,011	2,115
Real Estate Portfolio Segment [Member] | Commercial Real Estate [Member]
Financing Receivable, Impaired [Line Items]
Notes receivable, net	82,077	83,169
Real Estate Portfolio Segment [Member] | Commercial Real Estate [Member] | Non-impaired Purchased Loans [Member]
Financing Receivable, Impaired [Line Items]
Notes receivable, net	16,035	19,278
Real Estate Portfolio Segment [Member] | Commercial Real Estate [Member] | Receivables Acquired with Deteriorated Credit Quality [Member]
Financing Receivable, Impaired [Line Items]
Notes receivable, net	718	858
Real Estate Portfolio Segment [Member] | Construction and Land [Member]
Financing Receivable, Impaired [Line Items]
Notes receivable, net	12,685	11,019
Real Estate Portfolio Segment [Member] | Construction and Land [Member] | Non-impaired Purchased Loans [Member]
Financing Receivable, Impaired [Line Items]
Notes receivable, net	521	652
Commercial Portfolio Segment [Member]
Financing Receivable, Impaired [Line Items]
Notes receivable, net	36,962	38,747
Commercial Portfolio Segment [Member] | Non-impaired Purchased Loans [Member]
Financing Receivable, Impaired [Line Items]
Notes receivable, net	1,733	2,783
Consumer Portfolio Segment [Member] | Receivables Acquired with Deteriorated Credit Quality [Member]
Financing Receivable, Impaired [Line Items]
Notes receivable, net		1
Consumer Portfolio Segment [Member] | Home Equity Loan [Member]
Financing Receivable, Impaired [Line Items]
Notes receivable, net	10,969	10,655
Consumer Portfolio Segment [Member] | Home Equity Loan [Member] | Non-impaired Purchased Loans [Member]
Financing Receivable, Impaired [Line Items]
Notes receivable, net	1,091	1,433
Consumer Portfolio Segment [Member] | Motor Vehicle [Member]
Financing Receivable, Impaired [Line Items]
Notes receivable, net	10,502	10,624
Consumer Portfolio Segment [Member] | Motor Vehicle [Member] | Non-impaired Purchased Loans [Member]
Financing Receivable, Impaired [Line Items]
Notes receivable, net	62	202
Consumer Portfolio Segment [Member] | Other [Member]
Financing Receivable, Impaired [Line Items]
Notes receivable, net	7,612	7,877
Consumer Portfolio Segment [Member] | Other [Member] | Non-impaired Purchased Loans [Member]
Financing Receivable, Impaired [Line Items]
Notes receivable, net	$ 556	706
Consumer Portfolio Segment [Member] | Other [Member] | Receivables Acquired with Deteriorated Credit Quality [Member]
Financing Receivable, Impaired [Line Items]
Notes receivable, net		$ 1

LOANS (Loans Acquired with Dete

LOANS (Loans Acquired with Deteriorated Credit Quality, By Class) (Details) - USD ($) $ in Thousands	Sep. 30, 2017	Dec. 31, 2016
LOANS [Abstract]
Carrying amount	$ 1,664	$ 1,872
Non-Accretable difference	258	272
Accretable yield	113	146
Contractually-required principal and interest payments	$ 2,035	$ 2,290

LOANS (Rollforward of Accretabl

LOANS (Rollforward of Accretable yield) (Details) - USD ($)	3 Months Ended		9 Months Ended
	Sep. 30, 2017	Sep. 30, 2016	Sep. 30, 2017	Sep. 30, 2016
LOANS [Abstract]
Beginning Balance			$ 146,000	$ 292,000
New Loans Purchased
Accretion of income	$ (9,000)	$ (42,000)	(33,000)	(128,000)
Reclassifications from nonaccretable difference
Disposals
Ending Balance	$ 113,000	$ 164,000	$ 113,000	$ 164,000

FEDERAL HOME LOAN BANK ADVANC46

FEDERAL HOME LOAN BANK ADVANCES AND OTHER BORROWINGS (Narrative) (Details) - USD ($) $ in Thousands	Jun. 20, 2017	Jun. 16, 2016	Sep. 30, 2017	Dec. 31, 2016
Other borrowings			$ 1,500	$ 0
Line of credit facility, maximum borrowing capacity		$ 2,000
Line of credit facility, interest rate during period		4.00%
Proceeds from other borrowings			$ 1,500
Line of credit facility, interest rate at period end			4.75%
Line of Credit [Member]
Proceeds from other borrowings	$ 1,500
Prime Rate [Member] | Line of Credit [Member]
Debt instrument, basis spread on variable rate		0.50%

FEDERAL HOME LOAN BANK ADVANC47

FEDERAL HOME LOAN BANK ADVANCES AND OTHER BORROWINGS (Schedule of FHLB Advances) (Details) - USD ($) $ in Thousands	Sep. 30, 2017	Dec. 31, 2016
Schedule of federal home loan bank advances
Maturities December 2017 through January 2029, fixed rate at rates from 1.22% to 4.27%, weighted average rate of 1.69% at September 30, 2017 and 1.80% at December 31, 2016	$ 10,805	$ 9,332
Minimum [Member]
Schedule of federal home loan bank advances
Maturities fixed rates	1.22%	1.22%
Maximum [Member]
Schedule of federal home loan bank advances
Maturities fixed rates	4.27%	4.27%
Weighted Average [Member]
Schedule of federal home loan bank advances
Maturities fixed rates	1.69%	1.80%

FEDERAL HOME LOAN BANK ADVANC48

FEDERAL HOME LOAN BANK ADVANCES AND OTHER BORROWINGS (FHLB Advances, Contractually Required Payments) (Details) - USD ($) $ in Thousands	Sep. 30, 2017	Dec. 31, 2016
Payments contractually required over the next five years
2,018	$ 9,685
2,019	632
2,020	93
2,021	79
2,022	67
Thereafter	249
Total	$ 10,805	$ 9,332

FAIR VALUE (Narrative) (Details

FAIR VALUE (Narrative) (Details) - USD ($)	3 Months Ended		9 Months Ended
	Sep. 30, 2017	Sep. 30, 2016	Sep. 30, 2017	Sep. 30, 2016	Dec. 31, 2016
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Impaired loans, gross	$ 339,908,000		$ 339,908,000		$ 346,715,000
Loans receivable, allowance for losses	3,186,000		3,186,000		2,349,000
Loans receivable, net of allowance	336,237,000		336,237,000		343,921,000
Provision for loan losses	947,000	$ 352,000	1,646,000	$ 812,000
Other real estate owned write-downs	42,000	34,000	100,000	48,000
Other real estate owned, carrying amount	260,000		260,000		276,000
Outstanding balance	362,000		362,000		390,000
Other real estate, valuation allowance	102,000		$ 102,000		114,000
Minimum [Member] | Bank management [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Appraisal values discounted to allow for selling expenses and fees			5.00%
Maximum [Member] | Bank management [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Appraisal values discounted to allow for selling expenses and fees			10.00%
Carrying (Reported) Amount, Fair Value Disclosure [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Loans receivable, fair value disclosure	336,237,000		$ 336,237,000		343,921,000
Receivables Acquired with Deteriorated Credit Quality [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Impaired loans, gross	776,000,000,000		776,000,000,000		951,000
Loans receivable, allowance for losses	267,000		267,000		30,000
Loans receivable, net of allowance	509,000		509,000		$ 921,000
Impaired Loans [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Charge-offs	353,000	0	391,000	31,000
Provision for loan losses	$ 294,000	$ 10,000	$ 488,000	$ 80,000

FAIR VALUE (Assets and Liabilit

FAIR VALUE (Assets and Liabilities Measured on Recurring Basis) (Details) - USD ($) $ in Thousands	Sep. 30, 2017	Dec. 31, 2016
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities	$ 64,660	$ 58,261
Fair Value Measurements (Level 2) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities	64,660	58,261
US States and Political Subdivisions Debt Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities	19,531	19,892
US States and Political Subdivisions Debt Securities [Member] | Fair Value Measurements (Level 2) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities	19,531	19,892
US Government Agencies Debt Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities	3,445	3,463
US Government Agencies Debt Securities [Member] | Fair Value Measurements (Level 2) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities	3,445	3,463
Residential Mortgage Backed Securities [Member] | Fair Value Measurements (Level 2) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities	26,857	22,155
Collateralized Mortgage Obligations [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities	5,435	5,406
Collateralized Mortgage Obligations [Member] | Fair Value Measurements (Level 2) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities	5,435	5,406
SBA Loan Pools [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities	9,392	7,345
SBA Loan Pools [Member] | Fair Value Measurements (Level 2) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities	9,392	7,345
Carrying (Reported) Amount, Fair Value Disclosure [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities	64,660	58,261
Carrying (Reported) Amount, Fair Value Disclosure [Member] | US States and Political Subdivisions Debt Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities	19,531	19,892
Carrying (Reported) Amount, Fair Value Disclosure [Member] | US Government Agencies Debt Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities	3,445	3,463
Carrying (Reported) Amount, Fair Value Disclosure [Member] | Residential Mortgage Backed Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities	26,857	22,155
Carrying (Reported) Amount, Fair Value Disclosure [Member] | Collateralized Mortgage Obligations [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities	5,435	5,406
Carrying (Reported) Amount, Fair Value Disclosure [Member] | SBA Loan Pools [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities	$ 9,392	$ 7,345

FAIR VALUE (Assets Measured at

FAIR VALUE (Assets Measured at Fair Value on a Non-recurring Basis) (Details) - USD ($) $ in Thousands	Sep. 30, 2017	Dec. 31, 2016
Impaired Loans [Member] | Real Estate Portfolio Segment [Member] | Fair Value Measurements (Level 1) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure, Nonrecurring
Impaired Loans [Member] | Real Estate Portfolio Segment [Member] | Fair Value Measurements (Level 1) [Member] | Commercial Real Estate [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure, Nonrecurring
Impaired Loans [Member] | Real Estate Portfolio Segment [Member] | Fair Value Measurements (Level 2) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure, Nonrecurring
Impaired Loans [Member] | Real Estate Portfolio Segment [Member] | Fair Value Measurements (Level 2) [Member] | Commercial Real Estate [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure, Nonrecurring
Impaired Loans [Member] | Real Estate Portfolio Segment [Member] | Fair Value Measurements (Level 3) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure, Nonrecurring	$ 509	613
Impaired Loans [Member] | Real Estate Portfolio Segment [Member] | Fair Value Measurements (Level 3) [Member] | Commercial Real Estate [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure, Nonrecurring		250
Impaired Loans [Member] | Commercial Real Estate Portfolio Segment [Member] | Fair Value Measurements (Level 1) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure, Nonrecurring
Impaired Loans [Member] | Commercial Real Estate Portfolio Segment [Member] | Fair Value Measurements (Level 2) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure, Nonrecurring
Impaired Loans [Member] | Commercial Real Estate Portfolio Segment [Member] | Fair Value Measurements (Level 3) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure, Nonrecurring		58
Impaired Loans [Member] | Carrying (Reported) Amount, Fair Value Disclosure [Member] | Real Estate Portfolio Segment [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure, Nonrecurring	509	613
Impaired Loans [Member] | Carrying (Reported) Amount, Fair Value Disclosure [Member] | Real Estate Portfolio Segment [Member] | Commercial Real Estate [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure, Nonrecurring		250
Impaired Loans [Member] | Carrying (Reported) Amount, Fair Value Disclosure [Member] | Commercial Real Estate Portfolio Segment [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure, Nonrecurring		58
Other Real Estate Owned [Member] | Real Estate Portfolio Segment [Member] | Fair Value Measurements (Level 1) [Member] | Real Estate Loan [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure, Nonrecurring
Other Real Estate Owned [Member] | Real Estate Portfolio Segment [Member] | Fair Value Measurements (Level 2) [Member] | Real Estate Loan [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure, Nonrecurring
Other Real Estate Owned [Member] | Real Estate Portfolio Segment [Member] | Fair Value Measurements (Level 3) [Member] | Real Estate Loan [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure, Nonrecurring	214	268
Other Real Estate Owned [Member] | Commercial Real Estate Portfolio Segment [Member] | Fair Value Measurements (Level 1) [Member] | Commercial Real Estate [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure, Nonrecurring
Other Real Estate Owned [Member] | Commercial Real Estate Portfolio Segment [Member] | Fair Value Measurements (Level 2) [Member] | Commercial Real Estate [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure, Nonrecurring
Other Real Estate Owned [Member] | Commercial Real Estate Portfolio Segment [Member] | Fair Value Measurements (Level 3) [Member] | Commercial Real Estate [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure, Nonrecurring	46	8
Other Real Estate Owned [Member] | Carrying (Reported) Amount, Fair Value Disclosure [Member] | Real Estate Portfolio Segment [Member] | Real Estate Loan [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure, Nonrecurring	214	268
Other Real Estate Owned [Member] | Carrying (Reported) Amount, Fair Value Disclosure [Member] | Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure, Nonrecurring	$ 46	$ 8

FAIR VALUE (Fair Value, by Bala

FAIR VALUE (Fair Value, by Balance Sheet Grouping) (Details) - USD ($) $ in Thousands	Sep. 30, 2017	Dec. 31, 2016
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Securities	$ 64,660	$ 58,261
Accrued interest receivable	1,307	1,397
Accrued interest payable	80	52
Carrying (Reported) Amount, Fair Value Disclosure [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents	25,822	24,389
Interest bearing deposits	2,490	1,992
Securities	64,660	58,261
Restricted stock	3,276	3,276
Loans held for sale		611
Loans, net	336,237	343,921
Accrued interest receivable	1,307	1,397
Deposits	374,913	374,708
Other borrowings	1,500
Federal Home Loan Bank advances	10,805	9,332
Subordinated debenture	2,873	2,825
Accrued interest payable	80	52
Portion at Fair Value Measurement [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents	25,822	24,389
Interest bearing deposits	2,502	1,992
Securities	64,660	58,261
Loans held for sale		611
Loans, net	340,373	341,288
Accrued interest receivable	1,307	1,397
Deposits	374,732	344,180
Other borrowings	1,500
Federal Home Loan Bank advances	10,810	9,458
Subordinated debenture	2,403	2,825
Accrued interest payable	80	52
Fair Value Measurements (Level 1) [Member] | Portion at Fair Value Measurement [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents	25,822	24,389
Deposits	209,701	164,914
Federal Home Loan Bank advances		5,004
Fair Value Measurements (Level 2) [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Securities	64,660	58,261
Fair Value Measurements (Level 2) [Member] | Portion at Fair Value Measurement [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Interest bearing deposits	2,502	1,992
Securities	64,660	58,261
Loans held for sale		611
Accrued interest receivable	333	300
Deposits	165,031	179,266
Other borrowings	1,500
Federal Home Loan Bank advances	10,810	4,454
Subordinated debenture	2,403	2,825
Accrued interest payable	80	52
Fair Value Measurements (Level 3) [Member] | Portion at Fair Value Measurement [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Loans, net	340,373	341,288
Accrued interest receivable	$ 974	$ 1,097

ESOP (Narrative) (Details)

ESOP (Narrative) (Details) - USD ($)	3 Months Ended		9 Months Ended
	Sep. 30, 2017	Sep. 30, 2016	Sep. 30, 2017	Sep. 30, 2016
ESOP [Abstract]
Number of shares issued for ESOP			269,790
Employee Stock Ownership Plan (ESOP), weighted average purchase price of shares purchased			$ 10
Employee Stock Ownership Plan (ESOP), cash contributions to ESOP	$ 0	$ 0	$ 0	$ 0

ESOP (Schedule of Shares Held b

ESOP (Schedule of Shares Held by the ESOP) (Details) - USD ($) $ in Thousands	Sep. 30, 2017	Dec. 31, 2016
ESOP [Abstract]
Allocated to participants	64,148	54,165
Released, but unallocated	10,152	13,501
Unearned	188,806	198,958
Total ESOP shares	263,106	266,624
Fair value of unearned shares (in dollars)	$ 3,417	$ 3,740

EARNINGS PER SHARE (Narrative)

EARNINGS PER SHARE (Narrative) (Details) - shares	3 Months Ended	9 Months Ended
	Sep. 30, 2016	Sep. 30, 2017	Sep. 30, 2016
Employee Stock Option [Member]
Earnings Per Share, Basic, by Common Class, Including Two Class Method [Line Items]
Antidilutive securities	0	0	0

EARNINGS PER SHARE (Schedule of

EARNINGS PER SHARE (Schedule of Earnings per Share) (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2017	Sep. 30, 2016	Sep. 30, 2017	Sep. 30, 2016
Basic
Net income (loss)	$ (18)	$ 364	$ 812	$ 1,551
Less: Earnings allocated to participating securities		3	5	16
Net income available to common shareholders	$ (18)	$ 361	$ 807	$ 1,535
Weighted average common shares outstanding	3,522,121	3,764,946	3,627,092	3,808,622
Less: Average unallocated ESOP shares	191,037	204,571	194,388	207,922
Average participating shares	15,357	31,098	21,170	39,139
Average shares	3,315,727	3,529,277	3,411,534	3,561,561
Basic earnings per common share	$ (0.01)	$ 0.10	$ 0.23	$ 0.43
Diluted
Net income available to common shareholders	$ (18)	$ 361	$ 807	$ 1,535
Weighted average common shares outstanding for basic earnings per common share	3,315,727	3,529,277	3,411,534	3,561,561
Add: Dilutive effects of assumed exercises of stock options		31,012	29,765	20,744
Average shares and dilutive potential common shares	3,315,727	3,560,289	3,441,299	3,582,305
Diluted earnings per common share	$ (0.01)	$ 0.10	$ 0.23	$ 0.43

STOCK BASED COMPENSATION (Narra

STOCK BASED COMPENSATION (Narrative) (Details) - USD ($)	May 31, 2015	Mar. 19, 2014	May 10, 2013	Apr. 16, 2013	Sep. 30, 2017	Sep. 30, 2016	Jun. 30, 2017	Sep. 30, 2017	Sep. 30, 2016	Dec. 31, 2016	Jan. 08, 2013
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based compensation arrangement by share-based payment award, number of shares authorized											472,132
Employee Stock Option [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based compensation arrangement by share-based payment award, number of shares authorized											337,237
Options, granted	5,000	20,000	300,000
Share-based compensation arrangement by share-based payment award, award vesting period								5 years
Share-based compensation arrangement by share-based payment award, expiration period								10 years
Options, vested								36,250
Allocated share-based compensation expense					$ 18,000	$ 18,000		$ 54,000	$ 68,000
Unrecognized stock-based compensation expense					$ 58,000			$ 58,000		$ 112,000
Options outstanding					142,850			142,850		179,900
Options outstanding, intrinsic value					$ 457,000			$ 457,000		$ 698,000
Fully vested and exercisable					100,600			100,600		101,400
Fully vested and exercisable, intrinsic value					$ 322,000			$ 322,000		$ 393,000
Options, exercised, intrinsic value								$ 164,000
Restricted Stock [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based compensation arrangement by share-based payment award, number of shares authorized											134,895
Other than options, granted				134,895
Share-based compensation arrangement by share-based payment award, award vesting period								5 years
Options, vested								15,114
Allocated share-based compensation expense					58,000	$ 55,000		$ 173,000	$ 233,000
Unrecognized stock-based compensation expense					$ 126,000			$ 126,000		$ 299,000
Unrecognized compensation cost, period for recognition							1 year 1 month 6 days			1 year 1 month 6 days
Maximum [Member] | Employee Stock Option [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Unrecognized compensation cost, period for recognition								2 years 7 months 6 days		2 years 7 months 6 days

STOCK BASED COMPENSATION (Sched

STOCK BASED COMPENSATION (Schedule of Stock Option Activity) (Details) - $ / shares	May 31, 2015	Mar. 19, 2014	May 10, 2013	Sep. 30, 2017	Dec. 31, 2016
Options
Options Exercised and settled				(5,627)
Employee Stock Option [Member]
Options
Options Outstanding - Beginning of period				179,900
Options Granted	5,000	20,000	300,000
Options Exercised and settled				(37,050)
Options Forfeited
Options Outstanding - End of period				142,850
Weighted Average Exercise Price
Weighted Average Exercise Price, Outstanding - Beginning of period				$ 14.92
Weighted Average Exercise Price, Granted
Weighted Average Exercise Price, Exercised				14.99
Weighted Average Exercise Price, Forfeited
Weighted Average Exercise Price, Outstanding - End of period				$ 14.90
Vested and Expected to Vest
Fully vested and exercisable				100,600	101,400
Expected to vest in future periods				42,250

STOCK BASED COMPENSATION (Sch59

STOCK BASED COMPENSATION (Schedule of Non-Vested Restricted Stock Activity) (Details) - Restricted Stock [Member] - shares	Apr. 16, 2013	Sep. 30, 2017
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Balance - Beginning of period		30,471
Granted	134,895
Forfeited
Vested		(15,114)
Balance - End of period		15,357

ACCUMULATED OTHER COMPREHENSI60

ACCUMULATED OTHER COMPREHENSIVE INCOME (Schedule of Accumulated Other Comprehensive Income) (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2017	Sep. 30, 2016	Sep. 30, 2017	Sep. 30, 2016
Accumulated Other Comprehensive Income (Loss) [Line Items]
Balances, beginning			$ 68,701
Net current period other comprehensive income (loss)	$ (68)	$ (89)	401	$ 440
Balances, ending	66,035		66,035
Other comprehensive income (loss), tax benefit (expense), portion attributable to parent			0	1
Accumulated Other Comprehensive Income (Loss) [Member]
Accumulated Other Comprehensive Income (Loss) [Line Items]
Balances, beginning	316	913	(153)	384
Net current period other comprehensive income (loss)			401
Balances, ending	248	824	248	824
Accumulated Net Investment Gain (Loss) Attributable to Parent [Member]
Accumulated Other Comprehensive Income (Loss) [Line Items]
Other comprehensive income, net of tax before reclassification	(68)	(89)	401	438
Amounts reclassified from accumulated other comprehensive income for loss on call of securities, net of tax expense of $0, $1, $0 and $1 respectively				2
Net current period other comprehensive income (loss)	(68)	(89)	$ 401	$ 440
Other comprehensive income (loss), tax benefit (expense), portion attributable to parent	$ 0	$ 0