Citizens Independent Bancorp (CZID) 10-Q 14 Aug 14 2014 Q2 Quarterly report Financial data

Document_And_Entity_Informatio

Document And Entity Information	6 Months Ended
	Jun. 30, 2014	Aug. 12, 2014
Document Information [Line Items]	'	'
Entity Registrant Name	'Citizens Independent Bancorp, Inc.	'
Entity Central Index Key	'0001553830	'
Current Fiscal Year End Date	'--12-31	'
Entity Filer Category	'Smaller Reporting Company	'
Trading Symbol	'CK0001553830	'
Entity Common Stock, Shares Outstanding	'	637,818
Document Type	'10-Q	'
Amendment Flag	'false	'
Document Period End Date	30-Jun-14	'
Document Fiscal Period Focus	'Q2	'
Document Fiscal Year Focus	'2014	'

CONSOLIDATED_BALANCE_SHEETS

CONSOLIDATED BALANCE SHEETS (USD $)	Jun. 30, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Cash and cash equivalents	'	'
Cash and amounts due from depository institutions	$5,310	$6,758
Federal funds sold	14,582	8,246
Total cash and cash equivalents	19,892	15,004
Securities available for sale	37,766	34,630
Other investment securities	859	859
Loans	143,788	147,017
Allowance for loan losses	-3,900	-4,384
Net loans	139,888	142,633
Premises and equipment, net	3,185	3,283
Accrued interest receivable	352	446
Other real estate owned	1,001	2,532
Other assets	1,187	1,465
TOTAL ASSETS	204,130	200,852
Deposits	'	'
Noninterest bearing	22,150	20,539
Interest bearing	163,329	165,032
Total deposits	185,479	185,571
Borrowed funds	6,255	6,363
Stock proceeds escrow	55	0
Accrued interest payable	1,654	1,935
Other liabilities	1,194	1,357
TOTAL LIABILITIES	194,637	195,226
SHAREHOLDERS' EQUITY	'	'
Cumulative preferred stock of no par value; 100,000 shares authorized, 0 shares issued and outstanding	0	0
Common stock of no par value; 900,000 shares authorized, 637,805 shares issued and outstanding at June 30, 2014 and 399,748 shares issued and outstanding at December 31, 2013, respectively	12,337	9,307
Stock warrants outstanding; 119,028 warrants issued and outstanding as of June 30, 2014 and 0 warrants outstanding at December 31, 2013, respectively	188	0
Retained earnings	3,877	3,380
Treasury stock, at cost, 54,380 shares at June 30, 2014 and December 31, 2013, respectively	-6,590	-6,590
Accumulated other comprehensive income (loss)	-319	-471
TOTAL SHAREHOLDERS' EQUITY	9,493	5,626
TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY	$204,130	$200,852

CONSOLIDATED_BALANCE_SHEETS_Pa

CONSOLIDATED BALANCE SHEETS [Parenthetical] (USD $)	Jun. 30, 2014	Dec. 31, 2013
In Thousands, except Per Share data, unless otherwise specified
Preferred stock, par value (in dollars per share)	$0	$0
Preferred stock, shares authorized	100,000	100,000
Preferred stock, shares issued	0	0
Preferred stock, shares outstanding	0	0
Common stock, par value (in dollars per share)	$0	$0
Common stock, shares authorized	900,000	900,000
Common stock, shares issued	637,805	399,748
Common stock, shares outstanding	637,805	399,748
Treasury stock, shares	54,380	54,380
Stock warrants issued and outstanding	119,028	0

CONSOLIDATED_STATEMENTS_OF_INC

CONSOLIDATED STATEMENTS OF INCOME (USD $)	3 Months Ended		6 Months Ended
In Thousands, except Per Share data, unless otherwise specified	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013
INTEREST INCOME	'	'	'	'
Interest and fees on loans	$1,832	$2,169	$3,731	$4,503
Interest and dividends on investment securities	175	194	380	393
Interest on federal funds sold	7	1	16	4
TOTAL INTEREST INCOME	2,014	2,364	4,127	4,900
INTEREST EXPENSE	'	'	'	'
Interest on deposits	305	397	627	835
Interest on borrowed funds	113	120	226	235
TOTAL INTEREST EXPENSE	418	517	853	1,070
NET INTEREST INCOME	1,596	1,847	3,274	3,830
Provision for loan losses	-186	25	-186	191
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES	1,782	1,822	3,460	3,639
NONINTEREST INCOME	'	'	'	'
Service charges	113	128	226	255
Net gain on sale of securities	0	31	0	31
Net gain on sale of loans	0	18	0	49
Net gain (loss) on sale of other real estate owned	-4	14	371	4
Credit card income and fees	86	80	167	161
Other	85	75	141	179
TOTAL NONINTEREST INCOME	280	346	905	679
NONINTEREST EXPENSE	'	'	'	'
Salaries and employee benefits	853	886	1,711	1,910
Net occupancy and equipment expense	269	289	599	550
Other real estate owned expense	77	18	157	-21
FDIC insurance expense	105	135	240	270
Legal and professional fees	85	-3	192	135
Data processing	85	97	162	173
Advertising	51	45	97	93
Examinations and audits	43	42	82	90
Telephone	26	31	46	62
Other operating expenses	272	282	582	583
TOTAL NONINTEREST EXPENSE	1,866	1,822	3,868	3,845
INCOME BEFORE INCOME TAXES	196	346	497	473
Income tax expense	0	0	0	0
NET INCOME	$196	$346	$497	$473
Basic earnings per common share (in dollars per share)	$0.35	$1.09	$0.99	$1.49
Diluted earnings per common share (in dollars per share)	$0.29	$1.09	$0.86	$1.49

CONSOLIDATED_STATEMENTS_OF_COM

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (LOSS) (USD $)	3 Months Ended		6 Months Ended
In Thousands, unless otherwise specified	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013
Net income	$196	$346	$497	$473
Other comprehensive income (loss), net of tax:	'	'	'	'
Unrealized net holding gain (loss) on securities available for sale, net of income taxes	92	-509	152	-536
Reclassification for gains recognized on sale of securities available for sale, net of income taxes	0	-20	0	-20
Other comprehensive income (loss)	92	-529	152	-556
Comprehensive income (loss)	$288	($183)	$649	($83)

CONSOLIDATED_STATEMENTS_OF_COM1

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME [Parenthetical] (USD $)	3 Months Ended		6 Months Ended
In Thousands, unless otherwise specified	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013
Other Comprehensive Income (Loss), Unrealized Holding Gain (Loss) on Securities Arising During Period, Tax	$47	($260)	$79	($274)
Other Comprehensive Income (Loss), Reclassification Adjustment from AOCI for Sale of Securities, Tax	'	$11	'	$11

CONDENSED_CONSOLIDATED_STATEME

CONDENSED CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY (USD $)	6 Months Ended
In Thousands, unless otherwise specified	Jun. 30, 2014	Jun. 30, 2013
Balance at beginning of period	$5,626	$5,524
Issuance of common stock - 238,057 shares in 2014	3,030	0
Issuance of common stock warrants - 119,028 warrants in 2014	188	0
Purchase of treasury stock - 625 shares in 2013	'	-61
Net income	497	473
Other comprehensive income (loss)	152	-556
Balance at end of period	$9,493	$5,380

CONDENSED_CONSOLIDATED_STATEME1

CONDENSED CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY [Parenthetical]	6 Months Ended
	Jun. 30, 2013	Jun. 30, 2014
		Common Stock [Member]
Stock Issued During Period, Shares, New Issues	'	238,057
Stock Repurchased During Period, Shares	625	'

CONSOLIDATED_STATEMENTS_OF_CAS

CONSOLIDATED STATEMENTS OF CASH FLOWS (USD $)	6 Months Ended
In Thousands, unless otherwise specified	Jun. 30, 2014	Jun. 30, 2013
CASH FLOWS FROM OPERATING ACTIVITIES	'	'
Net income	$497	$473
Adjustment to reconcile net income to net cash provided by (used in) operating activities	'	'
Provision for loan losses	-186	191
Depreciation and amortization	182	191
Deferred income taxes	0	0
Investment securities amortization (accretion), net	-2	0
Provision for loss on other real estate owned	74	-57
Change in value of bank owned life insurance	0	3
Net (gain) loss on sale of other real estate owned	-371	-4
(Gain) loss on sale of investments	0	-31
Net (gain) loss on disposition of premises and equipment	20	100
Net (gain) on sale of loans	0	-49
Proceeds from sale of loans	0	2,713
Loans originated for sale	0	-2,794
Net change in:	'	'
Accrued interest receivable	94	0
Accrued interest payable	-281	-169
Other assets	197	-162
Other liabilities	-107	-406
Net cash provided by (used in) operating activities	117	-1
CASH FLOWS FROM INVESTING ACTIVITIES	'	'
Purchases of available for sale securities	-5,070	0
Proceeds from maturities of available for sale securities	2,168	5,502
Proceeds from sales of other securities	0	80
Net change in loans	2,470	7,528
Proceeds from sale of other real estate owned	2,289	1,652
Purchases of premises and equipment	-104	-94
Net cash provided by investing activities	1,753	14,668
CASH FLOWS FROM FINANCING ACTIVITIES	'	'
Net change in deposits	-92	-11,439
Payments on borrowed funds	-108	-100
Purchase of treasury stock	0	-61
Proceeds from issuance of common stock and warrants	3,218	0
Net cash provided by (used in) financing activities	3,018	-11,600
Net increase in cash and cash equivalents	4,888	3,067
CASH AND CASH EQUIVALENTS AT BEGINNING OF PERIOD	15,004	10,215
CASH AND CASH EQUIVALENTS AT END OF PERIOD	19,892	13,282
Supplemental Disclosure of Cash Flows	'	'
Cash paid during the period for, interest	1,135	1,238
Cash paid during the period for, taxes	0	0
Supplemental Schedule of Noncash Investing and Financing Activities	'	'
Transfer of loans to other real estate owned	$462	$0

SUMMARY_OF_SIGNIFICANT_ACCOUNT

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	6 Months Ended
	Jun. 30, 2014
Accounting Policies [Abstract]	'
Significant Accounting Policies [Text Block]	'
	NOTE 1 - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
	Nature of Operations
	Citizens Independent Bancorp, Inc. (the Bancorp), a bank holding company for The Citizens Bank of Logan (the Bank), collectively referred to as the “Company” is engaged in the business of commercial and retail banking services with operations conducted through offices in Hocking, Athens and Fairfield counties. These communities and surrounding areas are the source of substantially all the Company's deposit and loan activities. Secured loans are secured by business assets, consumer assets, residential real estate and non-residential real estate. The majority of Company income is derived from commercial, real estate and retail lending activities and investments. Other financial instruments which potentially represent concentrations of credit risk include deposit accounts in other financial institutions and federal funds sold.
	Basis of Financial Statement Presentation
	These consolidated financial statements have been prepared in accordance with generally accepted accounting principles for interim financial information and with instructions to Form 10-Q and Article 8 of Regulation S-X.  Accordingly, they do not include all the information and footnotes required by generally accepted accounting principles (GAAP) for annual year-end financial statements. In the opinion of management, all adjustments considered necessary for a fair presentation, have been included and are of a normal, recurring nature. The balance sheet as of December 31, 2013 has been derived from the audited financial statements at that date, but does not include all of the information and footnotes required by generally accepted accounting principles.  Operating results for the three and six month periods ended June 30, 2014 are not necessarily indicative of the results that may be expected for the year ending December 31, 2014.
	The accounting and reporting policies of the Bancorp and the Bank conform to accounting principles generally accepted in the United States of America and to general practices followed within the banking industry.
	The consolidated balance sheet as of December 31, 2013 has been extracted from audited financial statements included in the Company’s 2013 filing on Form 10-K. Certain information and footnote disclosures normally included in financial statements prepared in accordance with accounting principles generally accepted in the United States have been omitted. These financial statements should be read in conjunction with the financial statements and notes thereto included in the Company’s December 31, 2013 Form 10-K.
	Information is presented in these notes with dollars expressed in thousands, unless otherwise noted or specified.
	Principles of Consolidation
	The consolidated financial statements include the accounts of Citizens Independent Bancorp, Inc. and its wholly-owned subsidiary, The Citizens Bank of Logan. The financial statements of the Bank include the accounts of its wholly-owned subsidiaries, Countywide Mortgage Company and Countywide Loan Company. Citizens Travel Center was closed in third quarter, 2013. The balance sheet and statement of income for the Citizens Travel Center were immaterial to the 2013 consolidated financial statements. All significant intercompany transactions and balances have been eliminated.
	Recent Accounting Pronouncements
	In July 2013, the FASB issued ASU 2013-11, Income Taxes (Topic 740): Presentation of an Unrecognized Tax Benefit When a Net Operating Loss Carryforward, a Similar Tax Loss, or a Tax Credit Carryforward Exists. This Update applies to all entities that have unrecognized tax benefits when a net operating loss carryforward, a similar tax loss, or a tax credit carryforward exists at the reporting date. An unrecognized tax benefit, or a portion of an unrecognized tax benefit, should be presented in the financial statements as a reduction to a deferred tax asset for a net operating loss carryforward, a similar tax loss, or a tax credit carryforward, except as follows. To the extent a net operating loss carryforward, a similar tax loss, or a tax credit carryforward is not available at the reporting date under the tax law of the applicable jurisdiction to settle any additional income taxes that would result from the disallowance of a tax position or the tax law of the applicable jurisdiction does not require the entity to use, and the entity does not intend to use, the deferred tax asset for such purpose, the unrecognized tax benefit should be presented in the financial statements as a liability and should not be combined with deferred tax assets. The assessment of whether a deferred tax asset is available is based on the unrecognized tax benefit and deferred tax asset that exist at the reporting date and should be made presuming disallowance of the tax position at the reporting date. The amendments in this Update are effective for fiscal years, and interim periods within those years, beginning after December 15, 2013. The adoption of this pronouncement did not have a material effect on the consolidated financial statements.
	Stock Offering
	On October 25, 2013, we commenced an offering for the sale of up to 369,754 of our common shares, without par value, at a subscription price of $15.39 per share (up to $5,690,514), which subscription price was intended to be equal to 90% of the book value per share of the Company on September 30, 2013. In addition, for each two shares purchased by a shareholder in the stock offering, the Company issued to the shareholder, for no additional consideration, a warrant entitling the shareholder to purchase, upon exercise of the warrant, one additional common share. The exercise price of each warrant share will be equal to 90% of the book value of a common share as reflected on the books of the Company on the last day of the month prior to the warrant exercise date. The offering had two components, a rights offering, which expired on January 31, 2014, followed by a public offering that terminated June 25, 2014.
	On February 1, 2014, following the expiration of the rights offering, the Company commenced the public offering of the common shares (and warrants) that were not subscribed for in the rights offering. The subscription price of the common shares, and the warrant terms, offered in the public offering were the same as those offered to the Company’s shareholders in the rights offering.
	During the 2013 year-end accounting process, we discovered an accounting error in the reconciliation of the ATM settlement account that relates to 2012. Essentially a programming error resulted in under-collection of ATM fees due to the Bank. As a result of this program error, net income for 2012 was overstated by $344,000. To correct the error and as reported by the Company in a Form 8-K filed with the Securities and Exchange Commission on March 11, 2014, the Company restated its books for 2012, increasing the net loss previously reported by $344,000. This increased net loss for 2012 caused a reduction in the per share book value of the Company as of September 30, 2013 from $17.10 to $16.10.
	Because the subscription price of the common shares in the offering was based upon an incorrect per share book value as of September 30, 2013, the Board of Directors amended the offering terms to sell the common shares at $14.49 per share. Those shareholders who had purchased stock at the initial price of $15.39 per share were offered the option of rescission or were refunded the difference of $0.90 per share between the original offered price and the adjusted price of $14.49 per share. A total of 63 shares were rescinded. The Company sold a total of 238,057 shares at a price of $14.49 per share in the stock offering. Net proceeds of the offering were reduced by $231 thousand of direct stock offering costs. The Company invested $2.1 million in The Citizens Bank of Logan. Remaining funds of $1.1 million were retained in the holding company for debt service and general purposes.
	Common Stock Warrants
	In June, 2014, the Company issued warrants to purchase 119,028 shares of common stock in connection with the issuance of common stock in the stock offering. These warrants are valid for a period of two years and expire June 26, 2016. Allocated value of these common stock warrants is $188 thousand based on the Black Scholes methodology.

EARNINGS_PER_COMMON_SHARE

EARNINGS PER COMMON SHARE	6 Months Ended
	Jun. 30, 2014
Earnings Per Share [Abstract]	'
Earnings Per Share [Text Block]	'
	NOTE 2 - EARNINGS PER COMMON SHARE
	Earnings per common share are net income divided by the weighted average common shares outstanding during the period. The factors used in the earnings per share computation for the three and six month periods ended June 30, 2014 and 2013 follow:
		(Dollars in thousands, except
		per share data)
		Three Months Ended
		June 30,
		2014		2013
	Net income	$	196	$	346
	Weighted average common shares outstanding		560,485		317,025
	Basic earnings per common share	$	0.35	$	1.09
	Total Shares and Warrants		668,043		317,025
	Diluted earnings per common share	$	0.29	$	1.09
		Six Months Ended
		June 30,
		2014		2013
	Net income	$	497	$	473
	Weighted average common shares outstanding		500,563		316,911
	Basic earnings per common share	$	0.99	$	1.49
	Total Shares and Warrants		578,160		316,911
	Diluted earnings per common share	$	0.86	$	1.49

INVESTMENT_SECURITIES

INVESTMENT SECURITIES	6 Months Ended
	Jun. 30, 2014
Investments, Debt and Equity Securities [Abstract]	'
Investments in Debt and Marketable Equity Securities (and Certain Trading Assets) Disclosure [Text Block]	'
	NOTE 3 - INVESTMENT SECURITIES
	The amortized cost of securities and their approximate fair values are as follows:
		(Dollars in thousands)
		June 30, 2014
		Amortized		Gross		Gross		Fair
		Cost		Unrealized		Unrealized		Value
				Gains		Losses
	U.S. Treasury securities	$	5,065	$	4	$	-7	$	5,062
	U.S. government federal agencies		13,921		19		-143		13,797
	State and local governments		6,092		283		-1		6,374
	Mortgage backed securities		12,610		58		-135		12,533
	Total	$	37,688	$	364	$	-286	$	37,766
		December 31, 2013
		Amortized		Gross		Gross		Fair
		Cost		Unrealized		Unrealized		Value
				Gains		Losses
	U.S. Treasury securities	$	-	$	-	$	-	$	-
	U.S. government federal agencies		13,937		8		-233		13,712
	State and local governments		7,015		334		-10		7,339
	Mortgage backed securities		13,831		36		-288		13,579
	Total	$	34,783	$	378	$	-531	$	34,630
	The following is a summary of maturities of securities available-for-sale as of June 30, 2014:
		(Dollars in thousands)
		Securities available for sale
		Amortized		Fair
		Cost		Value
	Amounts maturing in:
	One year or less	$	647	$	658
	After one year through five years		21,057		21,167
	After five years through ten years		4,296		4,339
	After ten years		11,688		11,602
	Total	$	37,688	$	37,766
	Expected maturities will differ from contractual maturities because borrowers may have the right to call or prepay obligations without call or prepayment penalties.
	Investment securities with a carrying amount of approximately $32,263,000 and $31,835,000 were pledged to secure deposits as required or permitted by law at June 30, 2014 and December 31, 2013, respectively.
	Information pertaining to securities with gross unrealized losses at June 30, 2014 and December 31, 2013, aggregated by investment category and length of time that individual securities have been in a continuous loss position, follows:
							(Dollars in thousands)
		Less than 12 months					12 months or greater			Total
		Fair		Gross		Fair		Gross		Fair		Gross
		Value		Unrealized		Value		Unrealized		Value		Unrealized
				Losses				Losses				Losses
	30-Jun-14
	U.S. Treasury securities	$	999	$	-7	$	-	$	-	$	999	$	-7
	U.S. government federal agencies		999		-1		8,497		-142		9,496		-143
	State and local governments		578		-1		-		-		578		-1
	Mortgage backed securities		3,275		-34		3,941		-101		7,216		-135
	Total	$	5,851	$	-43	$	12,438	$	-243	$	18,289	$	-286
	31-Dec-13
	U.S. Treasury securities	$	-	$	-	$	-	$	-	$	-	$	-
	U.S. government federal agencies		12,416		-233		-		-		12,416		-233
	State and local governments		570		-10		-		-		570		-10
	Mortgage backed securities		9,791		-288		-		-		9,791		-288
	Total	$	22,777	$	-531	$	-	$	-	$	22,777	$	-531
	The investment portfolio contains unrealized losses of direct obligations of U.S. securities, including mortgage-related instruments issued or backed by the full faith and credit of the United States government or are generally viewed as having the implied guarantee of the U.S. government, and debt obligations of a U.S. state or political subdivision. As management has the ability to hold debt securities until maturity, or the foreseeable future if classified as available-for-sale, no declines are deemed to be other than temporary.
	Management evaluates securities for other than temporary impairment at least on a quarterly basis, and more frequently when economic or market concerns warrant such evaluation. Consideration is given (1) the length of time and the extent to which the fair value has been less than cost, (2) the financial condition and near-term prospects of the issuer, and (3) the intent and ability of the Bank to retain its investment in the issuer for a period of time sufficient to allow for any recovery in fair value.

LOANS_AND_ALLOWANCE_FOR_LOAN_L

LOANS AND ALLOWANCE FOR LOAN LOSSES	6 Months Ended
	Jun. 30, 2014
Receivables [Abstract]	'
Loans, Notes, Trade and Other Receivables Disclosure [Text Block]	'
	NOTE 4 - LOANS AND ALLOWANCE FOR LOAN LOSSES
	The following tables provide information on the activity in the allowance for loan losses by the respective loan portfolio segment for the periods indicated:
			(Dollars in thousands)
			Six Months Ended					Three Months Ended
			June 30,			June 30,		June 30,			June 30,
			2014			2013		2014			2013
	Allowance at beginning of period		$	4,384		$	5,204	$	4,349		$	5,239
	Provision for credit losses			(186	)		191		(186	)		25
	Charge-offs:
	Commercial			408			732		401			726
	Real Estate			38			106		10			57
	Consumer			136			128		72			38
	Total charge-offs		$	582		$	966	$	483		$	821
	Recoveries:
	Commercial			248			275		204			267
	Real Estate			5			2		-			1
	Consumer			31			18		16			13
	Total Recoveries			284			295		220			281
	Ending allowance		$	3,900		$	4,724	$	3,900		$	4,724
	The following tables present the recorded investment with respect to loans and the related allowance by portfolio segment at the dates indicated:
								(Dollars in thousands)
			Collectively Evaluated					Individually Evaluated					Total
			Allowance			Recorded		Allowance			Recorded		Allowance		Recorded
			for loan			investment		for loan			investment		for loan		investment
			losses			in loans		losses			in loans		losses		in loans
	30-Jun-14
	Commercial		$	2,510		$	75,465	$	900		$	10,557	$	3,410	$	86,022
	Real estate			151			36,496		99			738		250		37,234
	Consumer			199			20,222		41			310		240		20,532
	Total		$	2,860		$	132,183	$	1,040		$	11,605	$	3,900	$	143,788
	31-Dec-13
	Commercial		$	2,802		$	81,716	$	1,071		$	9,874	$	3,873	$	91,590
	Real estate			183			33,219		84			778		267		33,997
	Consumer			189			21,183		55			247		244		21,430
	Total		$	3,174		$	136,118	$	1,210		$	10,899	$	4,384	$	147,017
	As part of its monitoring process, the Bank utilizes a risk rating system which quantifies the risk the Bank estimates it has assumed when entering into a loan transaction and during the life of that loan. The system rates the strength of the borrower and the transaction and is designed to provide a program for risk management and early detection of problems. Loans are graded on a scale of 1 through 8, with a grade of 4 or below classified as “Pass” rated credits. Following is a description of the general characteristics of risk grades 5 through 8:
	5 – Special Mention - The weighted overall risk associated with this credit is considered higher than normal (but still acceptable) or the loan possesses deficiencies which corrective action by the Bank would remedy, thereby reducing risk.
	6 – Substandard - The weighted overall risk associated with this credit (based on each of the Bank’s creditworthiness criteria) is considered undesirable, the credit demonstrates a well-defined weakness or the Bank is inadequately protected and there exists the distinct possibility of sustaining some loss if not corrected.
	7 – Doubtful - Weakness makes collection or liquidation in full (based on currently existing facts) improbable.
	8 – Loss- This credit is of little value and not warranted as a bankable asset. Accordingly, the Bank does not carry any loans on the books that are graded 8 – loss, instead these loans are charged off.
	The Bank’s strategy for credit risk management includes ongoing credit examinations and management reviews of loans exhibiting deterioration of credit quality. A deteriorating credit indicates an elevated likelihood of delinquency. When a loan becomes delinquent, its credit grade is reviewed and changed accordingly. Each downgrade to a classified credit results in a higher percentage of reserve to reflect the increased likelihood of loss for similarity graded credits. Further deterioration could result in a certain credit being deemed impaired resulting in a collateral valuation for purposes of establishing a specific reserve which reflects the possible extent of such loss for that credit.
	The following tables present the risk category of loans by class of loans based on the most recent analysis performed at June 30, 2014 and December 31, 2013.
	Commercial Credit Exposure
	Credit risk profile by credit worthiness category
						(Dollars in thousands)
			Commercial					Commercial
			Mortgage					Other
	Category		6/30/14			12/31/13		6/30/14			12/31/13
	Pass		$	58,472		$	58,765	$	10,837		$	11,424
	5			6,762			11,468		1,899			2,480
	6			7,891			6,657		161			722
	7			-			74		-			-
	Total		$	73,125		$	76,964	$	12,897		$	14,626
	Consumer Credit Exposure
	Credit risk by credit worthiness category
			(Dollars in thousands)
			Residential					Consumer					Consumer				Consumer
			Real Estate					Equity					Auto				Other
	Category		6/30/14			12/31/13		6/30/14			12/31/13		6/30/14		12/31/13		6/30/14		12/31/13
	Pass		$	36,084		$	32,201	$	7,185		$	7,351	$	11,389	$	11,908	$	1,704	$	1,738
	5			606			792		82			210		53		62		-		-
	6			544			1,004		89			105		29		53		-		-
	7			-			-		-			-		1		3		-		-
Total		$	37,234		$	33,997	$	7,356		$	7,666	$	11,472	$	12,026	$	1,704	$	1,738
Loans evaluated for impairment include loans classified as troubled debt restructurings and non-performing commercial, mortgage and consumer loans. The following tables set forth certain information regarding the Bank’s impaired loans by class, segregated by those for which a specific allowance was required and those for which a specific allowance was not necessary for the periods indicated:
		(Dollars in thousands)
					Unpaid
		Recorded			Principal		Related
		Investment			Balance		Allowance
30-Jun-14
With no related allowance recorded:
Commercial mortgage		$	7,816		$	8,091	$	-
Commercial other			86			87		-
Residential real estate			121			169		-
Consumer equity			89			92		-
Consumer auto			67			70		-
Subtotal			8,179			8,509		-
With an allowance recorded:
Commercial mortgage		$	2,534		$	2,627	$	779
Commercial other			121			128		121
Residential real estate			617			619		99
Consumer equity			154			154		36
Consumer auto			-			-		5
Subtotal			3,426			3,528		1,040
Total		$	11,605		$	12,037	$	1,040
					Unpaid
		Recorded			Principal		Related
		Investment			Balance		Allowance
31-Dec-13
With no related allowance recorded:
Commercial mortgage		$	6,824		$	7,048	$	-
Commercial other			113			115		-
Residential real estate			558			615		-
Consumer equity			96			97		-
Consumer auto			132			135		-
Subtotal			7,723			8,010		-
With an allowance recorded:
Commercial mortgage			2,352			3,629		624
Commercial other			656			792		447
Residential real estate			452			455		84
Consumer equity			165			166		53
Consumer auto			9			9		2
Subtotal			3,634			5,051		1,210
Total		$	11,357		$	13,061	$	1,210
The following tables present the average recorded investments in impaired loans and the amount of interest income recognized on impaired loans after impairment by class for the periods indicated.
							(Dollars in thousands)
		No Related					With Related
		Allowance Recorded					Allowance Recorded					Total
					Total					Total				Total
		Average			Interest		Average			Interest		Average		Interest
		Recorded			Income		Recorded			Income		Recorded		Income
		Investment			Recognized		Investment			Recognized		Investment		Recognized
Six Month Period
Ended June 30, 2014
Commercial:
Mortgage		$	7,696		$	70	$	2,272		$	-	$	9,968	$	70
Other			200			1		335			-		535		1
Residential real estate			266			2		563			13		829		15
Consumer:
Equity			95			-		158			5		253		5
Auto			112			1		3			-		115		1
Other			-			-		-			-		-		-
Total		$	8,369		$	74	$	3,331		$	18	$	11,700	$	92
Six Month Period
Ended June 30, 2013
Commercial:
Mortgage		$	9,493		$	74	$	2,936		$	-	$	12,429	$	74
Other			198			2		888			-		1,086		2
Residential real estate			284			1		417			9		701		10
Consumer:
Equity			7			-		168			6		175		6
Auto			132			4		-			-		132		4
Other			-			-		-			-		-		-
Total		$	10,114		$	81	$	4,409		$	15	$	14,523	$	96
							(Dollars in thousands)
		No Related					With Related
		Allowance Recorded					Allowance Recorded					Total
					Total					Total				Total
		Average			Interest		Average			Interest		Average		Interest
		Recorded			Income		Recorded			Income		Recorded		Income
		Investment			Recognized		Investment			Recognized		Investment		Recognized
Three Month Period
Ended June 30, 2014
Commercial:
Mortgage		$	8,131		$	35	$	2,232		$	-	$	10,363	$	35
Other			244			1		175			-		419		1
Residential real estate			120			1		618			7		738		8
Consumer:
Equity			95			-		155			2		250		2
Auto			102			-		-			-		102		-
Other			-			-		-			-		-		-
Total		$	8,692		$	37	$	3,180		$	9	$	11,872	$	46
Three Month Period
Ended June 30, 2013
Commercial:
Mortgage		$	9,255		$	40	$	2,911		$	-	$	12,166	$	40
Other			186			1		881			-		1,067		1
Residential real estate			280			1		413			4		693		5
Consumer:
Equity			7			-		167			3		174		3
Auto			118			1		-			-		118		1
Other			-			-		-			-		-		-
Total		$	9,846		$	43	$	4,372		$	7	$	14,218	$	50
The following table summarizes information relative to loan modifications determined to be troubled debt restructurings (TDRs) during the period indicated.
					(Dollars in thousands)
					Pre-Modification		Post-Modification
		Number			Outstanding		Outstanding
		of			Recorded		Recorded
		TDRs			Investment		Investment
Six months ended June 30, 2014
Commercial mortgage			3		$	310	$	310
Residential mortgage			2			187		187
Consumer auto			1			1		1
Unsecured			1			-		-
Total			7		$	498	$	498
Six months ended June 30, 2013
Commercial mortgage			-			-		-
Commercial other			-			-		-
Consumer auto			-			-		-
Unsecured			-			-		-
Total			-		$	-	$	-
					Pre-Modification		Post-Modification
		Number			Outstanding		Outstanding
		of			Recorded		Recorded
		TDRs			Investment		Investment
Three months ended June 30, 2014
Commercial mortgage			-		$	-	$	-
Residential mortgage			-			-		-
Consumer auto			-			-		-
Unsecured			-			-		-
Total			-		$	-	$	-
Three months ended June 30, 2013
Commercial mortgage			-			-		-
Commercial other			-			-		-
Consumer auto			-			-		-
Unsecured			-			-		-
Total			-		$	-	$	-
	-1	– Pre-modification balance is calculated using the loan balance on the day prior to modification as TD.
A modification of a loan constitutes a TDR when a borrower is experiencing financial difficulty and the modification constitutes a concession. The Bank offers various types of concessions when modifying a loan. Loan terms that may be modified due to a borrower’s financial situation include, but are not limited to, a reduction in the stated interest rate, a reduction in the face amount of the debt, a reduction of the accrued interest, temporary interest-only payments, or re-aging, extensions, deferrals, renewals and rewrites. In mitigation, additional collateral, a co-borrower or a guarantor may be requested.
During the six month period ended June 30, 2014 loans were modified by either a reduction in rates or a change in the contractual maturity date of the note. Two loans were modified with reduced interest rates and the contractual maturity date of five loans was extended.
Loans modified in a TDR may already be on nonaccrual status and partial charge-offs may have in some cases been taken against the outstanding loan balance. The allowance for impaired loans that has been modified in a TDR is measured based on the estimated fair value of the collateral, less any selling costs, if the loan is collateral dependent or on the present value of expected future cash flows, discounted at the loan’s original effective interest rate. Management exercises significant judgment in developing these determinations.
There have been two loans totaling $193,000 which were modified as a TDR within the previous twelve months that have subsequently defaulted as of June 30, 2014.
The following table presents the loan portfolio by class summarized by aging categories, at June 30, 2014 and December 31, 2013:
																Recorded
																Investment
		30-59			60-89		>90									>90 Days
		Days			Days		Days			Total				Total		and
		Past Due			Past Due		Past Due			Past Due		Current		Loans		Accruing
30-Jun-14
Commercial:
Mortgage		$	1,915		$	448	$	4,143		$	6,506	$	66,619	$	73,125	$	-
Other			16			20		29			65		12,832		12,897		-
Residential real estate			441			36		173			650		36,584		37,234		-
Consumer:													-
Equity			45			-		16			61		7,295		7,356		-
Auto			46			3		-			49		11,423		11,472		-
Other			20			1		3			24		1,680		1,704		3
Total		$	2,483		$	508	$	4,364		$	7,355	$	136,433	$	143,788	$	3
31-Dec-13
Commercial:
Mortgage		$	1,923		$	203	$	3,153		$	5,279	$	71,685	$	76,964	$	-
Other			140			74		174			388		14,238		14,626		-
Residential real estate			639			156		259			1,054		32,943		33,997		-
Consumer:
Equity			81			16		-			97		7,569		7,666		-
Auto			46			11		-			57		11,969		12,026		-
Other			71			60		-			131		1,607		1,738		-
Total		$	2,900		$	520	$	3,586		$	7,006	$	140,011	$	147,017	$	-
The following summarizes by loan class, the loans on nonaccrual status at June 30, 2014 and December 31, 2013:
		(Dollars in thousands)
		June 30,			December 31,
		2014			2013
Commercial:
Mortgage		$	7,376		$	6,443
Other			161			529
Residential real estate			225			680
Consumer:
Equity			89			105
Auto			13			31
Other			-			-
Total		$	7,864		$	7,788

PENSION_PLAN

PENSION PLAN	6 Months Ended
	Jun. 30, 2014
Compensation and Retirement Disclosure [Abstract]	'
Pension and Other Postretirement Benefits Disclosure [Text Block]	'
	NOTE 5 – PENSION PLAN
	The bank has a qualified noncontributory benefit pension plan which covers certain employees. The benefits are primarily based on years of service and earnings.
	The following table presents the components of the net periodic pension cost of the defined benefit plan.
		(Dollars in thousands)
		Three months ended June 30,				Six months ended June 30,
		2014		2013		2014		2013
	Net periodic pension cost:
	Interest cost on projected benefit obligation	$	13	$	13	$	26	$	26
	Expected return on plan assets		-10		-2		-20		-4
	Settlement loss		-		22		-		44
	Net amortization of deferral of (gains) losses		12		22		24		45
	Net periodic pension cost	$	15	$	55	$	30	$	111
	The company anticipates making contributions to the pension plan totaling $21,300 per quarter during 2014. The contributions are required to meet ERISA’s minimum funding standard and the estimated quarterly contribution requirements.

FAIR_VALUES_OF_FINANCIAL_INSTR

FAIR VALUES OF FINANCIAL INSTRUMENTS	6 Months Ended
	Jun. 30, 2014
Fair Value Disclosures [Abstract]	'
Fair Value Disclosures [Text Block]	'
	NOTE 6 - FAIR VALUES OF FINANCIAL INSTRUMENTS
	Fair Value Measurements and Disclosures of the FASB ASC, requires disclosure of fair value information about financial instruments, whether or not recognized in the balance sheet. In cases where quoted market prices are not available, fair values are based on estimates using present value or other valuation techniques. Those techniques are significantly affected by the assumptions used, including the discount rate and estimates of future cash flows. In that regard, the derived fair value estimates cannot be substantiated by comparison to independent markets and, in many cases, could not be realized in immediate settlement of the instruments. Fair value accounting guidance excluded certain financial instruments and all nonfinancial instruments from its disclosure requirements. Accordingly, the aggregate fair value amounts presented do not represent the underlying value of the Company.
	The following methods and assumptions were used by the Company in estimating its fair value disclosures for financial instruments:
	Cash and cash equivalents: The carrying amounts reported in the balance sheet for cash and cash equivalents approximate those assets' fair values.
	Investment securities: Fair values for investment securities are based on quoted market prices, where available. If quoted market prices are not available, fair values are based on quoted market prices of comparable instruments. Other securities consist mainly of shares of Federal Home Loan Bank stock that do not have readily determinable fair values and are carried at cost.
	Loans: For variable-rate loans that re-price frequently and with no significant change in credit risk, fair values are based on carrying amounts. The fair values for other loans (for example, fixed rate commercial real estate and rental property mortgage loans and commercial and industrial loans) are estimated using discounted cash flow analysis, based on interest rates currently being offered for loans with similar terms to borrowers of similar credit quality. Loan fair value estimates include judgments regarding future expected loss experience and risk characteristics. Fair values for impaired loans are estimated using discounted cash flow analysis or underlying collateral values, where applicable.
	Deposits: The fair values disclosed for demand deposits are, by definition, equal to the amount payable on demand at the reporting date (that is, their carrying amounts). The carrying amounts of variable-rate, fixed-term money-market accounts and certificates of deposit approximate their fair values. Fair values for fixed -rate certificates of deposit are estimated using a discounted cash flow calculation that applies interest rates currently offered on certificates to a schedule of aggregated contractual expected monthly maturities on time deposits.
	Accrued interest: The carrying amounts of accrued interest approximate the fair values.
	Borrowed funds: The carrying amounts of borrowed funds which mature within 90 days approximate their fair values. The fair values of other borrowed funds are estimated using discounted cash flow analysis that applies interest rates currently offered on similar instruments.
	Fair Value Hierarchy
	The Company groups its financial assets and financial liabilities generally measured at fair value in three levels, based on the markets in which the assets and liabilities are traded and the reliability of the assumptions used to determine fair value.
	Level 1 – Valuation is based on quoted prices in active markets for identical assets or liabilities that the reporting entity has the ability to access at the measurement date. Level 1 assets and liabilities generally include debt and equity securities that are traded in an active exchange market. Valuations are obtained from readily available pricing sources for market transactions involving identical assets or liabilities.
	Level 2 – Valuation is based on inputs other than quoted prices included with Level 1 that are observable for the asset or liability, either directly or indirectly. The valuation may be based on quoted prices similar assets or liabilities; quoted prices in markets that are not active; or other inputs that are observable or can be corroborated by observable market data for substantially the full term of the asset or liability.
	Level 3 – Valuation is based on unobservable inputs that are supported by little or no market activity and that are significant to the fair value of the assets or liabilities. Level 3 assets and liabilities include financial instruments whose value is determined using pricing models, discounted cash flow methodologies, or similar techniques, as well as instruments for which determination of fair value requires significant management judgment or estimation.
	A financial instrument’s categorization within the valuation hierarchy is based upon the lowest level of input that is significant to the fair value measurement.
	Assets and liabilities measured at fair value on a recurring basis are summarized below:
		(Dollars in thousands)
		Fair Value Measurements
		Using
		Quoted Prices in		Significant
		Active Markets		Other		Significant
		for Identical		Observable		Unobservable
		Assets/Liabilities		Inputs		Inputs
		(Level 1)		(Level 2)		(Level 3)
	30-Jun-14
	Assets:
	Available for sale securities
	U.S. Treasury securities	$	-	$	5,062	$	-
	U.S. government federal agencies		-		13,797		-
	State & local governments		-		6,374		-
	Mortgage backed securities		-		12,533		-
	31-Dec-13
	Assets:
	Available for sale securities
	U.S. Treasury securities	$	-	$	-	$	-
	U.S. government federal agencies		-		13,712		-
	State & local governments		-		7,339		-
	Mortgage backed securities		-		13,579		-
	Assets and liabilities measured at fair value on a non-recurring basis are summarized below:
		(Dollars in thousands)
		Fair Value Measurements
		Using
		Quoted Prices in		Significant
		Active Markets		Other		Significant
		for Identical		Observable		Unobservable
		Assets/Liabilities		Inputs		Inputs
		(Level 1)		(Level 2)		(Level 3)
	30-Jun-14
	Assets:
	Impaired loans	$	-	$	-	$	10,565
	Other real estate owned		-		-		1,001
	31-Dec-13
	Assets:
	Impaired loans	$	-	$	-	$	10,147
	Other real estate owned		-		-		2,532
	Impaired loans are valued using the present value of expected future cash flows discounted at the loan’s effective interest rate, the loan’s observable market price, or the fair value of the collateral (less estimated selling costs) if the loan is collateral dependent. Appraised and reported values may be discounted based upon management’s historical knowledge, changes in market conditions, or management’s particular knowledge of the business. Impaired loans are subject to nonrecurring fair value adjustments to reflect either partial write-down or full charge-off of the loan carrying value based upon observable market price or current appraised value of the collateral.
	Property acquired by the Company as a result of loan foreclosure is classified as other real estate owned (OREO). This property is recorded at the lower of the unpaid principal balance or the fair value at the date of acquisition and subsequently carried at the lower of cost or net realizable value. Any required write-down of the loan to its net realizable value is charged against the allowance for loan losses. The estimated fair value of OREO properties is determined from market based appraisals and other available market information. Consequently, the valuations of OREO are subject to significant judgment. If the fair value of the collateral deteriorates subsequent to initial valuation, a valuation allowance is recorded through expense.
	The estimated fair values of the Company's financial instruments are as follows:
						Quoted
		(Dollars in thousands)				Prices in
						Active
						Markets		Other		Significant
						for Identical		Observable		Unobservable
	Carrying		Fair		Assets/Liabilities		Inputs		Inputs
	Amount		Value		(Level 1)		(Level 2)		(Level 3)
30-Jun-14
Financial assets:
Cash and cash equivalents	$	19,892	$	19,892	$	-	$	19,892	$	-
Investment securities		37,766		37,766		-		37,766		-
Other investment securities		859		859		-		-		859
Loans, net		139,888		144,407		-		-		144,407
Accrued interest receivable		352		352		-		-		352
Financial liabilities:
Noninterest-bearing deposits	$	22,150	$	22,150	$	-	$	22,150	$	-
Interest-bearing deposits		163,329		165,322		-		165,322		-
Borrowed funds		6,255		6,255		-		6,255		-
Accrued interest payable		1,654		1,654		-		-		1,654
31-Dec-13
Financial assets:
Cash and cash equivalents	$	15,004	$	15,004	$	-	$	15,004	$	-
Investment securities		34,630		34,630		-		34,630		-
Other investment securities		859		859		-		-		859
Loans, net		142,633		147,703		-		-		147,703
Accrued interest receivable		446		446		-		-		446
Financial liabilities:
Noninterest-bearing deposits	$	20,539	$	20,539	$	-	$	20,539	$	-
Interest-bearing deposits		165,032		165,502		-		165,502		-
Borrowed funds		6,363		6,363		-		6,363		-
Accrued interest payable		1,935		1,935		-		-		1,935
The carrying amounts in the preceding table are included in the balance sheet under the applicable captions. No derivatives were held by the Company for trading purposes.

SUMMARY_OF_SIGNIFICANT_ACCOUNT1

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies)	6 Months Ended
	Jun. 30, 2014
Accounting Policies [Abstract]	'
Nature of Operations [Text Block]	'
	Nature of Operations
	Citizens Independent Bancorp, Inc. (the Bancorp), a bank holding company for The Citizens Bank of Logan (the Bank), collectively referred to as the “Company” is engaged in the business of commercial and retail banking services with operations conducted through offices in Hocking, Athens and Fairfield counties. These communities and surrounding areas are the source of substantially all the Company's deposit and loan activities. Secured loans are secured by business assets, consumer assets, residential real estate and non-residential real estate. The majority of Company income is derived from commercial, real estate and retail lending activities and investments. Other financial instruments which potentially represent concentrations of credit risk include deposit accounts in other financial institutions and federal funds sold.
Basis of Accounting, Policy [Policy Text Block]	'
	Basis of Financial Statement Presentation
	These consolidated financial statements have been prepared in accordance with generally accepted accounting principles for interim financial information and with instructions to Form 10-Q and Article 8 of Regulation S-X.  Accordingly, they do not include all the information and footnotes required by generally accepted accounting principles (GAAP) for annual year-end financial statements. In the opinion of management, all adjustments considered necessary for a fair presentation, have been included and are of a normal, recurring nature. The balance sheet as of December 31, 2013 has been derived from the audited financial statements at that date, but does not include all of the information and footnotes required by generally accepted accounting principles.  Operating results for the three and six month periods ended June 30, 2014 are not necessarily indicative of the results that may be expected for the year ending December 31, 2014.
	The accounting and reporting policies of the Bancorp and the Bank conform to accounting principles generally accepted in the United States of America and to general practices followed within the banking industry.
	The consolidated balance sheet as of December 31, 2013 has been extracted from audited financial statements included in the Company’s 2013 filing on Form 10-K. Certain information and footnote disclosures normally included in financial statements prepared in accordance with accounting principles generally accepted in the United States have been omitted. These financial statements should be read in conjunction with the financial statements and notes thereto included in the Company’s December 31, 2013 Form 10-K.
	Information is presented in these notes with dollars expressed in thousands, unless otherwise noted or specified.
Consolidation, Policy [Policy Text Block]	'
	Principles of Consolidation
	The consolidated financial statements include the accounts of Citizens Independent Bancorp, Inc. and its wholly-owned subsidiary, The Citizens Bank of Logan. The financial statements of the Bank include the accounts of its wholly-owned subsidiaries, Countywide Mortgage Company and Countywide Loan Company. Citizens Travel Center was closed in third quarter, 2013. The balance sheet and statement of income for the Citizens Travel Center were immaterial to the 2013 consolidated financial statements. All significant intercompany transactions and balances have been eliminated.
New Accounting Pronouncements, Policy [Policy Text Block]	'
	Recent Accounting Pronouncements
	In July 2013, the FASB issued ASU 2013-11, Income Taxes (Topic 740): Presentation of an Unrecognized Tax Benefit When a Net Operating Loss Carryforward, a Similar Tax Loss, or a Tax Credit Carryforward Exists. This Update applies to all entities that have unrecognized tax benefits when a net operating loss carryforward, a similar tax loss, or a tax credit carryforward exists at the reporting date. An unrecognized tax benefit, or a portion of an unrecognized tax benefit, should be presented in the financial statements as a reduction to a deferred tax asset for a net operating loss carryforward, a similar tax loss, or a tax credit carryforward, except as follows. To the extent a net operating loss carryforward, a similar tax loss, or a tax credit carryforward is not available at the reporting date under the tax law of the applicable jurisdiction to settle any additional income taxes that would result from the disallowance of a tax position or the tax law of the applicable jurisdiction does not require the entity to use, and the entity does not intend to use, the deferred tax asset for such purpose, the unrecognized tax benefit should be presented in the financial statements as a liability and should not be combined with deferred tax assets. The assessment of whether a deferred tax asset is available is based on the unrecognized tax benefit and deferred tax asset that exist at the reporting date and should be made presuming disallowance of the tax position at the reporting date. The amendments in this Update are effective for fiscal years, and interim periods within those years, beginning after December 15, 2013. The adoption of this pronouncement did not have a material effect on the consolidated financial statements.
	Stock Offering
	On October 25, 2013, we commenced an offering for the sale of up to 369,754 of our common shares, without par value, at a subscription price of $15.39 per share (up to $5,690,514), which subscription price was intended to be equal to 90% of the book value per share of the Company on September 30, 2013. In addition, for each two shares purchased by a shareholder in the stock offering, the Company issued to the shareholder, for no additional consideration, a warrant entitling the shareholder to purchase, upon exercise of the warrant, one additional common share. The exercise price of each warrant share will be equal to 90% of the book value of a common share as reflected on the books of the Company on the last day of the month prior to the warrant exercise date. The offering had two components, a rights offering, which expired on January 31, 2014, followed by a public offering that terminated June 25, 2014.
	On February 1, 2014, following the expiration of the rights offering, the Company commenced the public offering of the common shares (and warrants) that were not subscribed for in the rights offering. The subscription price of the common shares, and the warrant terms, offered in the public offering were the same as those offered to the Company’s shareholders in the rights offering.
	During the 2013 year-end accounting process, we discovered an accounting error in the reconciliation of the ATM settlement account that relates to 2012. Essentially a programming error resulted in under-collection of ATM fees due to the Bank. As a result of this program error, net income for 2012 was overstated by $344,000. To correct the error and as reported by the Company in a Form 8-K filed with the Securities and Exchange Commission on March 11, 2014, the Company restated its books for 2012, increasing the net loss previously reported by $344,000. This increased net loss for 2012 caused a reduction in the per share book value of the Company as of September 30, 2013 from $17.10 to $16.10.
	Because the subscription price of the common shares in the offering was based upon an incorrect per share book value as of September 30, 2013, the Board of Directors amended the offering terms to sell the common shares at $14.49 per share. Those shareholders who had purchased stock at the initial price of $15.39 per share were offered the option of rescission or were refunded the difference of $0.90 per share between the original offered price and the adjusted price of $14.49 per share. A total of 63 shares were rescinded. The Company sold a total of 238,057 shares at a price of $14.49 per share in the stock offering. Net proceeds of the offering were reduced by $231 thousand of direct stock offering costs. The Company invested $2.1 million in The Citizens Bank of Logan. Remaining funds of $1.1 million were retained in the holding company for debt service and general purposes.
	Common Stock Warrants
	In June, 2014, the Company issued warrants to purchase 119,028 shares of common stock in connection with the issuance of common stock in the stock offering. These warrants are valid for a period of two years and expire June 26, 2016. Allocated value of these common stock warrants is $188 thousand based on the Black Scholes methodology.

EARNINGS_PER_COMMON_SHARE_Tabl

EARNINGS PER COMMON SHARE (Tables)	6 Months Ended
	Jun. 30, 2014
Earnings Per Share [Abstract]	'
Schedule of Earnings Per Share, Basic and Diluted [Table Text Block]	'
	The factors used in the earnings per share computation for the three and six month periods ended June 30, 2014 and 2013 follow:
		(Dollars in thousands, except
		per share data)
		Three Months Ended
		June 30,
		2014		2013
	Net income	$	196	$	346
	Weighted average common shares outstanding		560,485		317,025
	Basic earnings per common share	$	0.35	$	1.09
	Total Shares and Warrants		668,043		317,025
	Diluted earnings per common share	$	0.29	$	1.09
		Six Months Ended
		June 30,
		2014		2013
	Net income	$	497	$	473
	Weighted average common shares outstanding		500,563		316,911
	Basic earnings per common share	$	0.99	$	1.49
	Total Shares and Warrants		578,160		316,911
	Diluted earnings per common share	$	0.86	$	1.49

INVESTMENT_SECURITIES_Tables

INVESTMENT SECURITIES (Tables)	6 Months Ended
	Jun. 30, 2014
Investments, Debt and Equity Securities [Abstract]	'
Available-for-sale Securities [Table Text Block]	'
	The amortized cost of securities and their approximate fair values are as follows:
		(Dollars in thousands)
		June 30, 2014
		Amortized		Gross		Gross		Fair
		Cost		Unrealized		Unrealized		Value
				Gains		Losses
	U.S. Treasury securities	$	5,065	$	4	$	-7	$	5,062
	U.S. government federal agencies		13,921		19		-143		13,797
	State and local governments		6,092		283		-1		6,374
	Mortgage backed securities		12,610		58		-135		12,533
	Total	$	37,688	$	364	$	-286	$	37,766
		December 31, 2013
		Amortized		Gross		Gross		Fair
		Cost		Unrealized		Unrealized		Value
				Gains		Losses
	U.S. Treasury securities	$	-	$	-	$	-	$	-
	U.S. government federal agencies		13,937		8		-233		13,712
	State and local governments		7,015		334		-10		7,339
	Mortgage backed securities		13,831		36		-288		13,579
	Total	$	34,783	$	378	$	-531	$	34,630
Investments Classified by Contractual Maturity Date [Table Text Block]	'
	The following is a summary of maturities of securities available-for-sale as of June 30, 2014:
		(Dollars in thousands)
		Securities available for sale
		Amortized		Fair
		Cost		Value
	Amounts maturing in:
	One year or less	$	647	$	658
	After one year through five years		21,057		21,167
	After five years through ten years		4,296		4,339
	After ten years		11,688		11,602
	Total	$	37,688	$	37,766
Schedule of Unrealized Loss on Investments [Table Text Block]	'
	Information pertaining to securities with gross unrealized losses at June 30, 2014 and December 31, 2013, aggregated by investment category and length of time that individual securities have been in a continuous loss position, follows:
							(Dollars in thousands)
		Less than 12 months					12 months or greater			Total
		Fair		Gross		Fair		Gross		Fair		Gross
		Value		Unrealized		Value		Unrealized		Value		Unrealized
				Losses				Losses				Losses
	30-Jun-14
	U.S. Treasury securities	$	999	$	-7	$	-	$	-	$	999	$	-7
	U.S. government federal agencies		999		-1		8,497		-142		9,496		-143
	State and local governments		578		-1		-		-		578		-1
	Mortgage backed securities		3,275		-34		3,941		-101		7,216		-135
	Total	$	5,851	$	-43	$	12,438	$	-243	$	18,289	$	-286
	31-Dec-13
	U.S. Treasury securities	$	-	$	-	$	-	$	-	$	-	$	-
	U.S. government federal agencies		12,416		-233		-		-		12,416		-233
	State and local governments		570		-10		-		-		570		-10
	Mortgage backed securities		9,791		-288		-		-		9,791		-288
	Total	$	22,777	$	-531	$	-	$	-	$	22,777	$	-531

LOANS_AND_ALLOWANCE_FOR_LOAN_L1

LOANS AND ALLOWANCE FOR LOAN LOSSES (Tables)	6 Months Ended
	Jun. 30, 2014
Receivables [Abstract]	'
Allowance for Credit Losses on Financing Receivables [Table Text Block]	'
	The following tables provide information on the activity in the allowance for loan losses by the respective loan portfolio segment for the  periods indicated:
			(Dollars in thousands)
			Six Months Ended				Three Months Ended
			June 30,		June 30,		June 30,		June 30,
			2014		2013		2014		2013
	Allowance at beginning of period		$	4,384	$	5,204	$	4,349	$	5,239
	Provision for credit losses			-186		191		-186		25
	Charge-offs:
	Commercial			408		732		401		726
	Real Estate			38		106		10		57
	Consumer			136		128		72		38
	Total charge-offs		$	582	$	966	$	483	$	821
	Recoveries:
	Commercial			248		275		204		267
	Real Estate			5		2		-		1
	Consumer			31		18		16		13
	Total Recoveries			284		295		220		281
	Ending allowance		$	3,900	$	4,724	$	3,900	$	4,724
Impaired Financing Receivables [Table Text Block]	'
	The following tables present the recorded investment with respect to loans and the related allowance by portfolio segment at the dates indicated:
			(Dollars in thousands)
			Collectively Evaluated				Individually Evaluated				Total
			Allowance		Recorded		Allowance		Recorded		Allowance		Recorded
			for loan		investment		for loan		investment		for loan		investment
			losses		in loans		losses		in loans		losses		in loans
	30-Jun-14
	Commercial		$	2,510	$	75,465	$	900	$	10,557	$	3,410	$	86,022
	Real estate			151		36,496		99		738		250		37,234
	Consumer			199		20,222		41		310		240		20,532
	Total		$	2,860	$	132,183	$	1,040	$	11,605	$	3,900	$	143,788
	31-Dec-13
	Commercial		$	2,802	$	81,716	$	1,071	$	9,874	$	3,873	$	91,590
	Real estate			183		33,219		84		778		267		33,997
	Consumer			189		21,183		55		247		244		21,430
	Total		$	3,174	$	136,118	$	1,210	$	10,899	$	4,384	$	147,017
Financing Receivable Credit Quality Indicators [Table Text Block]	'
	The following tables present the risk category of loans by class of loans based on the most recent analysis performed at June 30, 2014 and December 31, 2013.
	Commercial Credit Exposure
	Credit risk profile by credit worthiness category
			(Dollars in thousands)
			Commercial				Commercial
			Mortgage				Other
	Category		6/30/14		12/31/13		6/30/14		12/31/13
	Pass		$	58,472	$	58,765	$	10,837	$	11,424
	5			6,762		11,468		1,899		2,480
	6			7,891		6,657		161		722
	7			-		74		-		-
	Total		$	73,125	$	76,964	$	12,897	$	14,626
	Consumer Credit Exposure
	Credit risk by credit worthiness category
							(Dollars in thousands)
			Residential				Consumer				Consumer				Consumer
			Real Estate				Equity				Auto				Other
	Category		6/30/14		12/31/13		6/30/14		12/31/13		6/30/14		12/31/13		6/30/14		12/31/13
	Pass		$	36,084	$	32,201	$	7,185	$	7,351	$	11,389	$	11,908	$	1,704	$	1,738
	5			606		792		82		210		53		62		-		-
	6			544		1,004		89		105		29		53		-		-
	7			-		-		-		-		1		3		-		-
	Total		$	37,234	$	33,997	$	7,356	$	7,666	$	11,472	$	12,026	$	1,704	$	1,738
Impaired Financing Receivables Segregated By With And Without Allowance Recorded [Table Text Block]	'
	The following tables set forth certain information regarding the Bank’s impaired loans by class, segregated by those for which a specific allowance was required and those for which a specific allowance was not necessary for the periods indicated:
			(Dollars in thousands)
					Unpaid
			Recorded		Principal		Related
			Investment		Balance		Allowance
	30-Jun-14
	With no related allowance recorded:
	Commercial mortgage		$	7,816	$	8,091	$	-
	Commercial other			86		87		-
	Residential real estate			121		169		-
	Consumer equity			89		92		-
	Consumer auto			67		70		-
	Subtotal			8,179		8,509		-
	With an allowance recorded:
	Commercial mortgage		$	2,534	$	2,627	$	779
	Commercial other			121		128		121
	Residential real estate			617		619		99
	Consumer equity			154		154		36
	Consumer auto			-		-		5
	Subtotal			3,426		3,528		1,040
	Total		$	11,605	$	12,037	$	1,040
					Unpaid
			Recorded		Principal		Related
			Investment		Balance		Allowance
	31-Dec-13
	With no related allowance recorded:
	Commercial mortgage		$	6,824	$	7,048	$	-
	Commercial other			113		115		-
	Residential real estate			558		615		-
	Consumer equity			96		97		-
	Consumer auto			132		135		-
	Subtotal			7,723		8,010		-
	With an allowance recorded:
	Commercial mortgage			2,352		3,629		624
	Commercial other			656		792		447
	Residential real estate			452		455		84
	Consumer equity			165		166		53
	Consumer auto			9		9		2
	Subtotal			3,634		5,051		1,210
	Total		$	11,357	$	13,061	$	1,210
Impaired Financing Receivables Segregated By Portfolio Segment And Class [Table Text Block]	'
	The following tables present the average recorded investments in impaired loans and the amount of interest income recognized on impaired loans after impairment by class for the periods indicated.
			(Dollars in thousands)
			No Related				With Related
			Allowance Recorded				Allowance Recorded				Total
					Total				Total				Total
			Average		Interest		Average		Interest		Average		Interest
			Recorded		Income		Recorded		Income		Recorded		Income
			Investment		Recognized		Investment		Recognized		Investment		Recognized
	Six Month Period
	Ended June 30, 2014
	Commercial:
	Mortgage		$	7,696	$	70	$	2,272	$	-	$	9,968	$	70
	Other			200		1		335		-		535		1
	Residential real estate			266		2		563		13		829		15
	Consumer:
	Equity			95		-		158		5		253		5
	Auto			112		1		3		-		115		1
	Other			-		-		-		-		-		-
	Total		$	8,369	$	74	$	3,331	$	18	$	11,700	$	92
	Six Month Period
	Ended June 30, 2013
	Commercial:
	Mortgage		$	9,493	$	74	$	2,936	$	-	$	12,429	$	74
	Other			198		2		888		-		1,086		2
	Residential real estate			284		1		417		9		701		10
	Consumer:
	Equity			7		-		168		6		175		6
	Auto			132		4		-		-		132		4
	Other			-		-		-		-		-		-
	Total		$	10,114	$	81	$	4,409	$	15	$	14,523	$	96
			(Dollars in thousands)
			No Related				With Related
			Allowance Recorded				Allowance Recorded				Total
					Total				Total				Total
			Average		Interest		Average		Interest		Average		Interest
			Recorded		Income		Recorded		Income		Recorded		Income
			Investment		Recognized		Investment		Recognized		Investment		Recognized
	Three Month Period
	Ended June 30, 2014
	Commercial:
	Mortgage		$	8,131	$	35	$	2,232	$	-	$	10,363	$	35
	Other			244		1		175		-		419		1
	Residential real estate			120		1		618		7		738		8
	Consumer:
	Equity			95		-		155		2		250		2
	Auto			102		-		-		-		102		-
	Other			-		-		-		-		-		-
	Total		$	8,692	$	37	$	3,180	$	9	$	11,872	$	46
	Three Month Period
	Ended June 30, 2013
	Commercial:
	Mortgage		$	9,255	$	40	$	2,911	$	-	$	12,166	$	40
	Other			186		1		881		-		1,067		1
	Residential real estate			280		1		413		4		693		5
	Consumer:
	Equity			7		-		167		3		174		3
	Auto			118		1		-		-		118		1
	Other			-		-		-		-		-		-
	Total		$	9,846	$	43	$	4,372	$	7	$	14,218	$	50
Troubled Debt Restructurings on Financing Receivables [Table Text Block]	'
	The following table summarizes information relative to loan modifications determined to be troubled debt restructurings (TDRs) during the period indicated.
					(Dollars in thousands)
					Pre-Modification		Post-Modification
		Number			Outstanding		Outstanding
		of			Recorded		Recorded
		TDRs			Investment		Investment
	Six months ended June 30, 2014
	Commercial mortgage			3	$	310	$	310
	Residential mortgage			2		187		187
	Consumer auto			1		1		1
	Unsecured			1		-		-
	Total			7	$	498	$	498
	Six months ended June 30, 2013
	Commercial mortgage			-		-		-
	Commercial other			-		-		-
	Consumer auto			-		-		-
	Unsecured			-		-		-
	Total			-	$	-	$	-
					Pre-Modification		Post-Modification
		Number			Outstanding		Outstanding
		of			Recorded		Recorded
		TDRs			Investment		Investment
	Three months ended June 30, 2014
	Commercial mortgage			-	$	-	$	-
	Residential mortgage			-		-		-
	Consumer auto			-		-		-
	Unsecured			-		-		-
	Total			-	$	-	$	-
	Three months ended June 30, 2013
	Commercial mortgage			-		-		-
	Commercial other			-		-		-
	Consumer auto			-		-		-
	Unsecured			-		-		-
	Total			-	$	-	$	-
		-1	– Pre-modification balance is calculated using the loan balance on the day prior to modification as TDR.
Past Due Financing Receivables [Table Text Block]	'
	The following table presents the loan portfolio by class summarized by aging categories, at June 30, 2014 and December 31, 2013:
															Recorded
															Investment
			30-59		60-89		>90								>90 Days
			Days		Days		Days		Total				Total		and
			Past Due		Past Due		Past Due		Past Due		Current		Loans		Accruing
	30-Jun-14
	Commercial:
	Mortgage		$	1,915	$	448	$	4,143	$	6,506	$	66,619	$	73,125	$	-
	Other			16		20		29		65		12,832		12,897		-
	Residential real estate			441		36		173		650		36,584		37,234		-
	Consumer:											-
	Equity			45		-		16		61		7,295		7,356		-
	Auto			46		3		-		49		11,423		11,472		-
	Other			20		1		3		24		1,680		1,704		3
	Total		$	2,483	$	508	$	4,364	$	7,355	$	136,433	$	143,788	$	3
	31-Dec-13
	Commercial:
	Mortgage		$	1,923	$	203	$	3,153	$	5,279	$	71,685	$	76,964	$	-
	Other			140		74		174		388		14,238		14,626		-
	Residential real estate			639		156		259		1,054		32,943		33,997		-
	Consumer:
	Equity			81		16		-		97		7,569		7,666		-
	Auto			46		11		-		57		11,969		12,026		-
	Other			71		60		-		131		1,607		1,738		-
	Total		$	2,900	$	520	$	3,586	$	7,006	$	140,011	$	147,017	$	-
Schedule of Financing Receivables, Non Accrual Status [Table Text Block]	'
	The following summarizes by loan class, the loans on nonaccrual status at June 30, 2014 and December 31, 2013:
			(Dollars in thousands)
			June 30,		December 31,
			2014		2013
	Commercial:
	Mortgage		$	7,376	$	6,443
	Other			161		529
	Residential real estate			225		680
	Consumer:
	Equity			89		105
	Auto			13		31
	Other			-		-
	Total		$	7,864	$	7,788

PENSION_PLAN_Tables

PENSION PLAN (Tables)	6 Months Ended
	Jun. 30, 2014
Compensation and Retirement Disclosure [Abstract]	'
Schedule Of Defined Benefit Plan Net Periodic Benefit Cost [Table Text Block]	'
	The following table presents the components of the net periodic pension cost of the defined benefit plan.
		(Dollars in thousands)
		Three months ended June 30,				Six months ended June 30,
		2014		2013		2014		2013
	Net periodic pension cost:
	Interest cost on projected benefit obligation	$	13	$	13	$	26	$	26
	Expected return on plan assets		-10		-2		-20		-4
	Settlement loss		-		22		-		44
	Net amortization of deferral of (gains) losses		12		22		24		45
	Net periodic pension cost	$	15	$	55	$	30	$	111

FAIR_VALUES_OF_FINANCIAL_INSTR1

FAIR VALUES OF FINANCIAL INSTRUMENTS (Tables)	6 Months Ended
	Jun. 30, 2014
Fair Value Disclosures [Abstract]	'
Schedule of Fair Value, Assets and Liabilities Measured on Recurring Basis [Table Text Block]	'
	Assets and liabilities measured at fair value on a recurring basis are summarized below:
		(Dollars in thousands)
		Fair Value Measurements
		Using
		Quoted Prices in		Significant
		Active Markets		Other		Significant
		for Identical		Observable		Unobservable
		Assets/Liabilities		Inputs		Inputs
		(Level 1)		(Level 2)		(Level 3)
	30-Jun-14
	Assets:
	Available for sale securities
	U.S. Treasury securities	$	-	$	5,062	$	-
	U.S. government federal agencies		-		13,797		-
	State & local governments		-		6,374		-
	Mortgage backed securities		-		12,533		-
	31-Dec-13
	Assets:
	Available for sale securities
	U.S. Treasury securities	$	-	$	-	$	-
	U.S. government federal agencies		-		13,712		-
	State & local governments		-		7,339		-
	Mortgage backed securities		-		13,579		-
Fair Value Measurements, Nonrecurring [Table Text Block]	'
	Assets and liabilities measured at fair value on a non-recurring basis are summarized below:
		(Dollars in thousands)
		Fair Value Measurements
		Using
		Quoted Prices in		Significant
		Active Markets		Other		Significant
		for Identical		Observable		Unobservable
		Assets/Liabilities		Inputs		Inputs
		(Level 1)		(Level 2)		(Level 3)
	30-Jun-14
	Assets:
	Impaired loans	$	-	$	-	$	10,565
	Other real estate owned		-		-		1,001
	31-Dec-13
	Assets:
	Impaired loans	$	-	$	-	$	10,147
	Other real estate owned		-		-		2,532
Fair Value, by Balance Sheet Grouping [Table Text Block]	'
	The estimated fair values of the Company's financial instruments are as follows:
						Quoted
		(Dollars in thousands)				Prices in
						Active
						Markets		Other		Significant
						for Identical		Observable		Unobservable
		Carrying		Fair		Assets/Liabilities		Inputs		Inputs
		Amount		Value		(Level 1)		(Level 2)		(Level 3)
	30-Jun-14
	Financial assets:
	Cash and cash equivalents	$	19,892	$	19,892	$	-	$	19,892	$	-
	Investment securities		37,766		37,766		-		37,766		-
	Other investment securities		859		859		-		-		859
	Loans, net		139,888		144,407		-		-		144,407
	Accrued interest receivable		352		352		-		-		352
	Financial liabilities:
	Noninterest-bearing deposits	$	22,150	$	22,150	$	-	$	22,150	$	-
	Interest-bearing deposits		163,329		165,322		-		165,322		-
	Borrowed funds		6,255		6,255		-		6,255		-
	Accrued interest payable		1,654		1,654		-		-		1,654
	31-Dec-13
	Financial assets:
	Cash and cash equivalents	$	15,004	$	15,004	$	-	$	15,004	$	-
	Investment securities		34,630		34,630		-		34,630		-
	Other investment securities		859		859		-		-		859
	Loans, net		142,633		147,703		-		-		147,703
	Accrued interest receivable		446		446		-		-		446
	Financial liabilities:
	Noninterest-bearing deposits	$	20,539	$	20,539	$	-	$	20,539	$	-
	Interest-bearing deposits		165,032		165,502		-		165,502		-
	Borrowed funds		6,363		6,363		-		6,363		-
	Accrued interest payable		1,935		1,935		-		-		1,935

SUMMARY_OF_SIGNIFICANT_ACCOUNT2

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Details Textual) (USD $)	1 Months Ended	6 Months Ended	1 Months Ended	6 Months Ended	9 Months Ended	12 Months Ended
	Jun. 30, 2014	Jun. 30, 2014	Oct. 25, 2013	Jun. 30, 2014	Sep. 30, 2013	Dec. 31, 2012	Oct. 25, 2013
	Warrant [Member]	Warrant [Member]	Stock Offering [Member]	Stock Offering [Member]	Stock Offering [Member]	Stock Offering [Member]	Stock Offering [Member]
							Maximum [Member]
Summary Of Significant Accounting Policies [Line Items]	'	'	'	'	'	'	'
Stock Issued During Period, Shares, New Issues	'	119,028	'	238,057	'	'	'
Sale of Stock, Price Per Share	'	'	$15.39	$14.49	'	'	'
Share Issue, Initial Price Per Share	'	'	'	$15.39	'	'	'
Share Issue, Differential Price Per Share	'	'	'	$0.90	'	'	'
Share-based Compensation Arrangement by Share-based Payment Award, Options, Forfeitures in Period	'	'	'	63	'	'	'
Payments of Stock Issuance Costs	'	'	'	$231,000	'	'	'
Investments in and Advance to Affiliates, Subsidiaries, Associates, and Joint Ventures	'	'	'	2,100,000	'	'	'
Amount Held for Debt Service and General Purposes	'	'	'	1,100,000	'	'	'
Warrants to Purchase Common Stock	119,028	119,028	'	'	'	'	'
Warrants Expiry Term	'2 years	'	'	'	'	'	'
Warrants Expiry Date	26-Jun-16	'	'	'	'	'	'
Stock and Warrants Issued During Period, Value, Preferred Stock and Warrants	188,000	'	'	'	'	'	'
Commencement of Sale of Stock, Shares	'	'	'	'	'	'	369,754
Commencement of Sale of Stock, Value	'	'	'	'	'	'	5,690,514
Warrant Exercise Price, Description	'	'	'90% of the book value of a common share	'	'	'	'
Overstatement of Net Income (Loss)	'	'	'	'	'	344,000	'
Increase In Net Loss	'	'	'	'	'	$344,000	'
Income (Loss) from Continuing Operations, Per Basic and Diluted Share	'	'	'	'	$16.10	$17.10	'
Common Stock, No Par Value	'	'	$0	'	'	'	'

EARNINGS_PER_COMMON_SHARE_Deta

EARNINGS PER COMMON SHARE (Details) (USD $)	3 Months Ended		6 Months Ended
In Thousands, except Per Share data, unless otherwise specified	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013
Earnings Per Share, Diluted, by Common Class, Including Two Class Method [Line Items]	'	'	'	'
Net income	$196	$346	$497	$473
Weighted average common shares outstanding (in shares)	560,485	317,025	500,563	316,911
Basic earnings per common share (in dollars per share)	$0.35	$1.09	$0.99	$1.49
Total Shares and Warrants (in shares)	668,043	317,025	578,160	316,911
Diluted earnings per common share (in dollars per share)	$0.29	$1.09	$0.86	$1.49

INVESTMENT_SECURITIES_Details

INVESTMENT SECURITIES (Details) (USD $)	6 Months Ended	12 Months Ended
In Thousands, unless otherwise specified	Jun. 30, 2014	Dec. 31, 2013
Schedule of Available-for-sale Securities [Line Items]	'	'
Available-for-sale, Amortized Cost	$37,688	$34,783
Available-for-sale, Gross Unrealized Gains	364	378
Available-for-sale, Gross Unrealized Losses	-286	-531
Available-for-sale, Fair Value	37,766	34,630
U.S. Treasury securities [Member]	'	'
Schedule of Available-for-sale Securities [Line Items]	'	'
Available-for-sale, Amortized Cost	5,065	0
Available-for-sale, Gross Unrealized Gains	4	0
Available-for-sale, Gross Unrealized Losses	-7	0
Available-for-sale, Fair Value	5,062	0
U.S. government federal agencies[Member]	'	'
Schedule of Available-for-sale Securities [Line Items]	'	'
Available-for-sale, Amortized Cost	13,921	13,937
Available-for-sale, Gross Unrealized Gains	19	8
Available-for-sale, Gross Unrealized Losses	-143	-233
Available-for-sale, Fair Value	13,797	13,712
State and local governments [Member]	'	'
Schedule of Available-for-sale Securities [Line Items]	'	'
Available-for-sale, Amortized Cost	6,092	7,015
Available-for-sale, Gross Unrealized Gains	283	334
Available-for-sale, Gross Unrealized Losses	-1	-10
Available-for-sale, Fair Value	6,374	7,339
Mortgage backed securities [Member]	'	'
Schedule of Available-for-sale Securities [Line Items]	'	'
Available-for-sale, Amortized Cost	12,610	13,831
Available-for-sale, Gross Unrealized Gains	58	36
Available-for-sale, Gross Unrealized Losses	-135	-288
Available-for-sale, Fair Value	$12,533	$13,579

INVESTMENT_SECURITIES_Details_

INVESTMENT SECURITIES (Details 1) (USD $)	Jun. 30, 2014
In Thousands, unless otherwise specified
Securities available-for-sale, Amortized Cost, Amounts maturing in:	'
One year or less	$647
After one year through five years	21,057
After five years through ten years	4,296
After ten years	11,688
Total	37,688
Securities available-for-sale, Fair Value, Amounts maturing in:	'
One year or less	658
After one year through five years	21,167
After five years through ten years	4,339
After ten years	11,602
Total	$37,766

INVESTMENT_SECURITIES_Details_1

INVESTMENT SECURITIES (Details 2) (USD $)	6 Months Ended	12 Months Ended
In Thousands, unless otherwise specified	Jun. 30, 2014	Dec. 31, 2013
Schedule of Available-for-sale Securities [Line Items]	'	'
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 months Fair value	$5,851	$22,777
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 months Gross unrealized losses	-43	-531
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 months or greater Fair value	12,438	0
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 months or greater Gross unrealized Losses	-243	0
Available-for-sale Securities, Continuous Unrealized Loss Position, Total Fair Value	18,289	22,777
Available-for-sale Securities, Continuous Unrealized Loss Position, Total Gross unrealized losses	-286	-531
U.S. Treasury securities [Member]	'	'
Schedule of Available-for-sale Securities [Line Items]	'	'
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 months Fair value	999	0
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 months Gross unrealized losses	-7	0
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 months or greater Fair value	0	0
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 months or greater Gross unrealized Losses	0	0
Available-for-sale Securities, Continuous Unrealized Loss Position, Total Fair Value	999	0
Available-for-sale Securities, Continuous Unrealized Loss Position, Total Gross unrealized losses	-7	0
U.S. government federal agencies[Member]	'	'
Schedule of Available-for-sale Securities [Line Items]	'	'
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 months Fair value	999	12,416
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 months Gross unrealized losses	-1	-233
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 months or greater Fair value	8,497	0
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 months or greater Gross unrealized Losses	-142	0
Available-for-sale Securities, Continuous Unrealized Loss Position, Total Fair Value	9,496	12,416
Available-for-sale Securities, Continuous Unrealized Loss Position, Total Gross unrealized losses	-143	-233
State and local governments [Member]	'	'
Schedule of Available-for-sale Securities [Line Items]	'	'
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 months Fair value	578	570
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 months Gross unrealized losses	-1	-10
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 months or greater Fair value	0	0
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 months or greater Gross unrealized Losses	0	0
Available-for-sale Securities, Continuous Unrealized Loss Position, Total Fair Value	578	570
Available-for-sale Securities, Continuous Unrealized Loss Position, Total Gross unrealized losses	-1	-10
Mortgage backed securities [Member]	'	'
Schedule of Available-for-sale Securities [Line Items]	'	'
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 months Fair value	3,275	9,791
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 months Gross unrealized losses	-34	-288
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 months or greater Fair value	3,941	0
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 months or greater Gross unrealized Losses	-101	0
Available-for-sale Securities, Continuous Unrealized Loss Position, Total Fair Value	7,216	9,791
Available-for-sale Securities, Continuous Unrealized Loss Position, Total Gross unrealized losses	($135)	($288)

INVESTMENT_SECURITIES_Details_2

INVESTMENT SECURITIES (Details Textual) (USD $)	Jun. 30, 2014	Dec. 31, 2013
Schedule of Available-for-sale Securities [Line Items]	'	'
Available-for-sale Securities Pledged as Collateral	$32,263,000	$31,835,000

LOANS_AND_ALLOWANCE_FOR_LOAN_L2

LOANS AND ALLOWANCE FOR LOAN LOSSES (Details) (USD $)	3 Months Ended		6 Months Ended
In Thousands, unless otherwise specified	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013
Loans And Allowance For Loan Losses [Line Items]	'	'	'	'
Allowance at beginning of period	$4,349	$5,239	$4,384	$5,204
Provision for credit losses	-186	25	-186	191
Total charge-offs	483	821	582	966
Total Recoveries	220	281	284	295
Allowance at End of period	3,900	4,724	3,900	4,724
Commercial [Member]	'	'	'	'
Loans And Allowance For Loan Losses [Line Items]	'	'	'	'
Allowance at beginning of period	'	'	3,873	'
Total charge-offs	401	726	408	732
Total Recoveries	204	267	248	275
Allowance at End of period	3,410	'	3,410	'
Real estate [Member]	'	'	'	'
Loans And Allowance For Loan Losses [Line Items]	'	'	'	'
Allowance at beginning of period	'	'	267	'
Total charge-offs	10	57	38	106
Total Recoveries	0	1	5	2
Allowance at End of period	250	'	250	'
Consumer [Member]	'	'	'	'
Loans And Allowance For Loan Losses [Line Items]	'	'	'	'
Allowance at beginning of period	'	'	244	'
Total charge-offs	72	38	136	128
Total Recoveries	16	13	31	18
Allowance at End of period	$240	'	$240	'

LOANS_AND_ALLOWANCE_FOR_LOAN_L3

LOANS AND ALLOWANCE FOR LOAN LOSSES (Details 1) (USD $)	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2013	Jun. 30, 2013	Mar. 31, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Financing Receivable, Allowance for Credit Losses [Line Items]	'	'	'	'	'	'
Collectively Evaluated, Allowance for loan losses	$2,860	'	$3,174	'	'	'
Collectively Evaluated, Recorded investment in loans	132,183	'	136,118	'	'	'
Individually Evaluated, Allowance for loan losses	1,040	'	1,210	'	'	'
Individually Evaluated, Recorded investment in loans	11,605	'	10,899	'	'	'
Total Allowance for loan losses	3,900	4,349	4,384	4,724	5,239	5,204
Total Recorded investment in loans	143,788	'	147,017	'	'	'
Commercial [Member]	'	'	'	'	'	'
Financing Receivable, Allowance for Credit Losses [Line Items]	'	'	'	'	'	'
Collectively Evaluated, Allowance for loan losses	2,510	'	2,802	'	'	'
Collectively Evaluated, Recorded investment in loans	75,465	'	81,716	'	'	'
Individually Evaluated, Allowance for loan losses	900	'	1,071	'	'	'
Individually Evaluated, Recorded investment in loans	10,557	'	9,874	'	'	'
Total Allowance for loan losses	3,410	'	3,873	'	'	'
Total Recorded investment in loans	86,022	'	91,590	'	'	'
Real estate [Member]	'	'	'	'	'	'
Financing Receivable, Allowance for Credit Losses [Line Items]	'	'	'	'	'	'
Collectively Evaluated, Allowance for loan losses	151	'	183	'	'	'
Collectively Evaluated, Recorded investment in loans	36,496	'	33,219	'	'	'
Individually Evaluated, Allowance for loan losses	99	'	84	'	'	'
Individually Evaluated, Recorded investment in loans	738	'	778	'	'	'
Total Allowance for loan losses	250	'	267	'	'	'
Total Recorded investment in loans	37,234	'	33,997	'	'	'
Consumer [Member]	'	'	'	'	'	'
Financing Receivable, Allowance for Credit Losses [Line Items]	'	'	'	'	'	'
Collectively Evaluated, Allowance for loan losses	199	'	189	'	'	'
Collectively Evaluated, Recorded investment in loans	20,222	'	21,183	'	'	'
Individually Evaluated, Allowance for loan losses	41	'	55	'	'	'
Individually Evaluated, Recorded investment in loans	310	'	247	'	'	'
Total Allowance for loan losses	240	'	244	'	'	'
Total Recorded investment in loans	$20,532	'	$21,430	'	'	'

LOANS_AND_ALLOWANCE_FOR_LOAN_L4

LOANS AND ALLOWANCE FOR LOAN LOSSES (Details 2) (USD $)	Jun. 30, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Loans And Allowance For Loan Losses [Line Items]	'	'
Total Loans	$143,788	$147,017
Commercial mortgage [Member]	'	'
Loans And Allowance For Loan Losses [Line Items]	'	'
Total Loans	73,125	76,964
Commercial mortgage [Member] | Pass [Member]	'	'
Loans And Allowance For Loan Losses [Line Items]	'	'
Total Loans	58,472	58,765
Commercial mortgage [Member] | Special Mention [Member]	'	'
Loans And Allowance For Loan Losses [Line Items]	'	'
Total Loans	6,762	11,468
Commercial mortgage [Member] | Substandard [Member]	'	'
Loans And Allowance For Loan Losses [Line Items]	'	'
Total Loans	7,891	6,657
Commercial mortgage [Member] | Doubtful [Member]	'	'
Loans And Allowance For Loan Losses [Line Items]	'	'
Total Loans	0	74
Commercial other [Member]	'	'
Loans And Allowance For Loan Losses [Line Items]	'	'
Total Loans	12,897	14,626
Commercial other [Member] | Pass [Member]	'	'
Loans And Allowance For Loan Losses [Line Items]	'	'
Total Loans	10,837	11,424
Commercial other [Member] | Special Mention [Member]	'	'
Loans And Allowance For Loan Losses [Line Items]	'	'
Total Loans	1,899	2,480
Commercial other [Member] | Substandard [Member]	'	'
Loans And Allowance For Loan Losses [Line Items]	'	'
Total Loans	161	722
Commercial other [Member] | Doubtful [Member]	'	'
Loans And Allowance For Loan Losses [Line Items]	'	'
Total Loans	0	0
Real estate residential [Member]	'	'
Loans And Allowance For Loan Losses [Line Items]	'	'
Total Loans	37,234	33,997
Real estate residential [Member] | Pass [Member]	'	'
Loans And Allowance For Loan Losses [Line Items]	'	'
Total Loans	36,084	32,201
Real estate residential [Member] | Special Mention [Member]	'	'
Loans And Allowance For Loan Losses [Line Items]	'	'
Total Loans	606	792
Real estate residential [Member] | Substandard [Member]	'	'
Loans And Allowance For Loan Losses [Line Items]	'	'
Total Loans	544	1,004
Real estate residential [Member] | Doubtful [Member]	'	'
Loans And Allowance For Loan Losses [Line Items]	'	'
Total Loans	0	0
Consumer equity [Member]	'	'
Loans And Allowance For Loan Losses [Line Items]	'	'
Total Loans	7,356	7,666
Consumer equity [Member] | Pass [Member]	'	'
Loans And Allowance For Loan Losses [Line Items]	'	'
Total Loans	7,185	7,351
Consumer equity [Member] | Special Mention [Member]	'	'
Loans And Allowance For Loan Losses [Line Items]	'	'
Total Loans	82	210
Consumer equity [Member] | Substandard [Member]	'	'
Loans And Allowance For Loan Losses [Line Items]	'	'
Total Loans	89	105
Consumer equity [Member] | Doubtful [Member]	'	'
Loans And Allowance For Loan Losses [Line Items]	'	'
Total Loans	0	0
Consumer auto [Member]	'	'
Loans And Allowance For Loan Losses [Line Items]	'	'
Total Loans	11,472	12,026
Consumer auto [Member] | Pass [Member]	'	'
Loans And Allowance For Loan Losses [Line Items]	'	'
Total Loans	11,389	11,908
Consumer auto [Member] | Special Mention [Member]	'	'
Loans And Allowance For Loan Losses [Line Items]	'	'
Total Loans	53	62
Consumer auto [Member] | Substandard [Member]	'	'
Loans And Allowance For Loan Losses [Line Items]	'	'
Total Loans	29	53
Consumer auto [Member] | Doubtful [Member]	'	'
Loans And Allowance For Loan Losses [Line Items]	'	'
Total Loans	1	3
Consumer Other [Member]	'	'
Loans And Allowance For Loan Losses [Line Items]	'	'
Total Loans	1,704	1,738
Consumer Other [Member] | Pass [Member]	'	'
Loans And Allowance For Loan Losses [Line Items]	'	'
Total Loans	1,704	1,738
Consumer Other [Member] | Special Mention [Member]	'	'
Loans And Allowance For Loan Losses [Line Items]	'	'
Total Loans	0	0
Consumer Other [Member] | Substandard [Member]	'	'
Loans And Allowance For Loan Losses [Line Items]	'	'
Total Loans	0	0
Consumer Other [Member] | Doubtful [Member]	'	'
Loans And Allowance For Loan Losses [Line Items]	'	'
Total Loans	$0	$0

LOANS_AND_ALLOWANCE_FOR_LOAN_L5

LOANS AND ALLOWANCE FOR LOAN LOSSES (Details 3) (USD $)	Jun. 30, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Financing Receivable, Impaired [Line Items]	'	'
Recorded Investment, With no related allowance recorded	$8,179	$7,723
Unpaid Principal Balance, With no related allowance recorded	8,509	8,010
Recorded Investment, With an allowance recorded	3,426	3,634
Unpaid Principal Balance, With an allowance recorded	3,528	5,051
Related Allowance, With an allowance recorded	1,040	1,210
Recorded Investment, Total	11,605	11,357
Unpaid Principal Balance, Total	12,037	13,061
Commercial mortgage [Member]	'	'
Financing Receivable, Impaired [Line Items]	'	'
Recorded Investment, With no related allowance recorded	7,816	6,824
Unpaid Principal Balance, With no related allowance recorded	8,091	7,048
Recorded Investment, With an allowance recorded	2,534	2,352
Unpaid Principal Balance, With an allowance recorded	2,627	3,629
Related Allowance, With an allowance recorded	779	624
Commercial other [Member]	'	'
Financing Receivable, Impaired [Line Items]	'	'
Recorded Investment, With no related allowance recorded	86	113
Unpaid Principal Balance, With no related allowance recorded	87	115
Recorded Investment, With an allowance recorded	121	656
Unpaid Principal Balance, With an allowance recorded	128	792
Related Allowance, With an allowance recorded	121	447
Residential real estate [Member]	'	'
Financing Receivable, Impaired [Line Items]	'	'
Recorded Investment, With no related allowance recorded	121	558
Unpaid Principal Balance, With no related allowance recorded	169	615
Recorded Investment, With an allowance recorded	617	452
Unpaid Principal Balance, With an allowance recorded	619	455
Related Allowance, With an allowance recorded	99	84
Consumer equity [Member]	'	'
Financing Receivable, Impaired [Line Items]	'	'
Recorded Investment, With no related allowance recorded	89	96
Unpaid Principal Balance, With no related allowance recorded	92	97
Recorded Investment, With an allowance recorded	154	165
Unpaid Principal Balance, With an allowance recorded	154	166
Related Allowance, With an allowance recorded	36	53
Consumer auto [Member]	'	'
Financing Receivable, Impaired [Line Items]	'	'
Recorded Investment, With no related allowance recorded	67	132
Unpaid Principal Balance, With no related allowance recorded	70	135
Recorded Investment, With an allowance recorded	0	9
Unpaid Principal Balance, With an allowance recorded	0	9
Related Allowance, With an allowance recorded	$5	$2

LOANS_AND_ALLOWANCE_FOR_LOAN_L6

LOANS AND ALLOWANCE FOR LOAN LOSSES (Details 4) (USD $)	3 Months Ended		6 Months Ended
In Thousands, unless otherwise specified	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013
Financing Receivable, Impaired [Line Items]	'	'	'	'
Average Recorded Investment, With No Related Allowance Recorded	$8,692	$9,846	$8,369	$10,114
Total Interest Income Recognized, With No Related Allowance Recorded	37	43	74	81
Average Recorded Investment, With Related Allowance Recorded	3,180	4,372	3,331	4,409
Total Interest Income Recognized, With Related Allowance Recorded	9	7	18	15
Total Average Recorded Investment	11,872	14,218	11,700	14,523
Total Interest Income Recognized	46	50	92	96
Commercial mortgage [Member]	'	'	'	'
Financing Receivable, Impaired [Line Items]	'	'	'	'
Average Recorded Investment, With No Related Allowance Recorded	8,131	9,255	7,696	9,493
Total Interest Income Recognized, With No Related Allowance Recorded	35	40	70	74
Average Recorded Investment, With Related Allowance Recorded	2,232	2,911	2,272	2,936
Total Interest Income Recognized, With Related Allowance Recorded	0	0	0	0
Total Average Recorded Investment	10,363	12,166	9,968	12,429
Total Interest Income Recognized	35	40	70	74
Commercial other [Member]	'	'	'	'
Financing Receivable, Impaired [Line Items]	'	'	'	'
Average Recorded Investment, With No Related Allowance Recorded	244	186	200	198
Total Interest Income Recognized, With No Related Allowance Recorded	1	1	1	2
Average Recorded Investment, With Related Allowance Recorded	175	881	335	888
Total Interest Income Recognized, With Related Allowance Recorded	0	0	0	0
Total Average Recorded Investment	419	1,067	535	1,086
Total Interest Income Recognized	1	1	1	2
Residential real estate [Member]	'	'	'	'
Financing Receivable, Impaired [Line Items]	'	'	'	'
Average Recorded Investment, With No Related Allowance Recorded	120	280	266	284
Total Interest Income Recognized, With No Related Allowance Recorded	1	1	2	1
Average Recorded Investment, With Related Allowance Recorded	618	413	563	417
Total Interest Income Recognized, With Related Allowance Recorded	7	4	13	9
Total Average Recorded Investment	738	693	829	701
Total Interest Income Recognized	8	5	15	10
Consumer equity [Member]	'	'	'	'
Financing Receivable, Impaired [Line Items]	'	'	'	'
Average Recorded Investment, With No Related Allowance Recorded	95	7	95	7
Total Interest Income Recognized, With No Related Allowance Recorded	0	0	0	0
Average Recorded Investment, With Related Allowance Recorded	155	167	158	168
Total Interest Income Recognized, With Related Allowance Recorded	2	3	5	6
Total Average Recorded Investment	250	174	253	175
Total Interest Income Recognized	2	3	5	6
Consumer auto [Member]	'	'	'	'
Financing Receivable, Impaired [Line Items]	'	'	'	'
Average Recorded Investment, With No Related Allowance Recorded	102	118	112	132
Total Interest Income Recognized, With No Related Allowance Recorded	0	1	1	4
Average Recorded Investment, With Related Allowance Recorded	0	0	3	0
Total Interest Income Recognized, With Related Allowance Recorded	0	0	0	0
Total Average Recorded Investment	102	118	115	132
Total Interest Income Recognized	0	1	1	4
Consumer Other [Member]	'	'	'	'
Financing Receivable, Impaired [Line Items]	'	'	'	'
Average Recorded Investment, With No Related Allowance Recorded	0	0	0	0
Total Interest Income Recognized, With No Related Allowance Recorded	0	0	0	0
Average Recorded Investment, With Related Allowance Recorded	0	0	0	0
Total Interest Income Recognized, With Related Allowance Recorded	0	0	0	0
Total Average Recorded Investment	0	0	0	0
Total Interest Income Recognized	$0	$0	$0	$0

LOANS_AND_ALLOWANCE_FOR_LOAN_L7

LOANS AND ALLOWANCE FOR LOAN LOSSES (Details 5) (USD $)	3 Months Ended				6 Months Ended
In Thousands, unless otherwise specified	Jun. 30, 2014		Jun. 30, 2013		Jun. 30, 2014		Jun. 30, 2013
Financing Receivable, Modifications [Line Items]	'		'		'		'
Number of TDRs	0		0		7		0
Pre-Modification Outstanding Recorded Investment	$0	[1]	$0	[1]	$498	[1]	$0	[1]
Post-Modification Outstanding Recorded Investment	0		0		498		0
Commercial mortgage [Member]	'		'		'		'
Financing Receivable, Modifications [Line Items]	'		'		'		'
Number of TDRs	0		0		3		0
Pre-Modification Outstanding Recorded Investment	0	[1]	0	[1]	310	[1]	0	[1]
Post-Modification Outstanding Recorded Investment	0		0		310		0
Residential Mortgage [Member]	'		'		'		'
Financing Receivable, Modifications [Line Items]	'		'		'		'
Number of TDRs	0		'		2		'
Pre-Modification Outstanding Recorded Investment	0	[1]	'		187	[1]	'
Post-Modification Outstanding Recorded Investment	0		'		187		'
Consumer auto [Member]	'		'		'		'
Financing Receivable, Modifications [Line Items]	'		'		'		'
Number of TDRs	0		0		1		0
Pre-Modification Outstanding Recorded Investment	0	[1]	0	[1]	1	[1]	0	[1]
Post-Modification Outstanding Recorded Investment	0		0		1		0
Unsecured [Member]	'		'		'		'
Financing Receivable, Modifications [Line Items]	'		'		'		'
Number of TDRs	0		0		1		0
Pre-Modification Outstanding Recorded Investment	0	[1]	0	[1]	0	[1]	0	[1]
Post-Modification Outstanding Recorded Investment	0		0		0		0
Commercial other [Member]	'		'		'		'
Financing Receivable, Modifications [Line Items]	'		'		'		'
Number of TDRs	'		0		'		0
Pre-Modification Outstanding Recorded Investment	'		0	[1]	'		0	[1]
Post-Modification Outstanding Recorded Investment	'		$0		'		$0
[1]	Pre-modification balance is calculated using the loan balance on the day prior to modification as TDR.

LOANS_AND_ALLOWANCE_FOR_LOAN_L8

LOANS AND ALLOWANCE FOR LOAN LOSSES (Details 6) (USD $)	Jun. 30, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
30-59 Days Past Due	$2,483	$2,900
60-89 Days Past Due	508	520
>90 Days Past Due	4,364	3,586
Total Past Due	7,355	7,006
Current	136,433	140,011
Total Loans	143,788	147,017
Recorded Investment >90 Days and Accruing	3	0
Commercial mortgage [Member]	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
30-59 Days Past Due	1,915	1,923
60-89 Days Past Due	448	203
>90 Days Past Due	4,143	3,153
Total Past Due	6,506	5,279
Current	66,619	71,685
Total Loans	73,125	76,964
Recorded Investment >90 Days and Accruing	0	0
Commercial other [Member]	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
30-59 Days Past Due	16	140
60-89 Days Past Due	20	74
>90 Days Past Due	29	174
Total Past Due	65	388
Current	12,832	14,238
Total Loans	12,897	14,626
Recorded Investment >90 Days and Accruing	0	0
Residential real estate [Member]	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
30-59 Days Past Due	441	639
60-89 Days Past Due	36	156
>90 Days Past Due	173	259
Total Past Due	650	1,054
Current	36,584	32,943
Total Loans	37,234	33,997
Recorded Investment >90 Days and Accruing	0	0
Consumer equity [Member]	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
30-59 Days Past Due	45	81
60-89 Days Past Due	0	16
>90 Days Past Due	16	0
Total Past Due	61	97
Current	7,295	7,569
Total Loans	7,356	7,666
Recorded Investment >90 Days and Accruing	0	0
Consumer auto [Member]	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
30-59 Days Past Due	46	46
60-89 Days Past Due	3	11
>90 Days Past Due	0	0
Total Past Due	49	57
Current	11,423	11,969
Total Loans	11,472	12,026
Recorded Investment >90 Days and Accruing	0	0
Consumer Other [Member]	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
30-59 Days Past Due	20	71
60-89 Days Past Due	1	60
>90 Days Past Due	3	0
Total Past Due	24	131
Current	1,680	1,607
Total Loans	1,704	1,738
Recorded Investment >90 Days and Accruing	$3	$0

LOANS_AND_ALLOWANCE_FOR_LOAN_L9

LOANS AND ALLOWANCE FOR LOAN LOSSES (Details 7) (USD $)	Jun. 30, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
Loans on nonaccrual status	$7,864	$7,788
Commercial mortgage [Member]	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
Loans on nonaccrual status	7,376	6,443
Commercial other [Member]	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
Loans on nonaccrual status	161	529
Residential real estate	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
Loans on nonaccrual status	225	680
Consumer equity [Member]	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
Loans on nonaccrual status	89	105
Consumer auto [Member]	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
Loans on nonaccrual status	13	31
Consumer Other [Member]	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
Loans on nonaccrual status	$0	$0

Recovered_Sheet1

LOANS AND ALLOWANCE FOR LOAN LOSSES (Details Textual) (USD $)	6 Months Ended
	Jun. 30, 2014
Financing Receivable, Modifications [Line Items]	'
Financing Receivable, Modifications, Subsequent Default, Recorded Investment	$193,000

PENSION_PLAN_Details

PENSION PLAN (Details) (USD $)	3 Months Ended		6 Months Ended
In Thousands, unless otherwise specified	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013
Net periodic pension cost:	'	'	'	'
Interest cost on projected benefit obligation	$13	$13	$26	$26
Expected return on plan assets	-10	-2	-20	-4
Settlement loss	0	22	0	44
Net amortization of deferral of (gains) losses	12	22	24	45
Net periodic pension cost	$15	$55	$30	$111

PENSION_PLAN_Details_Textual

PENSION PLAN (Details Textual) (USD $)	6 Months Ended
	Jun. 30, 2014
Defined Benefit Plan, Pension Plan, Anticipated Contributions	$21,300

FAIR_VALUES_OF_FINANCIAL_INSTR2

FAIR VALUES OF FINANCIAL INSTRUMENTS (Details) (USD $)	Jun. 30, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Available-for-sale Securities, Total	$37,766	$34,630
Fair Value, Inputs, Level 1 [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Available-for-sale Securities, Total	0	0
Fair Value, Inputs, Level 2 [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Available-for-sale Securities, Total	37,766	34,630
Fair Value, Inputs, Level 3 [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Available-for-sale Securities, Total	0	0
U.S. Treasury securities [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Available-for-sale Securities, Total	5,062	0
U.S. Treasury securities [Member] | Fair Value, Inputs, Level 1 [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Available-for-sale Securities, Total	0	0
U.S. Treasury securities [Member] | Fair Value, Inputs, Level 2 [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Available-for-sale Securities, Total	5,062	0
U.S. Treasury securities [Member] | Fair Value, Inputs, Level 3 [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Available-for-sale Securities, Total	0	0
U.S. government federal agencies[Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Available-for-sale Securities, Total	13,797	13,712
U.S. government federal agencies[Member] | Fair Value, Inputs, Level 1 [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Available-for-sale Securities, Total	0	0
U.S. government federal agencies[Member] | Fair Value, Inputs, Level 2 [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Available-for-sale Securities, Total	13,797	13,712
U.S. government federal agencies[Member] | Fair Value, Inputs, Level 3 [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Available-for-sale Securities, Total	0	0
State & local governments [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Available-for-sale Securities, Total	6,374	7,339
State & local governments [Member] | Fair Value, Inputs, Level 1 [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Available-for-sale Securities, Total	0	0
State & local governments [Member] | Fair Value, Inputs, Level 2 [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Available-for-sale Securities, Total	6,374	7,339
State & local governments [Member] | Fair Value, Inputs, Level 3 [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Available-for-sale Securities, Total	0	0
Mortgage backed securities [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Available-for-sale Securities, Total	12,533	13,579
Mortgage backed securities [Member] | Fair Value, Inputs, Level 1 [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Available-for-sale Securities, Total	0	0
Mortgage backed securities [Member] | Fair Value, Inputs, Level 2 [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Available-for-sale Securities, Total	12,533	13,579
Mortgage backed securities [Member] | Fair Value, Inputs, Level 3 [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Available-for-sale Securities, Total	$0	$0

FAIR_VALUES_OF_FINANCIAL_INSTR3

FAIR VALUES OF FINANCIAL INSTRUMENTS (Details 1) (USD $)	Jun. 30, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Impaired loans	$11,605	$11,357
Other real estate owned	1,001	2,532
Fair Value, Inputs, Level 1 [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Impaired loans	0	0
Other real estate owned	0	0
Fair Value, Inputs, Level 2 [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Impaired loans	0	0
Other real estate owned	0	0
Fair Value, Inputs, Level 3 [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Impaired loans	10,565	10,147
Other real estate owned	$1,001	$2,532

FAIR_VALUES_OF_FINANCIAL_INSTR4

FAIR VALUES OF FINANCIAL INSTRUMENTS (Details 2) (USD $)	Jun. 30, 2014	Dec. 31, 2013	Jun. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Financial assets, Carrying Amount:	'	'	'	'
Cash and cash equivalents	$19,892	$15,004	$13,282	$10,215
Investment securities	37,766	34,630	'	'
Other investment securities	859	859	'	'
Loans, net	139,888	142,633	'	'
Accrued interest receivable	352	446	'	'
Financial liabilities, Carrying Amount:	'	'	'	'
Noninterest-bearing deposits	22,150	20,539	'	'
Interest-bearing deposits	163,329	165,032	'	'
Borrowed funds	6,255	6,363	'	'
Accrued interest payable	1,654	1,935	'	'
Financial assets, Fair Value:	'	'	'	'
Cash and cash equivalents	19,892	15,004	'	'
Investment securities	37,766	34,630	'	'
Other investment securities	859	859	'	'
Loans, net	144,407	147,703	'	'
Accrued interest receivable	352	446	'	'
Financial liabilities, Fair Value:	'	'	'	'
Noninterest-bearing deposits	22,150	20,539	'	'
Interest-bearing deposits	165,322	165,502	'	'
Borrowed funds	6,255	6,363	'	'
Accrued interest payable	1,654	1,935	'	'
Fair Value, Inputs, Level 1 [Member]	'	'	'	'
Financial assets, Carrying Amount:	'	'	'	'
Cash and cash equivalents	0	0	'	'
Investment securities	0	0	'	'
Other investment securities	0	0	'	'
Loans, net	0	0	'	'
Accrued interest receivable	0	0	'	'
Financial liabilities, Carrying Amount:	'	'	'	'
Noninterest-bearing deposits	0	0	'	'
Interest-bearing deposits	0	0	'	'
Borrowed funds	0	0	'	'
Accrued interest payable	0	0	'	'
Financial assets, Fair Value:	'	'	'	'
Investment securities	0	0	'	'
Fair Value, Inputs, Level 2 [Member]	'	'	'	'
Financial assets, Carrying Amount:	'	'	'	'
Cash and cash equivalents	19,892	15,004	'	'
Investment securities	37,766	34,630	'	'
Other investment securities	0	0	'	'
Loans, net	0	0	'	'
Accrued interest receivable	0	0	'	'
Financial liabilities, Carrying Amount:	'	'	'	'
Noninterest-bearing deposits	22,150	20,539	'	'
Interest-bearing deposits	165,322	165,502	'	'
Borrowed funds	6,255	6,363	'	'
Accrued interest payable	0	0	'	'
Financial assets, Fair Value:	'	'	'	'
Investment securities	37,766	34,630	'	'
Fair Value, Inputs, Level 3 [Member]	'	'	'	'
Financial assets, Carrying Amount:	'	'	'	'
Cash and cash equivalents	0	0	'	'
Investment securities	0	0	'	'
Other investment securities	859	859	'	'
Loans, net	144,407	147,703	'	'
Accrued interest receivable	352	446	'	'
Financial liabilities, Carrying Amount:	'	'	'	'
Noninterest-bearing deposits	0	0	'	'
Interest-bearing deposits	0	0	'	'
Borrowed funds	0	0	'	'
Accrued interest payable	1,654	1,935	'	'
Financial assets, Fair Value:	'	'	'	'
Investment securities	$0	$0	'	'