Severn Bancorp (SVBI) 10-Q 14 May 14 2014 Q1 Quarterly report Financial data

Document_and_Entity_Informatio

Document and Entity Information	3 Months Ended
	Mar. 31, 2014	14-May-14
Document and Entity Information [Abstract]	'	'
Entity Registrant Name	'SEVERN BANCORP INC	'
Entity Central Index Key	'0000868271	'
Current Fiscal Year End Date	'--12-31	'
Entity Well-known Seasoned Issuer	'No	'
Entity Voluntary Filers	'No	'
Entity Current Reporting Status	'Yes	'
Entity Filer Category	'Smaller Reporting Company	'
Entity Common Stock, Shares Outstanding	'	10,067,379
Document Fiscal Year Focus	'2014	'
Document Fiscal Period Focus	'Q1	'
Document Type	'10-Q	'
Amendment Flag	'false	'
Document Period End Date	31-Mar-14	'

CONSOLIDATED_STATEMENTS_OF_FIN

CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION (UNAUDITED) (USD $)	Mar. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
ASSETS	'	'
Cash and due from banks	$39,327	$44,934
Interest bearing deposits in other banks	48,208	41,269
Federal funds sold	6,385	12,173
Cash and cash equivalents	93,920	98,376
Investment securities held to maturity (fair value: $44,145 at March 31, 2014; $45,213 at December 31, 2013)	43,535	44,661
Loans held for sale	6,156	3,726
Loans receivable, net of allowance for loan losses of $11,225 and $11,739, respectively	603,761	602,813
Premises and equipment, net	25,812	25,838
Foreclosed real estate	5,561	8,972
Federal Home Loan Bank stock at cost	5,891	6,190
Accrued interest receivable and other assets	8,797	9,027
Total assets	793,433	799,603
Liabilities	'	'
Deposits	562,964	571,249
Long-term borrowings	115,000	115,000
Subordinated debentures	24,119	24,119
Accrued interest payable and other liabilities	8,148	6,466
Total Liabilities	710,231	716,834
Stockholders' Equity	'	'
Common stock, $0.01 par value, 20,000,000 shares authorized; 10,066,679 shares issued and outstanding	101	101
Additional paid-in capital	75,501	75,374
Retained earnings	7,596	7,290
Total stockholders' equity	83,202	82,769
Total liabilities and stockholders' equity	793,433	799,603
Series A Preferred Stock [Member]	'	'
Stockholders' Equity	'	'
Preferred stock	4	4
Series B Preferred Stock [Member]	'	'
Stockholders' Equity	'	'
Preferred stock	$0	$0

CONSOLIDATED_STATEMENTS_OF_FIN1

CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION (UNAUDITED) (Parenthetical) (USD $)	Mar. 31, 2014	Dec. 31, 2013
In Thousands, except Share data, unless otherwise specified
ASSETS	'	'
Investment securities held to maturity at fair value	$44,145	$45,213
Loans receivable, allowance for loan losses	11,225	11,739
Stockholders' Equity	'	'
Preferred stock, par value (in dollars per share)	$0.01	$0.01
Preferred stock, shares authorized (in shares)	1,000,000	1,000,000
Common stock, par value (in dollars per share)	$0.01	$0.01
Common stock, shares authorized (in shares)	20,000,000	20,000,000
Common stock, shares issued (in shares)	10,066,679	10,066,679
Common stock, shares outstanding (in shares)	10,066,679	10,066,679
Series A Preferred Stock [Member]	'	'
Stockholders' Equity	'	'
Preferred stock, shares issued (in shares)	437,500	437,500
Preferred stock, shares outstanding (in shares)	437,500	437,500
Preferred stock, liquidation preference	3,500	3,500
Series B Preferred Stock [Member]	'	'
Stockholders' Equity	'	'
Preferred stock, shares issued (in shares)	23,393	23,393
Preferred stock, shares outstanding (in shares)	23,393	23,393
Preferred stock, liquidation preference	$23,393	$23,393

CONSOLIDATED_STATEMENTS_OF_OPE

CONSOLIDATED STATEMENTS OF OPERATIONS (UNAUDITED) (USD $)	3 Months Ended
In Thousands, except Per Share data, unless otherwise specified	Mar. 31, 2014	Mar. 31, 2013
Interest Income	'	'
Loans, including fees	$7,642	$8,694
Securities, taxable	194	151
Other	86	68
Total interest income	7,922	8,913
Interest Expense	'	'
Deposits	986	1,255
Long-term borrowings and subordinated debentures	1,129	1,060
Total interest expense	2,115	2,315
Net interest income	5,807	6,598
Provision for loan losses	200	320
Net interest income after provision for loan losses	5,607	6,278
Non-interest Income	'	'
Mortgage banking activities	201	1,037
Real estate commissions	260	112
Real estate management fees	254	175
Other	261	212
Total other income	976	1,536
Non-Interest Expenses	'	'
Compensation and related expenses	3,637	3,525
Occupancy	433	441
Legal	104	190
Foreclosed real estate expenses, net	-53	902
FDIC assessments and regulatory expense	352	342
Professional fees	191	209
Office supplies	93	92
Online charges	223	237
Credit reports and appraisal fees	173	169
Other	553	642
Total non-interest expenses	5,706	6,749
Income before income tax provision	877	1,065
Income tax provision	10	444
Net income	867	621
Amortization of discount on preferred stock	-68	-68
Dividends on preferred stock	-493	-292
Net income available to common stockholders	$306	$261
Basic income per share (in dollars per share)	$0.03	$0.03
Diluted income per share (in dollars per share)	$0.03	$0.03

CONSOLIDATED_STATEMENTS_OF_STO

CONSOLIDATED STATEMENTS OF STOCKHOLDERS' EQUITY (UNAUDITED) (USD $)	Preferred Stock [Member]	Common Stock [Member]	Additional Paid-In Capital [Member]	Retained Earnings [Member]	Total	Series B Preferred Stock [Member]	Series B Preferred Stock [Member]	Series B Preferred Stock [Member]	Series B Preferred Stock [Member]	Series B Preferred Stock [Member]
In Thousands, unless otherwise specified						Preferred Stock [Member]	Common Stock [Member]	Additional Paid-In Capital [Member]	Retained Earnings [Member]
Balance at Dec. 31, 2012	$4	$101	$74,996	$33,895	$108,996	'	'	'	'	'
Increase (Decrease) in Stockholders' Equity [Roll Forward]	'	'	'	'	'	'	'	'	'	'
Net income	0	0	0	621	621	'	'	'	'	'
Stock-based compensation	0	0	24	0	24	'	'	'	'	'
Dividend declared on preferred stock	'	'	'	'	'	0	0	0	-292	-292
Amortization of discount on preferred stock	'	'	'	'	'	0	0	68	-68	0
Balance at Mar. 31, 2013	4	101	75,088	34,156	109,349	'	'	'	'	'
Balance at Dec. 31, 2013	4	101	75,374	7,290	82,769	'	'	'	'	'
Increase (Decrease) in Stockholders' Equity [Roll Forward]	'	'	'	'	'	'	'	'	'	'
Net income	0	0	0	867	867	'	'	'	'	'
Stock-based compensation	0	0	59	0	59	'	'	'	'	'
Dividend declared on preferred stock	'	'	'	'	'	0	0	0	-493	-493
Amortization of discount on preferred stock	'	'	'	'	'	0	0	68	-68	0
Balance at Mar. 31, 2014	$4	$101	$75,501	$7,596	$83,202	'	'	'	'	'

CONSOLIDATED_STATEMENTS_OF_CAS

CONSOLIDATED STATEMENTS OF CASH FLOWS (UNAUDITED) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014	Mar. 31, 2013
Cash Flows from Operating Activities	'	'
Net income	$867	$621
Adjustments to reconcile net income to net cash provided by operating activities:	'	'
Amortization of deferred loan fees	-232	-227
Net amortization of premiums and discounts	48	50
Provision for loan losses	200	320
Provision for depreciation	283	266
Provision for foreclosed real estate losses	0	574
Gain on sale of loans	-352	-1,081
(Gain) loss on sale of foreclosed real estate	-96	9
Proceeds from loans sold to others	16,115	37,970
Loans originated for sale	-18,193	-37,810
Stock-based compensation expense	59	24
Deferred income tax expense	0	78
Decrease in accrued interest receivable and other assets	230	500
Increase in accrued interest payable and other liabilities	1,189	2,329
Net cash provided by operating activities	118	3,623
Cash Flows from Investing Activities	'	'
Proceeds from maturing investment securities held to maturity	1,000	2,000
Principal collected on mortgage-backed securities held to maturity	78	76
Net (increase) decrease in loans	-916	9,057
Proceeds from sale of foreclosed real estate	3,507	677
Investment in foreclosed real estate	0	-285
Investment in premises and equipment	-257	-322
Redemption of FHLB stock	299	330
Net cash provided by investing activities	3,711	11,533
Cash Flows from Financing Activities	'	'
Net decrease in deposits	-8,285	-5,494
Net cash used in financing activities	-8,285	-5,494
(Decrease) increase in cash and cash equivalents	-4,456	9,662
Cash and cash equivalents at beginning of year	98,376	93,392
Cash and cash equivalents at end of period	93,920	103,054
Cash paid during period for:	'	'
Interest	1,992	2,275
Income taxes	7	0
Transfer of loans to foreclosed real estate	$0	$4,429

Principles_of_Consolidation

Principles of Consolidation	3 Months Ended
	Mar. 31, 2014
Principles of Consolidation [Abstract]	'
Principles of Consolidation	'
	Note 1 - Principles of Consolidation
	The unaudited consolidated financial statements include the accounts of Severn Bancorp, Inc. (“Bancorp”), and its wholly-owned subsidiaries, SBI Mortgage Company and  SBI Mortgage Company’s subsidiary, Crownsville Development Corporation, and its subsidiary, Crownsville Holdings I, LLC, and Severn Savings Bank, FSB (the “Bank”), and the Bank’s subsidiaries, Louis Hyatt, Inc., Homeowners Title and Escrow Corporation, Severn Financial Services Corporation, SSB Realty Holdings, LLC, SSB Realty Holdings II, LLC, and HS West, LLC.  All intercompany accounts and transactions have been eliminated in the accompanying consolidated financial statements.

Basis_of_Presentation

Basis of Presentation	3 Months Ended
	Mar. 31, 2014
Basis of Presentation [Abstract]	'
Basis of Presentation	'
	Note 2 - Basis of Presentation
	Bancorp follows accounting standards set by the Financial Accounting Standards Board, commonly referred to as the “FASB”.  The FASB sets generally accepted accounting principles in the United States (“GAAP”) that Bancorp follows. References to GAAP issued by the FASB in these footnotes are to the FASB Accounting Standards Codification, sometimes referred to as the Codification or ASC.
	The accompanying unaudited consolidated financial statements have been prepared in accordance with GAAP for interim financial information and in accordance with the instructions to Form 10-Q.  Accordingly, they do not include all of the disclosures required by GAAP for complete consolidated financial statements. In the opinion of management, all adjustments necessary for a fair presentation of the results of operations for the interim periods presented have been made. Such adjustments were of a normal recurring nature.  The results of operations for the three months ended March 31, 2014 are not necessarily indicative of the results that may be expected for the fiscal year ending December 31, 2014 or any other interim period.  The unaudited consolidated financial statements for the three months ended March 31, 2014 should be read in conjunction with the audited consolidated financial statements and related notes, which were included in Bancorp’s Annual Report on Form 10-K for the fiscal year ended December 31, 2013.  These consolidated financial statements consider events that occurred through the date the consolidated financial statements were issued.

Cash_Flow_Presentation

Cash Flow Presentation	3 Months Ended
	Mar. 31, 2014
Cash Flow Presentation [Abstract]	'
Cash Flow Presentation	'
	Note 3 - Cash Flow Presentation
	In the statements of cash flows, cash and cash equivalents include cash on hand, amounts due from banks, Federal Home Loan Bank of Atlanta (“FHLB Atlanta”) overnight deposits, and federal funds sold. Generally, federal funds are sold for one-day periods.

Reclassifications

Reclassifications	3 Months Ended
	Mar. 31, 2014
Reclassifications [Abstract]	'
Reclassifications	'
	Note 4 – Reclassifications
	Amounts in the prior year’s consolidated financial statements have been reclassified whenever necessary to conform to the current year’s presentation.  Such reclassifications had no impact on net income.

Earnings_Per_Share

Earnings Per Share	3 Months Ended
	Mar. 31, 2014
Earnings Per Share [Abstract]	'
Earnings Per Share	'
	Note 5 - Earnings Per Share
	Basic earnings per share is computed by dividing net income available to common stockholders by the weighted average number of shares of common stock outstanding for each period.  Diluted earnings per share reflect additional common shares that would have been outstanding if dilutive potential common shares had been issued.  Potential common shares that may be issued by Bancorp relate to outstanding stock options, warrants, and convertible preferred stock, and are determined using the treasury stock method.
	Not included in the diluted earnings per share calculation for the three month periods ended March 31, 2014 and March 31, 2013, because they were anti-dilutive, were 125,000 and 20,000 shares, respectively, of common stock issuable upon exercise of outstanding stock options, 559,976 shares of common stock issuable upon the exercise of a warrant and 437,500 shares of common stock issuable upon conversion of Bancorp’s Series A Preferred Stock.
		Three Months Ended
		March 31,
		2014		2013
	Common shares – weighted average (basic)		10,066,679		10,066,679
	Common share equivalents – weighted average		36,474		33,775
	Common shares – diluted		10,103,153		10,100,454

Guarantees

Guarantees	3 Months Ended
	Mar. 31, 2014
Guarantees [Abstract]	'
Guarantees	'
	Note 6 - Guarantees
	Bancorp does not issue any guarantees that would require liability recognition or disclosure, other than its standby letters of credit.  See Note 10.

Regulatory_Matters

Regulatory Matters	3 Months Ended
	Mar. 31, 2014
Regulatory Matters [Abstract]	'
Regulatory Matters	'
	Note 7 - Regulatory Matters
	The Bank is subject to various regulatory capital requirements administered by the federal banking agencies.  Failure to meet minimum capital requirements can initiate certain mandatory, and possible additional discretionary actions by the regulators that, if undertaken, could have a direct material effect on Bancorp’s consolidated financial statements.  Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Bank must meet specific capital guidelines that involve quantitative measures of the Bank’s assets, liabilities, and certain off-balance sheet items as calculated under regulatory accounting practices.  The Bank’s capital amounts and classifications are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors. The following table presents the Bank’s capital position:
			Actual			Actual			To Be Well Capitalized Under
			at March 31 2014			at December 31, 2013			Prompt Corrective Provisions
	Tangible (1)			13.1	%		12.9	%		N/	A
	Tier 1 Capital (2)			19	%		18.6	%		6	%
	Core (1)			13.1	%		12.9	%		5	%
	Total Capital (2)			20.3	%		19.8	%		10	%
		-1	To adjusted total assets.
		-2	To risk-weighted assets.
	On April 23, 2013, the Bank was notified by the Office of the Comptroller of the Currency (“OCC”) that the OCC established minimum capital ratios for the Bank requiring it to immediately maintain a Tier 1 Leverage Capital Ratio to Adjusted Total Assets of at least 10% and a Total Risk-Based Capital to Risk-Weighted Assets ratio of at least 15%.  The Bank was in compliance with these requirements as of March 31, 2014.
	Federal banking agencies have adopted proposals that will substantially amend the regulatory capital rules applicable to Bancorp and the Bank.  The amendments implement the “Basel III” regulatory capital reforms and changes required by the Dodd-Frank Act.  The amended rules establish new higher capital ratio requirements, narrow the definitions of capital, impose new operating restrictions on banking organizations with insufficient capital buffers and increase the risk weighting of certain assets.  The amended rules will be effective with respect to Bancorp and the Bank in January 2015, with certain requirements to be phased in beginning in 2016.

StockBased_Compensation

Stock-Based Compensation	3 Months Ended
	Mar. 31, 2014
Stock-Based Compensation [Abstract]	'
Stock-Based Compensation	'
	Note 8 - Stock-Based Compensation
	Bancorp has a stock-based compensation plan for directors, officers, and other key employees of Bancorp.  The aggregate number of shares of common stock that may be issued with respect to the awards granted under the plan is 500,000 plus any shares forfeited under Bancorp’s old stock-based compensation plan.  Under the terms of the stock-based compensation plan, Bancorp has the ability to grant various stock compensation incentives, including stock options, stock appreciation rights, and restricted stock.  The stock-based compensation is granted under terms and conditions determined by the Compensation Committee of the Board of Directors.  Under the stock-based compensation plan, stock options generally have a maximum term of ten years, and are granted with an exercise price at least equal to the fair market value of the common stock on the date the options are granted.  Generally, options granted to directors of Bancorp vest immediately, and options granted to officers and employees vest over a five-year period, although the Compensation Committee has the authority to provide for different vesting schedules.
	Bancorp follows FASB ASC 718, “Compensation – Stock Compensation”, to account for stock-based compensation.  FASB ASC 718 requires all share-based payments to employees, including grants of employee stock options, to be recognized as compensation expense in the statement of operations at fair value.  FASB ASC 718 requires an entity to recognize the expense of employee services received in share-based payment transactions and measure the expense based on the grant date fair value of the award.  The expense is recognized over the period during which an employee is required to provide service in exchange for the award.
	The stock-based compensation expense amounts were derived using the Black-Scholes option-pricing model.  The following weighted average assumptions were used to value options granted for the quarter ended March 31, 2013:
	Expected life of options		5.0 years
	Risk-free interest rate		1.48	%
	Expected volatility		70.02	%
	Expected dividend yield Weighted average fair value of		0	%
	options granted	$	2.12
	The expected life of options amount is based on the term of the options granted.  The Risk-free interest rate is based on the US Treasury’s five year Treasury note rate at the time of the option grant.  The expected volatility is based on the closing common stock price of Bancorp over a five year period.  The expected dividend yield is based on Bancorp’s current policy of not paying a common stock dividend.  In addition, option valuation models require the input of highly subjective assumptions including the expected stock price volatility.
	There were no options granted during the three months ended March 31, 2014 and 125,000 options granted during the three months ended March 31, 2013.
	Stock-based compensation expense for the three months ended March 31, 2014 and 2013 totaled $59,000 and $24,000, respectively. There were no options exercised during the three months ended March 31, 2014 or the three months ended March 31, 2013.
	Information regarding Bancorp’s stock-based compensation plan as of and for the three months ended March 31, 2014 is as follows:
		2014
					Weighted Average
		Shares			Price
	Options outstanding, December 31, 2013		319,000		$	4.23
	Options granted		-			-
	Options exercised		-			-
	Options forfeited		(13,400	)	$	3.89
	Options outstanding, March 31, 2014		305,600		$	4.24
	Options exercisable, March 31, 2014		95,688		$	4.09
	The aggregate intrinsic value of the options outstanding as of March 31, 2014 and December 31, 2013 was $142,558 and $187,640, respectively.  The aggregate intrinsic value of the options exercisable as of March 31, 2014 and December 31, 2013 was $48,297 and $58,153, respectively.
	The following table summarizes the nonvested options in Bancorp’s stock option plan as of March 31, 2014.
					Weighted
					Average
					Grant Date
		Shares			Exercise Price
	Nonvested options outstanding, December 31, 2013		236,383		$	4.29
	Nonvested options granted		-			-
	Nonvested options vested		(13,071	)	$	3.96
	Nonvested options forfeited		(13,400	)	$	3.89
	Nonvested options outstanding, March 31, 2014		209,912		$	4.31
	As of March 31, 2014, there was $629,000 of total unrecognized stock-based compensation expense related to nonvested stock options, which is expected to be recognized over a period of fifty-seven months.

Investment_Securities

Investment Securities	3 Months Ended
	Mar. 31, 2014
Investment Securities [Abstract]	'
Investment Securities	'
	Note 9 - Investment Securities
	The amortized cost and fair value of investment securities held to maturity are as follows (dollars in thousands):
		Amortized		Gross		Gross		Fair
		Cost		Unrealized		Unrealized Losses		Value
				Gains
	March 31, 2014:
	US Treasury securities	$	30,210	$	624	$	58	$	30,776
	US Agency securities		11,104		42		33		11,113
	US Government sponsored mortgage-backed securities		2,221		36		1		2,256
	Total	$	43,535	$	702	$	92	$	44,145
	December 31, 2013:
	US Treasury securities	$	31,235	$	665	$	69	$	31,831
	US Agency securities		11,123		44		101		11,066
	US Government sponsored mortgage-backed securities		2,303		27		14		2,316
	Total	$	44,661	$	736	$	184	$	45,213
	As of March 31, 2014 and December 31, 2013, there were $5,256,000 and $3,263,000, respectively, of US Treasury securities or mortgage-backed securities pledged by Bancorp as collateral for borrowers’ letters of credit with Anne Arundel County.
	The following table shows fair value and unrealized losses, aggregated by investment category and length of time that the individual securities have been in a continuous unrealized loss position as of March 31, 2014 and December 31, 2013. Included in the table are seven US Treasury securities, five Agency securities and one Mortgage-backed security in a gross unrealized loss position at March 31, 2014.  Seven US Treasury securities, eight Agency securities and two Mortgage-backed securities were in a gross unrealized loss position at December 31, 2013. Management believes that the unrealized losses in 2014 and 2013 were the result of interest rate levels differing from those existing at the time of purchase of the securities and actual and estimated prepayment speeds.  The Bank does not consider any of these securities to be other than temporarily impaired at March 31, 2014 and December 31, 2013, because the unrealized losses were related primarily to changes in market interest rates and widening of sector spreads and were not necessarily related to the credit quality of the issuers of the securities.
	In addition, the Bank does not intend to sell, nor does it believe it will be more likely than not that it will be required to sell, any impaired securities prior to a recovery of amortized cost.
	The following tables show fair value and unrealized losses, aggregated by investment category and length of time that the individual securities have been in a continuous unrealized loss position as of March 31, 2014 and December 31. 2013.
		Less than 12 months				12 Months or More				Total
				Unrealized				Unrealized				Unrealized
		Fair Value		Losses		Fair Value		Losses		Fair Value		Losses
	March 31, 2014:	(dollars in thousands)
	US Treasury securities	$	6,919	$	58	$	-	$	-	$	6,919	$	58
	US Agency securities		5,017		33		-		-		5,017		33
	US Government sponsored mortgage-backed securities		933		1		-		-		933		1
	Total	$	12,869	$	92	$	-	$	-	$	12,869	$	92
		Less than 12 months				12 Months or More				Total
				Unrealized				Unrealized				Unrealized
		Fair Value		Losses		Fair Value		Losses		Fair Value		Losses
	December 31, 2013:	(dollars in thousands)
	US Treasury securities	$	6,907	$	69	$	-	$	-	$	6,907	$	69
	US Agency securities		7,934		101		-		-		7,934		101
	US Government sponsored mortgage-backed securities		1,931		14		-		-		1,931		14
	Total	$	16,772	$	184	$	-	$	-	$	16,772	$	184
	The amortized cost and estimated fair value of debt securities at March 31, 2014, by contractual maturity are shown in the following table.  Actual maturities may differ from contractual maturities, because issuers may have the right to call or prepay obligations with or without call or prepayment penalties.
		Held to Maturity
		(dollars in thousands)
		Amortized		Estimated
		Cost		Fair Value
	Due in one year or less	$	5,021	$	5,072
	Due from one year to five years		30,394		30,801
	Due from five years to ten years		5,899		6,016
	US Government sponsored mortgage-backed securities		2,221		2,256
		$	43,535	$	44,145

Loans_Receivable

Loans Receivable	3 Months Ended
	Mar. 31, 2014
Loans Receivable, [Abstract]	'
Loans Receivable	'
	Note 10 - Loans Receivable
	Loans receivable, included unfunded commitments consist of the following:
			31-Mar			31-Dec
			2014			2013
			(dollars in thousands)
	Residential mortgage, total		$	265,705		$	258,919
	Individually evaluated for impairment			33,780			35,064
	Collectively evaluated for impairment			231,925			223,855
	Construction, land acquisition and development, total			77,652			75,539
	Individually evaluated for impairment			2,405			2,808
	Collectively evaluated for impairment			75,247			72,731
	Land, total			35,586			34,429
	Individually evaluated for impairment			1,254			1,263
	Collectively evaluated for impairment			34,332			33,166
	Lines of credit, total			19,290			21,598
	Individually evaluated for impairment			454			304
	Collectively evaluated for impairment			18,836			21,294
	Commercial real estate, total			212,318			220,160
	Individually evaluated for impairment			6,705			4,672
	Collectively evaluated for impairment			205,613			215,488
	Commercial non-real estate, total			12,862			8,583
	Individually evaluated for impairment			530			-
	Collectively evaluated for impairment			12,332			8,583
	Home equity, total			29,716			30,339
	Individually evaluated for impairment			1,676			1,777
	Collectively evaluated for impairment			28,040			28,562
	Consumer, total			1,055			1,185
	Individually evaluated for impairment			-			-
	Collectively evaluated for impairment			1,055			1,185
	Total Loans			654,184			650,752
	Less
	Unfunded commitments included above			(36,775	)		(34,069	)
				617,409			616,683
	Individually evaluated for impairment			46,804			45,888
	Collectively evaluated for impairment			570,605			570,795
				617,409			616,683
	Allowance for loan losses			(11,225	)		(11,739	)
	Deferred loan origination fees and costs, net			(2,423	)		(2,131	)
	Net Loans		$	603,761		$	602,813
	The inherent credit risks within the portfolio vary depending upon the loan class as follows:
	Residential mortgage loans are secured by one to four family dwelling units. The loans have limited risk as they are secured by first mortgages on the unit, which are generally the primary residence of the borrower, at a loan to value ratio of 80% or less.
	Construction, land acquisition and development loans are underwritten based upon a financial analysis of the developers and property owners and construction cost estimates, in addition to independent appraisal valuations. These loans will rely on the value associated with the project upon completion. These cost and valuation estimates may be inaccurate. Construction loans generally involve the disbursement of substantial funds over a short period of time with repayment substantially dependent upon the success of the completed project rather than the ability of the borrower or guarantor to repay principal and interest. If the Bank is forced to foreclose on a project prior to or at completion, due to a default, there can be no assurance that the Bank will be able to recover all of the unpaid balance of the loan as well as related foreclosure and holding costs.  In addition, the Bank may be required to fund additional amounts to complete the project and may have to hold the property for an unspecified period of time. Sources of repayment of these loans typically are permanent financing expected to be obtained upon completion or sales of developed property. These loans are closely monitored by onsite inspections and are considered to be of a higher risk than other real estate loans due to their ultimate repayment being sensitive to general economic conditions, availability of long-term financing, interest rate sensitivity, and governmental regulation of real property.
	Land loans are underwritten based upon the independent appraisal valuations as well as the estimated value associated with the land upon completion of development. These cost and valuation estimates may be inaccurate. These loans are considered to be of a higher risk than other real estate loans due to their ultimate repayment being sensitive to general economic conditions, availability of long-term financing, interest rate sensitivity, and governmental regulation of real property.
	Line of credit loans are subject to the underwriting standards and processes similar to commercial non-real estate loans, in addition to those underwriting standards for real estate loans. These loans are viewed primarily as cash flow dependent and secondarily as loans secured by real-estate and/or other assets. Repayment of these loans is generally dependent upon the successful operation of the property securing the loan or the principal business conducted on the property securing the loan. Line of credit loans may be adversely affected by conditions in the real estate markets or the economy in general. Management monitors and evaluates line of credit loans based on collateral and risk-rating criteria.
	Commercial real estate loans are subject to the underwriting standards and processes similar to commercial and industrial loans, in addition to those underwriting standards for real-estate loans. These loans are viewed primarily as cash flow dependent and secondarily as loans secured by real estate. Repayment of these loans is generally dependent upon the successful operation of the property securing the loan or the principal business conducted on the property securing the loan. Commercial real estate loans may be adversely affected by conditions in the real estate markets or the economy in general. Management monitors and evaluates commercial real estate loans based on collateral and risk-rating criteria. The Bank also utilizes third-party experts to provide environmental and market valuations. The nature of commercial real estate loans makes them more difficult to monitor and evaluate.
	Commercial non-real estate loans are underwritten after evaluating historical and projected profitability and cash flow to determine the borrower's ability to repay their obligation as agreed. Commercial and industrial loans are made primarily based on the identified cash flow of the borrower and secondarily on the underlying collateral supporting the loan facility. Accordingly, the repayment of a commercial and industrial loan depends primarily on the creditworthiness of the borrower (and any guarantors), while liquidation of collateral is a secondary and often insufficient source of repayment.
	Home equity loans are subject to the underwriting standards and processes similar to residential mortgages and are secured by one to four family dwelling units. Home equity loans have greater risk than residential mortgages as a result of the Bank being in a second lien position in the event collateral is liquidated.
	Consumer loans consist of loans to individuals through the Bank's retail network and are typically unsecured or secured by personal property. Consumer loans have a greater credit risk than residential loans because of the difference in the underlying collateral, if any. The application of various federal and state bankruptcy and insolvency laws may limit the amount that can be recovered on such loans.
	The loan portfolio segments and loan classes disclosed above are the same because this is the level of detail management uses when the original loan is recorded and is the level of detail used by management to assess and monitor the risk and performance of the portfolio.  Management has determined that this level of detail is adequate to understand and manage the inherent risks within each portfolio segment and loan class.
	Allowance for Loan Losses - An allowance for loan losses is provided through charges to income in an amount that management believes will be adequate to absorb losses on existing loans that may become uncollectible, based on evaluations of the collectability of loans and prior loan loss experience.  The evaluations take into consideration such factors as changes in the nature and volume of the loan portfolio, overall portfolio quality, review of specific problem loans, and current economic conditions that may affect the borrowers' ability to pay.  Determining the amount of the allowance for loan losses requires the use of estimates and assumptions, which is permitted under GAAP. Actual results could differ significantly from those estimates.  Management believes the allowance for losses on loans is adequate. While management uses available information to estimate losses on loans, future additions to the allowances may be necessary based on changes in economic conditions, particularly in the state of Maryland.  In addition, various regulatory agencies, periodically review the Bank's allowance for losses on loans as an integral part of their examination process.  Such agencies may require the Bank to recognize additions to the allowance based on their judgments about information available to them at the time of their examination.
	The allowance consists of specific and general components.  The specific component relates to loans that are classified as impaired.  When a real estate secured loan becomes impaired, a decision is made as to whether an updated certified appraisal of the real estate is necessary.  This decision is based on various considerations, including the age of the most recent appraisal, the loan-to-value ratio based on the original appraisal and the condition of the property.  Appraised values are discounted to arrive at the estimated selling price of the collateral, which is considered to be the estimated fair value.  The discounts also include estimated costs to sell the property.
	For loans secured by non-real estate collateral, such as accounts receivable, inventory and equipment, estimated fair values are determined based on the borrower’s financial statements, inventory reports, accounts receivable aging or equipment appraisals or invoices.  Indications of value from these sources are generally discounted based on the age of the financial information or the quality of the assets.
	For such loans that are classified as impaired, an allowance is established when the current market value of the underlying collateral less its estimated disposal costs is lower than the carrying value of that loan.  For loans
	that are not solely collateral dependent, an allowance is established when the present value of the expected future cash flows of the impaired loan is lower than the carrying value of that loan.  The general component relates to loans that are classified as doubtful, substandard or special mention that are not considered impaired, as well as non-classified loans. The general reserve is based on historical loss experience adjusted for qualitative factors. These qualitative factors include:
	·	Levels and trends in delinquencies and nonaccruals;
	·	Inherent risk in the loan portfolio;
	·	Trends in volume and terms of the loan;
	·	Effects of any change in lending policies and procedures;
	·	Experience, ability and depth of management;
	·	National and local economic trends and conditions;
	·	Effect of any changes in concentration of credit; and
	·	Industry conditions.
	A loan is considered impaired if it meets either of the following two criteria:
·	Loans that are 90 days or more in arrears (nonaccrual loans); or
·	Loans where, based on current information and events, it is probable that a borrower will be unable to pay all amounts due according to the contractual terms of the loan agreement.
Credit quality risk ratings include regulatory classifications of special mention, substandard, doubtful and loss.  Loans classified special mention have potential weaknesses that deserve management’s close attention.  If uncorrected, the potential weaknesses may result in deterioration of the repayment prospects.  Loans classified substandard have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt.  They include loans that are inadequately protected by the current sound net worth and paying capacity of the obligor or of the collateral pledged, if any.  Loans classified doubtful have all the weaknesses inherent in loans classified substandard with the added characteristic that collection or liquidation in full, on the basis of current conditions and facts, is highly improbable.  Loans classified as a loss are considered uncollectible and are charged to the allowance for loan losses.  Loans not classified are rated pass.
A loan is considered a troubled debt restructuring when for economic or legal reasons relating to the borrowers financial difficulties Bancorp grants a concession to the borrower that it would not otherwise consider.  Loan modifications made with terms consistent with current market conditions that the borrower could obtain in the open market are not considered troubled debt restructurings.
Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired.  Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record, and the amount of the shortfall in relation to the principal and interest owed.
With respect to all loan segments, management does not charge off a loan, or a portion of a loan, until one of the following conditions have been met:
·	The loan has been foreclosed on. Once the loan has been transferred from the Loans Receivable to Foreclosed Real Estate, a charge off is recorded for the difference between the recorded amount of the loan and the net value of the underlying collateral.
·	An agreement to accept less than the recorded balance of the loan has been made with the borrower.  Once an agreement has been finalized, and any proceeds from the borrower are received, a charge off is recorded for the difference between the recorded amount of the loan and the net value of the underlying collateral.
·	The loan is considered to be impaired collateral dependent and its collateral valuation is less than the recorded balance.  The loan is written down for accounting purposes by the amount of the difference between the recorded balance and collateral value.
Prior to the above conditions, a loan is assessed for impairment when: (i) a loan becomes 90 days or more in arrears or (ii) based on current information and events, it is probable that the borrower will be unable to pay all amounts due according to the contractual terms of the loan agreement.  If a loan is considered to be impaired, it is then determined to be either cash flow or collateral dependent. For a cash flow dependent loan, if based on management’s calculation of discounted cash flows, a reserve is needed, a specific reserve is recorded.  That reserve is included in the Allowance for Loan Losses in the Consolidated Statement of Financial Condition.
Over the last several years, Bancorp has experienced an increase in the number of extension requests for commercial real estate and construction loans, some of which have related repayment guarantees. An extension may be granted to allow for the completion of the project, marketing or sales of completed units, or to provide for permanent financing, and is based on a re-underwriting of the loan and management's assessment of the borrower's ability to perform according to the agreed-upon terms. Typically, at the time of an extension, borrowers are performing in accordance with contractual loan terms. Extension terms generally do not exceed 12 to 18 months and typically require that the borrower provide additional economic support in the form of partial repayment, additional collateral or guarantees. In cases where the fair value of the collateral or the financial resources of the borrower are deemed insufficient to repay the loan, reliance may be placed on the support of a guarantee, if applicable. However, such guarantees are not relied on when evaluating a loan for impairment and never considered the sole source of repayment.
Bancorp evaluates the financial condition of guarantors based on the most current financial information available. Most often, such information takes the form of (i) personal financial statements of net worth, cash flow statements and tax returns (for individual guarantors) and (ii) financial and operating statements, tax returns and financial projections (for legal entity guarantors). Bancorp’s evaluation is primarily focused on various key financial metrics, including net worth, leverage ratios, and liquidity. It is Bancorp's policy to update such information annually, or more frequently as warranted, over the life of the loan.
While Bancorp does not specifically track the frequency with which it has pursued guarantor performance under a guarantee, its underwriting process, both at origination and upon extension, as applicable, includes an assessment of the guarantor's reputation, creditworthiness and willingness to perform. Historically, when Bancorp has found it necessary to seek performance under a guarantee, it has been able to effectively mitigate its losses. As stated above, Bancorp’s ability to seek performance under a guarantee is directly related to the guarantor's reputation, creditworthiness and willingness to perform. When a loan becomes impaired, repayment is sought from both the underlying collateral and the guarantor (as applicable). In the event that the guarantor is unwilling or unable to perform, a legal remedy is pursued.
Construction loans are funded, at the request of the borrower, typically not more than once per month, based on the extent of work completed, and are monitored, throughout the life of the project, by independent professional construction inspectors and Bancorp's commercial real estate lending department. Interest is advanced to the borrower, upon request, based upon the progress of the project toward completion. The amount of interest advanced is added to the total outstanding principal under the loan commitment. Should the project not progress as scheduled, the adequacy of the interest reserve necessary to carry the project through to completion is subject to close monitoring by management. Should the interest reserve be deemed to be inadequate, the borrower is required to fund the deficiency. Similarly, once a loan is fully funded, the borrower is required to fund all interest payments.
Construction loans are reviewed for extensions upon expiration of the loan term. Provided the loan is performing in accordance with contractual terms, extensions may be granted to allow for the completion of the project, marketing or sales of completed units, or to provide for permanent financing. Extension terms generally do not exceed 12 to 18 months.
In general, Bancorp's construction loans are used to finance improvements to commercial, industrial or residential property. Repayment is typically derived from the sale of the property as a whole, the sale of smaller individual units, or by a take-out from a permanent mortgage. The term of the construction period generally does not exceed two years. Loan commitments are based on established construction budgets which represent an estimate of total costs to complete the proposed project including both hard (direct) costs (building materials, labor, etc.) and soft (indirect) costs (legal and architectural fees, etc.). In addition, project costs may include an appropriate level of interest reserve to carry the project through to completion. If established, such interest reserves are determined based on (i) a percentage of the committed loan amount, (ii) the loan term, and (iii) the applicable interest rate. Regardless of whether a loan contains an interest reserve, the total project cost statement serves as the basis for underwriting and determining which items will be funded by the loan and which items will be funded through borrower equity. Bancorp has not advanced additional interest reserves to keep a loan from becoming nonperforming.
Bancorp recognized $5,000 and $10,000 of interest income and capitalized interest in its loan portfolio from interest reserves during the three months ended March 31, 2014 and 2013, respectively.  None of the loans where interest reserves were recorded as capitalized interest were non-performing.
The following is a summary of the allowance for loan losses for the three month periods ended March 31, 2014 and 2013 (dollars in thousands):
								Construction
								Acquisition												Commercial Non-Real Estate
		Total			Residential Mortgage			Development			Land			Lines of Credit			Commercial Real Estate						Home Equity			Consumer
Three months March 2014
Beginning Balance		$	11,739		$	6,282		$	411		$	1,345		$	35		$	2,527		$	135		$	1,002		$	2
Provision			200			(161	)		196			(176	)		2			349			43			(53	)		-
Charge-offs			(752	)		(587	)		-			-			-			-			(1	)		(164	)		-
Recoveries			38			11			-			-			-			25			2			-			-
Ending Balance		$	11,225		$	5,545		$	607		$	1,169		$	37		$	2,901		$	179		$	785		$	2
Ending balance related to:
Loans individually evaluated for impairment		$	2,546		$	2,245		$	-		$	64		$	-		$	237		$	-		$	-		$	-
Loans collectively evaluated for impairment		$	8,679		$	3,300		$	607		$	1,105		$	37		$	2,664		$	179		$	785		$	2
Three months March  2013
Beginning Balance		$	17,478		$	8,418		$	2,120		$	2,245		$	87		$	3,295		$	46		$	1,254		$	13
Provision			320			(234	)		190			547			(60	)		(223	)		285			(204	)		19
Charge-offs			(2,386	)		(1,174	)		(450	)		(357	)		-			(105	)		(109	)		(159	)		(32	)
Recoveries			53			40			-			-			13			-			-			-			-
Ending Balance		$	15,465		$	7,050		$	1,860		$	2,435		$	40		$	2,967		$	222		$	891		$	-
Ending balance related to:
Loans individually evaluated for impairment		$	6,899		$	3,318		$	1,460		$	1,199		$	32		$	806		$	-		$	84		$	-
Loans collectively evaluated for impairment		$	8,566		$	3,732		$	400		$	1,236		$	8		$	2,161		$	222		$	807		$	-
The accrual of interest on loans is discontinued at the time the loan is 90 days past due.  Past due status is based on contractual terms of the loan.  In all cases, loans are placed on non-accrual or charged-off at an earlier date if collection of principal or interest is considered doubtful.
All interest accrued but not collected for loans that are placed on non-accrual or charged-off is reversed against interest income.  The interest on these loans is accounted for on the cash-basis or cost-recovery method, until qualifying for return to accrual.  Loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured. Bancorp’s policy for recording payments received on non-accrual financing receivables is to record the payment towards principal and interest on a cash basis until such time as the loan is returned to accrual status.
The following tables summarize impaired loans at March 31, 2014 and December 31, 2013 (dollars in thousands):
		Impaired Loans with						Impaired
		Specific Allowance						Loans with			Total Impaired Loans
								No Specific Allowance
														Unpaid
		Recorded			Related			Recorded			Recorded			Principal
		Investment			Allowance			Investment			Investment			Balance
31-Mar-14
Residential mortgage		$	14,997		$	2,245		$	18,783		$	33,780		$	35,148
Construction, acquisition and development			-			-			2,405			2,405			3,050
Land			361			64			893			1,254			1,372
Lines of credit			-			-			454			454			545
Commercial real estate			2,078			237			4,627			6,705			6,732
Commercial non-real estate			-			-			530			530			530
Home equity			-			-			1,676			1,676			2,302
Consumer			-			-			-			-			-
Total impaired loans		$	17,436		$	2,546		$	29,368		$	46,804		$	49,679
		Impaired Loans with						Impaired
		Specific Allowance						Loans with			Total Impaired Loans
								No Specific Allowance
														Unpaid
		Recorded			Related			Recorded			Recorded			Principal
		Investment			Allowance			Investment			Investment			Balance
31-Dec-13
Residential mortgage		$	16,910		$	2,749		$	18,154		$	35,064		$	39,149
Construction, acquisition and development			-			-			2,808			2,808			3,453
Land			363			67			900			1,263			1,380
Lines of credit			-			-			304			304			395
Commercial real estate			2,092			241			2,580			4,672			4,685
Commercial non-real estate			-			-			-			-			-
Home equity			491			246			1,286			1,777			2,239
Consumer			-			-			-			-			-
Total impaired loans		$	19,856		$	3,303		$	26,032		$	45,888		$	51,301
The following tables summarize average impaired loans for the three month periods ended March 31, 2014 and 2013 (dollars in thousands):
		Impaired Loans with						Impaired Loans with No
		Specific Allowance						Specific Allowance						Total Impaired Loans
		Average			Interest			Average			Interest			Average			Interest
		Recorded			Income			Recorded			Income			Recorded			Income
		Investment			Recognized			Investment			Recognized			Investment			Recognized
Three months ended March 31, 2014
Residential mortgage		$	15,076		$	167		$	18,702		$	225		$	33,778		$	392
Construction, acquisition and development			-			-			2,735			19			2,735			19
Land			362			3			1,187			14			1,549			17
Lines of credit			-			-			1,937			20			1,937			20
Commercial real estate			2,083			29			4,157			68			6,240			97
Commercial non-real estate			-			-			530			7			530			7
Home equity			-			-			1,732			15			1,732			15
Consumer			-			-			-			-			-			-
Total impaired loans			17,521		$	199		$	30,980		$	368		$	48,501		$	567
		Impaired Loans with						Impaired Loans with No
		Specific Allowance						Specific Allowance						Total Impaired Loans
		Average			Interest			Average			Interest			Average			Interest
		Recorded			Income			Recorded			Income			Recorded			Income
		Investment			Recognized			Investment			Recognized			Investment			Recognized
Three months ended March 31, 2013
Residential mortgage		$	26,669		$	255		$	14,336		$	121		$	41,005		$	376
Construction, acquisition and development			7,876			44			3,984			39			11,860			83
Land			3,884			35			6,230			27			10,114			62
Lines of credit			149			2			1,822			1			1,971			3
Commercial real estate			6,414			69			7,822			65			14,236			134
Commercial non-real estate			-			-			-			-			-			-
Home equity			1,086			1			473			5			1,559			6
Consumer			-			-			20			-			20			-
Total impaired loans		$	46,078		$	406		$	34,687		$	258		$	80,765		$	664
Bancorp recognized $567,000 and $664,000 of interest income on impaired loans using a cash-basis method of accounting for the three months ended March 31, 2014 and 2013, respectively. Bancorp did not record any interest income attributable to the change in present value attributable to the passage of time.  Bancorp evaluates its impaired loans and assesses them based on either discounted cash flows or if it deems its loans to be collateral based, assesses impairment based on the net value of the underlying collateral.
Included in the above impaired loans amount at March 31, 2014 was $34,237,000 of loans that are not in non-accrual status.  In addition, there was a total of $33,780,000 of residential real estate loans included in impaired loans at March 31, 2014, of which $28,176,000 were to consumers and $5,604,000 to builders. The collateral supporting impaired collateral dependent loans is individually reviewed by management to determine its estimated fair market value, less estimated disposal cost and a charge off is taken, if necessary, for the difference between the carrying amount of any loan and the estimated fair value of the collateral less estimated disposal cost.
The following table presents the classes of the loan portfolio summarized by the aggregate Pass and the criticized categories of Special Mention, Substandard and Doubtful within the internal risk rating system as of March 31, 2014 and December 31, 2013.  Included in the Pass column were $36,775,000 and $34,069,000 in unfunded commitments at March 31, 2014 and December 31, 2013, respectively (dollars in thousands):
		Pass			Special Mention			Substandard						Total
											Doubtful
31-Mar-14
Residential mortgage		$	248,242		$	1,124		$	16,339		$	-		$	265,705
Construction, acquisition and development			73,853			-			3,799			-			77,652
Land			34,961			-			625			-			35,586
Lines of credit			16,471			-			2,819			-			19,290
Commercial real estate			195,013			2,698			14,607			-			212,318
Commercial non-real estate			12,337			518			7			-			12,862
Home equity			28,011			-			1,705			-			29,716
Consumer			176			-			879			-			1,055
Total loans		$	609,064		$	4,340		$	40,780		$	-		$	654,184
					Special Mention
		Pass						Substandard			Doubtful			Total
31-Dec-13
Residential mortgage		$	240,325		$	3,454		$	15,140		$	-		$	258,919
Construction, acquisition and development			72,104			250			3,185			-			75,539
Land			33,804			480			145			-			34,429
Lines of credit			19,152			568			1,878			-			21,598
Commercial real estate			205,063			6,775			8,322			-			220,160
Commercial non-real estate			8,583			-			-			-			8,583
Home equity			28,447			115			1,777			-			30,339
Consumer			299			-			886			-			1,185
Total loans		$	607,777		$	11,642		$	31,333		$	-		$	650,752
Management further monitors the performance and credit quality of the loan portfolio by analyzing the age of the portfolio as determined by the length of time a recorded payment is past due.  Included in the Current column were $36,775,000 and $34,069,000 in unfunded commitments at March 31, 2014 and December 31, 2013, respectively. The following table presents the classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans as of March 31, 2014 and December 31, 2013 (dollars in thousands):
		30-59			60-89			90+			Total									Non-
		Days			Days			Days			Past Due			Current			Total			Accrual
		Past Due			Past Due			Past Due									Loans
31-Mar-14
Residential mortgage		$	3,429		$	815		$	5,562		$	9,806		$	255,899		$	265,705		$	6,225
Construction, acquisition and development			-			-			780			780			76,872			77,652			780
Land			-			-			182			182			35,404			35,586			182
Lines of credit			216			-			238			454			18,836			19,290			454
Commercial real estate			-			26			1,144			1,170			211,148			212,318			1,144
Commercial non-real estate			2,294			-			-			2,294			10,568			12,862			2,294
Home equity			830			71			587			1,488			28,228			29,716			1,488
Consumer			-			-			-			-			1,055			1,055			-
Total loans		$	6,769		$	912		$	8,493		$	16,174		$	638,010		$	654,184		$	12,567
		30-59			60-89			90+			Total									Non-
		Days Past			Days Past			Days Past			Past Due			Current			Total			Accrual
		Due			Due			Due									Loans
31-Dec-13
Residential mortgage		$	3,644		$	4,471		$	5,506		$	13,621		$	245,298		$	258,919		$	6,802
Construction, acquisition and development			-			-			814			814			74,725			75,539			814
Land			29			-			183			212			34,217			34,429			183
Lines of credit			419			-			66			485			21,113			21,598			304
Commercial real estate			724			28			851			1,603			218,557			220,160			1,155
Commercial non-real estate			1			-			-			1			8,582			8,583			-
Home equity			1,199			138			607			1,944			28,395			30,339			1,777
Consumer			1			-						1			1,184			1,185			-
Total loans		$	6,017		$	4,637		$	8,027		$	18,681		$	632,071		$	650,752		$	11,035
Bancorp does not have any greater than 90 days and still accruing loans as of the periods ended March 31, 2014 and December 31, 2013.
Bancorp offers a variety of modifications to borrowers.  The modification categories offered can generally be described in the following categories:
·	Rate Modification – A modification in which the interest rate is changed.
·	Term Modification – A modification in which the maturity date, timing of payments or frequency of payments is changed.
·	Interest Only Modification – A modification in which the loan is converted to interest only payments for a period of time.
·	Payment Modification – A modification in which the dollar amount of the payment is changed, other than an interest only modification above.
·	Loan Balance Modification – A modification in which a portion of the outstanding loan balance is forgiven.
·	Combination Modification – Any other type of modification, including the use of multiple categories above.
Bancorp has not purchased, sold or reclassified any loans to held for sale during the periods discussed.  Only loans originated specifically for sale are recorded as held for sale at the period ended March 31, 2014 and December 31, 2013.
Bancorp considers a modification of a loan term a troubled debt restructuring or “TDR” if Bancorp for economic or legal reasons related to the borrower’s financial difficulties grants a concession to the debtor that it would not otherwise consider.  Prior to entering into a loan modification, Bancorp assesses the borrower’s financial condition to determine if the borrower has the means to meet the terms of the modification.  This includes obtaining a credit report on the borrower as well as the borrower’s tax returns and financial statements.
In the first quarter of 2014 there were no TDR’s that subsequently defaulted during the 12 month period ended March 31, 2014 compared to the first quarter of 2013 were there were 4 residential loans that subsequently defaulted during the12 month period ended March 31, 2013.
The pre-modification balance of the 4 defaulted loans on March 31, 2013 was $1,757,000 and the post-modification balance for the same loans was $1,050,000.
The following table presents newly restructured loans that occurred during the three months ended March 31, 2014 (dollars in thousands):
		Three months ended March 31, 2014
		Rate						Combination									Total
		Modification			Contracts			Modifications			Contracts			Total			Contracts
Pre-Modification Outstanding Recorded Investment:
Residential mortgage			-			-		$	598			2		$	598			2
Construction, acquisition and
development			-			-			-			-			-			-
Land			-			-			-			-			-			-
Lines of credit			-			-			-			-			-			-
Commercial real estate			-			-			351			1			351			1
Commercial non-real estate			-			-			-			-			-			-
Home equity			-			-			-			-			-			-
Consumer			-			-			-			-			-			-
Total loans			-			-		$	949			3		$	949			3
Post-Modification Outstanding Recorded Investment:
Residential mortgage			-			-		$	446			2		$	446			2
Construction, acquisition and
development			-			-			-			-			-			-
Land			-			-			-			-			-			-
Lines of credit			-			-			-			-			-			-
Commercial real estate			-			-			345			1			345			1
Commercial non-real estate			-			-			-			-			-			-
Home equity			-			-			-			-			-			-
Consumer			-			-			-			-			-			-
Total loans			-			-		$	791			3		$	791			3
The following table presents restructured loans that occurred during the three months ended March 31, 2013 (dollars in thousands):
		Three months ended March 31, 2013
		Rate Modification			Contracts			Combination Modifications			Contracts			Total			Total Contracts
Pre-Modification Outstanding Recorded Investment:
Residential mortgage			-			-		$	3,115			5		$	3,115			5
Construction, acquisition and development			-			-			-			-			-			-
Land			-			-			-			-			-			-
Lines of credit			-			-			-			-			-			-
Commercial real estate			-			-			-			-			-			-
Commercial non-real estate			-			-			-			-			-			-
Home equity			-			-			-			-			-			-
Consumer			-			-			-			-			-			-
Total loans			-			-		$	3,115			5		$	3,115			5
Post-Modification Outstanding Recorded Investment:
Residential mortgage			-			-		$	2,401			5		$	2,401			5
Construction, acquisition and development			-			-			-			-			-			-
Land			-			-			-			-			-			-
Lines of credit			-			-			-			-			-			-
Commercial real estate			-			-			-			-			-			-
Commercial non-real estate			-			-			-			-			-			-
Home equity			-			-			-			-			-			-
Consumer			-			-			-			-			-			-
Total loans			-			-		$	2,401			5		$	2,401			5
In addition, the TDR is evaluated for impairment.  A determination is made as to whether an impaired TDR is cash flow or collateral dependent.  If the TDR is cash flow dependent, an allowance for loan losses specific reserve is calculated based on the difference in net present value of future cash flows between the original and modified loan terms.  If the TDR is collateral dependent, the collateral securing the TDR, which is always real estate, is evaluated for impairment based on either an appraisal or broker price opinion.  If a TDR’s collateral valuation is less than its current loan balance, the TDR is written down for accounting purposes by the amount of the difference between the current loan balance and the collateral value.  If the borrower performs under the terms of the modification, generally six consecutive months, and the ultimate collectability of all amounts contractually due under the modified terms is not in doubt, the loan is returned to accrual status.  There are no loans that have been modified due to the financial difficulties of the borrower that are not considered a TDR.  There were no TDR defaults during the quarters ended March 31, 2014 and 2013.
Interest on TDRs was accounted for under the following methods as of March 31, 2014 and December 31, 2013 (dollars in thousands):
											Non-			Total
		Number of			Accrual			Number			Accrual			Number of			Total
		Contracts			Status			of Contracts			Status			Contracts			Modifications
31-Mar-14
Residential mortgage			67		$	27,622			5		$	881			72		$	28,503
Construction, acquisition and development			2			1,626			1			670			3			2,296
Land			5			941			1			6			6			947
Lines of credit			-			-			-			-			-			-
Commercial real estate			5			3,832			2			461			7			4,293
Commercial non-real estate			-			-			-			-			-			-
Home equity			-			-			-			-			-			-
Consumer			-			-			-			-			-			-
Total loans			79		$	34,021			9		$	2,018			88		$	36,039
31-Dec-13
Residential mortgage			66		$	28,966			5		$	856			71		$	29,822
Construction, acquisition and development			3			1,994			1			705			4			2,699
Land			5			1,080			2			6			7			1,086
Lines of credit			-			-			-			-			-			-
Commercial real estate			5			3,199			1			112			6			3,311
Commercial non-real estate			-			-			-			-			-			-
Home equity			-			-			-			-			-			-
Consumer			-			-			-			-			-			-
Total loans			79		$	35,239			9		$	1,679			88		$	36,918
Unless otherwise noted, the Bank requires collateral or other security to support financial instruments with off-balance-sheet credit risk (dollars in thousands).
Financial Instruments Whose Contract		Contract Amount At
Amounts Represent Credit Risk		31-Mar-14			31-Dec-13
Standby letters of credit		$	13,979		$	14,719
Home equity lines of credit			12,168			12,345
Unadvanced construction commitments			36,598			34,023
Mortgage loan commitments			5,265			4,193
Lines of credit			24,887			30,965
Loans sold with limited repurchase provisions			19,216			28,134
Standby letters of credit are conditional commitments issued by the Bank guaranteeing performance by a customer to various municipalities. These guarantees are issued primarily to support performance arrangements, limited to real estate transactions.  The majority of these standby letters of credit expire within the next twelve months.  The credit risk involved in issuing letters of credit is essentially the same as that involved in extending other loan commitments.  The Bank requires collateral supporting these letters of credit as deemed necessary.  Management believes that the proceeds obtained through a liquidation of such collateral would be sufficient to cover the maximum potential amount of future payments required under the corresponding guarantees.  The current amount of the liability as of March 31, 2014 and December 31, 2013 for guarantees under standby letters of credit issued is not material.
Home equity lines of credit are loan commitments to individuals as long as there is no violation of any condition established in the contract. Commitments under home equity lines expire ten years after the date the loan closes and are secured by real estate. The Bank evaluates each customer's credit worthiness on a case-by-case basis.
Unadvanced construction commitments are loan commitments made to borrowers for both residential and commercial projects that are either in process or are expected to begin construction shortly.
Mortgage loan commitments not reflected in the accompanying statements of financial condition at March 31, 2014 included $5,165,000 at a fixed range of 3.250% to 4.75% and $100,000 at floating rates and at December 31, 2013 included $4,193,000 at a fixed interest rate range of 3.625% to 5.250% and none at floating interest rates.
Lines of credit are loan commitments to individuals and companies as long as there is no violation of any condition established in the contract. Lines of credit have a fixed expiration date. The Bank evaluates each customer's credit worthiness on a case-by-case basis.
The Bank has entered into several agreements to sell mortgage loans to third parties. The loans sold under these agreements for the three month period ended March 31, 2014 and year ended December 31, 2013 were $18,193,000 and $116,788,000, respectively. These agreements contain limited provisions that require the Bank to repurchase a loan if the loan becomes delinquent within the terms specified by the agreement. The credit risk involved in these financial instruments is essentially the same as that involved in extending loan facilities to customers.
No amount was recognized in the consolidated statement of financial condition at March 31, 2014 and December 31, 2013 as a liability for credit loss related to these loans.

Fair_Value_of_Financial_Instru

Fair Value of Financial Instruments	3 Months Ended
	Mar. 31, 2014
Fair Value of Financial Instruments [Abstract]	'
Fair Value of Financial Instruments	'
	Note 11 - Fair Values of Financial Instruments
	A fair value hierarchy that prioritizes the inputs to valuation methods is used to measure fair value.  The hierarchy gives the highest priority to unadjusted quoted prices in active markets for identical assets or liabilities (Level 1 measurements) and the lowest priority to unobservable inputs (Level 3 measurements).  The three levels of the fair market hierarchy are as follows:
	Level 1: Unadjusted quoted prices in active markets that are accessible at the measurement date for identical, unrestricted assets or liabilities.
	Level 2:  Quoted prices in markets that are not active, or inputs that are observable either directly or indirectly, for substantially the full term of the asset or liability.
	Level 3:  Prices or valuation techniques that require inputs that are both significant to the fair value measurement and unobservable (i.e. supported with little or no market activity).
	An asset or liability’s level within the fair value hierarchy is based on the lowest level of input that is significant to the fair value measurement.
	The following information should not be interpreted as an estimate of the fair value of Bancorp since a fair value calculation is only provided for a limited portion of Bancorp’s assets and liabilities.  Due to a wide range of valuation techniques and the degree of subjectivity used in making the estimates, comparisons between Bancorp’s disclosures and those of other companies may not be meaningful.  The following methods and assumptions were used to estimate the fair values of Bancorp’s financial instruments at March 31, 2014 and December 31, 2013.
	Impaired Loans:
	Impaired loans are carried at the lower of cost or the present value of expected future cash flows of the loan.  If it is determined that the repayment of the loan will be provided solely by the underlying collateral, and there are no other available and reliable sources of repayment, the loan is considered collateral dependent.  Impaired loans that are considered collateral dependent are carried at the lower of cost or the fair value of the underlying collateral.  Collateral may be in the form of real estate or business assets including equipment, inventory and accounts receivable.  The use of independent appraisals and management’s best judgment are significant inputs in arriving at the fair value measure of the underlying collateral and impaired loans are therefore classified within level 3 of the fair value hierarchy.
	For such loans that are classified as impaired, an allowance is established when the present value of the expected future cash flows of the impaired loan is lower than the carrying value of that loan.  For such loans that are classified as collateral dependent impaired loans, an allowance is established when the current market value of the underlying collateral less its estimated disposal costs has not been finalized, but management determines that it is likely that the value is lower than the carrying value of that loan.  Once the net collateral value has been determined, a charge-off is taken for the difference between the net collateral value and the carrying value of the loan.
	Impaired loans are those for which Bancorp has measured impairment based on the present value of expected future cash flows or on the fair value of the loan’s collateral.  Fair value is generally determined based upon independent third-party appraisals of the properties, or discounted cash flows based upon the expected proceeds.  These assets are included as Level 3 fair values, based upon the lowest level of input that is significant to the fair value measurements. The fair value consisted of the loan balances of $17,436,000 and $19,856,000 at March 31, 2014 and December 31, 2013, respectively, less their valuation allowances of $2,546,000 and $3,303,000 at March 31, 2014 and December 31, 2013, respectively.
	Foreclosed Real Estate:
	Real estate acquired through foreclosure is included in the following disclosure at the lower of carrying value or fair value less estimated disposal costs. Management periodically evaluates the recoverability of the carrying value of the real estate acquired through foreclosure using current estimates of fair value. In the event of a subsequent decline, management provides a specific allowance to reduce real estate acquired through foreclosure to fair value less estimated disposal cost. Expenses incurred on foreclosed real estate prior to disposition are charged to expense. Gains or losses on the sale of foreclosed real estate are recognized upon disposition of the property.
	The following table sets forth financial assets that were accounted for at fair value on a nonrecurring and recurring basis by level within the fair value hierarchy as of March, 31, 2014 and December 31, 2013:
						31-Mar-14
						Fair Value Measurement Using:
			31-Mar-14			Quoted Prices in				Significant Other		Significant Unobservable
						Active Markets				Observable		Inputs
						For Identical				Inputs		(Level 3)
						Assets				(Level 2)
						(Level 1)
			(dollars in thousands)
	Nonrecurring fair value measurements
	Impaired loans		$	14,890		$	-			$	-	$	14,890
	Foreclosed real estate			4,846			-				-		4,846
	Total nonrecurring fair value measurements		$	19,736		$	-			$	-	$	19,736
	Recurring fair value measurements
	Mortgage servicing rights		$	724								$	724
						31-Dec-13
						Fair Value Measurement Using:
			31-Dec-13			Quoted Prices in				Significant Other		Significant Unobservable
						Active Markets				Observable		Inputs
						For Identical				Inputs		(Level 3)
						Assets				(Level 2)
						(Level 1)
			(dollars in thousands)
	Nonrecurring fair value measurements
	Impaired loans		$	16,553		$	-			$	-	$	16,553
	Foreclosed real estate			8,972			-				-		8,972
	Total nonrecurring fair value measurements		$	25,525		$	-			$	-	$	25,525
	Recurring fair value measurements
	Mortgage servicing rights		$	723								$	723
	There were no liabilities that were required to be re-measured on a nonrecurring basis at March 31, 2014 or December 31, 2013.
	The following table presents additional quantitative information about assets measured at fair value on a recurring basis and for which Bancorp has utilized Level 3 inputs to determine fair value:
			Quantitative Information about Level 3 Fair Value Measurements
			Fair Value		Valuation	Unobservable Input		Range (Weighted
			Estimate		Techniques			Average)
	31-Mar-14
	Mortgage servicing rights		$	724	Market approach	Weighted average prepayment speed			8.1	%
	31-Dec-13
	Mortgage servicing rights		$	723	Market approach	Weighted average prepayment speed			8.3	%
	All appraisals are reviewed by the credit department; however, no modifications or adjustments are made to the appraisals received.
	The following table presents additional quantitative information about assets measured at fair value on a nonrecurring basis and for which Bancorp has utilized Level 3 inputs to determine fair value:
			Quantitative Information about Level 3 Fair Value Measurements
			Fair Value		Valuation	Unobservable Input		Range (Weighted
			Estimate		Techniques			Average)
	31-Mar-14
	Impaired loans		$	13,888	PV of future cash flows (1)	Discount rate			-6.00%
			$	1,002	Appraisal of collateral (2)	Liquidation expenses (3)			-6.00%
	Foreclosed real estate		$	4,846	Appraisal of  collateral (2),(4)	Appraisal adjustments (3)		-6.00% to -21.01% (-15.18%)
	December 31, 2013
	Impaired loans		$	15,942	PV of future cash flows (1)	Discount rate			-6.00%
			$	611	Appraisal of collateral (2)	Liquidation expenses (3)			-6.00%
Foreclosed real estate		$	8,972	Appraisal of  collateral (2),(4)	Appraisal adjustments (3)		-6.00% to -44.08% (-12.69%)
(1)	Cash flow which generally include various level 3 inputs which are not identifiable.
-2	Fair value is generally determined through independent appraisals for the underlying collateral, which generally include various level 3 inputs which are not identifiable.
-3	Appraisals may be adjusted by management for qualitative factors such as economic conditions and estimated liquidation expenses.  The range and weighted average of liquidation expenses and other appraisal adjustments are presented as a percent of the appraisal.
-4	Includes qualitative adjustments by management and estimated liquidation expenses.
The estimated fair values of Bancorp's financial instruments as of March 31, 2014 and December 31, 2013 were as follows:
									Fair Value Measurement at
									31-Mar-14
		Carrying			Fair				Quoted Prices in		Significant Other		Significant
		Amount			Value				Active Markets		Observable		Unobservable
									For Identical		Inputs		Inputs
									Assets		(Level 2)		(Level 3)
									(Level 1)
Financial Assets		(dollars in thousands)
Cash and cash equivalents		$	93,920		$	93,920			$	93,920	$	-	$	-
Investment securities (HTM)			43,535			44,145				-		44,145		-
Loans held for sale			6,156			6,156				-		6,156		-
Loans receivable, net			603,761			643,948				-		-		643,948
FHLB stock			5,891			5,891				-		5,891		-
Accrued interest receivable			2,353			2,353				-		2,353		-
Mortgage servicing rights			724			724				-		-		724
Financial Liabilities
Deposits		$	562,964		$	564,608				-		564,608		-
FHLB advances			115,000			107,354				-		107,354		-
Subordinated debentures			24,119			24,119				-		-		24,119
Accrued interest payable			1,498			1,498				-		1,498		-
Off Balance Sheet Commitments		$	-		$	-			$	-	$	-	$	-
									Fair Value Measurement At
									31-Dec-13
		Carrying			Fair				Quoted Prices in		Significant Other		Significant
		Amount			Value				Active Markets		Observable		Unobservable
									For Identical		Inputs		Inputs
									Assets		(Level 2)		(Level 3)
									(Level 1)
Financial Assets		(dollars in thousands)
Cash and cash equivalents		$	98,376		$	98,376			$	98,376	$	-	$	-
Investment securities (HTM)			44,661			45,213				-		45,213		-
Loans held for sale			3,726			3,726				-		3,726		-
Loans receivable, net			602,813			631,032				-		-		631,032
FHLB stock			6,190			6,190				-		6,190		-
Accrued interest receivable			2,353			2,353				-		2,353		-
Mortgage servicing rights			723			723				-		-		723
Financial Liabilities
Deposits		$	571,249		$	573,371				-		573,371		-
FHLB advances			115,000			106,876				-		106,876		-
Subordinated debentures			24,119			24,119				-		-		24,119
Accrued interest payable			1,375			1,375				-		1,375		-
Off Balance Sheet Commitments		$	-		$	-			$	-	$	-	$	-
The following methods and assumptions were used to measure the fair value of financial instruments recorded at cost on Bancorp’s consolidated balance sheet:
Cash and cash equivalents:
The carrying amount reported in the consolidated statements of financial condition for cash and cash equivalents approximate those assets’ fair values.
Investment Securities:
Bancorp utilizes a third party source to determine the fair value of its securities.  The methodology consists of pricing models based on asset class and includes available trade, bid, other market information, broker quotes, proprietary models, various databases and trading desk quotes.  All Bancorp’s investments are considered Level 2.
Loans held for sale:
The fair value of loans held for sale is based primarily on investor quotes.
Loans receivable:
The fair values of loans receivable were estimated using discounted cash flow analyses, using market interest rates currently being offered for loans with similar terms to borrowers of similar credit quality. These rates were used for each aggregated category of loans as reported on the Office of the Comptroller of the Currency Quarterly Report.
FHLB stock:
The carrying amount of FHLB stock approximates fair value based on the redemption provisions of the FHLB.  There have been no identified events or changes in circumstances that may have a significant adverse effect on the FHLB stock.  Based on our evaluation, we have concluded that our FHLB stock was not impaired at March 31, 2014 and December 31, 2013.
Accrued interest receivable and payable:
The carrying amounts of accrued interest receivable and accrued interest payable approximates their fair values.
Mortgage servicing rights:
The fair value of mortgage servicing rights is determined using a valuation model administered by a third party that calculates the present value of estimated future net servicing income.  The model incorporates assumptions that market participants use in estimating future net servicing income, including estimates of prepayment speeds, discount rate, default rates, cost to service (including delinquency and foreclosure costs), escrow account earnings, contractual servicing fee income and other ancillary income such as late fees.  Management reviews all significant assumptions on a monthly basis.  Mortgage loan prepayment speed, a key assumption in the model, is the annual rate at which borrowers are forecasted to repay their mortgage loan principal.  The discount rate used to determine the present value of estimated future net servicing income, another key assumption in the model, is an estimate of the required rate of return investors in the market would require for an asset with similar risk.  Both assumptions can, and generally will, change as market conditions and interest rates change.
Deposit liabilities:
The fair values disclosed for demand deposit accounts, savings accounts and money market deposits are, by definition, equal to the amount payable on demand at the reporting date (i.e., their carrying amounts). Fair values for fixed-rate certificates of deposit are estimated using a discounted cash flow calculation that applies market interest rates currently being offered in the market on certificates to a schedule of aggregated expected monthly maturities on time deposits.
FHLB advances:
Fair values of long-term debt are estimated using discounted cash flow analysis, based on rates currently available for advances from the FHLB with similar terms and remaining maturities.
Subordinated debentures:
Current economic conditions have rendered the market for this liability inactive.  As such, Bancorp is unable to determine a good estimate of fair value.  Since the rate paid on the debentures held is lower than what would be required to secure an interest in the same debt at year end and we are unable to obtain a current fair value, Bancorp has disclosed that the carrying value approximates the fair value.
Off-balance sheet financial instruments:
Fair values for Bancorp’s off-balance sheet financial instruments (lending commitments and letters of credit) are not significant and are based on fees currently charged to enter into similar agreements, taking into account the remaining terms of the agreements and the counterparties’ credit standing.

Recent_Accounting_Pronouncemen

Recent Accounting Pronouncements	3 Months Ended
	Mar. 31, 2014
Recent Accounting Pronouncements [Abstract]	'
Recent Accounting Pronouncements	'
	Note 12 - Recent Accounting Pronouncements
	Management has determined that there are no recent accounting pronouncements that are expected to have a material effect on the consolidated financial statements.

Earnings_Per_Share_Tables

Earnings Per Share (Tables)	3 Months Ended
	Mar. 31, 2014
Earnings Per Share [Abstract]	'
Earnings per share reconciliation	'
	Not included in the diluted earnings per share calculation for the three month periods ended March 31, 2014 and March 31, 2013, because they were anti-dilutive, were 125,000 and 20,000 shares, respectively, of common stock issuable upon exercise of outstanding stock options, 559,976 shares of common stock issuable upon the exercise of a warrant and 437,500 shares of common stock issuable upon conversion of Bancorp’s Series A Preferred Stock.
		Three Months Ended
		March 31,
		2014		2013
	Common shares – weighted average (basic)		10,066,679		10,066,679
	Common share equivalents – weighted average		36,474		33,775
	Common shares – diluted		10,103,153		10,100,454

Regulatory_Matters_Tables

Regulatory Matters (Tables)	3 Months Ended
	Mar. 31, 2014
Regulatory Matters [Abstract]	'
Bank's actual capital amounts and ratios	'
	The Bank is subject to various regulatory capital requirements administered by the federal banking agencies.  Failure to meet minimum capital requirements can initiate certain mandatory, and possible additional discretionary actions by the regulators that, if undertaken, could have a direct material effect on Bancorp’s consolidated financial statements.  Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Bank must meet specific capital guidelines that involve quantitative measures of the Bank’s assets, liabilities, and certain off-balance sheet items as calculated under regulatory accounting practices.  The Bank’s capital amounts and classifications are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors. The following table presents the Bank’s capital position:
			Actual			Actual			To Be Well Capitalized Under
			at March 31 2014			at December 31, 2013			Prompt Corrective Provisions
	Tangible (1)			13.1	%		12.9	%		N/	A
	Tier 1 Capital (2)			19	%		18.6	%		6	%
	Core (1)			13.1	%		12.9	%		5	%
	Total Capital (2)			20.3	%		19.8	%		10	%
		-1	To adjusted total assets.
		-2	To risk-weighted assets.

StockBased_Compensation_Tables

Stock-Based Compensation (Tables)	3 Months Ended
	Mar. 31, 2014
Stock-Based Compensation [Abstract]	'
Stock options valuation assumptions	'
	The stock-based compensation expense amounts were derived using the Black-Scholes option-pricing model.  The following weighted average assumptions were used to value options granted for the quarter ended March 31, 2013:
	Expected life of options		5.0 years
	Risk-free interest rate		1.48	%
	Expected volatility		70.02	%
	Expected dividend yield Weighted average fair value of		0	%
	options granted	$	2.12
Information regarding stock option plan	'
	Information regarding Bancorp’s stock-based compensation plan as of and for the three months ended March 31, 2014 is as follows:
		2014
					Weighted Average
		Shares			Price
	Options outstanding, December 31, 2013		319,000		$	4.23
	Options granted		-			-
	Options exercised		-			-
	Options forfeited		(13,400	)	$	3.89
	Options outstanding, March 31, 2014		305,600		$	4.24
	Options exercisable, March 31, 2014		95,688		$	4.09
Summary of nonvested options in stock option plan	'
	The following table summarizes the nonvested options in Bancorp’s stock option plan as of March 31, 2014.
					Weighted
					Average
					Grant Date
		Shares			Exercise Price
	Nonvested options outstanding, December 31, 2013		236,383		$	4.29
	Nonvested options granted		-			-
	Nonvested options vested		(13,071	)	$	3.96
	Nonvested options forfeited		(13,400	)	$	3.89
	Nonvested options outstanding, March 31, 2014		209,912		$	4.31

Investment_Securities_Tables

Investment Securities (Tables)	3 Months Ended
	Mar. 31, 2014
Investment Securities [Abstract]	'
Amortized cost and fair value of investment securities held to maturity	'
	The amortized cost and fair value of investment securities held to maturity are as follows (dollars in thousands):
		Amortized		Gross		Gross		Fair
		Cost		Unrealized		Unrealized Losses		Value
				Gains
	March 31, 2014:
	US Treasury securities	$	30,210	$	624	$	58	$	30,776
	US Agency securities		11,104		42		33		11,113
	US Government sponsored mortgage-backed securities		2,221		36		1		2,256
	Total	$	43,535	$	702	$	92	$	44,145
	December 31, 2013:
	US Treasury securities	$	31,235	$	665	$	69	$	31,831
	US Agency securities		11,123		44		101		11,066
	US Government sponsored mortgage-backed securities		2,303		27		14		2,316
	Total	$	44,661	$	736	$	184	$	45,213
Schedule of temporary impairment losses	'
	The following tables show fair value and unrealized losses, aggregated by investment category and length of time that the individual securities have been in a continuous unrealized loss position as of March 31, 2014 and December 31. 2013.
		Less than 12 months				12 Months or More				Total
				Unrealized				Unrealized				Unrealized
		Fair Value		Losses		Fair Value		Losses		Fair Value		Losses
	March 31, 2014:	(dollars in thousands)
	US Treasury securities	$	6,919	$	58	$	-	$	-	$	6,919	$	58
	US Agency securities		5,017		33		-		-		5,017		33
	US Government sponsored mortgage-backed securities		933		1		-		-		933		1
	Total	$	12,869	$	92	$	-	$	-	$	12,869	$	92
		Less than 12 months				12 Months or More				Total
				Unrealized				Unrealized				Unrealized
		Fair Value		Losses		Fair Value		Losses		Fair Value		Losses
	December 31, 2013:	(dollars in thousands)
	US Treasury securities	$	6,907	$	69	$	-	$	-	$	6,907	$	69
	US Agency securities		7,934		101		-		-		7,934		101
	US Government sponsored mortgage-backed securities		1,931		14		-		-		1,931		14
	Total	$	16,772	$	184	$	-	$	-	$	16,772	$	184
Amortized cost and estimated fair value of debt securities	'
	The amortized cost and estimated fair value of debt securities at March 31, 2014, by contractual maturity are shown in the following table.  Actual maturities may differ from contractual maturities, because issuers may have the right to call or prepay obligations with or without call or prepayment penalties.
		Held to Maturity
		(dollars in thousands)
		Amortized		Estimated
		Cost		Fair Value
	Due in one year or less	$	5,021	$	5,072
	Due from one year to five years		30,394		30,801
	Due from five years to ten years		5,899		6,016
	US Government sponsored mortgage-backed securities		2,221		2,256
		$	43,535	$	44,145

Loans_Receivable_Tables

Loans Receivable (Tables)	3 Months Ended
	Mar. 31, 2014
Loans Receivable, [Abstract]	'
Loans receivable	'
	Loans receivable, included unfunded commitments consist of the following:
		31-Mar			31-Dec
		2014			2013
		(dollars in thousands)
	Residential mortgage, total	$	265,705		$	258,919
	Individually evaluated for impairment		33,780			35,064
	Collectively evaluated for impairment		231,925			223,855
	Construction, land acquisition and development, total		77,652			75,539
	Individually evaluated for impairment		2,405			2,808
	Collectively evaluated for impairment		75,247			72,731
	Land, total		35,586			34,429
	Individually evaluated for impairment		1,254			1,263
	Collectively evaluated for impairment		34,332			33,166
	Lines of credit, total		19,290			21,598
	Individually evaluated for impairment		454			304
	Collectively evaluated for impairment		18,836			21,294
	Commercial real estate, total		212,318			220,160
	Individually evaluated for impairment		6,705			4,672
	Collectively evaluated for impairment		205,613			215,488
	Commercial non-real estate, total		12,862			8,583
	Individually evaluated for impairment		530			-
	Collectively evaluated for impairment		12,332			8,583
	Home equity, total		29,716			30,339
	Individually evaluated for impairment		1,676			1,777
	Collectively evaluated for impairment		28,040			28,562
	Consumer, total		1,055			1,185
	Individually evaluated for impairment		-			-
	Collectively evaluated for impairment		1,055			1,185
	Total Loans		654,184			650,752
	Less
	Unfunded commitments included above		(36,775	)		(34,069	)
			617,409			616,683
	Individually evaluated for impairment		46,804			45,888
	Collectively evaluated for impairment		570,605			570,795
			617,409			616,683
	Allowance for loan losses		(11,225	)		(11,739	)
	Deferred loan origination fees and costs, net		(2,423	)		(2,131	)
	Net Loans	$	603,761		$	602,813
Allowance for loan losses	'
	The following is a summary of the allowance for loan losses for the three month periods ended March 31, 2014 and 2013 (dollars in thousands):
								Construction
								Acquisition												Commercial Non-Real Estate
		Total			Residential Mortgage			Development			Land			Lines of Credit			Commercial Real Estate						Home Equity			Consumer
	Three months March 2014
	Beginning Balance	$	11,739		$	6,282		$	411		$	1,345		$	35		$	2,527		$	135		$	1,002		$	2
	Provision		200			(161	)		196			(176	)		2			349			43			(53	)		-
	Charge-offs		(752	)		(587	)		-			-			-			-			(1	)		(164	)		-
	Recoveries		38			11			-			-			-			25			2			-			-
	Ending Balance	$	11,225		$	5,545		$	607		$	1,169		$	37		$	2,901		$	179		$	785		$	2
	Ending balance related to:
	Loans individually evaluated for impairment	$	2,546		$	2,245		$	-		$	64		$	-		$	237		$	-		$	-		$	-
	Loans collectively evaluated for impairment	$	8,679		$	3,300		$	607		$	1,105		$	37		$	2,664		$	179		$	785		$	2
	Three months March  2013
	Beginning Balance	$	17,478		$	8,418		$	2,120		$	2,245		$	87		$	3,295		$	46		$	1,254		$	13
	Provision		320			(234	)		190			547			(60	)		(223	)		285			(204	)		19
	Charge-offs		(2,386	)		(1,174	)		(450	)		(357	)		-			(105	)		(109	)		(159	)		(32	)
	Recoveries		53			40			-			-			13			-			-			-			-
	Ending Balance	$	15,465		$	7,050		$	1,860		$	2,435		$	40		$	2,967		$	222		$	891		$	-
	Ending balance related to:
	Loans individually evaluated for impairment	$	6,899		$	3,318		$	1,460		$	1,199		$	32		$	806		$	-		$	84		$	-
	Loans collectively evaluated for impairment	$	8,566		$	3,732		$	400		$	1,236		$	8		$	2,161		$	222		$	807		$	-
Impaired loans	'
	The following tables summarize impaired loans at March 31, 2014 and December 31, 2013 (dollars in thousands):
		Impaired Loans with						Impaired
		Specific Allowance						Loans with			Total Impaired Loans
								No Specific Allowance
														Unpaid
		Recorded			Related			Recorded			Recorded			Principal
		Investment			Allowance			Investment			Investment			Balance
	31-Mar-14
	Residential mortgage	$	14,997		$	2,245		$	18,783		$	33,780		$	35,148
	Construction, acquisition and development		-			-			2,405			2,405			3,050
	Land		361			64			893			1,254			1,372
	Lines of credit		-			-			454			454			545
	Commercial real estate		2,078			237			4,627			6,705			6,732
	Commercial non-real estate		-			-			530			530			530
	Home equity		-			-			1,676			1,676			2,302
	Consumer		-			-			-			-			-
	Total impaired loans	$	17,436		$	2,546		$	29,368		$	46,804		$	49,679
		Impaired Loans with						Impaired
		Specific Allowance						Loans with			Total Impaired Loans
								No Specific Allowance
														Unpaid
		Recorded			Related			Recorded			Recorded			Principal
		Investment			Allowance			Investment			Investment			Balance
	31-Dec-13
	Residential mortgage	$	16,910		$	2,749		$	18,154		$	35,064		$	39,149
	Construction, acquisition and development		-			-			2,808			2,808			3,453
	Land		363			67			900			1,263			1,380
	Lines of credit		-			-			304			304			395
	Commercial real estate		2,092			241			2,580			4,672			4,685
	Commercial non-real estate		-			-			-			-			-
	Home equity		491			246			1,286			1,777			2,239
	Consumer		-			-			-			-			-
	Total impaired loans	$	19,856		$	3,303		$	26,032		$	45,888		$	51,301
	The following tables summarize average impaired loans for the three month periods ended March 31, 2014 and 2013 (dollars in thousands):
		Impaired Loans with						Impaired Loans with No
		Specific Allowance						Specific Allowance						Total Impaired Loans
		Average			Interest			Average			Interest			Average			Interest
		Recorded			Income			Recorded			Income			Recorded			Income
		Investment			Recognized			Investment			Recognized			Investment			Recognized
	Three months ended March 31, 2014
	Residential mortgage	$	15,076		$	167		$	18,702		$	225		$	33,778		$	392
	Construction, acquisition and development		-			-			2,735			19			2,735			19
	Land		362			3			1,187			14			1,549			17
	Lines of credit		-			-			1,937			20			1,937			20
	Commercial real estate		2,083			29			4,157			68			6,240			97
	Commercial non-real estate		-			-			530			7			530			7
	Home equity		-			-			1,732			15			1,732			15
	Consumer		-			-			-			-			-			-
	Total impaired loans		17,521		$	199		$	30,980		$	368		$	48,501		$	567
		Impaired Loans with						Impaired Loans with No
		Specific Allowance						Specific Allowance						Total Impaired Loans
		Average			Interest			Average			Interest			Average			Interest
		Recorded			Income			Recorded			Income			Recorded			Income
		Investment			Recognized			Investment			Recognized			Investment			Recognized
	Three months ended March 31, 2013
	Residential mortgage	$	26,669		$	255		$	14,336		$	121		$	41,005		$	376
	Construction, acquisition and development		7,876			44			3,984			39			11,860			83
	Land		3,884			35			6,230			27			10,114			62
	Lines of credit		149			2			1,822			1			1,971			3
	Commercial real estate		6,414			69			7,822			65			14,236			134
	Commercial non-real estate		-			-			-			-			-			-
	Home equity		1,086			1			473			5			1,559			6
	Consumer		-			-			20			-			20			-
Total impaired loans	$	46,078		$	406		$	34,687		$	258		$	80,765		$	664
Classes of the loan portfolio	'
	The following table presents the classes of the loan portfolio summarized by the aggregate Pass and the criticized categories of Special Mention, Substandard and Doubtful within the internal risk rating system as of March 31, 2014 and December 31, 2013.  Included in the Pass column were $36,775,000 and $34,069,000 in unfunded commitments at March 31, 2014 and December 31, 2013, respectively (dollars in thousands):
		Pass			Special Mention			Substandard						Total
											Doubtful
	31-Mar-14
	Residential mortgage	$	248,242		$	1,124		$	16,339		$	-		$	265,705
	Construction, acquisition and development		73,853			-			3,799			-			77,652
	Land		34,961			-			625			-			35,586
	Lines of credit		16,471			-			2,819			-			19,290
	Commercial real estate		195,013			2,698			14,607			-			212,318
	Commercial non-real estate		12,337			518			7			-			12,862
	Home equity		28,011			-			1,705			-			29,716
	Consumer		176			-			879			-			1,055
	Total loans	$	609,064		$	4,340		$	40,780		$	-		$	654,184
					Special Mention
		Pass						Substandard			Doubtful			Total
	31-Dec-13
	Residential mortgage	$	240,325		$	3,454		$	15,140		$	-		$	258,919
	Construction, acquisition and development		72,104			250			3,185			-			75,539
	Land		33,804			480			145			-			34,429
	Lines of credit		19,152			568			1,878			-			21,598
	Commercial real estate		205,063			6,775			8,322			-			220,160
	Commercial non-real estate		8,583			-			-			-			8,583
	Home equity		28,447			115			1,777			-			30,339
	Consumer		299			-			886			-			1,185
	Total loans	$	607,777		$	11,642		$	31,333		$	-		$	650,752
Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans	'
	Management further monitors the performance and credit quality of the loan portfolio by analyzing the age of the portfolio as determined by the length of time a recorded payment is past due.  Included in the Current column were $36,775,000 and $34,069,000 in unfunded commitments at March 31, 2014 and December 31, 2013, respectively. The following table presents the classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans as of March 31, 2014 and December 31, 2013 (dollars in thousands):
		30-59			60-89			90+			Total									Non-
		Days			Days			Days			Past Due			Current			Total			Accrual
		Past Due			Past Due			Past Due									Loans
	31-Mar-14
	Residential mortgage	$	3,429		$	815		$	5,562		$	9,806		$	255,899		$	265,705		$	6,225
	Construction, acquisition and development		-			-			780			780			76,872			77,652			780
	Land		-			-			182			182			35,404			35,586			182
	Lines of credit		216			-			238			454			18,836			19,290			454
	Commercial real estate		-			26			1,144			1,170			211,148			212,318			1,144
	Commercial non-real estate		2,294			-			-			2,294			10,568			12,862			2,294
	Home equity		830			71			587			1,488			28,228			29,716			1,488
	Consumer		-			-			-			-			1,055			1,055			-
	Total loans	$	6,769		$	912		$	8,493		$	16,174		$	638,010		$	654,184		$	12,567
		30-59			60-89			90+			Total									Non-
		Days Past			Days Past			Days Past			Past Due			Current			Total			Accrual
		Due			Due			Due									Loans
	31-Dec-13
	Residential mortgage	$	3,644		$	4,471		$	5,506		$	13,621		$	245,298		$	258,919		$	6,802
	Construction, acquisition and development		-			-			814			814			74,725			75,539			814
	Land		29			-			183			212			34,217			34,429			183
	Lines of credit		419			-			66			485			21,113			21,598			304
	Commercial real estate		724			28			851			1,603			218,557			220,160			1,155
	Commercial non-real estate		1			-			-			1			8,582			8,583			-
	Home equity		1,199			138			607			1,944			28,395			30,339			1,777
	Consumer		1			-						1			1,184			1,185			-
	Total loans	$	6,017		$	4,637		$	8,027		$	18,681		$	632,071		$	650,752		$	11,035
Newly restructured loans during the period	'
	The following table presents newly restructured loans that occurred during the three months ended March 31, 2014 (dollars in thousands):
		Three months ended March 31, 2014
		Rate						Combination									Total
		Modification			Contracts			Modifications			Contracts			Total			Contracts
	Pre-Modification Outstanding Recorded Investment:
	Residential mortgage		-			-		$	598			2		$	598			2
	Construction, acquisition and
	development		-			-			-			-			-			-
	Land		-			-			-			-			-			-
	Lines of credit		-			-			-			-			-			-
	Commercial real estate		-			-			351			1			351			1
	Commercial non-real estate		-			-			-			-			-			-
	Home equity		-			-			-			-			-			-
	Consumer		-			-			-			-			-			-
	Total loans		-			-		$	949			3		$	949			3
	Post-Modification Outstanding Recorded Investment:
	Residential mortgage		-			-		$	446			2		$	446			2
	Construction, acquisition and
	development		-			-			-			-			-			-
	Land		-			-			-			-			-			-
	Lines of credit		-			-			-			-			-			-
	Commercial real estate		-			-			345			1			345			1
	Commercial non-real estate		-			-			-			-			-			-
	Home equity		-			-			-			-			-			-
	Consumer		-			-			-			-			-			-
	Total loans		-			-		$	791			3		$	791			3
	The following table presents restructured loans that occurred during the three months ended March 31, 2013 (dollars in thousands):
		Three months ended March 31, 2013
		Rate Modification			Contracts			Combination Modifications			Contracts			Total			Total Contracts
	Pre-Modification Outstanding Recorded Investment:
	Residential mortgage		-			-		$	3,115			5		$	3,115			5
	Construction, acquisition and development		-			-			-			-			-			-
	Land		-			-			-			-			-			-
	Lines of credit		-			-			-			-			-			-
	Commercial real estate		-			-			-			-			-			-
	Commercial non-real estate		-			-			-			-			-			-
	Home equity		-			-			-			-			-			-
	Consumer		-			-			-			-			-			-
	Total loans		-			-		$	3,115			5		$	3,115			5
	Post-Modification Outstanding Recorded Investment:
	Residential mortgage		-			-		$	2,401			5		$	2,401			5
	Construction, acquisition and development		-			-			-			-			-			-
	Land		-			-			-			-			-			-
	Lines of credit		-			-			-			-			-			-
	Commercial real estate		-			-			-			-			-			-
	Commercial non-real estate		-			-			-			-			-			-
	Home equity		-			-			-			-			-			-
	Consumer		-			-			-			-			-			-
	Total loans		-			-		$	2,401			5		$	2,401			5
Methods used to account for interest on TDRs	'
	Interest on TDRs was accounted for under the following methods as of March 31, 2014 and December 31, 2013 (dollars in thousands):
											Non-			Total
		Number of			Accrual			Number			Accrual			Number of			Total
		Contracts			Status			of Contracts			Status			Contracts			Modifications
	31-Mar-14
	Residential mortgage		67		$	27,622			5		$	881			72		$	28,503
	Construction, acquisition and development		2			1,626			1			670			3			2,296
	Land		5			941			1			6			6			947
	Lines of credit		-			-			-			-			-			-
	Commercial real estate		5			3,832			2			461			7			4,293
	Commercial non-real estate		-			-			-			-			-			-
	Home equity		-			-			-			-			-			-
	Consumer		-			-			-			-			-			-
	Total loans		79		$	34,021			9		$	2,018			88		$	36,039
	31-Dec-13
	Residential mortgage		66		$	28,966			5		$	856			71		$	29,822
	Construction, acquisition and development		3			1,994			1			705			4			2,699
	Land		5			1,080			2			6			7			1,086
	Lines of credit		-			-			-			-			-			-
	Commercial real estate		5			3,199			1			112			6			3,311
	Commercial non-real estate		-			-			-			-			-			-
	Home equity		-			-			-			-			-			-
	Consumer		-			-			-			-			-			-
	Total loans		79		$	35,239			9		$	1,679			88		$	36,918
Financial instruments whose contract amounts represents credit risk	'
	Unless otherwise noted, the Bank requires collateral or other security to support financial instruments with off-balance-sheet credit risk (dollars in thousands).
	Financial Instruments Whose Contract	Contract Amount At
	Amounts Represent Credit Risk	31-Mar-14			31-Dec-13
	Standby letters of credit	$	13,979		$	14,719
	Home equity lines of credit		12,168			12,345
	Unadvanced construction commitments		36,598			34,023
	Mortgage loan commitments		5,265			4,193
	Lines of credit		24,887			30,965
	Loans sold with limited repurchase provisions		19,216			28,134

Fair_Value_of_Financial_Instru1

Fair Value of Financial Instruments (Tables)	3 Months Ended
	Mar. 31, 2014
Fair Value of Financial Instruments [Abstract]	'
Financial assets accounted for at fair value on a nonrecurring basis	'
	The following table sets forth financial assets that were accounted for at fair value on a nonrecurring and recurring basis by level within the fair value hierarchy as of March, 31, 2014 and December 31, 2013:
						31-Mar-14
						Fair Value Measurement Using:
			31-Mar-14			Quoted Prices in				Significant Other		Significant Unobservable
						Active Markets				Observable		Inputs
						For Identical				Inputs		(Level 3)
						Assets				(Level 2)
						(Level 1)
			(dollars in thousands)
	Nonrecurring fair value measurements
	Impaired loans		$	14,890		$	-			$	-	$	14,890
	Foreclosed real estate			4,846			-				-		4,846
	Total nonrecurring fair value measurements		$	19,736		$	-			$	-	$	19,736
	Recurring fair value measurements
	Mortgage servicing rights		$	724								$	724
						31-Dec-13
						Fair Value Measurement Using:
			31-Dec-13			Quoted Prices in				Significant Other		Significant Unobservable
						Active Markets				Observable		Inputs
						For Identical				Inputs		(Level 3)
						Assets				(Level 2)
						(Level 1)
			(dollars in thousands)
	Nonrecurring fair value measurements
	Impaired loans		$	16,553		$	-			$	-	$	16,553
	Foreclosed real estate			8,972			-				-		8,972
	Total nonrecurring fair value measurements		$	25,525		$	-			$	-	$	25,525
	Recurring fair value measurements
	Mortgage servicing rights		$	723								$	723
Assets measured at fair value on a recurring and nonrecurring basis utilizing level 3 input	'
	The following table presents additional quantitative information about assets measured at fair value on a recurring basis and for which Bancorp has utilized Level 3 inputs to determine fair value:
			Quantitative Information about Level 3 Fair Value Measurements
			Fair Value		Valuation	Unobservable Input		Range (Weighted
			Estimate		Techniques			Average)
	31-Mar-14
	Mortgage servicing rights		$	724	Market approach	Weighted average prepayment speed			8.1	%
	31-Dec-13
	Mortgage servicing rights		$	723	Market approach	Weighted average prepayment speed			8.3	%
	All appraisals are reviewed by the credit department; however, no modifications or adjustments are made to the appraisals received.
	The following table presents additional quantitative information about assets measured at fair value on a nonrecurring basis and for which Bancorp has utilized Level 3 inputs to determine fair value:
			Quantitative Information about Level 3 Fair Value Measurements
			Fair Value		Valuation	Unobservable Input		Range (Weighted
			Estimate		Techniques			Average)
	31-Mar-14
	Impaired loans		$	13,888	PV of future cash flows (1)	Discount rate			-6.00%
			$	1,002	Appraisal of collateral (2)	Liquidation expenses (3)			-6.00%
	Foreclosed real estate		$	4,846	Appraisal of  collateral (2),(4)	Appraisal adjustments (3)		-6.00% to -21.01% (-15.18%)
	December 31, 2013
	Impaired loans		$	15,942	PV of future cash flows (1)	Discount rate			-6.00%
			$	611	Appraisal of collateral (2)	Liquidation expenses (3)			-6.00%
	Foreclosed real estate		$	8,972	Appraisal of  collateral (2),(4)	Appraisal adjustments (3)		-6.00% to -44.08% (-12.69%)
	(1)	Cash flow which generally include various level 3 inputs which are not identifiable.
	-2	Fair value is generally determined through independent appraisals for the underlying collateral, which generally include various level 3 inputs which are not identifiable.
	-3	Appraisals may be adjusted by management for qualitative factors such as economic conditions and estimated liquidation expenses.  The range and weighted average of liquidation expenses and other appraisal adjustments are presented as a percent of the appraisal.
	-4	Includes qualitative adjustments by management and estimated liquidation expenses.
Estimated fair values of financial instruments	'
	The estimated fair values of Bancorp's financial instruments as of March 31, 2014 and December 31, 2013 were as follows:
										Fair Value Measurement at
										31-Mar-14
			Carrying			Fair				Quoted Prices in		Significant Other		Significant
			Amount			Value				Active Markets		Observable		Unobservable
										For Identical		Inputs		Inputs
										Assets		(Level 2)		(Level 3)
										(Level 1)
	Financial Assets		(dollars in thousands)
	Cash and cash equivalents		$	93,920		$	93,920			$	93,920	$	-	$	-
	Investment securities (HTM)			43,535			44,145				-		44,145		-
	Loans held for sale			6,156			6,156				-		6,156		-
	Loans receivable, net			603,761			643,948				-		-		643,948
	FHLB stock			5,891			5,891				-		5,891		-
	Accrued interest receivable			2,353			2,353				-		2,353		-
	Mortgage servicing rights			724			724				-		-		724
	Financial Liabilities
	Deposits		$	562,964		$	564,608				-		564,608		-
	FHLB advances			115,000			107,354				-		107,354		-
	Subordinated debentures			24,119			24,119				-		-		24,119
	Accrued interest payable			1,498			1,498				-		1,498		-
	Off Balance Sheet Commitments		$	-		$	-			$	-	$	-	$	-
										Fair Value Measurement At
										31-Dec-13
			Carrying			Fair				Quoted Prices in		Significant Other		Significant
			Amount			Value				Active Markets		Observable		Unobservable
										For Identical		Inputs		Inputs
										Assets		(Level 2)		(Level 3)
										(Level 1)
	Financial Assets		(dollars in thousands)
	Cash and cash equivalents		$	98,376		$	98,376			$	98,376	$	-	$	-
	Investment securities (HTM)			44,661			45,213				-		45,213		-
	Loans held for sale			3,726			3,726				-		3,726		-
	Loans receivable, net			602,813			631,032				-		-		631,032
	FHLB stock			6,190			6,190				-		6,190		-
	Accrued interest receivable			2,353			2,353				-		2,353		-
	Mortgage servicing rights			723			723				-		-		723
	Financial Liabilities
	Deposits		$	571,249		$	573,371				-		573,371		-
	FHLB advances			115,000			106,876				-		106,876		-
	Subordinated debentures			24,119			24,119				-		-		24,119
	Accrued interest payable			1,375			1,375				-		1,375		-
	Off Balance Sheet Commitments		$	-		$	-			$	-	$	-	$	-

Cash_Flow_Presentation_Details

Cash Flow Presentation (Details)	3 Months Ended
	Mar. 31, 2014
Cash Flow Presentation [Abstract]	'
Period when federal funds are sold	'1 day

Earnings_Per_Share_Details

Earnings Per Share (Details)	3 Months Ended
	Mar. 31, 2014	Mar. 31, 2013
Weighted average number of shares outstanding reconciliation [Abstract]	'	'
Common shares - weighted average (basic) (in shares)	10,066,679	10,066,679
Common share equivalents - weighted average (in shares)	36,474	33,775
Common shares - diluted (in shares)	10,103,153	10,100,454
Stock Options [Member]	'	'
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]	'	'
Antidilutive securities excluded from computation of earnings per share (in shares)	125,000	20,000
Warrant [Member]	'	'
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]	'	'
Antidilutive securities excluded from computation of earnings per share (in shares)	556,976	556,976
Series A Preferred Stock [Member]	'	'
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]	'	'
Antidilutive securities excluded from computation of earnings per share (in shares)	437,500	437,500

Regulatory_Matters_Details

Regulatory Matters (Details)	Mar. 31, 2014		Dec. 31, 2013		Apr. 23, 2013
Tangible [Abstract]	'		'		'
Tangible Actual, % (in hundredths)	13.10%	[1]	12.90%	[1]	'
Tier I capital [Abstract]	'		'		'
Tier I capital Actual, % (in hundredths)	19.00%	[2]	18.60%	[2]	10.00%
Tier I Capital To Be Well Capitalized Under Prompt Corrective Provisions, % (in hundredths)	6.00%	[2]	'		'
Core [Abstract]	'		'		'
Core Actual, % (in hundredths)	13.10%	[1]	12.90%	[1]	'
Core To Be Well Capitalized Under Prompt Corrective Action Provisions, % (in hundredths)	5.00%	[1]	'		'
Total [Abstract]	'		'		'
Total Actual, % (in hundredths)	20.30%	[2]	19.80%	[2]	15.00%
Total To Be Well Capitalized Under Prompt Corrective Action Provisions, % (in hundredths)	10.00%	[2]	'		'
[1]	To adjusted total assets.
[2]	To risk-weighted assets.

StockBased_Compensation_Detail

Stock-Based Compensation (Details) (USD $)	3 Months Ended
	Mar. 31, 2014	Mar. 31, 2013	Dec. 31, 2013
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]	'	'	'
Number of shares of shares authorized under the plan (in shares)	500,000	'	'
Stock-based compensation expense	$59,000	$24,000	'
Shares [Roll Forward]	'	'	'
Options outstanding, Beginning period (in shares)	319,000	'	'
Options granted (in shares)	0	125,000	'
Options exercised (in shares)	0	'	'
Options forfeited (in shares)	-13,400	'	'
Options outstanding, Ending period (in shares)	305,600	'	'
Options exercisable, Ending period (in shares)	95,688	'	'
Weighted Average Exercise Price [Roll Forward]	'	'	'
Options outstanding, Beginning period (in dollars per share)	$4.23	'	'
Options granted (in dollars per share)	$0	'	'
Options exercised (in dollars per share)	$0	'	'
Options forfeited (in dollars per share)	$3.89	'	'
Options outstanding, Ending period (in dollars per share)	$4.24	'	'
Options exercisable, Ending period (in dollars per share)	$4.09	'	'
Aggregate intrinsic value of the options outstanding	142,558	'	187,640
Aggregate intrinsic value of the options exercisable	48,297	'	58,153
Fair value assumptions for options granted [Abstract]	'	'	'
Expected life of options	'5 years	'	'
Risk-free interest rate (in hundredths)	1.48%	'	'
Expected volatility (in hundredths)	70.02%	'	'
Expected dividend yield (in hundredths)	0.00%	'	'
Weighted average fair value (in dollars per share)	$2.12	'	'
Nonvested Options, Shares [Roll Forward]	'	'	'
Nonvested options outstanding, Beginning balance (in shares)	236,383	'	'
Nonvested options granted (in shares)	0	'	'
Nonvested options vested (in shares)	-13,071	'	'
Nonvested options forfeited (in shares)	-13,400	'	'
Nonvested options outstanding, Ending balance (in shares)	209,912	'	'
Nonvested Options, Weighted Average Grant Date Exercise Price [Roll Forward]	'	'	'
Nonvested options outstanding (in dollars per share)	$4.29	'	'
Nonvested options granted (in dollars per share)	$0	'	'
Nonvested options vested (in dollars per share)	$3.96	'	'
Nonvested options forfeited (in dollars per share)	$3.89	'	'
Nonvested options outstanding (in dollars per share)	$4.31	'	'
Unrecognized stock-based compensation expense	$629,000	'	'
Unrecognized stock-based compensation expected to be recognized period	'57 months	'	'
Stock Options [Member]	'	'	'
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]	'	'	'
Stock options expiry period	'10 years	'	'
Stock options vesting period	'5 years	'	'

Investment_Securities_Details

Investment Securities (Details) (USD $)	Mar. 31, 2014	Dec. 31, 2013
	Security	Security
Amortized cost and fair value of investment securities held to maturity [Abstract]	'	'
Amortized Cost	$43,535,000	$44,661,000
Gross Unrealized Gains	702,000	736,000
Gross Unrealized Losses	92,000	184,000
Fair Value	44,145,000	45,213,000
Securities pledged as collateral for borrowings	5,256,000	3,263,000
Number of securities in continuous unrealized loss position	0	0
Fair Value [Abstract]	'	'
Less than 12 Months, Fair Value	12,869,000	16,772,000
12 Months or More, Fair Value	0	0
Total, Fair Value	12,869,000	16,772,000
Unrealized Losses [Abstract]	'	'
Less than 12 Months, Unrealized Losses	92,000	184,000
12 Months or More, Unrealized Losses	0	0
Total, Unrealized Losses	92,000	184,000
Amortized Cost [Abstract]	'	'
Due in one year or less	5,021,000	'
Due from one year to five years	30,394,000	'
Due from five years to ten years	5,899,000	'
US Government sponsored mortgage-backed securities	2,221,000	'
Total	43,535,000	'
Estimated Fair Value [Abstract]	'	'
Due in one year or less	5,072,000	'
Due from one year to five years	30,801,000	'
Due from five years to ten years	6,016,000	'
US Government sponsored mortgage-backed securities	2,256,000	'
Total	44,145,000	'
US Treasury Securities [Member]	'	'
Amortized cost and fair value of investment securities held to maturity [Abstract]	'	'
Amortized Cost	30,210,000	31,235,000
Gross Unrealized Gains	624,000	665,000
Gross Unrealized Losses	58,000	69,000
Fair Value	30,776,000	31,831,000
Number of securities in continuous unrealized loss position	7	7
Fair Value [Abstract]	'	'
Less than 12 Months, Fair Value	6,919,000	6,907,000
12 Months or More, Fair Value	0	0
Total, Fair Value	6,919,000	6,907,000
Unrealized Losses [Abstract]	'	'
Less than 12 Months, Unrealized Losses	58,000	69,000
12 Months or More, Unrealized Losses	0	0
Total, Unrealized Losses	58,000	69,000
US Agency Securities [Member]	'	'
Amortized cost and fair value of investment securities held to maturity [Abstract]	'	'
Amortized Cost	11,104,000	11,123,000
Gross Unrealized Gains	42,000	44,000
Gross Unrealized Losses	33,000	101,000
Fair Value	11,113,000	11,066,000
Number of securities in continuous unrealized loss position	5	8
Fair Value [Abstract]	'	'
Less than 12 Months, Fair Value	5,017,000	7,934,000
12 Months or More, Fair Value	0	0
Total, Fair Value	5,017,000	7,934,000
Unrealized Losses [Abstract]	'	'
Less than 12 Months, Unrealized Losses	33,000	101,000
12 Months or More, Unrealized Losses	0	0
Total, Unrealized Losses	33,000	101,000
US Government Sponsored Mortgage-Backed Securities [Member]	'	'
Amortized cost and fair value of investment securities held to maturity [Abstract]	'	'
Amortized Cost	2,221,000	2,303,000
Gross Unrealized Gains	36,000	27,000
Gross Unrealized Losses	1,000	14,000
Fair Value	2,256,000	2,316,000
Number of securities in continuous unrealized loss position	1	2
Fair Value [Abstract]	'	'
Less than 12 Months, Fair Value	933,000	1,931,000
12 Months or More, Fair Value	0	0
Total, Fair Value	933,000	1,931,000
Unrealized Losses [Abstract]	'	'
Less than 12 Months, Unrealized Losses	1,000	14,000
12 Months or More, Unrealized Losses	0	0
Total, Unrealized Losses	$1,000	$14,000

Loans_Receivable_Loans_Receiva

Loans Receivable, Loans Receivable (Details) (USD $)	3 Months Ended
	Mar. 31, 2014	Mar. 31, 2013	Dec. 31, 2013
Loans receivable [Abstract]	'	'	'
Total loans	$654,184,000	'	$650,752,000
Individually evaluated for impairment	46,804,000	'	45,888,000
Collectively evaluated for impairment	570,605,000	'	570,795,000
Less [Abstract]	'	'	'
Unfunded commitments included above	-36,775,000	'	-34,069,000
Total loans excluding unfunded commitments	617,409,000	'	616,683,000
Allowance for loan losses	-11,225,000	'	-11,739,000
Deferred loan origination fees and costs, net	-2,423,000	'	-2,131,000
Loans receivable	603,761,000	'	602,813,000
Nonaccrual period of loan considered to be impaired	'90 days	'	'
Interest income and capitalized interest from interest reserves	5,000	10,000	'
Residential Mortgage [Member]	'	'	'
Loans receivable [Abstract]	'	'	'
Total loans	265,705,000	'	258,919,000
Individually evaluated for impairment	33,780,000	'	35,064,000
Collectively evaluated for impairment	231,925,000	'	223,855,000
Less [Abstract]	'	'	'
Loan to value ratio (in hundredths)	80.00%	'	'
Construction, Land Acquisition and Development [Member]	'	'	'
Loans receivable [Abstract]	'	'	'
Total loans	77,652,000	'	75,539,000
Individually evaluated for impairment	2,405,000	'	2,808,000
Collectively evaluated for impairment	75,247,000	'	72,731,000
Less [Abstract]	'	'	'
Term of the construction period, maximum	'2 years	'	'
Construction, Land Acquisition and Development [Member] | Minimum [Member]	'	'	'
Less [Abstract]	'	'	'
Extension period for loans	'12 months	'	'
Construction, Land Acquisition and Development [Member] | Maximum [Member]	'	'	'
Less [Abstract]	'	'	'
Extension period for loans	'18 months	'	'
Land [Member]	'	'	'
Loans receivable [Abstract]	'	'	'
Total loans	35,586,000	'	34,429,000
Individually evaluated for impairment	1,254,000	'	1,263,000
Collectively evaluated for impairment	34,332,000	'	33,166,000
Lines of Credit [Member]	'	'	'
Loans receivable [Abstract]	'	'	'
Total loans	19,290,000	'	21,598,000
Individually evaluated for impairment	454,000	'	304,000
Collectively evaluated for impairment	18,836,000	'	21,294,000
Commercial Real Estate [Member]	'	'	'
Loans receivable [Abstract]	'	'	'
Total loans	212,318,000	'	220,160,000
Individually evaluated for impairment	6,705,000	'	4,672,000
Collectively evaluated for impairment	205,613,000	'	215,488,000
Commercial Non-Real Estate [Member]	'	'	'
Loans receivable [Abstract]	'	'	'
Total loans	12,862,000	'	8,583,000
Individually evaluated for impairment	530,000	'	0
Collectively evaluated for impairment	12,332,000	'	8,583,000
Home Equity [Member]	'	'	'
Loans receivable [Abstract]	'	'	'
Total loans	29,716,000	'	30,339,000
Individually evaluated for impairment	1,676,000	'	1,777,000
Collectively evaluated for impairment	28,040,000	'	28,562,000
Consumer [Member]	'	'	'
Loans receivable [Abstract]	'	'	'
Total loans	1,055,000	'	1,185,000
Individually evaluated for impairment	0	'	0
Collectively evaluated for impairment	$1,055,000	'	$1,185,000

Loans_Receivable_Allowance_For

Loans Receivable, Allowance For Loan Losses (Details) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014	Mar. 31, 2013
Summary of allowance for loan losses [Abstract]	'	'
Beginning Balance	$11,739	$17,478
Provision	200	320
Charge-offs	-752	-2,386
Recoveries	38	53
Ending Balance	11,225	15,465
Ending balance related to [Abstract]	'	'
Allowance on loans individually evaluated for impairment	2,546	6,899
Allowance on loans collectively evaluated for impairment	8,679	8,566
Past due period after which accrual of interest on loans is discontinued	'90 days	'
Residential Mortgage [Member]	'	'
Summary of allowance for loan losses [Abstract]	'	'
Beginning Balance	6,282	8,418
Provision	-161	-234
Charge-offs	-587	-1,174
Recoveries	11	40
Ending Balance	5,545	7,050
Ending balance related to [Abstract]	'	'
Allowance on loans individually evaluated for impairment	2,245	3,318
Allowance on loans collectively evaluated for impairment	3,300	3,732
Construction Acquisition and Development [Member]	'	'
Summary of allowance for loan losses [Abstract]	'	'
Beginning Balance	411	2,120
Provision	196	190
Charge-offs	0	-450
Recoveries	0	0
Ending Balance	607	1,860
Ending balance related to [Abstract]	'	'
Allowance on loans individually evaluated for impairment	0	1,460
Allowance on loans collectively evaluated for impairment	607	400
Land [Member]	'	'
Summary of allowance for loan losses [Abstract]	'	'
Beginning Balance	1,345	2,245
Provision	-176	547
Charge-offs	0	-357
Recoveries	0	0
Ending Balance	1,169	2,435
Ending balance related to [Abstract]	'	'
Allowance on loans individually evaluated for impairment	64	1,199
Allowance on loans collectively evaluated for impairment	1,105	1,236
Lines of Credit [Member]	'	'
Summary of allowance for loan losses [Abstract]	'	'
Beginning Balance	35	87
Provision	2	-60
Charge-offs	0	0
Recoveries	0	13
Ending Balance	37	40
Ending balance related to [Abstract]	'	'
Allowance on loans individually evaluated for impairment	0	32
Allowance on loans collectively evaluated for impairment	37	8
Commercial Real Estate [Member]	'	'
Summary of allowance for loan losses [Abstract]	'	'
Beginning Balance	2,527	3,295
Provision	349	-223
Charge-offs	0	-105
Recoveries	25	0
Ending Balance	2,901	2,967
Ending balance related to [Abstract]	'	'
Allowance on loans individually evaluated for impairment	237	806
Allowance on loans collectively evaluated for impairment	2,664	2,161
Commercial Non-Real Estate [Member]	'	'
Summary of allowance for loan losses [Abstract]	'	'
Beginning Balance	135	46
Provision	43	285
Charge-offs	-1	-109
Recoveries	2	0
Ending Balance	179	222
Ending balance related to [Abstract]	'	'
Allowance on loans individually evaluated for impairment	0	0
Allowance on loans collectively evaluated for impairment	179	222
Home Equity [Member]	'	'
Summary of allowance for loan losses [Abstract]	'	'
Beginning Balance	1,002	1,254
Provision	-53	-204
Charge-offs	-164	-159
Recoveries	0	0
Ending Balance	785	891
Ending balance related to [Abstract]	'	'
Allowance on loans individually evaluated for impairment	0	84
Allowance on loans collectively evaluated for impairment	785	807
Consumer [Member]	'	'
Summary of allowance for loan losses [Abstract]	'	'
Beginning Balance	2	13
Provision	0	19
Charge-offs	0	-32
Recoveries	0	0
Ending Balance	2	0
Ending balance related to [Abstract]	'	'
Allowance on loans individually evaluated for impairment	0	0
Allowance on loans collectively evaluated for impairment	$2	$0

Loans_Receivable_NonPerforming

Loans Receivable, Non-Performing Assets and Impaired Loans (Details) (USD $)	3 Months Ended
	Mar. 31, 2014	Mar. 31, 2013	Dec. 31, 2013
Impaired loans [Abstract]	'	'	'
Impaired Loans with Specific Allowance, Recorded Investment	$17,436,000	'	$19,856,000
Impaired Loans with Specific Allowance, Related Allowance	2,546,000	'	3,303,000
Impaired Loans with No Specific Allowance, Recorded Investment	29,368,000	'	26,032,000
Total Impaired Loans, Recorded Investment	46,804,000	'	45,888,000
Total Impaired Loans, Unpaid Principal Balance	49,679,000	'	51,301,000
Impaired Loans with Specific Allowance, Average Recorded Investment	17,521,000	46,078,000	'
Impaired Loans with Specific Allowance, Interest Income Recognized	199,000	406,000	'
Impaired Loans with No Specific Allowance, Average Recorded Investment	30,980,000	34,687,000	'
Impaired Loans with No Specific Allowance, Interest Income Recognized	368,000	258,000	'
Total Impaired Loans, Average Recorded Investment	48,501,000	80,765,000	'
Total Impaired Loans Interest Income Recognized	567,000	664,000	'
Interest income on cash basis recognized on impaired loans	567,000	664,000	'
Loans in nonaccrual status included in impaired loans	34,237,000	'	'
Impaired loans	46,804,000	'	45,888,000
Total loans	654,184,000	'	650,752,000
Pass [Member]	'	'	'
Impaired loans [Abstract]	'	'	'
Total loans	609,064,000	'	607,777,000
Residential Mortgage [Member]	'	'	'
Impaired loans [Abstract]	'	'	'
Impaired Loans with Specific Allowance, Recorded Investment	14,997,000	'	16,910,000
Impaired Loans with Specific Allowance, Related Allowance	2,245,000	'	2,749,000
Impaired Loans with No Specific Allowance, Recorded Investment	18,783,000	'	18,154,000
Total Impaired Loans, Recorded Investment	33,780,000	'	35,064,000
Total Impaired Loans, Unpaid Principal Balance	35,148,000	'	39,149,000
Impaired Loans with Specific Allowance, Average Recorded Investment	15,076,000	26,669,000	'
Impaired Loans with Specific Allowance, Interest Income Recognized	167,000	255,000	'
Impaired Loans with No Specific Allowance, Average Recorded Investment	18,702,000	14,336,000	'
Impaired Loans with No Specific Allowance, Interest Income Recognized	225,000	121,000	'
Total Impaired Loans, Average Recorded Investment	33,778,000	41,005,000	'
Total Impaired Loans Interest Income Recognized	392,000	376,000	'
Impaired loans	33,780,000	'	35,064,000
Total loans	265,705,000	'	258,919,000
Residential Mortgage [Member] | Pass [Member]	'	'	'
Impaired loans [Abstract]	'	'	'
Total loans	248,242,000	'	240,325,000
Construction Acquisition and Development [Member]	'	'	'
Impaired loans [Abstract]	'	'	'
Impaired Loans with Specific Allowance, Recorded Investment	0	'	0
Impaired Loans with Specific Allowance, Related Allowance	0	'	0
Impaired Loans with No Specific Allowance, Recorded Investment	2,405,000	'	2,808,000
Total Impaired Loans, Recorded Investment	2,405,000	'	2,808,000
Total Impaired Loans, Unpaid Principal Balance	3,050,000	'	3,453,000
Impaired Loans with Specific Allowance, Average Recorded Investment	0	7,876,000	'
Impaired Loans with Specific Allowance, Interest Income Recognized	0	44,000	'
Impaired Loans with No Specific Allowance, Average Recorded Investment	2,735,000	3,984,000	'
Impaired Loans with No Specific Allowance, Interest Income Recognized	19,000	39,000	'
Total Impaired Loans, Average Recorded Investment	2,735,000	11,860,000	'
Total Impaired Loans Interest Income Recognized	19,000	83,000	'
Impaired loans	2,405,000	'	2,808,000
Total loans	77,652,000	'	75,539,000
Construction Acquisition and Development [Member] | Pass [Member]	'	'	'
Impaired loans [Abstract]	'	'	'
Total loans	73,853,000	'	72,104,000
Land [Member]	'	'	'
Impaired loans [Abstract]	'	'	'
Impaired Loans with Specific Allowance, Recorded Investment	361,000	'	363,000
Impaired Loans with Specific Allowance, Related Allowance	64,000	'	67,000
Impaired Loans with No Specific Allowance, Recorded Investment	893,000	'	900,000
Total Impaired Loans, Recorded Investment	1,254,000	'	1,263,000
Total Impaired Loans, Unpaid Principal Balance	1,372,000	'	1,380,000
Impaired Loans with Specific Allowance, Average Recorded Investment	362,000	3,884,000	'
Impaired Loans with Specific Allowance, Interest Income Recognized	3,000	35,000	'
Impaired Loans with No Specific Allowance, Average Recorded Investment	1,187,000	6,230,000	'
Impaired Loans with No Specific Allowance, Interest Income Recognized	14,000	27,000	'
Total Impaired Loans, Average Recorded Investment	1,549,000	10,114,000	'
Total Impaired Loans Interest Income Recognized	17,000	62,000	'
Impaired loans	1,254,000	'	1,263,000
Total loans	35,586,000	'	34,429,000
Land [Member] | Pass [Member]	'	'	'
Impaired loans [Abstract]	'	'	'
Total loans	34,961,000	'	33,804,000
Lines of Credit [Member]	'	'	'
Impaired loans [Abstract]	'	'	'
Impaired Loans with Specific Allowance, Recorded Investment	0	'	0
Impaired Loans with Specific Allowance, Related Allowance	0	'	0
Impaired Loans with No Specific Allowance, Recorded Investment	454,000	'	304,000
Total Impaired Loans, Recorded Investment	454,000	'	304,000
Total Impaired Loans, Unpaid Principal Balance	545,000	'	395,000
Impaired Loans with Specific Allowance, Average Recorded Investment	0	149,000	'
Impaired Loans with Specific Allowance, Interest Income Recognized	0	2,000	'
Impaired Loans with No Specific Allowance, Average Recorded Investment	1,937,000	1,822,000	'
Impaired Loans with No Specific Allowance, Interest Income Recognized	20,000	1,000	'
Total Impaired Loans, Average Recorded Investment	1,937,000	1,971,000	'
Total Impaired Loans Interest Income Recognized	20,000	3,000	'
Impaired loans	454,000	'	304,000
Total loans	19,290,000	'	21,598,000
Lines of Credit [Member] | Pass [Member]	'	'	'
Impaired loans [Abstract]	'	'	'
Total loans	16,471,000	'	19,152,000
Commercial Real Estate [Member]	'	'	'
Impaired loans [Abstract]	'	'	'
Impaired Loans with Specific Allowance, Recorded Investment	2,078,000	'	2,092,000
Impaired Loans with Specific Allowance, Related Allowance	237,000	'	241,000
Impaired Loans with No Specific Allowance, Recorded Investment	4,627,000	'	2,580,000
Total Impaired Loans, Recorded Investment	6,705,000	'	4,672,000
Total Impaired Loans, Unpaid Principal Balance	6,732,000	'	4,685,000
Impaired Loans with Specific Allowance, Average Recorded Investment	2,083,000	6,414,000	'
Impaired Loans with Specific Allowance, Interest Income Recognized	29,000	69,000	'
Impaired Loans with No Specific Allowance, Average Recorded Investment	4,157,000	7,822,000	'
Impaired Loans with No Specific Allowance, Interest Income Recognized	68,000	65,000	'
Total Impaired Loans, Average Recorded Investment	6,240,000	14,236,000	'
Total Impaired Loans Interest Income Recognized	97,000	134,000	'
Impaired loans	6,705,000	'	4,672,000
Total loans	212,318,000	'	220,160,000
Commercial Real Estate [Member] | Pass [Member]	'	'	'
Impaired loans [Abstract]	'	'	'
Total loans	195,013,000	'	205,063,000
Commercial Non-Real Estate [Member]	'	'	'
Impaired loans [Abstract]	'	'	'
Impaired Loans with Specific Allowance, Recorded Investment	0	'	0
Impaired Loans with Specific Allowance, Related Allowance	0	'	0
Impaired Loans with No Specific Allowance, Recorded Investment	530,000	'	0
Total Impaired Loans, Recorded Investment	530,000	'	0
Total Impaired Loans, Unpaid Principal Balance	530,000	'	0
Impaired Loans with Specific Allowance, Average Recorded Investment	0	0	'
Impaired Loans with Specific Allowance, Interest Income Recognized	0	0	'
Impaired Loans with No Specific Allowance, Average Recorded Investment	530,000	0	'
Impaired Loans with No Specific Allowance, Interest Income Recognized	7,000	0	'
Total Impaired Loans, Average Recorded Investment	530,000	0	'
Total Impaired Loans Interest Income Recognized	7,000	0	'
Impaired loans	530,000	'	0
Total loans	12,862,000	'	8,583,000
Commercial Non-Real Estate [Member] | Pass [Member]	'	'	'
Impaired loans [Abstract]	'	'	'
Total loans	12,337,000	'	8,583,000
Home Equity [Member]	'	'	'
Impaired loans [Abstract]	'	'	'
Impaired Loans with Specific Allowance, Recorded Investment	0	'	491,000
Impaired Loans with Specific Allowance, Related Allowance	0	'	246,000
Impaired Loans with No Specific Allowance, Recorded Investment	1,676,000	'	1,286,000
Total Impaired Loans, Recorded Investment	1,676,000	'	1,777,000
Total Impaired Loans, Unpaid Principal Balance	2,302,000	'	2,239,000
Impaired Loans with Specific Allowance, Average Recorded Investment	0	1,086,000	'
Impaired Loans with Specific Allowance, Interest Income Recognized	0	1,000	'
Impaired Loans with No Specific Allowance, Average Recorded Investment	1,732,000	473,000	'
Impaired Loans with No Specific Allowance, Interest Income Recognized	15,000	5,000	'
Total Impaired Loans, Average Recorded Investment	1,732,000	1,559,000	'
Total Impaired Loans Interest Income Recognized	15,000	6,000	'
Impaired loans	1,676,000	'	1,777,000
Total loans	29,716,000	'	30,339,000
Home Equity [Member] | Pass [Member]	'	'	'
Impaired loans [Abstract]	'	'	'
Total loans	28,011,000	'	28,447,000
Consumer [Member]	'	'	'
Impaired loans [Abstract]	'	'	'
Impaired Loans with Specific Allowance, Recorded Investment	0	'	0
Impaired Loans with Specific Allowance, Related Allowance	0	'	0
Impaired Loans with No Specific Allowance, Recorded Investment	0	'	0
Total Impaired Loans, Recorded Investment	0	'	0
Total Impaired Loans, Unpaid Principal Balance	0	'	0
Impaired Loans with Specific Allowance, Average Recorded Investment	0	0	'
Impaired Loans with Specific Allowance, Interest Income Recognized	0	0	'
Impaired Loans with No Specific Allowance, Average Recorded Investment	0	20,000	'
Impaired Loans with No Specific Allowance, Interest Income Recognized	0	0	'
Total Impaired Loans, Average Recorded Investment	0	20,000	'
Total Impaired Loans Interest Income Recognized	0	0	'
Impaired loans	0	'	0
Total loans	1,055,000	'	1,185,000
Consumer [Member] | Pass [Member]	'	'	'
Impaired loans [Abstract]	'	'	'
Total loans	176,000	'	299,000
Residential Real Estate [Member]	'	'	'
Impaired loans [Abstract]	'	'	'
Total Impaired Loans, Recorded Investment	33,780,000	'	'
Impaired loans	33,780,000	'	'
Consumer Residential Real Estate [Member]	'	'	'
Impaired loans [Abstract]	'	'	'
Total Impaired Loans, Recorded Investment	28,176,000	'	'
Impaired loans	28,176,000	'	'
Builders Residential Real Estate [Member]	'	'	'
Impaired loans [Abstract]	'	'	'
Total Impaired Loans, Recorded Investment	5,604,000	'	'
Impaired loans	5,604,000	'	'
Unfunded [Member] | Pass [Member]	'	'	'
Impaired loans [Abstract]	'	'	'
Total loans	$36,775,000	'	$34,069,000

Loans_Receivable_Classes_of_Lo

Loans Receivable, Classes of Loan Portfolio within the Internal Risk Grading System (Details) (USD $)	Mar. 31, 2014	Dec. 31, 2013
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans	$654,184,000	$650,752,000
Residential Mortgage [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans	265,705,000	258,919,000
Construction Acquisition and Development [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans	77,652,000	75,539,000
Land [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans	35,586,000	34,429,000
Lines of Credit [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans	19,290,000	21,598,000
Commercial Real Estate [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans	212,318,000	220,160,000
Commercial Non-Real Estate [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans	12,862,000	8,583,000
Home Equity [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans	29,716,000	30,339,000
Consumer [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans	1,055,000	1,185,000
Pass [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans	609,064,000	607,777,000
Pass [Member] | Residential Mortgage [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans	248,242,000	240,325,000
Pass [Member] | Construction Acquisition and Development [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans	73,853,000	72,104,000
Pass [Member] | Land [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans	34,961,000	33,804,000
Pass [Member] | Lines of Credit [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans	16,471,000	19,152,000
Pass [Member] | Commercial Real Estate [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans	195,013,000	205,063,000
Pass [Member] | Commercial Non-Real Estate [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans	12,337,000	8,583,000
Pass [Member] | Home Equity [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans	28,011,000	28,447,000
Pass [Member] | Consumer [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans	176,000	299,000
Special Mention [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans	4,340,000	11,642,000
Special Mention [Member] | Residential Mortgage [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans	1,124,000	3,454,000
Special Mention [Member] | Construction Acquisition and Development [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans	0	250,000
Special Mention [Member] | Land [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans	0	480,000
Special Mention [Member] | Lines of Credit [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans	0	568,000
Special Mention [Member] | Commercial Real Estate [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans	2,698,000	6,775,000
Special Mention [Member] | Commercial Non-Real Estate [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans	518,000	0
Special Mention [Member] | Home Equity [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans	0	115,000
Special Mention [Member] | Consumer [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans	0	0
Substandard [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans	40,780,000	31,333,000
Substandard [Member] | Residential Mortgage [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans	16,339,000	15,140,000
Substandard [Member] | Construction Acquisition and Development [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans	3,799,000	3,185,000
Substandard [Member] | Land [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans	625,000	145,000
Substandard [Member] | Lines of Credit [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans	2,819,000	1,878,000
Substandard [Member] | Commercial Real Estate [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans	14,607,000	8,322,000
Substandard [Member] | Commercial Non-Real Estate [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans	7,000	0
Substandard [Member] | Home Equity [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans	1,705,000	1,777,000
Substandard [Member] | Consumer [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans	879,000	886,000
Doubtful [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans	0	0
Doubtful [Member] | Residential Mortgage [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans	0	0
Doubtful [Member] | Construction Acquisition and Development [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans	0	0
Doubtful [Member] | Land [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans	0	0
Doubtful [Member] | Lines of Credit [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans	0	0
Doubtful [Member] | Commercial Real Estate [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans	0	0
Doubtful [Member] | Commercial Non-Real Estate [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans	0	0
Doubtful [Member] | Home Equity [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans	0	0
Doubtful [Member] | Consumer [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Total loans	$0	$0

Loans_Receivable_Classes_of_Lo1

Loans Receivable, Classes of Loan Portfolio by Aging Categories of Performing and Nonaccrual Loans (Details) (USD $)	Mar. 31, 2014	Dec. 31, 2013
Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans [Abstract]	'	'
30 to 59 Days Past Due	$6,769,000	$6,017,000
60 to 89 Days Past Due	912,000	4,637,000
90+ Days Past Due	8,493,000	8,027,000
Total Past Due	16,174,000	18,681,000
Current	638,010,000	632,071,000
Total loans	654,184,000	650,752,000
Non-Accrual	12,567,000	11,035,000
Residential Mortgage [Member]	'	'
Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans [Abstract]	'	'
30 to 59 Days Past Due	3,429,000	3,644,000
60 to 89 Days Past Due	815,000	4,471,000
90+ Days Past Due	5,562,000	5,506,000
Total Past Due	9,806,000	13,621,000
Current	255,899,000	245,298,000
Total loans	265,705,000	258,919,000
Non-Accrual	6,225,000	6,802,000
Construction Acquisition and Development [Member]	'	'
Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans [Abstract]	'	'
30 to 59 Days Past Due	0	0
60 to 89 Days Past Due	0	0
90+ Days Past Due	780,000	814,000
Total Past Due	780,000	814,000
Current	76,872,000	74,725,000
Total loans	77,652,000	75,539,000
Non-Accrual	780,000	814,000
Land [Member]	'	'
Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans [Abstract]	'	'
30 to 59 Days Past Due	0	29,000
60 to 89 Days Past Due	0	0
90+ Days Past Due	182,000	183,000
Total Past Due	182,000	212,000
Current	35,404,000	34,217,000
Total loans	35,586,000	34,429,000
Non-Accrual	182,000	183,000
Lines of Credit [Member]	'	'
Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans [Abstract]	'	'
30 to 59 Days Past Due	216,000	419,000
60 to 89 Days Past Due	0	0
90+ Days Past Due	238,000	66,000
Total Past Due	454,000	485,000
Current	18,836,000	21,113,000
Total loans	19,290,000	21,598,000
Non-Accrual	454,000	304,000
Commercial Real Estate [Member]	'	'
Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans [Abstract]	'	'
30 to 59 Days Past Due	0	724,000
60 to 89 Days Past Due	26,000	28,000
90+ Days Past Due	1,144,000	851,000
Total Past Due	1,170,000	1,603,000
Current	211,148,000	218,557,000
Total loans	212,318,000	220,160,000
Non-Accrual	1,144,000	1,155,000
Commercial Non-Real Estate [Member]	'	'
Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans [Abstract]	'	'
30 to 59 Days Past Due	2,294,000	1,000
60 to 89 Days Past Due	0	0
90+ Days Past Due	0	0
Total Past Due	2,294,000	1,000
Current	10,568,000	8,582,000
Total loans	12,862,000	8,583,000
Non-Accrual	2,294,000	0
Home Equity [Member]	'	'
Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans [Abstract]	'	'
30 to 59 Days Past Due	830,000	1,199,000
60 to 89 Days Past Due	71,000	138,000
90+ Days Past Due	587,000	607,000
Total Past Due	1,488,000	1,944,000
Current	28,228,000	28,395,000
Total loans	29,716,000	30,339,000
Non-Accrual	1,488,000	1,777,000
Consumer [Member]	'	'
Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans [Abstract]	'	'
30 to 59 Days Past Due	0	1,000
60 to 89 Days Past Due	0	0
90+ Days Past Due	0	'
Total Past Due	0	1,000
Current	1,055,000	1,184,000
Total loans	1,055,000	1,185,000
Non-Accrual	$0	$0

Loans_Receivable_Troubled_Debt

Loans Receivable, Troubled Debt Restructurings (Details) (USD $)

Mar. 31, 2014

Dec. 31, 2013

Mar. 31, 2014

Dec. 31, 2013

Mar. 31, 2014

Dec. 31, 2013

Mar. 31, 2014

Dec. 31, 2013

Mar. 31, 2014

Dec. 31, 2013

Mar. 31, 2014

Dec. 31, 2013

Mar. 31, 2014

Dec. 31, 2013

Mar. 31, 2014

Dec. 31, 2013

Mar. 31, 2014

Dec. 31, 2013

Mar. 31, 2014

Mar. 31, 2013

Mar. 31, 2014

Mar. 31, 2013

Mar. 31, 2014

Mar. 31, 2013

Mar. 31, 2014

Mar. 31, 2013

Mar. 31, 2014

Mar. 31, 2013

Mar. 31, 2014

Mar. 31, 2013

Mar. 31, 2014

Mar. 31, 2013

Mar. 31, 2014

Mar. 31, 2013

Mar. 31, 2014

Mar. 31, 2013

Mar. 31, 2014

Mar. 31, 2013

Mar. 31, 2014

Mar. 31, 2013

Mar. 31, 2014

Mar. 31, 2013

Mar. 31, 2014

Mar. 31, 2013

Mar. 31, 2014

Mar. 31, 2013

Mar. 31, 2014

Mar. 31, 2013

Mar. 31, 2014

Mar. 31, 2013

Mar. 31, 2014

Mar. 31, 2013

Mar. 31, 2014

Mar. 31, 2013

Mar. 31, 2014

Mar. 31, 2013

Contract

Contract

Residential Mortgage [Member]

Residential Mortgage [Member]

Construction Acquisition and Development [Member]

Construction Acquisition and Development [Member]

Land [Member]

Land [Member]

Lines of Credit [Member]

Lines of Credit [Member]

Commercial Real Estate [Member]

Commercial Real Estate [Member]

Commercial Non-Real Estate [Member]

Commercial Non-Real Estate [Member]

Home Equity [Member]

Home Equity [Member]

Consumer [Member]

Consumer [Member]

Troubled Debt Restructurings That Subsequently Defaulted [Member]

Troubled Debt Restructurings That Subsequently Defaulted [Member]

Pre-Modification [Member]

Pre-Modification [Member]

Pre-Modification [Member]

Pre-Modification [Member]

Pre-Modification [Member]

Pre-Modification [Member]

Pre-Modification [Member]

Pre-Modification [Member]

Pre-Modification [Member]

Pre-Modification [Member]

Pre-Modification [Member]

Pre-Modification [Member]

Pre-Modification [Member]

Pre-Modification [Member]

Pre-Modification [Member]

Pre-Modification [Member]

Pre-Modification [Member]

Pre-Modification [Member]

Post Modification [Member]

Post Modification [Member]

Post Modification [Member]

Post Modification [Member]

Post Modification [Member]

Post Modification [Member]

Post Modification [Member]

Post Modification [Member]

Post Modification [Member]

Post Modification [Member]

Post Modification [Member]

Post Modification [Member]

Post Modification [Member]

Post Modification [Member]

Post Modification [Member]

Post Modification [Member]

Post Modification [Member]

Post Modification [Member]

Contract

Contract

Contract

Contract

Contract

Contract

Contract

Contract

Contract

Contract

Contract

Contract

Contract

Contract

Contract

Contract

Residential Mortgage [Member]

Residential Mortgage [Member]

Contract

Contract

Residential Mortgage [Member]

Residential Mortgage [Member]

Construction Acquisition and Development [Member]

Construction Acquisition and Development [Member]

Land [Member]

Land [Member]

Lines of Credit [Member]

Lines of Credit [Member]

Commercial Real Estate [Member]

Commercial Real Estate [Member]

Commercial Non-Real Estate [Member]

Commercial Non-Real Estate [Member]

Home Equity [Member]

Home Equity [Member]

Consumer [Member]

Consumer [Member]

Contract

Contract

Residential Mortgage [Member]

Residential Mortgage [Member]

Construction Acquisition and Development [Member]

Construction Acquisition and Development [Member]

Land [Member]

Land [Member]

Lines of Credit [Member]

Lines of Credit [Member]

Commercial Real Estate [Member]

Commercial Real Estate [Member]

Commercial Non-Real Estate [Member]

Commercial Non-Real Estate [Member]

Home Equity [Member]

Home Equity [Member]

Consumer [Member]

Consumer [Member]

Contract

Contract

Contract

Contract

Contract

Contract

Contract

Contract

Contract

Contract

Contract

Contract

Contract

Contract

Contract

Contract

Contract

Contract

Contract

Contract

Contract

Contract

Contract

Contract

Contract

Contract

Contract

Contract

Contract

Contract

Contract

Contract

Contract

Contract

Financing Receivable, Modifications [Line Items]

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Number of Contracts

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'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

0

4

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'

'

'

'

'

'

'

'

'

'

'

Pre-Modification Outstanding Recorded Investment

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

$1,757,000

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Post-Modification Outstanding Recorded Investment

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

1,050,000

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Newly restructured loans during the period [Abstract]

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Rate Modification

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

Contracts

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

Combination Modifications

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

949,000

3,115,000

598,000

3,115,000

0

0

0

0

0

0

351,000

0

0

0

0

0

0

0

791,000

2,401,000

446,000

2,401,000

0

0

0

0

0

0

345,000

0

0

0

0

0

0

0

Contracts

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

3

5

2

5

0

0

0

0

0

0

1

0

0

0

0

0

0

0

3

5

2

5

0

0

0

0

0

0

1

0

0

0

0

0

0

0

Total

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

949,000

3,115,000

598,000

3,115,000

0

0

0

0

0

0

351,000

0

0

0

0

0

0

0

791,000

2,401,000

446,000

2,401,000

0

0

0

0

0

0

345,000

0

0

0

0

0

0

0

Total Contracts

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

3

5

2

5

0

0

0

0

0

0

1

0

0

0

0

0

0

0

3

5

2

5

0

0

0

0

0

0

1

0

0

0

0

0

0

0

Method used to account for interest on TDRs [Abstract]

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Number of Contracts

79

79

67

66

2

3

5

5

0

0

5

5

0

0

0

0

0

0

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Accrual Status

34,021,000

35,239,000

27,622,000

28,966,000

1,626,000

1,994,000

941,000

1,080,000

0

0

3,832,000

3,199,000

0

0

0

0

0

0

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Number of Contracts

9

9

5

5

1

1

1

2

0

0

2

1

0

0

0

0

0

0

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Non-Accrual Status

2,018,000

1,679,000

881,000

856,000

670,000

705,000

6,000

6,000

0

0

461,000

112,000

0

0

0

0

0

0

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Total Number of Contracts

88

88

72

71

3

4

6

7

0

0

7

6

0

0

0

0

0

0

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Total Modifications

$36,039,000

$36,918,000

$28,503,000

$29,822,000

$2,296,000

$2,699,000

$947,000

$1,086,000

$0

$0

$4,293,000

$3,311,000

$0

$0

$0

$0

$0

$0

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Loans_Receivable_Financial_Ins

Loans Receivable, Financial Instruments Whose Contract Amounts Represent Credit Risk (Details) (USD $)	3 Months Ended	12 Months Ended
	Mar. 31, 2014	Dec. 31, 2013
Standby Letters of Credit [Member]	'	'
Financial instruments whose contract amount represents credit risk [Abstract]	'	'
Off-balance sheet credit risk	$13,979,000	$14,719,000
Home Equity Lines of Credit [Member]	'	'
Financial instruments whose contract amount represents credit risk [Abstract]	'	'
Off-balance sheet credit risk	12,168,000	12,345,000
Loan expiry period	'10 years	'
Unadvanced Construction Commitments [Member]	'	'
Financial instruments whose contract amount represents credit risk [Abstract]	'	'
Off-balance sheet credit risk	36,598,000	34,023,000
Fixed rate loan commitments	5,165,000	4,193,000
Fixed interest rate, minimum (in hundredths)	3.25%	3.63%
Fixed interest rate, maximum (in hundredths)	4.75%	5.25%
Floating rate loan commitments	100,000	0
Mortgage Loan Commitments [Member]	'	'
Financial instruments whose contract amount represents credit risk [Abstract]	'	'
Off-balance sheet credit risk	5,265,000	4,193,000
Lines of Credit [Member]	'	'
Financial instruments whose contract amount represents credit risk [Abstract]	'	'
Off-balance sheet credit risk	24,887,000	30,965,000
Loans Sold with Limited Repurchase Provision [Member]	'	'
Financial instruments whose contract amount represents credit risk [Abstract]	'	'
Off-balance sheet credit risk	19,216,000	28,134,000
Loans receivable held-for-sale, amount	$18,193,000	$116,788,000

Fair_Value_of_Financial_Instru2

Fair Value of Financial Instruments (Details) (USD $)	Mar. 31, 2014	Dec. 31, 2013	Mar. 31, 2013
	Loan		Loan
Fair Value of Financial Instruments [Abstract]	'	'	'
Impaired loan balance	$17,436,000	$19,856,000	'
Valuation allowances	2,546,000	3,303,000	'
Impaired loan balance with partial charge-offs	10,364,000	'	'
Recurring Fair Value Measurements [Abstract]	'	'	'
Liabilities required to be remeasured on a non recurring basis	0	0	'
Number of loans that did not require a specific reserve	1	'	6
Nonrecurring [Member]	'	'	'
Nonrecurring fair value measurements [Abstract]	'	'	'
Impaired loans	14,890,000	16,553,000	'
Foreclosed real estate	4,846,000	8,972,000	'
Total nonrecurring fair value measurements	19,736,000	25,525,000	'
Recurring [Member]	'	'	'
Recurring Fair Value Measurements [Abstract]	'	'	'
Mortgage servicing rights	724,000	723,000	'
Level 1 [Member]	'	'	'
Recurring Fair Value Measurements [Abstract]	'	'	'
Mortgage servicing rights	0	0	'
Level 1 [Member] | Nonrecurring [Member]	'	'	'
Nonrecurring fair value measurements [Abstract]	'	'	'
Impaired loans	0	0	'
Foreclosed real estate	0	0	'
Total nonrecurring fair value measurements	0	0	'
Level 2 [Member]	'	'	'
Recurring Fair Value Measurements [Abstract]	'	'	'
Mortgage servicing rights	0	0	'
Level 2 [Member] | Nonrecurring [Member]	'	'	'
Nonrecurring fair value measurements [Abstract]	'	'	'
Impaired loans	0	0	'
Foreclosed real estate	0	0	'
Total nonrecurring fair value measurements	0	0	'
Level 3 [Member]	'	'	'
Recurring Fair Value Measurements [Abstract]	'	'	'
Mortgage servicing rights	724,000	723,000	'
Level 3 [Member] | Nonrecurring [Member]	'	'	'
Nonrecurring fair value measurements [Abstract]	'	'	'
Impaired loans	14,890,000	16,553,000	'
Foreclosed real estate	4,846,000	8,972,000	'
Total nonrecurring fair value measurements	19,736,000	25,525,000	'
Level 3 [Member] | Recurring [Member]	'	'	'
Recurring Fair Value Measurements [Abstract]	'	'	'
Mortgage servicing rights	$724,000	$723,000	'

Fair_Value_of_Financial_Instru3

Fair Value of Financial Instruments, Roll Forward of Level 3 Assets (Details) (USD $)	3 Months Ended		12 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014		Dec. 31, 2013
Impaired Loans [Member] | PV of future cash flows [Member]	'		'
Quantitative Information about Level 3 Fair Value Measurements [Abstract]	'		'
Fair Value Estimate	$13,888		$15,942
Valuation Techniques	'PV of future cash flows	[1]	'PV of future cash flows	[1]
Unobservable Input	'Discount rate		'Discount rate
Discount rate (in hundredths)	-6.00%		-6.00%
Impaired Loans [Member] | Appraisal of collateral [Member]	'		'
Quantitative Information about Level 3 Fair Value Measurements [Abstract]	'		'
Fair Value Estimate	1,002		611
Valuation Techniques	'Appraisal of collateral	[2]	'Appraisal of collateral	[2]
Unobservable Input	'Liquidation expenses	[3]	'Liquidation expenses	[3]
Range and weighted average of liquidation expenses (in hundredths)	-6.00%		-6.00%
Foreclosed Real Estate [Member] | Appraisal of collateral [Member]	'		'
Quantitative Information about Level 3 Fair Value Measurements [Abstract]	'		'
Fair Value Estimate	4,846		8,972
Valuation Techniques	'Appraisal of collateral	[2],[4]	'Appraisal of collateral	[2],[4]
Unobservable Input	'Appraisal adjustments	[3]	'Appraisal adjustments	[3]
Mortgage Servicing Rights [Member] | Market Approach [Member]	'		'
Quantitative Information about Level 3 Fair Value Measurements [Abstract]	'		'
Fair Value Estimate	$724		$723
Valuation Techniques	'Market approach		'Market approach
Unobservable Input	'Weighted average prepayment speed		'Weighted average prepayment speed
Weighted average prepayment speed (in hundredths)	8.10%		8.30%
Minimum [Member] | Foreclosed Real Estate [Member] | Appraisal of collateral [Member]	'		'
Quantitative Information about Level 3 Fair Value Measurements [Abstract]	'		'
Range and weighted average of appraisal adjustments (in hundredths)	-6.00%		-6.00%
Maximum [Member] | Foreclosed Real Estate [Member] | Appraisal of collateral [Member]	'		'
Quantitative Information about Level 3 Fair Value Measurements [Abstract]	'		'
Range and weighted average of appraisal adjustments (in hundredths)	-21.01%		-44.08%
Weighted Average [Member] | Foreclosed Real Estate [Member] | Appraisal of collateral [Member]	'		'
Quantitative Information about Level 3 Fair Value Measurements [Abstract]	'		'
Range and weighted average of appraisal adjustments (in hundredths)	-15.18%		-12.69%
[1]	Cash flow which generally include various level 3 inputs which are not identifiable.
[2]	Fair value is generally determined through independent appraisals for the underlying collateral, which generally include various level 3 inputs which are not identifiable.
[3]	Appraisals may be adjusted by management for qualitative factors such as economic conditions and estimated liquidation expenses. The range and weighted average of liquidation expenses and other appraisal adjustments are presented as a percent of the appraisal.
[4]	Includes qualitative adjustments by management and estimated liquidation expenses.

Fair_Value_of_Financial_Instru4

Fair Value of Financial Instruments, Assets, Quantitative Information (Details) (USD $)	Mar. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Quoted Prices in Active Markets For Identical Assets (Level 1) [Member]	'	'
Financial Assets [Abstract]	'	'
Cash and cash equivalents	$93,920	$98,376
Investment securities (HTM)	0	0
Loans held for sale	0	0
Loans receivable, net	0	0
FHLB stock	0	0
Accrued interest receivable	0	0
Mortgage servicing rights	0	0
Financial Liabilities [Abstract]	'	'
Deposits	0	0
FHLB advances	0	0
Subordinated debentures	0	0
Accrued interest payable	0	0
Off Balance Sheet Commitments	0	0
Significant Other Observable Inputs (Level 2) [Member]	'	'
Financial Assets [Abstract]	'	'
Cash and cash equivalents	0	0
Investment securities (HTM)	44,145	45,213
Loans held for sale	6,156	3,726
Loans receivable, net	0	0
FHLB stock	5,891	6,190
Accrued interest receivable	2,353	2,353
Mortgage servicing rights	0	0
Financial Liabilities [Abstract]	'	'
Deposits	564,608	573,371
FHLB advances	107,354	106,876
Subordinated debentures	0	0
Accrued interest payable	1,498	1,375
Off Balance Sheet Commitments	0	0
Significant Unobservable Inputs (Level 3) [Member]	'	'
Financial Assets [Abstract]	'	'
Cash and cash equivalents	0	0
Investment securities (HTM)	0	0
Loans held for sale	0	0
Loans receivable, net	643,948	631,032
FHLB stock	0	0
Accrued interest receivable	0	0
Mortgage servicing rights	724	723
Financial Liabilities [Abstract]	'	'
Deposits	0	0
FHLB advances	0	0
Subordinated debentures	24,119	24,119
Accrued interest payable	0	0
Off Balance Sheet Commitments	0	0
Carrying Amount [Member]	'	'
Financial Assets [Abstract]	'	'
Cash and cash equivalents	93,920	98,376
Investment securities (HTM)	43,535	44,661
Loans held for sale	6,156	3,726
Loans receivable, net	603,761	602,813
FHLB stock	5,891	6,190
Accrued interest receivable	2,353	2,353
Mortgage servicing rights	724	723
Financial Liabilities [Abstract]	'	'
Deposits	562,964	571,249
FHLB advances	115,000	115,000
Subordinated debentures	24,119	24,119
Accrued interest payable	1,498	1,375
Off Balance Sheet Commitments	0	0
Fair Value [Member]	'	'
Financial Assets [Abstract]	'	'
Cash and cash equivalents	93,920	98,376
Investment securities (HTM)	44,145	45,213
Loans held for sale	6,156	3,726
Loans receivable, net	643,948	631,032
FHLB stock	5,891	6,190
Accrued interest receivable	2,353	2,353
Mortgage servicing rights	724	723
Financial Liabilities [Abstract]	'	'
Deposits	564,608	573,371
FHLB advances	107,354	106,876
Subordinated debentures	24,119	24,119
Accrued interest payable	1,498	1,375
Off Balance Sheet Commitments	$0	$0