REGULATORY MATTERS (Tables)

12 Months Ended

Dec. 31, 2013

The actual capital amounts and ratios are also presented in the following table. No amounts were deducted from capital for interest-rate risk in either year.


											Minimum
											To Be Well
						Minimum					Capitalized Under
						For Capital					Prompt Corrective
	Actual					Adequacy Purposes:					Action Provisions:
(Dollars in thousands)	Amount		Ratio			Amount		Ratio			Amount		Ratio
As of December 31, 2013:
Total capital (to risk weighted assets)	$	51,780		16.11	%	$	25,713		8.00	%	$	32,141		10.00	%
Tier I capital (to risk weighted assets)	$	47,751		14.86	%		N/A				$	19,285		6.00	%
Tier I capital (to adjusted total assets)	$	47,751		10.89	%	$	17,534		4.00	%	$	21,917		5.00	%
Tangible capital (to adjusted total assets)	$	47,751		10.89	%	$	6,575		1.50	%		N/A
As of December 31, 2012:
Total capital (to risk weighted assets)	$	49,347		15.60	%	$	25,307		8.00	%	$	31,634		10.00	%
Tier I capital (to risk weighted assets)	$	45,383		14.35	%		N/A				$	18,980		6.00	%
Tier I capital (to adjusted total assets)	$	45,383		10.00	%	$	18,149		4.00	%	$	22,686		5.00	%
Tangible capital (to adjusted total assets)	$	45,383		10.00	%	$	6,806		1.50	%		N/A

- Definition

Tabular disclosure of the capital amounts and ratios as of the balance sheet date, indicating whether the entity or entities are in compliance with regulatory capital requirements, by entity.

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