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ALLOWANCE FOR LOAN LOSSES (Tables)

12 Months Ended

Dec. 31, 2013

ALLOWANCE FOR LOAN LOSSES [Abstract]

Rollforward of the Allowance for Loan Losses by Portfolio Segment

		BALANCE AT DECEMBER 31, 2012				CHARGE- OFFS				RECOVERIES				PROVISION (CREDIT)				BALANCE AT DECEMBER 31, 2013
Commercial		$	2,596			$	(50)			$	80			$	218			$	2,844
Commercial loans secured by real estate			7,796				(1,777)				481				(1,615)				4,885
Real estate-mortgage			1,269				(139)				122				8				1,260
Consumer			150				(154)				70				70				136
Allocation for general risk			760				-				-				219				979
Total		$	12,571			$	(2,120)			$	753			$	(1,100)			$	10,104

		BALANCE AT DECEMBER 31, 2011				CHARGE- OFFS				RECOVERIES				PROVISION (CREDIT)				BALANCE AT DECEMBER 31, 2012
Commercial		$	2,365			$	(345	)		$	138			$	438			$	2,596
Commercial loans secured by real estate			9,400				(796	)			245				(1,053	)			7,796
Real estate-mortgage			1,270				(420	)			54				365				1,269
Consumer			174				(200	)			47				129				150
Allocation for general risk			1,414				-				-				(654	)			760
Total		$	14,623			$	(1,761	)		$	484			$	(775	)		$	12,571

		BALANCE AT DECEMBER 31, 2010				CHARGE- OFFS				RECOVERIES				PROVISION (CREDIT)				BALANCE AT DECEMBER 31, 2011
Commercial		$	3,851			$	(953	)		$	831			$	(1,364	)		$	2,365
Commercial loans secured by real estate			12,717				(1,700	)			331				(1,948	)			9,400
Real estate-mortgage			1,117				(85	)			53				185				1,270
Consumer			206				(203	)			159				12				174
Allocation for general risk			1,874				-				-				(460	)			1,414
Total		$	19,765			$	(2,941	)		$	1,374			$	(3,575	)		$	14,623

Summary of Primary Segments of Loan Portfolio

		AT DECEMBER 31, 2013
		(IN THOUSANDS)
		COMMERCIAL				COMMERCIAL LOANS SECURED BY REAL ESTATE				REAL ESTATE- MORTGAGE				CONSUMER				TOTAL
Loans:
Individually evaluated for impairment		$	-			$	3,005			$	-			$	61			$	3,066
Collectively evaluated for impairment			120,102				408,686				235,689				15,803				780,280
Total loans		$	120,102			$	411,691			$	235,689			$	15,864			$	783,346

		AT DECEMBER 31, 2013
		(IN THOUSANDS)
		COMMERCIAL				COMMERCIAL LOANS SECURED BY REAL ESTATE				REAL ESTATE- MORTGAGE				CONSUMER				ALLOCATION FOR GENERAL RISK				TOTAL
Allowance for loan losses:
Specific reserve allocation		$	-			$	812			$	-			$	1			$	-			$	813
General reserve allocation			2,844				4,073				1,260				135				979				9,291
Total allowance for loan losses		$	2,844			$	4,885			$	1,260			$	136			$	979			$	10,104

		AT DECEMBER 31, 2012
		(IN THOUSANDS)
		COMMERCIAL				COMMERCIAL LOANS SECURED BY REAL ESTATE				REAL ESTATE- MORTGAGE				CONSUMER				TOTAL
Loans:
Individually evaluated for impairment		$	-			$	4,793			$	-			$	13			$	4,806
Collectively evaluated for impairment			102,822				378,546				217,584				17,407				716,359
Total loans		$	102,822			$	383,339			$	217,584			$	17,420			$	721,165

		AT DECEMBER 31, 2012
		(IN THOUSANDS)
		COMMERCIAL				COMMERCIAL LOANS SECURED BY REAL ESTATE				REAL ESTATE- MORTGAGE				CONSUMER				ALLOCATION FOR GENERAL RISK				TOTAL
Allowance for loan losses:
Specific reserve allocation		$	-			$	1,586			$	-			$	-			$	-			$	1,586
General reserve allocation			2,596				6,210				1,269				150				760				10,985
Total allowance for loan losses		$	2,596			$	7,796			$	1,269			$	150			$	760			$	12,571

Schedule of Impaired Loans by Class

		DECEMBER 31, 2013
		IMPAIRED LOANS WITH SPECIFIC ALLOWANCE								IMPAIRED LOANS WITH NO SPECIFIC ALLOWANCE				TOTAL IMPAIRED LOANS
		RECORDED INVESTMENT				RELATED ALLOWANCE				RECORDED INVESTMENT				RECORDED INVESTMENT				UNPAID PRINCIPAL BALANCE
		(IN THOUSANDS)
Commercial loans secured by real estate		$	3,005			$	812			$	-			$	3,005			$	3,118
Consumer			61				1				-				61				61
Total impaired loans		$	3,066			$	813			$	-			$	3,066			$	3,179

		DECEMBER 31, 2012
		IMPAIRED LOANS WITH SPECIFIC ALLOWANCE								IMPAIRED LOANS WITH NO SPECIFIC ALLOWANCE				TOTAL IMPAIRED LOANS
		RECORDED INVESTMENT				RELATED ALLOWANCE				RECORDED INVESTMENT				RECORDED INVESTMENT				UNPAID PRINCIPAL BALANCE
		(IN THOUSANDS)
Commercial loans secured by real estate		$	4,239			$	1,586			$	554			$	4,793			$	4,850
Consumer			-				-				13				13				13
Total impaired loans		$	4,239			$	1,586			$	567			$	4,806			$	4,863

Average Recorded Investment in Impaired Loans and Related Interest Income Recognized

		YEAR ENDED DECEMBER 31,
		2013				2012				2011
		(IN THOUSANDS)
Average impaired balance:
Commercial		$	13			$	13			$	503
Commercial loans secured by real estate			2,459				3,754				4,479
Consumer			37				3				-
Average investment in impaired loans		$	2,509			$	3,770			$	4,982
Interest income recognized:
Commercial		$	-			$	-			$	17
Commercial loans secured by real estate			11				-				150
Consumer			3				-				-
Interest income recognized on a cash basis on impaired loans		$	14			$	-			$	167

Loan Portfolio Summarized by Categories

		December 31, 2013
		PASS				SPECIAL MENTION				SUBSTANDARD				DOUBTFUL				TOTAL
		(IN THOUSANDS)
Commercial		$	108,623			$	8,880			$	2,599			$	-			$	120,102
Commercial loans secured by real estate			396,788				6,961				7,482				460				411,691
Total		$	505,411			$	15,841			$	10,081			$	460			$	531,793

		December 31, 2012
		PASS				SPECIAL MENTION				SUBSTANDARD				DOUBTFUL				TOTAL
		(IN THOUSANDS)
Commercial		$	99,886			$	28			$	2,908			$	-			$	102,822
Commercial loans secured by real estate			343,885				20,836				17,010				1,608				383,339
Total		$	443,771			$	20,864			$	19,918			$	1,608			$	486,161

Performing and Non-performing Outstanding Balances

		December 31, 2013
		PERFORMING				NON- PERFORMING
		(IN THOUSANDS)
Real estate-mortgage		$	234,450			$	1,239
Consumer			15,803				61
Total		$	250,253			$	1,300

		December 31, 2012
		PERFORMING				NON- PERFORMING
		(IN THOUSANDS)
Real estate-mortgage		$	216,393			$	1,191
Consumer			17,407				13
Total		$	233,800			$	1,204

Classes of Loan Portfolio by Aging Categories

		December 31, 2013
		CURRENT				30 - 59 DAYS PAST DUE				60 - 89 DAYS PAST DUE				90 DAYS PAST DUE				TOTAL PAST DUE				TOTAL LOANS				90 DAYS PAST DUE AND STILL ACCRUING
		(IN THOUSANDS)
Commercial		$	120,102			$	-			$	-			$	-			$	-			$	120,102			$	-
Commercial loans secured by real estate			410,619				457				-				615				1,072				411,691				-
Real estate-mortgage			231,740				2,232				670				1,047				3,949				235,689				-
Consumer			15,804				33				27				-				60				15,864				-
Total		$	778,265			$	2,722			$	697			$	1,662			$	5,081			$	783,346			$	-

		December 31, 2012
		CURRENT				30 - 59 DAYS PAST DUE				60 - 89 DAYS PAST DUE				90 DAYS PAST DUE				TOTAL PAST DUE				TOTAL LOANS				90 DAYS PAST DUE AND STILL ACCRUING
		(IN THOUSANDS)
Commercial		$	102,775			$	-			$	47			$	-			$	47			$	102,822			$	-
Commercial loans secured by real estate			379,834				-				2,545				960				3,505				383,339				-
Real estate-mortgage			213,300				3,240				303				741				4,284				217,584				-
Consumer			17,371				16				33				-				49				17,420				-
Total		$	713,280			$	3,256			$	2,928			$	1,701			$	7,885			$	721,165			$	-

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Tabular disclosure of financing receivables (examples of financing receivables include loans, trade accounts receivable and notes receivable) and activity in the allowance for credit losses account.

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-Publisher FASB

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-SubTopic 10

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Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics.

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Tabular disclosure of financing receivables that are past due but not impaired, financing receivables that are 90 days past due and still accruing, and financing receivables on nonaccrual status.

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