SELECTED QUARTERLY CONSOLIDATED FINANCIAL DATA (Tables)

12 Months Ended

Dec. 31, 2013

SELECTED QUARTERLY CONSOLIDATED FINANCIAL DATA [Abstract]

Schedule of Quarterly Financial Data

2013 QUARTER ENDED

DEC. 31

SEPT. 30

JUNE 30

MARCH 31

(IN THOUSANDS, EXCEPT PER SHARE DATA)

Interest income

10,203

9,811

9,627

9,702

Interest expense

1,605

1,611

1,606

1,660

Net interest income

8,598

8,200

8,021

8,042

Provision (credit) for loan losses

(1,000)

150

(250)

Net interest income after provision (credit) for loan losses

9,598

8,200

7,871

8,292

Non-interest income

3,867

3,986

4,075

3,816

Non-interest expense

10,746

10,413

10,442

10,622

Income before income taxes

2,719

1,773

1,504

1,486

Provision for income taxes

878

547

434

430

Net income

1,841

1,226

1,070

1,056

Basic earnings per common share

0.10

0.06

0.05

Diluted earnings per common share

0.09

0.06

0.05

Cash dividends declared per common share

0.01

0.00


	2012 QUARTER ENDED
	DEC. 31		SEPT. 30			JUNE 30			MARCH 31
	(IN THOUSANDS, EXCEPT PER SHARE DATA)
Interest income	$	9,878	$	10,030		$	9,885		$	10,124
Interest expense		1,796		1,888			1,964			2,066
Net interest income		8,082		8,142			7,921			8,058
Provision (credit) for loan losses		550		(200	)		(500	)		(625	)
Net interest income after provision (credit) for loan losses		7,532		8,342			8,421			8,683
Non-interest income		3,887		3,649			3,733			3,674
Non-interest expense		10,373		10,087			10,067			10,114
Income before income taxes		1,046		1,904			2,087			2,243
Provision for income taxes		311		597			655			678
Net income	$	735	$	1,307		$	1,432		$	1,565
Basic earnings per common share	$	0.04	$	0.05		$	0.06		$	0.06
Diluted earnings per common share		0.04		0.05			0.06			0.06
Cash dividends declared per common share		0.00		0.00			0.00			0.00