CAPITAL REQUIREMENTS (Tables)

12 Months Ended

Dec. 31, 2014

CAPITAL REQUIREMENTS

Schedule of Company's and the Bank's actual amounts and ratios

										To Be Well
										Capitalized
										Under Prompt
				For Capital						Corrective
	Actual				Adequacy Purposes					Action Provisions
	Amount		Ratio		Amount			Ratio		Amount		Ratio
	(Dollars in Thousands)
2014
Consolidated
Total Capital (to Risk-Weighted Assets)	$	77,016	13.1	%		$	47,208	8	%	N/A		N/A
Tier I Capital (to Risk-Weighted Assets)	70,917		12.0			23,604		4		N/A		N/A
Tier I Capital (to Average Assets)	70,917		8.7			32,497		4		N/A		N/A
Bank Only
Total Capital (to Risk-Weighted Assets)	$	74,575	12.6	%		$	47,184	8	%	$	58,980	10	%
Tier I Capital (to Risk-Weighted Assets)	68,476		11.6			23,592		4		35,388		6
Tier I Capital (to Average Assets)	68,476		8.4			32,442		4		40,553		5
2013
Consolidated
Total Capital (to Risk-Weighted Assets)	$	71,993	14.1	%		$	40,872	8	%	N/A		N/A
Tier I Capital (to Risk-Weighted Assets)	66,468		13.0			20,436		4		N/A		N/A
Tier I Capital (to Average Assets)	66,468		8.8			30,079		4		N/A		N/A
Bank Only
Total Capital (to Risk-Weighted Assets)	$	70,827	13.9	%		$	40,859	8	%	$	51,073	10	%
Tier I Capital (to Risk-Weighted Assets)	65,302		12.8			20,429		4		30,644		6
Tier I Capital (to Average Assets)	65,302		8.7			30,070		4		37,588		5