REGULATORY MATTERS (Tables)

12 Months Ended

Dec. 31, 2014

Regulatory Capital Requirements [Abstract]

Disclosure Related To Capital To Risk Weighted Asset [Table Text Block]

The minimum requirements are:    

	Capital to risk-weighted assets				Tier 1 capital
	Total		Tier 1		to average assets
Well capitalized	10	%	6	%	5	%
Adequately capitalized	8	%	4	%	4	%
Undercapitalized	6	%	3	%	3	%

Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations [Table Text Block]

At year-end 2014, actual capital levels and minimum required levels for the Bank were as follows:

					Minimum Required				Minimum Required
(Dollars in thousands)					For Capital				To Be Well
	Actual				Adequacy Purposes				Capitalized
December 31, 2014	Amount		Ratio		Amount		Ratio		Amount		Ratio
Total capital (to risk-weighted assets)	$	36,667	13.1	%	$	22,431	8.0	%	$	28,039	10.0	%
Tier 1 capital (to risk-weighted assets)	$	33,154	11.8	%	$	11,216	4.0	%	$	16,824	6.0	%
Tier 1 capital (to average assets)	$	33,154	10.1	%	$	13,169	4.0	%	$	16,461	5.0	%

At year-end 2013, actual capital levels and minimum required levels, for the Bank were as follows:    

					Minimum Required				Minimum Required
(Dollars in thousands)					For Capital				To Be Well
	Actual				Adequacy Purposes				Capitalized
December 31, 2013	Amount		Ratio		Amount		Ratio		Amount		Ratio
Total capital (to risk-weighted assets)	$	33,968	12.6	%	$	21,507	8.0	%	$	26,884	10.0	%
Tier 1 capital (to risk-weighted assets)	$	30,595	11.4	%	$	10,754	4.0	%	$	16,130	6.0	%
Tier 1 capital (to average assets)	$	30,595	9.8	%	$	12,508	4.0	%	$	15,635	5.0	%