CAPITAL ADEQUACY (Tables)

9 Months Ended

Sep. 30, 2014

CAPITAL ADEQUACY [Abstract]

Capital Adequacy Standards Required to be Maintained by Banks and Bank Holding Companies

The following table presents the capital ratios and related information for the Company and the Bank as of September 30, 2014 and December 31, 2013:

(Dollars in thousands)	Actual					For Capital Adequacy Purposes					Minimum To Be Well  Capitalized Under  Prompt Corrective Action Provisions
September 30, 2014	Amount		Ratio			Amount		Ratio			Amount		Ratio
Total capital to risk-weighted assets:
Consolidated	$	57,093		15.56	%	$	29,360		8	%		N/A		N/A
Bank		55,246		15.07	%		29,336		8		$	36,670		10.00	%
Tier 1 (Core) capital to risk-weighted assets:
Consolidated		48,442		13.20	%		14,680		4			N/A		N/A
Bank		50,532		13.78	%		14,668		4			22,002		6.00
Tier 1 (Core) capital to average assets:
Consolidated		48,442		9.71	%		19,963		4			N/A		N/A
Bank		50,532		10.14	%		19,933		4			24,916		5.00

	Actual					For Capital Adequacy Purposes					Minimum To Be Well  Capitalized Under Prompt Corrective Action Provisions
December 31, 2013	Amount		Ratio			Amount		Ratio			Amount		Ratio
Total capital to risk-weighted assets:
Consolidated	$	55,515		14.91	%	$	29,779		8.00	%		N/A		N/A
Bank		52,488		14.11			29,754		8.00		$	37,192		10.00	%
Tier 1 (Core) capital to risk-weighted assets:
Consolidated		46,378		12.46			14,889		4.00			N/A		N/A
Bank		47,702		12.83			14,887		4.00			22,315		6.00
Tier 1 (Core) capital to average assets:
Consolidated		46,378		9.05			20,491		4.00			N/A		N/A
Bank		47,702		9.33			20,443		4.00			25,553		5.00