CAPITAL ADEQUACY (Tables)

9 Months Ended

Sep. 30, 2015

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 in accordance with Basel III as of September 30, 2015 and Basel I as of December 31, 2014:

(dollars in thousands)	Actual					For Capital Adequacy Purposes					Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions
September 30, 2015	Amount		Ratio			Amount		Ratio			Amount		Ratio
Total capital to risk-weighted assets:
Consolidated	$	64,009		15.67	%	$	32,686		8.00	%		N/A		N/A
Bank		63,370		15.52			32,670		8.00		$	40,838		10.00	%
Tier 1 (Core) capital to risk-weighted assets:
Consolidated		56,442		13.81			24,515		6.00			N/A		N/A
Bank		58,173		14.24			24,503		6.00			32,670		8.00
Common equity Tier I capital (CET1):
Consolidated		56,442		13.81			18,386		4.50			N/A		N/A
Bank		58,173		14.24			18,377		4.50			26,545		6.50
Tier I (Core) capital to average assets:
Consolidated		56,442		11.35			19,896		4.00			N/A		N/A
Bank		58,173		11.71			19,871		4.00			24,839		5.00

	Actual					For Capital Adequacy Purposes					Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions
December 31, 2014	Amount		Ratio			Amount		Ratio			Amount		Ratio
Total capital to risk-weighted assets:
Consolidated	$	57,949		15.13	%	$	30,643		8.00	%		N/A		N/	A
Bank		56,400		14.74			30,619		8.00		$	38,274		10.00	%
Tier 1 (Core) capital to risk-weighted assets:
Consolidated		49,290		12.87			15,322		4.00			N/A		N/	A
Bank		51,497		13.45			15,310		4.00			22,964		6.00
Tier 1 (Core) capital to average assets:
Consolidated		49,290		9.85			20,014		4.00			N/A		N/	A
Bank		51,497		10.31			19,980		4.00			24,975		5.00