DEPOSITS (Tables)

9 Months Ended

Sep. 30, 2013

Deposits [Abstract]

Schedule Of Deposits [Table Text Block]

A summary of deposits at September 30, 2013 and December 31, 2012 consisted of the following:

	September 30, 2013				December 31, 2012
	Amount		Percent		Amount		Percent
Noninterest bearing demand deposits	$	66,633	17.2	%	$	70,300	17.4	%
Interest bearing deposits
Now accounts and money market accounts		48,676	12.5	%		38,965	9.7	%
Savings accounts		117,376	30.3	%		117,259	29.1	%
Time certificates, less than $100,000		94,013	24.2	%		105,893	26.3	%
Time certificates, $100,000 or more		61,300	15.8	%		70,485	17.5	%
Total interest bearing deposits		321,365	82.8	%		332,602	82.6	%
Total deposits	$	387,998	100.0	%	$	402,902	100.0	%

Schedule Of Maturities Deposits [Table Text Block]

Scheduled maturities of certificates of deposit are as follows:

	At September 30, 2013		At December 31, 2012
Three months or less	$	22,378	$	29,644
Over three months through twelve months		54,233		60,729
Over one year through three years		47,796		44,433
Over three years		30,906		41,572
	$	155,313	$	176,378