CONSOLIDATED BALANCE SHEETS (USD $)	Dec. 31, 2014	Dec. 31, 2013
ASSETS
Cash and due from banks	$ 2,382,000	$ 3,290,000
Short-term investments	2,536,000	3,005,000
Total cash and cash equivalents	4,918,000	6,295,000
Securities available for sale, at fair value	19,526,000	18,281,000
Securities held to maturity, at amortized cost (fair value of $916 at December 31, 2014 and $1,136 at December 31, 2013)	837,000	1,050,000
Federal Home Loan Bank stock, at cost	2,907,000	2,907,000
Loans held for sale	990,000	1,001,000
Loans, net of allowance for loan losses of $2,229 at December 31, 2014 and $2,396 at December 31, 2013	231,293,000	223,912,000
Premises and equipment, net	3,819,000	3,669,000
Accrued interest receivable	752,000	729,000
Bank-owned life insurance	2,999,000	2,898,000
Other assets	2,979,000	2,291,000
Total assets	271,020,000	263,033,000
LIABILITIES AND STOCKHOLDERS' EQUITY
Deposits	182,354,000	175,961,000
Short-term Federal Home Loan Bank advances	30,000,000	32,825,000
Long-term Federal Home Loan Bank advances	24,600,000	22,100,000
Mortgagors' escrow accounts	1,194,000	1,230,000
Accrued expenses and other liabilities	2,160,000	1,975,000
Total liabilities	240,308,000	234,091,000
Commitments and contingencies (Note 13)
Stockholders' equity:
Preferred stock, $0.01 par value per share: 50,000,000 shares authorized at December 31, 2014 and December 31, 2013; none outstanding
Common stock, $0.01 par value per share: 100,000,000 shares authorized, 1,827,131 shares issued at December 31, 2014 and 1,831,518 shares issued at December 31, 2013	18,000	18,000
Additional paid-in capital	19,245,000	19,212,000
Retained earnings	12,593,000	11,388,000
Accumulated other comprehensive income (loss)	143,000	(389,000)
Unearned compensation - ESOP (86,886 shares unallocated at December 31, 2014 and 94,126 shares unallocated at December 31, 2013)	(918,000)	(1,001,000)
Unearned compensation - Restricted stock (37,071 shares non-vested at December 31, 2014 and 35,751 shares non-vested at December 31, 2013)	(369,000)	(286,000)
Total stockholders' equity	30,712,000	28,942,000
Total liabilities and stockholders' equity	$ 271,020,000	$ 263,033,000