REGULATORY MATTERS (Tables)

12 Months Ended

Dec. 31, 2013

REGULATORY MATTERS [Abstract]

Capital ratios under banking regulations

The following table reflects the Company’s capital ratios at December 31 (dollars in thousands):

	2013		2012
Total capital (to risk-weighted assets)	Amount	Ratio	Amount	Ratio
Company	$      100,320	17.75%	$        90,889	17.50%
For capital adequacy purposes	45,211	8.00%	41,546	8.00%
To be well capitalized	56,514	10.00%	51,932	10.00%
Tier I capital (to risk-weighted assets)
Company	$        92,902	16.44%	$        84,166	16.21%
For capital adequacy purposes	22,606	4.00%	20,773	4.00%
To be well capitalized	33,908	6.00%	31,159	6.00%
Tier I capital (to average assets)
Company	$        92,902	10.42%	$        84,166	9.70%
For capital adequacy purposes	35,669	4.00%	34,692	4.00%
To be well capitalized	44,587	5.00%	43,366	5.00%

The following table reflects the Bank’s capital ratios at December 31 (dollars in thousands):

	2013		2012
Total capital (to risk-weighted assets)	Amount	Ratio	Amount	Ratio
Bank	$        97,863	17.35%	$        87,215	16.84%
For capital adequacy purposes	45,135	8.00%	41,425	8.00%
To be well capitalized	56,418	10.00%	51,781	10.00%
Tier I capital (to risk-weighted assets)
Bank	$        90,639	16.07%	$        80,702	15.59%
For capital adequacy purposes	22,567	4.00%	20,713	4.00%
To be well capitalized	33,851	6.00%	31,069	6.00%
Tier I capital (to average assets)
Bank	$        90,639	10.18%	$        80,702	9.32%
For capital adequacy purposes	35,615	4.00%	34,634	4.00%
To be well capitalized	44,519	5.00%	43,293	5.00%