EMPLOYEE BENEFIT PLAN

9 Months Ended

Sep. 30, 2011

Employee Benefit Plan [Abstract]

EMPLOYEE BENEFIT PLAN

NOTE 11 - EMPLOYEE BENEFIT PLAN

     The Bank has a defined contribution pension plan covering all employees who have attained age twenty-one and have a minimum of one year of service.  Upon ongoing approval of the Board of Directors, the Bank matches one-hundred percent of employee contributions up to three percent of employee salary deferred and fifty percent of employee contributions in excess of three percent and up to five percent of salary deferred.  The Board of Directors may also make discretionary contributions to the Plan.  For the nine-month periods ended September 30, 2011 and 2010, and the year ended December 31, 2010, $293, $294 and $388, respectively, was charged to operations under the plan.