(7) Allowance for Loan Losses

Changes in the allowance for loan losses for the indicated periods and information pertaining to the allocation of the allowance for loan losses and balances of the allowance for loan losses and loans receivable based on individual and collective impairment evaluation by loan portfolio class at the indicated dates are summarized in the tables below. An allocation of a portion of the allowance to a given portfolio class does not limit the Company's ability to absorb losses in another portfolio class.

	For the three months ended September 30, 2012
	1-4 family
	first-lien			Residential									Other
	residential			construction			Commercial			Commercial			commercial
(In thousands)	mortgage			mortgage			real estate			lines of credit			and industrial
Allowance for loan losses:
Beginning Balance	$	777		$	-		$	1,587		$	398		$	698
Charge-offs		(61	)		-			-			-			-
Recoveries		23			-			-			-			-
Provisions		27			-			200			12			112
Ending balance	$	766		$	-		$	1,787		$	410		$	810
Ending balance: related to loans
individually evaluated for impairment		208			-			489			-			269
Ending balance: related to loans
collectively evaluated for impairment	$	558		$	-		$	1,298		$	410		$	541

Loans receivables:
Ending balance	$	169,062		$	2,587		$	79,770		$	13,471		$	27,509
Ending balance: individually
evaluated for impairment		2,134			-			2,796			374			968
Ending balance: collectively
evaluated for impairment	$	166,928		$	2,587		$	76,974		$	13,097		$	26,541


				Home equity			Other
	Municipal			and junior liens			Consumer			Unallocated			Total
Allowance for loan losses:
Beginning Balance	$	2		$	501		$	131		$	119		$	4,213
Charge-offs		-			-			(30	)		-			(91	)
Recoveries		-			1			12			-			36
Provisions		-			(24	)		65			(117	)		275
Ending balance	$	2		$	478		$	178		$	2		$	4,433
Ending balance: related to loans
individually evaluated for impairment		-			60			6			-			1,032
Ending balance: related to loans
collectively evaluated for impairment	$	2		$	418		$	172		$	2		$	3,401

Loans receivables:
Ending balance	$	5,063		$	22,580		$	3,627		$	-		$	323,669
Ending balance: individually
evaluated for impairment		-			502			6			-			6,780
Ending balance: collectively
evaluated for impairment	$	5,063		$	22,078		$	3,621		$	-		$	316,889

	For the nine months ended September 30, 2012
	1-4 family
	first-lien			Residential									Other
	residential			construction			Commercial			Commercial			commercial
(In thousands)	mortgage			mortgage			real estate			lines of credit			and industrial
Allowance for loan losses:
Beginning Balance	$	664		$	-		$	1,346		$	463		$	649
Charge-offs		(96	)		-			(54	)		-			(89	)
Recoveries		52			-			14			50			-
Provisions		146			-			481			(103	)		250
Ending balance	$	766		$	-		$	1,787		$	410		$	810

				Home equity			Other
	Municipal			and junior liens			Consumer			Unallocated			Total
Allowance for loan losses:
Beginning Balance	$	2		$	501		$	162		$	193		$	3,980
Charge-offs		-			(8	)		(114	)		-			(361	)
Recoveries		-			6			42			-			164
Provisions		-			(21	)		88			(191	)		650
Ending balance	$	2		$	478		$	178		$	2		$	4,433

	For the three months ended September 30, 2011
	1-4 family
	first-lien			Residential									Other
	residential			construction			Commercial			Commercial			commercial
(In thousands)	mortgage			mortgage			real estate			lines of credit			and industrial
Allowance for loan losses:
Beginning Balance	$	687		$	-		$	1,625		$	291		$	831
Charge-offs		(72	)		-			-			(50	)		-
Recoveries		16			-			-			1			-
Provisions		23			-			(78	)		108			(132	)
Ending balance	$	654		$	-		$	1,547		$	350		$	699
Ending balance: related to loans
individually evaluated for impairment		128			-			306			-			200
Ending balance: related to loans
collectively evaluated for impairment	$	526		$	-		$	1,241		$	350		$	499

Loans receivables:
Ending balance	$	152,841		$	3,021		$	70,685		$	13,772		$	22,631
Ending balance: individually
evaluated for impairment		704			-			1,816			74			1,056
Ending balance: collectively
evaluated for impairment	$	152,137		$	3,021		$	68,869		$	13,698		$	21,575

				Home equity			Other
	Municipal			and junior liens			Consumer			Unallocated			Total
Allowance for loan losses:
Beginning Balance	$	2		$	460		$	116		$	(6	)	$	4,006
Charge-offs		-			(19	)		(37	)		-			(178	)
Recoveries		-			2			11			-			30
Provisions		-			73			60			91			145
Ending balance	$	2		$	516		$	150		$	85		$	4,003
Ending balance: related to loans
individually evaluated for impairment		-			61			-			-			695
Ending balance: related to loans
collectively evaluated for impairment	$	2		$	455		$	150		$	85		$	3,308

Loans receivables:
Ending balance	$	2,139		$	24,842		$	3,743		$	-		$	293,674
Ending balance: individually
evaluated for impairment		-			448			-						4,098
Ending balance: collectively
evaluated for impairment	$	2,139		$	24,394		$	3,743		$	-		$	289,576

	For the nine months ended September 30, 2011
	1-4 family
	first-lien			Residential									Other
	residential			mortgage			Commercial			Commercial			commercial
(In thousands)	mortgage			construction			real estate			lines of credit			and industrial
Allowance for loan losses:
Beginning Balance	$	750		$	-		$	1,204		$	579		$	501
Charge-offs		(131	)		-			(71	)		(65	)		-
Recoveries		49			-			-			1			-
Provisions		(14	)		-			414			(165	)		198
Ending balance	$	654		$	-		$	1,547		$	350		$	699

				Home equity			Other
	Municipal			and junior liens			Consumer			Unallocated			Total
Allowance for loan losses:
Beginning Balance	$	3		$	424		$	89		$	98		$	3,648
Charge-offs		-			(43	)		(88	)		-			(398	)
Recoveries		-			7			26			-			83
Provisions		(1	)		128			123			(13	)		670
Ending balance	$	2		$	516		$	150		$	85		$	4,003