Changes in the allowance for loan losses for the years ended December 31, 2012 and 2011 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.

	December 31, 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		(108	)		-			(142	)		-			(89	)
Recoveries		75			-			14			50			-
Provisions		180			-			530			(73	)		190
Ending balance	$	811		$	-		$	1,748		$	440		$	750
Ending balance: related to loans
individually evaluated for impairment	$	215		$	-		$	401		$	-		$	207
Ending balance: related to loans
collectively evaluated for impairment	$	596		$	-		$	1,347		$	440		$	543

Loans receivables:
Ending balance	$	173,955		$	2,655		$	82,329		$	13,748		$	31,477
Ending balance: individually
evaluated for impairment	$	2,151		$	-		$	2,736		$	358		$	882
Ending balance: collectively
evaluated for impairment	$	171,804		$	2,655		$	79,593		$	13,390		$	30,595

				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	)		(161	)		-			(508	)
Recoveries		-			6			59			-			204
Provisions		-			(5	)		108			(105	)		825
Ending balance	$	2		$	494		$	168		$	88		$	4,501
Ending balance: related to loans
individually evaluated for impairment	$	-		$	95		$	5		$	-		$	923
Ending balance: related to loans
collectively evaluated for impairment	$	2		$	399		$	163		$	88		$	3,578

Loans receivables:
Ending balance	$	3,588		$	22,073		$	3,469		$	-		$	333,294
Ending balance: individually
evaluated for impairment	$	-		$	535		$	5		$	-		$	6,667
Ending balance: collectively
evaluated for impairment	$	3,588		$	21,538		$	3,464		$	-		$	326,627

December 31, 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	$	750		$	-	$	1,204		$	579		$	501
Charge-offs		(237	)		-		(205	)		(65	)		(34	)
Recoveries		49			-		-			1			-
Provisions		102			-		347			(52	)		182
Ending balance	$	664		$	-	$	1,346		$	463		$	649
Ending balance: related to loans
individually evaluated for impairment	$	149		$	-	$	109		$	178		$	122
Ending balance: related to loans
collectively evaluated for impairment	$	515		$	-	$	1,237		$	285		$	527
Loans receivables:
Ending balance	$	158,384		$	3,935	$	73,420		$	13,791		$	22,701
Ending balance: individually
evaluated for impairment	$	1,298		$	-	$	1,703		$	452		$	379
Ending balance: collectively
evaluated for impairment	$	157,086		$	3,935	$	71,717		$	13,339		$	22,322

				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	)		(123	)		-		(707	)
Recoveries		-			10			39			-		99
Provisions		(1	)		110			157			95		940
Ending balance	$	2		$	501		$	162		$	193	$	3,980
Ending balance: related to loans
individually evaluated for impairment	$	-		$	61		$	-		$	-	$	619
Ending balance: related to loans
collectively evaluated for impairment	$	2		$	440		$	162		$	193	$	3,361

Loans receivables:
Ending balance	$	3,619		$	24,171		$	4,140		$	-	$	304,161
Ending balance: individually
evaluated for impairment	$	-		$	448		$	-		$	-	$	4,280
Ending balance: collectively
evaluated for impairment	$	3,619		$	23,723		$	4,140		$	-	$	299,881