(7) Allowance for Loan Losses

Summarized in the tables below are changes in the allowance for loan losses for the indicated periods and information pertaining to the allocation of the allowance for loan losses, balances of the allowance for loan losses, loans receivable based on individual, and collective impairment evaluation by loan portfolio class. 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 March 31, 2013
	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	$	811		$	-		$	1,748		$	440		$	750
Charge-offs		(12	)		-			-			(49	)		(10	)
Recoveries		12			-			-			-			-
Provisions		17			-			147			82			114
Ending balance	$	828		$	-		$	1,895		$	473		$	854
Ending balance: related to loans
individually evaluated for impairment	$	172		$	-		$	451		$	100		$	242
Ending balance: related to loans
collectively evaluated for impairment	$	656		$	-		$	1,444		$	373		$	612
Loans receivables:
Ending balance	$	177,411		$	778		$	84,308		$	13,461		$	32,826
Ending balance: individually
evaluated for impairment	$	2,370		$	-		$	3,852		$	456		$	836
Ending balance: collectively
evaluated for impairment	$	175,041		$	778		$	80,456		$	13,005		$	31,990

				Home equity			Other
	Municipal			and junior liens			consumer			Unallocated			Total
Allowance for loan losses:
Beginning Balance	$	2		$	494		$	168		$	88		$	4,501
Charge-offs		-			(81	)		(28	)		-			(180	)
Recoveries		-			13			16			-			41
Provisions		-			63			(17	)		(82	)		324
Ending balance	$	2		$	489		$	139		$	6		$	4,686
Ending balance: related to loans
individually evaluated for impairment	$	-		$	93		$	3		$	-		$	1,061
Ending balance: related to loans
collectively evaluated for impairment	$	2		$	396		$	136		$	6		$	3,625
Loans receivables:
Ending balance	$	4,538		$	21,552		$	3,643					$	338,517
Ending balance: individually
evaluated for impairment	$	-		$	632		$	3					$	8,149
Ending balance: collectively
evaluated for impairment	$	4,538		$	20,920		$	3,640					$	330,368

	For the three months ended March 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		(20	)		-			(54	)		-			(43	)
Recoveries		28			-			14			-			-
Provisions		47			-			159			52			113
Ending balance	$	719		$	-		$	1,465		$	515		$	719
Ending balance: related to loans
individually evaluated for impairment		161			-			228			228			277
Ending balance: related to loans
collectively evaluated for impairment	$	558		$	-		$	1,237		$	287		$	442

Loans receivables:
Ending balance	$	160,339		$	2,919		$	73,003		$	13,978		$	21,393
Ending balance: individually
evaluated for impairment		1,206			-			2,491			452			794
Ending balance: collectively
evaluated for impairment	$	159,133		$	2,919		$	70,512		$	13,526		$	20,599


				Home equity			Other
	Municipal			and junior liens			Consumer			Unallocated			Total
Allowance for loan losses:
Beginning Balance	$	2		$	501		$	162		$	193		$	3,980
Charge-offs		-			-			(41	)		-			(158	)
Recoveries		-			2			21			-			65
Provisions		-			(8	)		(8	)		(130	)		225
Ending balance	$	2		$	495		$	134		$	63		$	4,112
Ending balance: related to loans
individually evaluated for impairment		-			61			-			-			955
Ending balance: related to loans
collectively evaluated for impairment	$	2		$	434		$	134		$	63		$	3,157

Loans receivables:
Ending balance	$	4,203		$	23,673		$	3,933					$	303,441
Ending balance: individually
evaluated for impairment		-			447			-						5,390
Ending balance: collectively
evaluated for impairment	$	4,203		$	23,226		$	3,933					$	298,051