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 September 30, 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	$	585		$	-		$	2,055		$	418		$	1,045
Charge-offs		-			-			-			-			(14	)
Recoveries		24			-			-			21			-
Provisions		25			-			295			(73	)		(43	)
Ending balance	$	634		$	-		$	2,350		$	366		$	988
Ending balance: related to loans
individually evaluated for impairment		61			-			679			100			232
Ending balance: related to loans
collectively evaluated for impairment	$	573		$	-		$	1,671		$	266		$	756

Loans receivables:
Ending balance	$	165,363		$	1,694		$	94,078		$	13,701		$	33,037
Ending balance: individually
evaluated for impairment		982			-			4,056			382			537
Ending balance: collectively
evaluated for impairment	$	164,381		$	1,694		$	90,022		$	13,319		$	32,500


				Home equity			Other
	Municipal			and junior liens			Consumer			Unallocated			Total
Allowance for loan losses:
Beginning Balance	$	3		$	454		$	135		$	169		$	4,864
Charge-offs		-			-			(36	)		-			(50	)
Recoveries		-			-			10			-			55
Provisions		(1	)		(9	)		23			(1	)		216
Ending balance	$	2		$	445		$	132		$	168		$	5,085
Ending balance: related to loans
individually evaluated for impairment		-			85			2			-			1,159
Ending balance: related to loans
collectively evaluated for impairment	$	2		$	360		$	130		$	168		$	3,926

Loans receivables:
Ending balance	$	4,968		$	20,917		$	4,009					$	337,767
Ending balance: individually
evaluated for impairment		-			464			2						6,423
Ending balance: collectively
evaluated for impairment	$	4,968		$	20,453		$	4,007					$	331,344

	For the nine months ended September 30, 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		(104	)		-			-			(49	)		(29	)
Recoveries		37			-			-			21			-
Provisions		(110	)		-			602			(46	)		267
Ending balance	$	634		$	-		$	2,350		$	366		$	988

				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	)		(75	)		-			(338	)
Recoveries		-			13			35			-			106
Provisions		-			19			4			80			816
Ending balance	$	2		$	445		$	132		$	168		$	5,085

	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