REGULATORY MATTERS (Tables)

12 Months Ended

Dec. 31, 2013

REGULATORY MATTERS [Abstract]

Actual capital amounts and ratios

The Bank’s actual capital amounts and ratios as of December 31, 2013 and 2012 are presented in the following table.

											Minimum
											To Be "Well-
						Minimum					Capitalized"
						For Capital					Under Prompt
	Actual					Adequacy Purposes					Corrective Provisions
(Dollars in thousands)	Amount		Ratio			Amount		Ratio			Amount		Ratio
As of December 31, 2013:
Total Core Capital (to Risk-Weighted Assets)	$	47,862		14.1	%	$	27,106		8.0	%	$	33,883		10.0	%
Tier 1 Capital (to Risk-Weighted Assets)	$	43,454		12.8	%	$	13,553		4.0	%	$	20,330		6.0	%
Tier 1 Capital (to Assets)	$	43,454		8.7	%	$	19,928		4.0	%	$	24,910		5.0	%
As of December 31, 2012:
Total Core Capital (to Risk-Weighted Assets)	$	45,763		14.2	%	$	25,808		8.0	%	$	32,259		10.0	%
Tier 1 Capital (to Risk-Weighted Assets)	$	41,574		12.9	%	$	12,904		4.0	%	$	19,356		6.0	%
Tier 1 Capital (to Assets)	$	41,574		8.8	%	$	18,831		4.0	%	$	23,539		5.0	%