INVESTMENT SECURITIES (Tables)

12 Months Ended

Dec. 31, 2012

INVESTMENT SECURITIES [Abstract]

Schedule Of Available For Sale And Held To Maturity Securities

Investment securities consisted of the following at December 31 (in $1,000s):

	2012				2011
	Amortized Cost		Estimated Fair Value		Amortized Cost		Estimated Fair Value
Available for sale securities:
United States treasury	$	3,499	$	3,500	$	4,004	$	4,013
United States government agencies		4,000		3,987
Mortgage-backed		8,098		8,219		10,537		10,592
Municipalities						273		278
		15,597		15,706		14,814		14,883
Held for long-term investment:
CDBL III		765		765		973		973
Corporate		1,971		1,971		1,764		1,764
		2,736		2,736		2,737		2,737
	$	18,333	$	18,442	$	17,551	$	17,620

Gross Unrealized Gains and Losses and Carrying Value of Available-for-sale Securities

Gross unrealized gains and losses on investment securities available for sale were as follows at December 31 (in $1,000s):

	2012				2011
	Gains		Losses		Gains		Losses
United States treasury	$	1			$	9
United States government agencies			$	13
Mortgage-backed		121				71	$	16
Municipalities						5
	$	122	$	13	$	85	$	16

The age of gross unrealized losses and carrying value (at estimated fair value) of securities available for sale are summarized below (in $1,000s):

	2012				2011
	Unrealized Loss		Carrying Value		Unrealized Loss		Carrying Value
One year or less:
United States government agencies	$	13	$	3,987
Mortgage-backed					$	16	$	6,674
	$	13	$	3,987	$	16	$	6,674

Scheduled Maturities of Investment Securities

Scheduled maturities of investment securities held as of December 31, 2012 were as follows (in $1,000s):

	Amortized Cost		Estimated Fair Value
Due in one year or less	$	3,501	$	3,502
After five years, through ten years		4,656		4,680
After ten years		7,440		7,524
Securities held for long-term investment, without stated maturities		2,736		2,736
	$	18,333	$	18,442