STOCKHOLDERS' EQUITY (Tables)

3 Months Ended

Mar. 31, 2013

Equity [Abstract]

Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations [Table Text Block]

Our actual and required capital amounts and ratios are presented below.

(Dollars in thousands)						For Capital
	Actual					Adequacy Purposes
As of March 31, 2013:	Amount		Ratio			Amount		Ratio
Total risk-based capital (to risk- weighted assets)
Consolidated	$	68,756		11.39	%	$	48,311		8.00	%
Bank		74,517		12.33			48,334		8.00
Tier I capital (to risk-weighted assets)
Consolidated		57,473		9.52			24,156		4.00
Bank		66,853		11.07			24,167		4.00
Tier I capital (to average assets)
Consolidated		57,473		5.88			39,083		4.00
Bank		66,853		6.84			39,096		4.00

(Dollars in thousands)						For Capital
	Actual					Adequacy Purposes
As of December 31, 2012:	Amount		Ratio			Amount		Ratio
Total risk-based capital (to risk- weighted assets)
Consolidated	$	68,791		11.36	%	$	48,438		8.00	%
Bank		73,951		12.21			48,439		8.00
Tier I capital (to risk-weighted assets)
Consolidated		57,471		9.49			24,219		4.00
Bank		66,256		10.94			24,219		4.00
Tier I capital (to average assets)
Consolidated		57,471		5.67			40,580		4.00
Bank		66,256		6.53			40,608		4.00

Schedule of Capital Requirements Under 2012 Consent Order [Table Text Block]

The 2012 Consent Order requires the Bank to achieve the minimum capital ratios presented below.

	Actual as of			Ratio Required
	3/31/2013			by Consent Order
Total capital to risk-weighted assets		12.33	%		12.00	%
Tier 1 capital to average total assets		6.84	%		9.00	%