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STOCKHOLDERS' EQUITY AND REGULATORY MATTERS (Tables)

9 Months Ended

Sep. 30, 2013

STOCKHOLDERS' EQUITY AND REGULATORY MATTERS [Abstract]

Shown below is a summary of regulatory capital ratios for the Company:

	Sept 30, 2013			December 31, 2012			Regulatory Minimum Requirements			To Be Considered Well Capitalized
Tier I Capital (to Risk-Weighted Assets)		16.7	%		16.1	%		4.0	%		6.0	%
Total Capital (to Risk-Weighted Assets)		17.9	%		17.4	%		8.0	%		10.0	%
Tier I Capital (to Average Assets)		10.9	%		10.0	%		4.0	%		5.0	%

- Definition

Tabular disclosure of the capital amounts and ratios as of the balance sheet date, indicating whether the entity or entities are in compliance with regulatory capital requirements, by entity.

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