Need to insert a "." between numbers in a string field

Need to insert a "." between numbers in a string field

I am trying to take a string field in which a number like 1415 is entered and have the field insert a "." so that the result will be 14.15

What is happening with either of the examples below is resulting in 14.5 with the Creator Cursor spinning forever and locking the record/field up.

Can someone tell me how to "end" or "return" the processing so it will stop continuously looking at the field named Start_Time and move on the next field or process.

I'm sure there is a qualifier that has to be put in an "IF" statement, possible with "ELSE", but I'm stuck.

xa = mid(input.Start_Time,0,2);
xb = mid(input.Start_Time,3);
input.Start_Time = xa + "." xb;

OR use this:

if (input.Start_Time  !=  "")
{
 String_1 = input.Start_Time.subString(0,2);
 String_2 = input.Start_Time.subString(3,4);
  input.Start_Time = String_1 + "." + String_2;
  return;
}