LINES OF CREDIT

12 Months Ended

Dec. 31, 2013

Line of Credit Facility [Abstract]

Line Of Credit Disclosure [Text Block]

NOTE 18. LINES OF CREDIT

The Banks had $15.5 million in federal funds lines of credit and a reverse repurchase agreement available on a short-term basis from correspondent banks at both December 31, 2013 and 2012. In addition, the Banks had credit availability of approximately $46.9 million and $58.0 million from the Federal Home Loan Bank at December 31, 2013 and 2012, respectively. These lines of credit are paid for monthly on a fee basis of 0.09%. The Banks have pledged as collateral, under a blanket lien, all qualifying residential loans under borrowing agreements with the Federal Home Loan Bank. The Banks had no short-term borrowings from the Federal Home Loan Bank at December 31, 2013 or 2012.