INCOME TAXES (Details 2) (USD $) In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013
Deferred tax assets:
Allowance for credit losses	$ 3,072	$ 4,298
Reserve for off-balance sheet commitments	121	180
Net operating loss carry forward	13,265	14,430
Write-downs of other real estate owned	355	400
Deferred income	1,132	1,108
Accrued expenses	918	936
Unrealized losses on available-for-sale securities	0	296
Other	80	83
Total deferred tax assets	18,943	21,731
Deferred tax liabilities:
Depreciation	372	463
Purchase accounting adjustments	1,751	1,305
Deferred capital gain on branch sale	425	438
Unrealized gains on available-for-sale securities	214	0
Other	437	435
Total deferred tax liabilities	3,199	2,641
Net deferred tax assets	$ 15,744	$ 19,090