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FINANCIAL INSTRUMENTS WITH OFF-BALANCE SHEET RISK AND CONCENTRATIONS OF CREDIT RISK (Tables)
 12 Months Ended
Dec. 31, 2014
Risks and Uncertainties [Abstract]  
Schedule of Fair Value, Off-balance Sheet Risks [Table Text Block]
The contract or notional amounts at December 31, 2014 and 2013 were as follows:
 
(Dollars in thousands)
 
 
2014
 
2013
 
Financial instruments whose contract amounts represent credit risk:
 
 
 
 
 
 
 
Commitments to extend credit
 
$
84,983
 
$
73,700
 
Financial standby letters of credit
 
$
471
 
$
418
 
Performance standby letters of credit
 
$
5,851
 
$
4,449