6. ALLOWANCE FOR LOAN LOSSES (Details 4) (USD $)	Dec. 31, 2013	Dec. 31, 2012
Credit cards	$ 2,680,000	$ 2,788,000
Consumer	30,735,000	16,423,000
Performing Financing Receivable [Member]
Credit cards	2,680,000	2,788,000
Consumer	30,719,000	16,404,000
Nonperforming Financing Receivable [Member]
Credit cards
Consumer	$ 16,000	$ 19,000