6. ALLOWANCE FOR LOAN LOSSES (Details 3) - USD ($)	Dec. 31, 2016	Dec. 31, 2015
Credit cards	$ 2,822,000	$ 2,745,000
Consumer	65,495,000	54,086,000
Performing Financing Receivable [Member]
Credit cards	2,822,000	2,730,000
Consumer	65,291,000	53,826,000
Nonperforming Financing Receivable [Member]
Credit cards		15,000
Consumer	$ 204,000	$ 260,000