EMPLOYEE BENEFITS (Tables)

12 Months Ended

Dec. 31, 2014

EMPLOYEE BENEFITS [Abstract]

ESOP Shares

The cost basis of the shares released for 2014 was $17.71 per share.  ESOP shares as of December 31, 2014 and 2013 were as follows:

	2014		2013
Allocated shares		554,741		537,373
Shares released for allocation		1,892		-
Unreleased shares		14,108		-
Total ESOP shares		570,741		537,373
Fair value of unreleased shares at December 31	$	245,000	$	-