BORROWINGS (Tables)

12 Months Ended

Dec. 31, 2013

BORROWINGS [Abstract]

Schedule of components of short- and long-term interest-bearing liabilities

Borrowings, comprised primarily of FHLB advances, securities sold under agreements to repurchase and federal funds purchased, are presented below for each period (dollars in thousands):

	Short-Term			Long-Term
December 31, 2013	Borrowings			Borrowings			Total
Daily average outstanding	$	22		$	-		$	22
Total interest cost		-			-			-
Average interest rate paid		0.37	%		-	%		0.37	%
Maximum amount outstanding at any month-end	$	-		$	-		$	-
December 31 balance		-			-			-
Weighted-average interest rate on balances outstanding		-	%		-	%		-	%

	Short-Term			Long-Term
December 31, 2012	Borrowings			Borrowings			Total
Daily average outstanding	$	57		$	-		$	57
Total interest cost		-			-			-
Average interest rate paid		0.48	%		-	%		0.48	%
Maximum amount outstanding at any month-end	$	-		$	-		$	-
December 31 balance		-			-			-
Weighted-average interest rate on balances outstanding		-	%		-	%		-	%