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COMMITMENTS AND CONTINGENCIES (Tables)
 6 Months Ended
Jun. 30, 2014
COMMITMENTS AND CONTINGENCIES [Abstract]  
Contractual amounts of financial instruments with off-balance sheet risk
The following table lists the contractual amounts of financial instruments with off-balance sheet risk at June 30, 2014 and December 31, 2013 (dollars in thousands):

 
June 30, 2014
 
December 31, 2013
 
 
Fixed Rate
 
Variable Rate
 
Fixed Rate
 
Variable Rate
 
Commitments to make loans
 
$
33,383
  
$
17,010
  
$
21,049
  
$
7,893
 
Unused lines of credit
 
$
1,774
  
$
174,841
  
$
2,190
  
$
187,061
 
Standby letters of credit
 
$
-
  
$
16,762
  
$
-
  
$
17,290