COMMITMENTS AND CONTINGENCIES (Tables)

9 Months Ended

Sep. 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 September 30, 2014 and December 31, 2013 (dollars in thousands):

	September 30, 2014						December 31, 2013
	Fixed Rate			Variable Rate			Fixed Rate			Variable Rate
Commitments to make loans		$	29,126		$	14,973		$	21,049		$	7,893
Unused lines of credit		$	1,738		$	173,196		$	2,190		$	187,061
Standby letters of credit		$	-		$	16,687		$	-		$	17,290