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COMMITMENTS AND CONTINGENCIES (Tables)
 3 Months Ended
Mar. 31, 2015
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 March 31, 2015 and December 31, 2014 (in thousands):

 
March 31, 2015
 
December 31, 2014
 
 
Fixed Rate
 
Variable Rate
 
Fixed Rate
 
Variable Rate
 
Commitments to make loans
 
$
27,618
  
$
10,415
  
$
23,756
  
$
11,082
 
Unused lines of credit
 
$
1,120
  
$
177,007
  
$
812
  
$
185,235
 
Standby letters of credit
 
$
-
  
$
17,053
  
$
-
  
$
16,747