COMMITMENTS AND CONTINGENCIES (Tables)

12 Months Ended

Dec. 31, 2015

Commitments and Contingencies Disclosure [Abstract]

Contractual Amounts of Financial Instruments with Off-Balance Sheet Risk

The contractual amounts of financial instruments with off-balance sheet risk at year-end were as follows (in thousands):

	2015				2014
	Fixed Rate		Variable Rate		Fixed Rate		Variable Rate
Commitments to make loans	$	17,167	$	25,251	$	23,756	$	11,082
Unused lines of credit	$	1,265	$	177,004	$	812	$	185,235
Standby letters of credit	$	—	$	14,646	$	—	$	16,747

Schedule of Future Minimum Rental Payments for Operating Leases

Minimum lease commitments, before considering renewal options, are as follows (in thousands):

Years	Annual Rent		Total Rent
2016 - 2020	$	133	$	666
2021 - 2025	145		725
2026 - 2030	158		790
2031 - 2035	172		861
Total			$	3,042