INCOME TAXES (Details 1)	12 Months Ended
	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Effective Income Tax Rate Reconciliation [Line Items]
Federal statutory rate	34.00%	34.00%	34.00%
Change in valuation allowance	63.70%	(45.30%)	(31.80%)
Tax-exempt interest income	(10.40%)	1.20%	1.30%
Increase in cash surrender value of life insurance	(16.80%)	1.50%	0.40%
Stock option expense	6.90%	(0.50%)	(0.10%)
Low income Housing tax credits	(76.90%)	12.70%	7.10%
Other	(0.20%)	(3.40%)	0.50%
Effective rate	0.30%	0.20%	11.40%