INCOME TAXES (Details 2) (USD $) In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Deferred tax assets:
Allowance for loan losses	$ 3,308	$ 5,965
Net operating loss carryforward	13,617	8,176
AMT credit carryforward	196	196
Low income housing credits	3,494	2,922
Net unrealized loss on securities available-for-sale	2,726	0
Intangibles and fair value adjustments	0	120
Writedowns of real estate owned	1,226	3,917
Nonaccrual loan interest	805	1,253
Accrued liabilities and other	423	230
Total deferred tax assets	25,795	22,779
Deferred tax liabilities:
Depreciation	1,848	1,982
Net unrealized gain on securities available-for-sale	0	1,299
Federal Home Loan Bank stock	1,049	1,049
Deferred gain on like-kind exchange	4	4
Other	240	290
Total deferred tax liabilities	3,141	4,624
Net temporary differences	22,654	18,155
Valuation allowance	(22,654)	(18,155)
Net deferred tax assets	$ 0	$ 0