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COMMITMENTS AND CONTINGENCIES (Tables) | 12 Months Ended
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Dec. 31, 2014
COMMITMENTS AND CONTINGENCIES [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 (amounts in thousands):
| 2014 |  | 2013 |
| Fixed Rate |  | Variable Rate |  | Fixed Rate |  | Variable Rate |
Commitments to make loans |  | $ | 23,756 |  |  | $ | 11,082 |  |  | $ | 21,049 |  |  | $ | 7,893 |
Unused lines of credit |  | $ | 812 |  |  | $ | 185,235 |  |  | $ | 2,190 |  |  | $ | 187,061 |
Standby letters of credit |  | $ | - |  |  | $ | 16,747 |  |  | $ | - |  |  | $ | 17,290 |

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- Definition Tabular disclosure of the fair value of financial instruments (as defined), including financial assets and financial liabilities (collectively, as defined) which are not recognized in the financial statements (off-balance sheet) because they fail to meet some other criterion for recognition. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 825 -SubTopic 10 -Section 50 -Paragraph 11 -URI http://asc.fasb.org/extlink&oid=35750535&loc=d3e13467-108611 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 825 -SubTopic 10 -Section 50 -Paragraph 10 -URI http://asc.fasb.org/extlink&oid=35750535&loc=d3e13433-108611 + Details
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