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COMMITMENTS AND CONTINGENCIES (Tables)
 12 Months Ended
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