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COMMITMENTS AND CONTINGENCIES (Tables)
 6 Months Ended
Jun. 30, 2015
COMMITMENTS AND CONTINGENCIES [Abstract]  
Contractual amounts of financial instruments with off-balance sheet risk
The following table lists the contractual amounts of financial instruments with off-balance sheet risk at June 30, 2015 and December 31, 2014 (in thousands):

 
June 30, 2015
 
December 31, 2014
 
 
Fixed Rate
 
Variable Rate
 
Fixed Rate
 
Variable Rate
 
Commitments to make loans
$
30,088
 
$
30,092
 
$
23,756
 
$
11,082
 
Unused lines of credit
$
1,657
 
$
187,940
 
$
812
 
$
185,235
 
Standby letters of credit
$
-
 
$
14,121
 
$
-
 
$
16,747