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CASH AND DUE FROM DEPOSITORY INSTITUTIONS
12 Months Ended
Dec. 31, 2013
CASH AND DUE FROM DEPOSITORY INSTITUTIONS [Abstract]  
CASH AND DUE FROM DEPOSITORY INSTITUTIONS

2.  CASH AND DUE FROM DEPOSITORY INSTITUTIONS

Included in "Cash and due from depository institutions" are required federal reserves of $61,000 and $0 at December 31, 2013 and 2012, respectively, for facilitating the implementation of monetary policy by the Federal Reserve System. The required reserves are computed by applying prescribed ratios to the classes of average deposit balances. These are held in the form of vault cash and a depository amount held with the Federal Reserve Bank.