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STOCK COMPENSATION PLANS (Tables)

12 Months Ended

Dec. 31, 2013

STOCK COMPENSATION PLANS [Abstract]

Schedule of Stock Incentive Plan Activity

		YEAR ENDED DECEMBER 31
		2013								2012								2011
		SHARES				WEIGHTED AVERAGE EXERCISE PRICE				SHARES				WEIGHTED AVERAGE EXERCISE PRICE				SHARES				WEIGHTED AVERAGE EXERCISE PRICE
Outstanding at beginning of year			398,371			$	2.43				313,612			$	3.02				257,287			$	3.18
Granted			102,445				3.19				164,241				2.73				58,575				2.25
Exercised			(3,467)				1.81				(1,500	)			1.70				(750	)			1.70
Forfeited			(10,000)				4.25				(77,982	)			5.47				(1,500	)			1.70
Outstanding at end of year			487,349				2.55				398,371				2.43				313,612				3.02
Exercisable at end of year			257,253				2.25				167,624				2.29				179,874				3.81
Weighted average fair value of options granted in current year						$	0.83							$	0.80							$	0.51

Schedule of Assumptions

		YEAR ENDED DECEMBER 31
BLACK-SCHOLES ASSUMPTION RANGES		2013				2012				2011
Risk-free interest rate			1.82 - 2.03%				1.66 - 2.28%				2.19 - 3.62%
Expected lives in years			10				10				10
Expected volatility			30.06 - 32.32%				33.26 - 35.77%				35.03 - 35.25%
Expected dividend rate			1.30%				0%				0%

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- Definition

Tabular disclosure of the number and weighted-average exercise prices (or conversion ratios) for share options (or share units) that were outstanding at the beginning and end of the year, vested and expected to vest, exercisable or convertible at the end of the year, and the number of share options or share units that were granted, exercised or converted, forfeited, and expired during the year.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 718

-SubTopic 10

-Section 50

-Paragraph 2

-Subparagraph (c)(1)

-URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5070-113901

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- Definition

Tabular disclosure of the significant assumptions used during the year to estimate the fair value of stock options, including, but not limited to: (a) expected term of share options and similar instruments, (b) expected volatility of the entity's shares, (c) expected dividends, (d) risk-free rate(s), and (e) discount for post-vesting restrictions.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 718

-SubTopic 10

-Section 50

-Paragraph 2

-Subparagraph (f)(2)

-URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5070-113901

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