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NON-PERFORMING ASSETS INCLUDING TROUBLED DEBT RESTRUCTURINGS (Tables)
 12 Months Ended
Dec. 31, 2014
NON-PERFORMING ASSETS INCLUDING TROUBLED DEBT RESTRUCTURINGS (TDR) [Abstract]  
Schedule of Non-performing Assets Including TDR
AT DECEMBER 31,
2014 2013
Non-accrual loans: (IN THOUSANDS, EXCEPT PERCENTAGES)
Commercial loans secured by real estate $ 778     $ 1,632  
Real estate-mortgage     1,417       1,239  
Total     2,195       2,871  
                 
Other real estate owned:                
Commercial loans secured by real estate     384       344  
Real estate-mortgage     128       673  
Total     512       1,017  
                 
Total restructured loans not in non-accrual (TDR)     210       221  
Total non-performing assets including TDR   $ 2,917     $ 4,109  
Total non-performing assets as a percent of loans, net of unearned income, and other real estate owned     0.35 %     0.52 %

 
Schedule of TDRs

The following table details the TDRs at December 31, 2014 (dollars in thousands).

 

Loans in non-accrual status # of Loans     Current
Balance		     Concession Granted
Commercial loan secured by real estate   2     $ 210     Extension of maturity date

 

Loans in accrual status # of Loans     Current
Balance		     Concession Granted
Commercial loan secured by real estate   2     $ 742     Extension of maturity date

 

The following table details the TDRs at December 31, 2013 (dollars in thousands).

 

Loans in non-accrual status # of Loans     Current
Balance		     Concession Granted
Commercial loan secured by real estate   2     $ 1,250     Extension of maturity date

 

Loans in accrual status # of Loans     Current
Balance		     Concession Granted
Commercial loan secured by real estate   2     $ 161     Extension of maturity date
Consumer   2       61     Extension of maturity date

 

The following table details the TDRs at December 31, 2012 (dollars in thousands).

 

Loans in non-accrual status # of Loans    

Current

Balance

     Concession Granted
Commercial loan secured by real estate   4     $ 3,772     Extension of maturity date

 

Loans in accrual status # of Loans    

Current

Balance

     Concession Granted
Commercial loan secured by real estate   2     $ 169     Extension of maturity date
Consumer   1       13     Extension of maturity date


Schedule of Recorded Investment of Defaults
YEAR ENDED DECEMBER 31,
2014   2013     2012  
Recorded investment of defaults                  
Commercial loan secured by real estate $ -     $ 1,480     $ 595  
Total   $ -     $ 1,480     $ 595  


Schedule of Interest Income
YEAR ENDED DECEMBER 31,
2014   2013     2012  
(IN THOUSANDS)
Interest income due in accordance with original terms $ 136     $ 178     $ 231  
Interest income recorded     -       -       -  
Net reduction in interest income   $ 136     $ 178     $ 231