COMMITMENTS AND CONTINGENCIES (Tables)

12 Months Ended

Dec. 31, 2017

COMMITMENTS AND CONTINGENCIES [Abstract]

Financial instruments with off-balance sheet risk

The contractual amounts of financial instruments with off-balance sheet risk at year-end were as follows:

	2017				2016
	Fixed Rate		Variable Rate		Fixed Rate		Variable Rate
Available lines of credit	$	-	$	73,315	$	-	$	34,774
Other loan commitments		1,000		47,181		-		138,310
Stand-by letters of credit		927		-		-		-

Aggregate Minimum Annual Rental Commitments on Operating Leases

At December 31, 2017, aggregate minimum annual rental commitments on operating leases were as follows:

	Amount
2018		6,682
2019		6,808
2020		6,715
2021		6,634
2022		6,331
Thereafter		28,438
Total	$	61,608