CREDIT QUALITY INDICATORS (Tables)

12 Months Ended

Dec. 31, 2014

Credit Quality Indicators [Abstract]

Financing Receivable Credit Quality Indicators [Table Text Block]

The following tables present the risk category of loans by class of loans based on the most recent analysis performed at December 31, 2014 and December 31, 2013.

Commercial Credit Exposure (dollar amounts in thousands)

Credit risk profile by credit worthiness category

									Commercial				Commercial
	Commercial				Commercial				Real Estate				Real Estate
Credit	Operating				Agricultural				1-4 Family				Other				Total
Grade	12/31/14		12/31/13		12/31/14		12/31/13		12/31/14		12/31/13		12/31/14		12/31/13		12/31/14		12/31/13
Pass	$	32,933	$	31,967	$	45,863	$	40,844	$	39,683	$	41,331	$	101,222	$	90,104	$	219,701	$	204,246
6		0		0		0		0		0		0		0		2,801		0		2,801
7		956		1,341		159		163		793		1,125		3,899		6,622		5,807		9,251
8		0		0		0		0		0		0		0		0		0		0
Total	$	33,889	$	33,308	$	46,022	$	41,007	$	40,476	$	42,456	$	105,121	$	99,527	$	225,508	$	216,298

Real Estate Credit Exposure (dollar amounts in thousands)

Credit risk by credit worthiness category

	Real Estate				Real Estate
Credit	Construction				Other				Total
Grade	12/31/14		12/31/13		12/31/14		12/31/13		12/31/14		12/31/13
Pass	$	4,214	$	3,246	$	17,951	$	14,445	$	22,165	$	17,691
6		0		0		0		142		0		142
7		0		130		18		843		18		973
8		0		0		0		0		0		0
Total	$	4,214	$	3,376	$	17,969	$	15,430	$	22,183	$	18,806

Consumer Credit Exposure (dollar amount in thousands)

Credit risk by credit worthiness category

	Consumer				Consumer				Consumer
Credit	Equity				Auto				Other				Total
Grade	12/31/14		12/31/13		12/31/14		12/31/13		12/31/14		12/31/13		12/31/14		12/31/13
Pass	$	17,987	$	18,304	$	4,650	$	5,175	$	8,616	$	10,848	$	31,253	$	34,327
6		0		0		0		0		0		0		0		0
7		199		530		0		3		8		4		207		537
8		0		0		0		0		0		0	$	0	$	0
Total	$	18,186	$	18,834	$	4,650	$	5,178	$	8,624	$	10,852	$	31,460	$	34,864