EARNINGS PER COMMON SHARE (Tables)

3 Months Ended

Mar. 31, 2015

EARNINGS PER COMMON SHARE [Abstract]

Reconciliation of numerators and denominators of basic and diluted earnings per common share

A reconciliation of the numerators and denominators of basic and diluted earnings per common share for the three month periods ended March 31, 2015 and 2014 are as follows (dollars in thousands, except per share data):

	Three Months Ended March 31, 2015		Three Months Ended March 31, 2014
Net income available to common shares	$	2,840	$	2,639
Weighted average shares outstanding, including participating stock awards - Basic		33,866,789		33,790,542
Dilutive potential common shares:
Stock options		---		---
Stock warrants		---		---
Weighted average shares outstanding - Diluted		33,866,789		33,790,542
Basic earnings per common share	$	0.08	$	0.08
Diluted earnings per common share	$	0.08	$	0.08