STOCK-BASED COMPENSATION (Tables)

12 Months Ended

Dec. 31, 2014

Activity of Stock Options [Table Text Block]

The activity of stock options granted under the 1997 stock option plan for the year ended December 31, 2014 is set forth below:
				Weighted Average		Aggregate
				Remaining		Intrinsic
	Number of		Weighted Average	Contractual Term		Value
	Options		Exercise Price	(Years)		(In thousands)
Beginning of year	101,435	$	206.95
Options expired	(12,795)		321.75
Options cancelled	(6,065)		226.15
End of year outstanding and exercisable	82,575	$	187.75	1.4	$	-

Restricted Stock Activity Under Omnibus Plan [Table Text Block]

The following table summarizes the restricted stock activity in 2014 under the Omnibus Plan for both executive
officers covered by the TARP requirements and other employees as well as for the independent directors:
		2014
	Number of		Weighted
	shares of		Average
	restricted		Grant Date
	stock		Fair Value
Non-vested shares at beginning of year		1,411,185	$	3.04
Granted		1,219,711		3.75
Forfeited		(40,090)		3.53
Vested		(263,650)		3.31
Non-vested shares at end of year		2,327,156	$	3.39