COMMITMENTS AND CONTINGENT LIABILITIES (Tables)

12 Months Ended

Dec. 31, 2013

Commitments and Contingencies Disclosure [Abstract]

Financial Instruments Whose Contract Amounts Represent Off-Balance-Sheet Credit Risk

The Company uses the same credit policies in making commitments and conditional obligations as it does for on-balance-sheet instruments.  Financial instruments whose contract amounts represent off-balance-sheet credit risk at December 31 were as follows (in thousands):

	2013		2012
Commitments to extend credit:
Commercial loans	$	9,316	13,625
Other loans:
Fixed rate	852		4,602
Adjustable rate	1,653		1,238
Unused lines of credit:
Fixed rate	3,404		3,368
Adjustable rate	60,236		45,199
Unused overdraft protection amounts on demand and NOW accounts	9,494		9,665
Standby letters of credit	365		5,109
	$	85,320	82,806