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OTHER REAL ESTATE OWNED
 12 Months Ended
Dec. 31, 2014
Real Estate [Abstract]  
OTHER REAL ESTATE OWNED
OTHER REAL ESTATE OWNED

Other real estate owned includes property acquired through foreclosure or deed-in-lieu of foreclosure and also includes property deemed to be in-substance foreclosed and are included in other assets in the consolidated balance sheets.  Changes in other real estate owned were as follows (in thousands):
 
2014
 
2013
Balance, beginning of year
$
1,463

 
2,189

Additions
480

 
133

Additions due to merger
262

 
127

Reductions due to sales
(735
)
 
(909
)
Reductions due to valuation write downs
(100
)
 
(77
)
Balance, end of year
$
1,370

 
1,463



Other real estate owned at December 31 consisted of (in thousands):
 
2014
 
2013
Commercial real estate
$
1,265

 
1,415

Residential real estate
105

 
48

 
$
1,370

 
1,463