12. COMMITMENTS AND CONTINGENCIES - financial instruments with off-balance-sheet credit risk (Details) (USD $) In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013
Commitments to extend credit:
Collateralized Lines of Credit	$ 32,639	$ 31,681
Standby letters of credit	356	6,363
Revolving lines of credit secured by 1-4 family residences [Member]
Commitments to extend credit:
Collateralized Lines of Credit	1,447	2,071
Commercial real estate, construction and land development commitments secured by real estate [Member]
Commitments to extend credit:
Collateralized Lines of Credit	16,206	11,890
Other unused commitments, principally commercial loans [Member]
Commitments to extend credit:
Collateralized Lines of Credit	$ 14,986	$ 17,720