DEFERRED COMPENSATION (Details) (USD $)	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
DEFERRED COMPENSATION [Abstract]
Life insurance policies, aggregate face amount	$ 3,409,000	$ 3,409,000
Death benefits of life insurance policies	6,399,000	6,060,000
Cash surrender value of life insurance policies	4,311,000	4,108,000
Net present value of deferred life insurance payments	585,000	729,000
Discount rate used in net present value calculation	4.50%	4.50%	4.50%
Deferred compensation expense	$ 29,000	$ 36,000	$ 74,000