3. LOANS - Major classifications of loans (Details) (USD $) In Thousands, unless otherwise specified	Jun. 30, 2014	Dec. 31, 2013
Gross loans	$ 506,947	$ 509,436
Deferred loan fees costs, net	(344)	(192)
Allowance for loan losses	(9,012)	(9,301)
Loans, net	497,591	499,943
Commercial
Gross loans	44,096	47,526
Commercial Real Estate [Member]
Gross loans	330,446	326,631
Real estate-construction
Gross loans	26,294	27,472
Real estate - mortgage
Gross loans	61,410	63,120
Installment
Gross loans	4,535	5,376
Other
Gross loans	$ 40,166	$ 39,311