11. COMMITMENTS AND CONTINGENCIES (Details Narrative) (USD $)	Jun. 30, 2014	Dec. 31, 2013
Contingent Liabilities
Contingent liabilities under letters of credit issued on behalf of its customers	$ 3,858,000	$ 4,557,000
Undisbursed Commercial and consumer lines of credit	38,255,000	38,683,000
Undisbursed real estate loans	36,139,000	35,264,000
Reserve for unfunded commitments	$ 146,000	$ 146,000