COMMITMENTS (Tables)

12 Months Ended

Dec. 31, 2014

COMMITMENTS

Schedule of financial instruments whose contract amount represents credit risk

       Financial instruments whose contract amount represents credit risk as of December 31 were as follows:

	2014				2013
	Fixed Rate		Variable Rate		Fixed Rate		Variable Rate
Commitments to extend credit and unused lines of credit	$	33,721	$	581,843	$	16,196	$	453,500
Commercial letters of credit		—		13,286		—		12,318