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DEPOSITS (Details) (USD $)
12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Dec. 31, 2011
DEPOSITS [Abstract]      
Non-interest-bearing deposits $ 85,585,000 $ 89,494,000  
NOW accounts 215,656,000 201,804,000  
Savings deposits 95,678,000 87,836,000  
Money market deposit accounts 85,038,000 83,423,000  
Certificates of deposit 266,359,000 274,539,000  
Total deposits 748,316,000 737,096,000  
Certificates of deposit of $100,000 or more [Abstract]      
Certificates of deposit of $100,000 or more 117,942,000 113,479,000  
Interest expense on certificates of deposit of $100,000 or more 1,516,000 1,819,000 2,496,000
Maturities of certificates of deposit [Abstract]      
2014 133,491,000    
2015 55,317,000    
2016 36,051,000    
2017 19,955,000    
2018 16,323,000    
Thereafter 5,222,000    
Total certificates of deposit $ 266,359,000