FINANCIAL INSTRUMENTS WITH OFF-BALANCE SHEET RISK (Tables)

12 Months Ended

Dec. 31, 2014

FINANCIAL INSTRUMENTS WITH OFF-BALANCE SHEET RISK [Abstract]

Financial Instruments Whose Contract Amounts Represent Credit Risk

The Bank uses the same credit policies, including considerations of collateral requirements, in making these commitments and conditional obligations as it does for on-balance sheet instruments.

	Contract or Notional Amount
	2014		2013
Financial instruments whose contract amounts represent credit risk: (in thousands)
Commitments to extend credit	$	269,672	$	264,346
Letters of credit		6,524		9,505