FINANCIAL INSTRUMENTS WITH OFF-BALANCE SHEET RISK (Tables)

12 Months Ended

Dec. 31, 2014

FINANCIAL INSTRUMENTS WITH OFF-BALANCE SHEET RISK [Abstract]

Contract Amounts Represent Credit Risk

At December 31, 2014 and 2013, the Banks had the following financial instruments whose approximate contract amounts represent credit risk:

	2014		2013
Standby letters of credit	$	7,593	$	6,084
Commitments to extend credit
Fixed	$	19,904	$	12,040
Variable		60,183		52,576