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DEPOSITS (Details) (USD $)
In Thousands, unless otherwise specified
Dec. 31, 2013
Dec. 31, 2012
DEPOSITS [Abstract]    
Demand $ 60,473 $ 58,531
NOW 45,375 43,920
Money Market 164,678 179,359
Savings 17,593 17,472
Time deposits (over $100) 92,763 91,233
Time deposits (under $100) 148,082 164,402
Total deposits 528,964 554,917
Maturities of time deposits for the next five years and thereafter [Abstract]    
2014 117,181  
2015 88,948  
2016 11,997  
2017 5,373  
2018 3,204  
Thereafter 14,142  
Total certificates of deposits $ 240,845