COMMITMENTS AND OFF BALANCE SHEET ACTIVITIES (Tables)

12 Months Ended

Dec. 31, 2013

Commitments and Contingencies Disclosure [Abstract]

Future Minimum Rental Payments for All Non-Cancelable Leases

Minimum lease payments at December 31, 2013 for all non-cancelable leases were as follows:

2014	$	984
2015		756
2016		508
2017		443
2018		227
Thereafter		887
Total minimum lease payments	$	3,805

Off- Balance-Sheet Risk

Financial instruments with off-balance-sheet risk were as follows at year-end:

	2013				2012
	Fixed		Variable		Fixed		Variable
	Rate		Rate		Rate		Rate
Commitments to make loans (at market rates)	$	7,509	$	8,188	$	6,115	$	8,324
Unused lines of credit		-		392,719		-		340,919
Unused letters of credit		-		47,155		-		46,336