Citizens Bancshares 10-Q 14 Aug 14 2014 Q2 Quarterly report Financial data

Document_and_Entity_Informatio

Document and Entity Information	6 Months Ended
	Jun. 30, 2014	Aug. 11, 2014	Aug. 11, 2014
		Common Stock [Member]	Nonvoting Common Stock [Member]
Entity Registrant Name	'CITIZENS BANCSHARES CORP /GA/	'	'
Entity Central Index Key	'0000813640	'	'
Document Type	'10-Q	'	'
Document Period End Date	30-Jun-14	'	'
Amendment Flag	'false	'	'
Current Fiscal Year End Date	'--12-31	'	'
Entity Well-known Seasoned Issuer	'No	'	'
Entity Voluntary Filers	'No	'	'
Entity Current Reporting Status	'Yes	'	'
Entity Filer Category	'Smaller Reporting Company	'	'
Entity Common Stock, Shares Outstanding	'	2,056,790	90,000
Document Fiscal Year Focus	'2014	'	'
Document Fiscal Period Focus	'Q2	'	'

CONSOLIDATED_BALANCE_SHEETS_Un

CONSOLIDATED BALANCE SHEETS (Unaudited) (USD $)	Jun. 30, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
ASSETS	'	'
Cash and due from banks	$2,902	$6,340
Interest-bearing deposits with banks	49,495	22,827
Certificates of deposit	350	350
Investment securities available for sale, at fair value	135,836	141,045
Investment securities held to maturity, at cost	240	240
Other investments	748	874
Loans receivable, net	184,469	182,119
Premises and equipment, net	6,358	6,589
Cash surrender value of life insurance	10,135	9,948
Other Real Estate Owned	6,808	7,404
Other assets	9,432	9,997
Total assets	406,773	387,733
LIABILITIES:	'	'
Noninterest-bearing deposits	83,883	71,142
Interest-bearing deposits	269,641	265,820
Total deposits	353,524	336,962
Accrued expenses and other liabilities	4,431	4,190
Advances from Federal Home Loan Bank	264	273
Total liabilities	358,219	341,425
STOCKHOLDERS' EQUITY:	'	'
Additional paid-in capital	8,130	7,933
Retained earnings	27,729	27,131
Treasury stock at cost, 235,938 shares at June 30, 2014 and December 31, 2013, respectively	-1,882	-1,882
Accumulated other comprehensive income (loss), net of income taxes	528	-1,082
Total stockholders' equity	48,554	46,308
Total liabilities and stockholders' equity	406,773	387,733
Series B Preferred Stock [Member]	'	'
STOCKHOLDERS' EQUITY:	'	'
Preferred stock	7,462	7,462
Series C Preferred Stock [Member]	'	'
STOCKHOLDERS' EQUITY:	'	'
Preferred stock	4,379	4,379
Common Stock [Member]	'	'
STOCKHOLDERS' EQUITY:	'	'
Common stock	2,293	2,293
Nonvoting Common Stock [Member]	'	'
STOCKHOLDERS' EQUITY:	'	'
Common stock	90	90
Restricted Stock [Member]	'	'
STOCKHOLDERS' EQUITY:	'	'
Common stock	($175)	($16)

CONSOLIDATED_BALANCE_SHEETS_Un1

CONSOLIDATED BALANCE SHEETS (Unaudited) (Parenthetical) (USD $)	Jun. 30, 2014	Dec. 31, 2013
Treasury stock, shares	235,938	235,938
Series B Preferred Stock [Member]	'	'
Preferred stock, par value (in dollars per share)	$0	$0
Preferred stock, shares authorized	10,000,000	10,000,000
Preferred stock, shares issued	7,462	7,462
Preferred stock, shares outstanding	7,462	7,462
Series C Preferred Stock [Member]	'	'
Preferred stock, par value (in dollars per share)	$0	$0
Preferred stock, shares authorized	10,000,000	10,000,000
Preferred stock, shares issued	4,379	4,379
Preferred stock, shares outstanding	4,379	4,379
Common Stock [Member]	'	'
Common stock, par value (in dollars per share)	$1	$1
Common stock, shares authorized	20,000,000	20,000,000
Common stock, shares issued	2,292,728	2,292,728
Common stock, shares outstanding	2,292,728	2,292,728
Nonvoting Common Stock [Member]	'	'
Common stock, par value (in dollars per share)	$1	$1
Common stock, shares authorized	5,000,000	5,000,000
Common stock, shares issued	90,000	90,000
Common stock, shares outstanding	90,000	90,000

CONSOLIDATED_STATEMENTS_OF_INC

CONSOLIDATED STATEMENTS OF INCOME (Unaudited) (USD $)	3 Months Ended		6 Months Ended
In Thousands, except Share data, unless otherwise specified	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013
Interest income:	'	'	'	'
Loans, including fees	$2,503	$2,636	$4,980	$5,174
Investment securities:	'	'	'	'
Taxable	564	444	1,148	819
Tax-exempt	284	321	579	661
Interest-bearing deposits	36	28	56	48
Total interest income	3,387	3,429	6,763	6,702
Interest expense:	'	'	'	'
Deposits	211	232	423	467
Total interest expense	211	232	423	467
Net interest income	3,176	3,197	6,340	6,235
Provision for loan losses	'	50	'	275
Net interest income after provision for loan losses	3,176	3,147	6,340	5,960
Noninterest income:	'	'	'	'
Service charges on deposits	710	801	1,413	1,569
Gain on sales of securities	6	103	6	244
Other operating income	301	295	577	623
Total noninterest income	1,017	1,199	1,996	2,436
Noninterest expense:	'	'	'	'
Salaries and employee benefits	1,656	1,637	3,192	3,252
Net occupancy and equipment	501	534	1,044	1,044
Amortization of core deposit intangible	118	118	236	236
FDIC insurance	79	133	156	263
Other real estate owned, net	45	408	276	656
Other operating expenses	1,224	1,271	2,363	2,463
Total noninterest expense	3,623	4,101	7,267	7,914
Income before income taxes	570	245	1,069	482
Income tax expense (benefit)	97	-26	180	-61
Net income	473	271	889	543
Preferred dividends	59	59	118	118
Net income available to common shareholders	$414	$212	$771	$425
Net income per common share - basic (in dollars per share)	$0.19	$0.10	$0.36	$0.20
Net income per common share - diluted (in dollars per share)	$0.19	$0.10	$0.35	$0.20
Weighted average common outstanding shares - basic (in shares)	2,161	2,153	2,161	2,149
Weighted average common outstanding shares - diluted (in shares)	2,190	2,170	2,189	2,166
Dividends per common share (in dollars per share)	$0.08	$0.08	$0.08	$0.08

CONSOLIDATED_STATEMENTS_OF_COM

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (Unaudited) (USD $)	3 Months Ended		6 Months Ended
In Thousands, unless otherwise specified	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013
Consolidated Statements Of Comprehensive Income	'	'	'	'
Net Income	$473	$271	$889	$543
Other Comprehensive Income (Loss)	'	'	'	'
Unrealized holding gain (loss) on investment securities available for sale, net of tax	795	-2,516	1,614	-2,603
Reclassification adjustment for holding gains included in net income, net of tax	-4	-68	-4	-161
Other Comprehensive Income (Loss)	791	-2,584	1,610	-2,764
Total Comprehensive Income (Loss)	$1,264	($2,313)	$2,499	($2,221)

CONSOLIDATED_STATEMENTS_OF_COM1

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (Unaudited) (Parenthetical) (USD $)	3 Months Ended		6 Months Ended
In Thousands, unless otherwise specified	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013
Consolidated Statements Of Comprehensive Income Parenthetical	'	'	'	'
Unrealized holding gain (loss) on investment securities available for sale, tax	($410)	$1,296	($831)	$1,340
Reclassification adjustment for holding gains included in net income, tax	$2	$35	$2	$83

CONDENSED_CONSOLIDATED_STATEME

CONDENSED CONSOLIDATED STATEMENTS OF STOCKHOLDERS' EQUITY (Unaudited) (USD $)	Preferred Stock [Member]	Common Stock [Member]	Nonvoting Common Stock [Member]	Restricted Stock [Member]	Additional Paid-In Capital [Member]	Retained Earnings [Member]	Treasury Stock [Member]	Accumulated Other Comprehensive Income (Loss) [Member]	Total
In Thousands, except Share data
Balance at Dec. 31, 2012	$11,841	$2,250	$90	($57)	$7,942	$26,190	($1,820)	$2,718	$49,154
Balance (in shares) at Dec. 31, 2012	12	2,250	90	'	'	'	-221	'	'
Net income	'	'	'	'	'	543	'	'	543
Other Comprehensive Loss	'	'	'	'	'	'	'	-2,764	-2,764
Issuance of common stock	'	43	'	'	137	'	'	'	180
Issuance of common stock (in shares)	'	43	'	'	'	'	'	'	'
Nonvested restricted stock	'	'	'	17	-146	'	'	'	-129
Purchase of treasury stock	'	'	'	'	'	'	-62	'	-62
Purchase of treasury stock (in shares)	'	'	'	'	'	'	-15	'	'
Dividends paid on preferred stock	'	'	'	'	'	-118	'	'	-118
Dividends declared - common	'	'	'	'	'	-172	'	'	-172
Balance at Jun. 30, 2013	11,841	2,293	90	-40	7,933	26,443	-1,882	-46	46,632
Balance (in shares) at Jun. 30, 2013	12	2,293	90	'	'	'	-236	'	'
Balance at Dec. 31, 2013	11,841	2,293	90	-16	7,933	27,131	-1,882	-1,082	46,308
Balance (in shares) at Dec. 31, 2013	12	2,293	90	'	'	'	-236	'	'
Net income	'	'	'	'	'	889	'	'	889
Other Comprehensive Loss	'	'	'	'	'	'	'	1,610	1,610
Issuance of common stock	'	'	'	'	'	'	'	'	'
Issuance of common stock (in shares)	'	'	'	'	'	'	'	'	'
Nonvested restricted stock	'	'	'	-159	197	'	'	'	38
Purchase of treasury stock	'	'	'	'	'	'	'	'	'
Purchase of treasury stock (in shares)	'	'	'	'	'	'	'	'	'
Dividends paid on preferred stock	'	'	'	'	'	-118	'	'	-118
Dividends declared - common	'	'	'	'	'	-173	'	'	-173
Balance at Jun. 30, 2014	$11,841	$2,293	$90	($175)	$8,130	$27,729	($1,882)	$528	$48,554
Balance (in shares) at Jun. 30, 2014	12	2,293	90	'	'	'	-236	'	'

CONSOLIDATED_STATEMENTS_OF_CAS

CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited) (USD $)	6 Months Ended		12 Months Ended
In Thousands, unless otherwise specified	Jun. 30, 2014	Jun. 30, 2013	Dec. 31, 2013
OPERATING ACTIVITIES:	'	'	'
Net income	$889	$543	'
Adjustments to reconcile net income to net cash provided by operating activities:	'	'	'
Provision for loan losses	'	275	'
Depreciation	272	301	'
Amortization and accretion, net	526	723	'
Provision for deferred income tax benefit	-73	1,382	'
Gains on sale of assets and investments, net	-6	-244	'
Restricted stock based compensation plan	38	-129	'
Decrease in carrying value of other real estate owned	206	350	616
Net (gain) loss on sale of other real estate owned	-54	158	'
Change in other assets	-917	206	'
Change in accrued expenses and other liabilities	241	-884	'
Net cash provided by operating activities	1,122	2,681	'
INVESTING ACTIVITIES:	'	'	'
Net change in certificates of deposit	'	-250	'
Proceeds from calls and maturities of investment securities held to maturity	'	1,806	'
Proceeds from sales, maturities, and paydowns of investment securities available for sale	9,821	18,608	'
Purchases of investment securities available for sale	-2,276	-41,568	'
Net change in loans receivable	-2,612	8,356	'
Proceeds from the sale of other real estate owned	954	2,702	'
Purchases of premises and equipment, net	-41	-163	'
Net cash provided by (used in) investing activities	5,846	-10,509	'
FINANCING ACTIVITIES:	'	'	'
Net change in deposits	16,562	4,053	'
Net change in Federal Funds Purchased	'	5,000	'
Net change in advances from Federal Home Loan Bank	-9	9,990	'
Proceeds from issuance of common stock	'	180	'
Purchase of treasury stock	'	-62	'
Dividends paid - preferred	-118	-118	'
Dividends paid - common	-173	-172	'
Net cash provided by financing activities	16,262	18,871	'
Net change in cash and cash equivalents	23,230	11,043	'
Cash and cash equivalents, beginning of period	29,167	40,187	40,187
Cash and cash equivalents at end of period	52,397	51,230	29,167
Supplemental disclosures of cash paid during the period for:	'	'	'
Interest	456	484	'
Income taxes	'	26	'
Supplemental disclosures of noncash transactions:	'	'	'
Real estate acquired through foreclosure	510	1,377	3,901
Change in unrealized gain (loss) on investment securities available for sale, net of taxes	$1,610	($2,764)	'

SUMMARY_OF_SIGNIFICANT_ACCOUNT

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	6 Months Ended
	Jun. 30, 2014
Organization, Consolidation and Presentation of Financial Statements [Abstract]	'
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	'
	1. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
	Basis of Presentation
	Citizens Bancshares Corporation (the “Company”) is a holding company that provides a full range of commercial and personal banking services to individual and corporate customers in metropolitan Atlanta and Columbus, Georgia, and in Birmingham and Eutaw, Alabama, through its wholly owned subsidiary, Citizens Trust Bank (the “Bank”). The Bank operates under a state charter and serves its customers through seven full-service financial centers in metropolitan Atlanta, Georgia, one full-service financial center in Columbus, Georgia, one full-service financial center in Birmingham, Alabama, and one full-service financial center in Eutaw, Alabama.
	The accompanying unaudited consolidated financial statements have been prepared pursuant to the rules and regulations for reporting on Form 10-Q. Accordingly, certain disclosures required by generally accepted accounting principles are not included herein. These interim statements should be read in conjunction with the financial statements and notes thereto included in the Company’s latest Annual Report on Form 10-K filed with the Securities and Exchange Commission for the year ended December 31, 2013. The results of operations for the interim periods reported herein are not necessarily representative of the results expected for the full 2014 fiscal year.
	The consolidated financial statements of the Company for the three and six month periods ended June 30, 2014 are unaudited.  In the opinion of management, all adjustments necessary for a fair presentation of the financial position and results of operations and cash flows for the three and six month periods have been included.  All adjustments are of a normal recurring nature.  All significant intercompany accounts and transactions have been eliminated in consolidation.
	Accounting Policies
	The Company’s consolidated financial statements have been prepared in accordance with accounting principles generally accepted in the United States of America (“GAAP”), which often require the judgment of management in the selection and application of certain accounting principles and methods. Reference is made to the accounting policies of the Company described in the notes to the consolidated financial statements contained in the Company’s Annual Report on Form 10-K for the year ended December 31, 2013. The Company has followed those policies in preparing this report. Management believes that the quality and reasonableness of its most critical policies enable the fair presentation of its financial position and of its results of operations.
	Troubled Asset Relief Program
	On August 13, 2010, as part of the U.S. Department of the Treasury (the “Treasury”) Troubled Asset Relief Program (“TARP”) Community Development Capital Initiative, the Company entered into a Letter Agreement, and an Exchange Agreement–Standard Terms (“Exchange Agreement”), with the Treasury, pursuant to which the Company agreed to exchange 7,462 shares of the Company’s Fixed Rate Cumulative Perpetual Preferred Stock, Series A (“Series A Preferred Shares”), issued on March 6, 2009, pursuant to the Company’s participation in the TARP Capital Purchase Program, for 7,462 shares of the Company’s Fixed Rate Cumulative Perpetual Preferred Stock, Series B (“Series B Preferred Shares”), both of which have a liquidation preference of $1,000 (the “Exchange Transaction”). No new monetary consideration was exchanged in connection with the Exchange Transaction. The Exchange Transaction closed on August 13, 2010 (the “Closing Date”).
	On September 17, 2010, the Company issued 4,379 shares of its Series C Preferred Shares to the Treasury as part of its TARP Community Development Capital Initiative for a total of 11,841 shares of Series B and C Preferred Shares issued to Treasury. The issuance of the Series B and Series C Preferred Shares was a private placement exempt from registration pursuant to Section 4(2) of the Securities Act of 1933, as amended.
	The Series B and Series C Preferred Shares qualify as Tier 1 capital and will pay cumulative dividends at a rate of 2% per annum for the first eight years after the Closing Date and 9% per annum thereafter. The Company may, subject to consultation with the Federal Reserve Bank of Atlanta, redeem the Series B and Series C Preferred Shares at any time for its aggregate liquidation amount plus any accrued and unpaid dividends.
	Recently Issued Accounting Standards
	In January 2014, the FASB amended Receivables topic of the Accounting Standards Codification. The amendments are intended to resolve diversity in practice with respect to when a creditor should reclassify a collateralized consumer mortgage loan to other real estate owned (OREO). In addition, the amendments require a creditor reclassify a collateralized consumer mortgage loan to OREO upon obtaining legal title to the real estate collateral, or the borrower voluntarily conveying all interest in the real estate property to the lender to satisfy the loan through a deed in lieu of foreclosure or similar legal agreement. The amendments will be effective for the Company for annual periods, and interim periods within those annual periods beginning after December 15, 2014, with early implementation of the guidance permitted. In implementing this guidance, assets that are reclassified from real estate to loans are measured at the carrying value of the real estate at the date of adoption. Assets reclassified from loans to real estate are measured at the lower of the net amount of the loan receivable or the fair value of the real estate less costs to sell at the date of adoption. The Company will apply the amendment prospectively. The Company does not expect these amendments to have a material effect on its financial statements.
	In May 2014, the FASB issued guidance to change the recognition of revenue from contracts with customers. The core principle of the new guidance is that an entity should recognize revenue to reflect the transfer of goods and services to customers in an amount equal to the consideration the entity receives or expects to receive. The guidance will be effective for the Company for reporting periods beginning after December 15, 2016. The Company will apply the guidance using a full retrospective approach. The Company does not expect these amendments to have a material effect on its financial statements.
	Other accounting standards that have been issued or proposed by the FASB or other standards-setting bodies are not expected to have a material impact on the Company’s financial position, results of operations or cash flows.

INVESTMENTS

INVESTMENTS	6 Months Ended
	Jun. 30, 2014
Investments, Debt and Equity Securities [Abstract]	'
INVESTMENTS	'
	2. INVESTMENTS
	Investment securities available for sale are summarized as follows (in thousands):
	At June 30, 2014		Amortized Cost				Gross Unrealized Gains				Gross Unrealized Losses				Fair Value
	State, county, and municipal securities		$	31,766			$	1,631			$	—			$	33,397
	Mortgage-backed securities			93,433				562				1,565				92,430
	Corporate securities			9,837				178				6				10,009
	Totals		$	135,036			$	2,371			$	1,571			$	135,836
	At December 31, 2013		Amortized Cost				Gross Unrealized Gains				Gross Unrealized Losses				Fair Value
	State, county, and municipal securities		$	33,735			$	1,097			$	30			$	34,802
	Mortgage-backed securities			99,143				347				3,223				96,267
	Corporate securities			9,806				180				10				9,976
	Totals		$	142,684			$	1,624			$	3,263			$	141,045
	Investment securities held to maturity are summarized as follows (in thousands):
	At June 30, 2014		Amortized Cost				Gross Unrealized Gains				Gross Unrealized Losses				Fair Value
	State, county, and municipal securities		$	240			$	1			$	—			$	241
	At December 31, 2013		Amortized Cost				Gross Unrealized Gains				Gross Unrealized Losses				Fair Value
	State, county, and municipal securities		$	240			$	—			$	—			$	240
	The amortized costs and fair values of investment securities at June 30, 2014, by contractual maturity, are shown below. Expected maturities may differ from contractual maturities because issuers may have the right to call or prepay obligations with and without call or prepayment penalties (in thousands).
			Available for Sale								Held to Maturity
			Amortized				Fair				Amortized				Fair
			Cost				Value				Cost				Value
	Due in one year or less		$	—			$	—			$	—			$	—
	Due after one year through five years			13,312				13,643				240				241
	Due after five years through ten years			31,832				33,219				—				—
	Due after ten years			89,892				88,974				—				—
			$	135,036			$	135,836			$	240			$	241
	Securities with carrying values of $93,945,000 and $102,728,000 as of June 30, 2014 and December 31, 2013, respectively, were pledged to secure public deposits, FHLB advances and a $21.0 million line of credit at the Federal Reserve Bank discount window and for other purposes as required by law.
	Proceeds from the sale of securities were $611,000 and $2,268,000 for the six months ended June 30, 2014 and 2013, respectively. Gross realized gains on sales of securities were $6,000 and $244,000 for the six months ended June 30, 2014 and 2013, respectively. Proceeds from the sale of securities were $611,000 and $1,186,000 for the three months ended June 30, 2014 and 2013, respectively. For the three month period ended June 30, 2014 and 2013, gross realized gains on securities were $6,000 and $103,000, respectively. There were no gross realized losses on sales of securities for the three month and six month periods ended June 30, 2014 and 2013, respectively.
	The Company’s investment portfolio consists principally of obligations of the United States, its agencies, or its corporations, general obligation and revenue municipals and corporate securities. In the opinion of management, there is no concentration of credit risk in its investment portfolio. The company places its deposits and correspondent accounts with and sells its federal funds to high quality institutions. Management believes credit risk associated with correspondent accounts is not significant.
	The following tables show investments’ gross unrealized losses and fair value, aggregated by investment category and length of time that the individual securities have been in a continuous unrealized loss position, at June 30, 2014 and December 31, 2013. Except as explicitly identified below, all unrealized losses on investment securities are considered by management to be temporarily impaired given the credit ratings on these investment securities and the short duration of the unrealized loss (in thousands).
	At June 30, 2014
	Securities Available for Sale
					Securities in a loss position  for								Securities in a loss position  for
					less than twelve months								twelve months or more								Total
									Unrealized								Unrealized								Unrealized
					Fair value				losses				Fair value				losses				Fair value				losses
		Mortgage-backed securities			$	9,997			$	(155	)		$	48,373			$	(1,410	)		$	58,370			$	(1,565	)
		Corporate				1,994				(6	)			—				—				1,994				(6	)
		Total			$	11,991			$	(161	)		$	48,373			$	(1,410	)		$	60,364			$	(1,571	)
	Securities Held to Maturity
	There were no securities classified as held to maturity in an unrealized loss position at June 30, 2014.
	At December 31, 2013
	Securities Available for Sale
			Securities in a loss position  for								Securities in a loss position  for
			less than twelve months								twelve months or more								Total
							Unrealized								Unrealized								Unrealized
			Fair value				losses				Fair value				losses				Fair value				losses
	Municipal securities		$	2,775			$	(30	)		$	—			$	—			$	2,775			$	(30	)
	Mortgage-backed securities			68,420				(2,907	)			5,136				(316	)			73,556				(3,223	)
	Corporate			1,990				(10	)			—				—				1,990				(10	)
	Total		$	73,185			$	(2,947	)		$	5,136			$	(316	)		$	78,321			$	(3,263	)
	Securities Held to Maturity
	There were no securities classified as held to maturity in an unrealized loss position at December 31, 2013.
	The Company’s available for sale portfolio had twenty-four investment securities at June 30, 2014 that were in an unrealized loss position for longer than twelve months. At December 31, 2013, the Company had two investment securities that were in an unrealized loss position for longer than twelve months. The Company reviews these securities for other-than-temporary impairment on a quarterly basis by monitoring their credit support and coverage, constant payment of the contractual principal and interest, loan to value and delinquencies ratios.
	We use prices from third party pricing services and, to a lesser extent, indicative (non-binding) quotes from third party brokers, to measure fair value of our investment securities. Fair values of the investment securities portfolio could decline in the future if the underlying performance of the collateral for collateralized mortgage obligations or other securities deteriorates and the levels do not provide sufficient protection for contractual principal and interest. As a result, there is risk that an other-than-temporary impairment may occur in the future particularly in light of the current economic environment.
	As of the date of its evaluation, the Company did not intend to sell and has the ability to hold these securities and it is more likely than not that the Company will not be required to sell those securities before recovery of its amortized cost or the security matures. The Company believes, based on industry analyst reports and credit ratings, that it will continue to receive scheduled interest payments as well as the entire principal balance, and the deterioration in value is attributable to changes in market interest rates and is not in the credit quality of the issuer and therefore, these losses are not considered other-than-temporary.

LOANS_RECEIVABLE_AND_ALLOWANCE

LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES	6 Months Ended
	Jun. 30, 2014
Loans and Leases Receivable Disclosure [Abstract]	'
LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES	'
	3. LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES
	Loans outstanding, by classification, are summarized as follows (in thousands):
		June 30,			December 31,
		2014			2013
	Commercial, financial, and agricultural	$	23,854		$	20,292
	Commercial Real Estate		118,280			120,180
	Single-Family Residential		33,739			34,864
	Construction and Development		5,078			3,626
	Consumer		6,476			6,314
			187,427			185,276
	Allowance for loan losses		2,958			3,157
		$	184,469		$	182,119
	Activity in the allowance for loan losses for the six months ended June 30, 2014 and 2013 and the year ended December 31, 2013 is summarized as follows (in thousands):
		June 30,			December 31,			June 30,
		2014			2013			2013
	Balance at beginning of period	$	3,157		$	3,509		$	3,509
	Provision for loan losses		—			425			275
	Loans charged-off		(358	)		(1,485	)		(808	)
	Recoveries on loans previously charged-off		159			708			438
	Balance at end of period	$	2,958		$	3,157		$	3,414
	Activity in the allowance for loan losses by portfolio segment is summarized as follows (in thousands):
		For the Three Month Period Ended June 30, 2014
		Commercial			Commercial Real Estate			Single-family Residential			Construction & Development			Consumer			Total
	Beginning balance	$	394		$	1,619		$	765		$	126		$	165		$	3,069
	Provision for loan losses		(157	)		307			(190	)		13			27			—
	Loans charged-off		—			(31	)		(72	)		—			(55	)		(158	)
	Recoveries on loans charged-off		14			18			5			—			10			47
	Ending Balance	$	251		$	1,913		$	508		$	139		$	147		$	2,958
		For the Six Month Period Ended June 30, 2014
		Commercial			Commercial Real Estate			Single-family Residential			Construction & Development			Consumer			Total
	Beginning balance	$	384		$	1,721		$	731		$	126		$	195		$	3,157
	Provision for loan losses		(157	)		307			(190	)		13			27			—
	Loans charged-off		—			(136	)		(124	)		—			(98	)		(358	)
	Recoveries on loans charged-off		24			21			91			—			23			159
	Ending Balance	$	251		$	1,913		$	508		$	139		$	147		$	2,958
		For the Three Month Period Ended June 30, 2013
		Commercial			Commercial Real Estate			Single-family Residential			Construction & Development			Consumer			Total
	Beginning balance	$	408		$	1,828		$	734		$	186		$	259		$	3,415
	Provision for loan losses		(246	)		332			(77	)		(30	)		71			50
	Loans charged-off		(1	)		(307	)		(68	)		—			(44	)		(420	)
	Recoveries on loans charged-off		7			327			17			—			18			369
	Ending Balance	$	168		$	2,180		$	606		$	156		$	304		$	3,414
		For the Six Month Period Ended June 30, 2013
		Commercial			Commercial Real Estate			Single-family Residential			Construction & Development			Consumer			Total
	Beginning balance	$	433		$	1,853		$	803		$	177		$	243		$	3,509
	Provision for loan losses		(277	)		346			59			9			138			275
	Loans charged-off		(6	)		(373	)		(284	)		(30	)		(115	)		(808	)
	Recoveries on loans charged-off		18			354			28			—			38			438
	Ending Balance	$	168		$	2,180		$	606		$	156		$	304		$	3,414
		For the Year Ended December 31, 2013
		Commercial			Commercial Real Estate			Single-family Residential			Construction & Development			Consumer			Total
	Beginning balance	$	433		$	1,853		$	803		$	177		$	243		$	3,509
	Provision for loan losses		(68	)		127			361			(56	)		61			425
	Loans charged-off		(22	)		(710	)		(554	)		(30	)		(169	)		(1,485	)
	Recoveries on loans charged-off		41			451			121			35			60			708
	Ending Balance	$	384		$	1,721		$	731		$	126		$	195		$	3,157
	Portions of the allowance for loan losses may be allocated for specific loans or portfolio segments. However, the entire allowance for loan losses is available for any loan that, in the judgment of management, should be charged-off.
	In determining our allowance for loan losses, we regularly review loans for specific reserves based on the appropriate impairment assessment methodology. Consumer residential loans are evaluated as a homogeneous population and therefore loans are not evaluated individually for impairment. General reserves are determined using historical loss trends measured over a rolling four quarter average for consumer loans, and a three year average loss factor for commercial loans which is applied to risk rated loans grouped by Federal Financial Examination Council (“FFIEC”) call code. For commercial loans, the general reserves are calculated by applying the appropriate historical loss factor to the loan pool. Impaired loans greater than a minimum threshold established by management are excluded from this analysis.   The sum of all such amounts determines our total allowance for loan losses.
	The allocation of the allowance for loan losses by portfolio segment was as follows (in thousands):
		At June 30, 2014
		Commercial			Commercial Real Estate			Single-family Residential			Construction & Development			Consumer			Total
	Specific Reserves:
	Impaired loans	$	—		$	237		$	9		$	139		$	—		$	385
Total specific reserves		—			237			9			139			—			385
General reserves		251			1,676			499			—			147			2,573
Total	$	251		$	1,913		$	508		$	139		$	147		$	2,958
Loans individually evaluated for impairment	$	—		$	10,530		$	782		$	359		$	—		$	11,671
Loans collectively evaluated for impairment		23,854			107,750			32,957			4,719			6,476			175,756
Total	$	23,854		$	118,280		$	33,739		$	5,078		$	6,476		$	187,427
	At December 31, 2013
	Commercial			Commercial Real Estate			Single-family Residential			Construction & Development			Consumer			Total
Specific Reserves:
Impaired loans	$	—		$	3		$	—		$	—		$	—		$	3
Total specific reserves		—			3			—			—			—			3
General reserves		384			1,718			731			126			195			3,154
Total	$	384		$	1,721		$	731		$	126		$	195		$	3,157
Loans individually evaluated for impairment	$	—		$	10,705		$	360		$	—		$	—		$	11,065
Loans collectively evaluated for impairment		20,292			109,475			34,504			3,626			6,314			174,211
Total	$	20,292		$	120,180		$	34,864		$	3,626		$	6,314		$	185,276
The following table presents impaired loans by class of loan (in thousands):
	At June 30, 2014
										Impaired Loans - With
	Impaired Loans - With Allowance									no Allowance
	Unpaid Principal			Recorded Investment			Allowance for Loan Losses Allocated			Unpaid Principal			Recorded Investment
Residential:
First mortgages	$	—		$	—		$	—		$	231		$	231
HELOC’s and equity		86			70			9			493			481
Commercial
Secured		—			—			—			—			—
Unsecured		—			—			—			—			—
Commercial Real Estate:
Owner occupied		—			—			—			10,417			8,131
Non-owner occupied		1,906			1,606			227			822			696
Multi-family		97			97			10			—			—
Construction and Development:
Construction		359			359			139			—			—
Improved Land		—			—			—			—			—
Unimproved Land		—			—			—			—			—
Consumer and Other		—			—			—			—			—
Total	$	2,448		$	2,132		$	385		$	11,963		$	9,539
The following table presents the average recorded investment and interest income recognized on impaired loans by class of loan (in thousands):
	30-Jun-14						30-Jun-13
	Average Recorded Investment			Interest Income Recognized			Average Recorded Investment			Interest Income Recognized
Residential:
First mortgages	$	231		$	—		$	231		$	—
HELOC’s and equity		581			13			128			17
Commercial
Secured		—			—			—			—
Unsecured		—			—			—			—
Commercial Real Estate:
Owner occupied		8,247			443			8,031			394
Non-owner occupied		2,347			43			5,282			171
Multi-family		98			27			364			46
Construction and Development:					.						.
Construction		362			19			—			—
Improved Land		—			—			—			—
Unimproved Land		—			—			—			—
Consumer and Other		—			—			—			—
Total	$	11,866		$	545		$	14,036		$	628
	At December 31, 2013
										Impaired Loans - With
	Impaired Loans - With Allowance									no Allowance
	Unpaid Principal			Recorded Investment			Allowance for Loan Losses Allocated			Unpaid Principal			Recorded Investment			Average Recorded Investment			Interest Income Recognized
Residential:
First mortgages	$	—		$	—		$	—		$	231		$	231		$	231		$	—
HELOC’s and equity		—			—			—			129			129			128			2
Commercial
Secured		—			—			—			—			—			—			—
Unsecured		—			—			—			—			—			—			—
Commercial Real Estate:
Owner occupied		—			—			—			10,300			7,968			8,049			534
Non-owner occupied		—			—			—			2,924			2,407			2,516			108
Multi-family		386			330			3			—			—			359			28
Construction and Development:
Construction		—			—			—			—			—			—			—
Improved Land		—			—			—			—			—			—			—
Unimproved Land		—			—			—			—			—			—			—
Consumer and Other		—			—						—			—			—			—
Total	$	386		$	330		$	3		$	13,584		$	10,735		$	11,283		$	672
The following table is an aging analysis of our loan portfolio (in thousands):
	At June 30, 2014
	30- 59 Days Past Due			60- 89 Days Past Due			Over 90 Days Past Due			Total Past Due			Current			Total Loans Receivable			Recorded		Nonaccrual
																			Investment
																			> 90 Days and
																			Accruing
Residential:
First mortgages	$	40		$	98		$	1,707		$	1,845		$	23,710		$	25,555		$	35	$	2,473
HELOC’s and equity		586			85			729			1,400			6,784			8,184			—		831
Commercial:
Secured		—			—			2			2			18,903			18,905			—		2
Unsecured		—			—			—			—			4,949			4,949			—		—
Commercial Real Estate:
Owner occupied		137			248			339			724			61,357			62,081			—		1,372
Non-owner occupied		4,468			326			81			4,875			37,096			41,971			—		1,034
Multi-family		430			399			—			829			13,399			14,228			—		—
Construction and  Development:
Construction		566			—			—			566			4,311			4,877			—		—
Improved Land		156			—			—			156			45			201			—		—
Unimproved Land		—			—			—			—			—			—			—		—
Consumer and Other		4			27			30			61			6,415			6,476			—		30
Total	$	6,387		$	1,183		$	2,888		$	10,458		$	176,969		$	187,427		$	35	$	5,742
	At December 31, 2013
	30- 59 Days Past Due			60- 89 Days Past Due			Over 90 Days Past Due			Total Past Due			Current			Total Loans Receivable			Recorded Investment > 90 Days and  Accruing		Nonaccrual
Residential:
First mortgages	$	1,778		$	360		$	1,840		$	3,978		$	22,348		$	26,326		$	—	$	3,334
HELOC’s and equity		444			19			466			929			7,609			8,538			—		821
Commercial:
Secured		125			—			2			127			14,906			15,033			—		2
Unsecured		—			—			—			—			5,259			5,259			—		—
Commercial Real Estate:
Owner occupied		715			753			81			1,549			60,090			61,639			—		1,038
Non-owner occupied		38			199			286			523			43,287			43,810			—		1,550
Multi-family		747			—			—			747			13,984			14,731			—		330
Construction and  Development:
Construction		477			—			—			477			2,542			3,019			—		—
Improved Land		—			—			—			—			242			242			—		—
Unimproved Land		—			—			—			—			365			365			—		—
Consumer and Other		6			30			45			81			6,233			6,314			—		45
Total	$	4,330		$	1,361		$	2,720		$	8,411		$	176,865		$	185,276		$	—	$	7,120
Each of our portfolio segments and the classes within those segments are subject to risks that could have an adverse impact on the credit quality of our loan and lease portfolio. Management has identified the most significant risks as described below which are generally similar among our segments and classes. While the list in not exhaustive, it provides a description of the risks that management has determined are the most significant.
Commercial, financial and agricultural loans—We centrally underwrite each of our commercial loans based primarily upon the customer’s ability to generate the required cash flow to service the debt in accordance with the contractual terms and conditions of the loan agreement. We endeavor to gain a complete understanding of our borrower’s businesses including the experience and background of the principals. To the extent that the loan is secured by collateral, which is a predominant feature of the majority of our commercial loans, we gain an understanding of the likely value of the collateral and what level of strength the collateral brings to the loan transaction. To the extent that the principals or other parties provide personal guarantees, we analyze the relative financial strength and liquidity of each guarantor. Common risks to each class of commercial loans include risks that are not specific to individual transactions such as general economic conditions within our markets, as well as risks that are specific to each transaction including demand for products and services, personal events such as disability or change in marital status, and reductions in the value of our collateral. Due to the concentration of loans in the metro Atlanta and Birmingham areas, we are susceptible to changes in market and economic conditions of these areas.
Consumer—The installment loan portfolio includes loans secured by personal property such as automobiles, marketable securities, other titled recreational vehicles and motorcycles, as well as unsecured consumer debt. The value of underlying collateral within this class is especially volatile due to potential rapid depreciation in values since date of loan origination in excess of principal repayment.
Commercial Real Estate—Real estate commercial loans consist of loans secured by multifamily housing, commercial non-owner and owner occupied and other commercial real estate loans. The primary risk associated with multifamily loans is the ability of the income-producing property that collateralizes the loan to produce adequate cash flow to service the debt. High unemployment or generally weak economic conditions may result in our customer having to provide rental rate concessions to achieve adequate occupancy rates. Commercial owner-occupied and other commercial real estate loans are primarily dependent on the ability of our customers to achieve business results consistent with those projected at loan origination resulting in cash flow sufficient to service the debt. To the extent that a customer’s business results are significantly unfavorable versus the original projections, the ability for our loan to be serviced on a basis consistent with the contractual terms may be at risk. These loans are primarily secured by real property and can include other collateral such as personal guarantees, personal property, or business assets such as inventory or accounts receivable, it is possible that the liquidation of the collateral will not fully satisfy the obligation. Also, due to the concentration of loans in the metro Atlanta and Birmingham areas, we are susceptible to changes in market and economic conditions of these areas.
Single-family Residential— Real estate residential loans are to individuals and are secured by 1-4 family residential property. Significant and rapid declines in real estate values can result in residential mortgage loan borrowers having debt levels in excess of the current market value of the collateral. Such a decline in values led to unprecedented levels of foreclosures and losses during 2008-2012 within the banking industry.
Construction and Development—Real estate construction loans are highly dependent on the supply and demand for residential and commercial real estate in the markets we serve as well as the demand for newly constructed commercial space and residential homes and lots that our customers are developing. Continuing deterioration in demand could result in significant decreases in the underlying collateral values and make repayment of the outstanding loans more difficult for our customers. Real estate construction loans can experience delays in completion and cost overruns that exceed the borrower’s financial ability to complete the project. Such cost overruns can routinely result in foreclosure of partially completed and unmarketable collateral.
Risk categories—The Company categorizes loans into risk categories based on relevant information about the ability of borrowers to service their debt such as: current financial information, historical payment experience, credit documentation, public information, and current economic trends, among other factors. The Company analyzes loans individually by classifying the loans as to credit risk. Loans classified as substandard or special mention are reviewed quarterly by the Company for further deterioration or improvement to determine if appropriately classified and impairment, if any. All other loan relationships greater than $750,000 are reviewed at least annually to determine the appropriate loan grading. In addition, during the renewal process of any loan, as well as if a loan becomes past due, the Company will evaluate the loan grade.
Loans excluded from the scope of the annual review process above are generally classified as pass credits until: (a) they become past due; (b) management becomes aware of deterioration in the credit worthiness of the borrower; or (c) the customer contacts the Company for a modification. In these circumstances, the loan is specifically evaluated for potential classification as to special mention, substandard or even charged off. The Company uses the following definitions for risk ratings:
Special Mention Loans classified as special mention have a potential weakness that deserves management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the loan or of the institution’s credit position at some future date.
Substandard Loans classified as substandard are inadequately protected by the current net worth and payment capacity of the obligor or of the collateral pledged, if any. Loans so classified have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that the institution will sustain some loss if the deficiencies are not corrected.
Doubtful Loans classified as doubtful have all the weaknesses inherent in those classified as substandard, with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions, and values, highly questionable and improbable.
The following table presents our loan portfolio by risk rating (in thousands):
	At June 30, 2014
	Total			Pass Credits			Special Mention			Substandard			Doubtful
Residential:
First mortgages	$	25,555		$	23,709		$	40		$	1,739		$	67
HELOC’s and equity		8,184			7,030			19			994			141
Commercial:
Secured		18,905			18,885			—			20			—
Unsecured		4,949			4,949			—			—			—
Commercial Real Estate:
Owner occupied		62,081			49,065			8,303			4,713			—
Non-owner occupied		41,971			39,701			—			2,180			90
Multi-family		14,228			13,443			646			139			—
Construction and Development:
Construction		4,877			4,518			—			359			—
Improved Land		201			159			—			42			—
Unimproved Land		—			—			—			—			—
Consumer and Other		6,476			6,396			—			69			11
Total	$	187,427		$	167,855		$	9,008		$	10,255		$	309
	At December 31, 2013
	Total			Pass Credits			Special Mention			Substandard			Doubtful
Residential:
First mortgages	$	26,326		$	24,126		$	—		$	2,200		$	—
HELOC’s and equity		8,538			7,686			22			728			102
Commercial:
Secured		15,033			15,009			—			24			—
Unsecured		5,259			5,259			—			—			—
Commercial Real Estate:
Owner occupied		61,639			50,921			5,929			4,789			—
Non-owner occupied		43,810			40,482			819			2,509			—
Multi-family		14,731			13,704			647			380			—
Construction and Development:
Construction		3,019			3,019			—			—			—
Improved Land		242			197			—			45			—
Unimproved Land		365			—			—			365			—
Consumer and Other		6,314			6,224			—			90			—
Total	$	185,276		$	166,627		$	7,417		$	11,130		$	102
During the three and six months ended June 30, 2014 the bank modified no loans that were considered to be troubled debt restructurings.
During the three and six months ended June 30, 2013, the Bank modified 5 and 8 loans, respectively that were considered to be troubled debt restructurings. We extended the terms and decreased the interest rate on 3 and 6 loans during the three and six months ended June 30, 2013. We decreased the interest rate on 2 and 2 loans during the three and six months ended June 30, 2013. (dollars in thousands)
Extended Terms and Decreased Interest Rate
	Three months ended June 30, 2013
	Number of Loans			Pre-Modification Recorded Investment			Post-Modification Recorded Investment
Troubled Debt Restructurings
Residential mortgages		2		$	335		$	346
Commercial Real Estate:
Non-owner occupied		1			190			196
Total		3		$	525		$	542
	Six months ended June 30, 2013
	Number of Loans			Pre-Modification Recorded Investment			Post-Modification Recorded Investment
Troubled Debt Restructurings
Residential mortgages		2		$	335		$	346
Commercial Real Estate:
Owner occupied		2			252			258
Non-owner occupied		2			1,196			1,197
Total		6		$	1,783		$	1,801
Decreased Interest Rate Only
	Three months ended June 30, 2013
	Number of Loans			Pre-Modification Recorded Investment			Post-Modification Recorded Investment
Troubled Debt Restructurings
Residential mortgages		2		$	140		$	140
Total		2		$	140		$	140
	Six months ended June 30, 2013
	Number of Loans			Pre-Modification Recorded Investment			Post-Modification Recorded Investment
Troubled Debt Restructurings
Residential mortgages		2		$	140		$	140
Total		2		$	140		$	140
There were no loans restructured during the last twelve months that have experienced payment default subsequent to restructuring during the three and six months ended June 30, 2014 and 2013, respectively.
The Company considers a default as failure to comply with the restructured loan agreement. This would include the restructured loan being past due greater than 90 days, failure to comply with financial covenants, or failure to maintain current insurance coverage or real estate taxes after the loan restructure date.

FAIR_VALUE_OF_FINANCIAL_INSTRU

FAIR VALUE OF FINANCIAL INSTRUMENTS	6 Months Ended
	Jun. 30, 2014
Fair Value Disclosures [Abstract]	'
FAIR VALUE OF FINANCIAL INSTRUMENTS	'
	4. FAIR VALUE OF FINANCIAL INSTRUMENTS
	The Company measures or monitors certain of its assets and liabilities on a fair value basis. Fair value is used on a recurring basis for assets and liabilities that are elected to be accounted for under ASC guidance as well as certain assets and liabilities in which fair value is the primary basis of accounting. Depending on the nature of the asset or liability, the Company uses various valuation techniques and assumptions when estimating fair value, which are in accordance with the guidance for determining the fair value of a financial asset when the market for that asset is not active.
	In accordance with ASC guidance, the Company applied the following fair value hierarchy:
	Level 1—Quoted prices in active markets for identical assets or liabilities. Level 1 assets and liabilities include debt and equity securities and derivative contracts that are traded in an active exchange market, as well as U.S. Treasury and other highly liquid investments that are actively traded in over-the-counter markets.
	Level 2—Observable inputs other than Level 1 prices such as quoted prices for similar assets or liabilities; quoted prices in markets that are not active; or other inputs that are observable or can be corroborated by observable market data for substantially the full term of the assets or liabilities. Level 2 assets and liabilities include debt securities with quoted prices that are traded less frequently than exchange-traded instruments and derivative contracts whose value is determined using a pricing model with inputs that are observable in the market or can be derived principally from or corroborated by observable market data. This category generally includes U.S. Government and agency mortgage-backed debt securities, certain derivative contracts and impaired loans.
	Level 3—Unobservable inputs that are supported by little or no market activity and that are significant to the fair value of the assets or liabilities. Level 3 assets and liabilities include financial instruments whose value is determined using pricing models, discounted cash flow methodologies, or similar techniques, as well as instruments for which the determination of fair value requires significant management judgment or estimation. For example, this category generally includes certain private equity investments, retained residual interests in securitizations, residential mortgage servicing rights, and highly structured or long-term derivative contracts.
	Investment Securities Available for Sale—Investment securities available for sale are recorded at fair value on a recurring basis. Fair value measurement is based upon quoted prices, if available. If quoted prices are not available, fair values are measured using independent pricing models or other model-based valuation techniques such as the present value of future cash flows, adjusted for the security’s credit rating, prepayment assumptions and other factors such as credit loss assumptions. Level 1 securities include those traded on an active exchange such as the New York Stock Exchange, Treasury securities that are traded by dealers or brokers in active over-the counter markets and money market funds. Level 2 securities include mortgage backed securities issued by government sponsored entities, municipal bonds and corporate debt securities. Securities classified as Level 3 include asset-backed securities in less liquid markets.
	Other Real Estate Owned— Assets acquired through or instead of loan foreclosure are initially recorded at fair value less estimated costs to sell when acquired, establishing a new cost basis. These assets are subsequently accounted for at lower of cost or fair value less estimated costs to sell. The fair value of other real estate owned is generally based on recent real estate appraisals. These appraisals may utilize a single valuation approach or a combination of approaches including comparable sales and the income approach. Adjustments are routinely made in the appraisal process by the appraisers to adjust for differences between the comparable sales and income data available. Such adjustments are typically significant and result in a Level 3 classification of the inputs for determining fair value. In addition, the Company may further adjust an appraised amount given its knowledge of a specific property or market.
	Loans—The Company does not record loans at fair value on a recurring basis, however, from time to time, a loan is considered impaired and an allowance for loan loss is established. Loans for which it is probable that payment of interest and principal will not be made in accordance with the contractual terms of the loan are considered impaired. Once a loan is identified as individually impaired, management measures impairment. The fair value of impaired loans is estimated using one of several methods, including the collateral value, market value of similar debt, and discounted cash flows. Those impaired loans not requiring a specific allowance represent loans for which the fair value of expected repayments or collateral exceed the recorded investment in such loans. At June 30, 2014 and December 31, 2013, substantially all of the impaired loans were evaluated based upon the fair value of the collateral. Impaired loans where an allowance is established based on the fair value of collateral require classification in the fair value hierarchy. The fair value of collateral dependent impaired loans is generally based on recent real estate appraisals. These appraisals may utilize a single valuation approach or a combination of approaches including comparable sales and the income approach. Adjustments are routinely made in the appraisal process by the appraisers to adjust for differences between the comparable sales and income data available. Such adjustments are typically significant and result in a Level 3 classification of the inputs for determining fair value. In addition, the Company may further adjust an appraised amount given its knowledge of a specific property or market. Impaired loans are evaluated on a quarterly basis for additional impairment and adjusted accordingly.
	The following tables present financial assets measured at fair value on a recurring and nonrecurring basis and the change in fair value for those specific financial instruments in which fair value has been elected. (there were no financial liabilities measured at fair value for the periods being reported) (in thousands):
		Fair Value Measurements at June 30, 2014
				Quoted Prices
				In Active		Significant
				Markets for		Other				Significant
		Assets		Identical		Observable				Unobservable
		Measured at		Assets		Inputs				Inputs
		Fair Value		(Level 1)		(Level 2)				(Level 3)
	Recurring Basis:
	Assets
	Securities available for sale:
	State, county, and municipal securities	$	33,397	$	—	$	33,397			$	—
	Mortgage-backed securities		92,430		—		92,430				—
	Corporate securities		10,009		—		10,009				—
			135,836				135,836
	Nonrecurring Basis:
	Assets
	Collateral Dependent Impaired loans:
	Commercial Real Estate	$	10,293	$	—	$	—			$	10,293
	Single-family Residential		773		—		—				773
	Construction and Development		220		—		—				220
	Other real estate owned		6,808		—		—				6,808
			18,094								18,094
		Fair Value Measurements at December 31, 2013
				Quoted Prices
				In Active		Significant
				Markets for		Other				Significant
		Assets		Identical		Observable				Unobservable
		Measured at		Assets		Inputs				Inputs
		Fair Value		(Level 1)		(Level 2)				(Level 3)
	Recurring Basis:
	Assets
	Securities available for sale:
	State, county, and municipal securities	$	34,802	$	—	$	34,802			$	—
	Mortgage-backed securities		96,267		—		96,267				—
	Corporate securities		9,976		—		9,976				—
			141,045				141,045
	Nonrecurring Basis:
	Assets
	Collateral Dependent Impaired loans:
	Commercial Real Estate	$	10,702	$	—	$	—			$	10,702
	Single-family Residential		360		—		—				360
	Other real estate owned		7,404		—		—				7,404
			18,466								18,466
	For Level 3 assets and liabilities measured at fair value on a recurring or non-recurring basis as of June 30, 2014, the significant unobservable inputs used in the fair value measurements were as follows (dollars in thousands):
		Fair Value at		Valuation		Unobservable
	(Dollars in thousands)	30-Jun-14		Technique		Inputs		Range
	Collateral Dependent Impaired Loans:
	Commercial Real Estate	$	10,293		Appraised Value	Negative adjustment for selling costs and changes in market conditions since appraisal			5% - 20%
	Single-family Residential	$	773		Appraised Value	Negative adjustment for selling costs and changes in market conditions since appraisal			5% - 20%
	Construction & Development	$	220		Appraised Value	Negative adjustment for selling costs and changes in market conditions since appraisal			5% - 20%
	OREO	$	6,808		Appraised Value	Negative adjustment for selling costs and changes in market conditions since appraisal			5% - 20%
	Following are disclosures of fair value information about financial instruments, whether or not recognized on the balance sheet, for which it is practicable to estimate that value. The assumptions used in the estimation of the fair values are based on estimates using discounted cash flows and other valuation techniques. The use of discounted cash flows can be significantly affected by the assumptions used, including the discount rate and estimates of future cash flows. The following disclosures should not be considered an estimate of the liquidation value of the Company, but rather a good-faith estimate of the increase or decrease in the value of financial instruments held by the Company since purchase, origination, or issuance.
	Cash, Due from Banks, Federal Funds Sold, Interest-Bearing Deposits with Banks and Certificates of Deposits—Fair value equals the carrying value of such assets due to their nature and is classified as Level 1.
Investment Securities—Fair value of investment securities is based on quoted market prices and is classified as Level 2.
Other Investments—The carrying amount of other investments approximates its fair value and is classified as Level 1.
Loans—The fair value of fixed rate loans is estimated by discounting the future cash flows using the current rates at which similar loans would be made to borrowers with similar credit ratings resulting in a Level 3 classification. For variable rate loans, the carrying amount is a reasonable estimate of fair value. The methods utilized to estimate the fair values of loans do not necessarily represent an exit price. The carrying amount of related accrued interest receivable, due to its short-term nature, approximates its fair value, is not significant and is not disclosed.
Cash Surrender Value of Life Insurance—Cash values of life insurance policies are carried at the value for which such policies may be redeemed for cash and are classified as Level 1.
Deposits—The fair value of demand deposits, savings accounts, and certain money market deposits is the amount payable on demand at the reporting date. The fair value of fixed rate certificates of deposit is estimated by discounting the future cash flows using the rates currently offered for deposits of similar remaining maturities and is classified as Level 2.
Fed Funds Purchased—Fair value equals the carrying value due to the nature of this liability and is classified as Level 1.
Advances from Federal Home Loan Bank—The fair values of advances from the Federal Home Loan Bank are estimated by discounting the future cash flows using the rates currently available to the Bank for debt with similar remaining maturities and terms and are classified as Level 2.
Commitments to Extend Credit and Commercial Letters of Credit—Because commitments to extend credit and commercial letters of credit are made using variable rates, or are recently executed, the contract value is a reasonable estimate of fair value.
Limitations—Fair value estimates are made at a specific point in time, based on relevant market information and information about the financial instrument. These estimates do not reflect any premium or discount that could result from offering for sale at one time the Company’s entire holdings of a particular financial instrument. Because no market exists for a significant portion of the Company’s financial instruments, fair value estimates are based on many judgments. These estimates are subjective in nature and involve uncertainties and matters of significant judgment and therefore cannot be determined with precision. Changes in assumptions could significantly affect the estimates. Fair value estimates are based on existing on and off-balance-sheet financial instruments without attempting to estimate the value of anticipated future business and the value of assets and liabilities that are not considered financial instruments; for example, premises and equipment. In addition, the tax ramifications related to the realization of the unrealized gains and losses can have a significant effect on fair value estimates and have not been considered in the estimates.
The following presents the carrying amount, fair value, and placement in the fair value hierarchy of the Company’s financial instruments as of June 30, 2014 (in thousands):
	30-Jun-14
	Carrying		Fair Value Measurements
	Amount		Total		Level 1				Level 2		Level 3
Financial assets:
Cash and due from banks	$	2,902	$	2,902	$	2,902			$	—	$	—
Interest-bearing deposits with banks		49,495		49,495		49,495				—		—
Certificates of deposit		350		350		350				—		—
Investment securities		136,076		136,077		—				136,077		—
Other investments		748		748		748				—		—
Loans—net		184,469		185,135		—				—		185,135
Cash surrender value of life insurance		10,135		10,135		10,135				—		—
Financial liabilities:
Deposits		353,524		354,310		214,841				139,469		—
Advances from Federal Home Loan Bank		264		264		—				264		—
	Notional		Estimated
	Amount		Fair Value
Off-balance-sheet financial instruments:
Commitments to extend credit	$	23,113		—
Commercial letters of credit	$	2,027		—
The carrying values and estimated fair values of the Company’s financial instruments at December 31, 2013 are as follows:
	31-Dec-13
	Carrying		Fair Value Measurements
	Amount		Total		Level 1				Level 2		Level 3
Financial assets:
Cash and due from banks	$	6,340	$	6,340	$	6,340			$	—	$	—
Interest-bearing deposits with banks		22,827		22,827		22,827				—		—
Certificates of deposit		350		350		350				—		—
Investment securities		141,285		141,285		—				141,285		—
Other investments		874		874		874				—		—
Loans—net		182,119		183,150		—				—		183,150
Cash surrender value of life insurance		9,948		9,948		9,948				—		—
Financial liabilities:
Deposits		336,962		337,768		195,884				141,884		—
Advances from Federal Home Loan Bank		273		273		—				273		—
	Notional		Estimated
	Amount		Fair Value
Off-balance-sheet financial instruments:
Commitments to extend credit	$	26,313		—
Commercial letters of credit	$	2,125		—

OTHER_REAL_ESTATE_OWNED

OTHER REAL ESTATE OWNED	6 Months Ended
	Jun. 30, 2014
Real Estate [Abstract]	'
OTHER REAL ESTATE OWNED	'
	5. OTHER REAL ESTATE OWNED
	Other real estate owned is reported at the lower of cost or fair value less estimated disposal costs, determined on the basis of current appraisals, comparable sales, and other estimates of value obtained principally from independent sources. Any excess of the loan balance at the time of foreclosure over the fair value of the real estate held as collateral is treated as a charge-off against the allowance for loan losses. Any subsequent declines in value are charged to earnings. Transactions in other real estate owned are summarized below (in thousands):
		June 30,			December 31,
		2014			2013
	Balance—beginning of period	$	7,404		$	8,195
	Additions		510			3,901
	Sales		(900	)		(4,076	)
	Write downs		(206	)		(616	)
	Balance—end of period	$	6,808		$	7,404

INTANGIBLE_ASSETS

INTANGIBLE ASSETS	6 Months Ended
	Jun. 30, 2014
Goodwill and Intangible Assets Disclosure [Abstract]	'
INTANGIBLE ASSETS	'
	6. INTANGIBLE ASSETS
	Finite lived intangible assets of the Company represent deposit assumption premiums recorded upon the purchase of certain assets and liabilities from other financial institutions. Deposit assumption premiums are amortized over seven years, the estimated average lives of the deposit bases acquired, using the straight-line method and are included within other assets on the Condensed Consolidated Balance Sheets.
	The Company applies a fair value-based impairment test to the carrying value of goodwill on an annual basis and on an interim basis if certain events or circumstances indicate that an impairment loss may have been incurred.
	The following table presents information about the Company’s intangible assets (in thousands):
		30-Jun-14				31-Dec-13
		Gross Carrying Amount		Accumulated Amortization		Gross Carrying Amount		Accumulated Amortization
	Unamortized intangible asset:
	Goodwill	$	362	$	—	$	362	$	—
	Amortized intangible assets:
	Core deposit intangibles	$	3,303	$	2,478	$	3,303	$	2,242
	The following table presents information about aggregate amortization expense (in thousands):
		Three months ended June 30,				Six months ended June 30,
		2014		2013		2014		2013
	Aggregate amortization expense of core deposit intangibles:	$	118	$	118	$	236	$	236
	Estimated aggregate amortization expense of core deposit intangibles for the years ending December 31:
	2014	$	472
	2015	$	472
	2016	$	118
	2017 and thereafter	$	—

NET_INCOME_PER_COMMON_AND_COMM

NET INCOME PER COMMON AND COMMON EQUIVALENT SHARE	6 Months Ended
	Jun. 30, 2014
Earnings Per Share [Abstract]	'
NET INCOME PER COMMON AND COMMON EQUIVALENT SHARE	'
	7. NET INCOME PER COMMON AND COMMON EQUIVALENT SHARE
	Basic and diluted net income per share available to common and potential common stockholders has been calculated based on the weighted average number of shares outstanding. The following schedule reconciles the numerator and denominator of the basic and diluted net income per share available to common and potential common stockholders for the three and six months ended June 30, 2014 and 2013 (in thousands, except per share data):
		Net Income		Shares		Per Share
		(Numerator)		(Denominator)		Amount
	Three Months ended June 30, 2014
	Basic earnings per share available to common stockholders	$	414		2,161	$	0.19
	Nonvested restricted stock grant		—		29		—
	Effect of dilutive securities: options to purchase common shares		—		—		—
	Diluted earnings per share	$	414		2,190	$	0.19
	Three Months ended June 30, 2013
	Basic earnings per share available to common stockholders	$	212		2,153	$	0.1
	Nonvested restricted stock grant		—		17		—
	Effect of dilutive securities: options to purchase common shares		—		—		—
	Diluted earnings per share	$	212		2,170	$	0.1
	Six Months ended June 30, 2014
	Basic earnings per share available to common stockholders	$	771		2,161	$	0.36
	Nonvested restricted stock grant		—		29		(0.01	)
	Effect of dilutive securities: options to purchase common shares		—		—		—
	Diluted earnings per share	$	771		2,190	$	0.35
	Six Months ended June 30, 2013
	Basic earnings per share available to common stockholders	$	425		2,149	$	0.2
	Nonvested restricted stock grant		—		17		—
	Effect of dilutive securities: options to purchase common shares		—		—		—
	Diluted earnings per share	$	425		2,166	$	0.2

SUBSEQUENT_EVENTS

SUBSEQUENT EVENTS	6 Months Ended
	Jun. 30, 2014
Subsequent Events [Abstract]	'
SUBSEQUENT EVENTS	'
	8. SUBSEQUENT EVENTS
	The Company evaluated subsequent events through the date its financial statements were issued.

RECLASSIFICATIONS

RECLASSIFICATIONS	6 Months Ended
	Jun. 30, 2014
Accounting Changes and Error Corrections [Abstract]	'
RECLASSIFICATIONS	'
	9. RECLASSIFICATIONS
	Certain amounts in the 2013 consolidated financial statements were reclassified to conform to the 2014 presentation. These reclassifications had no effect on shareholders’ equity or the results of operations as previously presented.

SUMMARY_OF_SIGNIFICANT_ACCOUNT1

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies)	6 Months Ended
	Jun. 30, 2014
Organization, Consolidation and Presentation of Financial Statements [Abstract]	'
Basis of Presentation	'
	Basis of Presentation
	Citizens Bancshares Corporation (the “Company”) is a holding company that provides a full range of commercial and personal banking services to individual and corporate customers in metropolitan Atlanta and Columbus, Georgia, and in Birmingham and Eutaw, Alabama, through its wholly owned subsidiary, Citizens Trust Bank (the “Bank”). The Bank operates under a state charter and serves its customers through seven full-service financial centers in metropolitan Atlanta, Georgia, one full-service financial center in Columbus, Georgia, one full-service financial center in Birmingham, Alabama, and one full-service financial center in Eutaw, Alabama.
	The accompanying unaudited consolidated financial statements have been prepared pursuant to the rules and regulations for reporting on Form 10-Q. Accordingly, certain disclosures required by generally accepted accounting principles are not included herein. These interim statements should be read in conjunction with the financial statements and notes thereto included in the Company’s latest Annual Report on Form 10-K filed with the Securities and Exchange Commission for the year ended December 31, 2013. The results of operations for the interim periods reported herein are not necessarily representative of the results expected for the full 2014 fiscal year.
	The consolidated financial statements of the Company for the three and six month periods ended June 30, 2014 are unaudited.  In the opinion of management, all adjustments necessary for a fair presentation of the financial position and results of operations and cash flows for the three and six month periods have been included.  All adjustments are of a normal recurring nature.  All significant intercompany accounts and transactions have been eliminated in consolidation.
Accounting Policies	'
	Accounting Policies
	The Company’s consolidated financial statements have been prepared in accordance with accounting principles generally accepted in the United States of America (“GAAP”), which often require the judgment of management in the selection and application of certain accounting principles and methods. Reference is made to the accounting policies of the Company described in the notes to the consolidated financial statements contained in the Company’s Annual Report on Form 10-K for the year ended December 31, 2013. The Company has followed those policies in preparing this report. Management believes that the quality and reasonableness of its most critical policies enable the fair presentation of its financial position and of its results of operations.
Troubled Asset Relief Program	'
	Troubled Asset Relief Program
	On August 13, 2010, as part of the U.S. Department of the Treasury (the “Treasury”) Troubled Asset Relief Program (“TARP”) Community Development Capital Initiative, the Company entered into a Letter Agreement, and an Exchange Agreement–Standard Terms (“Exchange Agreement”), with the Treasury, pursuant to which the Company agreed to exchange 7,462 shares of the Company’s Fixed Rate Cumulative Perpetual Preferred Stock, Series A (“Series A Preferred Shares”), issued on March 6, 2009, pursuant to the Company’s participation in the TARP Capital Purchase Program, for 7,462 shares of the Company’s Fixed Rate Cumulative Perpetual Preferred Stock, Series B (“Series B Preferred Shares”), both of which have a liquidation preference of $1,000 (the “Exchange Transaction”). No new monetary consideration was exchanged in connection with the Exchange Transaction. The Exchange Transaction closed on August 13, 2010 (the “Closing Date”).
	On September 17, 2010, the Company issued 4,379 shares of its Series C Preferred Shares to the Treasury as part of its TARP Community Development Capital Initiative for a total of 11,841 shares of Series B and C Preferred Shares issued to Treasury. The issuance of the Series B and Series C Preferred Shares was a private placement exempt from registration pursuant to Section 4(2) of the Securities Act of 1933, as amended.
	The Series B and Series C Preferred Shares qualify as Tier 1 capital and will pay cumulative dividends at a rate of 2% per annum for the first eight years after the Closing Date and 9% per annum thereafter. The Company may, subject to consultation with the Federal Reserve Bank of Atlanta, redeem the Series B and Series C Preferred Shares at any time for its aggregate liquidation amount plus any accrued and unpaid dividends.
Recently Issued Accounting Standards	'
	Recently Issued Accounting Standards
	In January 2014, the FASB amended Receivables topic of the Accounting Standards Codification. The amendments are intended to resolve diversity in practice with respect to when a creditor should reclassify a collateralized consumer mortgage loan to other real estate owned (OREO). In addition, the amendments require a creditor reclassify a collateralized consumer mortgage loan to OREO upon obtaining legal title to the real estate collateral, or the borrower voluntarily conveying all interest in the real estate property to the lender to satisfy the loan through a deed in lieu of foreclosure or similar legal agreement. The amendments will be effective for the Company for annual periods, and interim periods within those annual periods beginning after December 15, 2014, with early implementation of the guidance permitted. In implementing this guidance, assets that are reclassified from real estate to loans are measured at the carrying value of the real estate at the date of adoption. Assets reclassified from loans to real estate are measured at the lower of the net amount of the loan receivable or the fair value of the real estate less costs to sell at the date of adoption. The Company will apply the amendment prospectively. The Company does not expect these amendments to have a material effect on its financial statements.
	In May 2014, the FASB issued guidance to change the recognition of revenue from contracts with customers. The core principle of the new guidance is that an entity should recognize revenue to reflect the transfer of goods and services to customers in an amount equal to the consideration the entity receives or expects to receive. The guidance will be effective for the Company for reporting periods beginning after December 15, 2016. The Company will apply the guidance using a full retrospective approach. The Company does not expect these amendments to have a material effect on its financial statements.
	Other accounting standards that have been issued or proposed by the FASB or other standards-setting bodies are not expected to have a material impact on the Company’s financial position, results of operations or cash flows.

INVESTMENTS_Tables

INVESTMENTS (Tables)	6 Months Ended
	Jun. 30, 2014
Investments, Debt and Equity Securities [Abstract]	'
Schedule of investment securities available for sale	'
	Investment securities available for sale are summarized as follows (in thousands):
	At June 30, 2014		Amortized Cost				Gross Unrealized Gains				Gross Unrealized Losses				Fair Value
	State, county, and municipal securities		$	31,766			$	1,631			$	—			$	33,397
	Mortgage-backed securities			93,433				562				1,565				92,430
	Corporate securities			9,837				178				6				10,009
	Totals		$	135,036			$	2,371			$	1,571			$	135,836
	At December 31, 2013		Amortized Cost				Gross Unrealized Gains				Gross Unrealized Losses				Fair Value
	State, county, and municipal securities		$	33,735			$	1,097			$	30			$	34,802
	Mortgage-backed securities			99,143				347				3,223				96,267
	Corporate securities			9,806				180				10				9,976
	Totals		$	142,684			$	1,624			$	3,263			$	141,045
Schedule of investment securities held to maturity	'
	Investment securities held to maturity are summarized as follows (in thousands):
	At June 30, 2014		Amortized Cost				Gross Unrealized Gains				Gross Unrealized Losses				Fair Value
	State, county, and municipal securities		$	240			$	1			$	—			$	241
	At December 31, 2013		Amortized Cost				Gross Unrealized Gains				Gross Unrealized Losses				Fair Value
	State, county, and municipal securities		$	240			$	—			$	—			$	240
Schedule of amortized costs and fair values of investment securities, by contractual maturity	'
	The amortized costs and fair values of investment securities at June 30, 2014, by contractual maturity, are shown below. Expected maturities may differ from contractual maturities because issuers may have the right to call or prepay obligations with and without call or prepayment penalties (in thousands).
			Available for Sale								Held to Maturity
			Amortized				Fair				Amortized				Fair
			Cost				Value				Cost				Value
	Due in one year or less		$	—			$	—			$	—			$	—
	Due after one year through five years			13,312				13,643				240				241
	Due after five years through ten years			31,832				33,219				—				—
	Due after ten years			89,892				88,974				—				—
			$	135,036			$	135,836			$	240			$	241
Schedule of investments' gross unrealized losses and fair value, aggregated by investment category and length of time that the individual securities have been in a continuous unrealzied loss position	'
	At June 30, 2014
	Securities Available for Sale
					Securities in a loss position  for								Securities in a loss position  for
					less than twelve months								twelve months or more								Total
									Unrealized								Unrealized								Unrealized
					Fair value				losses				Fair value				losses				Fair value				losses
		Mortgage-backed securities			$	9,997			$	(155	)		$	48,373			$	(1,410	)		$	58,370			$	(1,565	)
		Corporate				1,994				(6	)			—				—				1,994				(6	)
		Total			$	11,991			$	(161	)		$	48,373			$	(1,410	)		$	60,364			$	(1,571	)
	Securities Held to Maturity
	There were no securities classified as held to maturity in an unrealized loss position at June 30, 2014.
	At December 31, 2013
	Securities Available for Sale
			Securities in a loss position  for								Securities in a loss position  for
			less than twelve months								twelve months or more								Total
							Unrealized								Unrealized								Unrealized
			Fair value				losses				Fair value				losses				Fair value				losses
	Municipal securities		$	2,775			$	(30	)		$	—			$	—			$	2,775			$	(30	)
	Mortgage-backed securities			68,420				(2,907	)			5,136				(316	)			73,556				(3,223	)
	Corporate			1,990				(10	)			—				—				1,990				(10	)
	Total		$	73,185			$	(2,947	)		$	5,136			$	(316	)		$	78,321			$	(3,263	)
	Securities Held to Maturity
	There were no securities classified as held to maturity in an unrealized loss position at December 31, 2013.

LOANS_RECEIVABLE_AND_ALLOWANCE1

LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES (Tables)	6 Months Ended
	Jun. 30, 2014
Loans and Leases Receivable Disclosure [Abstract]	'
Summary of loans outstanding, by classification	'
	Loans outstanding, by classification, are summarized as follows (in thousands):
		June 30,			December 31,
		2014			2013
	Commercial, financial, and agricultural	$	23,854		$	20,292
	Commercial Real Estate		118,280			120,180
	Single-Family Residential		33,739			34,864
	Construction and Development		5,078			3,626
	Consumer		6,476			6,314
			187,427			185,276
	Allowance for loan losses		2,958			3,157
		$	184,469		$	182,119
Summary of activity in allowance for loan losses	'
	Activity in the allowance for loan losses for the six months ended June 30, 2014 and 2013 and the year ended December 31, 2013 is summarized as follows (in thousands):
		June 30,			December 31,			June 30,
		2014			2013			2013
	Balance at beginning of period	$	3,157		$	3,509		$	3,509
	Provision for loan losses		—			425			275
	Loans charged-off		(358	)		(1,485	)		(808	)
	Recoveries on loans previously charged-off		159			708			438
	Balance at end of period	$	2,958		$	3,157		$	3,414
Summary of activity in the allowance for loan losses by portfolio segment	'
	Activity in the allowance for loan losses by portfolio segment is summarized as follows (in thousands):
		For the Three Month Period Ended June 30, 2014
		Commercial			Commercial Real Estate			Single-family Residential			Construction & Development			Consumer			Total
	Beginning balance	$	394		$	1,619		$	765		$	126		$	165		$	3,069
	Provision for loan losses		(157	)		307			(190	)		13			27			—
	Loans charged-off		—			(31	)		(72	)		—			(55	)		(158	)
	Recoveries on loans charged-off		14			18			5			—			10			47
	Ending Balance	$	251		$	1,913		$	508		$	139		$	147		$	2,958
		For the Six Month Period Ended June 30, 2014
		Commercial			Commercial Real Estate			Single-family Residential			Construction & Development			Consumer			Total
	Beginning balance	$	384		$	1,721		$	731		$	126		$	195		$	3,157
	Provision for loan losses		(157	)		307			(190	)		13			27			—
	Loans charged-off		—			(136	)		(124	)		—			(98	)		(358	)
	Recoveries on loans charged-off		24			21			91			—			23			159
	Ending Balance	$	251		$	1,913		$	508		$	139		$	147		$	2,958
		For the Three Month Period Ended June 30, 2013
		Commercial			Commercial Real Estate			Single-family Residential			Construction & Development			Consumer			Total
	Beginning balance	$	408		$	1,828		$	734		$	186		$	259		$	3,415
	Provision for loan losses		(246	)		332			(77	)		(30	)		71			50
	Loans charged-off		(1	)		(307	)		(68	)		—			(44	)		(420	)
	Recoveries on loans charged-off		7			327			17			—			18			369
	Ending Balance	$	168		$	2,180		$	606		$	156		$	304		$	3,414
		For the Six Month Period Ended June 30, 2013
		Commercial			Commercial Real Estate			Single-family Residential			Construction & Development			Consumer			Total
	Beginning balance	$	433		$	1,853		$	803		$	177		$	243		$	3,509
	Provision for loan losses		(277	)		346			59			9			138			275
	Loans charged-off		(6	)		(373	)		(284	)		(30	)		(115	)		(808	)
	Recoveries on loans charged-off		18			354			28			—			38			438
	Ending Balance	$	168		$	2,180		$	606		$	156		$	304		$	3,414
		For the Year Ended December 31, 2013
		Commercial			Commercial Real Estate			Single-family Residential			Construction & Development			Consumer			Total
	Beginning balance	$	433		$	1,853		$	803		$	177		$	243		$	3,509
	Provision for loan losses		(68	)		127			361			(56	)		61			425
	Loans charged-off		(22	)		(710	)		(554	)		(30	)		(169	)		(1,485	)
	Recoveries on loans charged-off		41			451			121			35			60			708
	Ending Balance	$	384		$	1,721		$	731		$	126		$	195		$	3,157
Schedule of allocation of allowance for loan losses by portfolio segment	'
	The allocation of the allowance for loan losses by portfolio segment was as follows (in thousands):
		At June 30, 2014
		Commercial			Commercial Real Estate			Single-family Residential			Construction & Development			Consumer			Total
	Specific Reserves:
	Impaired loans	$	—		$	237		$	9		$	139		$	—		$	385
	Total specific reserves		—			237			9			139			—			385
	General reserves		251			1,676			499			—			147			2,573
	Total	$	251		$	1,913		$	508		$	139		$	147		$	2,958
	Loans individually evaluated for impairment	$	—		$	10,530		$	782		$	359		$	—		$	11,671
	Loans collectively evaluated for impairment		23,854			107,750			32,957			4,719			6,476			175,756
	Total	$	23,854		$	118,280		$	33,739		$	5,078		$	6,476		$	187,427
		At December 31, 2013
		Commercial			Commercial Real Estate			Single-family Residential			Construction & Development			Consumer			Total
	Specific Reserves:
	Impaired loans	$	—		$	3		$	—		$	—		$	—		$	3
	Total specific reserves		—			3			—			—			—			3
	General reserves		384			1,718			731			126			195			3,154
	Total	$	384		$	1,721		$	731		$	126		$	195		$	3,157
	Loans individually evaluated for impairment	$	—		$	10,705		$	360		$	—		$	—		$	11,065
	Loans collectively evaluated for impairment		20,292			109,475			34,504			3,626			6,314			174,211
	Total	$	20,292		$	120,180		$	34,864		$	3,626		$	6,314		$	185,276
Schedule of impaired loans by class of loan	'
	The following table presents impaired loans by class of loan (in thousands):
		At June 30, 2014
											Impaired Loans - With
		Impaired Loans - With Allowance									no Allowance
		Unpaid Principal			Recorded Investment			Allowance for Loan Losses Allocated			Unpaid Principal			Recorded Investment
	Residential:
	First mortgages	$	—		$	—		$	—		$	231		$	231
	HELOC’s and equity		86			70			9			493			481
	Commercial
	Secured		—			—			—			—			—
	Unsecured		—			—			—			—			—
	Commercial Real Estate:
	Owner occupied		—			—			—			10,417			8,131
	Non-owner occupied		1,906			1,606			227			822			696
	Multi-family		97			97			10			—			—
	Construction and Development:
	Construction		359			359			139			—			—
	Improved Land		—			—			—			—			—
	Unimproved Land		—			—			—			—			—
	Consumer and Other		—			—			—			—			—
	Total	$	2,448		$	2,132		$	385		$	11,963		$	9,539
	The following table presents the average recorded investment and interest income recognized on impaired loans by class of loan (in thousands):
		30-Jun-14						30-Jun-13
		Average Recorded Investment			Interest Income Recognized			Average Recorded Investment			Interest Income Recognized
	Residential:
	First mortgages	$	231		$	—		$	231		$	—
	HELOC’s and equity		581			13			128			17
	Commercial
	Secured		—			—			—			—
	Unsecured		—			—			—			—
	Commercial Real Estate:
	Owner occupied		8,247			443			8,031			394
	Non-owner occupied		2,347			43			5,282			171
	Multi-family		98			27			364			46
	Construction and Development:					.						.
	Construction		362			19			—			—
	Improved Land		—			—			—			—
	Unimproved Land		—			—			—			—
	Consumer and Other		—			—			—			—
	Total	$	11,866		$	545		$	14,036		$	628
		At December 31, 2013
											Impaired Loans - With
		Impaired Loans - With Allowance									no Allowance
		Unpaid Principal			Recorded Investment			Allowance for Loan Losses Allocated			Unpaid Principal			Recorded Investment			Average Recorded Investment			Interest Income Recognized
	Residential:
	First mortgages	$	—		$	—		$	—		$	231		$	231		$	231		$	—
	HELOC’s and equity		—			—			—			129			129			128			2
	Commercial
	Secured		—			—			—			—			—			—			—
	Unsecured		—			—			—			—			—			—			—
	Commercial Real Estate:
	Owner occupied		—			—			—			10,300			7,968			8,049			534
	Non-owner occupied		—			—			—			2,924			2,407			2,516			108
	Multi-family		386			330			3			—			—			359			28
	Construction and Development:
	Construction		—			—			—			—			—			—			—
	Improved Land		—			—			—			—			—			—			—
	Unimproved Land		—			—			—			—			—			—			—
	Consumer and Other		—			—						—			—			—			—
	Total	$	386		$	330		$	3		$	13,584		$	10,735		$	11,283		$	672
Schedule of aging analysis of loan portfolio	'
	The following table is an aging analysis of our loan portfolio (in thousands):
		At June 30, 2014
		30- 59 Days Past Due			60- 89 Days Past Due			Over 90 Days Past Due			Total Past Due			Current			Total Loans Receivable			Recorded		Nonaccrual
																				Investment
																				> 90 Days and
																				Accruing
	Residential:
	First mortgages	$	40		$	98		$	1,707		$	1,845		$	23,710		$	25,555		$	35	$	2,473
	HELOC’s and equity		586			85			729			1,400			6,784			8,184			—		831
	Commercial:
	Secured		—			—			2			2			18,903			18,905			—		2
	Unsecured		—			—			—			—			4,949			4,949			—		—
	Commercial Real Estate:
	Owner occupied		137			248			339			724			61,357			62,081			—		1,372
	Non-owner occupied		4,468			326			81			4,875			37,096			41,971			—		1,034
	Multi-family		430			399			—			829			13,399			14,228			—		—
	Construction and  Development:
	Construction		566			—			—			566			4,311			4,877			—		—
	Improved Land		156			—			—			156			45			201			—		—
	Unimproved Land		—			—			—			—			—			—			—		—
	Consumer and Other		4			27			30			61			6,415			6,476			—		30
	Total	$	6,387		$	1,183		$	2,888		$	10,458		$	176,969		$	187,427		$	35	$	5,742
		At December 31, 2013
		30- 59 Days Past Due			60- 89 Days Past Due			Over 90 Days Past Due			Total Past Due			Current			Total Loans Receivable			Recorded Investment > 90 Days and  Accruing		Nonaccrual
	Residential:
	First mortgages	$	1,778		$	360		$	1,840		$	3,978		$	22,348		$	26,326		$	—	$	3,334
	HELOC’s and equity		444			19			466			929			7,609			8,538			—		821
	Commercial:
	Secured		125			—			2			127			14,906			15,033			—		2
	Unsecured		—			—			—			—			5,259			5,259			—		—
	Commercial Real Estate:
	Owner occupied		715			753			81			1,549			60,090			61,639			—		1,038
	Non-owner occupied		38			199			286			523			43,287			43,810			—		1,550
	Multi-family		747			—			—			747			13,984			14,731			—		330
	Construction and  Development:
	Construction		477			—			—			477			2,542			3,019			—		—
	Improved Land		—			—			—			—			242			242			—		—
	Unimproved Land		—			—			—			—			365			365			—		—
	Consumer and Other		6			30			45			81			6,233			6,314			—		45
	Total	$	4,330		$	1,361		$	2,720		$	8,411		$	176,865		$	185,276		$	—	$	7,120
Schedule of loan portfolio by risk rating	'
	The following table presents our loan portfolio by risk rating (in thousands):
		At June 30, 2014
		Total			Pass Credits			Special Mention			Substandard			Doubtful
	Residential:
	First mortgages	$	25,555		$	23,709		$	40		$	1,739		$	67
	HELOC’s and equity		8,184			7,030			19			994			141
	Commercial:
	Secured		18,905			18,885			—			20			—
	Unsecured		4,949			4,949			—			—			—
	Commercial Real Estate:
	Owner occupied		62,081			49,065			8,303			4,713			—
	Non-owner occupied		41,971			39,701			—			2,180			90
	Multi-family		14,228			13,443			646			139			—
	Construction and Development:
	Construction		4,877			4,518			—			359			—
	Improved Land		201			159			—			42			—
	Unimproved Land		—			—			—			—			—
	Consumer and Other		6,476			6,396			—			69			11
	Total	$	187,427		$	167,855		$	9,008		$	10,255		$	309
		At December 31, 2013
		Total			Pass Credits			Special Mention			Substandard			Doubtful
	Residential:
	First mortgages	$	26,326		$	24,126		$	—		$	2,200		$	—
	HELOC’s and equity		8,538			7,686			22			728			102
	Commercial:
	Secured		15,033			15,009			—			24			—
	Unsecured		5,259			5,259			—			—			—
	Commercial Real Estate:
	Owner occupied		61,639			50,921			5,929			4,789			—
	Non-owner occupied		43,810			40,482			819			2,509			—
	Multi-family		14,731			13,704			647			380			—
	Construction and Development:
	Construction		3,019			3,019			—			—			—
	Improved Land		242			197			—			45			—
	Unimproved Land		365			—			—			365			—
	Consumer and Other		6,314			6,224			—			90			—
	Total	$	185,276		$	166,627		$	7,417		$	11,130		$	102
Schedule of troubled debt restructurings	'
	Extended Terms and Decreased Interest Rate
		Three months ended June 30, 2013
		Number of Loans			Pre-Modification Recorded Investment			Post-Modification Recorded Investment
	Troubled Debt Restructurings
	Residential mortgages		2		$	335		$	346
	Commercial Real Estate:
	Non-owner occupied		1			190			196
	Total		3		$	525		$	542
		Six months ended June 30, 2013
		Number of Loans			Pre-Modification Recorded Investment			Post-Modification Recorded Investment
	Troubled Debt Restructurings
	Residential mortgages		2		$	335		$	346
	Commercial Real Estate:
	Owner occupied		2			252			258
	Non-owner occupied		2			1,196			1,197
	Total		6		$	1,783		$	1,801
	Decreased Interest Rate Only
		Three months ended June 30, 2013
		Number of Loans			Pre-Modification Recorded Investment			Post-Modification Recorded Investment
	Troubled Debt Restructurings
	Residential mortgages		2		$	140		$	140
	Total		2		$	140		$	140
		Six months ended June 30, 2013
		Number of Loans			Pre-Modification Recorded Investment			Post-Modification Recorded Investment
	Troubled Debt Restructurings
	Residential mortgages		2		$	140		$	140
	Total		2		$	140		$	140

FAIR_VALUE_OF_FINANCIAL_INSTRU1

FAIR VALUE OF FINANCIAL INSTRUMENTS (Tables)	6 Months Ended
	Jun. 30, 2014
Fair Value Disclosures [Abstract]	'
Schedule of financial assets measured at fair value on a recurring and nonrecurring basis and the change in fair value for those specific financial instruments in which fair value has been elected	'
	The following tables present financial assets measured at fair value on a recurring and nonrecurring basis and the change in fair value for those specific financial instruments in which fair value has been elected. (there were no financial liabilities measured at fair value for the periods being reported) (in thousands):
		Fair Value Measurements at June 30, 2014
				Quoted Prices
				In Active		Significant
				Markets for		Other				Significant
		Assets		Identical		Observable				Unobservable
		Measured at		Assets		Inputs				Inputs
		Fair Value		(Level 1)		(Level 2)				(Level 3)
	Recurring Basis:
	Assets
	Securities available for sale:
	State, county, and municipal securities	$	33,397	$	—	$	33,397			$	—
	Mortgage-backed securities		92,430		—		92,430				—
	Corporate securities		10,009		—		10,009				—
			135,836				135,836
	Nonrecurring Basis:
	Assets
	Collateral Dependent Impaired loans:
	Commercial Real Estate	$	10,293	$	—	$	—			$	10,293
	Single-family Residential		773		—		—				773
	Construction and Development		220		—		—				220
	Other real estate owned		6,808		—		—				6,808
			18,094								18,094
		Fair Value Measurements at December 31, 2013
				Quoted Prices
				In Active		Significant
				Markets for		Other				Significant
		Assets		Identical		Observable				Unobservable
		Measured at		Assets		Inputs				Inputs
		Fair Value		(Level 1)		(Level 2)				(Level 3)
	Recurring Basis:
	Assets
	Securities available for sale:
	State, county, and municipal securities	$	34,802	$	—	$	34,802			$	—
	Mortgage-backed securities		96,267		—		96,267				—
	Corporate securities		9,976		—		9,976				—
			141,045				141,045
	Nonrecurring Basis:
	Assets
	Collateral Dependent Impaired loans:
	Commercial Real Estate	$	10,702	$	—	$	—			$	10,702
	Single-family Residential		360		—		—				360
	Other real estate owned		7,404		—		—				7,404
			18,466								18,466
Significant unobservable inputs used for assets and liabilities measured at fair value on a recurring or non-recurring basis	'
	For Level 3 assets and liabilities measured at fair value on a recurring or non-recurring basis as of June 30, 2014, the significant unobservable inputs used in the fair value measurements were as follows (dollars in thousands):
		Fair Value at		Valuation		Unobservable
	(Dollars in thousands)	30-Jun-14		Technique		Inputs		Range
	Collateral Dependent Impaired Loans:
	Commercial Real Estate	$	10,293		Appraised Value	Negative adjustment for selling costs and changes in market conditions since appraisal			5% - 20%
	Single-family Residential	$	773		Appraised Value	Negative adjustment for selling costs and changes in market conditions since appraisal			5% - 20%
	Construction & Development	$	220		Appraised Value	Negative adjustment for selling costs and changes in market conditions since appraisal			5% - 20%
	OREO	$	6,808		Appraised Value	Negative adjustment for selling costs and changes in market conditions since appraisal			5% - 20%
Schedule of carrying values and estimated fair values of the Company's financial instruments	'
	The following presents the carrying amount, fair value, and placement in the fair value hierarchy of the Company’s financial instruments as of June 30, 2014 (in thousands):
		30-Jun-14
		Carrying		Fair Value Measurements
		Amount		Total		Level 1				Level 2		Level 3
	Financial assets:
	Cash and due from banks	$	2,902	$	2,902	$	2,902			$	—	$	—
	Interest-bearing deposits with banks		49,495		49,495		49,495				—		—
	Certificates of deposit		350		350		350				—		—
	Investment securities		136,076		136,077		—				136,077		—
	Other investments		748		748		748				—		—
	Loans—net		184,469		185,135		—				—		185,135
	Cash surrender value of life insurance		10,135		10,135		10,135				—		—
	Financial liabilities:
	Deposits		353,524		354,310		214,841				139,469		—
	Advances from Federal Home Loan Bank		264		264		—				264		—
		Notional		Estimated
		Amount		Fair Value
	Off-balance-sheet financial instruments:
	Commitments to extend credit	$	23,113		—
	Commercial letters of credit	$	2,027		—
	The carrying values and estimated fair values of the Company’s financial instruments at December 31, 2013 are as follows:
		31-Dec-13
		Carrying		Fair Value Measurements
		Amount		Total		Level 1				Level 2		Level 3
	Financial assets:
	Cash and due from banks	$	6,340	$	6,340	$	6,340			$	—	$	—
	Interest-bearing deposits with banks		22,827		22,827		22,827				—		—
	Certificates of deposit		350		350		350				—		—
	Investment securities		141,285		141,285		—				141,285		—
	Other investments		874		874		874				—		—
	Loans—net		182,119		183,150		—				—		183,150
	Cash surrender value of life insurance		9,948		9,948		9,948				—		—
	Financial liabilities:
	Deposits		336,962		337,768		195,884				141,884		—
	Advances from Federal Home Loan Bank		273		273		—				273		—
		Notional		Estimated
		Amount		Fair Value
	Off-balance-sheet financial instruments:
	Commitments to extend credit	$	26,313		—
	Commercial letters of credit	$	2,125		—

OTHER_REAL_ESTATE_OWNED_Tables

OTHER REAL ESTATE OWNED (Tables)	6 Months Ended
	Jun. 30, 2014
Real Estate [Abstract]	'
Summary of transactions in other real estate owned	'
	Transactions in other real estate owned are summarized below (in thousands):
		June 30,			December 31,
		2014			2013
	Balance—beginning of period	$	7,404		$	8,195
	Additions		510			3,901
	Sales		(900	)		(4,076	)
	Write downs		(206	)		(616	)
	Balance—end of period	$	6,808		$	7,404

INTANGIBLE_ASSETS_Tables

INTANGIBLE ASSETS (Tables)	6 Months Ended
	Jun. 30, 2014
Goodwill and Intangible Assets Disclosure [Abstract]	'
Schedule of intangible assets	'
	The following table presents information about the Company’s intangible assets (in thousands):
		30-Jun-14				31-Dec-13
		Gross Carrying Amount		Accumulated Amortization		Gross Carrying Amount		Accumulated Amortization
	Unamortized intangible asset:
	Goodwill	$	362	$	—	$	362	$	—
	Amortized intangible assets:
	Core deposit intangibles	$	3,303	$	2,478	$	3,303	$	2,242
Schedule of aggregate amortization expense	'
	The following table presents information about aggregate amortization expense (in thousands):
		Three months ended June 30,				Six months ended June 30,
		2014		2013		2014		2013
	Aggregate amortization expense of core deposit intangibles:	$	118	$	118	$	236	$	236
	Estimated aggregate amortization expense of core deposit intangibles for the years ending December 31:
	2014	$	472
	2015	$	472
	2016	$	118
	2017 and thereafter	$	—

NET_INCOME_PER_COMMON_AND_COMM1

NET INCOME PER COMMON AND COMMON EQUIVALENT SHARE (Tables)	6 Months Ended
	Jun. 30, 2014
Earnings Per Share [Abstract]	'
Schedule of reconciliation of the numerators and denominator of the basic and diluted net income per common and potential common share	'
	Basic and diluted net income per share available to common and potential common stockholders has been calculated based on the weighted average number of shares outstanding. The following schedule reconciles the numerator and denominator of the basic and diluted net income per share available to common and potential common stockholders for the three and six months ended June 30, 2014 and 2013 (in thousands, except per share data):
		Net Income		Shares		Per Share
		(Numerator)		(Denominator)		Amount
	Three Months ended June 30, 2014
	Basic earnings per share available to common stockholders	$	414		2,161	$	0.19
	Nonvested restricted stock grant		—		29		—
	Effect of dilutive securities: options to purchase common shares		—		—		—
	Diluted earnings per share	$	414		2,190	$	0.19
	Three Months ended June 30, 2013
	Basic earnings per share available to common stockholders	$	212		2,153	$	0.1
	Nonvested restricted stock grant		—		17		—
	Effect of dilutive securities: options to purchase common shares		—		—		—
	Diluted earnings per share	$	212		2,170	$	0.1
	Six Months ended June 30, 2014
	Basic earnings per share available to common stockholders	$	771		2,161	$	0.36
	Nonvested restricted stock grant		—		29		(0.01	)
	Effect of dilutive securities: options to purchase common shares		—		—		—
	Diluted earnings per share	$	771		2,190	$	0.35
	Six Months ended June 30, 2013
	Basic earnings per share available to common stockholders	$	425		2,149	$	0.2
	Nonvested restricted stock grant		—		17		—
	Effect of dilutive securities: options to purchase common shares		—		—		—
	Diluted earnings per share	$	425		2,166	$	0.2

SUMMARY_OF_SIGNIFICANT_ACCOUNT2

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Details Narrative) (USD $)	0 Months Ended					6 Months Ended
In Thousands, except Share data, unless otherwise specified	Aug. 13, 2010	Aug. 13, 2010	Jun. 30, 2014	Dec. 31, 2013	Dec. 31, 2012	Jun. 30, 2014	Sep. 17, 2010	Jun. 30, 2014	Dec. 31, 2013	Dec. 31, 2012
	Series A Preferred Stock [Member]	Series B Preferred Stock [Member]	Series B Preferred Stock [Member]	Series B Preferred Stock [Member]	Series B Preferred Stock [Member]	Series B and Series C Preferred Stock [Member]	Series B and Series C Preferred Stock [Member]	Series C Preferred Stock [Member]	Series C Preferred Stock [Member]	Series C Preferred Stock [Member]
Class of Stock [Line Items]	'	'	'	'	'	'	'	'	'	'
Number of preferred shares exchanged	7,462	'	'	'	'	'	'	'	'	'
Number of preferred shares issued	'	'	7,462	7,462	7,462	'	11,841	4,379	4,379	4,379
Monetary consideration exchanged in connection with the Exchange Transaction	$1	$1	'	'	'	'	'	'	'	'
Cumulative dividend payment for first eight years after closing date (as a percent)	'	'	'	'	'	2.00%	'	'	'	'
Period for which preferred stock dividend rate is 2%	'	'	'	'	'	'8 years	'	'	'	'
Cumulative dividend payment after the first eight years of closing date (as a percent)	'	'	'	'	'	9.00%	'	'	'	'

INVESTMENTS_Details

INVESTMENTS (Details) (USD $)	Jun. 30, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Amortized Cost	$135,036	$142,684
Gross Unrealized Gains	2,371	1,624
Gross Unrealized Losses	1,571	3,263
Fair Value	135,836	141,045
State, county and municipal securities [Member]	'	'
Amortized Cost	31,766	33,735
Gross Unrealized Gains	1,631	1,097
Gross Unrealized Losses	'	30
Fair Value	33,397	34,802
Mortgage Backed Securities [Member]	'	'
Amortized Cost	93,433	99,143
Gross Unrealized Gains	562	347
Gross Unrealized Losses	1,565	3,223
Fair Value	92,430	96,267
Corporate Securities [Member]	'	'
Amortized Cost	9,837	9,806
Gross Unrealized Gains	178	180
Gross Unrealized Losses	6	10
Fair Value	$10,009	$9,976

INVESTMENTS_Details_2

INVESTMENTS (Details 2) (USD $)	Jun. 30, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Amortized Cost	$240	$240
Fair Value	241	'
State, county and municipal securities [Member]	'	'
Amortized Cost	240	240
Gross Unrealized Gains	1	'
Gross Unrealized Losses	'	'
Fair Value	$241	$240

INVESTMENTS_Details_3

INVESTMENTS (Details 3) (USD $)	Jun. 30, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Available for Sale, Amortized Cost	'	'
Due in one year or less	'	'
Due after one year through five years	13,312	'
Due after five years through ten years	31,832	'
Due after ten years	89,892	'
Amortized Cost	135,036	'
Available for Sale, Fair Value	'	'
Due in one year or less	'	'
Due after one year through five years	13,643	'
Due after five years through ten years	33,219	'
Due after ten years	88,974	'
Fair Value	135,836	141,045
Held to Maturity, Amortized Cost	'	'
Due in one year or less	'	'
Due after one year through five years	240	'
Due after five years through ten years	'	'
Due after ten years	'	'
Amortized Cost	240	240
Held to Maturity, Fair Value	'	'
Due in one year or less	'	'
Due after one year through five years	241	'
Due after five years through ten years	'	'
Due after ten years	'	'
Fair Value	$241	'

INVESTMENTS_Details_4

INVESTMENTS (Details 4) (USD $)	Jun. 30, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified	item
Securities Available for Sale, Fair value	'	'
Securities in a loss position for less than twelve months	$11,991	$73,185
Securities in a loss position for twelve months or more	48,373	5,136
Total	60,364	78,321
Securities Available for Sale, Unrealized losses	'	'
Securities in a loss position for less than twelve months	-161	-2,947
Securities in a loss position for twelve months or more	-1,410	-316
Total	-1,571	-3,263
Number of securities classified as held to maturity in an unrealized loss position	0	'
Available for sale securities portfolio disclosure	'	'
Number of investment securities in an unrealized loss position for more than 12 months	1	'
State, county and municipal securities [Member]	'	'
Securities Available for Sale, Fair value	'	'
Securities in a loss position for less than twelve months	'	2,775
Securities in a loss position for twelve months or more	'	'
Total	'	2,775
Securities Available for Sale, Unrealized losses	'	'
Securities in a loss position for less than twelve months	'	-30
Securities in a loss position for twelve months or more	'	'
Total	'	-30
Mortgage Backed Securities [Member]	'	'
Securities Available for Sale, Fair value	'	'
Securities in a loss position for less than twelve months	9,997	68,420
Securities in a loss position for twelve months or more	48,373	5,136
Total	58,370	73,556
Securities Available for Sale, Unrealized losses	'	'
Securities in a loss position for less than twelve months	-155	-2,907
Securities in a loss position for twelve months or more	-1,410	-316
Total	-1,565	-3,223
Corporate Securities [Member]	'	'
Securities Available for Sale, Fair value	'	'
Securities in a loss position for less than twelve months	1,994	1,990
Securities in a loss position for twelve months or more	'	'
Total	1,994	1,990
Securities Available for Sale, Unrealized losses	'	'
Securities in a loss position for less than twelve months	-6	-10
Securities in a loss position for twelve months or more	'	'
Total	($6)	($10)

INVESTMENTS_Details_Narrative

INVESTMENTS (Details Narrative) (USD $)	3 Months Ended		6 Months Ended
In Thousands, unless otherwise specified	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013	Dec. 31, 2013
Securities pledged as collateral	'	'	'	'	'
Securities pledged to secure public funds on deposit and for other purposes as required by law, FHLB advances	$93,945	'	$93,945	'	$102,728
Line of credit at Federal Reserve Bank discount window	21,000	'	21,000	'	'
Gross realized gains (losses) on securities	'	'	'	'	'
Proceeds from sale of securities	611	1,186	611	2,268	'
Gross realized gains on sale of securities	$6	$103	$6	$244	'

LOANS_RECEIVABLE_AND_ALLOWANCE2

LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES (Details) (USD $)	Jun. 30, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Loans, gross	$187,427	$185,276
Allowance for loan losses	2,958	3,157
Loans, net	184,469	182,119
Commercial Financial and Agricultural Portfolio Segment [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Loans, gross	23,854	20,292
Commercial Real Estate Portfolio Segment [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Loans, gross	118,280	120,180
Single Family Residential Mortgage [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Loans, gross	33,739	34,864
Construction and Development Portfolio Segment [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Loans, gross	5,078	3,626
Consumer Portfolio Segment [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Loans, gross	$6,476	$6,314

LOANS_RECEIVABLE_AND_ALLOWANCE3

LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES (Details 1) (USD $)	3 Months Ended		6 Months Ended		12 Months Ended
In Thousands, unless otherwise specified	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013	Dec. 31, 2013
Activity in allowance for loan losses	'	'	'	'	'
Beginning balance	$3,069	$3,415	$3,157	$3,509	$3,509
Provision for loan losses	'	50	'	275	425
Loans charged-off	-158	-420	-358	-808	-1,485
Recoveries on loans previously charged-off	47	369	159	438	708
Ending balance	$2,958	$3,414	$2,958	$3,414	$3,157

LOANS_RECEIVABLE_AND_ALLOWANCE4

LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES (Details 2) (USD $)	3 Months Ended		6 Months Ended		12 Months Ended
In Thousands, unless otherwise specified	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013	Dec. 31, 2013
Activity in allowance for loan losses by portfolio segment	'	'	'	'	'
Beginning balance	$3,069	$3,415	$3,157	$3,509	$3,509
Provision for loan losses	'	50	'	275	425
Loans charged-off	-158	-420	-358	-808	-1,485
Recoveries on loans charged-off	47	369	159	438	708
Ending balance	2,958	3,414	2,958	3,414	3,157
Commercial Financial and Agricultural Portfolio Segment [Member]	'	'	'	'	'
Activity in allowance for loan losses by portfolio segment	'	'	'	'	'
Beginning balance	394	408	384	433	433
Provision for loan losses	-157	-246	-157	-277	-68
Loans charged-off	'	-1	'	-6	-22
Recoveries on loans charged-off	14	7	24	18	41
Ending balance	251	168	251	168	384
Commercial Real Estate Portfolio Segment [Member]	'	'	'	'	'
Activity in allowance for loan losses by portfolio segment	'	'	'	'	'
Beginning balance	1,619	1,828	1,721	1,853	1,853
Provision for loan losses	307	332	307	346	127
Loans charged-off	-31	-307	-136	-373	-710
Recoveries on loans charged-off	18	327	21	354	451
Ending balance	1,913	2,180	1,913	2,180	1,721
Single Family Residential Mortgage [Member]	'	'	'	'	'
Activity in allowance for loan losses by portfolio segment	'	'	'	'	'
Beginning balance	765	734	731	803	803
Provision for loan losses	-190	-77	-190	59	361
Loans charged-off	-72	-68	-124	-284	-554
Recoveries on loans charged-off	5	17	91	28	121
Ending balance	508	606	508	606	731
Construction and Development Portfolio Segment [Member]	'	'	'	'	'
Activity in allowance for loan losses by portfolio segment	'	'	'	'	'
Beginning balance	126	186	126	177	177
Provision for loan losses	13	-30	13	9	-56
Loans charged-off	'	'	'	-30	-30
Recoveries on loans charged-off	'	'	'	'	35
Ending balance	139	156	139	156	126
Consumer Portfolio Segment [Member]	'	'	'	'	'
Activity in allowance for loan losses by portfolio segment	'	'	'	'	'
Beginning balance	165	259	195	243	243
Provision for loan losses	27	71	27	138	61
Loans charged-off	-55	-44	-98	-115	-169
Recoveries on loans charged-off	10	18	23	38	60
Ending balance	$147	$304	$147	$304	$195

LOANS_RECEIVABLE_AND_ALLOWANCE5

LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES (Details 3) (USD $)	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2013	Jun. 30, 2013	Mar. 31, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Allocation of allowance for loan losses by portfolio segment	'	'	'	'	'	'
Specific Reserves, Impaired loans	$385	'	$3	'	'	'
Total specific reserves	385	'	3	'	'	'
General reserves	2,573	'	3,154	'	'	'
Total	2,958	3,069	3,157	3,414	3,415	3,509
Loans individually evaluated for impairment	11,671	'	11,065	'	'	'
Loans collectively evaluated for impairment	175,756	'	174,211	'	'	'
Total	187,427	'	185,276	'	'	'
Commercial Financial and Agricultural Portfolio Segment [Member]	'	'	'	'	'	'
Allocation of allowance for loan losses by portfolio segment	'	'	'	'	'	'
Specific Reserves, Impaired loans	'	'	'	'	'	'
Total specific reserves	'	'	'	'	'	'
General reserves	251	'	384	'	'	'
Total	251	394	384	168	408	433
Loans individually evaluated for impairment	'	'	'	'	'	'
Loans collectively evaluated for impairment	23,854	'	20,292	'	'	'
Total	23,854	'	20,292	'	'	'
Commercial Real Estate Portfolio Segment [Member]	'	'	'	'	'	'
Allocation of allowance for loan losses by portfolio segment	'	'	'	'	'	'
Specific Reserves, Impaired loans	237	'	3	'	'	'
Total specific reserves	237	'	3	'	'	'
General reserves	1,676	'	1,718	'	'	'
Total	1,913	1,619	1,721	2,180	1,828	1,853
Loans individually evaluated for impairment	10,530	'	10,705	'	'	'
Loans collectively evaluated for impairment	107,750	'	109,475	'	'	'
Total	118,280	'	120,180	'	'	'
Single Family Residential Mortgage [Member]	'	'	'	'	'	'
Allocation of allowance for loan losses by portfolio segment	'	'	'	'	'	'
Specific Reserves, Impaired loans	9	'	'	'	'	'
Total specific reserves	9	'	'	'	'	'
General reserves	499	'	731	'	'	'
Total	508	765	731	606	734	803
Loans individually evaluated for impairment	782	'	360	'	'	'
Loans collectively evaluated for impairment	32,957	'	34,504	'	'	'
Total	33,739	'	34,864	'	'	'
Construction and Development Portfolio Segment [Member]	'	'	'	'	'	'
Allocation of allowance for loan losses by portfolio segment	'	'	'	'	'	'
Specific Reserves, Impaired loans	139	'	'	'	'	'
Total specific reserves	139	'	'	'	'	'
General reserves	'	'	126	'	'	'
Total	139	126	126	156	186	177
Loans individually evaluated for impairment	359	'	'	'	'	'
Loans collectively evaluated for impairment	4,719	'	3,626	'	'	'
Total	5,078	'	3,626	'	'	'
Consumer Portfolio Segment [Member]	'	'	'	'	'	'
Allocation of allowance for loan losses by portfolio segment	'	'	'	'	'	'
Specific Reserves, Impaired loans	'	'	'	'	'	'
Total specific reserves	'	'	'	'	'	'
General reserves	147	'	195	'	'	'
Total	147	165	195	304	259	243
Loans individually evaluated for impairment	'	'	'	'	'	'
Loans collectively evaluated for impairment	6,476	'	6,314	'	'	'
Total	$6,476	'	$6,314	'	'	'

LOANS_RECEIVABLE_AND_ALLOWANCE6

LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES (Details 4) (USD $)	6 Months Ended		12 Months Ended
In Thousands, unless otherwise specified	Jun. 30, 2014	Jun. 30, 2013	Dec. 31, 2013
Financing Receivable, Impaired [Line Items]	'	'	'
Impaired Loans - With Allowance, Unpaid Principal	$2,448	'	$386
Impaired Loans - With Allowance, Recorded Investment	2,132	'	330
Impaired Loans - With Allowance, Allowance for Loan Losses Allocated	385	'	3
Impaired Loans - With no Allowance, Unpaid Principal	11,963	'	13,584
Impaired Loans - With no Allowance, Recorded Investment	9,539	'	10,735
Average Recorded Investment	11,866	14,036	11,283
Interest Income Recognized	545	628	672
Single Family Residential Mortgage [Member]	'	'	'
Financing Receivable, Impaired [Line Items]	'	'	'
Impaired Loans - With Allowance, Allowance for Loan Losses Allocated	9	'	'
Single Family Residential Mortgage [Member] | First Mortgage [Member]	'	'	'
Financing Receivable, Impaired [Line Items]	'	'	'
Impaired Loans - With Allowance, Unpaid Principal	'	'	'
Impaired Loans - With Allowance, Recorded Investment	'	'	'
Impaired Loans - With Allowance, Allowance for Loan Losses Allocated	'	'	'
Impaired Loans - With no Allowance, Unpaid Principal	231	'	231
Impaired Loans - With no Allowance, Recorded Investment	231	'	231
Average Recorded Investment	231	231	231
Interest Income Recognized	'	'	'
Single Family Residential Mortgage [Member] | Home Equity Line of Credit [Member]	'	'	'
Financing Receivable, Impaired [Line Items]	'	'	'
Impaired Loans - With Allowance, Unpaid Principal	86	'	'
Impaired Loans - With Allowance, Recorded Investment	70	'	'
Impaired Loans - With Allowance, Allowance for Loan Losses Allocated	9	'	'
Impaired Loans - With no Allowance, Unpaid Principal	493	'	129
Impaired Loans - With no Allowance, Recorded Investment	481	'	129
Average Recorded Investment	581	128	128
Interest Income Recognized	13	17	2
Commercial Financial and Agricultural Portfolio Segment [Member]	'	'	'
Financing Receivable, Impaired [Line Items]	'	'	'
Impaired Loans - With Allowance, Allowance for Loan Losses Allocated	'	'	'
Commercial Financial and Agricultural Portfolio Segment [Member] | Secured Financing Receivable [Member]	'	'	'
Financing Receivable, Impaired [Line Items]	'	'	'
Impaired Loans - With Allowance, Unpaid Principal	'	'	'
Impaired Loans - With Allowance, Recorded Investment	'	'	'
Impaired Loans - With Allowance, Allowance for Loan Losses Allocated	'	'	'
Impaired Loans - With no Allowance, Unpaid Principal	'	'	'
Impaired Loans - With no Allowance, Recorded Investment	'	'	'
Average Recorded Investment	'	'	'
Interest Income Recognized	'	'	'
Commercial Financial and Agricultural Portfolio Segment [Member] | Unsecured Financing Receivable [Member]	'	'	'
Financing Receivable, Impaired [Line Items]	'	'	'
Impaired Loans - With Allowance, Unpaid Principal	'	'	'
Impaired Loans - With Allowance, Recorded Investment	'	'	'
Impaired Loans - With Allowance, Allowance for Loan Losses Allocated	'	'	'
Impaired Loans - With no Allowance, Unpaid Principal	'	'	'
Impaired Loans - With no Allowance, Recorded Investment	'	'	'
Average Recorded Investment	'	'	'
Interest Income Recognized	'	'	'
Commercial Real Estate Portfolio Segment [Member]	'	'	'
Financing Receivable, Impaired [Line Items]	'	'	'
Impaired Loans - With Allowance, Allowance for Loan Losses Allocated	237	'	3
Commercial Real Estate Portfolio Segment [Member] | Owner Occupied Financing Receivable [Member]	'	'	'
Financing Receivable, Impaired [Line Items]	'	'	'
Impaired Loans - With Allowance, Unpaid Principal	'	'	'
Impaired Loans - With Allowance, Recorded Investment	'	'	'
Impaired Loans - With Allowance, Allowance for Loan Losses Allocated	'	'	'
Impaired Loans - With no Allowance, Unpaid Principal	10,417	'	10,300
Impaired Loans - With no Allowance, Recorded Investment	8,131	'	7,968
Average Recorded Investment	8,247	8,031	8,049
Interest Income Recognized	443	394	534
Commercial Real Estate Portfolio Segment [Member] | Non Owner Occupied Financing Receivable [Member]	'	'	'
Financing Receivable, Impaired [Line Items]	'	'	'
Impaired Loans - With Allowance, Unpaid Principal	1,906	'	'
Impaired Loans - With Allowance, Recorded Investment	1,606	'	'
Impaired Loans - With Allowance, Allowance for Loan Losses Allocated	227	'	'
Impaired Loans - With no Allowance, Unpaid Principal	822	'	2,924
Impaired Loans - With no Allowance, Recorded Investment	696	'	2,407
Average Recorded Investment	2,347	5,282	2,516
Interest Income Recognized	43	171	108
Commercial Real Estate Portfolio Segment [Member] | Multi Family Financing Receivable [Member]	'	'	'
Financing Receivable, Impaired [Line Items]	'	'	'
Impaired Loans - With Allowance, Unpaid Principal	97	'	386
Impaired Loans - With Allowance, Recorded Investment	97	'	330
Impaired Loans - With Allowance, Allowance for Loan Losses Allocated	10	'	3
Impaired Loans - With no Allowance, Unpaid Principal	'	'	'
Impaired Loans - With no Allowance, Recorded Investment	'	'	'
Average Recorded Investment	98	364	359
Interest Income Recognized	27	46	28
Construction and Development Portfolio Segment [Member]	'	'	'
Financing Receivable, Impaired [Line Items]	'	'	'
Impaired Loans - With Allowance, Allowance for Loan Losses Allocated	139	'	'
Construction and Development Portfolio Segment [Member] | Construction Financing Receivable [Member]	'	'	'
Financing Receivable, Impaired [Line Items]	'	'	'
Impaired Loans - With Allowance, Unpaid Principal	359	'	'
Impaired Loans - With Allowance, Recorded Investment	359	'	'
Impaired Loans - With Allowance, Allowance for Loan Losses Allocated	139	'	'
Impaired Loans - With no Allowance, Unpaid Principal	'	'	'
Impaired Loans - With no Allowance, Recorded Investment	'	'	'
Average Recorded Investment	362	'	'
Interest Income Recognized	19	'	'
Construction and Development Portfolio Segment [Member] | Improved Land Financing Receivable [Member]	'	'	'
Financing Receivable, Impaired [Line Items]	'	'	'
Impaired Loans - With Allowance, Unpaid Principal	'	'	'
Impaired Loans - With Allowance, Recorded Investment	'	'	'
Impaired Loans - With Allowance, Allowance for Loan Losses Allocated	'	'	'
Impaired Loans - With no Allowance, Unpaid Principal	'	'	'
Impaired Loans - With no Allowance, Recorded Investment	'	'	'
Average Recorded Investment	'	'	'
Interest Income Recognized	'	'	'
Construction and Development Portfolio Segment [Member] | Unimproved Land Financing Receivable [Member]	'	'	'
Financing Receivable, Impaired [Line Items]	'	'	'
Impaired Loans - With Allowance, Unpaid Principal	'	'	'
Impaired Loans - With Allowance, Recorded Investment	'	'	'
Impaired Loans - With Allowance, Allowance for Loan Losses Allocated	'	'	'
Impaired Loans - With no Allowance, Unpaid Principal	'	'	'
Impaired Loans - With no Allowance, Recorded Investment	'	'	'
Average Recorded Investment	'	'	'
Interest Income Recognized	'	'	'
Consumer Portfolio Segment [Member]	'	'	'
Financing Receivable, Impaired [Line Items]	'	'	'
Impaired Loans - With Allowance, Unpaid Principal	'	'	'
Impaired Loans - With Allowance, Recorded Investment	'	'	'
Impaired Loans - With Allowance, Allowance for Loan Losses Allocated	'	'	'
Impaired Loans - With no Allowance, Unpaid Principal	'	'	'
Impaired Loans - With no Allowance, Recorded Investment	'	'	'
Average Recorded Investment	'	'	'
Interest Income Recognized	'	'	'

LOANS_RECEIVABLE_AND_ALLOWANCE7

LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES (Details 5) (USD $)	Jun. 30, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Financing Receivable, Impaired [Line Items]	'	'
30-59 Days Past Due	$6,387	$4,330
60-89 Days Past Due	1,183	1,361
Over 90 Days Past Due	2,888	2,720
Total Past Due	10,458	8,411
Current	176,969	176,865
Total	187,427	185,276
Recorded Investment > 90 Days and Accruing	35	'
Nonaccrual	5,742	7,120
Minimum amount required for loan to be reviewed at least annually to determine appropriate loan grading	750	'
Single Family Residential Mortgage [Member]	'	'
Financing Receivable, Impaired [Line Items]	'	'
Total	33,739	34,864
Commercial Financial and Agricultural Portfolio Segment [Member]	'	'
Financing Receivable, Impaired [Line Items]	'	'
Total	23,854	20,292
Commercial Real Estate Portfolio Segment [Member]	'	'
Financing Receivable, Impaired [Line Items]	'	'
Total	118,280	120,180
Construction and Development Portfolio Segment [Member]	'	'
Financing Receivable, Impaired [Line Items]	'	'
Total	5,078	3,626
Consumer Portfolio Segment [Member]	'	'
Financing Receivable, Impaired [Line Items]	'	'
30-59 Days Past Due	4	6
60-89 Days Past Due	27	30
Over 90 Days Past Due	30	45
Total Past Due	61	81
Current	6,415	6,233
Total	6,476	6,314
Recorded Investment > 90 Days and Accruing	'	'
Nonaccrual	30	45
First Mortgage [Member] | Single Family Residential Mortgage [Member]	'	'
Financing Receivable, Impaired [Line Items]	'	'
30-59 Days Past Due	40	1,778
60-89 Days Past Due	98	360
Over 90 Days Past Due	1,707	1,840
Total Past Due	1,845	3,978
Current	23,710	22,348
Total	25,555	26,326
Recorded Investment > 90 Days and Accruing	35	'
Nonaccrual	2,473	3,334
Home Equity Line of Credit [Member] | Single Family Residential Mortgage [Member]	'	'
Financing Receivable, Impaired [Line Items]	'	'
30-59 Days Past Due	586	444
60-89 Days Past Due	85	19
Over 90 Days Past Due	729	466
Total Past Due	1,400	929
Current	6,784	7,609
Total	8,184	8,538
Recorded Investment > 90 Days and Accruing	'	'
Nonaccrual	831	821
Secured Financing Receivable [Member] | Commercial Financial and Agricultural Portfolio Segment [Member]	'	'
Financing Receivable, Impaired [Line Items]	'	'
30-59 Days Past Due	'	125
60-89 Days Past Due	'	'
Over 90 Days Past Due	2	2
Total Past Due	2	127
Current	18,903	14,906
Total	18,905	15,033
Recorded Investment > 90 Days and Accruing	'	'
Nonaccrual	2	2
Unsecured Financing Receivable [Member] | Commercial Financial and Agricultural Portfolio Segment [Member]	'	'
Financing Receivable, Impaired [Line Items]	'	'
30-59 Days Past Due	'	'
60-89 Days Past Due	'	'
Over 90 Days Past Due	'	'
Total Past Due	'	'
Current	4,949	5,259
Total	4,949	5,259
Recorded Investment > 90 Days and Accruing	'	'
Nonaccrual	'	'
Owner Occupied Financing Receivable [Member] | Commercial Real Estate Portfolio Segment [Member]	'	'
Financing Receivable, Impaired [Line Items]	'	'
30-59 Days Past Due	137	715
60-89 Days Past Due	248	753
Over 90 Days Past Due	339	81
Total Past Due	724	1,549
Current	61,357	60,090
Total	62,081	61,639
Recorded Investment > 90 Days and Accruing	'	'
Nonaccrual	1,372	1,038
Non Owner Occupied Financing Receivable [Member] | Commercial Real Estate Portfolio Segment [Member]	'	'
Financing Receivable, Impaired [Line Items]	'	'
30-59 Days Past Due	4,468	38
60-89 Days Past Due	326	199
Over 90 Days Past Due	81	286
Total Past Due	4,875	523
Current	37,096	43,287
Total	41,971	43,810
Recorded Investment > 90 Days and Accruing	'	'
Nonaccrual	1,034	1,550
Multi Family Financing Receivable [Member] | Commercial Real Estate Portfolio Segment [Member]	'	'
Financing Receivable, Impaired [Line Items]	'	'
30-59 Days Past Due	430	747
60-89 Days Past Due	399	'
Over 90 Days Past Due	'	'
Total Past Due	829	747
Current	13,399	13,984
Total	14,228	14,731
Recorded Investment > 90 Days and Accruing	'	'
Nonaccrual	'	330
Construction Financing Receivable [Member] | Construction and Development Portfolio Segment [Member]	'	'
Financing Receivable, Impaired [Line Items]	'	'
30-59 Days Past Due	566	477
60-89 Days Past Due	'	'
Over 90 Days Past Due	'	'
Total Past Due	566	477
Current	4,311	2,542
Total	4,877	3,019
Recorded Investment > 90 Days and Accruing	'	'
Nonaccrual	'	'
Improved Land Financing Receivable [Member] | Construction and Development Portfolio Segment [Member]	'	'
Financing Receivable, Impaired [Line Items]	'	'
30-59 Days Past Due	156	'
60-89 Days Past Due	'	'
Over 90 Days Past Due	'	'
Total Past Due	156	'
Current	45	242
Total	201	242
Recorded Investment > 90 Days and Accruing	'	'
Nonaccrual	'	'
Unimproved Land Financing Receivable [Member] | Construction and Development Portfolio Segment [Member]	'	'
Financing Receivable, Impaired [Line Items]	'	'
30-59 Days Past Due	'	'
60-89 Days Past Due	'	'
Over 90 Days Past Due	'	'
Total Past Due	'	'
Current	'	365
Total	'	365
Recorded Investment > 90 Days and Accruing	'	'
Nonaccrual	'	'

LOANS_RECEIVABLE_AND_ALLOWANCE8

LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES (Details 6) (USD $)	Jun. 30, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Total	$187,427	$185,276
Single Family Residential Mortgage [Member]	'	'
Total	33,739	34,864
Single Family Residential Mortgage [Member] | First Mortgage [Member]	'	'
Total	25,555	26,326
Single Family Residential Mortgage [Member] | Home Equity Line of Credit [Member]	'	'
Total	8,184	8,538
Commercial Financial and Agricultural Portfolio Segment [Member]	'	'
Total	23,854	20,292
Commercial Financial and Agricultural Portfolio Segment [Member] | Secured Financing Receivable [Member]	'	'
Total	18,905	15,033
Commercial Financial and Agricultural Portfolio Segment [Member] | Unsecured Financing Receivable [Member]	'	'
Total	4,949	5,259
Commercial Real Estate Portfolio Segment [Member]	'	'
Total	118,280	120,180
Commercial Real Estate Portfolio Segment [Member] | Owner Occupied Financing Receivable [Member]	'	'
Total	62,081	61,639
Commercial Real Estate Portfolio Segment [Member] | Non Owner Occupied Financing Receivable [Member]	'	'
Total	41,971	43,810
Commercial Real Estate Portfolio Segment [Member] | Multi Family Financing Receivable [Member]	'	'
Total	14,228	14,731
Construction and Development Portfolio Segment [Member]	'	'
Total	5,078	3,626
Construction and Development Portfolio Segment [Member] | Construction Financing Receivable [Member]	'	'
Total	4,877	3,019
Construction and Development Portfolio Segment [Member] | Improved Land Financing Receivable [Member]	'	'
Total	201	242
Construction and Development Portfolio Segment [Member] | Unimproved Land Financing Receivable [Member]	'	'
Total	'	365
Consumer Portfolio Segment [Member]	'	'
Total	6,476	6,314
Pass [Member]	'	'
Total	167,855	166,627
Pass [Member] | Single Family Residential Mortgage [Member] | First Mortgage [Member]	'	'
Total	23,709	24,126
Pass [Member] | Single Family Residential Mortgage [Member] | Home Equity Line of Credit [Member]	'	'
Total	7,030	7,686
Pass [Member] | Commercial Financial and Agricultural Portfolio Segment [Member] | Secured Financing Receivable [Member]	'	'
Total	18,885	15,009
Pass [Member] | Commercial Financial and Agricultural Portfolio Segment [Member] | Unsecured Financing Receivable [Member]	'	'
Total	4,949	5,259
Pass [Member] | Commercial Real Estate Portfolio Segment [Member] | Owner Occupied Financing Receivable [Member]	'	'
Total	49,065	50,921
Pass [Member] | Commercial Real Estate Portfolio Segment [Member] | Non Owner Occupied Financing Receivable [Member]	'	'
Total	39,701	40,482
Pass [Member] | Commercial Real Estate Portfolio Segment [Member] | Multi Family Financing Receivable [Member]	'	'
Total	13,443	13,704
Pass [Member] | Construction and Development Portfolio Segment [Member] | Construction Financing Receivable [Member]	'	'
Total	4,518	3,019
Pass [Member] | Construction and Development Portfolio Segment [Member] | Improved Land Financing Receivable [Member]	'	'
Total	159	197
Pass [Member] | Construction and Development Portfolio Segment [Member] | Unimproved Land Financing Receivable [Member]	'	'
Total	'	'
Pass [Member] | Consumer Portfolio Segment [Member]	'	'
Total	6,396	6,224
Special Mention [Member]	'	'
Total	9,008	7,417
Special Mention [Member] | Single Family Residential Mortgage [Member] | First Mortgage [Member]	'	'
Total	40	'
Special Mention [Member] | Single Family Residential Mortgage [Member] | Home Equity Line of Credit [Member]	'	'
Total	19	22
Special Mention [Member] | Commercial Financial and Agricultural Portfolio Segment [Member] | Secured Financing Receivable [Member]	'	'
Total	'	'
Special Mention [Member] | Commercial Financial and Agricultural Portfolio Segment [Member] | Unsecured Financing Receivable [Member]	'	'
Total	'	'
Special Mention [Member] | Commercial Real Estate Portfolio Segment [Member] | Owner Occupied Financing Receivable [Member]	'	'
Total	8,303	5,929
Special Mention [Member] | Commercial Real Estate Portfolio Segment [Member] | Non Owner Occupied Financing Receivable [Member]	'	'
Total	'	819
Special Mention [Member] | Commercial Real Estate Portfolio Segment [Member] | Multi Family Financing Receivable [Member]	'	'
Total	646	647
Special Mention [Member] | Construction and Development Portfolio Segment [Member] | Construction Financing Receivable [Member]	'	'
Total	'	'
Special Mention [Member] | Construction and Development Portfolio Segment [Member] | Improved Land Financing Receivable [Member]	'	'
Total	'	'
Special Mention [Member] | Construction and Development Portfolio Segment [Member] | Unimproved Land Financing Receivable [Member]	'	'
Total	'	'
Special Mention [Member] | Consumer Portfolio Segment [Member]	'	'
Total	'	'
Substandard [Member]	'	'
Total	10,255	11,130
Substandard [Member] | Single Family Residential Mortgage [Member] | First Mortgage [Member]	'	'
Total	1,739	2,200
Substandard [Member] | Single Family Residential Mortgage [Member] | Home Equity Line of Credit [Member]	'	'
Total	994	728
Substandard [Member] | Commercial Financial and Agricultural Portfolio Segment [Member] | Secured Financing Receivable [Member]	'	'
Total	20	24
Substandard [Member] | Commercial Financial and Agricultural Portfolio Segment [Member] | Unsecured Financing Receivable [Member]	'	'
Total	'	'
Substandard [Member] | Commercial Real Estate Portfolio Segment [Member] | Owner Occupied Financing Receivable [Member]	'	'
Total	4,713	4,789
Substandard [Member] | Commercial Real Estate Portfolio Segment [Member] | Non Owner Occupied Financing Receivable [Member]	'	'
Total	2,180	2,509
Substandard [Member] | Commercial Real Estate Portfolio Segment [Member] | Multi Family Financing Receivable [Member]	'	'
Total	139	380
Substandard [Member] | Construction and Development Portfolio Segment [Member] | Construction Financing Receivable [Member]	'	'
Total	359	'
Substandard [Member] | Construction and Development Portfolio Segment [Member] | Improved Land Financing Receivable [Member]	'	'
Total	42	45
Substandard [Member] | Construction and Development Portfolio Segment [Member] | Unimproved Land Financing Receivable [Member]	'	'
Total	'	365
Substandard [Member] | Consumer Portfolio Segment [Member]	'	'
Total	69	90
Doubtful [Member]	'	'
Total	309	102
Doubtful [Member] | Single Family Residential Mortgage [Member] | First Mortgage [Member]	'	'
Total	67	'
Doubtful [Member] | Single Family Residential Mortgage [Member] | Home Equity Line of Credit [Member]	'	'
Total	141	102
Doubtful [Member] | Commercial Financial and Agricultural Portfolio Segment [Member] | Secured Financing Receivable [Member]	'	'
Total	'	'
Doubtful [Member] | Commercial Financial and Agricultural Portfolio Segment [Member] | Unsecured Financing Receivable [Member]	'	'
Total	'	'
Doubtful [Member] | Commercial Real Estate Portfolio Segment [Member] | Owner Occupied Financing Receivable [Member]	'	'
Total	'	'
Doubtful [Member] | Commercial Real Estate Portfolio Segment [Member] | Non Owner Occupied Financing Receivable [Member]	'	'
Total	90	'
Doubtful [Member] | Commercial Real Estate Portfolio Segment [Member] | Multi Family Financing Receivable [Member]	'	'
Total	'	'
Doubtful [Member] | Construction and Development Portfolio Segment [Member] | Construction Financing Receivable [Member]	'	'
Total	'	'
Doubtful [Member] | Construction and Development Portfolio Segment [Member] | Improved Land Financing Receivable [Member]	'	'
Total	'	'
Doubtful [Member] | Construction and Development Portfolio Segment [Member] | Unimproved Land Financing Receivable [Member]	'	'
Total	'	'
Doubtful [Member] | Consumer Portfolio Segment [Member]	'	'
Total	$11	'

LOANS_RECEIVABLE_AND_ALLOWANCE9

LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES (Details 7) (USD $)	3 Months Ended	6 Months Ended
In Thousands, unless otherwise specified	Jun. 30, 2013	Jun. 30, 2013
	item	item
Decreased Interest Rate [Member]	'	'
Financing Receivable, Modifications [Line Items]	'	'
Number of Loans	2	2
Pre-Modification Recorded Investment	$140	$140
Post-Modification Recorded Investment	140	140
Decreased Interest Rate [Member] | Single Family Residential Mortgage [Member]	'	'
Financing Receivable, Modifications [Line Items]	'	'
Number of Loans	2	2
Pre-Modification Recorded Investment	140	140
Post-Modification Recorded Investment	140	140
Decreased Interest Rate and Loan Term Extension [Member]	'	'
Financing Receivable, Modifications [Line Items]	'	'
Number of Loans	3	6
Pre-Modification Recorded Investment	525	1,783
Post-Modification Recorded Investment	542	1,801
Decreased Interest Rate and Loan Term Extension [Member] | Single Family Residential Mortgage [Member]	'	'
Financing Receivable, Modifications [Line Items]	'	'
Number of Loans	2	2
Pre-Modification Recorded Investment	335	335
Post-Modification Recorded Investment	346	346
Decreased Interest Rate and Loan Term Extension [Member] | Commercial Real Estate Portfolio Segment [Member] | Owner Occupied Financing Receivable [Member]	'	'
Financing Receivable, Modifications [Line Items]	'	'
Number of Loans	'	2
Pre-Modification Recorded Investment	'	252
Post-Modification Recorded Investment	'	258
Decreased Interest Rate and Loan Term Extension [Member] | Commercial Real Estate Portfolio Segment [Member] | Non Owner Occupied Financing Receivable [Member]	'	'
Financing Receivable, Modifications [Line Items]	'	'
Number of Loans	1	2
Pre-Modification Recorded Investment	190	1,196
Post-Modification Recorded Investment	$196	$1,197

Recovered_Sheet1

LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES (Details Narrative)	6 Months Ended
	Jun. 30, 2014
Loans and Leases Receivable Disclosure [Abstract]	'
Minimum period of restructured loan past due	'90 days

FAIR_VALUE_OF_FINANCIAL_INSTRU2

FAIR VALUE OF FINANCIAL INSTRUMENTS (Details) (USD $)	Jun. 30, 2014	Dec. 31, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'	'
Securities available for sale:	$135,836	$141,045	'
Other real estate owned	6,808	7,404	8,195
State, county and municipal securities [Member]	'	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'	'
Securities available for sale:	33,397	34,802	'
Mortgage Backed Securities [Member]	'	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'	'
Securities available for sale:	92,430	96,267	'
Corporate Securities [Member]	'	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'	'
Securities available for sale:	10,009	9,976	'
Fair Value, Inputs, Level 3 [Member] | Commercial Real Estate Portfolio Segment [Member]	'	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'	'
Collateral Dependent Impaired loans	10,293	'	'
Fair Value, Inputs, Level 3 [Member] | Single Family Residential Mortgage [Member]	'	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'	'
Collateral Dependent Impaired loans	773	'	'
Fair Value, Inputs, Level 3 [Member] | Other real estate owned [Member]	'	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'	'
Other real estate owned	6,808	'	'
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 2 [Member]	'	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'	'
Securities available for sale:	135,836	141,045	'
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 2 [Member] | State, county and municipal securities [Member]	'	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'	'
Securities available for sale:	33,397	34,802	'
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 2 [Member] | Mortgage Backed Securities [Member]	'	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'	'
Securities available for sale:	92,430	96,267	'
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 2 [Member] | Corporate Securities [Member]	'	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'	'
Securities available for sale:	10,009	9,976	'
Fair Value, Measurements, Recurring [Member] | Estimate of Fair Value, Fair Value Disclosure [Member]	'	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'	'
Securities available for sale:	135,836	141,045	'
Fair Value, Measurements, Recurring [Member] | Estimate of Fair Value, Fair Value Disclosure [Member] | State, county and municipal securities [Member]	'	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'	'
Securities available for sale:	33,397	34,802	'
Fair Value, Measurements, Recurring [Member] | Estimate of Fair Value, Fair Value Disclosure [Member] | Mortgage Backed Securities [Member]	'	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'	'
Securities available for sale:	92,430	96,267	'
Fair Value, Measurements, Recurring [Member] | Estimate of Fair Value, Fair Value Disclosure [Member] | Corporate Securities [Member]	'	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'	'
Securities available for sale:	10,009	9,976	'
Fair Value, Measurements, Nonrecurring [Member] | Estimate of Fair Value, Fair Value Disclosure [Member]	'	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'	'
Collateral dependent impaired loans and Other real estate owned	18,094	18,466	'
Fair Value, Measurements, Nonrecurring [Member] | Estimate of Fair Value, Fair Value Disclosure [Member] | Commercial Real Estate Portfolio Segment [Member]	'	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'	'
Collateral Dependent Impaired loans	10,293	10,702	'
Fair Value, Measurements, Nonrecurring [Member] | Estimate of Fair Value, Fair Value Disclosure [Member] | Single Family Residential Mortgage [Member]	'	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'	'
Collateral Dependent Impaired loans	773	360	'
Fair Value, Measurements, Nonrecurring [Member] | Estimate of Fair Value, Fair Value Disclosure [Member] | Other real estate owned [Member]	'	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'	'
Other real estate owned	6,808	7,404	'
Fair Value, Measurements, Nonrecurring [Member] | Estimate of Fair Value, Fair Value Disclosure [Member] | Construction and Development Portfolio Segment [Member]	'	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'	'
Collateral Dependent Impaired loans	220	'	'
Fair Value, Measurements, Nonrecurring [Member] | Fair Value, Inputs, Level 3 [Member]	'	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'	'
Collateral dependent impaired loans and Other real estate owned	18,094	18,466	'
Fair Value, Measurements, Nonrecurring [Member] | Fair Value, Inputs, Level 3 [Member] | Commercial Real Estate Portfolio Segment [Member]	'	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'	'
Collateral Dependent Impaired loans	10,293	10,702	'
Fair Value, Measurements, Nonrecurring [Member] | Fair Value, Inputs, Level 3 [Member] | Single Family Residential Mortgage [Member]	'	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'	'
Collateral Dependent Impaired loans	773	360	'
Fair Value, Measurements, Nonrecurring [Member] | Fair Value, Inputs, Level 3 [Member] | Other real estate owned [Member]	'	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'	'
Other real estate owned	6,808	7,404	'
Fair Value, Measurements, Nonrecurring [Member] | Fair Value, Inputs, Level 3 [Member] | Construction and Development Portfolio Segment [Member]	'	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'	'
Collateral Dependent Impaired loans	$220	'	'

FAIR_VALUE_OF_FINANCIAL_INSTRU3

FAIR VALUE OF FINANCIAL INSTRUMENTS (Details 2) (USD $)

Jun. 30, 2014

Dec. 31, 2013

Dec. 31, 2012

Jun. 30, 2014

Jun. 30, 2014

Dec. 31, 2013

Jun. 30, 2014

Jun. 30, 2014

Jun. 30, 2014

Jun. 30, 2014

Dec. 31, 2013

Jun. 30, 2014

Jun. 30, 2014

Jun. 30, 2014

Jun. 30, 2014

Dec. 31, 2013

Jun. 30, 2014

Jun. 30, 2014

Jun. 30, 2014

Jun. 30, 2014

Jun. 30, 2014

Jun. 30, 2014

Dec. 31, 2013

Jun. 30, 2014

Dec. 31, 2013

Jun. 30, 2014

Dec. 31, 2013

Jun. 30, 2014

In Thousands, unless otherwise specified

Fair Value, Inputs, Level 3 [Member]

Fair Value, Inputs, Level 3 [Member]

Fair Value, Inputs, Level 3 [Member]

Fair Value, Inputs, Level 3 [Member]

Fair Value, Inputs, Level 3 [Member]

Fair Value, Inputs, Level 3 [Member]

Fair Value, Inputs, Level 3 [Member]

Fair Value, Inputs, Level 3 [Member]

Fair Value, Inputs, Level 3 [Member]

Fair Value, Inputs, Level 3 [Member]

Fair Value, Inputs, Level 3 [Member]

Fair Value, Inputs, Level 3 [Member]

Fair Value, Inputs, Level 3 [Member]

Fair Value, Inputs, Level 3 [Member]

Fair Value, Inputs, Level 3 [Member]

Fair Value, Inputs, Level 3 [Member]

Fair Value, Inputs, Level 3 [Member]

Fair Value, Inputs, Level 3 [Member]

Estimate of Fair Value, Fair Value Disclosure [Member]

Estimate of Fair Value, Fair Value Disclosure [Member]

Estimate of Fair Value, Fair Value Disclosure [Member]

Estimate of Fair Value, Fair Value Disclosure [Member]

Estimate of Fair Value, Fair Value Disclosure [Member]

Estimate of Fair Value, Fair Value Disclosure [Member]

Estimate of Fair Value, Fair Value Disclosure [Member]

Commercial Real Estate Portfolio Segment [Member]

Commercial Real Estate Portfolio Segment [Member]

Commercial Real Estate Portfolio Segment [Member]

Commercial Real Estate Portfolio Segment [Member]

Commercial Real Estate Portfolio Segment [Member]

Single Family Residential Mortgage [Member]

Single Family Residential Mortgage [Member]

Single Family Residential Mortgage [Member]

Single Family Residential Mortgage [Member]

Single Family Residential Mortgage [Member]

Other real estate owned [Member]

Other real estate owned [Member]

Other real estate owned [Member]

Other real estate owned [Member]

Other real estate owned [Member]

Construction and Development Portfolio Segment [Member]

Construction and Development Portfolio Segment [Member]

Construction and Development Portfolio Segment [Member]

Commercial Real Estate Portfolio Segment [Member]

Commercial Real Estate Portfolio Segment [Member]

Single Family Residential Mortgage [Member]

Single Family Residential Mortgage [Member]

Other real estate owned [Member]

Other real estate owned [Member]

Construction and Development Portfolio Segment [Member]

Fair Value, Measurements, Nonrecurring [Member]

Fair Value, Measurements, Nonrecurring [Member]

Minimum [Member]

Maximum [Member]

Fair Value, Measurements, Nonrecurring [Member]

Fair Value, Measurements, Nonrecurring [Member]

Minimum [Member]

Maximum [Member]

Fair Value, Measurements, Nonrecurring [Member]

Fair Value, Measurements, Nonrecurring [Member]

Minimum [Member]

Maximum [Member]

Fair Value, Measurements, Nonrecurring [Member]

Minimum [Member]

Maximum [Member]

Fair Value, Measurements, Nonrecurring [Member]

Fair Value, Measurements, Nonrecurring [Member]

Fair Value, Measurements, Nonrecurring [Member]

Fair Value, Measurements, Nonrecurring [Member]

Fair Value, Measurements, Nonrecurring [Member]

Fair Value, Measurements, Nonrecurring [Member]

Fair Value, Measurements, Nonrecurring [Member]

Fair Value, Measurements, Nonrecurring [Member]

Fair Value, Measurements, Nonrecurring [Member]

Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Negative adjustment for selling costs and changes in market conditions since appraisal (as a percent)

'

'

'

'

'

'

5.00%

20.00%

'

'

'

5.00%

20.00%

'

'

'

5.00%

20.00%

'

5.00%

20.00%

'

'

'

'

'

'

'

Collateral Dependent Impaired loans

'

'

'

$10,293

$10,293

$10,702

'

'

$773

$773

$360

'

'

'

'

'

'

'

$220

'

'

$10,293

$10,702

$773

$360

'

'

$220

Other real estate owned

$6,808

$7,404

$8,195

'

'

'

'

'

'

'

'

'

'

$6,808

$6,808

$7,404

'

'

'

'

'

'

'

'

'

$6,808

$7,404

'

FAIR_VALUE_OF_FINANCIAL_INSTRU4

FAIR VALUE OF FINANCIAL INSTRUMENTS (Details 3) (USD $)	Jun. 30, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Financial assets:	'	'
Cash and due from banks	$2,902	$6,340
Interest-bearing deposits with banks	49,495	22,827
Certificates of deposit	350	350
Other investments	748	874
Loans-net	184,469	182,119
Cash surrender value of life insurance	10,135	9,948
Financial liabilities:	'	'
Deposits	353,524	336,962
Advances from Federal Home Loan Bank	264	273
Commitments to Extend Credit [Member]	'	'
Off-balance-sheet financial instruments:	'	'
Notional amount	23,113	26,313
Estimated fair value	'	'
Letter of Credit [Member]	'	'
Off-balance-sheet financial instruments:	'	'
Notional amount	2,027	2,125
Estimated fair value	'	'
Fair Value, Inputs, Level 1 [Member]	'	'
Financial assets:	'	'
Cash and due from banks	2,902	6,340
Interest-bearing deposits with banks	49,495	22,827
Certificates of deposit	350	350
Investment securities	'	'
Other investments	748	874
Loans-net	'	'
Cash surrender value of life insurance	10,135	9,948
Financial liabilities:	'	'
Deposits	214,841	195,884
Advances from Federal Home Loan Bank	'	'
Fair Value, Inputs, Level 2 [Member]	'	'
Financial assets:	'	'
Cash and due from banks	'	'
Interest-bearing deposits with banks	'	'
Certificates of deposit	'	'
Investment securities	136,077	141,285
Other investments	'	'
Loans-net	'	'
Cash surrender value of life insurance	'	'
Financial liabilities:	'	'
Deposits	139,469	141,884
Advances from Federal Home Loan Bank	264	273
Fair Value, Inputs, Level 3 [Member]	'	'
Financial assets:	'	'
Cash and due from banks	'	'
Interest-bearing deposits with banks	'	'
Certificates of deposit	'	'
Investment securities	'	'
Other investments	'	'
Loans-net	185,135	183,150
Cash surrender value of life insurance	'	'
Financial liabilities:	'	'
Deposits	'	'
Advances from Federal Home Loan Bank	'	'
Carrying (Reported) Amount, Fair Value Disclosure [Member]	'	'
Financial assets:	'	'
Cash and due from banks	2,902	6,340
Interest-bearing deposits with banks	49,495	22,827
Certificates of deposit	350	350
Investment securities	136,076	141,285
Other investments	748	874
Loans-net	184,469	182,119
Cash surrender value of life insurance	10,135	9,948
Financial liabilities:	'	'
Deposits	353,524	336,962
Advances from Federal Home Loan Bank	264	273
Estimate of Fair Value, Fair Value Disclosure [Member]	'	'
Financial assets:	'	'
Cash and due from banks	2,902	6,340
Interest-bearing deposits with banks	49,495	22,827
Certificates of deposit	350	350
Investment securities	136,077	141,285
Other investments	748	874
Loans-net	185,135	183,150
Cash surrender value of life insurance	10,135	9,948
Financial liabilities:	'	'
Deposits	354,310	337,768
Advances from Federal Home Loan Bank	$264	$273

OTHER_REAL_ESTATE_OWNED_Detail

OTHER REAL ESTATE OWNED (Details) (USD $)	6 Months Ended		12 Months Ended
In Thousands, unless otherwise specified	Jun. 30, 2014	Jun. 30, 2013	Dec. 31, 2013
Transactions in other real estate owned	'	'	'
Balance-beginning of period	$7,404	$8,195	$8,195
Additions	510	1,377	3,901
Sales	-900	'	-4,076
Write downs	-206	-350	-616
Balance-end of period	$6,808	'	$7,404

INTANGIBLE_ASSETS_Details

INTANGIBLE ASSETS (Details) (USD $)	3 Months Ended		6 Months Ended
In Thousands, unless otherwise specified	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013	Dec. 31, 2013
Goodwill and Intangible Assets Disclosure [Abstract]	'	'	'	'	'
Period over which the deposit assumption premiums are amortized	'	'	'7 years	'	'
Gross Carrying Amount, Goodwill	$362	'	$362	'	$362
Amortized intangible asset:	'	'	'	'	'
Gross Carrying Amount, Core deposit intangibles	3,303	'	3,303	'	3,303
Accumulated Amortization, Core deposit intangibles	2,478	'	2,478	'	2,242
Aggregate amortization expense of core deposit intangibles	$118	$118	$236	$236	'

INTANGIBLE_ASSETS_Details_1

INTANGIBLE ASSETS (Details 1) (USD $)	Jun. 30, 2014
In Thousands, unless otherwise specified
Estimated aggregate amortization expense of core deposit intangibles	'
2014	$472
2015	472
2016	118
2017 and thereafter	'

NET_INCOME_PER_COMMON_AND_COMM2

NET INCOME PER COMMON AND COMMON EQUIVALENT SHARE (Details) (USD $)	3 Months Ended		6 Months Ended
In Thousands, except Share data, unless otherwise specified	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013
Net Income (Numerator)	'	'	'	'
Basic earnings available to common stockholders	$414	$212	$771	$425
Nonvested restricted stock grant	'	'	'	'
Effect of dilutive securities: options to purchase common shares	'	'	'	'
Diluted earnings	$414	$212	$771	$425
Shares (Denominator)	'	'	'	'
Basic (in shares)	2,161	2,153	2,161	2,149
Nonvested restricted stock grant (in shares)	29	17	29	17
Effect of dilutive securities: options to purchase common shares (in shares)	'	'	'	'
Diluted (in shares)	2,190	2,170	2,189	2,166
Per Share Amount	'	'	'	'
Basic earnings per share available to common stockholders (in dollars per share)	$0.19	$0.10	$0.36	$0.20
Nonvested resticted stock grant (in dollars per share)	'	'	($0.01)	'
Effect of dilutive securities: options to purchase common shares (in dollars per shares)	'	'	'	'
Diluted earnings per share (in dollars per share)	$0.19	$0.10	$0.35	$0.20