Citizens Bancshares 10-Q 15 May 15 2015 Q1 Quarterly report Financial data

Document_and_Entity_Informatio

Document and Entity Information	3 Months Ended
	Mar. 31, 2015	13-May-15
Entity Registrant Name	CITIZENS BANCSHARES CORP /GA/
Entity Central Index Key	813640
Document Type	10-Q
Document Period End Date	31-Mar-15
Amendment Flag	FALSE
Current Fiscal Year End Date	-19
Is Entity a Well-known Seasoned Issuer?	No
Is Entity a Voluntary Filer?	No
Is Entity's Reporting Status Current?	Yes
Entity Filer Category	Smaller Reporting Company
Document Fiscal Period Focus	Q1
Document Fiscal Year Focus	2015
Common Stock [Member]
Entity Common Stock, Shares Outstanding		2,063,951
Nonvoting Common Stock [Member]
Entity Common Stock, Shares Outstanding		90,000

CONSOLIDATED_BALANCE_SHEETS_Un

CONSOLIDATED BALANCE SHEETS (Unaudited) (USD $)	Mar. 31, 2015	Dec. 31, 2014
In Thousands, unless otherwise specified
ASSETS
Cash and due from banks	$2,995	$2,758
Interest-bearing deposits with banks	56,427	45,653
Certificates of deposit	350	350
Investment securities available for sale, at fair value	116,111	126,611
Investment securities held to maturity, at cost	240	240
Other investments	799	792
Loans receivable, net	191,525	188,739
Premises and equipment, net	6,337	6,395
Cash surrender value of life insurance	10,135	10,082
Other Real Estate Owned	4,382	4,668
Other assets	9,288	9,351
Total assets	398,589	395,639
LIABILITIES:
Noninterest-bearing deposits	86,052	83,818
Interest-bearing deposits	257,211	257,071
Total deposits	343,263	340,889
Accrued expenses and other liabilities	4,710	4,930
Advances from Federal Home Loan Bank	249	254
Total liabilities	348,222	346,073
STOCKHOLDERS' EQUITY:
Additional paid-in capital	8,119	8,119
Retained earnings	28,901	28,532
Treasury stock at cost, 235,938 shares at March 31, 2015 and December 31, 2014, respectively	-1,882	-1,882
Accumulated other comprehensive income, net of income taxes	1,072	670
Total stockholders' equity	50,367	49,566
Total liabilities and stockholders' equity	398,589	395,639
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	2,303	2,303
Nonvoting Common Stock [Member]
STOCKHOLDERS' EQUITY:
Common stock	90	90
Nonvested Restricted Common Stock [Member]
STOCKHOLDERS' EQUITY:
Common stock	($77)	($107)

CONSOLIDATED_BALANCE_SHEETS_Un1

CONSOLIDATED BALANCE SHEETS (Unaudited) (Parenthetical) (USD $)	Mar. 31, 2015	Dec. 31, 2014
Treasury stock, shares	235,938	235,938
Series B Preferred Stock [Member]
Preferred stock, no par value (in dollars per share)
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, no par value (in dollars per share)
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	2,303,228	2,303,228
Common stock, shares outstanding	2,303,228	2,303,228
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
In Thousands, except Per Share data, unless otherwise specified	Mar. 31, 2015	Mar. 31, 2014
Interest income:
Loans, including fees	$2,403	$2,477
Investment securities:
Taxable	507	584
Tax-exempt	235	295
Interest-bearing deposits	29	20
Total interest income	3,174	3,376
Interest expense:
Deposits	184	212
Total interest expense	184	212
Net interest income	2,990	3,164
Provision for loan losses	75
Net interest income after provision for loan losses	2,915	3,164
Noninterest income:
Service charges on deposits	668	703
Gain on sales of securities	191
Other operating income	305	276
Total noninterest income	1,164	979
Noninterest expense:
Salaries and employee benefits	1,676	1,536
Net occupancy and equipment	501	543
Amortization of core deposit intangible	118	118
FDIC insurance	93	77
Other real estate owned, net	19	231
Other operating expenses	1,151	1,139
Total noninterest expense	3,558	3,644
Income before income taxes	521	499
Income tax expense	93	83
Net income	428	416
Preferred dividends	59	59
Net income available to common shareholders	$369	$357
Net income per common share - basic (in dollars per share)	$0.17	$0.17
Net income per common share - diluted (in dollars per share)	$0.17	$0.16
Weighted average common outstanding shares - basic (in shares)	2,194	2,161
Weighted average common outstanding shares - diluted (in shares)	2,210	2,171

CONSOLIDATED_STATEMENTS_OF_COM

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (Unaudited) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Mar. 31, 2014
Consolidated Statements Of Comprehensive Income
Net Income	$428	$416
Other Comprehensive Income
Unrealized holding gain on investment securities available for sale, net of tax	528	819
Reclassification adjustment for holding gains included in net income, net of tax	-126
Other Comprehensive Income	402	819
Total Comprehensive Income	$830	$1,235

CONSOLIDATED_STATEMENTS_OF_COM1

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (Unaudited) (Parenthetical) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Mar. 31, 2014
Consolidated Statements Of Comprehensive Income Parenthetical
Unrealized holding gain (loss) on investment securities available for sale, tax	$270	$421
Reclassification adjustment for holding gains included in net income, tax	$65

CONDENSED_CONSOLIDATED_STATEME

CONDENSED CONSOLIDATED STATEMENTS OF STOCKHOLDERS' EQUITY (Unaudited) (USD $)	Preferred Stock [Member]	Common Stock [Member]	Nonvoting Common Stock [Member]	Nonvested Restricted Common 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, 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						416			416
Other comprehensive income loss								819	819
Nonvested restricted stock				12					12
Dividends declared - preferred						-59			-59
Balance at Mar. 31, 2014	11,841	2,293	90	-4	7,933	27,488	-1,882	-263	47,496
Balance (in shares) at Mar. 31, 2014	12	2,293	90				-236
Balance at Dec. 31, 2014	11,841	2,303	90	-107	8,119	28,532	-1,882	670	49,566
Balance (in shares) at Dec. 31, 2014	12	2,303	90				-236
Net income						428			428
Other comprehensive income loss								402	402
Nonvested restricted stock				30					30
Dividends declared - preferred						-59			-59
Balance at Mar. 31, 2015	$11,841	$2,303	$90	($77)	$8,119	$28,901	($1,882)	$1,072	$50,367
Balance (in shares) at Mar. 31, 2015	12	2,303	90				-236

CONSOLIDATED_STATEMENTS_OF_CAS

CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited) (USD $)	3 Months Ended		12 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Mar. 31, 2014	Dec. 31, 2014
OPERATING ACTIVITIES:
Net income	$428	$416
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for loan losses	75
Depreciation	137	137
Amortization and accretion, net	243	216
Provision (benefit) for deferred income tax	-91	77
Gains on sale of assets and investments, net	-191
Restricted stock based compensation plan	30	12
Decrease in carrying value of other real estate owned	3	206	526
Net gain on sale of other real estate owned	-12	-60
Decrease (increase) in cash surrender value of life insurance	-53
Change in other assets	-170	-763
Change in accrued expenses and other liabilities	-220	43
Net cash provided by operating activities	179	284
INVESTING ACTIVITIES:
Proceeds from sales, maturities, and paydowns of investment securities available for sale	11,192	4,109
Purchases of investment securities available for sale		-200
Net change in other investments	-7
Net change in loans receivable	-2,968	3,802
Proceeds from the sale of other real estate owned	383	917
Purchases of premises and equipment, net	-78	-32
Net cash provided by investing activities	8,522	8,596
FINANCING ACTIVITIES:
Net change in deposits	2,374	11,228
Net change in advances from Federal Home Loan Bank	-5	-5
Dividends paid - preferred	-59	-59
Net cash provided by financing activities	2,310	11,164
Net change in cash and cash equivalents	11,011	20,044
Cash and cash equivalents, beginning of period	48,411	29,167	29,167
Cash and cash equivalents at end of period	59,422	49,211	48,411
Supplemental disclosures of cash paid during the period for:
Interest	197	264
Income taxes	20
Supplemental disclosures of noncash transactions:
Real estate acquired through foreclosure	88	410	1,201
Change in unrealized gain (loss) on investment securities available for sale, net of taxes	$402	$819

SUMMARY_OF_SIGNIFICANT_ACCOUNT

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	3 Months Ended
	Mar. 31, 2015
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, 2014. The results of operations for the interim periods reported herein are not necessarily representative of the results expected for the full 2015 fiscal year.
	The consolidated financial statements of the Company for the three month period ended March 31, 2015 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 month period 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, 2014. 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”) issued pursuant to the TARP Community Development Capital Initiative, 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 period 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 amendments 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 and interim periods within annual reporting periods beginning after December 15, 2018. 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.
	In February 2015, the FASB issued guidance which amends the consolidation requirements and significantly changes the consolidation analysis required under U.S. GAAP. Although the amendments are expected to result in the deconsolidation of many entities, the Company will need to reevaluate all its previous consolidation conclusions. The amendments will be effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2015, with early adoption permitted (including during an interim period), provided that the guidance is applied as of the beginning of the annual period containing the adoption date. 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	3 Months Ended
	Mar. 31, 2015
Investments, Debt and Equity Securities [Abstract]
INVESTMENTS	2. INVESTMENTS
	Investment securities available for sale are summarized as follows (in thousands):
	At March 31, 2015		Amortized Cost				Gross Unrealized Gains				Gross Unrealized Losses				Fair Value
	State, county, and municipal securities		$	26,823			$	1,569			$	—			$	28,392
	Mortgage-backed securities			77,782				466				532				77,716
	Corporate securities			9,882				121				—				10,003
	Totals		$	114,487			$	2,156			$	532			$	116,111
	At December 31, 2014		Amortized Cost				Gross Unrealized Gains				Gross Unrealized Losses				Fair Value
	State, county, and municipal securities		$	28,179			$	1,514			$	—			$	29,693
	Mortgage-backed securities			87,548				437				1,070				86,915
	Corporate securities			9,867				136				—				10,003
	Totals		$	125,594			$	2,087			$	1,070			$	126,611
	Investment securities held to maturity are summarized as follows (in thousands):
	At March 31, 2015		Amortized Cost				Gross Unrealized Gains				Gross Unrealized Losses				Fair Value
	State, county, and municipal securities		$	240			$	4			$	—			$	244
	At December 31, 2014		Amortized Cost				Gross Unrealized Gains				Gross Unrealized Losses				Fair Value
	State, county, and municipal securities		$	240			$	3			$	—			$	243
	The amortized costs and fair values of investment securities at March 31, 2015, 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).
			Held to Maturity								Available for Sale
			Amortized				Fair				Amortized				Fair
			Cost				Value				Cost				Value
	Due in one year or less		$	—			$	—			$	4,200			$	4,215
	Due after one year through five years			240				244				10,332				10,615
	Due after five years through ten years			—				—				26,974				28,454
	Due after ten years			—				—				72,981				72,827
			$	240			$	244			$	114,487			$	116,111
	Securities with carrying values of $92,827,000 and $99,299,000 as of March 31, 2015 and December 31, 2014, respectively, were pledged to secure public deposits, FHLB advances and a $22,953,000 line of credit at the Federal Reserve Bank discount window and for other purposes as required by law.
	For the three months ended March 31, 2015, proceeds from the sale of securities was $6,040,000. There were no sale of securities during the three months ended March 31, 2014. Gross realized gains on the sale of securities for the three months ended March 31, 2015 was $191,000. There were no gross realized losses on sales of securities for the three month period ended March 31, 2015 and 2014, 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 March 31, 2015 and December 31, 2014. 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 March 31, 2015
	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				$	13,613			$	(52	)		$	27,627			$	(480	)	$	41,240	$	(532	)
		Total			$	13,613			$	(52	)		$	27,627			$	(480	)	$	41,240	$	(532	)
	Securities Held to Maturity
	There were no securities classified as held to maturity in an unrealized loss position at March 31, 2015.
	At December 31, 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				$	15,384			$	(151	)		$	40,643			$	(919	)	$	56,027	$	(1,070	)
		Total			$	15,384			$	(151	)		$	40,643			$	(919	)	$	56,027	$	(1,070	)
	Securities Held to Maturity
	There were no securities classified as held to maturity in an unrealized loss position at December 31, 2014.
	The Company’s available for sale portfolio had sixteen investment securities at March 31, 2015 that were in an unrealized loss position for longer than twelve months. At December 31, 2014, the Company had twenty-one 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	3 Months Ended
	Mar. 31, 2015
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):
		March 31,			December 31,
		2015			2014
	Commercial, financial, and agricultural	$	37,171		$	33,308
	Commercial Real Estate		114,698			116,437
	Single-Family Residential		32,581			31,940
	Construction and Development		2,902			2,925
	Consumer		6,399			6,428
			193,751			191,038
	Allowance for loan losses		2,226			2,299
		$	191,525		$	188,739
	Activity in the allowance for loan losses for the three months ended March 31, 2015 and 2014 and the year ended December 31, 2014 is summarized as follows (in thousands):
		March 31,  2015			December 31, 2014			March 31,  2014
	Balance at beginning of period	$	2,299		$	3,157		$	3,157
	Provision for loan losses		75			75			—
	Loans charged-off		(235	)		(1,358	)		(200	)
	Recoveries on loans previously charged-off		87			425			112
	Balance at end of period	$	2,226		$	2,299		$	3,069
	Activity in the allowance for loan losses by portfolio segment is summarized as follows (in thousands):
		For the Three Month Period Ended March 31, 2015
		Commercial			Commercial Real Estate			Single-family Residential			Construction & Development			Consumer			Total
	Beginning balance	$	415		$	1,366		$	254		$	72		$	192		$	2,299
	Provision for loan losses		(131	)		(40	)		192			(21	)		75			75
	Loans charged-off		—			(83	)		(97	)		—			(55	)		(235	)
	Recoveries on loans charged-off		5			65			1			1			15			87
	Ending Balance	$	289		$	1,308		$	350		$	52		$	227		$	2,226
		For the Three Month Period Ended March 31, 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		—			—			—			—			—			—
	Loans charged-off		—			(105	)		(52	)		—			(43	)		(200	)
	Recoveries on loans charged-off		10			3			86			—			13			112
	Ending Balance	$	394		$	1,619		$	765		$	126		$	165		$	3,069
		For the Year Ended December 31, 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		(12	)		27			(129	)		69			120			75
	Loans charged-off		(9	)		(562	)		(468	)		(137	)		(182	)		(1,358	)
	Recoveries on loans charged-off		52			180			120			14			59			425
	Ending Balance	$	415		$	1,366		$	254		$	72		$	192		$	2,299
	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 March 31, 2015
		Commercial			Commercial Real Estate			Single-family Residential			Construction & Development			Consumer			Total
	Specific Reserves:
	Impaired loans	$	—		$	218		$	100		$	—		$	—		$	318
	Total specific reserves		—			218			100			—			—			318
	General reserves		289			1,090			250			52			227			1,908
	Total	$	289		$	1,308		$	350		$	52		$	227		$	2,226
	Loans individually evaluated for impairment	$	—		$	9,904		$	425		$	—		$	—		$	10,329
	Loans collectively evaluated for impairment		37,171			104,794			32,156			2,902			6,399			183,422
	Total	$	37,171		$	114,698		$	32,581		$	2,902		$	6,399		$	193,751
		At December 31, 2014
		Commercial			Commercial Real Estate			Single-family Residential			Construction & Development			Consumer			Total
	Specific Reserves:
	Impaired loans	$	—		$	91		$	51		$	—		$	—		$	142
	Total specific reserves		—			91			51			—			—			142
	General reserves		415			1,275			203			72			192			2,157
	Total	$	415		$	1,366		$	254		$	72		$	192		$	2,299
	Loans individually evaluated for impairment	$	—		$	9,787		$	280		$	219		$	—		$	10,286
	Loans collectively evaluated for impairment		33,308			106,650			31,660			2,706			6,428			180,752
	Total	$	33,308		$	116,437		$	31,940		$	2,925		$	6,428		$	191,038
The following table presents impaired loans by class of loan (in thousands):
	At March 31, 2015
										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	$	—		$	—		$	—		$	—		$	—
HELOC’s and equity		135			135			100			311			290
Commercial
Secured		—			—			—			—			—
Unsecured		—			—			—			—			—
Commercial Real Estate:
Owner occupied		598			595			32			7,200			6,879
Non-owner occupied		691			691			139			1,757			1,639
Multi-family		100			100			47			—			—
Construction and Development:
Construction		—			—			—			—			—
Improved Land		—			—			—			—			—
Unimproved Land		—			—			—			—			—
Consumer and Other		—			—			—			—			—
Total	$	1,524		$	1,521		$	318		$	9,268		$	8,808
The following table presents the average recorded investment and interest income recognized on impaired loans by class of loan (in thousands):
	Three Months Ended						Three Months Ended
	31-Mar-15						31-Mar-14
	Average Recorded Investment			Interest Income Recognized			Average Recorded Investment			Interest Income Recognized
Residential:
First mortgages	$	—		$	—		$	231		$	—
HELOC’s and equity		2,916			12			260			9
Commercial:
Secured		—			—			—			—
Unsecured		—			—			—			—
Commercial Real Estate:
Owner occupied		7,409			97			8,523			252
Non-owner occupied		2,407			75			2,104			21
Multi-family		98			15			—			13
Construction and Development:
Construction		—			—			—			—
Improved Land		—			—			—			—
Unimproved Land		—			—			—			—
Consumer and Other		—			—			—			—
Total	$	12,830		$	199		$	11,118		$	295
	At December 31, 2014
	Impaired Loans - With Allowance									Impaired Loans - With no Allowance
	Unpaid Principal			Recorded Investment			Allowance for Loan Losses Allocated			Unpaid Principal			Recorded Investment			Average Recorded Investment			Interest Income Recognized
Residential:
First mortgages	$	—		$	—		$	—		$	—		$	—		$	—		$	—
HELOC's and equity		102			102			51			178			178			86			35
Commercial
Secured		—			—			—			—			—			—			—
Unsecured		—			—			—			—			—			—			—
Commercial Real Estate:
Owner occupied		81			81			81			8,014			7,457			7,575			717
Non-owner occupied		—			—			—			2,388			2,154			2,228			165
Multi-family		95			95			10			—			—			97			69
Construction and Development																				.
Construction		—			—			—			356			219			292			30
Improved Land		—			—			—			—			—			—			—
Unimproved Land		—			—			—			—			—			—			—
Consumer and Other		—			—						—			—			—			—
Total	$	278		$	278		$	142		$	10,936		$	10,008		$	10,278		$	1,016
The following table is an aging analysis of our loan portfolio (in thousands):
	At March 31, 2015
	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	$	818		$	545		$	816		$	2,179		$	21,927		$	24,106		$	—	$	1,743
HELOC’s and equity		259			487			256			1,002			7,473			8,475			—		256
Commercial:
Secured		—			—			—			—			30,282			30,282			—		—
Unsecured		4			—			—			4			6,885			6,889			—		—
Commercial Real Estate:
Owner occupied		1,270			425			852			2,547			55,141			57,688			—		2,239
Non-owner occupied		788			—			317			1,105			44,126			45,231			—		2,129
Multi-family		—			718			100			818			10,961			11,779			—		100
Construction and  Development:
Construction		—			189			—			189			2,593			2,782			—		—
Improved Land		—			—			—			—			120			120			—		—
Consumer and Other		109			—			14			123			6,276			6,399			—		14
Total	$	3,248		$	2,364		$	2,355		$	7,967		$	185,784		$	193,751		$	—	$	6,481
	At December 31, 2014
	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	$	2,273		$	1,190		$	1,036		$	4,499		$	19,960		$	24,459		$	35	$	1,513
HELOC’s and equity		60			550			184			794			6,687			7,481			—		286
Commercial:
Secured		—			187			—			187			28,232			28,419			—		—
Unsecured		—			—			—			—			4,889			4,889			—		—
Commercial Real Estate:
Owner occupied		767			—			228			995			59,065			60,060			—		1,222
Non-owner occupied		1,429			588			84			2,101			42,425			44,526			—		1,026
Multi-family		35			327			95			457			11,394			11,851			—		95
Construction and  Development:
Construction		—			—			—			—			2,759			2,759			—		—
Improved Land		103			—			—			103			63			166			—		—
Consumer and Other		6			22			18			46			6,382			6,428			—		18
Total	$	4,673		$	2,864		$	1,645		$	9,182		$	181,856		$	191,038		$	35	$	4,160
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 is 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 has 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 March 31, 2015
	Total			Pass Credits			Special Mention			Substandard			Doubtful
Single-Family Residential:
First mortgages	$	24,106		$	22,594		$	151		$	1,361		$	—
HELOC’s and equity		8,475			7,310			548			536			81
Commercial, financial, and agricultural:
Secured		30,282			30,282			—			—			—
Unsecured		6,889			6,889			—			—			—
Commercial Real Estate:
Owner occupied		57,688			48,313			4,686			4,689			—
Non-owner occupied		45,231			38,450			4,486			2,249			46
Multi-family		11,779			10,286			1,362			131			—
Construction and Development:
Construction		2,782			2,782			—			—			—
Improved Land		120			120			—			—			—
Consumer		6,399			6,300			—			88			11
Total	$	193,751		$	173,326		$	11,233		$	9,054		$	138
	At December 31, 2014
	Total			Pass Credits			Special Mention			Substandard			Doubtful
Single-Family Residential:
First mortgages	$	24,459		$	22,168		$	—		$	2,291		$	—
HELOC’s and equity		7,481			6,346			557			476			102
Commercial, financial, and agricultural:
Secured		28,419			28,419			—			—			—
Unsecured		4,889			4,889			—			—			—
Commercial Real Estate:
Owner occupied		60,060			50,603			4,673			4,702			82
Non-owner occupied		44,526			37,750			4,805			1,971			—
Multi-family		11,851			10,353			1,368			130			—
Construction and Development:
Construction		2,759			2,540			—			219			—
Improved Land		166			127			39			—			—
Unimproved Land		—			—			—			—			—
Consumer		6,428			6,392			5			13			18
Total	$	191,038		$	169,587		$	11,447		$	9,802		$	202
During the three months ended March 31, 2015, the bank modified two loans that were considered to be troubled debt restructurings. During the three months ended March 31, 2014, the Bank modified no loans that were considered to be troubled debt restructurings. We extended the terms and decreased the interest rate on both loans (dollars in thousands).
	Three Months Ended March 31, 2015
	Number of Loans			Pre-Modification Recorded Investment			Post-Modification Recorded Investment
Troubled Debt Restructurings
Residential:
Residential mortgages		2		$	34		$	34
Total		2		$	34		$	34
There were no loans restructured during the last twelve months that have experienced payment default subsequent to restructuring during the three months ended March 31, 2015 and 2014, 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	3 Months Ended
	Mar. 31, 2015
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 March 31, 2015 and December 31, 2014, 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 March 31, 2015
						Quoted Prices
						In Active			Significant
			Assets			Markets for			Other		Significant
			Measured			Identical			Observable		Unobservable
			at			Assets			Inputs		Inputs
			Fair Value			(Level 1)			(Level 2)		(Level 3)
	Recurring Basis:
	Assets
	Securities available for sale:
	State, county, and municipal securities		$	28,392		$	—		$	28,392	$	—
	Mortgage-backed securities			77,716			—			77,716		—
	Corporate securities			10,003			—			10,003		—
				116,111			—			116,111		—
	Nonrecurring Basis:
	Assets
	Impaired loans:
	Commercial Real Estate		$	9,686		$	—		$	—	$	9,686
	Single-family Residential			325			—			—		325
	Other real estate owned			4,382			—			—		4,382
				14,393			—			—		14,393
			Fair Value Measurements at December 31, 2014
						Quoted Prices
						In Active			Significant
			Assets			Markets for			Other		Significant
			Measured			Identical			Observable		Unobservable
			at			Assets			Inputs		Inputs
			Fair Value			(Level 1)			(Level 2)		(Level 3)
	Recurring Basis:
	Assets
	Securities available for sale:
	State, county, and municipal securities		$	29,693		$	—		$	29,693	$	—
	Mortgage-backed securities			86,915			—			86,915		—
	Corporate securities			10,003			—			10,003		—
				126,611			—			126,611		—
	Nonrecurring Basis:
	Assets
	Impaired loans:
	Commercial Real Estate		$	9,696		$	—		$	—	$	9,696
	Single-family Residential			229			—			—		229
	Construction and Development			219			—			—		219
	Other real estate owned			4,668			—			—		4,668
				14,812			—			—		14,812
	For Level 3 assets and liabilities measured at fair value on a recurring or non-recurring basis as of March 31, 2015, the significant unobservable inputs used in the fair value measurements were as follows (dollars in thousands):
			Fair Value at		Valuation	Unobservable
	(Dollars in thousands)		31-Mar-15		Technique	Inputs		Range
	Impaired Loans:
		Commercial Real Estate	$     9,686		Appraised Value	Negative adjustment for selling costs and changes in market conditions since appraisal		5% - 20%
		Single-family Residential	$        325		Appraised Value	Negative adjustment for selling costs and changes in market conditions since appraisal		5% - 20%
	OREO		$    4,382		Appraised Value	Negative adjustment for selling costs and changes in market conditions since appraisal		5% - 20%
	As of December 31, 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)		31-Dec-14		Technique	Inputs		Range
	Impaired Loans:
	Commercial Real Estate	$     9,696		Appraised Value	Negative adjustment for selling costs and changes in market conditions since appraisal		5% - 20%
	Single-family Residential	$        229		Appraised Value	Negative adjustment for selling costs and changes in market conditions since appraisal		5% - 20%
	Construction & Development	$        219		Appraised Value	Negative adjustment for selling costs and changes in market conditions since appraisal		5% - 20%
OREO		$     4,668		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 March 31, 2015 (in thousands):
		31-Mar-15
		Fair Value Measurements
		Carrying
		Amount			Total			Level 1		Level 2		Level 3
Financial assets:
Cash and due from banks		$	2,995		$	2,995		$	2,995	$	—	$	—
Interest-bearing deposits with banks			56,427			56,427			56,427		—		—
Certificates of deposit			350			350			350		—		—
Investment securities			116,351			116,355			—		116,355		—
Other investments			799			799			799		—		—
Loans-net			191,525			190,889			—		—		190,889
Cash surrender value of life insurance			10,135			10,135			10,135		—		—
Financial liabilities:
Deposits			343,262			343,881			217,998		125,883		—
Advances from Federal Home Loan Bank			249			249			—		249		—
		Notional			Estimated
		Amount			Fair Value
Off-balance-sheet financial instruments:
Commitments to extend credit		$	20,502		$	—
Commercial letters of credit			2,027			—
The carrying values and estimated fair values of the Company’s financial instruments at December 31, 2014 are as follows:
		31-Dec-14
		Fair Value Measurements
		Carrying
		Amount			Total			Level 1		Level 2		Level 3
Financial assets:
Cash and due from banks		$	2,758		$	2,758		$	2,758	$	—	$	—
Interest-bearing deposits with banks			45,653			45,653			45,653		—		—
Certificates of deposit			350			350			350		—		—
Investment securities			126,851			126,854			—		126,854		—
Other investments			792			792			792		—		—
Loans-net			188,739			188,195			—		—		188,195
Cash surrender value of life insurance			10,082			10,082			10,082		—		—
Financial liabilities:
Deposits			340,889			341,719			201,994		139,725		—
Advances from Federal Home Loan Bank			254			254			—		254		—
		Notional			Estimated
		Amount			Fair Value
Off-balance-sheet financial instruments:
Commitments to extend credit		$	26,833		$	—
Commercial letters of credit			2,027			—

OTHER_REAL_ESTATE_OWNED

OTHER REAL ESTATE OWNED	3 Months Ended
	Mar. 31, 2015
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):
		March 31,			December 31,
		2015			2014
	Balance—beginning of period	$	4,668		$	7,404
	Additions		88			1,201
	Sales		(371	)		(3,411	)
	Write downs		(3	)		(526	)
	Balance—end of period	$	4,382		$	4,668

INTANGIBLE_ASSETS

INTANGIBLE ASSETS	3 Months Ended
	Mar. 31, 2015
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):
		31-Mar-15				31-Dec-14
		Gross Carrying Amount		Accumulated Amortization		Gross Carrying Amount		Accumulated Amortization
	Unamortized intangible asset:
	Goodwill	$	362	$	—	$	362	$	—
	Amortized intangible assets:
	Core deposit intangibles	$	3,303	$	2,832	$	3,303	$	2,714
	The following table presents information about aggregate amortization expense (in thousands):
		Three months ended
		March 31,
		2015		2014
	Aggregate amortization expense of core deposit intangibles:	$	118	$	118
	Estimated aggregate amortization expense of core deposit intangibles for the years ending December 31:
	2015	$	472
	2016	$	117
	2017 and thereafter	$	—

NET_INCOME_PER_COMMON_AND_COMM

NET INCOME PER COMMON AND COMMON EQUIVALENT SHARE	3 Months Ended
	Mar. 31, 2015
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. For the three months ended March 31, 2015 and 2014, 32,777 and 49,277 options, respectively, were excluded from computation of diluted earnings per share because the exercise prices were greater than the average market price of the Company’s stock during the period. For the three months ended March 31, 2015, 16,500 options were dilutive and were therefore included in the computation of diluted earnings per share. There were no dilutive options for the same period in prior year. 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 months ended March 31, 2015 and 2014 (in thousands, except per share data):
		Net Income		Shares		Per Share
		(Numerator)		(Denominator)		Amount
	Three Months ended March 31, 2015
	Basic earnings per share available to common stockholders	$	369		2,194	$	0.17
	Nonvested restricted stock grant		—		16		—
	Effect of dilutive securities: options to purchase common shares		—		—		—
	Diluted earnings per share	$	369		2,210	$	0.17
	Three Months ended March 31, 2014
	Basic earnings per share available to common stockholders	$	357		2,161	$	0.17
	Nonvested restricted stock grant		—		10		(0.01	)
	Effect of dilutive securities: options to purchase common shares		—		—		—
	Diluted earnings per share	$	357		2,171	$	0.16

SUBSEQUENT_EVENTS

SUBSEQUENT EVENTS	3 Months Ended
	Mar. 31, 2015
Subsequent Events [Abstract]
SUBSEQUENT EVENTS	8. SUBSEQUENT EVENTS
	The Company evaluated subsequent events through the date its financial statements were issued.

RECLASSIFICATIONS

RECLASSIFICATIONS	3 Months Ended
	Mar. 31, 2015
Accounting Changes and Error Corrections [Abstract]
RECLASSIFICATIONS	9. RECLASSIFICATIONS
	Certain amounts in the 2014 consolidated financial statements were reclassified to conform to the 2015 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)	3 Months Ended
	Mar. 31, 2015
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, 2014. The results of operations for the interim periods reported herein are not necessarily representative of the results expected for the full 2015 fiscal year.
	The consolidated financial statements of the Company for the three month period ended March 31, 2015 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 month period 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, 2014. 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”) issued pursuant to the TARP Community Development Capital Initiative, 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 period 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 amendments 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 and interim periods within annual reporting periods beginning after December 15, 2018. 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.
	In February 2015, the FASB issued guidance which amends the consolidation requirements and significantly changes the consolidation analysis required under U.S. GAAP. Although the amendments are expected to result in the deconsolidation of many entities, the Company will need to reevaluate all its previous consolidation conclusions. The amendments will be effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2015, with early adoption permitted (including during an interim period), provided that the guidance is applied as of the beginning of the annual period containing the adoption date. 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)	3 Months Ended
	Mar. 31, 2015
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 March 31, 2015		Amortized Cost				Gross Unrealized Gains				Gross Unrealized Losses				Fair Value
	State, county, and municipal securities		$	26,823			$	1,569			$	—			$	28,392
	Mortgage-backed securities			77,782				466				532				77,716
	Corporate securities			9,882				121				—				10,003
	Totals		$	114,487			$	2,156			$	532			$	116,111
	At December 31, 2014		Amortized Cost				Gross Unrealized Gains				Gross Unrealized Losses				Fair Value
	State, county, and municipal securities		$	28,179			$	1,514			$	—			$	29,693
	Mortgage-backed securities			87,548				437				1,070				86,915
	Corporate securities			9,867				136				—				10,003
	Totals		$	125,594			$	2,087			$	1,070			$	126,611
Schedule of investment securities held to maturity	Investment securities held to maturity are summarized as follows (in thousands):
	At March 31, 2015		Amortized Cost				Gross Unrealized Gains				Gross Unrealized Losses				Fair Value
	State, county, and municipal securities		$	240			$	4			$	—			$	244
	At December 31, 2014		Amortized Cost				Gross Unrealized Gains				Gross Unrealized Losses				Fair Value
	State, county, and municipal securities		$	240			$	3			$	—			$	243
Schedule of amortized costs and fair values of investment securities, by contractual maturity	The amortized costs and fair values of investment securities at March 31, 2015, 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).
			Held to Maturity								Available for Sale
			Amortized				Fair				Amortized				Fair
			Cost				Value				Cost				Value
	Due in one year or less		$	—			$	—			$	4,200			$	4,215
	Due after one year through five years			240				244				10,332				10,615
	Due after five years through ten years			—				—				26,974				28,454
	Due after ten years			—				—				72,981				72,827
			$	240			$	244			$	114,487			$	116,111
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	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 March 31, 2015
	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				$	13,613			$	(52	)		$	27,627			$	(480	)	$	41,240	$	(532	)
		Total			$	13,613			$	(52	)		$	27,627			$	(480	)	$	41,240	$	(532	)
	Securities Held to Maturity
	There were no securities classified as held to maturity in an unrealized loss position at March 31, 2015.
	At December 31, 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				$	15,384			$	(151	)		$	40,643			$	(919	)	$	56,027	$	(1,070	)
		Total			$	15,384			$	(151	)		$	40,643			$	(919	)	$	56,027	$	(1,070	)

LOANS_RECEIVABLE_AND_ALLOWANCE1

LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES (Tables)	3 Months Ended
	Mar. 31, 2015
Loans and Leases Receivable Disclosure [Abstract]
Summary of loans outstanding, by classification	Loans outstanding, by classification, are summarized as follows (in thousands):
		March 31,			December 31,
		2015			2014
	Commercial, financial, and agricultural	$	37,171		$	33,308
	Commercial Real Estate		114,698			116,437
	Single-Family Residential		32,581			31,940
	Construction and Development		2,902			2,925
	Consumer		6,399			6,428
			193,751			191,038
	Allowance for loan losses		2,226			2,299
		$	191,525		$	188,739
Summary of activity in allowance for loan losses	Activity in the allowance for loan losses for the three months ended March 31, 2015 and 2014 and the year ended December 31, 2014 is summarized as follows (in thousands):
		March 31,			December 31,			March 31,
		2015			2014			2014
	Balance at beginning of period	$	2,299		$	3,157		$	3,157
	Provision for loan losses		75			75			—
	Loans charged-off		(235	)		(1,358	)		(200	)
	Recoveries on loans previously charged-off		87			425			112
	Balance at end of period	$	2,226		$	2,299		$	3,069
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 March 31, 2015
		Commercial			Commercial Real Estate			Single-family Residential			Construction & Development			Consumer			Total
	Beginning balance	$	415		$	1,366		$	254		$	72		$	192		$	2,299
	Provision for loan losses		(131	)		(40	)		192			(21	)		75			75
	Loans charged-off		—			(83	)		(97	)		—			(55	)		(235	)
	Recoveries on loans charged-off		5			65			1			1			15			87
	Ending Balance	$	289		$	1,308		$	350		$	52		$	227		$	2,226
		For the Three Month Period Ended March 31, 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		—			—			—			—			—			—
	Loans charged-off		—			(105	)		(52	)		—			(43	)		(200	)
	Recoveries on loans charged-off		10			3			86			—			13			112
	Ending Balance	$	394		$	1,619		$	765		$	126		$	165		$	3,069
		For the Year Ended December 31, 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		(12	)		27			(129	)		69			120			75
	Loans charged-off		(9	)		(562	)		(468	)		(137	)		(182	)		(1,358	)
	Recoveries on loans charged-off		52			180			120			14			59			425
	Ending Balance	$	415		$	1,366		$	254		$	72		$	192		$	2,299
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 March 31, 2015
		Commercial			Commercial Real Estate			Single-family Residential			Construction & Development			Consumer			Total
	Specific Reserves:
	Impaired loans	$	—		$	218		$	100		$	—		$	—		$	318
	Total specific reserves		—			218			100			—			—			318
	General reserves		289			1,090			250			52			227			1,908
	Total	$	289		$	1,308		$	350		$	52		$	227		$	2,226
	Loans individually evaluated for impairment	$	—		$	9,904		$	425		$	—		$	—		$	10,329
	Loans collectively evaluated for impairment		37,171			104,794			32,156			2,902			6,399			183,422
	Total	$	37,171		$	114,698		$	32,581		$	2,902		$	6,399		$	193,751
		At December 31, 2014
		Commercial			Commercial Real Estate			Single-family Residential			Construction & Development			Consumer			Total
	Specific Reserves:
	Impaired loans	$	—		$	91		$	51		$	—		$	—		$	142
	Total specific reserves		—			91			51			—			—			142
	General reserves		415			1,275			203			72			192			2,157
	Total	$	415		$	1,366		$	254		$	72		$	192		$	2,299
	Loans individually evaluated for impairment	$	—		$	9,787		$	280		$	219		$	—		$	10,286
	Loans collectively evaluated for impairment		33,308			106,650			31,660			2,706			6,428			180,752
	Total	$	33,308		$	116,437		$	31,940		$	2,925		$	6,428		$	191,038
Schedule of impaired loans by class of loan	The following table presents impaired loans by class of loan (in thousands):
		At March 31, 2015
											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	$	—		$	—		$	—		$	—		$	—
	HELOC’s and equity		135			135			100			311			290
	Commercial
	Secured		—			—			—			—			—
	Unsecured		—			—			—			—			—
	Commercial Real Estate:
	Owner occupied		598			595			32			7,200			6,879
	Non-owner occupied		691			691			139			1,757			1,639
	Multi-family		100			100			47			—			—
	Construction and Development:
	Construction		—			—			—			—			—
	Improved Land		—			—			—			—			—
	Unimproved Land		—			—			—			—			—
	Consumer and Other		—			—			—			—			—
	Total	$	1,524		$	1,521		$	318		$	9,268		$	8,808
	The following table presents the average recorded investment and interest income recognized on impaired loans by class of loan (in thousands):
		Three Months Ended						Three Months Ended
		31-Mar-15						31-Mar-14
		Average Recorded Investment			Interest Income Recognized			Average Recorded Investment			Interest Income Recognized
	Residential:
	First mortgages	$	—		$	—		$	231		$	—
	HELOC’s and equity		2,916			12			260			9
	Commercial:
	Secured		—			—			—			—
	Unsecured		—			—			—			—
	Commercial Real Estate:
	Owner occupied		7,409			97			8,523			252
	Non-owner occupied		2,407			75			2,104			21
	Multi-family		98			15			—			13
	Construction and Development:
	Construction		—			—			—			—
	Improved Land		—			—			—			—
	Unimproved Land		—			—			—			—
	Consumer and Other		—			—			—			—
	Total	$	12,830		$	199		$	11,118		$	295
		At December 31, 2014
		Impaired Loans - With Allowance									Impaired Loans - With no Allowance
		Unpaid Principal			Recorded Investment			Allowance for Loan Losses Allocated			Unpaid Principal			Recorded Investment			Average Recorded Investment			Interest Income Recognized
	Residential:
	First mortgages	$	—		$	—		$	—		$	—		$	—		$	—		$	—
	HELOC's and equity		102			102			51			178			178			86			35
	Commercial
	Secured		—			—			—			—			—			—			—
	Unsecured		—			—			—			—			—			—			—
	Commercial Real Estate:
	Owner occupied		81			81			81			8,014			7,457			7,575			717
	Non-owner occupied		—			—			—			2,388			2,154			2,228			165
	Multi-family		95			95			10			—			—			97			69
	Construction and Development																				.
	Construction		—			—			—			356			219			292			30
	Improved Land		—			—			—			—			—			—			—
	Unimproved Land		—			—			—			—			—			—			—
	Consumer and Other		—			—						—			—			—			—
	Total	$	278		$	278		$	142		$	10,936		$	10,008		$	10,278		$	1,016
Schedule of aging analysis of loan portfolio	The following table is an aging analysis of our loan portfolio (in thousands):
		At March 31, 2015
		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	$	818		$	545		$	816		$	2,179		$	21,927		$	24,106		$	—	$	1,743
	HELOC’s and equity		259			487			256			1,002			7,473			8,475			—		256
	Commercial:
	Secured		—			—			—			—			30,282			30,282			—		—
	Unsecured		4			—			—			4			6,885			6,889			—		—
	Commercial Real Estate:
	Owner occupied		1,270			425			852			2,547			55,141			57,688			—		2,239
	Non-owner occupied		788			—			317			1,105			44,126			45,231			—		2,129
	Multi-family		—			718			100			818			10,961			11,779			—		100
	Construction and  Development:
	Construction		—			189			—			189			2,593			2,782			—		—
	Improved Land		—			—			—			—			120			120			—		—
	Consumer and Other		109			—			14			123			6,276			6,399			—		14
	Total	$	3,248		$	2,364		$	2,355		$	7,967		$	185,784		$	193,751		$	—	$	6,481
		At December 31, 2014
		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	$	2,273		$	1,190		$	1,036		$	4,499		$	19,960		$	24,459		$	35	$	1,513
	HELOC’s and equity		60			550			184			794			6,687			7,481			—		286
	Commercial:
	Secured		—			187			—			187			28,232			28,419			—		—
	Unsecured		—			—			—			—			4,889			4,889			—		—
	Commercial Real Estate:
	Owner occupied		767			—			228			995			59,065			60,060			—		1,222
	Non-owner occupied		1,429			588			84			2,101			42,425			44,526			—		1,026
	Multi-family		35			327			95			457			11,394			11,851			—		95
	Construction and  Development:
	Construction		—			—			—			—			2,759			2,759			—		—
	Improved Land		103			—			—			103			63			166			—		—
	Consumer and Other		6			22			18			46			6,382			6,428			—		18
	Total	$	4,673		$	2,864		$	1,645		$	9,182		$	181,856		$	191,038		$	35	$	4,160
Schedule of loan portfolio by risk rating	The following table presents our loan portfolio by risk rating (in thousands):
		At March 31, 2015
		Total			Pass Credits			Special Mention			Substandard			Doubtful
	Single-Family Residential:
	First mortgages	$	24,106		$	22,594		$	151		$	1,361		$	—
	HELOC’s and equity		8,475			7,310			548			536			81
	Commercial, financial, and agricultural:
	Secured		30,282			30,282			—			—			—
	Unsecured		6,889			6,889			—			—			—
	Commercial Real Estate:
	Owner occupied		57,688			48,313			4,686			4,689			—
	Non-owner occupied		45,231			38,450			4,486			2,249			46
	Multi-family		11,779			10,286			1,362			131			—
	Construction and Development:
	Construction		2,782			2,782			—			—			—
	Improved Land		120			120			—			—			—
	Consumer		6,399			6,300			—			88			11
	Total	$	193,751		$	173,326		$	11,233		$	9,054		$	138
		At December 31, 2014
		Total			Pass Credits			Special Mention			Substandard			Doubtful
	Single-Family Residential:
	First mortgages	$	24,459		$	22,168		$	—		$	2,291		$	—
	HELOC’s and equity		7,481			6,346			557			476			102
	Commercial, financial, and agricultural:
	Secured		28,419			28,419			—			—			—
	Unsecured		4,889			4,889			—			—			—
	Commercial Real Estate:
	Owner occupied		60,060			50,603			4,673			4,702			82
	Non-owner occupied		44,526			37,750			4,805			1,971			—
	Multi-family		11,851			10,353			1,368			130			—
	Construction and Development:
	Construction		2,759			2,540			—			219			—
	Improved Land		166			127			39			—			—
	Unimproved Land		—			—			—			—			—
	Consumer		6,428			6,392			5			13			18
	Total	$	191,038		$	169,587		$	11,447		$	9,802		$	202
Schedule of troubled debt restructurings	During the three months ended March 31, 2015, the bank modified two loans that were considered to be troubled debt restructurings. During the three months ended March 31, 2014, the Bank modified no loans that were considered to be troubled debt restructurings. We extended the terms and decreased the interest rate on both loans (dollars in thousands).
		Three Months Ended March 31, 2015
		Number of Loans			Pre-Modification Recorded Investment			Post-Modification Recorded Investment
	Troubled Debt Restructurings
	Residential:
	Residential mortgages		2		$	34		$	34
	Total		2		$	34		$	34

FAIR_VALUE_OF_FINANCIAL_INSTRU1

FAIR VALUE OF FINANCIAL INSTRUMENTS (Tables)	3 Months Ended
	Mar. 31, 2015
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 March 31, 2015
						Quoted Prices
						In Active			Significant
			Assets			Markets for			Other		Significant
			Measured			Identical			Observable		Unobservable
			at			Assets			Inputs		Inputs
			Fair Value			(Level 1)			(Level 2)		(Level 3)
	Recurring Basis:
	Assets
	Securities available for sale:
	State, county, and municipal securities		$	28,392		$	—		$	28,392	$	—
	Mortgage-backed securities			77,716			—			77,716		—
	Corporate securities			10,003			—			10,003		—
				116,111			—			116,111		—
	Nonrecurring Basis:
	Assets
	Impaired loans:
	Commercial Real Estate		$	9,686		$	—		$	—	$	9,686
	Single-family Residential			325			—			—		325
	Other real estate owned			4,382			—			—		4,382
				14,393			—			—		14,393
			Fair Value Measurements at December 31, 2014
						Quoted Prices
						In Active			Significant
			Assets			Markets for			Other		Significant
			Measured			Identical			Observable		Unobservable
			at			Assets			Inputs		Inputs
			Fair Value			(Level 1)			(Level 2)		(Level 3)
	Recurring Basis:
	Assets
	Securities available for sale:
	State, county, and municipal securities		$	29,693		$	—		$	29,693	$	—
	Mortgage-backed securities			86,915			—			86,915		—
	Corporate securities			10,003			—			10,003		—
				126,611			—			126,611		—
	Nonrecurring Basis:
	Assets
	Impaired loans:
	Commercial Real Estate		$	9,696		$	—		$	—	$	9,696
	Single-family Residential			229			—			—		229
	Construction and Development			219			—			—		219
	Other real estate owned			4,668			—			—		4,668
				14,812			—			—		14,812
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 March 31, 2015, the significant unobservable inputs used in the fair value measurements were as follows (dollars in thousands):
			Fair Value at		Valuation	Unobservable
	(Dollars in thousands)		31-Mar-15		Technique	Inputs		Range
	Impaired Loans:
		Commercial Real Estate	$     9,686		Appraised Value	Negative adjustment for selling costs and changes in market conditions since appraisal		5% - 20%
		Single-family Residential	$        325		Appraised Value	Negative adjustment for selling costs and changes in market conditions since appraisal		5% - 20%
	OREO		$    4,382		Appraised Value	Negative adjustment for selling costs and changes in market conditions since appraisal		5% - 20%
	As of December 31, 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)		31-Dec-14		Technique	Inputs		Range
	Impaired Loans:
		Commercial Real Estate	$     9,696		Appraised Value	Negative adjustment for selling costs and changes in market conditions since appraisal		5% - 20%
		Single-family Residential	$        229		Appraised Value	Negative adjustment for selling costs and changes in market conditions since appraisal		5% - 20%
		Construction & Development	$        219		Appraised Value	Negative adjustment for selling costs and changes in market conditions since appraisal		5% - 20%
	OREO		$     4,668		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 March 31, 2015 (in thousands):
			31-Mar-15
			Fair Value Measurements
			Carrying
			Amount			Total			Level 1		Level 2		Level 3
	Financial assets:
	Cash and due from banks		$	2,995		$	2,995		$	2,995	$	—	$	—
	Interest-bearing deposits with banks			56,427			56,427			56,427		—		—
	Certificates of deposit			350			350			350		—		—
	Investment securities			116,351			116,355			—		116,355		—
	Other investments			799			799			799		—		—
	Loans-net			191,525			190,889			—		—		190,889
	Cash surrender value of life insurance			10,135			10,135			10,135		—		—
	Financial liabilities:
	Deposits			343,262			343,881			217,998		125,883		—
	Advances from Federal Home Loan Bank			249			249			—		249		—
			Notional			Estimated
			Amount			Fair Value
	Off-balance-sheet financial instruments:
	Commitments to extend credit		$	20,502		$	—
	Commercial letters of credit			2,027			—
	The carrying values and estimated fair values of the Company’s financial instruments at December 31, 2014 are as follows:
			31-Dec-14
			Fair Value Measurements
			Carrying
			Amount			Total			Level 1		Level 2		Level 3
	Financial assets:
	Cash and due from banks		$	2,758		$	2,758		$	2,758	$	—	$	—
	Interest-bearing deposits with banks			45,653			45,653			45,653		—		—
	Certificates of deposit			350			350			350		—		—
	Investment securities			126,851			126,854			—		126,854		—
	Other investments			792			792			792		—		—
	Loans-net			188,739			188,195			—		—		188,195
	Cash surrender value of life insurance			10,082			10,082			10,082		—		—
	Financial liabilities:
	Deposits			340,889			341,719			201,994		139,725		—
	Advances from Federal Home Loan Bank			254			254			—		254		—
			Notional			Estimated
			Amount			Fair Value
	Off-balance-sheet financial instruments:
	Commitments to extend credit		$	26,833		$	—
	Commercial letters of credit			2,027			—

OTHER_REAL_ESTATE_OWNED_Tables

OTHER REAL ESTATE OWNED (Tables)	3 Months Ended
	Mar. 31, 2015
Real Estate [Abstract]
Summary of transactions in other real estate owned	Transactions in other real estate owned are summarized below (in thousands):
		March 31,			December 31,
		2015			2014
	Balance—beginning of period	$	4,668		$	7,404
	Additions		88			1,201
	Sales		(371	)		(3,411	)
	Write downs		(3	)		(526	)
	Balance—end of period	$	4,382		$	4,668

INTANGIBLE_ASSETS_Tables

INTANGIBLE ASSETS (Tables)	3 Months Ended
	Mar. 31, 2015
Goodwill and Intangible Assets Disclosure [Abstract]
Schedule of intangible assets	The following table presents information about the Company’s intangible assets (in thousands):
		31-Mar-15				31-Dec-14
		Gross Carrying Amount		Accumulated Amortization		Gross Carrying Amount		Accumulated Amortization
	Unamortized intangible asset:
	Goodwill	$	362	$	—	$	362	$	—
	Amortized intangible assets:
	Core deposit intangibles	$	3,303	$	2,832	$	3,303	$	2,714
Schedule of aggregate amortization expense	The following table presents information about aggregate amortization expense (in thousands):
		Three months ended
		March 31,
		2015		2014
	Aggregate amortization expense of core deposit intangibles:	$	118	$	118
	Estimated aggregate amortization expense of core deposit intangibles for the years ending December 31:
	2015	$	472
	2016	$	117
	2017 and thereafter	$	—

NET_INCOME_PER_COMMON_AND_COMM1

NET INCOME PER COMMON AND COMMON EQUIVALENT SHARE (Tables)	3 Months Ended
	Mar. 31, 2015
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	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 months ended March 31, 2015 and 2014 (in thousands, except per share data):
		Net Income		Shares		Per Share
		(Numerator)		(Denominator)		Amount
	Three Months ended March 31, 2015
	Basic earnings per share available to common stockholders	$	369		2,194	$	0.17
	Nonvested restricted stock grant		—		16		—
	Effect of dilutive securities: options to purchase common shares		—		—		—
	Diluted earnings per share	$	369		2,210	$	0.17
	Three Months ended March 31, 2014
	Basic earnings per share available to common stockholders	$	357		2,161	$	0.17
	Nonvested restricted stock grant		—		10		(0.01	)
	Effect of dilutive securities: options to purchase common shares		—		—		—
	Diluted earnings per share	$	357		2,171	$	0.16

SUMMARY_OF_SIGNIFICANT_ACCOUNT2

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Details Narrative) (USD $)	0 Months Ended	3 Months Ended
In Thousands, except Share data, unless otherwise specified	Aug. 13, 2010	Mar. 31, 2015	Dec. 31, 2014	Sep. 17, 2010
Series B Preferred Stock [Member]
Class of Stock [Line Items]
Number of preferred shares issued	7,462	7,462	7,462
Monetary consideration exchanged in connection with the Exchange Transaction	$1
Series A Preferred Stock [Member]
Class of Stock [Line Items]
Number of preferred shares exchanged	7,462
Monetary consideration exchanged in connection with the Exchange Transaction	$1
Series B and Series C Preferred Stock [Member]
Class of Stock [Line Items]
Number of preferred shares issued				11,841
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%
Series C Preferred Stock [Member]
Class of Stock [Line Items]
Number of preferred shares issued		4,379	4,379	4,379

INVESTMENTS_Details

INVESTMENTS (Details) (USD $)	3 Months Ended	12 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Dec. 31, 2014
Amortized Cost	$114,487	$125,594
Gross Unrealized Gains	2,156	2,087
Gross Unrealized Losses	532	1,070
Total	116,111	126,611
State, county and municipal securities [Member]
Amortized Cost	26,823	28,179
Gross Unrealized Gains	1,569	1,514
Gross Unrealized Losses
Total	28,392	29,693
Mortgage Backed Securities [Member]
Amortized Cost	77,782	87,548
Gross Unrealized Gains	466	437
Gross Unrealized Losses	532	1,070
Total	77,716	86,915
Corporate Securities [Member]
Amortized Cost	9,882	9,867
Gross Unrealized Gains	121	136
Gross Unrealized Losses
Total	$10,003	$10,003

INVESTMENTS_Details_2

INVESTMENTS (Details 2) (USD $)	3 Months Ended	12 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Dec. 31, 2014
Amortized Cost	$240	$240
Fair Value	244
State, county and municipal securities [Member]
Amortized Cost	240	240
Gross Unrealized Gains	4	3
Fair Value	$244	$243

INVESTMENTS_Details_3

INVESTMENTS (Details 3) (USD $)	Mar. 31, 2015	Dec. 31, 2014
In Thousands, unless otherwise specified
Available for Sale, Amortized Cost
Due in one year or less	$4,200
Due after one year through five years	10,332
Due after five years through ten years	26,974
Due after ten years	72,981
Total	114,487
Available for Sale, Fair Value
Due in one year or less	4,215
Due after one year through five years	10,615
Due after five years through ten years	28,454
Due after ten years	72,827
Total	116,111	126,611
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
Total	240	240
Held to Maturity, Fair Value
Due in one year or less
Due after one year through five years	244
Due after five years through ten years
Due after ten years
Total	$244

INVESTMENTS_Details_4

INVESTMENTS (Details 4) (USD $)	3 Months Ended	12 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Dec. 31, 2014
Available-for-sale securities
Less Than 12 Months, Fair Value	$13,613	$15,384
Less Than 12 Months, Unrealized Losses	-52	-151
12 Months Or Longer, Fair Value	27,627	40,643
12 Months Or Longer, Unrealized Losses	-480	-919
Total Fair Value	41,240	56,027
Total Unrealized Losses	-532	-1,070
Mortgage Backed Securities [Member]
Available-for-sale securities
Less Than 12 Months, Fair Value	13,613	15,384
Less Than 12 Months, Unrealized Losses	-52	-151
12 Months Or Longer, Fair Value	27,627	40,643
12 Months Or Longer, Unrealized Losses	-480	-919
Total Fair Value	41,240	56,027
Total Unrealized Losses	($532)	($1,070)

INVESTMENTS_Details_Narrative

INVESTMENTS (Details Narrative) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Dec. 31, 2014
	Number	Number
Securities pledged as collateral
Securities pledged to secure public funds on deposit and for other purposes as required by law, FHLB advances	$92,827	$99,299
Line of credit at Federal Reserve Bank discount window	22,953
Gross realized gains (losses) on securities
Proceeds from sale of securities	6,040
Gross realized gains	$191
Number of securities unrealized loss position for longer than twelve months	16	21

LOANS_RECEIVABLE_AND_ALLOWANCE2

LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES (Details) (USD $)	Mar. 31, 2015	Dec. 31, 2014
In Thousands, unless otherwise specified
Loans, gross	$193,751	$191,038
Allowance for loan losses	2,226	2,299
Loans, net	191,525	188,739
Commercial Financial and Agricultural Portfolio Segment [Member]
Loans, gross	37,171	33,308
Commercial Real Estate Portfolio Segment [Member]
Loans, gross	114,698	116,437
Single Family Residential Mortgage [Member]
Loans, gross	32,581	31,940
Construction and Development Portfolio Segment [Member]
Loans, gross	2,902	2,925
Consumer Portfolio Segment [Member]
Loans, gross	$6,399	$6,428

LOANS_RECEIVABLE_AND_ALLOWANCE3

LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES (Details 2) (USD $)	3 Months Ended		12 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Mar. 31, 2014	Dec. 31, 2014
Activity in allowance for loan losses by portfolio segment
Beginning balance	$2,299	$3,157	$3,157
Provision for loan losses	75		75
Loans charged-off	-235	-200	-1,358
Recoveries on loans charged-off	87	112	425
Ending Balance	$2,226	$3,069	$2,299

LOANS_RECEIVABLE_AND_ALLOWANCE4

LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES (Details 3) (USD $)	3 Months Ended		12 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Mar. 31, 2014	Dec. 31, 2014
Activity in allowance for loan losses by portfolio segment
Beginning balance	$2,299	$3,157	$3,157
Provision for loan losses	75		75
Loans charged-off	-235	-200	-1,358
Recoveries on loans charged-off	87	112	425
Ending Balance	2,226	3,069	2,299
Commercial Financial and Agricultural Portfolio Segment [Member]
Activity in allowance for loan losses by portfolio segment
Beginning balance	415	384	384
Provision for loan losses	-131		-12
Loans charged-off			-9
Recoveries on loans charged-off	5	10	52
Ending Balance	289	394	415
Commercial Real Estate Portfolio Segment [Member]
Activity in allowance for loan losses by portfolio segment
Beginning balance	1,366	1,721	1,721
Provision for loan losses	-40		27
Loans charged-off	-83	-105	-562
Recoveries on loans charged-off	65	3	180
Ending Balance	1,308	1,619	1,366
Single Family Residential Mortgage [Member]
Activity in allowance for loan losses by portfolio segment
Beginning balance	254	731	731
Provision for loan losses	192		-129
Loans charged-off	-97	-52	-468
Recoveries on loans charged-off	1	86	120
Ending Balance	350	765	254
Construction and Development Portfolio Segment [Member]
Activity in allowance for loan losses by portfolio segment
Beginning balance	72	126	126
Provision for loan losses	-21		69
Loans charged-off			-137
Recoveries on loans charged-off	1		14
Ending Balance	52	126	72
Consumer Portfolio Segment [Member]
Activity in allowance for loan losses by portfolio segment
Beginning balance	192	195	195
Provision for loan losses	75		120
Loans charged-off	-55	-43	-182
Recoveries on loans charged-off	15	13	59
Ending Balance	$227	$165	$192

LOANS_RECEIVABLE_AND_ALLOWANCE5

LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES (Details 4) (USD $)	Mar. 31, 2015	Dec. 31, 2014	Mar. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Allocation of allowance for loan losses by portfolio segment
Specific Reserves, Impaired loans	$318	$142
Total specific reserves	318	142
General reserves	1,908	2,157
Total	2,226	2,299	3,069	3,157
Loans individually evaluated for impairment	10,329	10,286
Loans collectively evaluated for impairment	183,422	180,752
Total	193,751	191,038
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	289	415
Total	289	415	394	384
Loans individually evaluated for impairment
Loans collectively evaluated for impairment	37,171	33,308
Total	37,171	33,308
Commercial Real Estate Portfolio Segment [Member]
Allocation of allowance for loan losses by portfolio segment
Specific Reserves, Impaired loans	218	91
Total specific reserves	218	91
General reserves	1,090	1,275
Total	1,308	1,366	1,619	1,721
Loans individually evaluated for impairment	9,904	9,787
Loans collectively evaluated for impairment	104,794	106,650
Total	114,698	116,437
Single Family Residential Mortgage [Member]
Allocation of allowance for loan losses by portfolio segment
Specific Reserves, Impaired loans	100	51
Total specific reserves	100	51
General reserves	250	203
Total	350	254	765	731
Loans individually evaluated for impairment	425	280
Loans collectively evaluated for impairment	32,156	31,660
Total	32,581	31,940
Construction and Development Portfolio Segment [Member]
Allocation of allowance for loan losses by portfolio segment
Specific Reserves, Impaired loans
Total specific reserves
General reserves	52	72
Total	52	72	126	126
Loans individually evaluated for impairment		219
Loans collectively evaluated for impairment	2,902	2,706
Total	2,902	2,925
Consumer Portfolio Segment [Member]
Allocation of allowance for loan losses by portfolio segment
Specific Reserves, Impaired loans
Total specific reserves
General reserves	227	192
Total	227	192	165	195
Loans individually evaluated for impairment
Loans collectively evaluated for impairment	6,399	6,428
Total	$6,399	$6,428

LOANS_RECEIVABLE_AND_ALLOWANCE6

LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES (Details 5) (USD $)	3 Months Ended		12 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Mar. 31, 2014	Dec. 31, 2014
Impaired Loans - With Allowance, Unpaid Principal	$1,524		$278
Impaired Loans - With Allowance, Recorded Investment	1,521		278
Impaired Loans - With Allowance, Allowance for Loan Losses Allocated	318		142
Impaired Loans - With no Allowance, Unpaid Principal	9,268		10,936
Impaired Loans - With no Allowance, Recorded Investment	8,808		10,008
Average Recorded Investment	12,830	11,118	10,278
Interest Income Recognized	199	295	1,016
Single Family Residential Mortgage [Member]
Impaired Loans - With Allowance, Allowance for Loan Losses Allocated	100		51
Single Family Residential Mortgage [Member] | First Mortgage [Member]
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		231
Interest Income Recognized
Single Family Residential Mortgage [Member] | Home Equity Line of Credit [Member]
Impaired Loans - With Allowance, Unpaid Principal	135		102
Impaired Loans - With Allowance, Recorded Investment	135		102
Impaired Loans - With Allowance, Allowance for Loan Losses Allocated	100		51
Impaired Loans - With no Allowance, Unpaid Principal	311		178
Impaired Loans - With no Allowance, Recorded Investment	290		178
Average Recorded Investment	2,916	260	86
Interest Income Recognized	12	9	35
Commercial Financial and Agricultural Portfolio Segment [Member]
Impaired Loans - With Allowance, Allowance for Loan Losses Allocated
Commercial Financial and Agricultural Portfolio Segment [Member] | Secured Financing Receivable [Member]
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]
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]
Impaired Loans - With Allowance, Allowance for Loan Losses Allocated	218		91
Commercial Real Estate Portfolio Segment [Member] | Owner Occupied Financing Receivable [Member]
Impaired Loans - With Allowance, Unpaid Principal	598		81
Impaired Loans - With Allowance, Recorded Investment	595		81
Impaired Loans - With Allowance, Allowance for Loan Losses Allocated	32		81
Impaired Loans - With no Allowance, Unpaid Principal	7,200		8,014
Impaired Loans - With no Allowance, Recorded Investment	6,879		7,457
Average Recorded Investment	7,409	8,523	7,575
Interest Income Recognized	97	252	717
Commercial Real Estate Portfolio Segment [Member] | Non Owner Occupied Financing Receivable [Member]
Impaired Loans - With Allowance, Unpaid Principal	691
Impaired Loans - With Allowance, Recorded Investment	691
Impaired Loans - With Allowance, Allowance for Loan Losses Allocated	139
Impaired Loans - With no Allowance, Unpaid Principal	1,757		2,388
Impaired Loans - With no Allowance, Recorded Investment	1,639		2,154
Average Recorded Investment	2,407	2,104	2,228
Interest Income Recognized	75	21	165
Commercial Real Estate Portfolio Segment [Member] | Multi Family Financing Receivable [Member]
Impaired Loans - With Allowance, Unpaid Principal	100		95
Impaired Loans - With Allowance, Recorded Investment	100		95
Impaired Loans - With Allowance, Allowance for Loan Losses Allocated	47		10
Impaired Loans - With no Allowance, Unpaid Principal
Impaired Loans - With no Allowance, Recorded Investment
Average Recorded Investment	98		97
Interest Income Recognized	15	13	69
Construction and Development Portfolio Segment [Member]
Impaired Loans - With Allowance, Allowance for Loan Losses Allocated
Construction and Development Portfolio Segment [Member] | Construction Financing Receivable [Member]
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			356
Impaired Loans - With no Allowance, Recorded Investment			219
Average Recorded Investment			292
Interest Income Recognized			30
Construction and Development Portfolio Segment [Member] | Improved Land Financing Receivable [Member]
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]
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]
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 6) (USD $)	Mar. 31, 2015	Dec. 31, 2014
In Thousands, unless otherwise specified
Total Past Due	$7,967	$9,182
Current	185,784	181,856
Total	193,751	191,038
Recorded Investment > 90 Days and Accruing		35
Nonaccrual	6,481	4,160
30 to 59 Days Past Due [Member]
Total Past Due	3,248	4,673
60 to 89 Days Past Due [Member]
Total Past Due	2,364	2,864
Equal to Greater than 90 Days Past Due [Member]
Total Past Due	2,355	1,645
Single Family Residential Mortgage [Member]
Total	32,581	31,940
Single Family Residential Mortgage [Member] | First Mortgage [Member]
Total Past Due	2,179	4,499
Current	21,927	19,960
Total	24,106	24,459
Recorded Investment > 90 Days and Accruing		35
Nonaccrual	1,743	1,513
Single Family Residential Mortgage [Member] | First Mortgage [Member] | 30 to 59 Days Past Due [Member]
Total Past Due	818	2,273
Single Family Residential Mortgage [Member] | First Mortgage [Member] | 60 to 89 Days Past Due [Member]
Total Past Due	545	1,190
Single Family Residential Mortgage [Member] | First Mortgage [Member] | Equal to Greater than 90 Days Past Due [Member]
Total Past Due	816	1,036
Single Family Residential Mortgage [Member] | Home Equity Line of Credit [Member]
Total Past Due	1,002	794
Current	7,473	6,687
Total	8,475	7,481
Recorded Investment > 90 Days and Accruing
Nonaccrual	256	286
Single Family Residential Mortgage [Member] | Home Equity Line of Credit [Member] | 30 to 59 Days Past Due [Member]
Total Past Due	259	60
Single Family Residential Mortgage [Member] | Home Equity Line of Credit [Member] | 60 to 89 Days Past Due [Member]
Total Past Due	487	550
Single Family Residential Mortgage [Member] | Home Equity Line of Credit [Member] | Equal to Greater than 90 Days Past Due [Member]
Total Past Due	256	184
Commercial Financial and Agricultural Portfolio Segment [Member]
Total	37,171	33,308
Commercial Financial and Agricultural Portfolio Segment [Member] | Secured Financing Receivable [Member]
Total Past Due		187
Current	30,282	28,232
Total	30,282	28,419
Recorded Investment > 90 Days and Accruing
Nonaccrual
Commercial Financial and Agricultural Portfolio Segment [Member] | Secured Financing Receivable [Member] | 30 to 59 Days Past Due [Member]
Total Past Due
Commercial Financial and Agricultural Portfolio Segment [Member] | Secured Financing Receivable [Member] | 60 to 89 Days Past Due [Member]
Total Past Due		187
Commercial Financial and Agricultural Portfolio Segment [Member] | Secured Financing Receivable [Member] | Equal to Greater than 90 Days Past Due [Member]
Total Past Due
Commercial Financial and Agricultural Portfolio Segment [Member] | Unsecured Financing Receivable [Member]
Total Past Due	4
Current	6,885	4,889
Total	6,889	4,889
Recorded Investment > 90 Days and Accruing
Nonaccrual
Commercial Financial and Agricultural Portfolio Segment [Member] | Unsecured Financing Receivable [Member] | 30 to 59 Days Past Due [Member]
Total Past Due	4
Commercial Financial and Agricultural Portfolio Segment [Member] | Unsecured Financing Receivable [Member] | 60 to 89 Days Past Due [Member]
Total Past Due
Commercial Financial and Agricultural Portfolio Segment [Member] | Unsecured Financing Receivable [Member] | Equal to Greater than 90 Days Past Due [Member]
Total Past Due
Commercial Real Estate Portfolio Segment [Member]
Total	114,698	116,437
Commercial Real Estate Portfolio Segment [Member] | Owner Occupied Financing Receivable [Member]
Total Past Due	2,547	995
Current	55,141	59,065
Total	57,688	60,060
Recorded Investment > 90 Days and Accruing
Nonaccrual	2,239	1,222
Commercial Real Estate Portfolio Segment [Member] | Owner Occupied Financing Receivable [Member] | 30 to 59 Days Past Due [Member]
Total Past Due	1,270	767
Commercial Real Estate Portfolio Segment [Member] | Owner Occupied Financing Receivable [Member] | 60 to 89 Days Past Due [Member]
Total Past Due	425
Commercial Real Estate Portfolio Segment [Member] | Owner Occupied Financing Receivable [Member] | Equal to Greater than 90 Days Past Due [Member]
Total Past Due	852	228
Commercial Real Estate Portfolio Segment [Member] | Non Owner Occupied Financing Receivable [Member]
Total Past Due	1,105	2,101
Current	44,126	42,425
Total	45,231	44,526
Recorded Investment > 90 Days and Accruing
Nonaccrual	2,129	1,026
Commercial Real Estate Portfolio Segment [Member] | Non Owner Occupied Financing Receivable [Member] | 30 to 59 Days Past Due [Member]
Total Past Due	788	1,429
Commercial Real Estate Portfolio Segment [Member] | Non Owner Occupied Financing Receivable [Member] | 60 to 89 Days Past Due [Member]
Total Past Due		588
Commercial Real Estate Portfolio Segment [Member] | Non Owner Occupied Financing Receivable [Member] | Equal to Greater than 90 Days Past Due [Member]
Total Past Due	317	84
Commercial Real Estate Portfolio Segment [Member] | Multi Family Financing Receivable [Member]
Total Past Due	818	457
Current	10,961	11,394
Total	11,779	11,851
Recorded Investment > 90 Days and Accruing
Nonaccrual	100	95
Commercial Real Estate Portfolio Segment [Member] | Multi Family Financing Receivable [Member] | 30 to 59 Days Past Due [Member]
Total Past Due		35
Commercial Real Estate Portfolio Segment [Member] | Multi Family Financing Receivable [Member] | 60 to 89 Days Past Due [Member]
Total Past Due	718	327
Commercial Real Estate Portfolio Segment [Member] | Multi Family Financing Receivable [Member] | Equal to Greater than 90 Days Past Due [Member]
Total Past Due	100	95
Construction and Development Portfolio Segment [Member]
Total	2,902	2,925
Construction and Development Portfolio Segment [Member] | Construction Financing Receivable [Member]
Total Past Due	189
Current	2,593	2,759
Total	2,782	2,759
Recorded Investment > 90 Days and Accruing
Nonaccrual
Construction and Development Portfolio Segment [Member] | Construction Financing Receivable [Member] | 30 to 59 Days Past Due [Member]
Total Past Due
Construction and Development Portfolio Segment [Member] | Construction Financing Receivable [Member] | 60 to 89 Days Past Due [Member]
Total Past Due	189
Construction and Development Portfolio Segment [Member] | Construction Financing Receivable [Member] | Equal to Greater than 90 Days Past Due [Member]
Total Past Due
Construction and Development Portfolio Segment [Member] | Improved Land Financing Receivable [Member]
Total Past Due		103
Current	120	63
Total	120	166
Recorded Investment > 90 Days and Accruing
Nonaccrual
Construction and Development Portfolio Segment [Member] | Improved Land Financing Receivable [Member] | 30 to 59 Days Past Due [Member]
Total Past Due		103
Construction and Development Portfolio Segment [Member] | Improved Land Financing Receivable [Member] | 60 to 89 Days Past Due [Member]
Total Past Due
Construction and Development Portfolio Segment [Member] | Improved Land Financing Receivable [Member] | Equal to Greater than 90 Days Past Due [Member]
Total Past Due
Consumer Portfolio Segment [Member]
Total Past Due	123	46
Current	6,276	6,382
Total	6,399	6,428
Recorded Investment > 90 Days and Accruing
Nonaccrual	14	18
Consumer Portfolio Segment [Member] | 30 to 59 Days Past Due [Member]
Total Past Due	109	6
Consumer Portfolio Segment [Member] | 60 to 89 Days Past Due [Member]
Total Past Due		22
Consumer Portfolio Segment [Member] | Equal to Greater than 90 Days Past Due [Member]
Total Past Due	$14	$18

LOANS_RECEIVABLE_AND_ALLOWANCE8

LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES (Details 7) (USD $)	Mar. 31, 2015	Dec. 31, 2014
In Thousands, unless otherwise specified
Total	$193,751	$191,038
Single Family Residential Mortgage [Member]
Total	32,581	31,940
Single Family Residential Mortgage [Member] | First Mortgage [Member]
Total	24,106	24,459
Single Family Residential Mortgage [Member] | Home Equity Line of Credit [Member]
Total	8,475	7,481
Commercial Financial and Agricultural Portfolio Segment [Member]
Total	37,171	33,308
Commercial Financial and Agricultural Portfolio Segment [Member] | Secured Financing Receivable [Member]
Total	30,282	28,419
Commercial Financial and Agricultural Portfolio Segment [Member] | Unsecured Financing Receivable [Member]
Total	6,889	4,889
Commercial Real Estate Portfolio Segment [Member]
Total	114,698	116,437
Commercial Real Estate Portfolio Segment [Member] | Owner Occupied Financing Receivable [Member]
Total	57,688	60,060
Commercial Real Estate Portfolio Segment [Member] | Non Owner Occupied Financing Receivable [Member]
Total	45,231	44,526
Commercial Real Estate Portfolio Segment [Member] | Multi Family Financing Receivable [Member]
Total	11,779	11,851
Construction and Development Portfolio Segment [Member]
Total	2,902	2,925
Construction and Development Portfolio Segment [Member] | Construction Financing Receivable [Member]
Total	2,782	2,759
Construction and Development Portfolio Segment [Member] | Improved Land Financing Receivable [Member]
Total	120	166
Consumer Portfolio Segment [Member]
Total	6,399	6,428
Pass [Member]
Total	173,326	169,587
Pass [Member] | Single Family Residential Mortgage [Member] | First Mortgage [Member]
Total	22,594	22,168
Pass [Member] | Single Family Residential Mortgage [Member] | Home Equity Line of Credit [Member]
Total	7,310	6,346
Pass [Member] | Commercial Financial and Agricultural Portfolio Segment [Member] | Secured Financing Receivable [Member]
Total	30,282	28,419
Pass [Member] | Commercial Financial and Agricultural Portfolio Segment [Member] | Unsecured Financing Receivable [Member]
Total	6,889	4,889
Pass [Member] | Commercial Real Estate Portfolio Segment [Member] | Owner Occupied Financing Receivable [Member]
Total	48,313	50,603
Pass [Member] | Commercial Real Estate Portfolio Segment [Member] | Non Owner Occupied Financing Receivable [Member]
Total	38,450	37,750
Pass [Member] | Commercial Real Estate Portfolio Segment [Member] | Multi Family Financing Receivable [Member]
Total	10,286	10,353
Pass [Member] | Construction and Development Portfolio Segment [Member] | Construction Financing Receivable [Member]
Total	2,782	2,540
Pass [Member] | Construction and Development Portfolio Segment [Member] | Improved Land Financing Receivable [Member]
Total	120	127
Pass [Member] | Construction and Development Portfolio Segment [Member] | Unimproved Land Financing Receivable [Member]
Total
Pass [Member] | Consumer Portfolio Segment [Member]
Total	6,300	6,392
Special Mention [Member]
Total	11,233	11,447
Special Mention [Member] | Single Family Residential Mortgage [Member] | First Mortgage [Member]
Total	151
Special Mention [Member] | Single Family Residential Mortgage [Member] | Home Equity Line of Credit [Member]
Total	548	557
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	4,686	4,673
Special Mention [Member] | Commercial Real Estate Portfolio Segment [Member] | Non Owner Occupied Financing Receivable [Member]
Total	4,486	4,805
Special Mention [Member] | Commercial Real Estate Portfolio Segment [Member] | Multi Family Financing Receivable [Member]
Total	1,362	1,368
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		39
Special Mention [Member] | Construction and Development Portfolio Segment [Member] | Unimproved Land Financing Receivable [Member]
Total
Special Mention [Member] | Consumer Portfolio Segment [Member]
Total		5
Substandard [Member]
Total	9,054	9,802
Substandard [Member] | Single Family Residential Mortgage [Member] | First Mortgage [Member]
Total	1,361	2,291
Substandard [Member] | Single Family Residential Mortgage [Member] | Home Equity Line of Credit [Member]
Total	536	476
Substandard [Member] | Commercial Financial and Agricultural Portfolio Segment [Member] | Secured Financing Receivable [Member]
Total
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	4,689	4,702
Substandard [Member] | Commercial Real Estate Portfolio Segment [Member] | Non Owner Occupied Financing Receivable [Member]
Total	2,249	1,971
Substandard [Member] | Commercial Real Estate Portfolio Segment [Member] | Multi Family Financing Receivable [Member]
Total	131	130
Substandard [Member] | Construction and Development Portfolio Segment [Member] | Construction Financing Receivable [Member]
Total		219
Substandard [Member] | Construction and Development Portfolio Segment [Member] | Improved Land Financing Receivable [Member]
Total
Substandard [Member] | Construction and Development Portfolio Segment [Member] | Unimproved Land Financing Receivable [Member]
Total
Substandard [Member] | Consumer Portfolio Segment [Member]
Total	88	13
Doubtful [Member]
Total	138	202
Doubtful [Member] | Single Family Residential Mortgage [Member] | First Mortgage [Member]
Total
Doubtful [Member] | Single Family Residential Mortgage [Member] | Home Equity Line of Credit [Member]
Total	81	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		82
Doubtful [Member] | Commercial Real Estate Portfolio Segment [Member] | Non Owner Occupied Financing Receivable [Member]
Total	46
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	$18

LOANS_RECEIVABLE_AND_ALLOWANCE9

LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES (Details 8) (Troubled Debt Restructuring [Member], USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015
	Number
Number of Contracts	2
Pre-Modification Outstanding Recorded Investment	$34
Post-Modification Outstanding Recorded Investment	34
Single Family Residential Mortgage [Member] | Home Equity Line of Credit [Member]
Number of Contracts	2
Pre-Modification Outstanding Recorded Investment	34
Post-Modification Outstanding Recorded Investment	$34

FAIR_VALUE_OF_FINANCIAL_INSTRU2

FAIR VALUE OF FINANCIAL INSTRUMENTS (Details) (USD $)	Mar. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale:	$116,111	$126,611
Other real estate owned	4,382	4,668	7,404
State, county and municipal securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale:	28,392	29,693
Mortgage Backed Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale:	77,716	86,915
Corporate Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale:	10,003	10,003
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	9,686	9,696
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	325	229
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		219
Fair Value, Inputs, Level 3 [Member] | Other real estate owned [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral Dependent Impaired loans	4,382	4,668
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:	116,111	126,611
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:	28,392	29,693
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:	77,716	86,915
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:	10,003	10,003
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:	116,111	126,611
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:	28,392	29,693
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:	77,716	86,915
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:	10,003	10,003
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	14,393	14,812
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	9,686	9,696
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	325	229
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		219
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	4,382	4,668
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	14,393	14,812
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	9,686	9,696
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	325	229
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		219
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	$4,382	$4,668

FAIR_VALUE_OF_FINANCIAL_INSTRU3

FAIR VALUE OF FINANCIAL INSTRUMENTS (Details 2) (Fair Value, Inputs, Level 3 [Member], USD $)	3 Months Ended	12 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Dec. 31, 2014
Commercial Real Estate Portfolio Segment [Member]
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Collateral Dependent Impaired loans	9,686	9,696
Commercial Real Estate Portfolio Segment [Member] | Minimum [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%	5.00%
Commercial Real Estate Portfolio Segment [Member] | Maximum [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)	20.00%	20.00%
Single Family Residential Mortgage [Member]
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Collateral Dependent Impaired loans	325	229
Single Family Residential Mortgage [Member] | Minimum [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%	5.00%
Single Family Residential Mortgage [Member] | Maximum [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)	20.00%	20.00%
Other real estate owned [Member]
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Collateral Dependent Impaired loans	4,382	4,668
Other real estate owned [Member] | Minimum [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%	5.00%
Other real estate owned [Member] | Maximum [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)	20.00%	20.00%
Construction and Development Portfolio Segment [Member]
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Collateral Dependent Impaired loans		219
Construction and Development Portfolio Segment [Member] | Minimum [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%
Construction and Development Portfolio Segment [Member] | Maximum [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)		20.00%

FAIR_VALUE_OF_FINANCIAL_INSTRU4

FAIR VALUE OF FINANCIAL INSTRUMENTS (Details 3) (USD $)	Mar. 31, 2015	Dec. 31, 2014
In Thousands, unless otherwise specified
Financial assets:
Cash and due from banks	$2,995	$2,758
Interest-bearing deposits with banks	56,427	45,653
Certificates of deposit	350	350
Other investments	799	792
Loans-net	191,525	188,739
Cash surrender value of life insurance	10,135	10,082
Financial liabilities:
Deposits	343,263	340,889
Advances from Federal Home Loan Bank	249	254
Commitments to Extend Credit [Member]
Off-balance-sheet financial instruments:
Notional amount	20,502	26,833
Estimated fair value
Letter of Credit [Member]
Off-balance-sheet financial instruments:
Notional amount	2,027	2,027
Estimated fair value
Fair Value, Inputs, Level 1 [Member]
Financial assets:
Cash and due from banks	2,995	2,758
Interest-bearing deposits with banks	56,427	45,653
Certificates of deposit	350	350
Investment securities
Other investments	799	792
Loans-net
Cash surrender value of life insurance	10,135	10,082
Financial liabilities:
Deposits	217,998	201,994
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	116,355	126,854
Other investments
Loans-net
Cash surrender value of life insurance
Financial liabilities:
Deposits	125,883	139,725
Advances from Federal Home Loan Bank	249	254
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	190,889	188,195
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	2,995	2,758
Interest-bearing deposits with banks	56,427	45,653
Certificates of deposit	350	350
Investment securities	116,351	126,851
Other investments	799	792
Loans-net	191,525	188,739
Cash surrender value of life insurance	10,135	10,082
Financial liabilities:
Deposits	343,262	340,889
Advances from Federal Home Loan Bank	249	254
Estimate of Fair Value, Fair Value Disclosure [Member]
Financial assets:
Cash and due from banks	2,995	2,758
Interest-bearing deposits with banks	56,427	45,653
Certificates of deposit	350	350
Investment securities	116,355	126,854
Other investments	799	792
Loans-net	190,889	188,195
Cash surrender value of life insurance	10,135	10,082
Financial liabilities:
Deposits	343,881	341,719
Advances from Federal Home Loan Bank	$249	$254

OTHER_REAL_ESTATE_OWNED_Detail

OTHER REAL ESTATE OWNED (Details) (USD $)	3 Months Ended		12 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Mar. 31, 2014	Dec. 31, 2014
Transactions in other real estate owned
Balance-beginning of period	$4,668	$7,404	$7,404
Additions	88	410	1,201
Sales	-371		-3,411
Write downs	-3	-206	-526
Balance-end of period	$4,382		$4,668

INTANGIBLE_ASSETS_Details

INTANGIBLE ASSETS (Details) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Mar. 31, 2014	Dec. 31, 2014
Goodwill and Intangible Assets Disclosure [Abstract]
Period over which the deposit assumption premiums are amortized	7 years
Gross Carrying Amount, Goodwill	$362		$362
Amortized intangible asset:
Gross Carrying Amount, Core deposit intangibles	3,303		3,303
Accumulated Amortization, Core deposit intangibles	2,832		2,714
Aggregate amortization expense of core deposit intangibles	$118	$118

INTANGIBLE_ASSETS_Details_1

INTANGIBLE ASSETS (Details 1) (USD $)	Mar. 31, 2015
In Thousands, unless otherwise specified
Estimated aggregate amortization expense of core deposit intangibles
2015	$472
2016	117
2017 and thereafter

NET_INCOME_PER_COMMON_AND_COMM2

NET INCOME PER COMMON AND COMMON EQUIVALENT SHARE (Details) (USD $)	3 Months Ended
In Thousands, except Share data, unless otherwise specified	Mar. 31, 2015	Mar. 31, 2014
Earnings Per Share [Abstract]
Potentially dilutive options excluding outstanding	32,777	49,277
Net Income (Numerator)
Basic earnings available to common stockholders	$369	$357
Nonvested restricted stock grant
Effect of dilutive securities: options to purchase common shares
Diluted earnings	$369	$357
Shares (Denominator)
Basic (in shares)	2,194,000	2,161,000
Nonvested restricted stock grant (in shares)	16	10
Effect of dilutive securities: options to purchase common shares (in shares)
Diluted (in shares)	2,210,000	2,171,000
Per Share Amount
Basic earnings per share available to common stockholders (in dollars per share)	$0.17	$0.17
Nonvested resticted stock grant (in dollars per share)
Effect of dilutive securities: options to purchase common shares (in dollars per shares)
Diluted earnings per share (in dollars per share)	$0.17	$0.16

NET_INCOME_PER_COMMON_AND_COMM3

NET INCOME PER COMMON AND COMMON EQUIVALENT SHARE (Details Narrative)	3 Months Ended
	Mar. 31, 2015
Net Income Per Common And Common Equivalent Share Details Narrative
Potentially dilutive included options outstanding	16,500