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LOANS - LOAN SERVICING (Details) - USD ($)
$ in Thousands
12 Months Ended
Dec. 31, 2019
Dec. 31, 2018
Loan Servicing    
Unpaid principal balances of mortgage loans serviced $ 227,200 $ 217,000
Custodial escrow balances 1,300 977
Servicing Rights:    
Beginning balance 1,536 1,511
Additions 299 335
Amortization (333) (327)
Change in valuation allowance 71 17
Ending balance 1,573 1,536
Valuation Allowance:    
Beginning balance 39 56
Additions expensed 155 39
Reductions credited to operations 84 56
Ending balance 110 39
Fair value of servicing rights $ 2,000 $ 2,100
Assumptions used in determination of fair value    
Discount rate (as a percent) 12.00% 12.00%
Weighted average amortization period 22 years  
Estimated amortization expense for each of the next five years    
2020 $ 137  
2021 118  
2022 102  
2023 89  
2024 $ 79  
Minimum    
Assumptions used in determination of fair value    
Prepayment speeds (as a percent) 8.80% 6.60%
Default rates (as a percent) 0.10% 0.10%
Maximum    
Assumptions used in determination of fair value    
Prepayment speeds (as a percent) 19.90% 25.00%
Default rates (as a percent) 0.90% 0.90%