OTHER BORROWINGS

3 Months Ended

Mar. 31, 2019

OTHER BORROWINGS [Abstract]

OTHER BORROWINGS

15. OTHER BORROWINGS

Other borrowings consists of overnight or short-term borrowings with member commercial banks within a network of financial institutions. The availability of funds changes daily. As of March 31, 2019, the Bank had $45,000 of such borrowings outstanding. Interest expense for the three month period ended March 31, 2019 was $65.  There was no activity during 2018.