LOANS - Composition of loans receivable by risk rating grade (Details) - USD ($) $ in Thousands	Jun. 30, 2019	Dec. 31, 2018
Pass
Residential 1-4 family	$ 326,478	$ 337,520
Residential 5+ multifamily	35,282	34,726
Construction of residential 1-4 family	12,553	12,041
Home equity lines of credit	33,819	33,728
Residential real estate	408,132	418,015
Commercial	268,152	270,461
Construction of commercial	9,929	8,482
Commercial real estate	278,081	278,943
Farm land	1,974	3,969
Vacant land	7,985	8,253
Real estate secured	696,172	709,180
Commercial and industrial	160,622	159,127
Municipal	19,782	14,344
Consumer	5,121	4,502
Loans receivable, gross	881,697	887,153
Special mention
Residential 1-4 family	4,079	4,281
Residential 5+ multifamily	105	784
Construction of residential 1-4 family
Home equity lines of credit	329	265
Residential real estate	4,513	5,330
Commercial	11,733	4,530
Construction of commercial
Commercial real estate	11,733	4,530
Farm land
Vacant land	65	69
Real estate secured	16,311	9,929
Commercial and industrial	973	2,672
Municipal
Consumer	4	10
Loans receivable, gross	17,288	12,611
Substandard
Residential 1-4 family	4,922	4,061
Residential 5+ multifamily	1,761	1,000
Construction of residential 1-4 family
Home equity lines of credit	483	440
Residential real estate	7,166	5,501
Commercial	7,988	8,608
Construction of commercial	246	494
Commercial real estate	8,234	9,102
Farm land	1,740	216
Vacant land
Real estate secured	17,140	14,819
Commercial and industrial	1,892	1,106
Municipal
Consumer	41
Loans receivable, gross	19,073	15,925
Doubtful
Residential 1-4 family
Residential 5+ multifamily
Construction of residential 1-4 family
Home equity lines of credit
Residential real estate
Commercial	73
Construction of commercial
Commercial real estate	73
Farm land
Vacant land
Real estate secured	73
Commercial and industrial
Municipal
Consumer
Loans receivable, gross	73
Loss
Residential 1-4 family
Residential 5+ multifamily
Construction of residential 1-4 family
Home equity lines of credit
Residential real estate
Commercial
Construction of commercial
Commercial real estate
Farm land
Vacant land
Real estate secured
Commercial and industrial
Municipal
Consumer
Loans receivable, gross
Total
Residential 1-4 family	335,479	345,862
Residential 5+ multifamily	37,148	36,510
Construction of residential 1-4 family	12,553	12,041
Home equity lines of credit	34,631	34,433
Residential real estate	419,811	428,846
Commercial	287,946	283,599
Construction of commercial	10,175	8,976
Commercial real estate	298,121	292,575
Farm land	3,714	4,185
Vacant land	8,050	8,322
Real estate secured	729,696	733,928
Commercial and industrial	163,487	162,905
Municipal	19,782	14,344
Consumer	5,166	4,512
Loans receivable, gross	$ 918,131	$ 915,689

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The fair value as of the balance sheet date of firm holdings in fixed income obligations issued by state and local governments and authorities. Includes both pledged (to counterparties as collateral for financing transactions) and unpledged holdings.

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The net carrying amount as of the balance sheet date of the sum of the various components of an operative builder's inventory, including finished homes. Operative builders primarily consist of entities that develop land, construct residential homes and commercial and industrial buildings thereon, and sell them to home buyers and operators of the commercial and industrial properties.

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Total of (1) improvements, (2) held-for-sale, (3) land and land under development, (4) construction-in-process, (5) mortgage loans held-in-inventory, and (6) other real estate investments which are considered inventory due to being held for sale or disposition.

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Cost of real estate projects incurred for projects for eventual sale or transfer (condominium or time share projects, vacation clubs).

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Carrying amount as of the balance sheet date, net of valuation allowances and impairment losses, of costs of land expected to be developed in the near term plus capitalized costs of development, for purposes of selling completed units to home buyers or commercial or industrial entities..

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Represents mortgage loans held in inventory primarily for sale to others (third parties, businesses, legal entities) in the ordinary course of business.

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Amount of investment in certain other real estate investments not specifically identified elsewhere in the existing taxonomy.

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Amount before allowance of loans and leases held in portfolio, including but not limited to, commercial and consumer loans. Includes deferred interest and fees, undisbursed portion of loan balance, unamortized costs and premiums and discounts from face amounts. Excludes loans and leases covered under loss sharing agreements.

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Amount before allowance and after deduction of deferred interest and fees, unamortized costs and premiums and discounts from face amounts, of loans and leases held in portfolio, including but not limited to, commercial and consumer loans. Excludes loans and leases covered under loss sharing agreements.

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The balance represents the amount of loans that are secured by real estate mortgages, offset by the reserve to cover probable credit losses on the loan portfolio.

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