LOANS - Composition of loans receivable by risk rating grade (Details) - USD ($) $ in Thousands	Jun. 30, 2020	Dec. 31, 2019
Pass
Residential 1-4 family	$ 350,494	$ 337,302
Residential 5+ multifamily	36,539	33,619
Construction of residential 1-4 family	11,041	11,889
Home equity lines of credit	29,689	33,381
Residential real estate	427,763	416,191
Commercial	292,546	271,708
Construction of commercial	13,464	8,225
Commercial real estate	306,010	279,933
Farm land	1,637	1,934
Vacant land	13,785	7,834
Real estate secured	749,195	705,892
Commercial and industrial	245,768	167,458
Municipal	20,707	21,914
Consumer	7,851	6,344
Loans receivable, gross	1,023,521	901,608
Special mention
Residential 1-4 family	3,357	4,278
Residential 5+ multifamily	96	99
Construction of residential 1-4 family
Home equity lines of credit	332	312
Residential real estate	3,785	4,689
Commercial	3,081	10,964
Construction of commercial
Commercial real estate	3,081	10,964
Farm land
Vacant land	55	59
Real estate secured	6,921	15,712
Commercial and industrial	581	443
Municipal
Consumer	3	3
Loans receivable, gross	7,505	16,158
Substandard
Residential 1-4 family	3,667	4,719
Residential 5+ multifamily	1,718	1,737
Construction of residential 1-4 family
Home equity lines of credit	265	105
Residential real estate	5,650	6,561
Commercial	14,237	7,052
Construction of commercial	235	241
Commercial real estate	14,472	7,293
Farm land	1,687	1,707
Vacant land	39
Real estate secured	21,848	15,561
Commercial and industrial	731	1,510
Municipal
Consumer	32	38
Loans receivable, gross	22,611	17,109
Doubtful
Residential 1-4 family
Residential 5+ multifamily
Construction of residential 1-4 family
Home equity lines of credit
Residential real estate
Commercial	71	71
Construction of commercial
Commercial real estate	71	71
Farm land
Vacant land
Real estate secured	71	71
Commercial and industrial	360
Municipal
Consumer
Loans receivable, gross	431	71
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	357,518	346,299
Residential 5+ multifamily	38,353	35,455
Construction of residential 1-4 family	11,041	11,889
Home equity lines of credit	30,286	33,798
Residential real estate	437,198	427,441
Commercial	309,935	289,795
Construction of commercial	13,699	8,466
Commercial real estate	323,634	298,261
Farm land	3,324	3,641
Vacant land	13,879	7,893
Real estate secured	778,035	737,236
Commercial and industrial	247,440	169,411
Municipal	20,707	21,914
Consumer	7,886	6,385
Loans receivable, gross	$ 1,054,068	$ 934,946

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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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