COMMITMENTS AND CONTINGENT LIABILITIES (Tables)

12 Months Ended

Dec. 31, 2019

Commitments and Contingencies Disclosure [Abstract]

Financial Instruments Whose Contract Amounts Represent Off-Balance-Sheet Credit Risk

Financial instruments whose contract amounts represent off-balance-sheet credit risk at December 31 were as follows (in thousands):

	2019		2018
Commitments to extend credit:
Commercial loans	$	50,235	23,978
Other loans:
Fixed rate	4,431		2,961
Adjustable rate	1,199		1,077
Unused lines of credit:
Fixed rate	28,796		31,446
Adjustable rate	174,577		169,031
Unused overdraft protection amounts on demand and NOW accounts	16,304		16,249
Standby letters of credit	883		1,080
	$	276,425	245,822