LOANS (Tables)

12 Months Ended

Dec. 31, 2020

Receivables [Abstract]

Outstanding loans

Outstanding loans are summarized below. Commercial loans at December 31, 2020 include $55,546,000 in Paycheck Protection Program loans (dollars in thousands).

LOANS

	December 31,
	2020			2019
Real estate - commercial	$	251,348		$	214,604
Real estate - construction		18,424			23,169
Real estate - multi-family		48,760			56,818
Real estate - residential		32,329			29,180
Commercial		94,522			43,019
Agriculture		6,091			6,479
Consumer		28,804			26,392
Loans, gross		480,278			399,661
Deferred loan origination fees and costs, net		(1,797	)		(721	)
Allowance for loan losses		(6,628	)		(5,138	)
Loans, net	$	471,853		$	393,802