FINANCIAL INSTRUMENTS WITH OFF-BALANCE SHEET RISK (Tables)

6 Months Ended

Jun. 30, 2019

FINANCIAL INSTRUMENTS WITH OFF-BALANCE SHEET RISK [Abstract]

Financial Instruments Whose Contract Amount Represent Credit Risk

Financial instruments, whose contract amounts represent credit risk at the indicated periods, were as follows:

(in thousands)	June 30, 2019		December 31, 2018
Undisbursed loan commitments	$	196,098	$	201,983
Standby letters of credit		2,445		2,974
Commitments to sell loans		2,496		570
	$	201,039	$	205,527