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MORTGAGE OPERATIONS (Details) - USD ($)
3 Months Ended 6 Months Ended 12 Months Ended
Jun. 30, 2020
Jun. 30, 2019
Jun. 30, 2020
Jun. 30, 2019
Dec. 31, 2019
MORTGAGE OPERATIONS [Abstract]          
Real estate mortgage loans serviced $ 211,717,000   $ 211,717,000   $ 208,862,000
Key assumptions used in measuring the fair value of mortgage servicing rights [Abstract]          
Constant prepayment rate     17.20%   12.10%
Discount rate     10.00%   10.01%
Weighted average life     4 years 3 months 3 days   5 years 6 months
Mortgage servicing rights [Roll Forward]          
Beginning balance     $ 1,481,000    
Additions     256,000    
Reductions     (192,000)    
Ending balance 1,545,000   1,545,000   $ 1,481,000
Valuation allowance [Roll Forward]          
Beginning balance     0    
Additions     (198,000)    
Reductions     0    
Ending balance (198,000)   (198,000)   0
Mortgage servicing rights, net of valuation allowance [Roll Forward]          
Beginning balance     1,481,000    
Additions     58,000    
Reductions     (192,000)    
Ending balance 1,347,000   1,347,000    
Fair value of mortgage servicing rights asset 1,347,000   1,347,000   $ 1,631,000
Contractually specified servicing fees $ 131,000 $ 131,000 $ 262,000 $ 265,000