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FINANCIAL INSTRUMENTS WITH OFF-BALANCE SHEET RISK (Tables)
 9 Months Ended
Sep. 30, 2020
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)
  
September 30, 2020
    
December 31, 2019
  
 
            
Undisbursed loan commitments
  
$
192,765
    
$
198,534
  
Standby letters of credit
    
2,898
      
2,455
  
Commitments to sell loans
    
2,330
      
1,240
  
 
  
$
197,993
    
$
202,229