FINANCIAL INSTRUMENTS WITH OFF-BALANCE SHEET RISK (Tables)

3 Months Ended

Mar. 31, 2022

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)	March 31, 2022		December 31, 2021
Undisbursed loan commitments	$	208,071	$	192,874
Standby letters of credit		1,812		2,305
Commitments to sell loans		630		1,500
	$	210,513	$	196,679