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FINANCIAL INSTRUMENTS WITH OFF-BALANCE SHEET RISK (Tables)
 6 Months Ended
Jun. 30, 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)
  
June 30, 2022
    
December 31, 2021
  
 
            
Undisbursed loan commitments
  
$
208,982
    
$
192,874
  
Standby letters of credit
    
1,926
      
2,305
  
Commitments to sell loans
    
250
      
1,500
  
 
  
$
211,158
    
$
196,679