MORTGAGE OPERATIONS (Details) - USD ($)	3 Months Ended		6 Months Ended		12 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022	Dec. 31, 2022
MORTGAGE OPERATIONS [Abstract]
Real estate mortgage loans serviced	$ 187,504,974		$ 187,504,974		$ 194,818,000
Key assumptions used in measuring the fair value of mortgage servicing rights [Abstract]
Constant prepayment rate			7.58%		7.55%
Discount rate			9.50%		9.50%
Weighted average life			7 years 1 month 13 days		7 years 2 months 12 days
Mortgage servicing rights [Roll Forward]
Beginning balance			$ 1,650,000
Additions			14,000
Reductions			(123,000)
Ending balance	1,541,000		1,541,000		$ 1,650,000
Valuation allowance [Roll Forward]
Beginning balance			0
Additions			0
Reductions			0
Ending balance	0		0		0
Mortgage servicing rights, net of valuation allowance [Roll Forward]
Beginning balance			1,650,000
Additions			14,000
Reductions			(123,000)
Ending balance	1,541,000		1,541,000
Fair value of mortgage servicing rights assets	2,002,000		2,002,000		$ 2,101,000
Contractually specified servicing fees	$ 119,000	$ 129,000	$ 240,000	$ 259,000