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FINANCIAL INSTRUMENTS WITH OFF-BALANCE SHEET RISK (Tables)
 3 Months Ended
Mar. 31, 2024
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,
2024
    
December 31,
2023
  
 
            
Undisbursed loan commitments
  
$
179,893
    
$
187,401
  
Standby letters of credit
    
1,241
      
1,251
  
Commitments to sell loans
    
765
      
—
  
 
  
$
181,899
    
$
188,652