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INCOME TAXES, Effective Income Tax Rate Reconciliation (Details) - USD ($)
$ in Thousands
12 Months Ended
Dec. 31, 2021
Dec. 31, 2020
Dec. 31, 2019
INCOME TAXES [Abstract]      
Federal statutory rate 21.00%    
Reconciliation of Income Tax Expenses [Abstract]      
Federal statutory rate times financial statement income $ 15,355 $ 11,887 $ 7,707
Effect of [Abstract]      
Tax-exempt income (978) (863) (348)
State taxes, net of federal benefit 174 196 177
Earnings from bank owned life insurance (262) (280) (272)
Non-deductible expenses 281 248 190
Other, net (63) 62 27
Total $ 14,507 $ 11,250 $ 7,481