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INCOME TAXES, Effective Income Tax Rate Reconciliation (Details) - USD ($)
$ in Thousands
12 Months Ended
Dec. 31, 2023
Dec. 31, 2022
Dec. 31, 2021
INCOME TAXES [Abstract]      
Federal statutory rate 21.00%    
Reconciliation of Income Tax Expenses [Abstract]      
Federal statutory rate times financial statement income $ 16,678 $ 15,362 $ 15,355
Effect of [Abstract]      
Tax-exempt income (836) (953) (978)
State taxes, net of federal benefit 301 239 174
Earnings from bank owned life insurance (279) (251) (262)
Non-deductible expenses 675 409 281
Other, net 133 105 (63)
Total $ 16,672 $ 14,911 $ 14,507
Effective tax rate 20.99% 20.38% 19.84%