INCOME TAXES (Effective Income Tax Rate Reconciliation) (Details) - USD ($)	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
INCOME TAXES
Income before income taxes	$ 7,566,000	$ 7,372,000
Statutory tax rate	21.00%	21.00%
Federal tax at statutory rate	$ 1,589,000	$ 1,548,000
Tax-exempt interest	(176,000)	(189,000)
Net earnings on BOLI	(39,000)	(67,000)
Gain from life insurance proceeds	(34,000)	(80,000)
Stock-based compensation	0	3,000
Federal tax credits	(366,000)	(902,000)
Other permanent differences	(4,000)	(5,000)
Total tax expense (benefit)	$ 970,000	$ 308,000
Effective tax rate	12.80%	4.20%