INCOME TAXES (Effective Income Tax Rate Reconciliation) (Details) - USD ($)	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
INCOME TAXES
Income before income taxes	$ 7,208,000	$ 7,566,000
Statutory tax rate	21.00%	21.00%
Federal tax at statutory rate	$ 1,514,000	$ 1,589,000
Tax-exempt interest	(151,000)	(176,000)
Net earnings on BOLI	(39,000)	(39,000)
Gain from life insurance proceeds	(12,000)	(34,000)
Federal tax credits	(329,000)	(366,000)
Other permanent differences	(4,000)	(4,000)
Total tax provision	$ 979,000	$ 970,000
Effective tax rate	13.60%	12.80%