LOANS HELD FOR INVESTMENT AND ALLOWANCE FOR CREDIT LOSSES (Activity in allowance for credit losses) (Details) - USD ($)	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023	Dec. 31, 2023
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance	$ 29,219,000	$ 28,243,000	$ 29,941,000	$ 25,068,000	$ 25,068,000
Provision for Credit Losses	1,879,000	1,993,000	3,890,000	7,175,000
Charge-Offs	(2,283,000)	(2,075,000)	(6,878,000)	(6,705,000)
Recoveries	1,021,000	922,000	2,883,000	3,545,000
Net (Charge-Offs) Recoveries	(1,262,000)	(1,153,000)	(3,995,000)	(3,160,000)
Ending Balance	29,836,000	29,083,000	29,836,000	29,083,000	29,941,000
Commercial, Financial and Agricultural [Member]
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance	1,575,000	1,446,000	1,482,000	1,506,000	1,506,000
Provision for Credit Losses	134,000	(59,000)	809,000	(67,000)
Charge-Offs	(331,000)	(76,000)	(1,013,000)	(294,000)	(511,000)
Recoveries	176,000	28,000	276,000	194,000
Net (Charge-Offs) Recoveries	(155,000)	(48,000)	(737,000)	(100,000)
Ending Balance	1,554,000	1,339,000	1,554,000	1,339,000	1,482,000
Real Estate - Construction [Member]
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance	1,751,000	2,848,000	2,502,000	2,654,000	2,654,000
Provision for Credit Losses	442,000	(536,000)	(309,000)	(344,000)
Charge-Offs	0	0	0	0
Recoveries	0	0	0	2,000
Net (Charge-Offs) Recoveries	0	0	0	2,000
Ending Balance	2,193,000	2,312,000	2,193,000	2,312,000	2,502,000
Real Estate - Commercial Mortgage [Member]
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance	6,076,000	5,453,000	5,782,000	4,815,000	4,815,000
Provision for Credit Losses	547,000	84,000	618,000	823,000
Charge-Offs	(3,000)	0	(3,000)	(120,000)	(120,000)
Recoveries	5,000	17,000	228,000	36,000
Net (Charge-Offs) Recoveries	2,000	17,000	225,000	(84,000)
Ending Balance	6,625,000	5,554,000	6,625,000	5,554,000	5,782,000
Real Estate - Residential [Member]
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance	14,788,000	13,388,000	15,056,000	10,741,000	10,741,000
Provision for Credit Losses	(240,000)	1,356,000	(551,000)	3,814,000
Charge-Offs	0	0	(17,000)	0	(79,000)
Recoveries	88,000	30,000	148,000	219,000
Net (Charge-Offs) Recoveries	88,000	30,000	131,000	219,000
Ending Balance	14,636,000	14,774,000	14,636,000	14,774,000	15,056,000
Real Estate - Home Equity [Member]
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance	1,865,000	1,783,000	1,818,000	1,864,000	1,864,000
Provision for Credit Losses	(49,000)	(71,000)	13,000	(269,000)
Charge-Offs	(23,000)	0	(99,000)	(39,000)	(39,000)
Recoveries	59,000	53,000	120,000	209,000
Net (Charge-Offs) Recoveries	36,000	53,000	21,000	170,000
Ending Balance	1,852,000	1,765,000	1,852,000	1,765,000	1,818,000
Consumer [Member]
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance	3,164,000	3,325,000	3,301,000	3,488,000	3,488,000
Provision for Credit Losses	1,045,000	1,219,000	3,310,000	3,218,000
Charge-Offs	(1,926,000)	(1,999,000)	(5,746,000)	(6,252,000)	(8,543,000)
Recoveries	693,000	794,000	2,111,000	2,885,000
Net (Charge-Offs) Recoveries	(1,233,000)	(1,205,000)	(3,635,000)	(3,367,000)
Ending Balance	$ 2,976,000	$ 3,339,000	$ 2,976,000	$ 3,339,000	$ 3,301,000