Unearned discounts (other than cash or quantity discounts and the like), finance charges, and interest included in the face amount of receivables, that are shown as a deduction from the related receivables. For example, 1) finance charges booked as a receivable when a loan is made and recognized as income at a later date; and 2) interest charges deducted from the face loan amount, resulting in a discounted amount actually advanced to the borrower (wherein the receivable includes the amount actually advanced to the borrower and the as yet unearned interest income).

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Amount of deferred interest and fee income, unamortized costs incurred to originate loans and leases, unamortized loan commitments and loan syndication fees, and premiums over or discounts from face amounts of acquired loans. Excludes amounts for loans and leases covered under loss sharing agreements.

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Amount before allowance of loans and leases held in portfolio, including but not limited to, commercial and consumer loans. Includes deferred interest and fees, undisbursed portion of loan balance, unamortized costs and premiums and discounts from face amounts. Excludes loans and leases covered under loss sharing agreements.

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LOANS AND ALLOWANCE FOR LOAN LOSSES (Details) - USD ($)	Jun. 30, 2020	Dec. 31, 2019	Jun. 30, 2019
Financing Receivable, Recorded Investment [Line Items]
Add (deduct): Unearned discount	$ 0	$ 0
Net deferred loan fees and costs	906,000	1,373,000
Total loans	676,914,000	647,732,000	$ 612,081,000
Government Guaranteed Loans
Financing Receivable, Recorded Investment [Line Items]
Loans	5,926,000	6,150,000
Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	664,231,000	631,472,000
Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	0	1,146,000
Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	11,777,000	13,741,000
Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	0	0
Commercial and Industrial [Member]
Financing Receivable, Recorded Investment [Line Items]
Add (deduct): Unearned discount	0	0
Net deferred loan fees and costs	167,000	643,000
Total loans	100,293,000	86,712,000	81,553,000
Commercial and Industrial [Member] \| Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	99,225,000	84,999,000
Commercial and Industrial [Member] \| Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	0	2,000
Commercial and Industrial [Member] \| Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	901,000	1,068,000
Commercial and Industrial [Member] \| Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	0	0
Commercial Real Estate [Member]
Financing Receivable, Recorded Investment [Line Items]
Add (deduct): Unearned discount	0	0
Net deferred loan fees and costs	770,000	757,000
Total loans	416,480,000	395,801,000	364,390,000
Commercial Real Estate [Member] \| Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	405,929,000	382,510,000
Commercial Real Estate [Member] \| Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	0	944,000
Commercial Real Estate [Member] \| Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	9,781,000	11,590,000
Commercial Real Estate [Member] \| Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	0	0
Residential Real Estate [Member]
Financing Receivable, Recorded Investment [Line Items]
Add (deduct): Unearned discount	0	0
Net deferred loan fees and costs	(109,000)	(116,000)
Total loans	154,794,000	159,350,000	160,362,000
Residential Real Estate [Member] \| Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	153,816,000	158,301,000
Residential Real Estate [Member] \| Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	0	117,000
Residential Real Estate [Member] \| Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	1,087,000	1,048,000
Residential Real Estate [Member] \| Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	0	0
Consumer [Member]
Financing Receivable, Recorded Investment [Line Items]
Add (deduct): Unearned discount	0	0
Net deferred loan fees and costs	78,000	89,000
Total loans	5,347,000	5,869,000	$ 5,776,000
Consumer [Member] \| Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	5,261,000	5,662,000
Consumer [Member] \| Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	0	83,000
Consumer [Member] \| Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	8,000	35,000
Consumer [Member] \| Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	$ 0	$ 0