DEPOSITS (Details) - USD ($)	Dec. 31, 2020	Dec. 31, 2019
DEPOSITS
Non-interest bearing demand	$ 198,499,000	$ 134,648,000
Interest bearing demand	330,253,000	218,847,000
Savings	214,908,000	173,069,000
Time certificates of deposits less than $250,000	177,652,000	210,916,000
Time certificates of deposits $250,000 or greater	15,029,000	23,006,000
Other time deposits	1,147,000	1,142,000
Total deposits	$ 937,488,000	$ 761,628,000