DEPOSITS (Details) - USD ($)	Dec. 31, 2021	Dec. 31, 2020
DEPOSITS
Non-interest bearing demand	$ 249,040,000	$ 198,499,000
Interest bearing demand	395,033,000	330,253,000
Savings	260,804,000	214,908,000
Time certificates of deposits less than $250,000	158,914,000	177,652,000
Time certificates of deposits $250,000 or greater	13,030,000	15,029,000
Other time	1,148,000	1,147,000
Total deposits	$ 1,077,969,000	$ 937,488,000