DEPOSITS (Details) - USD ($)	Dec. 31, 2023	Dec. 31, 2022
DEPOSITS
Non-interest bearing demand	$ 198,569,000	$ 231,754,000
Interest bearing demand	275,472,000	335,559,000
Savings	212,280,000	260,086,000
Time certificates of deposits less than $250,000	259,841,000	151,575,000
Time certificates of deposits $250,000 or greater	33,185,000	13,400,000
Other time	1,092,000	1,125,000
Total deposits	$ 980,439,000	$ 993,499,000