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DEPOSITS (Details) - USD ($)
Dec. 31, 2024
Dec. 31, 2023
DEPOSITS    
Non-interest bearing demand $ 203,583,000 $ 198,569,000
Interest bearing demand 278,869,000 275,472,000
Savings 195,310,000 212,280,000
Time certificates of deposits less than $250,000 327,236,000 259,841,000
Time certificates of deposits $250,000 or greater 39,782,000 33,185,000
Other time 1,100,000 1,092,000
Total deposits $ 1,045,880,000 $ 980,439,000