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SECURITIES SOLD UNDER AGREEMENTS TO REPURCHASE
12 Months Ended
Dec. 31, 2018
Disclosure of Repurchase Agreements [Abstract]  
SECURITIES SOLD UNDER AGREEMENTS TO REPURCHASE
SECURITIES SOLD UNDER AGREEMENTS TO REPURCHASE
 
At December 31, 2018 and 2017, retail repurchase agreements, defined as securities sold under agreements to repurchase from our customers, totaled $11.2 million and $67.1 million, respectively.  These retail repurchase agreements are secured overnight borrowings from customers, which may be drawn on demand.  The agreements bear interest at a rate determined by us.  The average rate of the outstanding agreements was 0.47% at December 31, 2018 and 2017.  The Company had pledged securities with a market value of $18.2 million and $67.9 million as collateral at December 31, 2018 and 2017, respectively.