COMMITMENTS, CONTINGENCIES, AND CONCENTRATIONS OF CREDIT RISK (Tables)

12 Months Ended

Dec. 31, 2020

COMMITMENTS, CONTINGENCIES, AND CONCENTRATIONS OF CREDIT RISK

Schedule of financial instruments with off balancesheet risk

The contractual amounts of financial instruments with off-balance-sheet risk at year-end were as follows:

	2020				2019
($ in thousands)	Fixed Rate		Variable Rate		Fixed Rate		Variable Rate
Commitments to make loans	$	97,738	$	16,203	$	42,774	$	5,676
Unused lines of credit		157,006		195,221		137,966		208,728
Standby letters of credit		4,182		11,486		3,648		8,475