LOANS - Composition of loans receivable by risk rating grade (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Pass
Residential 1-4 family	$ 337,520	$ 307,240
Residential 5+ multifamily	34,726	16,129
Construction of residential 1-4 family	12,041	11,197
Home equity lines of credit	33,728	32,891
Residential real estate	418,015	367,457
Commercial	270,461	232,492
Construction of commercial	8,482	9,622
Commercial real estate	278,943	242,114
Farm land	3,969	4,024
Vacant land	8,253	7,806
Real estate secured	709,180	621,401
Commercial and industrial	159,127	129,219
Municipal	14,344	17,494
Consumer	4,502	4,744
Loans receivable, gross	887,153	772,858
Special mention
Residential 1-4 family	4,281	6,452
Residential 5+ multifamily	784	957
Construction of residential 1-4 family
Home equity lines of credit	265	710
Residential real estate	5,330	8,119
Commercial	4,530	4,456
Construction of commercial
Commercial real estate	4,530	4,456
Farm land
Vacant land	69	77
Real estate secured	9,929	12,652
Commercial and industrial	2,672	2,536
Municipal
Consumer	10	50
Loans receivable, gross	12,611	15,238
Substandard
Residential 1-4 family	4,061	3,947
Residential 5+ multifamily	1,000	1,022
Construction of residential 1-4 family
Home equity lines of credit	440	170
Residential real estate	5,501	5,139
Commercial	8,608	12,363
Construction of commercial	494	366
Commercial real estate	9,102	12,729
Farm land	216	250
Vacant land
Real estate secured	14,819	18,118
Commercial and industrial	1,106	976
Municipal
Consumer
Loans receivable, gross	15,925	19,094
Doubtful
Residential 1-4 family
Residential 5+ multifamily
Construction of residential 1-4 family
Home equity lines of credit
Residential real estate
Commercial
Construction of commercial
Commercial real estate
Farm land
Vacant land
Real estate secured
Commercial and industrial
Municipal
Consumer
Loans receivable, gross
Loss
Residential 1-4 family
Residential 5+ multifamily
Construction of residential 1-4 family
Home equity lines of credit
Residential real estate
Commercial
Construction of commercial
Commercial real estate
Farm land
Vacant land
Real estate secured
Commercial and industrial
Municipal
Consumer
Loans receivable, gross
Total
Residential 1-4 family	345,862	317,639
Residential 5+ multifamily	36,510	18,108
Construction of residential 1-4 family	12,041	11,197
Home equity lines of credit	34,433	33,771
Residential real estate	428,846	380,715
Commercial	283,599	249,311
Construction of commercial	8,976	9,988
Commercial real estate	292,575	259,299
Farm land	4,185	4,274
Vacant land	8,322	7,883
Real estate secured	733,928	652,171
Commercial and industrial	162,905	132,731
Municipal	14,344	17,494
Consumer	4,512	4,794
Loans receivable, gross	$ 915,689	$ 807,190

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The fair value as of the balance sheet date of firm holdings in fixed income obligations issued by state and local governments and authorities. Includes both pledged (to counterparties as collateral for financing transactions) and unpledged holdings.

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The net carrying amount as of the balance sheet date of the sum of the various components of an operative builder's inventory, including finished homes. Operative builders primarily consist of entities that develop land, construct residential homes and commercial and industrial buildings thereon, and sell them to home buyers and operators of the commercial and industrial properties.

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Total of (1) improvements, (2) held-for-sale, (3) land and land under development, (4) construction-in-process, (5) mortgage loans held-in-inventory, and (6) other real estate investments which are considered inventory due to being held for sale or disposition.

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Cost of real estate projects incurred for projects for eventual sale or transfer (condominium or time share projects, vacation clubs).

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Carrying amount as of the balance sheet date, net of valuation allowances and impairment losses, of costs of land expected to be developed in the near term plus capitalized costs of development, for purposes of selling completed units to home buyers or commercial or industrial entities..

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Represents mortgage loans held in inventory primarily for sale to others (third parties, businesses, legal entities) in the ordinary course of business.

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Amount of investment in certain other real estate investments not specifically identified elsewhere in the existing taxonomy.

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Amount before allowance of loans and leases held in portfolio, including but not limited to, commercial and consumer loans. Includes deferred interest and fees, undisbursed portion of loan balance, unamortized costs and premiums and discounts from face amounts. Excludes loans and leases covered under loss sharing agreements.

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Amount before allowance and after deduction of deferred interest and fees, unamortized costs and premiums and discounts from face amounts, of loans and leases held in portfolio, including but not limited to, commercial and consumer loans. Excludes loans and leases covered under loss sharing agreements.

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The balance represents the amount of loans that are secured by real estate mortgages, offset by the reserve to cover probable credit losses on the loan portfolio.

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