COMMITMENTS AND CONTINGENT LIABILITIES (Tables)

12 Months Ended

Dec. 31, 2021

Commitments and Contingencies Disclosure [Abstract]

Financial Instruments Whose Contract Amounts Represent Off-Balance-Sheet Credit Risk

Financial instruments whose contract amounts represent off-balance-sheet credit risk at December 31 were as follows (in thousands):

	2021		2020
Commitments to extend credit:
Commercial loans	$	82,578	24,581
Other loans:
Fixed rate	5,196		14,668
Adjustable rate	2,784		4,386
Unused lines of credit:
Fixed rate	32,655		24,205
Adjustable rate	150,746		133,073
Unused overdraft protection amounts on demand and NOW accounts	16,711		16,471
Standby letters of credit	5		243
	$	290,675	217,627