7. ALLOWANCE FOR LOAN LOSSES (Details 1) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Loan receivable	$ 603,425	$ 638,799
Individually evaluated for impairment	23,781	17,430
Collectively evaluated for impairment	579,644	621,369
Construction/Land Development
Loan receivable	77,131	61,659
Individually evaluated for impairment	3,078	6,725
Collectively evaluated for impairment	74,053	54,934
Farmland
Loan receivable	29,718	17,030
Individually evaluated for impairment	1,933	1,941
Collectively evaluated for impairment	27,785	15,089
Real Estate
Loan receivable	178,267	192,278
Individually evaluated for impairment	15,535	2,354
Collectively evaluated for impairment	162,732	189,924
Multi-Family
Loan receivable	5,364	9,665
Individually evaluated for impairment	0	0
Collectively evaluated for impairment	5,364	9,665
Commercial Real Estate
Loan receivable	129,850	147,342
Individually evaluated for impairment	1,940	6,176
Collectively evaluated for impairment	127,910	141,166
Home Equity - Closed End
Loan receivable	9,523	11,039
Individually evaluated for impairment	716	0
Collectively evaluated for impairment	8,807	11,039
Home Equity - Open End
Loan receivable	47,774	53,197
Individually evaluated for impairment	151	0
Collectively evaluated for impairment	47,623	53,197
Commercial and Industrial Non-Real Estate
Loan receivable	33,535	36,021
Individually evaluated for impairment	209	0
Collectively evaluated for impairment	33,326	36,021
Consumer
Loan receivable	10,165	9,861
Individually evaluated for impairment	4	8
Collectively evaluated for impairment	10,161	9,853
Dealer Finance
Loan receivable	78,976	97,523
Individually evaluated for impairment	215	226
Collectively evaluated for impairment	78,761	97,297
Credit Cards
Loan receivable	3,122	3,184
Individually evaluated for impairment	0	0
Collectively evaluated for impairment	$ 3,122	$ 3,184