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FINANCIAL INSTRUMENTS WITH OFF-BALANCE SHEET RISK (Tables)
 12 Months Ended
Dec. 31, 2019
FINANCIAL INSTRUMENTS WITH OFF-BALANCE SHEET RISK [Abstract]  
Financial Instruments Whose Approximate Contract Amounts Represent Credit Risk
At December 31, 2019 and 2018, the Banks had the following financial instruments whose approximate contract amounts represent credit risk:

  
2019
  
2018
 
Standby letters of credit
 
$
2,419
  
$
4,424
 
         
Commitments to extend credit
        
Fixed
 
$
25,591
  
$
21,993
 
Variable
  
120,185
   
118,328