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LOANS HELD FOR INVESTMENT AND ALLOWANCE FOR CREDIT LOSSES (Activity in allowance for credit losses) (Details) - USD ($)
 3 Months Ended 9 Months Ended
Sep. 30, 2023
Sep. 30, 2022
Sep. 30, 2023
Sep. 30, 2022
Financing Receivable, Allowance for Credit Loss [Roll Forward]        
Beginning Balance $ 28,243,000 $ 21,463,000 $ 25,068,000 $ 21,606,000
Provision for Credit Losses 1,993,000 1,986,000 7,175,000 3,759,000
Charge-Offs (2,075,000) (1,762,000) (6,705,000) (5,833,000)
Recoveries 922,000 1,060,000 3,545,000 3,215,000
Net (Charge-Offs) Recoveries (1,153,000) (702,000) (3,160,000) (2,618,000)
Ending Balance 29,083,000 22,747,000 29,083,000 22,747,000
Commercial, Financial and Agricultural [Member]        
Financing Receivable, Allowance for Credit Loss [Roll Forward]        
Beginning Balance 1,446,000 1,641,000 1,506,000 2,191,000
Provision for Credit Losses (59,000) (136,000) (67,000) 267,000
Charge-Offs (76,000) (2,000) (294,000) (1,179,000)
Recoveries 28,000 58,000 194,000 282,000
Net (Charge-Offs) Recoveries (48,000) 56,000 (100,000) (897,000)
Ending Balance 1,339,000 1,561,000 1,339,000 1,561,000
Real Estate - Construction [Member]        
Financing Receivable, Allowance for Credit Loss [Roll Forward]        
Beginning Balance 2,848,000 3,138,000 2,654,000 3,302,000
Provision for Credit Losses (536,000) (22,000) (344,000) (194,000)
Charge-Offs 0 0 0 0
Recoveries 0 2,000 2,000 10,000
Net (Charge-Offs) Recoveries 0 2,000 2,000 10,000
Ending Balance 2,312,000 3,118,000 2,312,000 3,118,000
Real Estate - Commercial Mortgage [Member]        
Financing Receivable, Allowance for Credit Loss [Roll Forward]        
Beginning Balance 5,453,000 5,052,000 4,815,000 5,810,000
Provision for Credit Losses 84,000 (120,000) 823,000 (697,000)
Charge-Offs 0 (1,000) (120,000) (267,000)
Recoveries 17,000 8,000 36,000 93,000
Net (Charge-Offs) Recoveries 17,000 7,000 (84,000) (174,000)
Ending Balance 5,554,000 4,939,000 5,554,000 4,939,000
Real Estate - Residential [Member]        
Financing Receivable, Allowance for Credit Loss [Roll Forward]        
Beginning Balance 13,388,000 5,827,000 10,741,000 4,129,000
Provision for Credit Losses 1,356,000 1,388,000 3,814,000 2,944,000
Charge-Offs 0 0 0 0
Recoveries 30,000 44,000 219,000 186,000
Net (Charge-Offs) Recoveries 30,000 44,000 219,000 186,000
Ending Balance 14,774,000 7,259,000 14,774,000 7,259,000
Real Estate - Home Equity [Member]        
Financing Receivable, Allowance for Credit Loss [Roll Forward]        
Beginning Balance 1,783,000 1,760,000 1,864,000 2,296,000
Provision for Credit Losses (71,000) 127,000 (269,000) (501,000)
Charge-Offs 0 0 (39,000) (33,000)
Recoveries 53,000 22,000 209,000 147,000
Net (Charge-Offs) Recoveries 53,000 22,000 170,000 114,000
Ending Balance 1,765,000 1,909,000 1,765,000 1,909,000
Consumer [Member]        
Financing Receivable, Allowance for Credit Loss [Roll Forward]        
Beginning Balance 3,325,000 4,045,000 3,488,000 3,878,000
Provision for Credit Losses 1,219,000 749,000 3,218,000 1,940,000
Charge-Offs (1,999,000) (1,759,000) (6,252,000) (4,354,000)
Recoveries 794,000 926,000 2,885,000 2,497,000
Net (Charge-Offs) Recoveries (1,205,000) (833,000) (3,367,000) (1,857,000)
Ending Balance $ 3,339,000 $ 3,961,000 $ 3,339,000 $ 3,961,000