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INCOME TAXES (Schedule of Reconciliations of the Statutory Federal Income Tax) (Details)
12 Months Ended
Dec. 31, 2019
Dec. 31, 2018
Income Tax Disclosure [Abstract]    
Federal income tax at statutory rate 21.00% 21.00%
State income taxes, net of federal benefit 1.00% 1.60%
Tax-exempt income (1.50%) (1.70%)
Earnings on investment in bank-owned life insurance (0.80%) (0.90%)
Rehabilitation and low-income housing credits (1.00%) (1.10%)
Reduction of federal tax rate 0.00% 0.00%
Other 0.50% (0.30%)
Effective Income Tax Rate, Total 19.20% 18.60%