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INCOME TAXES (Schedule of Reconciliations of the Statutory Federal Income Tax) (Details)
12 Months Ended
Dec. 31, 2020
Dec. 31, 2019
Income Tax Disclosure [Abstract]    
Federal income tax at statutory rate 21.00% 21.00%
State income taxes, net of federal benefit 2.60% 1.00%
Tax-exempt income (2.00%) (1.50%)
Earnings on investment in bank-owned life insurance (1.30%) (0.80%)
Rehabilitation and low-income housing credits (1.10%) (1.00%)
Reduction of federal tax rate 0.00% 0.00%
Other (0.10%) 0.50%
Effective Income Tax Rate, Total 19.10% 19.20%