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LOANS (Details) - USD ($) $ in Thousands | Dec. 31, 2020 | Dec. 31, 2019 | Dec. 31, 2018
--- | --- | --- | ---
LOANS |  |  |
Loans receivable | $ 1,644,209 | $ 1,182,222 |
Allowance for loan losses | (11,385) | (9,836) | $ (9,309)
Loans, net | 1,632,824 | 1,172,386 |
Residential mortgage |  |  |
LOANS |  |  |
Loans receivable | 620,172 | 586,580 |
Allowance for loan losses | (4,253) | (4,182) | (3,986)
Residential mortgage | Real estate loan | first liens |  |  |
LOANS |  |  |
Loans receivable | 532,947 | 510,641 |
Allowance for loan losses | (3,524) | (3,405) | (3,156)
Residential mortgage | Real estate loan | junior liens |  |  |
LOANS |  |  |
Loans receivable | 27,311 | 27,503 |
Allowance for loan losses | (349) | (384) | (325)
Residential mortgage | Home equity lines of credit |  |  |
LOANS |  |  |
Loans receivable | 39,301 | 33,638 |
Allowance for loan losses | (281) | (276) | (302)
Residential mortgage | Construction Loans |  |  |
LOANS |  |  |
Loans receivable | 20,613 | 14,798 |
Allowance for loan losses | (99) | (117) | (203)
Commercial |  |  |
LOANS |  |  |
Loans receivable | 1,007,751 | 578,901 |
Allowance for loan losses | (6,308) | (4,788) | (4,591)
Commercial | Real estate loan |  |  |
LOANS |  |  |
Loans receivable | 531,810 | 301,227 |
Allowance for loan losses | (3,051) | (1,921) | (2,538)
Commercial | Construction Loans |  |  |
LOANS |  |  |
Loans receivable | 42,874 | 33,555 |
Allowance for loan losses | (454) | (966) | (110)
Commercial | Commercial and industrial |  |  |
LOANS |  |  |
Loans receivable | 159,577 | 126,374 |
Allowance for loan losses | (2,245) | (1,391) | (1,553)
Commercial | Small Business Administration - Paycheck Protection Program |  |  |
LOANS |  |  |
Loans receivable | 132,269 | 0 |
Allowance for loan losses | 0 |  |
Commercial | Political subdivisions |  |  |
LOANS |  |  |
Loans receivable | 53,221 | 53,570 |
Allowance for loan losses | 0 | 0 |
Commercial | Commercial Construction And Land |  |  |
LOANS |  |  |
Loans receivable | 42,874 |  |
Allowance for loan losses | (454) |  |
Commercial | Loans secured by farm land |  |  |
LOANS |  |  |
Loans receivable | 11,736 | 12,251 |
Allowance for loan losses | (120) | (158) | (102)
Commercial | Multi-family (5 or more) residential |  |  |
LOANS |  |  |
Loans receivable | 55,811 | 31,070 |
Allowance for loan losses | (236) | (156) | (114)
Commercial | Agricultural loans |  |  |
LOANS |  |  |
Loans receivable | 3,164 | 4,319 |
Allowance for loan losses | (34) | (41) | (46)
Commercial | Other commercial loans |  |  |
LOANS |  |  |
Loans receivable | 17,289 | 16,535 |
Allowance for loan losses | (168) | (155) | (128)
Consumer |  |  |
LOANS |  |  |
Loans receivable | 16,286 | 16,741 |
Allowance for loan losses | $ (239) | $ (281) | $ (233)

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