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LOANS (Details) - USD ($) $ in Thousands | Sep. 30, 2021 | Jun. 30, 2021 | Dec. 31, 2020 | Sep. 30, 2020 | Jun. 30, 2020 | Dec. 31, 2019
--- | --- | --- | --- | --- | --- | ---
LOANS |  |  |  |  |  |
Loans receivable | $ 1,575,708 |  | $ 1,644,209 |  |  |
Allowance for loan losses | (12,700) | $ (12,375) | (11,385) | $ (10,753) | $ (11,026) | $ (9,836)
Loans, net | 1,563,008 |  | 1,632,824 |  |  |
Commercial |  |  |  |  |  |
LOANS |  |  |  |  |  |
Loans receivable | 979,309 |  | 1,007,751 |  |  |
Allowance for loan losses | (7,433) | (7,118) | (6,308) | (5,629) | (5,858) | (4,788)
Commercial | Real estate loan |  |  |  |  |  |
LOANS |  |  |  |  |  |
Loans receivable | 553,389 |  | 531,810 |  |  |
Allowance for loan losses | (3,820) | (3,452) | (3,051) | (2,386) | (2,426) | (1,921)
Commercial | Commercial and industrial |  |  |  |  |  |
LOANS |  |  |  |  |  |
Loans receivable | 152,244 |  | 159,577 |  |  |
Allowance for loan losses | (2,540) | (2,781) | (2,245) | (2,251) | (2,496) | (1,391)
Commercial | Paycheck Protection Program - 1st Draw |  |  |  |  |  |
LOANS |  |  |  |  |  |
Loans receivable | 5,747 |  | 132,269 |  |  |
Allowance for loan losses | 0 |  | 0 |  |  |
Commercial | Paycheck Protection Program - 2nd Draw |  |  |  |  |  |
LOANS |  |  |  |  |  |
Loans receivable | 56,981 |  | 0 |  |  |
Allowance for loan losses | 0 |  |  |  |  |
Commercial | Political subdivisions |  |  |  |  |  |
LOANS |  |  |  |  |  |
Loans receivable | 73,503 |  | 53,221 |  |  |
Allowance for loan losses | 0 |  | 0 |  |  |
Commercial | Construction Loans |  |  |  |  |  |
LOANS |  |  |  |  |  |
Loans receivable | 53,267 |  | 42,874 |  |  |
Allowance for loan losses | (559) |  | (454) |  |  |
Commercial | Commercial Construction And Land |  |  |  |  |  |
LOANS |  |  |  |  |  |
Allowance for loan losses | (559) | (452) | (454) | (440) | (420) | (966)
Commercial | Loans secured by farm land |  |  |  |  |  |
LOANS |  |  |  |  |  |
Loans receivable | 10,812 |  | 11,736 |  |  |
Allowance for loan losses | (112) | (113) | (120) | (121) | (146) | (158)
Commercial | Multi-family (5 or more) residential |  |  |  |  |  |
LOANS |  |  |  |  |  |
Loans receivable | 52,962 |  | 55,811 |  |  |
Allowance for loan losses | (196) | (150) | (236) | (227) | (163) | (156)
Commercial | Agricultural loans |  |  |  |  |  |
LOANS |  |  |  |  |  |
Loans receivable | 3,092 |  | 3,164 |  |  |
Allowance for loan losses | (33) | (25) | (34) | (37) | (40) | (41)
Commercial | Other commercial loans |  |  |  |  |  |
LOANS |  |  |  |  |  |
Loans receivable | 17,312 |  | 17,289 |  |  |
Allowance for loan losses | (173) | (145) | (168) | (167) | (167) | (155)
Residential mortgage |  |  |  |  |  |
LOANS |  |  |  |  |  |
Loans receivable | 578,863 |  | 620,172 |  |  |
Allowance for loan losses | (4,359) | (4,355) | (4,253) | (4,281) | (4,320) | (4,182)
Residential mortgage | first liens |  |  |  |  |  |
LOANS |  |  |  |  |  |
Allowance for loan losses | (3,566) |  | (3,524) | (3,465) |  | (3,405)
Residential mortgage | junior liens |  |  |  |  |  |
LOANS |  |  |  |  |  |
Allowance for loan losses | (321) |  | (349) | (358) |  | (384)
Residential mortgage | Real estate loan | first liens |  |  |  |  |  |
LOANS |  |  |  |  |  |
Loans receivable | 494,376 |  | 532,947 |  |  |
Allowance for loan losses | (3,566) | (3,536) | (3,524) | (3,465) | (3,531) |
Residential mortgage | Real estate loan | junior liens |  |  |  |  |  |
LOANS |  |  |  |  |  |
Loans receivable | 24,303 |  | 27,311 |  |  |
Allowance for loan losses | (321) | (327) | (349) | (358) | (365) |
Residential mortgage | Construction Loans |  |  |  |  |  |
LOANS |  |  |  |  |  |
Loans receivable | 21,719 |  | 20,613 |  |  |
Allowance for loan losses | (189) |  | (99) |  |  |
Residential mortgage | Home equity lines of credit |  |  |  |  |  |
LOANS |  |  |  |  |  |
Loans receivable | 38,465 |  | 39,301 |  |  |
Allowance for loan losses | (283) | (294) | (281) | (289) | (287) | (276)
Consumer |  |  |  |  |  |
LOANS |  |  |  |  |  |
Loans receivable | 17,536 |  | 16,286 |  |  |
Allowance for loan losses | $ (237) | $ (231) | $ (239) | $ (258) | $ (263) | $ (281)

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