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LOANS (Details) - USD ($) $ in Thousands | Jun. 30, 2022 | Mar. 31, 2022 | Dec. 31, 2021 | Jun. 30, 2021 | Mar. 31, 2021 | Dec. 31, 2020
--- | --- | --- | --- | --- | --- | ---
LOANS |  |  |  |  |  |
Loans receivable | $ 1,657,604 |  | $ 1,564,849 |  |  |
Allowance for loan losses | (14,547) | $ (14,271) | (13,537) | $ (12,375) | $ (11,661) | $ (11,385)
Loans, net | 1,643,057 |  | 1,551,312 |  |  |
Commercial |  |  |  |  |  |
LOANS |  |  |  |  |  |
Loans receivable | 1,066,556 |  | 978,371 |  |  |
Allowance for loan losses | (8,894) | (8,922) | (8,293) | (7,118) | (6,564) | (6,308)
Commercial | Real estate loan |  |  |  |  |  |
LOANS |  |  |  |  |  |
Loans receivable | 656,892 |  | 569,840 |  |  |
Allowance for loan losses | (4,982) | (5,017) | (4,405) | (3,452) | (3,350) | (3,051)
Commercial | Commercial and industrial |  |  |  |  |  |
LOANS |  |  |  |  |  |
Loans receivable | 171,999 |  | 159,073 |  |  |
Allowance for loan losses | (2,792) | (2,841) | (2,723) | (2,781) | (2,187) | (2,245)
Commercial | Paycheck Protection Program - 1st Draw |  |  |  |  |  |
LOANS |  |  |  |  |  |
Loans receivable | 44 |  | 1,356 |  |  |
Allowance for loan losses | 0 |  | 0 |  |  |
Commercial | Paycheck Protection Program - 2nd Draw |  |  |  |  |  |
LOANS |  |  |  |  |  |
Loans receivable | 6,208 |  | 25,508 |  |  |
Allowance for loan losses | 0 |  | 0 |  |  |
Commercial | Political subdivisions |  |  |  |  |  |
LOANS |  |  |  |  |  |
Loans receivable | 87,512 |  | 81,301 |  |  |
Allowance for loan losses | 0 |  | 0 |  |  |
Commercial | Construction Loans |  |  |  |  |  |
LOANS |  |  |  |  |  |
Loans receivable | 58,786 |  | 60,579 |  |  |
Commercial | Commercial Construction And Land |  |  |  |  |  |
LOANS |  |  |  |  |  |
Loans receivable | 58,786 |  | 60,579 |  |  |
Allowance for loan losses | (515) | (391) | (637) | (452) | (476) | (454)
Commercial | Loans secured by farm land |  |  |  |  |  |
LOANS |  |  |  |  |  |
Loans receivable | 12,967 |  | 11,121 |  |  |
Allowance for loan losses | (112) | (129) | (115) | (113) | (111) | (120)
Commercial | Multi-family (5 or more) residential |  |  |  |  |  |
LOANS |  |  |  |  |  |
Loans receivable | 53,753 |  | 50,089 |  |  |
Allowance for loan losses | (339) | (367) | (215) | (150) | (255) | (236)
Commercial | Agricultural loans |  |  |  |  |  |
LOANS |  |  |  |  |  |
Loans receivable | 2,628 |  | 2,351 |  |  |
Allowance for loan losses | (23) | (27) | (25) | (25) | (26) | (34)
Commercial | Other commercial loans |  |  |  |  |  |
LOANS |  |  |  |  |  |
Loans receivable | 15,767 |  | 17,153 |  |  |
Allowance for loan losses | (131) | (150) | (173) | (145) | (159) | (168)
Residential mortgage |  |  |  |  |  |
LOANS |  |  |  |  |  |
Loans receivable | 572,499 |  | 569,346 |  |  |
Allowance for loan losses | (4,392) | (4,445) | (4,338) | (4,355) | (4,200) | (4,253)
Residential mortgage | Real estate loan | first liens |  |  |  |  |  |
LOANS |  |  |  |  |  |
Loans receivable | 482,505 |  | 483,629 |  |  |
Allowance for loan losses | (3,689) | (3,810) | (3,650) | (3,536) | (3,507) | (3,524)
Residential mortgage | Real estate loan | junior liens |  |  |  |  |  |
LOANS |  |  |  |  |  |
Loans receivable | 23,036 |  | 23,314 |  |  |
Allowance for loan losses | (180) | (181) | (184) | (327) | (334) | (349)
Residential mortgage | Home equity lines of credit |  |  |  |  |  |
LOANS |  |  |  |  |  |
Loans receivable | 40,887 |  | 39,252 |  |  |
Allowance for loan losses | (308) | (306) | (302) | (294) | (281) | (281)
Residential mortgage | 1-4 Family residential construction |  |  |  |  |  |
LOANS |  |  |  |  |  |
Loans receivable | 26,071 |  | 23,151 |  |  |
Allowance for loan losses | (215) | (148) | (202) | (198) | (78) | (99)
Consumer |  |  |  |  |  |
LOANS |  |  |  |  |  |
Loans receivable | 18,549 |  | 17,132 |  |  |
Allowance for loan losses | $ (261) | $ (237) | $ (235) | $ (231) | $ (220) | $ (239)

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