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LOANS (Details) - USD ($) $ in Thousands | Sep. 30, 2022 | Jun. 30, 2022 | Dec. 31, 2021 | Sep. 30, 2021 | Jun. 30, 2021 | Dec. 31, 2020
--- | --- | --- | --- | --- | --- | ---
LOANS |  |  |  |  |  |
Loans and Leases Receivable, Gross, Total | $ 1,690,246 |  | $ 1,564,849 |  |  |
Allowance for loan losses | (16,170) | $ (14,547) | (13,537) | $ (12,700) | $ (12,375) | $ (11,385)
Loans, net | 1,674,076 |  | 1,551,312 |  |  |
Commercial |  |  |  |  |  |
LOANS |  |  |  |  |  |
Loans and Leases Receivable, Gross, Total | 1,082,355 |  | 978,371 |  |  |
Allowance for loan losses | (10,238) | (8,894) | (8,293) | (7,433) | (7,118) | (6,308)
Commercial | Real estate loan |  |  |  |  |  |
LOANS |  |  |  |  |  |
Loans and Leases Receivable, Gross, Total | 658,861 |  | 569,840 |  |  |
Allowance for loan losses | (6,047) | (4,982) | (4,405) | (3,820) | (3,452) | (3,051)
Commercial | Commercial and industrial |  |  |  |  |  |
LOANS |  |  |  |  |  |
Loans and Leases Receivable, Gross, Total | 172,258 |  | 159,073 |  |  |
Allowance for loan losses | (2,823) | (2,792) | (2,723) | (2,540) | (2,781) | (2,245)
Commercial | Paycheck Protection Program - 1st Draw |  |  |  |  |  |
LOANS |  |  |  |  |  |
Loans and Leases Receivable, Gross, Total | 24 |  | 1,356 |  |  |
Allowance for loan losses | 0 |  | 0 |  |  |
Commercial | Paycheck Protection Program - 2nd Draw |  |  |  |  |  |
LOANS |  |  |  |  |  |
Loans and Leases Receivable, Gross, Total | 2,011 |  | 25,508 |  |  |
Allowance for loan losses | 0 |  | 0 |  |  |
Commercial | Political subdivisions |  |  |  |  |  |
LOANS |  |  |  |  |  |
Loans and Leases Receivable, Gross, Total | 83,725 |  | 81,301 |  |  |
Allowance for loan losses | 0 |  | 0 |  |  |
Commercial | Construction Loans |  |  |  |  |  |
LOANS |  |  |  |  |  |
Loans and Leases Receivable, Gross, Total | 76,194 |  | 60,579 |  |  |
Commercial | Commercial Construction And Land |  |  |  |  |  |
LOANS |  |  |  |  |  |
Loans and Leases Receivable, Gross, Total | 76,194 |  | 60,579 |  |  |
Allowance for loan losses | (684) | (515) | (637) | (559) | (452) | (454)
Commercial | Loans secured by farm land |  |  |  |  |  |
LOANS |  |  |  |  |  |
Loans and Leases Receivable, Gross, Total | 12,839 |  | 11,121 |  |  |
Allowance for loan losses | (113) | (112) | (115) | (112) | (113) | (120)
Commercial | Multi-family (5 or more) residential |  |  |  |  |  |
LOANS |  |  |  |  |  |
Loans and Leases Receivable, Gross, Total | 59,315 |  | 50,089 |  |  |
Allowance for loan losses | (427) | (339) | (215) | (196) | (150) | (236)
Commercial | Agricultural loans |  |  |  |  |  |
LOANS |  |  |  |  |  |
Loans and Leases Receivable, Gross, Total | 2,492 |  | 2,351 |  |  |
Allowance for loan losses | (22) | (23) | (25) | (33) | (25) | (34)
Commercial | Other commercial loans |  |  |  |  |  |
LOANS |  |  |  |  |  |
Loans and Leases Receivable, Gross, Total | 14,636 |  | 17,153 |  |  |
Allowance for loan losses | (122) | (131) | (173) | (173) | (145) | (168)
Residential mortgage |  |  |  |  |  |
LOANS |  |  |  |  |  |
Loans and Leases Receivable, Gross, Total | 589,984 |  | 569,346 |  |  |
Allowance for loan losses | (4,697) | (4,392) | (4,338) | (4,359) | (4,355) | (4,253)
Residential mortgage | Real estate loan | first liens |  |  |  |  |  |
LOANS |  |  |  |  |  |
Loans and Leases Receivable, Gross, Total | 492,854 |  | 483,629 |  |  |
Allowance for loan losses | (3,919) | (3,689) | (3,650) | (3,566) | (3,536) | (3,524)
Residential mortgage | Real estate loan | junior liens |  |  |  |  |  |
LOANS |  |  |  |  |  |
Loans and Leases Receivable, Gross, Total | 24,208 |  | 23,314 |  |  |
Allowance for loan losses | (194) | (180) | (184) | (321) | (327) | (349)
Residential mortgage | Home equity lines of credit |  |  |  |  |  |
LOANS |  |  |  |  |  |
Loans and Leases Receivable, Gross, Total | 42,972 |  | 39,252 |  |  |
Allowance for loan losses | (333) | (308) | (302) | (283) | (294) | (281)
Residential mortgage | 1-4 Family residential construction |  |  |  |  |  |
LOANS |  |  |  |  |  |
Loans and Leases Receivable, Gross, Total | 29,950 |  | 23,151 |  |  |
Allowance for loan losses | (251) | (215) | (202) | (189) | (198) | (99)
Consumer |  |  |  |  |  |
LOANS |  |  |  |  |  |
Loans and Leases Receivable, Gross, Total | 17,907 |  | 17,132 |  |  |
Allowance for loan losses | $ (235) | $ (261) | $ (235) | $ (237) | $ (231) | $ (239)

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