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LOANS (Details) - USD ($) $ in Thousands | Dec. 31, 2022 | Dec. 31, 2021 | Dec. 31, 2020 | Dec. 31, 2019
--- | --- | --- | --- | ---
LOANS |  |  |  |
Loans and Leases Receivable, Gross, Total | $ 1,740,040 | $ 1,564,849 |  |
Allowance for loan losses | (16,615) | (13,537) | $ (11,385) | $ (9,836)
Loans, net | 1,723,425 | 1,551,312 |  |
Commercial |  |  |  |
LOANS |  |  |  |
Loans and Leases Receivable, Gross, Total | 1,111,498 | 978,371 |  |
Allowance for loan losses | (11,298) | (8,293) | (6,308) | (4,788)
Commercial | Real estate loan |  |  |  |
LOANS |  |  |  |
Loans and Leases Receivable, Gross, Total | 682,249 | 569,840 |  |
Allowance for loan losses | (7,074) | (4,405) | (3,051) | (1,921)
Commercial | Commercial and industrial |  |  |  |
LOANS |  |  |  |
Loans and Leases Receivable, Gross, Total | 178,271 | 159,073 |  |
Allowance for loan losses | (2,909) | (2,723) | (2,245) | (1,391)
Commercial | Paycheck Protection Program - 1st Draw |  |  |  |
LOANS |  |  |  |
Loans and Leases Receivable, Gross, Total | 5 | 1,356 |  |
Allowance for loan losses | 0 | 0 |  |
Commercial | Paycheck Protection Program - 2nd Draw |  |  |  |
LOANS |  |  |  |
Loans and Leases Receivable, Gross, Total | 163 | 25,508 |  |
Allowance for loan losses | 0 | 0 |  |
Commercial | Political subdivisions |  |  |  |
LOANS |  |  |  |
Loans and Leases Receivable, Gross, Total | 90,719 | 81,301 |  |
Allowance for loan losses | 0 | 0 |  |
Commercial | Construction Loans |  |  |  |
LOANS |  |  |  |
Loans and Leases Receivable, Gross, Total | 73,963 | 60,579 |  |
Commercial | Commercial Construction And Land |  |  |  |
LOANS |  |  |  |
Loans and Leases Receivable, Gross, Total | 73,963 | 60,579 |  |
Allowance for loan losses | (647) | (637) | (454) | (966)
Commercial | Loans secured by farm land |  |  |  |
LOANS |  |  |  |
Loans and Leases Receivable, Gross, Total | 12,950 | 11,121 |  |
Allowance for loan losses | (112) | (115) | (120) | (158)
Commercial | Multi-family (5 or more) residential |  |  |  |
LOANS |  |  |  |
Loans and Leases Receivable, Gross, Total | 55,886 | 50,089 |  |
Allowance for loan losses | (411) | (215) | (236) | (156)
Commercial | Agricultural loans |  |  |  |
LOANS |  |  |  |
Loans and Leases Receivable, Gross, Total | 2,435 | 2,351 |  |
Allowance for loan losses | (21) | (25) | (34) | (41)
Commercial | Other commercial loans |  |  |  |
LOANS |  |  |  |
Loans and Leases Receivable, Gross, Total | 14,857 | 17,153 |  |
Allowance for loan losses | (124) | (173) | (168) | (155)
Residential mortgage |  |  |  |
LOANS |  |  |  |
Loans and Leases Receivable, Gross, Total | 609,106 | 569,346 |  |
Allowance for loan losses | (4,073) | (4,338) | (4,253) | (4,182)
Residential mortgage | Real estate loan |  |  |  |
LOANS |  |  |  |
Loans and Leases Receivable, Gross, Total | 682,249 |  |  |
Residential mortgage | Real estate loan | first liens |  |  |  |
LOANS |  |  |  |
Loans and Leases Receivable, Gross, Total | 509,782 | 483,629 |  |
Allowance for loan losses | (3,413) | (3,650) | (3,524) | (3,405)
Residential mortgage | Real estate loan | junior liens |  |  |  |
LOANS |  |  |  |
Loans and Leases Receivable, Gross, Total | 24,949 | 23,314 |  |
Allowance for loan losses | (167) | (184) | (349) | (384)
Residential mortgage | Construction Loans |  |  |  |
LOANS |  |  |  |
Loans and Leases Receivable, Gross, Total | 30,577 | 23,151 |  |
Allowance for loan losses |  | (202) | (99) |
Residential mortgage | Home equity lines of credit |  |  |  |
LOANS |  |  |  |
Loans and Leases Receivable, Gross, Total | 43,798 | 39,252 |  |
Allowance for loan losses | (282) | (302) | (281) | (276)
Residential mortgage | 1-4 Family residential construction |  |  |  |
LOANS |  |  |  |
Loans and Leases Receivable, Gross, Total | 30,577 | 23,151 |  |
Allowance for loan losses | (211) | (202) | (99) | (117)
Consumer |  |  |  |
LOANS |  |  |  |
Loans and Leases Receivable, Gross, Total | 19,436 | 17,132 |  |
Allowance for loan losses | $ (244) | $ (235) | $ (239) | $ (281)

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