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INCOME TAXES, Deferred Tax Assets and Liabilities (Details) - USD ($) $ in Thousands | Dec. 31, 2021 | Dec. 31, 2020
--- | --- | ---
Deferred tax assets [Abstract] |  |
Allowance for loan losses | $ 4,712 | $ 5,135
Deferred compensation | 491 | 520
Merger & acquisition costs | 1 | 2
Allowance for losses on available-for-sale securities | 4 | 15
Pension and other retirement obligation | 360 | 599
Unrealized loss on interest rate swap | 0 | 2
Interest on non-accrual loans | 795 | 778
Incentive plan accruals | 536 | 489
Other real estate owned | 16 | 16
Low income housing tax credits | 137 | 131
NOL carry forward | 1,226 | 1,321
Right of use asset | 686 | 482
Accrued vacation | 168 | 187
Other | 159 | 224
Total | 9,291 | 9,901
Deferred tax liabilities [Abstract] |  |
Premises and equipment | (559) | (612)
Investment securities accretion | (90) | (68)
Loan fees and costs | (644) | (333)
Goodwill and core deposit intangibles | (2,309) | (2,293)
Mortgage servicing rights | (246) | (215)
Unrealized gains on available-for-sale securities | (81) | (1,612)
Unrealized gains on equity securities | (61) | 0
Unrealized gains on interest rate swap | (401) | 0
Right of use asset | (685) | (480)
Other | (133) | (245)
Total | (5,209) | (5,858)
Deferred tax asset, net | 4,082 | 4,043
Valuation allowance | $ 0 | $ 0

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