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COMMITMENTS AND CONTINGENCIES (Tables)
3 Months Ended
Mar. 31, 2020
Commitments and Contingencies Disclosure [Abstract]  
Contractual amounts of financial instruments with off-balance sheet risk
The following table lists the contractual amounts of financial instruments with off-balance sheet risk at March 31, 2020 and December 31, 2019 (in thousands):
 
March 31, 2020
 
December 31, 2019
 
Fixed Rate
 
Variable Rate
 
Fixed Rate
 
Variable Rate
Commitments to make loans
$
22,930

 
$
24,160

 
$
15,560

 
$
25,233

Unused lines of credit
2,213

 
234,343

 
1,062

 
229,137

Standby letters of credit

 
16,022

 

 
16,272