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FINANCIAL INSTRUMENTS WITH OFF-BALANCE-SHEET RISK (Details) - USD ($) $ in Thousands | Dec. 31, 2021 | Dec. 31, 2020
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FINANCIAL INSTRUMENTS WITH OFF-BALANCE-SHEET RISK |  |
Commitments to originate loans | $ 4,865 | $ 82
Unused lines of credit | 2,740 | 1,971
Undisbursed portion of construction loans in process | 1,122 | 1,007
Unused overdraft privilege amounts | 1,075 | 1,004
Letters of credit | 2 | 500
Total | $ 9,804 | $ 4,564

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