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SHORT-TERM BORROWINGS (Details) - USD ($) $ in Thousands | 12 Months Ended
--- | ---
Dec. 31, 2019 | Dec. 31, 2018 | Dec. 31, 2017
SHORT-TERM BORROWINGS |  |  |
Balance | $ 22,412 | $ 41,029 |
Federal Funds Purchased [Member] |  |  |
SHORT-TERM BORROWINGS |  |  |
Balance | 0 | 0 | $ 0
Maximum balance at any month end | 0 | 0 | 0
Average balance during year | $ 58 | $ 54 | $ 54
Average rate paid for the year | 3.04% | 1.70% | 0.95%
Interest rate on year-end balance | 0.00% | 0.00% | 0.00%
Short-Term Borrowings [Member] |  |  |
SHORT-TERM BORROWINGS |  |  |
Balance | $ 22,412 | $ 41,029 | $ 49,084
Maximum balance at any month end | 49,615 | 82,932 | 51,760
Average balance during year | $ 11,030 | $ 33,073 | $ 16,918
Average rate paid for the year | 2.59% | 2.17% | 1.21%
Interest rate on year-end balance | 1.81% | 2.62% | 1.54%

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