Ohio Valley Banc (OVBC) 10-Q 10 Aug 20 2020 Q1 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	6 Months Ended
	Jun. 30, 2020	Aug. 07, 2020
Cover [Abstract]
Entity Registrant Name	OHIO VALLEY BANC CORP
Entity Central Index Key	0000894671
Current Fiscal Year End Date	--12-31
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Shell Company	false
Entity Filer Category	Accelerated Filer
Entity Small Business	true
Entity Emerging Growth Company	false
Entity Common Stock, Shares Outstanding		4,787,446
Document Type	10-Q
Amendment Flag	false
Document Period End Date	Jun. 30, 2020
Document Fiscal Year Focus	2020
Document Fiscal Period Focus	Q1
Document Quarterly Report	true
Document Transition Report	false
Entity File Number	0-20914
Entity Tax Identification Number	31-1359191
Entity Incorporation, State or Country Code	OH
Entity Address, Address Line One	420 Third Avenue
Entity Address, City or Town	Gallipolis
Entity Address, State or Province	OH
Entity Address, Postal Zip Code	45631
City Area Code	740
Local Phone Number	446-2631
Title of 12(b) Security	Common shares, without par value
Trading Symbol	OVBC
Security Exchange Name	NASDAQ

CONSOLIDATED BALANCE SHEETS (UN

CONSOLIDATED BALANCE SHEETS (UNAUDITED) - USD ($) $ in Thousands	Jun. 30, 2020	Dec. 31, 2019
ASSETS
Cash and noninterest-bearing deposits with banks	$ 13,388	$ 12,812
Interest-bearing deposits with banks	54,863	39,544
Total cash and cash equivalents	68,251	52,356
Certificates of deposit in financial institutions	2,323	2,360
Securities available for sale	114,987	105,318
Securities held to maturity (estimated fair value: 2020 - $12,134; 2019 - $12,404)	11,769	12,033
Restricted investments in bank stocks	7,506	7,506
Total loans	830,832	772,774
Less: Allowance for loan losses	(7,981)	(6,272)
Net loans	822,851	766,502
Premises and equipment, net	21,436	19,217
Premises and equipment held for sale, net	645	653
Other real estate owned, net	226	540
Accrued interest receivable	3,537	2,564
Goodwill	7,319	7,319
Other intangible assets, net	140	174
Bank owned life insurance and annuity assets	35,588	30,596
Operating lease right-of-use asset, net	955	1,053
Other assets	5,462	5,081
Total assets	1,102,995	1,013,272
LIABILITIES
Noninterest-bearing deposits	266,840	222,607
Interest-bearing deposits	645,007	598,864
Total deposits	911,847	821,471
Other borrowed funds	30,110	33,991
Subordinated debentures	8,500	8,500
Operating lease liability	955	1,053
Accrued liabilities	19,762	20,078
Total liabilities	971,174	885,093
COMMITMENTS AND CONTINGENT LIABILITIES (See Note 5)
SHAREHOLDERS' EQUITY
Common stock ($1.00 stated value per share, 10,000,000 shares authorized; 2020 - 5,447,185 shares issued; 2019 - 5,447,185 shares issued)	5,447	5,447
Additional paid-in capital	51,165	51,165
Retained earnings	88,006	86,751
Accumulated other comprehensive income	2,915	528
Treasury stock, at cost (659,739 shares)	(15,712)	(15,712)
Total shareholders' equity	131,821	128,179
Total liabilities and shareholders' equity	$ 1,102,995	$ 1,013,272

CONSOLIDATED BALANCE SHEETS (_2

CONSOLIDATED BALANCE SHEETS (UNAUDITED) (Parenthetical) - USD ($) $ in Thousands	Jun. 30, 2020	Dec. 31, 2019
ASSETS
Securities held to maturity, fair value	$ 12,134	$ 12,404
SHAREHOLDERS' EQUITY
Common stock, par value (in dollars per share)	$ 1	$ 1
Common stock, shares authorized (in shares)	10,000,000	10,000,000
Common stock, shares issued (in shares)	5,447,185	5,447,185
Treasury stock, shares (in shares)	659,739	659,739

CONSOLIDATED STATEMENTS OF INCO

CONSOLIDATED STATEMENTS OF INCOME (UNAUDITED) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2020	Jun. 30, 2019	Jun. 30, 2020	Jun. 30, 2019
Interest and dividend income:
Loans, including fees	$ 10,639	$ 11,302	$ 21,512	$ 23,214
Securities
Taxable	591	656	1,188	1,274
Tax exempt	74	84	147	168
Dividends	64	104	130	217
Interest-bearing deposits with banks	18	325	180	644
Other Interest	13	12	27	24
Total interest and dividend income	11,399	12,483	23,184	25,541
Interest expense:
Deposits	1,367	1,512	2,876	2,854
Other borrowed funds	187	226	387	461
Subordinated debentures	50	92	122	186
Total interest expense	1,604	1,830	3,385	3,501
Net interest income	9,795	10,653	19,799	22,040
Provision for (recovery of) loan losses	(393)	(806)	3,453	1,571
Net interest income after provision for loan losses	10,188	11,459	16,346	20,469
Noninterest income:
Service Charges on Deposit Accounts	333	517	826	1,020
Trust fees	61	72	129	136
Income from bank owned life insurance and annuity assets	192	177	409	355
Mortgage banking income	431	78	521	147
Debit / credit card interchange income	930	972	1,873	1,886
Gain (loss) on other real estate owned	18	14	(83)	14
Tax preparation fees	19	0	634	0
Litigation settlement	0	0	2,000	0
Other	265	173	382	291
Total noninterest income	2,249	2,003	6,691	3,849
Noninterest expense:
Salaries and employee benefits	5,426	5,527	10,881	11,063
Occupancy	449	438	881	891
Furniture and equipment	278	270	540	533
Professional fees	473	689	1,071	1,361
Marketing expense	293	270	561	540
FDIC insurance	24	110	24	113
Data processing	704	554	1,303	1,089
Software	412	427	793	838
Foreclosed assets	36	19	79	125
Amortization of intangibles	17	31	34	62
Other	1,490	1,456	2,954	2,744
Total noninterest expense	9,602	9,791	19,121	19,359
Income before income taxes	2,835	3,671	3,916	4,959
Provision for income taxes	572	592	651	687
NET INCOME	$ 2,263	$ 3,079	$ 3,265	$ 4,272
Earnings per share (in dollars per share)	$ 0.47	$ 0.65	$ 0.68	$ 0.90

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (UNAUDITED) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2020	Jun. 30, 2019	Jun. 30, 2020	Jun. 30, 2019
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (UNAUDITED) [Abstract]
Net income	$ 2,263	$ 3,079	$ 3,265	$ 4,272
Other comprehensive income:
Change in unrealized gain on available for sale securities	85	1,455	3,022	3,451
Related tax expense	(18)	(305)	(635)	(724)
Total other comprehensive income, net of tax	67	1,150	2,387	2,727
Total comprehensive income	$ 2,330	$ 4,229	$ 5,652	$ 6,999

CONSOLIDATED STATEMENTS OF CHAN

CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY (UNAUDITED) - USD ($) $ in Thousands	Common Stock [Member]	Additional Paid-in Capital [Member]	Retained Earnings [Member]	Accumulated Other Comprehensive Income (Loss) [Member]	Treasury Stock [Member]	Total
Balance at Dec. 31, 2018	$ 5,400	$ 49,477	$ 80,844	$ (2,135)	$ (15,712)	$ 117,874
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	0	0	4,272	0	0	4,272
Other comprehensive income, net	0	0	0	2,727	0	2,727
Common stock issued to ESOP, 8,333 shares	8	320	0	0	0	328
Common stock issued through dividend reinvestment, shares	19	695	0	0	0	714
Cash dividends	0	0	(1,995)	0	0	(1,995)
Balance at Jun. 30, 2019	5,427	50,492	83,121	592	(15,712)	123,920
Balance at Mar. 31, 2019	5,418	50,162	81,042	(558)	(15,712)	120,352
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	0	0	3,079	0	0	3,079
Other comprehensive income, net	0	0	0	1,150	0	1,150
Common stock issued through dividend reinvestment, shares	9	330	0	0	0	339
Cash dividends	0	0	(1,000)			(1,000)
Balance at Jun. 30, 2019	5,427	50,492	83,121	592	(15,712)	123,920
Balance at Dec. 31, 2019	5,447	51,165	86,751	528	(15,712)	128,179
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	0	0	3,265	0	0	3,265
Other comprehensive income, net	0	0	0	2,387	0	2,387
Cash dividends	0	0	(2,010)	0	0	(2,010)
Balance at Jun. 30, 2020	5,447	51,165	88,006	2,915	(15,712)	131,821
Balance at Mar. 31, 2020	5,447	51,165	86,748	2,848	(15,712)	130,496
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	0	0	2,263	0	0	2,263
Other comprehensive income, net	0	0	0	67	0	67
Cash dividends	0	0	(1,005)	0	0	(1,005)
Balance at Jun. 30, 2020	$ 5,447	$ 51,165	$ 88,006	$ 2,915	$ (15,712)	$ 131,821

CONSOLIDATED STATEMENTS OF CH_2

CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY (UNAUDITED) (Parenthetical) - $ / shares	3 Months Ended		6 Months Ended
	Jun. 30, 2020	Jun. 30, 2019	Jun. 30, 2020	Jun. 30, 2019
CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY (UNAUDITED) [Abstract]
Cash dividends, per share (in dollars per share)	$ 0.21	$ 0.21	$ 0.42	$ 0.42
Common stock issued to ESOP, shares (in shares)				8,333
Common stock issued through dividend reinvestment, shares (in shares)		9,099		19,099

CONDENSED CONSOLIDATED STATEMEN

CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS (UNAUDITED) - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2020	Jun. 30, 2019
CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS (UNAUDITED) [Abstract]
Net cash provided by operating activities:	$ 4,881	$ 5,022
Investing activities:
Proceeds from maturities of securities available for sale	13,980	8,532
Purchases of securities available for sale	(20,772)	(10,035)
Proceeds from maturities of securities held to maturity	244	2,218
Proceeds from maturities of certificates of deposit in financial institutions	490	0
Purchases of certificates of deposit in financial institutions	(453)	(50)
Net change in loans	(59,830)	(35)
Proceeds from sale of other real estate owned	264	322
Purchases of premises and equipment	(2,828)	(3,417)
Purchases of bank owned life insurance and annuity assets	(4,583)	0
Net cash used in investing activities	(73,488)	(2,465)
Financing activities:
Change in deposits	90,393	823
Proceeds from common stock through dividend reinvestment	0	713
Cash dividends	(2,010)	(1,995)
Repayment of Federal Home Loan Bank borrowings	(3,312)	(2,269)
Change in other long-term borrowings	(300)	(763)
Change in other short-term borrowings	(269)	0
Net cash provided by (used in) financing activities	84,502	(3,491)
Change in cash and cash equivalents	15,895	(934)
Cash and cash equivalents at beginning of period	52,356	71,180
Cash and cash equivalents at end of period	68,251	70,246
Supplemental disclosure:
Cash paid for interest	3,533	3,044
Cash paid for income taxes	0	890
Transfers from loans to other real estate owned	33	82
Initial recognition of operating lease right-of-use asset	0	1,280
Operating lease liability arising from obtaining right-of-use asset	$ 0	$ 1,280

SUMMARY OF SIGNIFICANT ACCOUNTI

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	6 Months Ended
	Jun. 30, 2020
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	NOTE 1- SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES BASIS OF PRESENTATION: These interim financial statements are prepared by the Company without audit and reflect all adjustments of a normal recurring nature which, in the opinion of management, are necessary to present fairly the consolidated financial position of the Company at June 30, 2020, and its results of operations and cash flows for the periods presented. The results of operations for the three and six months ended June 30, 2020 are not necessarily indicative of the operating results to be anticipated for the full fiscal year ending December 31, 2020. The accompanying consolidated financial statements do not purport to contain all the necessary financial disclosures required by U.S. generally accepted accounting principles (“US GAAP”) that might otherwise be necessary in the circumstances. The Annual Report of the Company for the year ended December 31, 2019 contains consolidated financial statements and related notes which should be read in conjunction with the accompanying consolidated financial statements. The consolidated financial statements for 2019 have been reclassified to conform to the presentation for 2020. These reclassifications had no effect on net income or shareholders’ equity. CURRENT EVENTS: The potential financial impact of COVID-19 is unknown at this time and depends largely on the actions taken by governmental authorities and other third parties. In addition, COVID-19 may adversely impact several industries within our geographic footprint and impair the ability of our customers to fulfill their contractual obligations to the Company. This could result in a material adverse effect on our business operations, asset valuations, liquidity, financial condition, and results of operations. Effects may include: ● The provision for loan losses could increase. Continued uncertainty regarding the severity and duration of the COVID-19 pandemic and related economic effects will continue to affect the accounting for loan losses. It also is possible that asset quality could worsen, and that loan charge-offs could increase. The Company is actively participating in the Paycheck Protection Program (“PPP”) by providing loans to small businesses negatively impacted by the COVID-19 pandemic. PPP loans are fully guaranteed by the U.S. government, and if that should change, the Company could be required to increase its allowance for loan losses through an additional provision for loan losses charged to earnings. ● Valuation and fair value measurement challenges may occur. Material adverse impacts may include all or a combination of valuation impairments on the Company’s securities, impaired loans, goodwill, other real estate owned, and interest rate swap agreements. USE OF ESTIMATES IN THE PREPARATION OF FINANCIAL STATEMENTS: INDUSTRY SEGMENT INFORMATION: EARNINGS PER SHARE: Earnings per share are computed based on net income divided by the weighted average number of common shares outstanding during the period. The weighted average common shares outstanding were and for the three months ended , and , respectively. Ohio Valley had no dilutive effect and no potential common shares issuable under stock options or other agreements for any period presented. ADOPTION OF NEW ACCOUNTING STANDARD UPDATES (“ASU”): ACCOUNTING GUIDANCE TO BE ADOPTED IN FUTURE PERIODS:

FAIR VALUE OF FINANCIAL INSTRUM

FAIR VALUE OF FINANCIAL INSTRUMENTS	6 Months Ended
	Jun. 30, 2020
FAIR VALUE OF FINANCIAL INSTRUMENTS [Abstract]
FAIR VALUE OF FINANCIAL INSTRUMENTS	NOTE 2 – FAIR VALUE OF FINANCIAL INSTRUMENTS Fair value is the exchange price that would be received for an asset or paid to transfer a liability (exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. There are three levels of inputs that may be used to measure fair values: Level 1: Level 2: Level 3: The following is a description of the Company’s valuation methodologies used to measure and disclose the fair values of its financial assets and liabilities on a recurring or nonrecurring basis: Securities: Impaired Loans: Other Real Estate Owned: Appraisals for both collateral-dependent impaired loans and other real estate owned are performed by certified general appraisers (for commercial properties) or certified residential appraisers (for residential properties) whose qualifications and licenses have been reviewed and verified by the Company. Once received, a member of management reviews the assumptions and approaches utilized in the appraisal as well as the overall resulting fair value in comparison with management’s own assumptions of fair value based on factors that include recent market data or industry-wide statistics. On an as-needed basis, the Company reviews the fair value of collateral, taking into consideration current market data, as well as all selling costs that typically approximate 10%. Interest Rate Swap Agreements: Assets and Liabilities Measured on a Recurring Basis Assets and liabilities measured at fair value on a recurring basis are summarized below: Fair Value Measurements at June 30, 2020 Using Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Assets: U.S. Government sponsored entity securities — $ 15,633 — Agency mortgage-backed securities, residential — 99,354 — Interest rate swap derivatives — 1,148 — Liabilities : Interest rate swap derivatives — (1,148 ) — Fair Value Measurements at December 31, 2019 Using Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Assets: U.S. Government sponsored entity securities — $ 16,736 — Agency mortgage-backed securities, residential — 88,582 — Interest rate swap derivatives — 465 — Liabilities Interest rate swap derivatives — (465 ) — There were no transfers between Level 1 and Level 2 during 2020 or 2019. Assets and Liabilities Measured on a Nonrecurring Basis There were no assets or liabilities measured at fair value on a nonrecurring basis at June 30, 2020. Assets and liabilities measured at fair value on a nonrecurring basis at December 31, 2019 are summarized below: Fair Value Measurements at December 31, 2019, Using Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Assets: Impaired loans: Commercial real estate: Owner-occupied — — $ 1,644 Commercial and Industrial — — 4,559 At June 30, 2020, the Company had no recorded investment of impaired loans measured for impairment using the fair value of collateral for collateral-dependent loans and, therefore, recorded no impact to provision expense during the three and six months ended June 30, 2020. This is compared to a decrease of $3 to provision expense during the three months ended June 30, 2019, and an increase of $1 to provision expense during the six months ended June 30, 2019, with $65 in additional charge-offs recognized during both periods. At December 31, 2019, the recorded investment of impaired loans measured for impairment using the fair value of collateral for collateral-dependent loans totaled $7,010, with a corresponding valuation allowance of $807, resulting in an increase of $807 in provision expense during the year ended December 31, 2019, with no corresponding charge-offs recognized. There was no other real estate owned that was measured at fair value less costs to sell at June 30, 2020 and December 31, 2019. There were no corresponding write downs during the three and six months ended June 30, 2020 and 2019. The following table presents quantitative information about Level 3 fair value measurements for financial instruments measured at fair value on a non-recurring basis at December 31, 2019: December 31, 2019 Fair Value Valuation Technique(s) Unobservable Input(s) Range (Weighted Average) Impaired loans: 1 1 1 Commercial real estate: Owner-occupied $ 1,644 Sales approach Adjustment to comparables 0% to 20% 9.7 % Commercial and industrial 4,559 Sales approach Adjustment to comparables 0% to 61% 10.3 % The carrying amounts and estimated fair values of financial instruments at June 30, 2020 and December 31, 2019 are as follows: Carrying Fair Value Measurements at June 30, 2020 Using Value Level 1 Level 2 Level 3 Total Financial Assets: Cash and cash equivalents $ 68,251 $ 68,251 $ — $ — $ 68,251 Certificates of deposit in financial institutions 2,323 — 2,323 — 2,323 Securities available for sale 114,987 — 114,987 — 114,987 Securities held to maturity 11,769 — 3,923 8,211 12,134 Loans, net 822,851 — — 817,932 817,932 Interest rate swap derivatives 1,148 — 1,148 — 1,148 Accrued interest receivable 3,537 — 327 3,210 3,537 Financial liabilities: Deposits 911,847 266,840 647,433 — 914,273 Other borrowed funds 30,110 — 32,134 — 32,134 Subordinated debentures 8,500 — 5,586 — 5,586 Interest rate swap derivatives 1,148 — 1,148 — 1,148 Accrued interest payable 1,442 1 1,441 — 1,442 Carrying Fair Value Measurements at December 31, 2019 Using: Value Level 1 Level 2 Level 3 Total Financial Assets: Cash and cash equivalents $ 52,356 $ 52,356 $ — $ — $ 52,356 Certificates of deposit in financial institutions 2,360 — 2,360 — 2,360 Securities available for sale 105,318 — 105,318 — 105,318 Securities held to maturity 12,033 — 6,446 5,958 12,404 Loans, net 766,502 — — 771,285 771,285 Interest rate swap derivatives 465 — 465 — 465 Accrued interest receivable 2,564 — 315 2,249 2,564 Financial liabilities: Deposits 821,471 222,607 599,937 — 822,544 Other borrowed funds 33,991 — 34,345 — 34,345 Subordinated debentures 8,500 — 6,275 — 6,275 Interest rate swap derivatives 465 — 465 — 465 Accrued interest payable 1,589 3 1,586 — 1,589 Fair value estimates are made at a specific point in time, based on relevant market information and information about the financial instrument. These estimates do not reflect any premium or discount that could result from offering for sale at one time the Company’s entire holdings of a particular financial instrument. Because no market exists for a significant portion of the Company’s financial instruments, fair value estimates are based on judgments regarding future expected loss experience, current economic conditions, risk characteristics of various financial instruments and other factors. These estimates are subjective in nature and involve uncertainties and matters of significant judgment and therefore cannot be determined with precision. Changes in assumptions could significantly affect the estimates.

SECURITIES

SECURITIES	6 Months Ended
	Jun. 30, 2020
SECURITIES [Abstract]
SECURITIES	NOTE 3 – SECURITIES The following table summarizes the amortized cost and fair value of securities available for sale and securities held to maturity at June 30, 2020 and December 31, 2019, and the corresponding amounts of gross unrealized gains and losses recognized in accumulated other comprehensive (loss) and gross unrecognized gains and losses: Securities Available for Sale Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Estimated Fair Value June 30 , 2020 U.S. Government sponsored entity securities $ 15,223 $ 410 $ — $ 15,633 Agency mortgage-backed securities, residential 96,074 3,291 (11 ) 99,354 Total securities $ 111,297 $ 3,701 $ (11 ) $ 114,987 December 31, 2019 U.S. Government sponsored entity securities $ 16,579 $ 163 $ (6 ) $ 16,736 Agency mortgage-backed securities, residential 88,071 807 (296 ) 88,582 Total securities $ 104,650 $ 970 $ (302 ) $ 105,318 Securities Held to Maturity Amortized Cost Gross Unrecognized Gains Gross Unrecognized Losses Estimated Fair Value June 30 , 2020 Obligations of states and political subdivisions $ 11,767 $ 365 $ — $ 12,132 Agency mortgage-backed securities, residential 2 — — 2 Total securities $ 11,769 $ 365 $ — $ 12,134 December 31, 2019 Obligations of states and political subdivisions $ 12,031 $ 372 $ (1 ) $ 12,402 Agency mortgage-backed securities, residential 2 — — 2 Total securities $ 12,033 $ 372 $ (1 ) $ 12,404 The amortized cost and estimated fair value of debt securities at June 30, 2020, by contractual maturity, are shown below. Actual maturities may differ from contractual maturities because certain issuers may have the right to call or prepay the debt obligations prior to their contractual maturities. Securities not due at a single maturity are shown separately. Available for Sale Held to Maturity Debt Securities: Amortized Cost Estimated Fair Value Amortized Cost Estimated Fair Value Due in one year or less $ 6,892 $ 6,974 $ 819 $ 836 Due in over one to five years 8,331 8,659 6,725 6,928 Due in over five to ten years — — 4,223 4,368 Agency mortgage-backed securities, residential 96,074 99,354 2 2 Total debt securities $ 111,297 $ 114,987 $ 11,769 $ 12,134 The following table summarizes securities with unrealized losses at June 30, 2020 and December 31, 2019, aggregated by major security type and length of time in a continuous unrealized loss position: June 30, 2020 Less Than 12 Months 12 Months or More Total Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized Loss Securities Available for Sale Agency mortgage-backed securities, residential $ 10,435 $ (11 ) $ — $ — $ 10,435 $ (11 ) Total available for sale $ 10,435 $ (11 ) $ — $ — $ 10,435 $ (11 ) Less Than 12 Months 12 Months or More Total Fair Value Unrecognized Loss Fair Value Unrecognized Loss Fair Value Unrecognized Loss Securities Held to Maturity Obligations of states and political subdivisions $ — $ — $ — $ — $ — $ — Total held to maturity $ — $ — $ — $ — $ — $ — December 31, 2019 Less Than 12 Months 12 Months or More Total Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized Loss Securities Available for Sale U.S. Government sponsored entity securities $ — $ — $ 1,999 $ (6 ) $ 1,999 $ (6 ) Agency mortgage-backedsecurities, residential 15,041 (84 ) 21,344 (212 ) 36,385 (296 ) Total available for sale $ 15,041 $ (84 ) $ 23,343 $ (218 ) $ 38,384 $ (302 ) Less Than 12 Months 12 Months or More Total Fair Value Unrecognized Loss Fair Value Unrecognized Loss Fair Value Unrecognized Loss Securities Held to Maturity Obligations of states and political subdivisions $ 204 $ (1 ) $ — $ — $ 204 $ (1 ) Total held to maturity $ 204 $ (1 ) $ — $ — $ 204 $ (1 ) There were no sales of investment securities during the three and six months ended June 30, 2020 or 2019. Unrealized losses on the Company’s debt securities have not been recognized into income because the issuers’ securities are of high credit quality as of June 30, 2020, and management does not intend to sell, and it is likely that management will not be required to sell, the securities prior to their anticipated recovery. Management does not believe any individual unrealized loss at June 30, 2020 and December 31, 2019 represents an other-than-temporary impairment.

LOANS AND ALLOWANCE FOR LOAN LO

LOANS AND ALLOWANCE FOR LOAN LOSSES	6 Months Ended
	Jun. 30, 2020
LOANS AND ALLOWANCE FOR LOAN LOSSES [Abstract]
LOANS AND ALLOWANCE FOR LOAN LOSSES	NOTE 4 – LOANS AND ALLOWANCE FOR LOAN LOSSES Loans are comprised of the following: June 30, 2020 December 31, 2019 Residential real estate $ 314,987 $ 310,253 Commercial real estate: Owner-occupied 53,580 55,825 Nonowner-occupied 151,780 131,398 Construction 34,531 34,913 Commercial and industrial 142,972 100,023 Consumer: Automobile 60,369 63,770 Home equity 20,125 22,882 Other 52,488 53,710 830,832 772,774 Less: Allowance for loan losses (7,981 ) (6,272 ) Loans, net $ 822,851 $ 766,502 Commercial and industrial loans include $34,145 of loans originated under the PPP at June 30, 2020. The following table presents the activity in the allowance for loan losses by portfolio segment for the three months ended June 30, 2020 and 2019: June 30 , 2020 Residential Real Estate Commercial Real Estate Commercial and Industrial Consumer Total Allowance for loan losses: Beginning balance $ 2,002 $ 3,028 $ 2,045 $ 1,654 $ 8,729 Provision for loan losses 64 (343 ) (349 ) 235 (393 ) Loans charged off (52 ) — (56 ) (390 ) (498 ) Recoveries 10 15 9 109 143 Total ending allowance balance $ 2,024 $ 2,700 $ 1,649 $ 1,608 $ 7,981 June 30 , 2019 Residential Real Estate Commercial Real Estate Commercial and Industrial Consumer Total Allowance for loan losses: Beginning balance $ 2,079 $ 2,452 $ 1,315 $ 2,167 $ 8,013 Provision for loan losses (552 ) (260 ) (169 ) 175 (806 ) Loans charged-off (78 ) (438 ) (111 ) (536 ) (1,163 ) Recoveries 524 468 60 305 1,357 Total ending allowance balance $ 1,973 $ 2,222 $ 1,095 $ 2,111 $ 7,401 The following table presents the activity in the allowance for loan losses by portfolio segment for the six months ended June 30, 2020 and 2019: June 30 , 2020 Residential Real Estate Commercial Real Estate Commercial and Industrial Consumer Total Allowance for loan losses: Beginning balance $ 1,250 $ 1,928 $ 1,447 $ 1,647 $ 6,272 Provision for loan losses 990 1,229 275 959 3,453 Loans charged off (250 ) (516 ) (89 ) (1,279 ) (2,134 ) Recoveries 34 59 16 281 390 Total ending allowance balance $ 2,024 $ 2,700 $ 1,649 $ 1,608 $ 7,981 June 30 , 2019 Residential Real Estate Commercial Real Estate Commercial and Industrial Consumer Total Allowance for loan losses: Beginning balance $ 1,583 $ 2,186 $ 1,063 $ 1,896 $ 6,728 Provision for loan losses 261 133 304 873 1,571 Loans charged-off (407 ) (579 ) (344 ) (1,193 ) (2,523 ) Recoveries 536 482 72 535 1,625 Total ending allowance balance $ 1,973 $ 2,222 $ 1,095 $ 2,111 $ 7,401 The following table presents the balance in the allowance for loan losses and the recorded investment of loans by portfolio segment and based on impairment method as of June 30, 2020 and December 31, 2019: June 30 , 2020 Residential Real Estate Commercial Real Estate Commercial and Industrial Consumer Total Allowance for loan losses: Ending allowance balance attributable to loans: Individually evaluated for impairment $ — $ — $ — $ — $ — Collectively evaluated for impairment 2,024 2,700 1,649 1,608 7,981 Total ending allowance balance $ 2,024 $ 2,700 $ 1,649 $ 1,608 $ 7,981 Loans: Loans individually evaluated for impairment $ 423 $ 5,051 $ 4,725 $ 403 $ 10,602 Loans collectively evaluated for impairment 314,564 234,840 138,247 132,579 820,230 Total ending loans balance $ 314,987 $ 239,891 $ 142,972 $ 132,982 $ 830,832 December 31, 2019 Residential Real Estate Commercial Real Estate Commercial and Industrial Consumer Total Allowance for loan losses: Ending allowance balance attributable to loans: Individually evaluated for impairment $ — $ 385 $ 303 $ 119 $ 807 Collectively evaluated for impairment 1,250 1,543 1,144 1,528 5,465 Total ending allowance balance $ 1,250 $ 1,928 $ 1,447 $ 1,647 $ 6,272 Loans: Loans individually evaluated for impairment $ 438 $ 11,300 $ 4,910 $ 487 $ 17,135 Loans collectively evaluated for impairment 309,815 210,836 95,113 139,875 755,639 Total ending loans balance $ 310,253 $ 222,136 $ 100,023 $ 140,362 $ 772,774 The following tables present information related to loans individually evaluated for impairment by class of loans as of June 30, 2020 and December 31, 2019: June 30 , 2020 Unpaid Principal Balance Recorded Investment Allowance for Loan Losses Allocated With an allowance recorded $ — $ — $ — With no related allowance recorded: Residential real estate 424 423 — Commercial real estate: Owner-occupied 4,034 4,034 — Nonowner-occupied 1,017 1,017 — Commercial and industrial 4,725 4,725 — Consumer: Home equity 403 403 — Total $ 10,603 $ 10,602 $ — December 31, 2019 Unpaid Principal Balance Recorded Investment Allowance for Loan Losses Allocated With an allowance recorded: Commercial real estate: Owner-occupied $ 2,030 $ 2,030 $ 385 Commercial and industrial 4,861 4,861 303 Consumer: Automobile 8 8 8 Other 111 111 111 With no related allowance recorded: Residential real estate 438 438 — Commercial real estate: Owner-occupied 1,778 1,778 — Nonowner-occupied 7,492 7,492 — Commercial and industrial 49 49 — Consumer: Home equity 368 368 — Total $ 17,135 $ 17,135 $ 807 The following tables present information related to loans individually evaluated for impairment by class of loans for the three and six months ended June 30, 2020 and 2019: Three months ended June 30, 2020 Six months ended June 30, 2020 Average Impaired Loans Interest Income Recognized Cash Basis Interest Recognized Average Impaired Loans Interest Income Recognized Cash Basis Interest Recognized With an allowance recorded $ — $ — $ — $ — $ — $ — With no related allowance recorded: Residential real estate 426 5 5 430 8 8 Commercial real estate: Owner-occupied 4,051 44 44 3,764 102 102 Nonowner-occupied 1,018 13 13 1,027 24 24 Commercial and industrial 4,355 56 56 4,428 129 129 Consumer: Home equity 403 3 3 391 8 8 Total $ 10,253 $ 121 $ 121 $ 10,040 $ 271 $ 271 Three months ended June 30, 2019 Six months ended June 30, 2019 Average Impaired Loans Interest Income Recognized Cash Basis Interest Recognized Average Impaired Loans Interest Income Recognized Cash Basis Interest Recognized With an allowance recorded: Residential real estate $ 1,213 $ — $ — $ 1,214 $ 5 $ 5 Commercial real estate: Nonowner-occupied 324 1 1 337 1 1 With no related allowance recorded: Residential real estate 636 6 6 575 11 11 Commercial real estate: Owner-occupied 3,483 58 58 3,111 112 112 Nonowner-occupied 7,458 117 117 5,287 228 228 Commercial and industrial 7,366 121 121 6,591 242 242 Consumer: Other 6 — — 4 — — Total $ 20,486 $ 303 $ 303 $ 17,119 $ 599 $ 599 The recorded investment of a loan is its carrying value excluding accrued interest and deferred loan fees. Nonaccrual loans and loans past due 90 days or more and still accruing include both smaller balance homogenous loans that are collectively evaluated for impairment and individually classified as impaired loans. The Company transfers loans to other real estate owned, at fair value less cost to sell, in the period the Company obtains physical possession of the property (through legal title or through a deed in lieu). As of June 30, 2020, there were no other real estate owned for residential real estate properties, as compared to $68 at December 31, 2019. In addition, nonaccrual residential mortgage loans that are in the process of foreclosure had a recorded investment of $759 and $1,780 as of June 30, 2020 and December 31, 2019, respectively. The following table presents the recorded investment of nonaccrual loans and loans past due 90 days or more and still accruing by class of loans as of June 30, 2020 and December 31, 2019: June 30 , 2020 Loans Past Due 90 Days And Still Accruing Nonaccrual Residential real estate $ 153 $ 5,773 Commercial real estate: Owner-occupied 60 341 Nonowner-occupied — 716 Construction — 176 Commercial and industrial 11 427 Consumer: Automobile 65 177 Home equity — 213 Other 164 60 Total $ 453 $ 7,883 December 31, 2019 Loans Past Due 90 Days And Still Accruing Nonaccrual Residential real estate $ 255 $ 6,119 Commercial real estate: Owner-occupied — 863 Nonowner-occupied — 804 Construction — 229 Commercial and industrial — 590 Consumer: Automobile 239 61 Home equity — 392 Other 395 91 Total $ 889 $ 9,149 The following table presents the aging of the recorded investment of past due loans by class of loans as of June 30, 2020 and December 31, 2019: June 30 , 2020 30-59 Days Past Due 60-89 Days Past Due 90 Days Or More Past Due Total Past Due Loans Not Past Due Total Residential real estate $ 2,352 $ 1,260 $ 2,081 $ 5,693 $ 309,294 $ 314,987 Commercial real estate: Owner-occupied 494 — 313 807 52,773 53,580 Nonowner-occupied 645 — 599 1,244 150,536 151,780 Construction 153 — 20 173 34,358 34,531 Commercial and industrial 60 — 438 498 142,474 142,972 Consumer: Automobile 462 124 221 807 59,562 60,369 Home equity 112 81 112 305 19,820 20,125 Other 254 134 192 580 51,908 52,488 Total $ 4,532 $ 1,599 $ 3,976 $ 10,107 $ 820,725 $ 830,832 December 31, 2019 30-59 Days Past Due 60-89 Days Past Due 90 Days Or More Past Due Total Past Due Loans Not Past Due Total Residential real estate $ 4,015 $ 1,314 $ 1,782 $ 7,111 $ 303,142 $ 310,253 Commercial real estate: Owner-occupied 383 59 144 586 55,239 55,825 Nonowner-occupied 12 — 697 709 130,689 131,398 Construction 186 19 49 254 34,659 34,913 Commercial and industrial 1,320 312 241 1,873 98,150 100,023 Consumer: Automobile 986 329 246 1,561 62,209 63,770 Home equity 106 18 279 403 22,479 22,882 Other 559 139 443 1,141 52,569 53,710 Total $ 7,567 $ 2,190 $ 3,881 $ 13,638 $ 759,136 $ 772,774 Troubled Debt Restructurings: A troubled debt restructuring (“TDR”) occurs when the Company has agreed to a loan modification in the form of a concession for a borrower who is experiencing financial difficulty. All TDRs are considered to be impaired. The modification of the terms of such loans included one or a combination of the following: a reduction of the stated interest rate of the loan; an extension of the maturity date at a stated rate of interest lower than the current market rate for new debt with similar risk; a reduction in the contractual principal and interest payments of the loan; or short-term interest-only payment terms. The Company has allocated reserves for a portion of its TDRs to reflect the fair values of the underlying collateral or the present value of the concessionary terms granted to the customer. The following table presents the types of TDR loan modifications by class of loans as of June 30, 2020 and December 31, 2019: June 30 , 2020 TDRs Performing to Modified Terms TDRs Not Performing to Modified Terms Total TDRs Residential real estate: Interest only payments $ 205 $ — $ 205 Commercial real estate: Owner-occupied Interest only payments 868 — 868 Reduction of principal and interest payments 1,501 — 1,501 Maturity extension at lower stated rate than market rate 354 — 354 Credit extension at lower stated rate than market rate 388 — 388 Nonowner-occupied Credit extension at lower stated rate than market rate 393 — 393 Commercial and industrial: Interest only payments 3,077 — 3,077 Total TDRs $ 6,786 $ — $ 6,786 December 31, 2019 TDRs Performing to Modified Terms TDRs Not Performing to Modified Terms Total TDRs Residential real estate: Interest only payments $ 209 $ — $ 209 Commercial real estate: Owner-occupied Interest only payments 882 — 882 Reduction of principal and interest payments 1,521 — 1,521 Maturity extension at lower stated rate than market rate 393 — 393 Credit extension at lower stated rate than market rate 393 — 393 Nonowner-occupied Credit extension at lower stated rate than market rate 395 — 395 Commercial and industrial: Interest only payments 4,574 — 4,574 Reduction of principal and interest payments 185 — 185 Total TDRs $ 8,552 $ — $ 8,552 At , , the balance in TDR loans decreased $ , or , from year-end . , , as compared to $ in reserves at December 31, . At , , the Company had $ in commitments to lend additional amounts to customers with outstanding loans that are classified as TDRs, as compared to $ at December 31, . There were no TDR loan modifications that occurred during the three and six months ended June 30, 2020. The following table presents the pre- and post-modification balances of TDR loan modifications by class of loans that occurred during the three and six months ended June 30, 2019: TDRs Performing to Modified Terms TDRs Not Performing toModified Terms Three months ended June 30 , 2019 Number of Loans Pre-Modification Recorded Investment Post-Modification Recorded Investment Pre-Modification Recorded Investment Post-Modification Recorded Investment Residential real estate: Interest only payments 1 $ 292 $ 292 $ — $ — Commercial and Industrial: Interest only payments 1 282 282 Total TDRs 2 $ 574 $ 574 $ — $ — TDRs Performing to Modified Terms TDRs Not Performing to Modified Terms Six months ended June 30 , 2019 Number of Loans Pre-Modification Recorded Investment Post-Modification Recorded Investment Pre-Modification Recorded Investment Post-Modification Recorded Investment Residential real estate: Interest only payments 1 $ 292 $ 292 $ — $ — Commercial and Industrial: Interest only payments 1 282 282 Total TDRs 2 $ 574 $ 574 $ — $ — The TDRs described above had no impact on the allowance for loan losses and resulted in no charge-offs during the three and six months ended June 30, 2019. The Company had no TDRs that occurred during the three and six months ended June 30, 2020 or June 30, 2019 that experienced any payment defaults within twelve months following their loan modification. A default is considered to have occurred once the TDR is past due 90 days or more or it has been placed on nonaccrual. TDR loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured. The Coronavirus Aid, Relief, and Economic Security Act (“CARES Act”) was signed into law on March 27, 2020 and provided guidance around the modification of loans as a result of the COVID-19 pandemic, which outlined, among other criteria, that short-term modifications made on a good faith basis to borrowers who were current as defined under the CARES Act prior to any relief, are not TDRs. This includes short-term modifications such as payment deferrals, fee waivers, extensions of repayment terms, or other delays in payment that are insignificant. Borrowers are considered current under the CARES Act and related regulatory guidance if they are less than 30 days past due on their contractual payments at the time a modification program is implemented. As of , , the Company had modified loans related to the COVID-19 pandemic with an aggregate loan balance of $ that were not reported as TDRs in the tables presented above. Credit Quality Indicators: The Company categorizes loans into risk categories based on relevant information about the ability of borrowers to service their debt, such as: current financial information, historical payment experience, credit documentation, public information, and current economic trends, among other factors. These risk categories are represented by a loan grading scale from 1 through 11. The Company analyzes loans individually with a higher credit risk rating and groups these loans into categories called “criticized” and ”classified” assets. The Company considers its criticized assets to be loans that are graded 8 and its classified assets to be loans that are graded 9 through 11. The Company’s risk categories are reviewed at least annually on loans that have aggregate borrowing amounts that meet or exceed $750. The Company uses the following definitions for its criticized loan risk ratings: Special Mention. The Company uses the following definitions for its classified loan risk ratings: Substandard. Doubtful. Loss. Criticized and classified loans will mostly consist of commercial and industrial and commercial real estate loans. The Company considers its loans that do not meet the criteria for a criticized and classified asset rating as pass rated loans, which will include loans graded from 1 (Prime) to 7 (Watch). All commercial loans are categorized into a risk category either at the time of origination or reevaluation date. As of June 30, 2020 and December 31, 2019, and based on the most recent analysis performed, the risk category of commercial loans by class of loans was as follows: June 30 , 2020 Pass Criticized Classified Total Commercial real estate: Owner-occupied $ 48,178 $ 686 $ 4,716 $ 53,580 Nonowner-occupied 144,420 6,170 1,190 151,780 Construction 34,531 — — 34,531 Commercial and industrial 134,820 2,703 5,449 142,972 Total $ 361,949 $ 9,559 $ 11,355 $ 382,863 December 31, 2019 Pass Criticized Classified Total Commercial real estate: Owner-occupied $ 49,486 $ 2,889 $ 3,450 $ 55,825 Nonowner-occupied 123,847 — 7,551 131,398 Construction 34,864 — 49 34,913 Commercial and industrial 89,749 298 9,976 100,023 Total $ 297,946 $ 3,187 $ 21,026 $ 322,159 The Company also obtains the credit scores of its borrowers upon origination (if available by the credit bureau), but the scores are not updated. The Company focuses mostly on the performance and repayment ability of the borrower as an indicator of credit risk and does not consider a borrower's credit score to be a significant influence in the determination of a loan's credit risk grading. For residential and consumer loan classes, the Company evaluates credit quality based on the aging status of the loan, which was previously presented, and by payment activity. The following table presents the recorded investment of residential and consumer loans by class of loans based on repayment activity as of June 30, 2020 and December 31, 2019: June 30 , 2020 Consumer Residential Automobile Home Equity Other Real Estate Total Performing $ 60,127 $ 19,912 $ 52,264 $ 309,061 $ 441,364 Nonperforming 242 213 224 5,926 6,605 Total $ 60,369 $ 20,125 $ 52,488 $ 314,987 $ 447,969 December 31, 2019 Consumer Residential Automobile Home Equity Other Real Estate Total Performing $ 63,470 $ 22,490 $ 53,224 $ 303,879 $ 443,063 Nonperforming 300 392 486 6,374 7,552 Total $ 63,770 $ 22,882 $ 53,710 $ 310,253 $ 450,615 The Company, through its subsidiaries, originates residential, consumer, and commercial loans to customers located primarily in the southeastern areas of Ohio as well as the western counties of West Virginia. Approximately 4.34% of total loans were unsecured at June 30, 2020, down from 5.00% at December 31, 2019.

FINANCIAL INSTRUMENTS WITH OFF-

FINANCIAL INSTRUMENTS WITH OFF-BALANCE SHEET RISK	6 Months Ended
	Jun. 30, 2020
FINANCIAL INSTRUMENTS WITH OFF-BALANCE SHEET RISK [Abstract]
FINANCIAL INSTRUMENTS WITH OFF-BALANCE SHEET RISK	NOTE 5 - FINANCIAL INSTRUMENTS WITH OFF-BALANCE SHEET RISK The Bank is a party to financial instruments with off-balance sheet risk in the normal course of business to meet the financing needs of its customers. These financial instruments include commitments to extend credit, standby letters of credit and financial guarantees. The Bank’s exposure to credit loss in the event of nonperformance by the other party to the financial instrument for commitments to extend credit and standby letters of credit, and financial guarantees written, is represented by the contractual amount of those instruments. The contract amounts of these instruments are not included in the consolidated financial statements. At June 30, 2020, the contract amounts of these instruments totaled approximately $84,507, compared to $75,178 at December 31, 2019. The Bank uses the same credit policies in making commitments and conditional obligations as it does for instruments recorded on the balance sheet. Since many of these instruments are expected to expire without being drawn upon, the total contract amounts do not necessarily represent future cash requirements.

OTHER BORROWED FUNDS

OTHER BORROWED FUNDS	6 Months Ended
	Jun. 30, 2020
OTHER BORROWED FUNDS [Abstract]
OTHER BORROWED FUNDS	NOTE 6 - OTHER BORROWED FUNDS Other borrowed funds at June 30, 2020 and December 31, 2019 are comprised of advances from the Federal Home Loan Bank (“FHLB”) of Cincinnati and promissory notes. FHLB Borrowings Promissory Notes Totals June 30, 2020 $ 26,446 $ 3,664 $ 30,110 December 31, 2019 $ 29,758 $ 4,233 $ 33,991 Pursuant to collateral agreements with the FHLB, advances were secured by $306,417 in qualifying mortgage loans, $79,976 in commercial loans and $5,365 in FHLB stock at June 30, 2020. Fixed-rate FHLB advances of $26,446 mature through 2042 and have interest rates ranging from 1.53% to 3.31% and a year-to-date weighted average cost of 2.40%. There were no variable-rate FHLB borrowings at June 30, 2020. At June 30, 2020, the Company had a cash management line of credit enabling it to borrow up to $80,000 from the FHLB. All cash management advances have an original maturity of 90 days. The line of credit must be renewed on an annual basis. There was $80,000 available on this line of credit at June 30, 2020. Based on the Company's current FHLB stock ownership, total assets and pledgeable loans, the Company had the ability to obtain borrowings from the FHLB up to a maximum of $198,131 at June 30, 2020. Of this maximum borrowing capacity, the Company had $109,288 available to use as additional borrowings, of which $80,000 could be used for short-term, cash management advances, as mentioned above. Promissory notes, issued primarily by Ohio Valley, are due at various dates through a final maturity date of May 18, 2021, and have fixed rates ranging from 2.00% to 4.09% and a year-to-date weighted average cost of 2.40% at June 30, 2020, as compared to 2.73% at December 31, 2019. There were seven promissory notes payable by Ohio Valley to related parties totaling $3,558 at June 30, 2020, and December 31, 2019. Promissory notes payable to other banks totaled $106 at June 30, 2020, as compared to $405 at December 31, 2019. Letters of credit issued on the Bank's behalf by the FHLB to collateralize certain public unit deposits as required by law totaled $62,397 at June 30, 2020 and $56,500 at December 31, 2019. Scheduled principal payments as of June 30, 2020: FHLB Borrowings Promissory Notes Totals 2020 $ 1,541 $ 2,104 $ 3,645 2021 2,888 1,560 4,448 2022 2,727 — 2,727 2023 2,588 — 2,588 2024 2,214 — 2,214 Thereafter 14,488 — 14,488 $ 26,446 $ 3,664 $ 30,110

SEGMENT INFORMATION

SEGMENT INFORMATION	6 Months Ended
	Jun. 30, 2020
SEGMENT INFORMATION [Abstract]
SEGMENT INFORMATION	NOTE 7 – SEGMENT INFORMATION The reportable segments are determined by the products and services offered, primarily distinguished between banking and consumer finance. They are also distinguished by the level of information provided to the chief operating decision maker, who uses such information to review performance of various components of the business, which are then aggregated if operating performance, products/services, and customers are similar. Loans, investments, and deposits provide the majority of the net revenues from the banking operation, while loans provide the majority of the net revenues for the consumer finance segment. All Company segments are domestic. Total revenues from the banking segment, which accounted for the majority of the Company's total revenues, totaled 93.2% and 93.1% of total consolidated revenues for the quarters end June 30, 2020 and 2019, respectively. The accounting policies used for the Company's reportable segments are the same as those described in Note 1 - Summary of Significant Accounting Policies. Income taxes are allocated based on income before tax expense. Information for the Company’s reportable segments is as follows: Three Months Ended June 30, 2020 Banking Consumer Finance Total Company Net interest income $ 9,317 $ 478 $ 9,795 Provision expense (400 ) 7 (393 ) Noninterest income 2,201 48 2,249 Noninterest expense 9,049 553 9,602 Tax expense 579 (7 ) 572 Net income 2,290 (27 ) 2,263 Assets 1,091,377 11,618 1,102,995 Three Months Ended June 30, 2019 Banking Consumer Finance Total Company Net interest income $ 10,088 $ 565 $ 10,653 Provision expense (800 ) (6 ) (806 ) Noninterest income 1,960 43 2,003 Noninterest expense 9,211 580 9,791 Tax expense 585 7 592 Net income 3,052 27 3,079 Assets 1,023,466 11,509 1,034,975 Six Months Ended June 30, 2020 Banking Consumer Finance Total Company Net interest income $ 18,788 $ 1,011 $ 19,799 Provision expense 3,445 8 3,453 Noninterest income 5,688 1,003 6,691 Noninterest expense 17,815 1,306 19,121 Tax expense 504 147 651 Net income 2,712 553 3,265 Assets 1,091,377 11,618 1,102,995 Six Months Ended June 30, 2019 Banking Consumer Finance Total Company Net interest income $ 20,125 $ 1,915 $ 22,040 Provision expense 1,450 121 1,571 Noninterest income 3,779 70 3,849 Noninterest expense 18,031 1,328 19,359 Tax expense 575 112 687 Net income 3,848 424 4,272 Assets 1,023,466 11,509 1,034,975

LEASES

LEASES	6 Months Ended
	Jun. 30, 2020
LEASES [Abstract]
LEASES	NOTE 8 – LEASES Substantially all of the Company’s operating lease right-of-use (“ROU”) assets and operating lease liabilities represent leases for branch buildings and office space to conduct business. Leases with an initial term of 12 months or less are not recorded on the consolidated balance sheet. The lease expense for these leases are recorded on a straight-line basis over the lease term. Leases with initial terms in excess of 12 months are recorded as either operating or financing leases on the consolidated balance sheet. The Company has no finance lease arrangements. Operating leases have remaining lease terms ranging from 15 months to 17 years, some of which include options to extend the leases for up to 15 years. Operating lease ROU assets and operating lease liabilities are valued based on the present value of future minimum lease payments, discounted with an incremental borrowing rate for the same term as the underlying lease. The Company has one lease arrangement that contains variable lease payments that are adjusted periodically for an index. Upon adoption of the new lease guidance on January 1, 2019, an initial ROU asset of $1,280 was recognized as a non-cash asset addition to the consolidated balance sheet. Balance sheet information related to leases was as follows: As of June 30, 2020 As of December 31, 2019 Operating leases: Operating lease right-of-use assets $ 955 $ 1,053 Operating lease liabilities 955 1,053 The components of lease cost were as follows: Three Months Ended June 30, Six Months Ended June 30, 2020 2019 2020 2019 Operating lease cost $ 41 $ 80 $ 95 $ 146 Short-term lease expense 8 15 16 31 Future undiscounted lease payments for operating leases with initial terms of one year or more as of June 30, 2020 are as follows: Operating Leases 2020 (remaining) $ 79 2021 157 2022 157 2023 116 2024 95 Thereafter 546 Total lease payments 1,150 Less: Imputed Interest (195 ) Total operating leases $ 955 Other information was as follows: As of June 30, 2020 As of December 31, 2019 Weighted-average remaining lease term for operating leases 10.0 years 10.6 years Weighted-average discount rate for operating leases 2.77 % 2.76 %

SUMMARY OF SIGNIFICANT ACCOUN_2

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies)	6 Months Ended
	Jun. 30, 2020
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]
BASIS OF PRESENTATION	BASIS OF PRESENTATION: These interim financial statements are prepared by the Company without audit and reflect all adjustments of a normal recurring nature which, in the opinion of management, are necessary to present fairly the consolidated financial position of the Company at June 30, 2020, and its results of operations and cash flows for the periods presented. The results of operations for the three and six months ended June 30, 2020 are not necessarily indicative of the operating results to be anticipated for the full fiscal year ending December 31, 2020. The accompanying consolidated financial statements do not purport to contain all the necessary financial disclosures required by U.S. generally accepted accounting principles (“US GAAP”) that might otherwise be necessary in the circumstances. The Annual Report of the Company for the year ended December 31, 2019 contains consolidated financial statements and related notes which should be read in conjunction with the accompanying consolidated financial statements. The consolidated financial statements for 2019 have been reclassified to conform to the presentation for 2020. These reclassifications had no effect on net income or shareholders’ equity.
USE OF ESTIMATES IN THE PREPARATION OF FINANCIAL STATEMENTS	USE OF ESTIMATES IN THE PREPARATION OF FINANCIAL STATEMENTS:
INDUSTRY SEGMENT INFORMATION	INDUSTRY SEGMENT INFORMATION:
EARNINGS PER SHARE	EARNINGS PER SHARE: Earnings per share are computed based on net income divided by the weighted average number of common shares outstanding during the period. The weighted average common shares outstanding were and for the three months ended , and , respectively. Ohio Valley had no dilutive effect and no potential common shares issuable under stock options or other agreements for any period presented.
ADOPTION OF NEW ACCOUNTING STANDARD UPDATES AND GUIDANCE TO BE ADOPTED IN FUTURE PERIODS	ADOPTION OF NEW ACCOUNTING STANDARD UPDATES (“ASU”): ACCOUNTING GUIDANCE TO BE ADOPTED IN FUTURE PERIODS:

FAIR VALUE OF FINANCIAL INSTR_2

FAIR VALUE OF FINANCIAL INSTRUMENTS (Tables)	6 Months Ended
	Jun. 30, 2020
FAIR VALUE OF FINANCIAL INSTRUMENTS [Abstract]
Assets and Liabilities Measured on Recurring Basis	Assets and liabilities measured at fair value on a recurring basis are summarized below: Fair Value Measurements at June 30, 2020 Using Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Assets: U.S. Government sponsored entity securities — $ 15,633 — Agency mortgage-backed securities, residential — 99,354 — Interest rate swap derivatives — 1,148 — Liabilities : Interest rate swap derivatives — (1,148 ) — Fair Value Measurements at December 31, 2019 Using Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Assets: U.S. Government sponsored entity securities — $ 16,736 — Agency mortgage-backed securities, residential — 88,582 — Interest rate swap derivatives — 465 — Liabilities Interest rate swap derivatives — (465 ) —
Assets and Liabilities Measured on Nonrecurring Basis	There were no assets or liabilities measured at fair value on a nonrecurring basis at June 30, 2020. Assets and liabilities measured at fair value on a nonrecurring basis at December 31, 2019 are summarized below: Fair Value Measurements at December 31, 2019, Using Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Assets: Impaired loans: Commercial real estate: Owner-occupied — — $ 1,644 Commercial and Industrial — — 4,559
Quantitative Information about Level 3 Inputs	The following table presents quantitative information about Level 3 fair value measurements for financial instruments measured at fair value on a non-recurring basis at December 31, 2019: December 31, 2019 Fair Value Valuation Technique(s) Unobservable Input(s) Range (Weighted Average) Impaired loans: 1 1 1 Commercial real estate: Owner-occupied $ 1,644 Sales approach Adjustment to comparables 0% to 20% 9.7 % Commercial and industrial 4,559 Sales approach Adjustment to comparables 0% to 61% 10.3 %
Carrying Amounts and Estimated Fair Values of Financial Instruments	The carrying amounts and estimated fair values of financial instruments at June 30, 2020 and December 31, 2019 are as follows: Carrying Fair Value Measurements at June 30, 2020 Using Value Level 1 Level 2 Level 3 Total Financial Assets: Cash and cash equivalents $ 68,251 $ 68,251 $ — $ — $ 68,251 Certificates of deposit in financial institutions 2,323 — 2,323 — 2,323 Securities available for sale 114,987 — 114,987 — 114,987 Securities held to maturity 11,769 — 3,923 8,211 12,134 Loans, net 822,851 — — 817,932 817,932 Interest rate swap derivatives 1,148 — 1,148 — 1,148 Accrued interest receivable 3,537 — 327 3,210 3,537 Financial liabilities: Deposits 911,847 266,840 647,433 — 914,273 Other borrowed funds 30,110 — 32,134 — 32,134 Subordinated debentures 8,500 — 5,586 — 5,586 Interest rate swap derivatives 1,148 — 1,148 — 1,148 Accrued interest payable 1,442 1 1,441 — 1,442 Carrying Fair Value Measurements at December 31, 2019 Using: Value Level 1 Level 2 Level 3 Total Financial Assets: Cash and cash equivalents $ 52,356 $ 52,356 $ — $ — $ 52,356 Certificates of deposit in financial institutions 2,360 — 2,360 — 2,360 Securities available for sale 105,318 — 105,318 — 105,318 Securities held to maturity 12,033 — 6,446 5,958 12,404 Loans, net 766,502 — — 771,285 771,285 Interest rate swap derivatives 465 — 465 — 465 Accrued interest receivable 2,564 — 315 2,249 2,564 Financial liabilities: Deposits 821,471 222,607 599,937 — 822,544 Other borrowed funds 33,991 — 34,345 — 34,345 Subordinated debentures 8,500 — 6,275 — 6,275 Interest rate swap derivatives 465 — 465 — 465 Accrued interest payable 1,589 3 1,586 — 1,589

SECURITIES (Tables)

SECURITIES (Tables)	6 Months Ended
	Jun. 30, 2020
SECURITIES [Abstract]
Amortized Cost and Fair Value of Securities Available-for-sale	The following table summarizes the amortized cost and fair value of securities available for sale and securities held to maturity at June 30, 2020 and December 31, 2019, and the corresponding amounts of gross unrealized gains and losses recognized in accumulated other comprehensive (loss) and gross unrecognized gains and losses: Securities Available for Sale Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Estimated Fair Value June 30 , 2020 U.S. Government sponsored entity securities $ 15,223 $ 410 $ — $ 15,633 Agency mortgage-backed securities, residential 96,074 3,291 (11 ) 99,354 Total securities $ 111,297 $ 3,701 $ (11 ) $ 114,987 December 31, 2019 U.S. Government sponsored entity securities $ 16,579 $ 163 $ (6 ) $ 16,736 Agency mortgage-backed securities, residential 88,071 807 (296 ) 88,582 Total securities $ 104,650 $ 970 $ (302 ) $ 105,318
Amortized Cost and Fair Value of Securities Held-to-maturity	Securities Held to Maturity Amortized Cost Gross Unrecognized Gains Gross Unrecognized Losses Estimated Fair Value June 30 , 2020 Obligations of states and political subdivisions $ 11,767 $ 365 $ — $ 12,132 Agency mortgage-backed securities, residential 2 — — 2 Total securities $ 11,769 $ 365 $ — $ 12,134 December 31, 2019 Obligations of states and political subdivisions $ 12,031 $ 372 $ (1 ) $ 12,402 Agency mortgage-backed securities, residential 2 — — 2 Total securities $ 12,033 $ 372 $ (1 ) $ 12,404
Amortized Cost and Fair Value of Securities by Contractual Maturity	The amortized cost and estimated fair value of debt securities at June 30, 2020, by contractual maturity, are shown below. Actual maturities may differ from contractual maturities because certain issuers may have the right to call or prepay the debt obligations prior to their contractual maturities. Securities not due at a single maturity are shown separately. Available for Sale Held to Maturity Debt Securities: Amortized Cost Estimated Fair Value Amortized Cost Estimated Fair Value Due in one year or less $ 6,892 $ 6,974 $ 819 $ 836 Due in over one to five years 8,331 8,659 6,725 6,928 Due in over five to ten years — — 4,223 4,368 Agency mortgage-backed securities, residential 96,074 99,354 2 2 Total debt securities $ 111,297 $ 114,987 $ 11,769 $ 12,134
Securities with Unrealized Losses in Continuous Unrealized Loss Position	The following table summarizes securities with unrealized losses at June 30, 2020 and December 31, 2019, aggregated by major security type and length of time in a continuous unrealized loss position: June 30, 2020 Less Than 12 Months 12 Months or More Total Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized Loss Securities Available for Sale Agency mortgage-backed securities, residential $ 10,435 $ (11 ) $ — $ — $ 10,435 $ (11 ) Total available for sale $ 10,435 $ (11 ) $ — $ — $ 10,435 $ (11 ) Less Than 12 Months 12 Months or More Total Fair Value Unrecognized Loss Fair Value Unrecognized Loss Fair Value Unrecognized Loss Securities Held to Maturity Obligations of states and political subdivisions $ — $ — $ — $ — $ — $ — Total held to maturity $ — $ — $ — $ — $ — $ — December 31, 2019 Less Than 12 Months 12 Months or More Total Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized Loss Securities Available for Sale U.S. Government sponsored entity securities $ — $ — $ 1,999 $ (6 ) $ 1,999 $ (6 ) Agency mortgage-backedsecurities, residential 15,041 (84 ) 21,344 (212 ) 36,385 (296 ) Total available for sale $ 15,041 $ (84 ) $ 23,343 $ (218 ) $ 38,384 $ (302 ) Less Than 12 Months 12 Months or More Total Fair Value Unrecognized Loss Fair Value Unrecognized Loss Fair Value Unrecognized Loss Securities Held to Maturity Obligations of states and political subdivisions $ 204 $ (1 ) $ — $ — $ 204 $ (1 ) Total held to maturity $ 204 $ (1 ) $ — $ — $ 204 $ (1 )

LOANS AND ALLOWANCE FOR LOAN _2

LOANS AND ALLOWANCE FOR LOAN LOSSES (Tables)	6 Months Ended
	Jun. 30, 2020
LOANS AND ALLOWANCE FOR LOAN LOSSES [Abstract]
Portfolio Loans	Loans are comprised of the following: June 30, 2020 December 31, 2019 Residential real estate $ 314,987 $ 310,253 Commercial real estate: Owner-occupied 53,580 55,825 Nonowner-occupied 151,780 131,398 Construction 34,531 34,913 Commercial and industrial 142,972 100,023 Consumer: Automobile 60,369 63,770 Home equity 20,125 22,882 Other 52,488 53,710 830,832 772,774 Less: Allowance for loan losses (7,981 ) (6,272 ) Loans, net $ 822,851 $ 766,502
Activity in Allowance for Loan Losses by Portfolio Segment	The following table presents the activity in the allowance for loan losses by portfolio segment for the three months ended June 30, 2020 and 2019: June 30 , 2020 Residential Real Estate Commercial Real Estate Commercial and Industrial Consumer Total Allowance for loan losses: Beginning balance $ 2,002 $ 3,028 $ 2,045 $ 1,654 $ 8,729 Provision for loan losses 64 (343 ) (349 ) 235 (393 ) Loans charged off (52 ) — (56 ) (390 ) (498 ) Recoveries 10 15 9 109 143 Total ending allowance balance $ 2,024 $ 2,700 $ 1,649 $ 1,608 $ 7,981 June 30 , 2019 Residential Real Estate Commercial Real Estate Commercial and Industrial Consumer Total Allowance for loan losses: Beginning balance $ 2,079 $ 2,452 $ 1,315 $ 2,167 $ 8,013 Provision for loan losses (552 ) (260 ) (169 ) 175 (806 ) Loans charged-off (78 ) (438 ) (111 ) (536 ) (1,163 ) Recoveries 524 468 60 305 1,357 Total ending allowance balance $ 1,973 $ 2,222 $ 1,095 $ 2,111 $ 7,401 The following table presents the activity in the allowance for loan losses by portfolio segment for the six months ended June 30, 2020 and 2019: June 30 , 2020 Residential Real Estate Commercial Real Estate Commercial and Industrial Consumer Total Allowance for loan losses: Beginning balance $ 1,250 $ 1,928 $ 1,447 $ 1,647 $ 6,272 Provision for loan losses 990 1,229 275 959 3,453 Loans charged off (250 ) (516 ) (89 ) (1,279 ) (2,134 ) Recoveries 34 59 16 281 390 Total ending allowance balance $ 2,024 $ 2,700 $ 1,649 $ 1,608 $ 7,981 June 30 , 2019 Residential Real Estate Commercial Real Estate Commercial and Industrial Consumer Total Allowance for loan losses: Beginning balance $ 1,583 $ 2,186 $ 1,063 $ 1,896 $ 6,728 Provision for loan losses 261 133 304 873 1,571 Loans charged-off (407 ) (579 ) (344 ) (1,193 ) (2,523 ) Recoveries 536 482 72 535 1,625 Total ending allowance balance $ 1,973 $ 2,222 $ 1,095 $ 2,111 $ 7,401
Allowance for Loan Losses and Recorded Investment in Loans by Portfolio Segment Based on Impairment Method	The following table presents the balance in the allowance for loan losses and the recorded investment of loans by portfolio segment and based on impairment method as of June 30, 2020 and December 31, 2019: June 30 , 2020 Residential Real Estate Commercial Real Estate Commercial and Industrial Consumer Total Allowance for loan losses: Ending allowance balance attributable to loans: Individually evaluated for impairment $ — $ — $ — $ — $ — Collectively evaluated for impairment 2,024 2,700 1,649 1,608 7,981 Total ending allowance balance $ 2,024 $ 2,700 $ 1,649 $ 1,608 $ 7,981 Loans: Loans individually evaluated for impairment $ 423 $ 5,051 $ 4,725 $ 403 $ 10,602 Loans collectively evaluated for impairment 314,564 234,840 138,247 132,579 820,230 Total ending loans balance $ 314,987 $ 239,891 $ 142,972 $ 132,982 $ 830,832 December 31, 2019 Residential Real Estate Commercial Real Estate Commercial and Industrial Consumer Total Allowance for loan losses: Ending allowance balance attributable to loans: Individually evaluated for impairment $ — $ 385 $ 303 $ 119 $ 807 Collectively evaluated for impairment 1,250 1,543 1,144 1,528 5,465 Total ending allowance balance $ 1,250 $ 1,928 $ 1,447 $ 1,647 $ 6,272 Loans: Loans individually evaluated for impairment $ 438 $ 11,300 $ 4,910 $ 487 $ 17,135 Loans collectively evaluated for impairment 309,815 210,836 95,113 139,875 755,639 Total ending loans balance $ 310,253 $ 222,136 $ 100,023 $ 140,362 $ 772,774
Loans Individually Evaluated for Impairment by Class of Loans	The following tables present information related to loans individually evaluated for impairment by class of loans as of June 30, 2020 and December 31, 2019: June 30 , 2020 Unpaid Principal Balance Recorded Investment Allowance for Loan Losses Allocated With an allowance recorded $ — $ — $ — With no related allowance recorded: Residential real estate 424 423 — Commercial real estate: Owner-occupied 4,034 4,034 — Nonowner-occupied 1,017 1,017 — Commercial and industrial 4,725 4,725 — Consumer: Home equity 403 403 — Total $ 10,603 $ 10,602 $ — December 31, 2019 Unpaid Principal Balance Recorded Investment Allowance for Loan Losses Allocated With an allowance recorded: Commercial real estate: Owner-occupied $ 2,030 $ 2,030 $ 385 Commercial and industrial 4,861 4,861 303 Consumer: Automobile 8 8 8 Other 111 111 111 With no related allowance recorded: Residential real estate 438 438 — Commercial real estate: Owner-occupied 1,778 1,778 — Nonowner-occupied 7,492 7,492 — Commercial and industrial 49 49 — Consumer: Home equity 368 368 — Total $ 17,135 $ 17,135 $ 807 The following tables present information related to loans individually evaluated for impairment by class of loans for the three and six months ended June 30, 2020 and 2019: Three months ended June 30, 2020 Six months ended June 30, 2020 Average Impaired Loans Interest Income Recognized Cash Basis Interest Recognized Average Impaired Loans Interest Income Recognized Cash Basis Interest Recognized With an allowance recorded $ — $ — $ — $ — $ — $ — With no related allowance recorded: Residential real estate 426 5 5 430 8 8 Commercial real estate: Owner-occupied 4,051 44 44 3,764 102 102 Nonowner-occupied 1,018 13 13 1,027 24 24 Commercial and industrial 4,355 56 56 4,428 129 129 Consumer: Home equity 403 3 3 391 8 8 Total $ 10,253 $ 121 $ 121 $ 10,040 $ 271 $ 271 Three months ended June 30, 2019 Six months ended June 30, 2019 Average Impaired Loans Interest Income Recognized Cash Basis Interest Recognized Average Impaired Loans Interest Income Recognized Cash Basis Interest Recognized With an allowance recorded: Residential real estate $ 1,213 $ — $ — $ 1,214 $ 5 $ 5 Commercial real estate: Nonowner-occupied 324 1 1 337 1 1 With no related allowance recorded: Residential real estate 636 6 6 575 11 11 Commercial real estate: Owner-occupied 3,483 58 58 3,111 112 112 Nonowner-occupied 7,458 117 117 5,287 228 228 Commercial and industrial 7,366 121 121 6,591 242 242 Consumer: Other 6 — — 4 — — Total $ 20,486 $ 303 $ 303 $ 17,119 $ 599 $ 599
Recorded Investment in Nonaccrual and Loans Past Due Over 90 Days Still on Accrual by Class of Loans	The following table presents the recorded investment of nonaccrual loans and loans past due 90 days or more and still accruing by class of loans as of June 30, 2020 and December 31, 2019: June 30 , 2020 Loans Past Due 90 Days And Still Accruing Nonaccrual Residential real estate $ 153 $ 5,773 Commercial real estate: Owner-occupied 60 341 Nonowner-occupied — 716 Construction — 176 Commercial and industrial 11 427 Consumer: Automobile 65 177 Home equity — 213 Other 164 60 Total $ 453 $ 7,883 December 31, 2019 Loans Past Due 90 Days And Still Accruing Nonaccrual Residential real estate $ 255 $ 6,119 Commercial real estate: Owner-occupied — 863 Nonowner-occupied — 804 Construction — 229 Commercial and industrial — 590 Consumer: Automobile 239 61 Home equity — 392 Other 395 91 Total $ 889 $ 9,149
Aging of Recorded Investment in Past Due Loans by Class of Loans	The following table presents the aging of the recorded investment of past due loans by class of loans as of June 30, 2020 and December 31, 2019: June 30 , 2020 30-59 Days Past Due 60-89 Days Past Due 90 Days Or More Past Due Total Past Due Loans Not Past Due Total Residential real estate $ 2,352 $ 1,260 $ 2,081 $ 5,693 $ 309,294 $ 314,987 Commercial real estate: Owner-occupied 494 — 313 807 52,773 53,580 Nonowner-occupied 645 — 599 1,244 150,536 151,780 Construction 153 — 20 173 34,358 34,531 Commercial and industrial 60 — 438 498 142,474 142,972 Consumer: Automobile 462 124 221 807 59,562 60,369 Home equity 112 81 112 305 19,820 20,125 Other 254 134 192 580 51,908 52,488 Total $ 4,532 $ 1,599 $ 3,976 $ 10,107 $ 820,725 $ 830,832 December 31, 2019 30-59 Days Past Due 60-89 Days Past Due 90 Days Or More Past Due Total Past Due Loans Not Past Due Total Residential real estate $ 4,015 $ 1,314 $ 1,782 $ 7,111 $ 303,142 $ 310,253 Commercial real estate: Owner-occupied 383 59 144 586 55,239 55,825 Nonowner-occupied 12 — 697 709 130,689 131,398 Construction 186 19 49 254 34,659 34,913 Commercial and industrial 1,320 312 241 1,873 98,150 100,023 Consumer: Automobile 986 329 246 1,561 62,209 63,770 Home equity 106 18 279 403 22,479 22,882 Other 559 139 443 1,141 52,569 53,710 Total $ 7,567 $ 2,190 $ 3,881 $ 13,638 $ 759,136 $ 772,774
Troubled Debt Restructuring Loan Modifications	The following table presents the types of TDR loan modifications by class of loans as of June 30, 2020 and December 31, 2019: June 30 , 2020 TDRs Performing to Modified Terms TDRs Not Performing to Modified Terms Total TDRs Residential real estate: Interest only payments $ 205 $ — $ 205 Commercial real estate: Owner-occupied Interest only payments 868 — 868 Reduction of principal and interest payments 1,501 — 1,501 Maturity extension at lower stated rate than market rate 354 — 354 Credit extension at lower stated rate than market rate 388 — 388 Nonowner-occupied Credit extension at lower stated rate than market rate 393 — 393 Commercial and industrial: Interest only payments 3,077 — 3,077 Total TDRs $ 6,786 $ — $ 6,786 December 31, 2019 TDRs Performing to Modified Terms TDRs Not Performing to Modified Terms Total TDRs Residential real estate: Interest only payments $ 209 $ — $ 209 Commercial real estate: Owner-occupied Interest only payments 882 — 882 Reduction of principal and interest payments 1,521 — 1,521 Maturity extension at lower stated rate than market rate 393 — 393 Credit extension at lower stated rate than market rate 393 — 393 Nonowner-occupied Credit extension at lower stated rate than market rate 395 — 395 Commercial and industrial: Interest only payments 4,574 — 4,574 Reduction of principal and interest payments 185 — 185 Total TDRs $ 8,552 $ — $ 8,552
Troubled Debt Restructurings on Financing Receivables Pre And Post Modification	There were no TDR loan modifications that occurred during the three and six months ended June 30, 2020. The following table presents the pre- and post-modification balances of TDR loan modifications by class of loans that occurred during the three and six months ended June 30, 2019: TDRs Performing to Modified Terms TDRs Not Performing toModified Terms Three months ended June 30 , 2019 Number of Loans Pre-Modification Recorded Investment Post-Modification Recorded Investment Pre-Modification Recorded Investment Post-Modification Recorded Investment Residential real estate: Interest only payments 1 $ 292 $ 292 $ — $ — Commercial and Industrial: Interest only payments 1 282 282 Total TDRs 2 $ 574 $ 574 $ — $ — TDRs Performing to Modified Terms TDRs Not Performing to Modified Terms Six months ended June 30 , 2019 Number of Loans Pre-Modification Recorded Investment Post-Modification Recorded Investment Pre-Modification Recorded Investment Post-Modification Recorded Investment Residential real estate: Interest only payments 1 $ 292 $ 292 $ — $ — Commercial and Industrial: Interest only payments 1 282 282 Total TDRs 2 $ 574 $ 574 $ — $ —
Financing Receivable Credit Quality Indicators	Criticized and classified loans will mostly consist of commercial and industrial and commercial real estate loans. The Company considers its loans that do not meet the criteria for a criticized and classified asset rating as pass rated loans, which will include loans graded from 1 (Prime) to 7 (Watch). All commercial loans are categorized into a risk category either at the time of origination or reevaluation date. As of June 30, 2020 and December 31, 2019, and based on the most recent analysis performed, the risk category of commercial loans by class of loans was as follows: June 30 , 2020 Pass Criticized Classified Total Commercial real estate: Owner-occupied $ 48,178 $ 686 $ 4,716 $ 53,580 Nonowner-occupied 144,420 6,170 1,190 151,780 Construction 34,531 — — 34,531 Commercial and industrial 134,820 2,703 5,449 142,972 Total $ 361,949 $ 9,559 $ 11,355 $ 382,863 December 31, 2019 Pass Criticized Classified Total Commercial real estate: Owner-occupied $ 49,486 $ 2,889 $ 3,450 $ 55,825 Nonowner-occupied 123,847 — 7,551 131,398 Construction 34,864 — 49 34,913 Commercial and industrial 89,749 298 9,976 100,023 Total $ 297,946 $ 3,187 $ 21,026 $ 322,159
Recorded Investment of Residential and Consumer Loans	For residential and consumer loan classes, the Company evaluates credit quality based on the aging status of the loan, which was previously presented, and by payment activity. The following table presents the recorded investment of residential and consumer loans by class of loans based on repayment activity as of June 30, 2020 and December 31, 2019: June 30 , 2020 Consumer Residential Automobile Home Equity Other Real Estate Total Performing $ 60,127 $ 19,912 $ 52,264 $ 309,061 $ 441,364 Nonperforming 242 213 224 5,926 6,605 Total $ 60,369 $ 20,125 $ 52,488 $ 314,987 $ 447,969 December 31, 2019 Consumer Residential Automobile Home Equity Other Real Estate Total Performing $ 63,470 $ 22,490 $ 53,224 $ 303,879 $ 443,063 Nonperforming 300 392 486 6,374 7,552 Total $ 63,770 $ 22,882 $ 53,710 $ 310,253 $ 450,615

OTHER BORROWED FUNDS (Tables)

OTHER BORROWED FUNDS (Tables)	6 Months Ended
	Jun. 30, 2020
OTHER BORROWED FUNDS [Abstract]
Schedule of Federal Home Loan Bank, Advances, by Branch of FHLB Bank	Other borrowed funds at June 30, 2020 and December 31, 2019 are comprised of advances from the Federal Home Loan Bank (“FHLB”) of Cincinnati and promissory notes. FHLB Borrowings Promissory Notes Totals June 30, 2020 $ 26,446 $ 3,664 $ 30,110 December 31, 2019 $ 29,758 $ 4,233 $ 33,991
Schedule of Maturities of Long-term Debt	Scheduled principal payments as of June 30, 2020: FHLB Borrowings Promissory Notes Totals 2020 $ 1,541 $ 2,104 $ 3,645 2021 2,888 1,560 4,448 2022 2,727 — 2,727 2023 2,588 — 2,588 2024 2,214 — 2,214 Thereafter 14,488 — 14,488 $ 26,446 $ 3,664 $ 30,110

SEGMENT INFORMATION (Tables)

SEGMENT INFORMATION (Tables)	6 Months Ended
	Jun. 30, 2020
SEGMENT INFORMATION [Abstract]
Segment Information	Information for the Company’s reportable segments is as follows: Three Months Ended June 30, 2020 Banking Consumer Finance Total Company Net interest income $ 9,317 $ 478 $ 9,795 Provision expense (400 ) 7 (393 ) Noninterest income 2,201 48 2,249 Noninterest expense 9,049 553 9,602 Tax expense 579 (7 ) 572 Net income 2,290 (27 ) 2,263 Assets 1,091,377 11,618 1,102,995 Three Months Ended June 30, 2019 Banking Consumer Finance Total Company Net interest income $ 10,088 $ 565 $ 10,653 Provision expense (800 ) (6 ) (806 ) Noninterest income 1,960 43 2,003 Noninterest expense 9,211 580 9,791 Tax expense 585 7 592 Net income 3,052 27 3,079 Assets 1,023,466 11,509 1,034,975 Six Months Ended June 30, 2020 Banking Consumer Finance Total Company Net interest income $ 18,788 $ 1,011 $ 19,799 Provision expense 3,445 8 3,453 Noninterest income 5,688 1,003 6,691 Noninterest expense 17,815 1,306 19,121 Tax expense 504 147 651 Net income 2,712 553 3,265 Assets 1,091,377 11,618 1,102,995 Six Months Ended June 30, 2019 Banking Consumer Finance Total Company Net interest income $ 20,125 $ 1,915 $ 22,040 Provision expense 1,450 121 1,571 Noninterest income 3,779 70 3,849 Noninterest expense 18,031 1,328 19,359 Tax expense 575 112 687 Net income 3,848 424 4,272 Assets 1,023,466 11,509 1,034,975

LEASES (Tables)

LEASES (Tables)	6 Months Ended
	Jun. 30, 2020
LEASES [Abstract]
Balance Sheet Information	Balance sheet information related to leases was as follows: As of June 30, 2020 As of December 31, 2019 Operating leases: Operating lease right-of-use assets $ 955 $ 1,053 Operating lease liabilities 955 1,053
Components of Lease Cost	The components of lease cost were as follows: Three Months Ended June 30, Six Months Ended June 30, 2020 2019 2020 2019 Operating lease cost $ 41 $ 80 $ 95 $ 146 Short-term lease expense 8 15 16 31
Maturities of Lease Liabilities	Future undiscounted lease payments for operating leases with initial terms of one year or more as of June 30, 2020 are as follows: Operating Leases 2020 (remaining) $ 79 2021 157 2022 157 2023 116 2024 95 Thereafter 546 Total lease payments 1,150 Less: Imputed Interest (195 ) Total operating leases $ 955
Other Information	Other information was as follows: As of June 30, 2020 As of December 31, 2019 Weighted-average remaining lease term for operating leases 10.0 years 10.6 years Weighted-average discount rate for operating leases 2.77 % 2.76 %

SUMMARY OF SIGNIFICANT ACCOUN_3

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Details)	3 Months Ended		6 Months Ended
	Jun. 30, 2020shares	Jun. 30, 2019shares	Jun. 30, 2020Segmentshares	Jun. 30, 2019shares
INDUSTRY SEGMENT INFORMATION [Abstract]
Number of reported lines of business | Segment			2
EARNINGS PER SHARE [Abstract]
Number of weighted average common shares outstanding (in shares) | shares	4,787,446	4,763,858	4,787,446	4,756,209

FAIR VALUE OF FINANCIAL INSTR_3

FAIR VALUE OF FINANCIAL INSTRUMENTS, Assets and Liabilities Measured on Recurring Basis (Details) - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2020	Dec. 31, 2019	Jun. 30, 2019
FAIR VALUE OF FINANCIAL INSTRUMENTS [Abstract]
Selling costs percentage	10.00%
Fair Value, Asset and Liabilities [Abstract]
Assets, transfers from Level 1 to Level 2	$ 0		$ 0
Assets, transfers from Level 2 to Level 1	0		0
Liabilities, transfers from Level 1 to Level 2	0		0
Liabilities, transfers from Level 2 to Level 1	0		$ 0
Recurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Interest Rate Swap Derivatives [Member]
Fair Value, Asset and Liabilities [Abstract]
Assets, fair value	0	$ 0
Liabilities, fair value	0	0
Recurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | U.S. Government Sponsored Entity Securities [Member]
Fair Value, Asset and Liabilities [Abstract]
Assets, fair value	0	0
Recurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Agency Mortgage-backed Securities, Residential [Member]
Fair Value, Asset and Liabilities [Abstract]
Assets, fair value	0	0
Recurring [Member] | Significant Other Observable (Level 2) [Member] | Interest Rate Swap Derivatives [Member]
Fair Value, Asset and Liabilities [Abstract]
Assets, fair value	1,148	465
Liabilities, fair value	(1,148)	(465)
Recurring [Member] | Significant Other Observable (Level 2) [Member] | U.S. Government Sponsored Entity Securities [Member]
Fair Value, Asset and Liabilities [Abstract]
Assets, fair value	15,633	16,736
Recurring [Member] | Significant Other Observable (Level 2) [Member] | Agency Mortgage-backed Securities, Residential [Member]
Fair Value, Asset and Liabilities [Abstract]
Assets, fair value	99,354	88,582
Recurring [Member] | Significant Unobservable Inputs (Level 3) [Member] | Interest Rate Swap Derivatives [Member]
Fair Value, Asset and Liabilities [Abstract]
Assets, fair value	0	0
Liabilities, fair value	0	0
Recurring [Member] | Significant Unobservable Inputs (Level 3) [Member] | U.S. Government Sponsored Entity Securities [Member]
Fair Value, Asset and Liabilities [Abstract]
Assets, fair value	0	0
Recurring [Member] | Significant Unobservable Inputs (Level 3) [Member] | Agency Mortgage-backed Securities, Residential [Member]
Fair Value, Asset and Liabilities [Abstract]
Assets, fair value	$ 0	$ 0

FAIR VALUE OF FINANCIAL INSTR_4

FAIR VALUE OF FINANCIAL INSTRUMENTS, Assets and Liabilities Measured on Nonrecurring Basis (Details) - Nonrecurring [Member] - USD ($) $ in Thousands	Jun. 30, 2020	Dec. 31, 2019
Fair Value, Asset and Liabilities [Abstract]
Assets, fair value	$ 0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Impaired Loans [Member] | Commercial Real Estate [Member] | Owner Occupied [Member]
Fair Value, Asset and Liabilities [Abstract]
Assets, fair value		$ 0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Impaired Loans [Member] | Commercial and Industrial [Member]
Fair Value, Asset and Liabilities [Abstract]
Assets, fair value		0
Significant Other Observable (Level 2) [Member] | Impaired Loans [Member] | Commercial Real Estate [Member] | Owner Occupied [Member]
Fair Value, Asset and Liabilities [Abstract]
Assets, fair value		0
Significant Other Observable (Level 2) [Member] | Impaired Loans [Member] | Commercial and Industrial [Member]
Fair Value, Asset and Liabilities [Abstract]
Assets, fair value		0
Significant Unobservable Inputs (Level 3) [Member] | Impaired Loans [Member] | Commercial Real Estate [Member] | Owner Occupied [Member]
Fair Value, Asset and Liabilities [Abstract]
Assets, fair value		1,644
Significant Unobservable Inputs (Level 3) [Member] | Impaired Loans [Member] | Commercial and Industrial [Member]
Fair Value, Asset and Liabilities [Abstract]
Assets, fair value		$ 4,559

FAIR VALUE OF FINANCIAL INSTR_5

FAIR VALUE OF FINANCIAL INSTRUMENTS, Quantitative Information about Level 3 Inputs (Details) $ in Thousands	3 Months Ended		6 Months Ended		12 Months Ended
	Jun. 30, 2020USD ($)	Jun. 30, 2019USD ($)	Jun. 30, 2020USD ($)	Jun. 30, 2019USD ($)	Dec. 31, 2019USD ($)
Impaired loans measurement [Abstract]
Impaired financing receivable, with related allowance, recorded investment	$ 0		$ 0		$ 7,010
Impaired financing receivable, related allowance	0		0		807
Financing receivable, provision expense	0	$ (3)	0	$ 1	807
Financing receivable, charge-offs		65		65	0
Other real estate	0		0		0
Other real estate, write-down	0	$ 0	0	$ 0
Commercial Real Estate [Member] | Owner Occupied [Member]
Impaired loans measurement [Abstract]
Impaired financing receivable, with related allowance, recorded investment					2,030
Impaired financing receivable, related allowance					385
Commercial and Industrial [Member]
Impaired loans measurement [Abstract]
Impaired financing receivable, with related allowance, recorded investment	0		0		4,861
Impaired financing receivable, related allowance	$ 0		$ 0		303
Significant Unobservable Inputs (Level 3) [Member] | Commercial Real Estate [Member] | Owner Occupied [Member] | Nonrecurring [Member]
Significant Unobservable Inputs Related to Assets and Liabilities Measured at Fair Value [Abstract]
Impaired loans, fair value					$ 1,644
Significant Unobservable Inputs (Level 3) [Member] | Commercial Real Estate [Member] | Owner Occupied [Member] | Adjustment to Comparable [Member] | Sales Approach [Member] | Nonrecurring [Member] | Minimum [Member]
Significant Unobservable Inputs Related to Assets and Liabilities Measured at Fair Value [Abstract]
Impaired loans, measurement inputs					0
Significant Unobservable Inputs (Level 3) [Member] | Commercial Real Estate [Member] | Owner Occupied [Member] | Adjustment to Comparable [Member] | Sales Approach [Member] | Nonrecurring [Member] | Maximum [Member]
Significant Unobservable Inputs Related to Assets and Liabilities Measured at Fair Value [Abstract]
Impaired loans, measurement inputs					0.20
Significant Unobservable Inputs (Level 3) [Member] | Commercial Real Estate [Member] | Owner Occupied [Member] | Adjustment to Comparable [Member] | Sales Approach [Member] | Nonrecurring [Member] | Weighted Average [Member]
Significant Unobservable Inputs Related to Assets and Liabilities Measured at Fair Value [Abstract]
Impaired loans, measurement inputs					0.097
Significant Unobservable Inputs (Level 3) [Member] | Commercial and Industrial [Member] | Nonrecurring [Member]
Significant Unobservable Inputs Related to Assets and Liabilities Measured at Fair Value [Abstract]
Impaired loans, fair value					$ 4,559
Significant Unobservable Inputs (Level 3) [Member] | Commercial and Industrial [Member] | Adjustment to Comparable [Member] | Sales Approach [Member] | Nonrecurring [Member] | Minimum [Member]
Significant Unobservable Inputs Related to Assets and Liabilities Measured at Fair Value [Abstract]
Impaired loans, measurement inputs					0
Significant Unobservable Inputs (Level 3) [Member] | Commercial and Industrial [Member] | Adjustment to Comparable [Member] | Sales Approach [Member] | Nonrecurring [Member] | Maximum [Member]
Significant Unobservable Inputs Related to Assets and Liabilities Measured at Fair Value [Abstract]
Impaired loans, measurement inputs					0.61
Significant Unobservable Inputs (Level 3) [Member] | Commercial and Industrial [Member] | Adjustment to Comparable [Member] | Sales Approach [Member] | Nonrecurring [Member] | Weighted Average [Member]
Significant Unobservable Inputs Related to Assets and Liabilities Measured at Fair Value [Abstract]
Impaired loans, measurement inputs					0.103

FAIR VALUE OF FINANCIAL INSTR_6

FAIR VALUE OF FINANCIAL INSTRUMENTS, Carrying Amounts and Estimated Fair Values of Financial Instruments (Details) - USD ($) $ in Thousands	Jun. 30, 2020	Dec. 31, 2019
Financial Assets [Abstract]
Securities held to maturity	$ 12,134	$ 12,404
Carrying Amount [Member]
Financial Assets [Abstract]
Cash and cash equivalents	68,251	52,356
Certificates of deposit in financial institutions	2,323	2,360
Securities available for sale	114,987	105,318
Securities held to maturity	11,769	12,033
Loans, net	822,851	766,502
Interest rate swap derivatives	1,148	465
Accrued interest receivable	3,537	2,564
Financial Liabilities [Abstract]
Deposits	911,847	821,471
Other borrowed funds	30,110	33,991
Subordinated debentures	8,500	8,500
Interest rate swap derivatives	1,148	465
Accrued interest payable	1,442	1,589
Estimated Fair Value [Member]
Financial Assets [Abstract]
Cash and cash equivalents	68,251	52,356
Certificates of deposit in financial institutions	2,323	2,360
Securities available for sale	114,987	105,318
Securities held to maturity	12,134	12,404
Loans, net	817,932	771,285
Interest rate swap derivatives	1,148	465
Accrued interest receivable	3,537	2,564
Financial Liabilities [Abstract]
Deposits	914,273	822,544
Other borrowed funds	32,134	34,345
Subordinated debentures	5,586	6,275
Interest rate swap derivatives	1,148	465
Accrued interest payable	1,442	1,589
Estimated Fair Value [Member] | Level 1 [Member]
Financial Assets [Abstract]
Cash and cash equivalents	68,251	52,356
Certificates of deposit in financial institutions	0	0
Securities available for sale	0	0
Securities held to maturity	0	0
Loans, net	0	0
Interest rate swap derivatives	0	0
Accrued interest receivable	0	0
Financial Liabilities [Abstract]
Deposits	266,840	222,607
Other borrowed funds	0	0
Subordinated debentures	0	0
Interest rate swap derivatives	0	0
Accrued interest payable	1	3
Estimated Fair Value [Member] | Level 2 [Member]
Financial Assets [Abstract]
Cash and cash equivalents	0	0
Certificates of deposit in financial institutions	2,323	2,360
Securities available for sale	114,987	105,318
Securities held to maturity	3,923	6,446
Loans, net	0	0
Interest rate swap derivatives	1,148	465
Accrued interest receivable	327	315
Financial Liabilities [Abstract]
Deposits	647,433	599,937
Other borrowed funds	32,134	34,345
Subordinated debentures	5,586	6,275
Interest rate swap derivatives	1,148	465
Accrued interest payable	1,441	1,586
Estimated Fair Value [Member] | Level 3 [Member]
Financial Assets [Abstract]
Cash and cash equivalents	0	0
Certificates of deposit in financial institutions	0	0
Securities available for sale	0	0
Securities held to maturity	8,211	5,958
Loans, net	817,932	771,285
Interest rate swap derivatives	0	0
Accrued interest receivable	3,210	2,249
Financial Liabilities [Abstract]
Deposits	0	0
Other borrowed funds	0	0
Subordinated debentures	0	0
Interest rate swap derivatives	0	0
Accrued interest payable	$ 0	$ 0

SECURITIES, Amortized Cost and

SECURITIES, Amortized Cost and Fair Value of Securities Available-for-sale (Details) - USD ($) $ in Thousands	Jun. 30, 2020	Dec. 31, 2019
Available-for-sale Investment Securities [Abstract]
Amortized Cost	$ 111,297	$ 104,650
Gross Unrealized Gains	3,701	970
Gross Unrealized Losses	(11)	(302)
Estimated Fair Value	114,987	105,318
US Government-sponsored Entity Securities [Member]
Available-for-sale Investment Securities [Abstract]
Amortized Cost	15,223	16,579
Gross Unrealized Gains	410	163
Gross Unrealized Losses	0	(6)
Estimated Fair Value	15,633	16,736
Agency Mortgage-backed Securities, Residential [Member]
Available-for-sale Investment Securities [Abstract]
Amortized Cost	96,074	88,071
Gross Unrealized Gains	3,291	807
Gross Unrealized Losses	(11)	(296)
Estimated Fair Value	$ 99,354	$ 88,582

SECURITIES, Amortized Cost an_2

SECURITIES, Amortized Cost and Fair Value of Securities Held-to-maturity (Details) - USD ($) $ in Thousands	Jun. 30, 2020	Dec. 31, 2019
Debt Securities, Held-to-maturity, Maturity, Amortized Cost [Abstract]
Amortized Cost	$ 11,769	$ 12,033
Gross Unrealized Gains	365	372
Gross Unrecognized Losses	0	(1)
Estimated Fair Value	12,134	12,404
Obligations of States and Political Subdivisions [Member]
Debt Securities, Held-to-maturity, Maturity, Amortized Cost [Abstract]
Amortized Cost	11,767	12,031
Gross Unrealized Gains	365	372
Gross Unrecognized Losses	0	(1)
Estimated Fair Value	12,132	12,402
Agency Mortgage-backed Securities, Residential [Member]
Debt Securities, Held-to-maturity, Maturity, Amortized Cost [Abstract]
Amortized Cost	2	2
Gross Unrealized Gains	0	0
Gross Unrecognized Losses	0	0
Estimated Fair Value	$ 2	$ 2

SECURITIES, Amortized Cost an_3

SECURITIES, Amortized Cost and Fair Value of Securities by Contractual Maturity (Details) - USD ($) $ in Thousands	Jun. 30, 2020	Dec. 31, 2019
Amortized cost of Available-for-sale Securities by Contractual Maturity [Abstract]
Due in one year or less	$ 6,892
Due in over one to five years	8,331
Due in over five to ten years	0
Amortized Cost	111,297	$ 104,650
Fair Value of Available-for-sale Securities by Contractual Maturity [Abstract]
Due in one year or less	6,974
Due in over one to five years	8,659
Due in over five to ten years	0
Estimated Fair Value	114,987	105,318
Debt Securities, Held-to-maturity, Maturity, Amortized Cost, Net [Abstract]
Due in one year or less	819
Due in over one to five years	6,725
Due in over five to ten years	4,223
Amortized Cost	11,769	12,033
Debt Securities, Held-to-maturity, Maturity, Fair Value [Abstract]
Due in one year or less	836
Due in over one to five years	6,928
Due in over five to ten years	4,368
Estimated Fair Value	12,134	12,404
Agency Mortgage-backed Securities, Residential [Member]
Amortized cost of Available-for-sale Securities by Contractual Maturity [Abstract]
Agency mortgage-backed securities, residential	96,074
Amortized Cost	96,074	88,071
Fair Value of Available-for-sale Securities by Contractual Maturity [Abstract]
Agency mortgage-backed securities, residential	99,354
Estimated Fair Value	99,354	88,582
Debt Securities, Held-to-maturity, Maturity, Amortized Cost, Net [Abstract]
Agency mortgage-backed securities, residential	2
Amortized Cost	2	2
Debt Securities, Held-to-maturity, Maturity, Fair Value [Abstract]
Agency mortgage-backed securities, residential	2
Estimated Fair Value	$ 2	$ 2

SECURITIES, Available-for-sale

SECURITIES, Available-for-sale Securities with Unrealized Losses in Continuous Unrealized Loss Position (Details) - USD ($) $ in Thousands	Jun. 30, 2020	Dec. 31, 2019
Available-for-sale Securities with Continuous Unrealized Loss Position, Fair Value [Abstract]
Less than 12 Months - Fair Value	$ 10,435	$ 15,041
12 Months or More - Fair Value	0	23,343
Fair Value	10,435	38,384
Available-for-sale Securities with Continuous Unrealized Loss Position, Unrealized Loss [Abstract]
Less than 12 Months - Unrealized Loss	(11)	(84)
12 Months or More - Unrealized Loss	0	(218)
Unrealized Loss	(11)	(302)
US Government-sponsored Entity Securities [Member]
Available-for-sale Securities with Continuous Unrealized Loss Position, Fair Value [Abstract]
Less than 12 Months - Fair Value		0
12 Months or More - Fair Value		1,999
Fair Value		1,999
Available-for-sale Securities with Continuous Unrealized Loss Position, Unrealized Loss [Abstract]
Less than 12 Months - Unrealized Loss		0
12 Months or More - Unrealized Loss		(6)
Unrealized Loss		(6)
Agency Mortgage-backed Securities, Residential [Member]
Available-for-sale Securities with Continuous Unrealized Loss Position, Fair Value [Abstract]
Less than 12 Months - Fair Value	10,435	15,041
12 Months or More - Fair Value	0	21,344
Fair Value	10,435	36,385
Available-for-sale Securities with Continuous Unrealized Loss Position, Unrealized Loss [Abstract]
Less than 12 Months - Unrealized Loss	(11)	(84)
12 Months or More - Unrealized Loss	0	(212)
Unrealized Loss	$ (11)	$ (296)

SECURITIES, Held-to-Maturity Se

SECURITIES, Held-to-Maturity Securities with Unrealized Losses in Continuous Unrealized Loss Position (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended		12 Months Ended
	Jun. 30, 2020	Jun. 30, 2019	Jun. 30, 2020	Jun. 30, 2019	Dec. 31, 2019
Held-to-maturity Securities with Continuous Unrealized Loss Position, Fair Value [Abstract]
Less Than 12 Months - Fair Value	$ 0		$ 0		$ 204
12 Months or More - Fair Value	0		0		0
Fair Value	0		0		204
Held-to-maturity Securities with Unrealized Loss Position, Unrealized Loss [Abstract]
Less Than 12 Months - Unrecognized Loss	0		0		(1)
12 Months or More - Unrecognized Loss	0		0		0
Unrecognized Loss	0		0		(1)
Unrealized Losses and Other-than-temporary Impairment [Abstract]
Proceeds from sale of debt securities	0	$ 0	0	$ 0
Other than temporary impairment losses			0		0
Obligations of States and Political Subdivisions [Member]
Held-to-maturity Securities with Continuous Unrealized Loss Position, Fair Value [Abstract]
Less Than 12 Months - Fair Value	0		0		204
12 Months or More - Fair Value	0		0		0
Fair Value	0		0		204
Held-to-maturity Securities with Unrealized Loss Position, Unrealized Loss [Abstract]
Less Than 12 Months - Unrecognized Loss	0		0		(1)
12 Months or More - Unrecognized Loss	0		0		0
Unrecognized Loss	$ 0		$ 0		$ (1)

LOANS AND ALLOWANCE FOR LOAN _3

LOANS AND ALLOWANCE FOR LOAN LOSSES, Loans (Details) - USD ($) $ in Thousands	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018
Loans [Abstract]
Total loans	$ 830,832		$ 772,774
Less: Allowance for loan losses	(7,981)	$ (8,729)	(6,272)	$ (7,401)	$ (8,013)	$ (6,728)
Net loans	822,851		766,502
Residential Real Estate [Member]
Loans [Abstract]
Total loans	314,987		310,253
Less: Allowance for loan losses	(2,024)	(2,002)	(1,250)	(1,973)	(2,079)	(1,583)
Commercial Real Estate [Member]
Loans [Abstract]
Total loans	239,891		222,136
Less: Allowance for loan losses	(2,700)	(3,028)	(1,928)	(2,222)	(2,452)	(2,186)
Commercial Real Estate [Member] | Owner-occupied [Member]
Loans [Abstract]
Total loans	53,580		55,825
Commercial Real Estate [Member] | Nonowner-occupied [Member]
Loans [Abstract]
Total loans	151,780		131,398
Commercial Real Estate [Member] | Construction [Member]
Loans [Abstract]
Total loans	34,531		34,913
Commercial and Industrial [Member]
Loans [Abstract]
Total loans	142,972		100,023
Less: Allowance for loan losses	(1,649)	(2,045)	(1,447)	(1,095)	(1,315)	(1,063)
Commercial and Industrial [Member] | PPP [Member]
Loans [Abstract]
Total loans	34,145
Consumer [Member]
Loans [Abstract]
Total loans	132,982		140,362
Less: Allowance for loan losses	(1,608)	$ (1,654)	(1,647)	$ (2,111)	$ (2,167)	$ (1,896)
Consumer [Member] | Automobile [Member]
Loans [Abstract]
Total loans	60,369		63,770
Consumer [Member] | Home Equity [Member]
Loans [Abstract]
Total loans	20,125		22,882
Consumer [Member] | Other [Member]
Loans [Abstract]
Total loans	$ 52,488		$ 53,710

LOANS AND ALLOWANCE FOR LOAN _4

LOANS AND ALLOWANCE FOR LOAN LOSSES, Allowance for Loan Losses by Portfolio Segment (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2020	Jun. 30, 2019	Jun. 30, 2020	Jun. 30, 2019
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance	$ 8,729	$ 8,013	$ 6,272	$ 6,728
Provision for loan losses	(393)	(806)	3,453	1,571
Loans charged-off	(498)	(1,163)	(2,134)	(2,523)
Recoveries	143	1,357	390	1,625
Ending balance	7,981	7,401	7,981	7,401
Residential Real Estate [Member]
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance	2,002	2,079	1,250	1,583
Provision for loan losses	64	(552)	990	261
Loans charged-off	(52)	(78)	(250)	(407)
Recoveries	10	524	34	536
Ending balance	2,024	1,973	2,024	1,973
Commercial Real Estate [Member]
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance	3,028	2,452	1,928	2,186
Provision for loan losses	(343)	(260)	1,229	133
Loans charged-off	0	(438)	(516)	(579)
Recoveries	15	468	59	482
Ending balance	2,700	2,222	2,700	2,222
Commercial and Industrial [Member]
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance	2,045	1,315	1,447	1,063
Provision for loan losses	(349)	(169)	275	304
Loans charged-off	(56)	(111)	(89)	(344)
Recoveries	9	60	16	72
Ending balance	1,649	1,095	1,649	1,095
Consumer [Member]
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance	1,654	2,167	1,647	1,896
Provision for loan losses	235	175	959	873
Loans charged-off	(390)	(536)	(1,279)	(1,193)
Recoveries	109	305	281	535
Ending balance	$ 1,608	$ 2,111	$ 1,608	$ 2,111

LOANS AND ALLOWANCE FOR LOAN _5

LOANS AND ALLOWANCE FOR LOAN LOSSES, Allowance for Loans Losses and Recorded Investment in Loans by Portfolio Segment Based on Impairment Method (Details) - USD ($) $ in Thousands	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018
Ending allowance balance attributable to loans [Abstract]
Individually evaluated for impairment	$ 0		$ 807
Collectively evaluated for impairment	7,981		5,465
Total ending allowance balance	7,981	$ 8,729	6,272	$ 7,401	$ 8,013	$ 6,728
Loans [Abstract]
Loans individually evaluated for impairment	10,602		17,135
Loans collectively evaluated for impairment	820,230		755,639
Total ending loans balance	830,832		772,774
Residential Real Estate [Member]
Ending allowance balance attributable to loans [Abstract]
Individually evaluated for impairment	0		0
Collectively evaluated for impairment	2,024		1,250
Total ending allowance balance	2,024	2,002	1,250	1,973	2,079	1,583
Loans [Abstract]
Loans individually evaluated for impairment	423		438
Loans collectively evaluated for impairment	314,564		309,815
Total ending loans balance	314,987		310,253
Commercial Real Estate [Member]
Ending allowance balance attributable to loans [Abstract]
Individually evaluated for impairment	0		385
Collectively evaluated for impairment	2,700		1,543
Total ending allowance balance	2,700	3,028	1,928	2,222	2,452	2,186
Loans [Abstract]
Loans individually evaluated for impairment	5,051		11,300
Loans collectively evaluated for impairment	234,840		210,836
Total ending loans balance	239,891		222,136
Commercial and Industrial [Member]
Ending allowance balance attributable to loans [Abstract]
Individually evaluated for impairment	0		303
Collectively evaluated for impairment	1,649		1,144
Total ending allowance balance	1,649	2,045	1,447	1,095	1,315	1,063
Loans [Abstract]
Loans individually evaluated for impairment	4,725		4,910
Loans collectively evaluated for impairment	138,247		95,113
Total ending loans balance	142,972		100,023
Consumer [Member]
Ending allowance balance attributable to loans [Abstract]
Individually evaluated for impairment	0		119
Collectively evaluated for impairment	1,608		1,528
Total ending allowance balance	1,608	$ 1,654	1,647	$ 2,111	$ 2,167	$ 1,896
Loans [Abstract]
Loans individually evaluated for impairment	403		487
Loans collectively evaluated for impairment	132,579		139,875
Total ending loans balance	$ 132,982		$ 140,362

LOANS AND ALLOWANCE FOR LOAN _6

LOANS AND ALLOWANCE FOR LOAN LOSSES, Impaired Loans (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2020	Jun. 30, 2019	Jun. 30, 2020	Jun. 30, 2019	Dec. 31, 2019
With an allowance recorded [Abstract]
Unpaid principal balance	$ 0		$ 0
Recorded investment	0		0		$ 7,010
Total [Abstract]
Unpaid principal balance	10,603		10,603		17,135
Recorded investment	10,602		10,602		17,135
Allowance for Loan Losses Allocated	0		0		807
Impaired loans [Abstract]
Average impaired loans - with an allowance recorded	0		0
Interest income recognized - with an allowance recorded	0		0
Cash basis interest recognized - with an allowance recorded	0		0
Average impaired loans	10,253	$ 20,486	10,040	$ 17,119
Interest income recognized	121	303	271	599
Cash basis interest recognized	121	303	271	599
Residential Real Estate [Member]
With no related allowance recorded [Abstract]
Unpaid principal balance	424		424		438
Recorded investment	423		423		438
Impaired loans [Abstract]
Average impaired loans - with an allowance recorded		1,213		1,214
Interest income recognized - with an allowance recorded		0		5
Cash basis interest recognized - with an allowance recorded		0		5
Average impaired loans - with no allowance recorded	426	636	430	575
Interest income recognized - with no allowance recorded	5	6	8	11
Cash basis interest recognized - with no allowance recorded	5	6	8	11
Commercial Real Estate [Member] | Owner-occupied [Member]
With an allowance recorded [Abstract]
Unpaid principal balance					2,030
Recorded investment					2,030
With no related allowance recorded [Abstract]
Unpaid principal balance	4,034		4,034		1,778
Recorded investment	4,034		4,034		1,778
Total [Abstract]
Allowance for Loan Losses Allocated					385
Impaired loans [Abstract]
Average impaired loans - with no allowance recorded	4,051	3,483	3,764	3,111
Interest income recognized - with no allowance recorded	44	58	102	112
Cash basis interest recognized - with no allowance recorded	44	58	102	112
Commercial Real Estate [Member] | Nonowner-occupied [Member]
With no related allowance recorded [Abstract]
Unpaid principal balance	1,017		1,017		7,492
Recorded investment	1,017		1,017		7,492
Impaired loans [Abstract]
Average impaired loans - with an allowance recorded		324		337
Interest income recognized - with an allowance recorded		1		1
Cash basis interest recognized - with an allowance recorded		1		1
Average impaired loans - with no allowance recorded	1,018	7,458	1,027	5,287
Interest income recognized - with no allowance recorded	13	117	24	228
Cash basis interest recognized - with no allowance recorded	13	117	24	228
Commercial and Industrial [Member]
With an allowance recorded [Abstract]
Unpaid principal balance					4,861
Recorded investment	0		0		4,861
With no related allowance recorded [Abstract]
Unpaid principal balance	4,725		4,725		49
Recorded investment	4,725		4,725		49
Total [Abstract]
Allowance for Loan Losses Allocated	0		0		303
Impaired loans [Abstract]
Average impaired loans - with no allowance recorded	4,355	7,366	4,428	6,591
Interest income recognized - with no allowance recorded	56	121	129	242
Cash basis interest recognized - with no allowance recorded	56	121	129	242
Consumer [Member] | Home Equity [Member]
With no related allowance recorded [Abstract]
Unpaid principal balance	403		403		368
Recorded investment	403		403		368
Impaired loans [Abstract]
Average impaired loans - with no allowance recorded	403		391
Interest income recognized - with no allowance recorded	3		8
Cash basis interest recognized - with no allowance recorded	$ 3		$ 8
Consumer [Member] | Automobile [Member]
With an allowance recorded [Abstract]
Unpaid principal balance					8
Recorded investment					8
Total [Abstract]
Allowance for Loan Losses Allocated					8
Consumer [Member] | Other [Member]
With an allowance recorded [Abstract]
Unpaid principal balance					111
Recorded investment					111
Total [Abstract]
Allowance for Loan Losses Allocated					$ 111
Impaired loans [Abstract]
Average impaired loans - with no allowance recorded		6		4
Interest income recognized - with no allowance recorded		0		0
Cash basis interest recognized - with no allowance recorded		$ 0		$ 0

LOANS AND ALLOWANCE FOR LOAN _7

LOANS AND ALLOWANCE FOR LOAN LOSSES, Nonaccrual Loans and Loans Past Due 90 Days or More and Still Accruing (Details) - USD ($) $ in Thousands	Jun. 30, 2020	Dec. 31, 2019
Recorded Investment in Nonaccrual and Loans Past Due Over90 Days Still on Accrual by Class of Loans [Abstract]
Loans past due 90 days and still accruing	$ 453	$ 889
Nonaccrual	7,883	9,149
Residential Real Estate [Member]
Recorded Investment in Nonaccrual and Loans Past Due Over90 Days Still on Accrual by Class of Loans [Abstract]
Real estate acquired	0	68
Mortgage loans in process of foreclosure	759	1,780
Loans past due 90 days and still accruing	153	255
Nonaccrual	5,773	6,119
Commercial Real Estate [Member] | Owner-occupied [Member]
Recorded Investment in Nonaccrual and Loans Past Due Over90 Days Still on Accrual by Class of Loans [Abstract]
Loans past due 90 days and still accruing	60	0
Nonaccrual	341	863
Commercial Real Estate [Member] | Nonowner-occupied [Member]
Recorded Investment in Nonaccrual and Loans Past Due Over90 Days Still on Accrual by Class of Loans [Abstract]
Loans past due 90 days and still accruing	0	0
Nonaccrual	716	804
Commercial Real Estate [Member] | Construction [Member]
Recorded Investment in Nonaccrual and Loans Past Due Over90 Days Still on Accrual by Class of Loans [Abstract]
Loans past due 90 days and still accruing	0	0
Nonaccrual	176	229
Commercial and Industrial [Member]
Recorded Investment in Nonaccrual and Loans Past Due Over90 Days Still on Accrual by Class of Loans [Abstract]
Loans past due 90 days and still accruing	11	0
Nonaccrual	427	590
Consumer [Member] | Automobile [Member]
Recorded Investment in Nonaccrual and Loans Past Due Over90 Days Still on Accrual by Class of Loans [Abstract]
Loans past due 90 days and still accruing	65	239
Nonaccrual	177	61
Consumer [Member] | Home Equity [Member]
Recorded Investment in Nonaccrual and Loans Past Due Over90 Days Still on Accrual by Class of Loans [Abstract]
Loans past due 90 days and still accruing	0	0
Nonaccrual	213	392
Consumer [Member] | Other [Member]
Recorded Investment in Nonaccrual and Loans Past Due Over90 Days Still on Accrual by Class of Loans [Abstract]
Loans past due 90 days and still accruing	164	395
Nonaccrual	$ 60	$ 91

LOANS AND ALLOWANCE FOR LOAN _8

LOANS AND ALLOWANCE FOR LOAN LOSSES, Past Due Loans (Details) - USD ($) $ in Thousands	Jun. 30, 2020	Dec. 31, 2019
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total past due	$ 10,107	$ 13,638
Loans not past due	820,725	759,136
Total ending loans balance	830,832	772,774
Residential Real Estate [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total past due	5,693	7,111
Loans not past due	309,294	303,142
Total ending loans balance	314,987	310,253
Commercial Real Estate [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total ending loans balance	239,891	222,136
Commercial Real Estate [Member] | Owner-occupied [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total past due	807	586
Loans not past due	52,773	55,239
Total ending loans balance	53,580	55,825
Commercial Real Estate [Member] | Nonowner-occupied [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total past due	1,244	709
Loans not past due	150,536	130,689
Total ending loans balance	151,780	131,398
Commercial Real Estate [Member] | Construction [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total past due	173	254
Loans not past due	34,358	34,659
Total ending loans balance	34,531	34,913
Commercial and Industrial [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total past due	498	1,873
Loans not past due	142,474	98,150
Total ending loans balance	142,972	100,023
Consumer [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total ending loans balance	132,982	140,362
Consumer [Member] | Automobile [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total past due	807	1,561
Loans not past due	59,562	62,209
Total ending loans balance	60,369	63,770
Consumer [Member] | Home Equity [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total past due	305	403
Loans not past due	19,820	22,479
Total ending loans balance	20,125	22,882
Consumer [Member] | Other [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total past due	580	1,141
Loans not past due	51,908	52,569
Total ending loans balance	52,488	53,710
30 to 59 Days Past Due [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total past due	4,532	7,567
30 to 59 Days Past Due [Member] | Residential Real Estate [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total past due	2,352	4,015
30 to 59 Days Past Due [Member] | Commercial Real Estate [Member] | Owner-occupied [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total past due	494	383
30 to 59 Days Past Due [Member] | Commercial Real Estate [Member] | Nonowner-occupied [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total past due	645	12
30 to 59 Days Past Due [Member] | Commercial Real Estate [Member] | Construction [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total past due	153	186
30 to 59 Days Past Due [Member] | Commercial and Industrial [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total past due	60	1,320
30 to 59 Days Past Due [Member] | Consumer [Member] | Automobile [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total past due	462	986
30 to 59 Days Past Due [Member] | Consumer [Member] | Home Equity [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total past due	112	106
30 to 59 Days Past Due [Member] | Consumer [Member] | Other [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total past due	254	559
60 to 89 Days Past Due [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total past due	1,599	2,190
60 to 89 Days Past Due [Member] | Residential Real Estate [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total past due	1,260	1,314
60 to 89 Days Past Due [Member] | Commercial Real Estate [Member] | Owner-occupied [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total past due	0	59
60 to 89 Days Past Due [Member] | Commercial Real Estate [Member] | Nonowner-occupied [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total past due	0	0
60 to 89 Days Past Due [Member] | Commercial Real Estate [Member] | Construction [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total past due	0	19
60 to 89 Days Past Due [Member] | Commercial and Industrial [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total past due	0	312
60 to 89 Days Past Due [Member] | Consumer [Member] | Automobile [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total past due	124	329
60 to 89 Days Past Due [Member] | Consumer [Member] | Home Equity [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total past due	81	18
60 to 89 Days Past Due [Member] | Consumer [Member] | Other [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total past due	134	139
90 Days or More Past Due [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total past due	3,976	3,881
90 Days or More Past Due [Member] | Residential Real Estate [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total past due	2,081	1,782
90 Days or More Past Due [Member] | Commercial Real Estate [Member] | Owner-occupied [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total past due	313	144
90 Days or More Past Due [Member] | Commercial Real Estate [Member] | Nonowner-occupied [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total past due	599	697
90 Days or More Past Due [Member] | Commercial Real Estate [Member] | Construction [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total past due	20	49
90 Days or More Past Due [Member] | Commercial and Industrial [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total past due	438	241
90 Days or More Past Due [Member] | Consumer [Member] | Automobile [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total past due	221	246
90 Days or More Past Due [Member] | Consumer [Member] | Home Equity [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total past due	112	279
90 Days or More Past Due [Member] | Consumer [Member] | Other [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total past due	$ 192	$ 443

LOANS AND ALLOWANCE FOR LOAN _9

LOANS AND ALLOWANCE FOR LOAN LOSSES, TDR Loan Modifications (Details) - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2020	Dec. 31, 2019
Troubled Debt Restructuring Loan Modifications [Abstract]
Troubled Debt Restructuring	$ 6,786	$ 8,552
Decrease in TDR loan balance	$ (1,766)
Percentage of decrease in TDR loan balance	20.70%
Specific allocations in reserves to customers	$ 0	227
Commitments to lend additional amounts to customers	2,423	941
Residential Real Estate [Member] | Interest Only Payments [Member]
Troubled Debt Restructuring Loan Modifications [Abstract]
Troubled Debt Restructuring	205	209
Commercial Real Estate [Member] | Owner-occupied [Member] | Interest Only Payments [Member]
Troubled Debt Restructuring Loan Modifications [Abstract]
Troubled Debt Restructuring	868	882
Commercial Real Estate [Member] | Owner-occupied [Member] | Reduction of Principal and Interest Payments [Member]
Troubled Debt Restructuring Loan Modifications [Abstract]
Troubled Debt Restructuring	1,501	1,521
Commercial Real Estate [Member] | Owner-occupied [Member] | Maturity Extension at Lower Stated Rate than Market Rate [Member]
Troubled Debt Restructuring Loan Modifications [Abstract]
Troubled Debt Restructuring	354	393
Commercial Real Estate [Member] | Owner-occupied [Member] | Credit Extension at Lower Stated Rate than Market Rate [Member]
Troubled Debt Restructuring Loan Modifications [Abstract]
Troubled Debt Restructuring	388	393
Commercial Real Estate [Member] | Nonowner-occupied [Member] | Credit Extension at Lower Stated Rate than Market Rate [Member]
Troubled Debt Restructuring Loan Modifications [Abstract]
Troubled Debt Restructuring	393	395
Commercial and Industrial [Member] | Interest Only Payments [Member]
Troubled Debt Restructuring Loan Modifications [Abstract]
Troubled Debt Restructuring	3,077	4,574
Commercial and Industrial [Member] | Reduction of Principal and Interest Payments [Member]
Troubled Debt Restructuring Loan Modifications [Abstract]
Troubled Debt Restructuring		185
Performing to Modified Terms [Member]
Troubled Debt Restructuring Loan Modifications [Abstract]
Troubled Debt Restructuring	6,786	8,552
Performing to Modified Terms [Member] | Residential Real Estate [Member] | Interest Only Payments [Member]
Troubled Debt Restructuring Loan Modifications [Abstract]
Troubled Debt Restructuring	205	209
Performing to Modified Terms [Member] | Commercial Real Estate [Member] | Owner-occupied [Member] | Interest Only Payments [Member]
Troubled Debt Restructuring Loan Modifications [Abstract]
Troubled Debt Restructuring	868	882
Performing to Modified Terms [Member] | Commercial Real Estate [Member] | Owner-occupied [Member] | Reduction of Principal and Interest Payments [Member]
Troubled Debt Restructuring Loan Modifications [Abstract]
Troubled Debt Restructuring	1,501	1,521
Performing to Modified Terms [Member] | Commercial Real Estate [Member] | Owner-occupied [Member] | Maturity Extension at Lower Stated Rate than Market Rate [Member]
Troubled Debt Restructuring Loan Modifications [Abstract]
Troubled Debt Restructuring	354	393
Performing to Modified Terms [Member] | Commercial Real Estate [Member] | Owner-occupied [Member] | Credit Extension at Lower Stated Rate than Market Rate [Member]
Troubled Debt Restructuring Loan Modifications [Abstract]
Troubled Debt Restructuring	388	393
Performing to Modified Terms [Member] | Commercial Real Estate [Member] | Nonowner-occupied [Member] | Credit Extension at Lower Stated Rate than Market Rate [Member]
Troubled Debt Restructuring Loan Modifications [Abstract]
Troubled Debt Restructuring	393	395
Performing to Modified Terms [Member] | Commercial and Industrial [Member] | Interest Only Payments [Member]
Troubled Debt Restructuring Loan Modifications [Abstract]
Troubled Debt Restructuring	3,077	4,574
Performing to Modified Terms [Member] | Commercial and Industrial [Member] | Reduction of Principal and Interest Payments [Member]
Troubled Debt Restructuring Loan Modifications [Abstract]
Troubled Debt Restructuring		185
Not Performing to Modified Terms [Member]
Troubled Debt Restructuring Loan Modifications [Abstract]
Troubled Debt Restructuring	0	0
Not Performing to Modified Terms [Member] | Residential Real Estate [Member] | Interest Only Payments [Member]
Troubled Debt Restructuring Loan Modifications [Abstract]
Troubled Debt Restructuring	0	0
Not Performing to Modified Terms [Member] | Commercial Real Estate [Member] | Owner-occupied [Member] | Interest Only Payments [Member]
Troubled Debt Restructuring Loan Modifications [Abstract]
Troubled Debt Restructuring	0	0
Not Performing to Modified Terms [Member] | Commercial Real Estate [Member] | Owner-occupied [Member] | Reduction of Principal and Interest Payments [Member]
Troubled Debt Restructuring Loan Modifications [Abstract]
Troubled Debt Restructuring	0	0
Not Performing to Modified Terms [Member] | Commercial Real Estate [Member] | Owner-occupied [Member] | Maturity Extension at Lower Stated Rate than Market Rate [Member]
Troubled Debt Restructuring Loan Modifications [Abstract]
Troubled Debt Restructuring	0	0
Not Performing to Modified Terms [Member] | Commercial Real Estate [Member] | Owner-occupied [Member] | Credit Extension at Lower Stated Rate than Market Rate [Member]
Troubled Debt Restructuring Loan Modifications [Abstract]
Troubled Debt Restructuring	0	0
Not Performing to Modified Terms [Member] | Commercial Real Estate [Member] | Nonowner-occupied [Member] | Credit Extension at Lower Stated Rate than Market Rate [Member]
Troubled Debt Restructuring Loan Modifications [Abstract]
Troubled Debt Restructuring	0	0
Not Performing to Modified Terms [Member] | Commercial and Industrial [Member] | Interest Only Payments [Member]
Troubled Debt Restructuring Loan Modifications [Abstract]
Troubled Debt Restructuring	$ 0	0
Not Performing to Modified Terms [Member] | Commercial and Industrial [Member] | Reduction of Principal and Interest Payments [Member]
Troubled Debt Restructuring Loan Modifications [Abstract]
Troubled Debt Restructuring		$ 0

LOANS AND ALLOWANCE FOR LOAN_10

LOANS AND ALLOWANCE FOR LOAN LOSSES, TDRs Pre-modification and Post-modification (Details) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2020USD ($)Loan	Jun. 30, 2019USD ($)Loan	Jun. 30, 2020USD ($)Loan	Jun. 30, 2019USD ($)Loan	Dec. 31, 2019USD ($)
Troubled Debt Restructuring Loan Modifications [Abstract]
Number of Loans | Loan		2	692	2
Impact on the allowance for loan losses and resulted in charge-offs		$ 0		$ 0
Number of TDRs occurred | Loan	0	0	0	0
Aggregate loan balances	$ 822,851		$ 822,851		$ 766,502
CARES Act [Member]
Troubled Debt Restructuring Loan Modifications [Abstract]
Aggregate loan balances	139,304		139,304
Aggregate loan amount that are reviewed risk categories	$ 750		$ 750
Residential Real Estate [Member] | Interest Only Payments [Member]
Troubled Debt Restructuring Loan Modifications [Abstract]
Number of Loans | Loan		1		1
Commercial and Industrial [Member] | Interest Only Payments [Member]
Troubled Debt Restructuring Loan Modifications [Abstract]
Number of Loans | Loan		1		1
Performing to Modified Terms [Member]
Troubled Debt Restructuring Loan Modifications [Abstract]
Pre-modification recorded investment		$ 574		$ 574
Post-modification recorded investment		574		574
Performing to Modified Terms [Member] | Residential Real Estate [Member] | Interest Only Payments [Member]
Troubled Debt Restructuring Loan Modifications [Abstract]
Pre-modification recorded investment		292		292
Post-modification recorded investment		292		292
Performing to Modified Terms [Member] | Commercial and Industrial [Member] | Interest Only Payments [Member]
Troubled Debt Restructuring Loan Modifications [Abstract]
Pre-modification recorded investment		282		282
Post-modification recorded investment		282		282
Not Performing to Modified Terms [Member]
Troubled Debt Restructuring Loan Modifications [Abstract]
Pre-modification recorded investment		0		0
Post-modification recorded investment		0		0
Not Performing to Modified Terms [Member] | Residential Real Estate [Member] | Interest Only Payments [Member]
Troubled Debt Restructuring Loan Modifications [Abstract]
Pre-modification recorded investment		0		0
Post-modification recorded investment		$ 0		$ 0

LOANS AND ALLOWANCE FOR LOAN_11

LOANS AND ALLOWANCE FOR LOAN LOSSES, Risk Category of Commercial Loans by Class of Loans (Details) - USD ($) $ in Thousands	Jun. 30, 2020	Dec. 31, 2019
Loans Receivable [Abstract]
Loans receivable	$ 830,832	$ 772,774
Commercial Real Estate [Member]
Loans Receivable [Abstract]
Loans receivable	239,891	222,136
Commercial Real Estate [Member] | Owner-occupied [Member]
Loans Receivable [Abstract]
Loans receivable	53,580	55,825
Commercial Real Estate [Member] | Nonowner-occupied [Member]
Loans Receivable [Abstract]
Loans receivable	151,780	131,398
Commercial Real Estate [Member] | Construction [Member]
Loans Receivable [Abstract]
Loans receivable	34,531	34,913
Commercial and Industrial [Member]
Loans Receivable [Abstract]
Loans receivable	142,972	100,023
Commercial [Member]
Loans Receivable [Abstract]
Loans receivable	382,863	322,159
Pass [Member] | Commercial Real Estate [Member] | Owner-occupied [Member]
Loans Receivable [Abstract]
Loans receivable	48,178	49,486
Pass [Member] | Commercial Real Estate [Member] | Nonowner-occupied [Member]
Loans Receivable [Abstract]
Loans receivable	144,420	123,847
Pass [Member] | Commercial Real Estate [Member] | Construction [Member]
Loans Receivable [Abstract]
Loans receivable	34,531	34,864
Pass [Member] | Commercial and Industrial [Member]
Loans Receivable [Abstract]
Loans receivable	134,820	89,749
Pass [Member] | Commercial [Member]
Loans Receivable [Abstract]
Loans receivable	361,949	297,946
Criticized [Member] | Commercial Real Estate [Member] | Owner-occupied [Member]
Loans Receivable [Abstract]
Loans receivable	686	2,889
Criticized [Member] | Commercial Real Estate [Member] | Nonowner-occupied [Member]
Loans Receivable [Abstract]
Loans receivable	6,170	0
Criticized [Member] | Commercial Real Estate [Member] | Construction [Member]
Loans Receivable [Abstract]
Loans receivable	0	0
Criticized [Member] | Commercial and Industrial [Member]
Loans Receivable [Abstract]
Loans receivable	2,703	298
Criticized [Member] | Commercial [Member]
Loans Receivable [Abstract]
Loans receivable	9,559	3,187
Classified [Member] | Commercial Real Estate [Member] | Owner-occupied [Member]
Loans Receivable [Abstract]
Loans receivable	4,716	3,450
Classified [Member] | Commercial Real Estate [Member] | Nonowner-occupied [Member]
Loans Receivable [Abstract]
Loans receivable	1,190	7,551
Classified [Member] | Commercial Real Estate [Member] | Construction [Member]
Loans Receivable [Abstract]
Loans receivable	0	49
Classified [Member] | Commercial and Industrial [Member]
Loans Receivable [Abstract]
Loans receivable	5,449	9,976
Classified [Member] | Commercial [Member]
Loans Receivable [Abstract]
Loans receivable	$ 11,355	$ 21,026

LOANS AND ALLOWANCE FOR LOAN_12

LOANS AND ALLOWANCE FOR LOAN LOSSES, Recorded Investment of Residential and Consumer Loans (Details) - USD ($) $ in Thousands	Jun. 30, 2020	Dec. 31, 2019
Loans Receivable [Abstract]
Loans receivable	$ 830,832	$ 772,774
Percentage of unsecured loans	4.34%	5.00%
Consumer [Member]
Loans Receivable [Abstract]
Loans receivable	$ 132,982	$ 140,362
Consumer [Member] | Automobile [Member]
Loans Receivable [Abstract]
Loans receivable	60,369	63,770
Consumer [Member] | Home Equity [Member]
Loans Receivable [Abstract]
Loans receivable	20,125	22,882
Consumer [Member] | Other [Member]
Loans Receivable [Abstract]
Loans receivable	52,488	53,710
Residential Real Estate [Member]
Loans Receivable [Abstract]
Loans receivable	314,987	310,253
Consumer and Residential [Member]
Loans Receivable [Abstract]
Loans receivable	447,969	450,615
Performing [Member] | Consumer [Member] | Automobile [Member]
Loans Receivable [Abstract]
Loans receivable	60,127	63,470
Performing [Member] | Consumer [Member] | Home Equity [Member]
Loans Receivable [Abstract]
Loans receivable	19,912	22,490
Performing [Member] | Consumer [Member] | Other [Member]
Loans Receivable [Abstract]
Loans receivable	52,264	53,224
Performing [Member] | Residential Real Estate [Member]
Loans Receivable [Abstract]
Loans receivable	309,061	303,879
Performing [Member] | Consumer and Residential [Member]
Loans Receivable [Abstract]
Loans receivable	441,364	443,063
Nonperforming [Member] | Consumer [Member] | Automobile [Member]
Loans Receivable [Abstract]
Loans receivable	242	300
Nonperforming [Member] | Consumer [Member] | Home Equity [Member]
Loans Receivable [Abstract]
Loans receivable	213	392
Nonperforming [Member] | Consumer [Member] | Other [Member]
Loans Receivable [Abstract]
Loans receivable	224	486
Nonperforming [Member] | Residential Real Estate [Member]
Loans Receivable [Abstract]
Loans receivable	5,926	6,374
Nonperforming [Member] | Consumer and Residential [Member]
Loans Receivable [Abstract]
Loans receivable	$ 6,605	$ 7,552

FINANCIAL INSTRUMENTS WITH OF_2

FINANCIAL INSTRUMENTS WITH OFF-BALANCE SHEET RISK (Details) - USD ($) $ in Thousands	6 Months Ended	12 Months Ended
	Jun. 30, 2020	Dec. 31, 2019
FINANCIAL INSTRUMENTS WITH OFF-BALANCE SHEET RISK [Abstract]
Contract amounts	$ 84,507	$ 75,178

OTHER BORROWED FUNDS (Details)

OTHER BORROWED FUNDS (Details) $ in Thousands	3 Months Ended	6 Months Ended
	Jun. 30, 2020USD ($)Promissorynote	Jun. 30, 2020USD ($)	Dec. 31, 2019USD ($)
Other Borrowed Funds [Abstract]
Other borrowed funds	$ 30,110	$ 30,110	$ 33,991
FHLB Advances - variable rate loans	0	0
Cash management advances, maximum borrowing amount	80,000	$ 80,000
Cash management advances, maturity period		90 years
Cash management advances, available borrowing amount	$ 80,000	$ 80,000
Maturity date of promissory notes issued		May 18, 2021
Number of promissory notes payable to related parties | Promissorynote	7
Scheduled Repayments of FHLB Advances [Abstract]
2020	$ 3,645	$ 3,645
2021	4,448	4,448
2022	2,727	2,727
2023	2,588	2,588
2024	2,214	2,214
Thereafter	14,488	14,488
Other borrowings	$ 30,110	$ 30,110	33,991
Minimum [Member]
Other Borrowed Funds [Abstract]
Fixed-rate FHLB advances interest rate	1.53%	1.53%
Maximum [Member]
Other Borrowed Funds [Abstract]
Fixed-rate FHLB advances interest rate	3.31%	3.31%
Weighted Average [Member]
Other Borrowed Funds [Abstract]
Fixed-rate FHLB advances interest rate	2.40%	2.40%
Mortgage Loans [Member]
Other Borrowed Funds [Abstract]
Collateral pledged for FHLB Advances	$ 306,417	$ 306,417
Commercial Loans [Member]
Other Borrowed Funds [Abstract]
Collateral pledged for FHLB Advances	79,976	79,976
FHLB Stock [Member]
Other Borrowed Funds [Abstract]
Collateral pledged for FHLB Advances	5,365	5,365
Cash management advances, maximum borrowing amount	198,131	198,131
Cash management advances, available borrowing amount	109,288	109,288
FHLB Borrowings [Member]
Other Borrowed Funds [Abstract]
Other borrowed funds	26,446	26,446	29,758
Scheduled Repayments of FHLB Advances [Abstract]
2020	1,541	1,541
2021	2,888	2,888
2022	2,727	2,727
2023	2,588	2,588
2024	2,214	2,214
Thereafter	14,488	14,488
Other borrowings	26,446	26,446	29,758
Promissory Notes [Member]
Other Borrowed Funds [Abstract]
Other borrowed funds	3,664	3,664	4,233
Notes payable to related parties	3,558	3,558	3,558
Notes payable to other banks	106	106	405
Scheduled Repayments of FHLB Advances [Abstract]
2020	2,104	2,104
2021	1,560	1,560
2022	0	0
2023	0	0
2024	0	0
Thereafter	0	0
Other borrowings	$ 3,664	$ 3,664	$ 4,233
Promissory Notes [Member] | Minimum [Member]
Other Borrowed Funds [Abstract]
Interest rate	2.00%	2.00%
Promissory Notes [Member] | Maximum [Member]
Other Borrowed Funds [Abstract]
Interest rate	4.09%	4.09%
Promissory Notes [Member] | Weighted Average [Member]
Other Borrowed Funds [Abstract]
Interest rate	2.40%	2.40%	2.73%
FHLB Line of Credit [Member]
Other Borrowed Funds [Abstract]
Letter of credit issued	$ 62,397	$ 62,397	$ 56,500

SEGMENT INFORMATION (Details)

SEGMENT INFORMATION (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2020	Jun. 30, 2019	Jun. 30, 2020	Jun. 30, 2019	Dec. 31, 2019
Segment Information [Abstract]
Net interest income	$ 9,795	$ 10,653	$ 19,799	$ 22,040
Provision expense	(393)	(806)	3,453	1,571
Noninterest income	2,249	2,003	6,691	3,849
Noninterest expense	9,602	9,791	19,121	19,359
Tax expense	572	592	651	687
Net income	2,263	3,079	3,265	4,272
Assets	$ 1,102,995	$ 1,034,975	1,102,995	1,034,975	$ 1,013,272
Revenues [Member] | Customer Concentration Risk [Member]
Segment Information [Abstract]
Concentration percentage	93.20%	93.10%
Banking [Member]
Segment Information [Abstract]
Net interest income	$ 9,317	$ 10,088	18,788	20,125
Provision expense	(400)	(800)	3,445	1,450
Noninterest income	2,201	1,960	5,688	3,779
Noninterest expense	9,049	9,211	17,815	18,031
Tax expense	579	585	504	575
Net income	2,290	3,052	2,712	3,848
Assets	1,091,377	1,023,466	1,091,377	1,023,466
Consumer Finance [Member]
Segment Information [Abstract]
Net interest income	478	565	1,011	1,915
Provision expense	7	(6)	8	121
Noninterest income	48	43	1,003	70
Noninterest expense	553	580	1,306	1,328
Tax expense	(7)	7	147	112
Net income	(27)	27	553	424
Assets	$ 11,618	$ 11,509	$ 11,618	$ 11,509

LEASES, Balance Sheet Informati

LEASES, Balance Sheet Information (Details) - USD ($) $ in Thousands	Jun. 30, 2020	Dec. 31, 2019	Dec. 31, 2018
Balance Sheet Information Related to Leases [Abstract]
Operating lease right-of-use assets	$ 955	$ 1,053	$ 1,280
Operating lease liabilities	$ 955	$ 1,053
Minimum [Member]
Lessee, Operating Lease, Description [Abstract]
Operating lease term	15 months
Maximum [Member]
Lessee, Operating Lease, Description [Abstract]
Operating lease term	17 years
Operating lease renewal term	15 years

LEASES, Components of Lease Cos

LEASES, Components of Lease Cost (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2020	Jun. 30, 2019	Jun. 30, 2020	Jun. 30, 2019
Lease, Cost [Abstract]
Operating lease cost	$ 41	$ 80	$ 95	$ 146
Short-term lease expense	$ 8	$ 15	$ 16	$ 31

LEASES, Maturities of Lease Lia

LEASES, Maturities of Lease Liabilities (Details) - USD ($) $ in Thousands	Jun. 30, 2020	Dec. 31, 2019
LEASES [Abstract]
2020 (remaining)	$ 79
2021	157
2022	157
2023	116
2024	95
Thereafter	546
Total lease payments	1,150
Less: Imputed Interest	(195)
Total operating leases	$ 955	$ 1,053

LEASES, Other Information (Deta

LEASES, Other Information (Details)	Jun. 30, 2020	Dec. 31, 2019
Other Information [Abstract]
Weighted-average remaining lease term for operating leases	10 years	10 years 7 months 6 days
Weighted-average discount rate for operating leases	2.77%	2.76%