Ohio Valley Banc (OVBC) 10-Q 10 May 21 2021 Q1 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	3 Months Ended
	Mar. 31, 2021	May 07, 2021
Cover [Abstract]
Entity Registrant Name	OHIO VALLEY BANC CORP
Entity Central Index Key	0000894671
Current Fiscal Year End Date	--12-31
Document Type	10-Q
Amendment Flag	false
Document Quarterly Report	true
Document Period End Date	Mar. 31, 2021
Document Fiscal Year Focus	2021
Document Fiscal Period Focus	Q1
Document Transition Report	false
Entity File Number	0-20914
Entity Incorporation, State or Country Code	OH
Entity Tax Identification Number	31-1359191
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
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Non-accelerated Filer
Entity Small Business	true
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity Common Stock, Shares Outstanding		4,787,446

CONSOLIDATED BALANCE SHEETS (UN

CONSOLIDATED BALANCE SHEETS (UNAUDITED) - USD ($) $ in Thousands	Mar. 31, 2021	Dec. 31, 2020
ASSETS
Cash and noninterest-bearing deposits with banks	$ 15,884	$ 14,989
Interest-bearing deposits with banks	160,536	123,314
Total cash and cash equivalents	176,420	138,303
Certificates of deposit in financial institutions	2,255	2,500
Securities available for sale	126,394	112,322
Securities held to maturity (estimated fair value: 2021 - $11,376; 2020 - $10,344)	11,137	10,020
Restricted investments in bank stocks	7,506	7,506
Total loans	831,050	848,664
Less: Allowance for loan losses	(6,887)	(7,160)
Net loans	824,163	841,504
Premises and equipment, net	21,127	21,312
Premises and equipment held for sale, net	633	637
Other real estate owned, net	0	49
Accrued interest receivable	3,257	3,319
Goodwill	7,319	7,319
Other intangible assets, net	99	112
Bank owned life insurance and annuity assets	36,247	35,999
Operating lease right-of-use asset, net	1,133	880
Other assets	7,494	5,150
Total assets	1,225,184	1,186,932
LIABILITIES
Noninterest-bearing deposits	327,976	314,777
Interest-bearing deposits	704,652	678,962
Total deposits	1,032,628	993,739
Other borrowed funds	26,691	27,863
Subordinated debentures	8,500	8,500
Operating lease liability	1,133	880
Accrued liabilities	18,492	19,626
Total liabilities	1,087,444	1,050,608
COMMITMENTS AND CONTINGENT LIABILITIES (See Note 5)
SHAREHOLDERS' EQUITY
Common stock ($1.00 stated value per share, 10,000,000 shares authorized; 2021 - 5,447,185 shares issued; 2020 - 5,447,185 shares issued)	5,447	5,447
Additional paid-in capital	51,165	51,165
Retained earnings	95,514	92,988
Accumulated other comprehensive income	1,326	2,436
Treasury stock, at cost (659,739 shares)	(15,712)	(15,712)
Total shareholders' equity	137,740	136,324
Total liabilities and shareholders' equity	$ 1,225,184	$ 1,186,932

CONSOLIDATED BALANCE SHEETS (_2

CONSOLIDATED BALANCE SHEETS (UNAUDITED) (Parenthetical) - USD ($) $ in Thousands	Mar. 31, 2021	Dec. 31, 2020
ASSETS
Securities held to maturity, fair value	$ 11,376	$ 10,344
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
	Mar. 31, 2021	Mar. 31, 2020
Interest and dividend income:
Loans, including fees	$ 10,565	$ 10,873
Securities
Taxable	405	597
Tax exempt	59	73
Dividends	59	66
Interest-bearing deposits with banks	28	162
Other Interest	10	14
Total interest and dividend income	11,126	11,785
Interest expense:
Deposits	883	1,509
Other borrowed funds	155	200
Subordinated debentures	40	72
Total interest expense	1,078	1,781
Net interest income	10,048	10,004
Provision for (recovery of) loan losses	(52)	3,846
Net interest income after provision for loan losses	10,100	6,158
Noninterest income:
Service charges on deposit accounts	405	493
Trust fees	72	68
Income from bank owned life insurance and annuity assets	248	217
Mortgage banking income	179	90
Electronic refund check / deposit fees	540	0
Debit / credit card interchange income	1,050	943
Gain (loss) on other real estate owned	1	(101)
Tax preparation fees	694	615
Litigation settlement	0	2,000
Other	150	117
Total noninterest income	3,339	4,442
Noninterest expense:
Salaries and employee benefits	5,270	5,455
Occupancy	467	432
Furniture and equipment	296	262
Professional fees	430	598
Marketing expense	268	268
FDIC insurance	79	0
Data processing	575	599
Software	449	381
Foreclosed assets	14	43
Amortization of intangibles	13	17
Other	1,326	1,464
Total noninterest expense	9,187	9,519
Income before income taxes	4,252	1,081
Provision for income taxes	721	79
NET INCOME	$ 3,531	$ 1,002
Earnings per share (in dollars per share)	$ 0.74	$ 0.21

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (UNAUDITED) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2021	Mar. 31, 2020
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (UNAUDITED) [Abstract]
Net Income	$ 3,531	$ 1,002
Other comprehensive income (loss):
Change in unrealized gain (loss) on available for sale securities	(1,404)	2,937
Related tax (expense) benefit	294	(617)
Total other comprehensive income (loss), net of tax	(1,110)	2,320
Total comprehensive income	$ 2,421	$ 3,322

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, 2019	$ 5,447	$ 51,165	$ 86,751	$ 528	$ (15,712)	$ 128,179
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	0	0	1,002	0	0	1,002
Other comprehensive income (loss), net	0	0	0	2,320	0	2,320
Cash dividends	0	0	(1,005)	0	0	(1,005)
Balance at Mar. 31, 2020	5,447	51,165	86,748	2,848	(15,712)	130,496
Balance at Dec. 31, 2020	5,447	51,165	92,988	2,436	(15,712)	136,324
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	0	0	3,531	0	0	3,531
Other comprehensive income (loss), net	0	0	0	(1,110)	0	(1,110)
Cash dividends	0	0	(1,005)	0	0	(1,005)
Balance at Mar. 31, 2021	$ 5,447	$ 51,165	$ 95,514	$ 1,326	$ (15,712)	$ 137,740

CONSOLIDATED STATEMENTS OF CH_2

CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY (UNAUDITED) (Parenthetical) - $ / shares	3 Months Ended
	Mar. 31, 2021	Mar. 31, 2020
CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY (UNAUDITED) [Abstract]
Cash dividends, per share (in dollars per share)	$ 0.21	$ 0.21

CONDENSED CONSOLIDATED STATEMEN

CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS (UNAUDITED) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2021	Mar. 31, 2020
CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS (UNAUDITED) [Abstract]
Net cash provided by operating activities:	$ 685	$ 1,819
Investing activities:
Proceeds from maturities of securities available for sale	14,753	6,310
Purchases of securities available for sale	(30,421)	(10,287)
Proceeds from maturities of securities held to maturity	216	215
Purchase of securities held to maturity	(1,341)	0
Proceeds from maturities of certificates of deposit in financial institutions	245	0
Net change in loans	17,402	(3,720)
Proceeds from sale of other real estate owned	49	147
Purchases of premises and equipment	(183)	(2,049)
Net cash (used in) investing activities	720	(9,384)
Financing activities:
Change in deposits	38,889	24,417
Cash dividends	(1,005)	(1,005)
Repayment of Federal Home Loan Bank borrowings	(1,172)	(1,383)
Change in other long-term borrowings	0	(149)
Net cash provided by financing activities	36,712	21,880
Change in cash and cash equivalents	38,117	14,315
Cash and cash equivalents at beginning of period	138,303	52,356
Cash and cash equivalents at end of period	176,420	66,671
Supplemental disclosure:
Cash paid for interest	1,296	1,805
Transfers from loans to other real estate owned	0	33
Operating lease liability arising from obtaining right-of-use asset	$ 462	$ 0

SUMMARY OF SIGNIFICANT ACCOUNTI

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	3 Months Ended
	Mar. 31, 2021
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 March 31, 2021, and its results of operations and cash flows for the periods presented. The results of operations for the three months ended March 31, 2021 are not necessarily indicative of the operating results to be anticipated for the full fiscal year ending December 31, 2021. 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, 2020 contains consolidated financial statements and related notes which should be read in conjunction with the accompanying consolidated financial statements. The consolidated financial statements for 2020 have been reclassified to conform to the presentation for 2021. These reclassifications had no effect on net income or shareholders’ equity. CURRENT EVENTS: The continued financial impact of COVID-19 depends largely on the actions taken by governmental authorities and other third parties. In addition, COVID-19 may continue to adversely impact several industries within our geographic footprint for some time 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. These effects may include: ● Increased provision for loan losses. Continued uncertainty regarding the severity and duration of COVID-19 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 providing loans to small businesses negatively impacted by COVID-19. 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. USE OF ESTIMATES IN THE PREPARATION OF FINANCIAL STATEMENTS: INDUSTRY SEGMENT INFORMATION: LOANS: Interest income is discontinued and the loan moved to non-accrual status when full loan repayment is in doubt, typically when the loan is impaired or payments are past due 90 days or over unless the loan is well-secured or in process of collection. Past due status is based on the contractual terms of the loan. In all cases, loans are placed on nonaccrual or charged-off at an earlier date if collection of principal or interest is considered doubtful. Nonaccrual loans and loans past due 90 days or over and still accruing include both smaller balance homogeneous loans that are collectively evaluated for impairment and individually classified impaired loans. All interest accrued but not received for loans placed on nonaccrual is reversed against interest income. Interest received on such loans is accounted for on the cash-basis method until qualifying for return to accrual. 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 Bank also originates long-term, fixed-rate mortgage loans, with full intention of being sold to the secondary market. These loans are considered held for sale during the period of time after the principal has been advanced to the borrower by the Bank, but before the Bank has been reimbursed by the Federal Home Loan Mortgage Corporation, typically within a few business days. Loans sold to the secondary market are carried at the lower of aggregate cost or fair value. As of March 31, 2021, there were $275 in loans held for sale by the Bank, as compared to $70 in loans held for sale at December 31, 2020. ALLOWANCE FOR LOAN LOSSES: The allowance consists of specific and general components. The specific component relates to loans that are individually classified as impaired. A loan is impaired when, based on current information and events, it is probable that the Company will be unable to collect all amounts due according to the contractual terms of the loan agreement. Loans for which the terms have been modified and for which the borrower is experiencing financial difficulties are considered troubled debt restructurings and classified as impaired. Factors considered by management in determining impairment include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length and reasons for the delay, the borrower’s prior payment record, and the amount of shortfall in relation to the principal and interest owed. Commercial and commercial real estate loans are individually evaluated for impairment. If a loan is impaired, a portion of the allowance is allocated so that the loan is reported, net, at the present value of estimated future cash flows using the loan’s existing rate or at the fair value of collateral if repayment is expected solely from the collateral. Smaller balance homogeneous loans, such as consumer and most residential real estate, are collectively evaluated for impairment, and accordingly, they are not separately identified for impairment disclosure. Troubled debt restructurings are measured at the present value of estimated future cash flows using the loan’s effective rate at inception. If a troubled debt restructuring is considered to be a collateral dependent loan, the loan is reported, net, at the fair value of the collateral. For troubled debt restructurings that subsequently default, the Company determines the amount of reserve in accordance with the accounting policy for the allowance for loan losses. The general component covers non-impaired loans and impaired loans that are not individually reviewed for impairment and is based on historical loss experience adjusted for current factors. The historical loss experience is determined by portfolio segment and is based on the actual loss history experienced by the Company over the most recent 3 years for the consumer and real estate portfolio segment and 5 years for the commercial portfolio segment. The total loan portfolio’s actual loss experience is supplemented with other economic factors based on the risks present for each portfolio segment. These economic factors include consideration of the following: levels of and trends in delinquencies and impaired loans; levels of and trends in charge-offs and recoveries; trends in volume and terms of loans; effects of any changes in risk selection and underwriting standards; other changes in lending policies, procedures, and practices; experience, ability, and depth of lending management and other relevant staff; national and local economic trends and conditions; industry conditions; and effects of changes in credit concentrations. The following portfolio segments have been identified: Commercial and Industrial, Commercial Real Estate, Residential Real Estate, and Consumer. Commercial and industrial loans consist of borrowings for commercial purposes to individuals, corporations, partnerships, sole proprietorships, and other business enterprises. Commercial and industrial loans are generally secured by business assets such as equipment, accounts receivable, inventory, or any other asset excluding real estate and generally made to finance capital expenditures or operations. The Company’s risk exposure is related to deterioration in the value of collateral securing the loan should foreclosure become necessary. Generally, business assets used or produced in operations do not maintain their value upon foreclosure, which may require the Company to write down the value significantly to sell. Commercial real estate consists of nonfarm, nonresidential loans secured by owner-occupied and nonowner-occupied commercial real estate as well as commercial construction loans. An owner-occupied loan relates to a borrower purchased building or space for which the repayment of principal is dependent upon cash flows from the ongoing business operations conducted by the party, or an affiliate of the party, who owns the property. Owner-occupied loans that are dependent on cash flows from operations can be adversely affected by current market conditions for their product or service. A nonowner- occupied loan is a property loan for which the repayment of principal is dependent upon rental income associated with the property or the subsequent sale of the property. Nonowner-occupied loans that are dependent upon rental income are primarily impacted by local economic conditions which dictate occupancy rates and the amount of rent charged. Commercial construction loans consist of borrowings to purchase and develop raw land into 1-4 family residential properties. Construction loans are extended to individuals as well as corporations for the construction of an individual or multiple properties and are secured by raw land and the subsequent improvements. Repayment of the loans to real estate developers is dependent upon the sale of properties to third parties in a timely fashion upon completion. Should there be delays in construction or a downturn in the market for those properties, there may be significant erosion in value which may be absorbed by the Company. Residential real estate loans consist of loans to individuals for the purchase of 1-4 family primary residences with repayment primarily through wage or other income sources of the individual borrower. The Company’s loss exposure to these loans is dependent on local market conditions for residential properties as loan amounts are determined, in part, by the fair value of the property at origination. Consumer loans are comprised of loans to individuals secured by automobiles, open-end home equity loans and other loans to individuals for household, family, and other personal expenditures, both secured and unsecured. These loans typically have maturities of 6 years or less with repayment dependent on individual wages and income. The risk of loss on consumer loans is elevated as the collateral securing these loans, if any, rapidly depreciate in value or may be worthless and/or difficult to locate if repossession is necessary. The Company has allocated the highest percentage of its allowance for loan losses as a percentage of loans to the other identified loan portfolio segments due to the larger dollar balances associated with such portfolios. At March 31, 2021, there were no changes to the accounting policies or methodologies within any of the Company’s loan portfolio segments from the prior period. EARNINGS PER SHARE: ACCOUNTING GUIDANCE TO BE ADOPTED IN FUTURE PERIODS:

FAIR VALUE OF FINANCIAL INSTRUM

FAIR VALUE OF FINANCIAL INSTRUMENTS	3 Months Ended
	Mar. 31, 2021
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: In some instances, fair value adjustments can be made based on a quoted price from an observable input, such as a purchase agreement. Such adjustments would be classified as a Level 2 classification. 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, which typically amount to approximately 10% of the fair value of such collateral. 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 March 31, 2021 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 securities — $ 5,166 — U.S. Government sponsored entity securities — 22,822 — Agency mortgage-backed securities, residential — 98,406 — Interest rate swap derivatives — 765 — Liabilities: Interest rate swap derivatives — (765 ) — Fair Value Measurements at December 31, 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 — $ 18,153 — Agency mortgage-backed securities, residential — 94,169 — Interest rate swap derivatives — 928 — Liabilities: Interest rate swap derivatives — (928 ) — There were no transfers between Level 1 and Level 2 during 2021 or 2020. Assets and Liabilities Measured on a Nonrecurring Basis There were no assets or liabilities measured at fair value on a nonrecurring basis at December 31, 2020. Assets and liabilities measured at fair value on a nonrecurring basis are summarized below: Fair Value Measurements at March 31, 2021, 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 — — $ 2,097 Commercial and Industrial — — 244 At March 31, 2021, the recorded investment of impaired loans measured for impairment using the fair value of collateral for collateral-dependent loans totaled $2,431, with a corresponding valuation allowance of $90, resulting in an increase of $90 in provision expense during the three months ended March 31, 2021, with no corresponding charge-offs recognized. This is compared to an increase of $854 in provision expense during the three months ended March 31, 2020. At December 31, 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 year ended December 31, 2020. There was no other real estate owned that was measured at fair value less costs to sell at March 31, 2021 and December 31, 2020. There were no corresponding write downs during the three months ended March 31, 2021 and 2020. 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 March 31, 2021 March 31, 2021 Fair Value Valuation Technique(s) Unobservable Input(s) Range Weighted Average Impaired loans: 1 1 Commercial real estate: Owner-occupied $ 2,097 Sales approach Adjustment to comparables 5% to 35% 20.8% Commercial and industrial 944 Sales approach Adjustment to comparables 20% to 33% 23.4% The carrying amounts and estimated fair values of financial instruments at March 31, 2021 and December 31, 2020 are as follows: Carrying Fair Value Measurements at March 31, 2021 Using Value Level 1 Level 2 Level 3 Total Financial Assets: Cash and cash equivalents $ 176,420 $ 176,420 $ — $ — $ 176,420 Certificates of deposit in financial institutions 2,255 — 2,255 — 2,255 Securities available for sale 126,394 — 126,394 — 126,394 Securities held to maturity 11,137 — 6,270 5,106 11,376 Loans, net 824,163 — — 821,177 821,177 Interest rate swap derivatives 765 — 765 — 765 Accrued interest receivable 3,257 — 343 2,914 3,257 Financial liabilities: Deposits 1,032,628 327,976 706,080 — 1,034,056 Other borrowed funds 26,691 — 27,925 — 27,925 Subordinated debentures 8,500 — 5,548 — 5,548 Interest rate swap derivatives 765 — 765 — 765 Accrued interest payable 882 1 881 — 882 Carrying Fair Value Measurements at December 31, 2020 Using: Value Level 1 Level 2 Level 3 Total Financial Assets: Cash and cash equivalents $ 138,303 $ 138,303 $ — $ — $ 138,303 Certificates of deposit in financial institutions 2,500 — 2,500 — 2,500 Securities available for sale 112,322 — 112,322 — 112,322 Securities held to maturity 10,020 — 4,989 5,355 10,344 Loans, net 841,504 — — 837,387 837,387 Interest rate swap derivatives 928 — 928 — 928 Accrued interest receivable 3,319 — 283 3,036 3,319 Financial liabilities: Deposits 993,739 314,777 680,904 — 995,681 Other borrowed funds 27,863 — 29,807 — 29,807 Subordinated debentures 8,500 — 5,556 — 5,556 Interest rate swap derivatives 928 — 928 — 928 Accrued interest payable 1,100 1 1,099 — 1,100 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	3 Months Ended
	Mar. 31, 2021
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 March 31, 2021 and December 31, 2020 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 March 31 , 2021 U.S. Government securities $ 5,173 $ — $ (7 ) $ 5,166 U.S. Government sponsored entity securities 22,808 241 (227 ) 22,822 Agency mortgage-backed securities, residential 96,734 2,150 (478 ) 98,406 Total securities $ 124,715 $ 2,391 $ (712 ) $ 126,394 December 31 , 2020 U.S. Government sponsored entity securities $ 17,814 $ 339 $ — $ 18,153 Agency mortgage-backed securities, residential 91,425 2,748 (4 ) 94,169 Total securities $ 109,239 $ 3,087 $ (4 ) $ 112,322 Securities Held to Maturity Amortized Cost Gross Unrecognized Gains Gross Unrecognized Losses Estimated Fair Value March 31 , 2021 Obligations of states and political subdivisions $ 11,135 $ 275 $ (36 ) $ 11,374 Agency mortgage-backed securities, residential 2 — — 2 Total securities $ 11,137 $ 275 $ (36 ) $ 11,376 December 31 , 2020 Obligations of states and political subdivisions $ 10,018 $ 324 $ — $ 10,342 Agency mortgage-backed securities, residential 2 — — 2 Total securities $ 10,020 $ 324 $ - $ 10,344 The amortized cost and estimated fair value of debt securities at March 31, 2021, 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 $ - $ - $ 2,422 $ 2,467 Due in over one to five years 10,308 10,507 3,492 3,609 Due in over five to ten years 17,673 17,481 4,894 4,981 Due after ten years — — 327 317 Agency mortgage-backed securities, residential 96,734 98,406 2 2 Total debt securities $ 124,715 $ 126,394 $ 11,137 $ 11,376 The following table summarizes securities with unrealized losses at March 31, 2021 and December 31, 2020, aggregated by major security type and length of time in a continuous unrealized loss position: March 31, 2021 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 securities $ 5,166 $ (7 ) $ — $ — $ 5,166 $ (7 ) U.S. Government sponsored entity securities 14,771 (227 ) — — 14,771 (227 ) Agency mortgage-backed securities, residential 33,641 (478 ) — — 33,641 (478 ) Total available for sale $ 53,578 $ (712 ) $ — $ — $ 53,578 $ (712 ) December 31, 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-backedsecurities, residential $ 14,517 $ (4 ) $ — $ — $ 14,517 $ (4 ) Total available for sale $ 14,517 $ (4 ) $ — $ — $ 14,517 $ (4 ) March 31 , 2021 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 $ 2,023 $ (36 ) $ — $ — $ 2,023 $ (36 ) Total held to maturity $ 2,023 $ (36 ) $ — $ — $ 2,023 $ (36 ) There were no sales of investment securities during the three months ended March 31, 2021 or 2020. 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 March 31, 2021, 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 March 31, 2021 and December 31, 2020 represents an other-than-temporary impairment.

LOANS AND ALLOWANCE FOR LOAN LO

LOANS AND ALLOWANCE FOR LOAN LOSSES	3 Months Ended
	Mar. 31, 2021
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: March 31, 2021 December 31, 2020 Residential real estate $ 290,587 $ 305,478 Commercial real estate: Owner-occupied 54,228 51,863 Nonowner-occupied 159,262 164,523 Construction 37,656 37,063 Commercial and industrial 159,716 157,692 Consumer: Automobile 53,475 55,241 Home equity 20,608 19,993 Other 55,518 56,811 831,050 848,664 Less: Allowance for loan losses (6,887 ) (7,160 ) Loans, net $ 824,163 $ 841,504 Commercial and industrial loans include $ of loans originated under the PPP at , compared to $27,933 at December 31, 2020. These loans are guaranteed by the SBA. The following table presents the activity in the allowance for loan losses by portfolio segment for the three months ended March 31, 2021 and 2020: March 31 , 2021 Residential Real Estate Commercial Real Estate Commercial and Industrial Consumer Total Allowance for loan losses: Beginning balance $ 1,480 $ 2,431 $ 1,776 $ 1,473 $ 7,160 Provision for loan losses (116 ) (102 ) 52 114 (52 ) Loans charged off (1 ) (10 ) (71 ) (359 ) (441 ) Recoveries 14 27 34 145 220 Total ending allowance balance $ 1,377 $ 2,346 $ 1,791 $ 1,373 $ 6,887 March 31 , 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 926 1,572 624 724 3,846 Loans charged-off (198 ) (516 ) (33 ) (889 ) (1,636 ) Recoveries 24 44 7 172 247 Total ending allowance balance $ 2,002 $ 3,028 $ 2,045 $ 1,654 $ 8,729 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 March 31, 2021 and December 31, 2020: March 31 , 2021 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 $ — $ 8 $ 32 $ 50 $ 90 Collectively evaluated for impairment 1,377 2,338 1,759 1,323 6,797 Total ending allowance balance $ 1,377 $ 2,346 $ 1,791 $ 1,373 $ 6,887 Loans: Loans individually evaluated for impairment $ 205 $ 5,606 $ 3,311 $ 83 $ 9,205 Loans collectively evaluated for impairment 290,382 245,540 156,405 129,518 821,845 Total ending loans balance $ 290,587 $ 251,146 $ 159,716 $ 129,601 $ 831,050 December 31 , 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 1,480 2,431 1,776 1,473 7,160 Total ending allowance balance $ 1,480 $ 2,431 $ 1,776 $ 1,473 $ 7,160 Loans: Loans individually evaluated for impairment $ 411 $ 5,845 $ 4,686 $ 84 $ 11,026 Loans collectively evaluated for impairment 305,067 247,604 153,006 131,961 837,638 Total ending loans balance $ 305,478 $ 253,449 $ 157,692 $ 132,045 $ 848,664 The following tables present information related to loans individually evaluated for impairment by class of loans as of March 31, 2021 and December 31, 2020: March 31 , 2021 Unpaid Principal Balance Recorded Investment Allowance for Loan Losses Allocated With an allowance recorded: Commercial real estate: Owner-occupied $ 2,105 $ 2,105 $ 8 Commercial and industrial 276 276 32 Consumer: Other 50 50 50 With no related allowance recorded: Residential real estate 215 205 — Commercial real estate: Owner-occupied 3,112 3,112 — Nonowner-occupied 389 389 — Commercial and industrial 3,035 3,035 — Consumer: Home equity 33 33 — Total $ 9,215 $ 9,205 $ 90 December 31 , 2020 Unpaid Principal Balance Recorded Investment Allowance for Loan Losses Allocated With an allowance recorded: $ ---- $ ---- $ --- With no related allowance recorded: Residential real estate 418 411 — Commercial real estate: Owner-occupied 5,256 5,256 — Nonowner-occupied 632 589 — Commercial and industrial 4,686 4,686 — Consumer: Home equity 34 34 — Other 50 50 — Total $ 11,076 $ 11,026 $ — The following tables present information related to loans individually evaluated for impairment by class of loans for the three months ended March 31, 2021 and 2020: Three months ended March 31, 2021 Average Impaired Loans Interest Income Recognized Cash Basis Interest Recognized With an allowance recorded: Commercial real estate: Owner-occupied $ 2,109 $ 43 $ 43 Commercial and industrial 281 4 4 Consumer: Other 50 1 1 With no related allowance recorded: Residential real estate 207 3 3 Commercial real estate: Owner-occupied 3,128 34 34 Nonowner-occupied 389 7 7 Commercial and industrial 3,718 47 47 Consumer: Home equity 33 1 1 Total $ 9,915 $ 140 $ 140 Three months ended March 31, 2020 Average Impaired Loans Interest Income Recognized Cash Basis Interest Recognized With an allowance recorded: Commercial real estate: Owner-occupied $ 875 $ 9 $ 9 Commercial and industrial 611 7 7 With no related allowance recorded: Residential real estate 433 4 4 Commercial real estate: Owner-occupied 2,754 48 48 Nonowner-occupied 1,033 11 11 Commercial and industrial 4,279 66 66 Consumer: Home equity 385 5 5 Total $ 10,370 $ 150 $ 150 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 March 31, 2021, there were no other real estate owned for residential real estate properties, as compared to $43 at December 31, 2020. In addition, nonaccrual residential mortgage loans that are in the process of foreclosure had a recorded investment of $693 and $1,097 as of March 31, 2021 and December 31, 2020, 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 March 31, 2021 and December 31, 2020: March 31 , 2021 Loans Past Due 90 Days And Still Accruing Nonaccrual Residential real estate $ 39 $ 4,828 Commercial real estate: Owner-occupied — 457 Nonowner-occupied — 162 Construction — 153 Commercial and industrial — 149 Consumer: Automobile 59 55 Home equity — 160 Other 42 26 Total $ 140 $ 5,990 December 31 , 2020 Loans Past Due 90 Days And Still Accruing Nonaccrual Residential real estate $ 127 $ 5,256 Commercial real estate: Owner-occupied — 205 Nonowner-occupied — 362 Construction — 156 Commercial and industrial 15 149 Consumer: Automobile 146 129 Home equity — 210 Other 136 36 Total $ 424 $ 6,503 The following table presents the aging of the recorded investment of past due loans by class of loans as of March 31, 2021 and December 31, 2020: March 31 , 2021 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 $ 2,123 $ 506 $ 965 $ 3,594 $ 286,993 $ 290,587 Commercial real estate: Owner-occupied 292 923 445 1,660 52,568 54,228 Nonowner-occupied 2,098 — 162 2,260 157,002 159,262 Construction - 29 82 111 37,545 37,656 Commercial and industrial 140 - 149 289 159,427 159,716 Consumer: Automobile 451 80 99 630 52,845 53,475 Home equity 61 127 138 326 20,282 20,608 Other 161 71 61 293 55,225 55,518 Total $ 5,326 $ 1,736 $ 2,101 $ 9,163 $ 821,887 $ 831,050 December 31 , 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 $ 2,845 $ 496 $ 1,663 $ 5,004 $ 300,474 $ 305,478 Commercial real estate: Owner-occupied 470 1,003 193 1,666 50,197 51,863 Nonowner-occupied 94 — 362 456 164,067 164,523 Construction — 82 — 82 36,981 37,063 Commercial and industrial 1,112 11 164 1,287 156,405 157,692 Consumer: Automobile 831 131 258 1,220 54,021 55,241 Home equity 204 81 113 398 19,595 19,993 Other 446 76 172 694 56,117 56,811 Total $ 6,002 $ 1,880 $ 2,925 $ 10,807 $ 837,857 $ 848,664 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 March 31, 2021 and December 31, 2020: March 31 , 2021 TDRs Performing to Modified Terms TDRs Not Performing to Modified Terms Total TDRs Commercial real estate: Owner-occupied Reduction of principal and interest payments $ 1,479 $ — $ 1,479 Maturity extension at lower stated rate than market rate 329 — 329 Credit extension at lower stated rate than market rate 381 — 381 Nonowner-occupied Credit extension at lower stated rate than market rate 389 — 389 Commercial and industrial: Interest only payments 3,035 — 3,035 Total TDRs $ 5,613 $ — $ 5,613 December 31 , 2020 TDRs Performing to Modified Terms TDRs Not Performing to Modified Terms Total TDRs Residential real estate: Interest only payments $ 202 $ — $ 202 Commercial real estate: Owner-occupied Reduction of principal and interest payments 1,486 — 1,486 Maturity extension at lower stated rate than market rate 351 — 351 Credit extension at lower stated rate than market rate 384 — 384 Nonowner-occupied Credit extension at lower stated rate than market rate 390 — 390 Commercial and industrial: Interest only payments 4,400 — 4,400 Total TDRs $ 7,213 $ — $ 7,213 The Company had no specific allocations in reserves to customers whose loan terms have been modified in TDRs at March 31, 2021 and December 31, 2020. At March 31, 2021, the Company had $2,465 in commitments to lend additional amounts to customers with outstanding loans that are classified as TDRs, as compared to $1,100 at December 31, 2020. There were no TDR loan modifications that occurred during the three months ended March 31, 2021 and 2020 that impacted provision expense or the allowance for loan losses. The Company had no TDRs that occurred during the three months ended March 31, 2021 and 2020 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 on the modification of loans as a result of COVID-19, 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 if they are less than 30 days past due on their contractual payments at the time of modification. As of March 31, 2021, the Company had modified loans related to COVID-19 with an outstanding loan balance of $ that were not reported as TDRs. As of March 31, 2021, the Company had modified loans that were still in active deferral related to COVID-19 with an outstanding 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 March 31, 2021 and December 31, 2020, and based on the most recent analysis performed, the risk category of commercial loans by class of loans was as follows: March 31 , 2021 Pass Criticized Classified Total Commercial real estate: Owner-occupied $ 48,758 $ 655 $ 4,815 $ 54,228 Nonowner-occupied 155,258 3,635 369 159,262 Construction 37,574 — 82 37,656 Commercial and industrial 154,244 2,012 3,460 159,716 Total $ 395,834 $ 6,302 $ 8,726 $ 410,862 December 31 , 2020 Pass Criticized Classified Total Commercial real estate: Owner-occupied $ 46,604 $ 669 $ 4,590 $ 51,863 Nonowner-occupied 160,324 3,629 570 164,523 Construction 37,063 — — 37,063 Commercial and industrial 150,786 2,064 4,842 157,692 Total $ 394,777 $ 6,362 $ 10,002 $ 411,141 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 March 31, 2021 and December 31, 2020: March 31 , 2021 Consumer Residential Automobile Home Equity Other Real Estate Total Performing $ 53,361 $ 20,448 $ 55,450 $ 285,720 $ 414,979 Nonperforming 114 160 68 4,867 5,209 Total $ 53,475 $ 20,608 $ 55,518 $ 290,587 $ 420,188 December 31 , 2020 Consumer Residential Automobile Home Equity Other Real Estate Total Performing $ 54,966 $ 19,783 $ 56,639 $ 300,095 $ 431,483 Nonperforming 275 210 172 5,383 6,040 Total $ 55,241 $ 19,993 $ 56,811 $ 305,478 $ 437,523 The Company 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 4.04% of total loans were unsecured at March 31, 2021, down from 4.22% at December 31, 2020.

FINANCIAL INSTRUMENTS WITH OFF-

FINANCIAL INSTRUMENTS WITH OFF-BALANCE SHEET RISK	3 Months Ended
	Mar. 31, 2021
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 March 31, 2021, the contract amounts of these instruments totaled approximately $86,859, compared to $88,456 at December 31, 2020. 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	3 Months Ended
	Mar. 31, 2021
OTHER BORROWED FUNDS [Abstract]
OTHER BORROWED FUNDS	NOTE 6 - OTHER BORROWED FUNDS Other borrowed funds at March 31, 2021 and December 31, 2020 are comprised of advances from the Federal Home Loan Bank (“FHLB”) of Cincinnati and promissory notes. FHLB Borrowings Promissory Notes Totals March 31, 2021 $ 23,493 $ 3,198 $ 26,691 December 31, 2020 $ 24,665 $ 3,198 $ 27,863 Pursuant to collateral agreements with the FHLB, advances were secured by $282,889 in qualifying mortgage loans, $55,701 in commercial loans and $5,365 in FHLB stock at March 31, 2021. Fixed-rate FHLB advances of $23,493 mature through 2042 and have interest rates ranging from 1.53% to 3.31% and a year-to-date weighted average cost of 2.43% at March 31, 2021 and 2.40% at December 31, 2020. There were no variable-rate FHLB borrowings at March 31, 2021. At March 31, 2021, the Company had a cash management line of credit enabling it to borrow up to $100,000 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 $92,178 available on this line of credit at March 31, 2021. 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 $188,666 at March 31, 2021. Of this maximum borrowing capacity, the Company had $92,178 available to use as additional borrowings. Promissory notes, issued primarily by Ohio Valley, are due at various dates through a final maturity date of December 9, 2021, and have fixed rates ranging from 1.00% to 2.85% and a year-to-date weighted average cost of 1.41% at March 31, 2021, as compared to 2.20% at December 31, 2020. At March 31, 2021 and December 31, 2020, there were six promissory notes payable by Ohio Valley to related parties totaling $3,198. There were no promissory notes payable to other banks at March 31, 2021 and December 31, 2020, respectively. Letters of credit issued on the Bank's behalf by the FHLB to collateralize certain public unit deposits as required by law totaled $72,995 at March 31, 2021 and $76,740 at December 31, 2020. Scheduled principal payments as of March 31, 2021: FHLB Borrowings Promissory Notes Totals 2021 $ 1,962 $ 3,198 $ 5,160 2022 2,683 — 2,683 2023 2,542 — 2,542 2024 2,173 — 2,173 2025 1,897 — 1,897 Thereafter 12,236 — 12,236 $ 23,493 $ 3,198 $ 26,691

SEGMENT INFORMATION

SEGMENT INFORMATION	3 Months Ended
	Mar. 31, 2021
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 90.8% of total consolidated revenues for both quarters ended, March 31, 2021 and 2020. 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 March 31, 2021 Banking Consumer Finance Total Company Net interest income $ 9,554 $ 494 $ 10,048 Provision expense (50 ) (2 ) (52 ) Noninterest income 2,508 831 3,339 Noninterest expense 8,497 690 9,187 Tax expense 588 133 721 Net income 3,027 504 3,531 Assets 1,212,129 13,055 1,225,184 Three months ended March 31, 2020 Banking Consumer Finance Total Company Net interest income $ 9,471 $ 533 $ 10,004 Provision expense 3,845 1 3,846 Noninterest income 3,487 955 4,442 Noninterest expense 8,766 753 9,519 Tax expense (75 ) 154 79 Net income 422 580 1,002 Assets 1,024,169 11,672 1,035,841

LEASES

LEASES	3 Months Ended
	Mar. 31, 2021
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 6 months to 20 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. Balance sheet information related to leases was as follows: As of March 31, 2021 As of December 31, 2020 Operating leases: Operating lease right-of-use assets $ 1,133 $ 880 Operating lease liabilities 1,133 880 The components of lease cost were as follows: Three months ended March 31, 2021 2020 Operating lease cost $ 39 $ 54 Short-term lease expense 8 8 Future undiscounted lease payments for operating leases with initial terms of one year or more as of March 31, 2021 are as follows: Operating Leases 2021 (remaining) $ 118 2022 157 2023 116 2024 95 2025 95 Thereafter 805 Total lease payments 1,386 Less: Imputed Interest (253 ) Total operating leases $ 1,133 Other information was as follows: As of March 31, 2021 As of December 31, 2020 Weighted-average remaining lease term for operating leases 12.7 years 9.6 years Weighted-average discount rate for operating leases 2.38 % 2.79 %

SUMMARY OF SIGNIFICANT ACCOUN_2

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies)	3 Months Ended
	Mar. 31, 2021
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 March 31, 2021, and its results of operations and cash flows for the periods presented. The results of operations for the three months ended March 31, 2021 are not necessarily indicative of the operating results to be anticipated for the full fiscal year ending December 31, 2021. 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, 2020 contains consolidated financial statements and related notes which should be read in conjunction with the accompanying consolidated financial statements. The consolidated financial statements for 2020 have been reclassified to conform to the presentation for 2021. 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:
LOANS	LOANS: Interest income is discontinued and the loan moved to non-accrual status when full loan repayment is in doubt, typically when the loan is impaired or payments are past due 90 days or over unless the loan is well-secured or in process of collection. Past due status is based on the contractual terms of the loan. In all cases, loans are placed on nonaccrual or charged-off at an earlier date if collection of principal or interest is considered doubtful. Nonaccrual loans and loans past due 90 days or over and still accruing include both smaller balance homogeneous loans that are collectively evaluated for impairment and individually classified impaired loans. All interest accrued but not received for loans placed on nonaccrual is reversed against interest income. Interest received on such loans is accounted for on the cash-basis method until qualifying for return to accrual. 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 Bank also originates long-term, fixed-rate mortgage loans, with full intention of being sold to the secondary market. These loans are considered held for sale during the period of time after the principal has been advanced to the borrower by the Bank, but before the Bank has been reimbursed by the Federal Home Loan Mortgage Corporation, typically within a few business days. Loans sold to the secondary market are carried at the lower of aggregate cost or fair value. As of March 31, 2021, there were $275 in loans held for sale by the Bank, as compared to $70 in loans held for sale at December 31, 2020.
ALLOWANCE FOR LOAN LOSSES	ALLOWANCE FOR LOAN LOSSES: The allowance consists of specific and general components. The specific component relates to loans that are individually classified as impaired. A loan is impaired when, based on current information and events, it is probable that the Company will be unable to collect all amounts due according to the contractual terms of the loan agreement. Loans for which the terms have been modified and for which the borrower is experiencing financial difficulties are considered troubled debt restructurings and classified as impaired. Factors considered by management in determining impairment include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length and reasons for the delay, the borrower’s prior payment record, and the amount of shortfall in relation to the principal and interest owed. Commercial and commercial real estate loans are individually evaluated for impairment. If a loan is impaired, a portion of the allowance is allocated so that the loan is reported, net, at the present value of estimated future cash flows using the loan’s existing rate or at the fair value of collateral if repayment is expected solely from the collateral. Smaller balance homogeneous loans, such as consumer and most residential real estate, are collectively evaluated for impairment, and accordingly, they are not separately identified for impairment disclosure. Troubled debt restructurings are measured at the present value of estimated future cash flows using the loan’s effective rate at inception. If a troubled debt restructuring is considered to be a collateral dependent loan, the loan is reported, net, at the fair value of the collateral. For troubled debt restructurings that subsequently default, the Company determines the amount of reserve in accordance with the accounting policy for the allowance for loan losses. The general component covers non-impaired loans and impaired loans that are not individually reviewed for impairment and is based on historical loss experience adjusted for current factors. The historical loss experience is determined by portfolio segment and is based on the actual loss history experienced by the Company over the most recent 3 years for the consumer and real estate portfolio segment and 5 years for the commercial portfolio segment. The total loan portfolio’s actual loss experience is supplemented with other economic factors based on the risks present for each portfolio segment. These economic factors include consideration of the following: levels of and trends in delinquencies and impaired loans; levels of and trends in charge-offs and recoveries; trends in volume and terms of loans; effects of any changes in risk selection and underwriting standards; other changes in lending policies, procedures, and practices; experience, ability, and depth of lending management and other relevant staff; national and local economic trends and conditions; industry conditions; and effects of changes in credit concentrations. The following portfolio segments have been identified: Commercial and Industrial, Commercial Real Estate, Residential Real Estate, and Consumer. Commercial and industrial loans consist of borrowings for commercial purposes to individuals, corporations, partnerships, sole proprietorships, and other business enterprises. Commercial and industrial loans are generally secured by business assets such as equipment, accounts receivable, inventory, or any other asset excluding real estate and generally made to finance capital expenditures or operations. The Company’s risk exposure is related to deterioration in the value of collateral securing the loan should foreclosure become necessary. Generally, business assets used or produced in operations do not maintain their value upon foreclosure, which may require the Company to write down the value significantly to sell. Commercial real estate consists of nonfarm, nonresidential loans secured by owner-occupied and nonowner-occupied commercial real estate as well as commercial construction loans. An owner-occupied loan relates to a borrower purchased building or space for which the repayment of principal is dependent upon cash flows from the ongoing business operations conducted by the party, or an affiliate of the party, who owns the property. Owner-occupied loans that are dependent on cash flows from operations can be adversely affected by current market conditions for their product or service. A nonowner- occupied loan is a property loan for which the repayment of principal is dependent upon rental income associated with the property or the subsequent sale of the property. Nonowner-occupied loans that are dependent upon rental income are primarily impacted by local economic conditions which dictate occupancy rates and the amount of rent charged. Commercial construction loans consist of borrowings to purchase and develop raw land into 1-4 family residential properties. Construction loans are extended to individuals as well as corporations for the construction of an individual or multiple properties and are secured by raw land and the subsequent improvements. Repayment of the loans to real estate developers is dependent upon the sale of properties to third parties in a timely fashion upon completion. Should there be delays in construction or a downturn in the market for those properties, there may be significant erosion in value which may be absorbed by the Company. Residential real estate loans consist of loans to individuals for the purchase of 1-4 family primary residences with repayment primarily through wage or other income sources of the individual borrower. The Company’s loss exposure to these loans is dependent on local market conditions for residential properties as loan amounts are determined, in part, by the fair value of the property at origination. Consumer loans are comprised of loans to individuals secured by automobiles, open-end home equity loans and other loans to individuals for household, family, and other personal expenditures, both secured and unsecured. These loans typically have maturities of 6 years or less with repayment dependent on individual wages and income. The risk of loss on consumer loans is elevated as the collateral securing these loans, if any, rapidly depreciate in value or may be worthless and/or difficult to locate if repossession is necessary. The Company has allocated the highest percentage of its allowance for loan losses as a percentage of loans to the other identified loan portfolio segments due to the larger dollar balances associated with such portfolios. At March 31, 2021, there were no changes to the accounting policies or methodologies within any of the Company’s loan portfolio segments from the prior period.
EARNINGS PER SHARE	EARNINGS PER SHARE:
ACCOUNTING GUIDANCE TO BE ADOPTED IN FUTURE PERIODS	ACCOUNTING GUIDANCE TO BE ADOPTED IN FUTURE PERIODS:

FAIR VALUE OF FINANCIAL INSTR_2

FAIR VALUE OF FINANCIAL INSTRUMENTS (Tables)	3 Months Ended
	Mar. 31, 2021
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 March 31, 2021 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 securities — $ 5,166 — U.S. Government sponsored entity securities — 22,822 — Agency mortgage-backed securities, residential — 98,406 — Interest rate swap derivatives — 765 — Liabilities: Interest rate swap derivatives — (765 ) — Fair Value Measurements at December 31, 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 — $ 18,153 — Agency mortgage-backed securities, residential — 94,169 — Interest rate swap derivatives — 928 — Liabilities: Interest rate swap derivatives — (928 ) —
Assets and Liabilities Measured on Nonrecurring Basis	There were no assets or liabilities measured at fair value on a nonrecurring basis at December 31, 2020. Assets and liabilities measured at fair value on a nonrecurring basis are summarized below: Fair Value Measurements at March 31, 2021, 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 — — $ 2,097 Commercial and Industrial — — 244
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 March 31, 2021 March 31, 2021 Fair Value Valuation Technique(s) Unobservable Input(s) Range Weighted Average Impaired loans: 1 1 Commercial real estate: Owner-occupied $ 2,097 Sales approach Adjustment to comparables 5% to 35% 20.8% Commercial and industrial 944 Sales approach Adjustment to comparables 20% to 33% 23.4%
Carrying Amounts and Estimated Fair Values of Financial Instruments	The carrying amounts and estimated fair values of financial instruments at March 31, 2021 and December 31, 2020 are as follows: Carrying Fair Value Measurements at March 31, 2021 Using Value Level 1 Level 2 Level 3 Total Financial Assets: Cash and cash equivalents $ 176,420 $ 176,420 $ — $ — $ 176,420 Certificates of deposit in financial institutions 2,255 — 2,255 — 2,255 Securities available for sale 126,394 — 126,394 — 126,394 Securities held to maturity 11,137 — 6,270 5,106 11,376 Loans, net 824,163 — — 821,177 821,177 Interest rate swap derivatives 765 — 765 — 765 Accrued interest receivable 3,257 — 343 2,914 3,257 Financial liabilities: Deposits 1,032,628 327,976 706,080 — 1,034,056 Other borrowed funds 26,691 — 27,925 — 27,925 Subordinated debentures 8,500 — 5,548 — 5,548 Interest rate swap derivatives 765 — 765 — 765 Accrued interest payable 882 1 881 — 882 Carrying Fair Value Measurements at December 31, 2020 Using: Value Level 1 Level 2 Level 3 Total Financial Assets: Cash and cash equivalents $ 138,303 $ 138,303 $ — $ — $ 138,303 Certificates of deposit in financial institutions 2,500 — 2,500 — 2,500 Securities available for sale 112,322 — 112,322 — 112,322 Securities held to maturity 10,020 — 4,989 5,355 10,344 Loans, net 841,504 — — 837,387 837,387 Interest rate swap derivatives 928 — 928 — 928 Accrued interest receivable 3,319 — 283 3,036 3,319 Financial liabilities: Deposits 993,739 314,777 680,904 — 995,681 Other borrowed funds 27,863 — 29,807 — 29,807 Subordinated debentures 8,500 — 5,556 — 5,556 Interest rate swap derivatives 928 — 928 — 928 Accrued interest payable 1,100 1 1,099 — 1,100

SECURITIES (Tables)

SECURITIES (Tables)	3 Months Ended
	Mar. 31, 2021
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 March 31, 2021 and December 31, 2020 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 March 31 , 2021 U.S. Government securities $ 5,173 $ — $ (7 ) $ 5,166 U.S. Government sponsored entity securities 22,808 241 (227 ) 22,822 Agency mortgage-backed securities, residential 96,734 2,150 (478 ) 98,406 Total securities $ 124,715 $ 2,391 $ (712 ) $ 126,394 December 31 , 2020 U.S. Government sponsored entity securities $ 17,814 $ 339 $ — $ 18,153 Agency mortgage-backed securities, residential 91,425 2,748 (4 ) 94,169 Total securities $ 109,239 $ 3,087 $ (4 ) $ 112,322
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 March 31 , 2021 Obligations of states and political subdivisions $ 11,135 $ 275 $ (36 ) $ 11,374 Agency mortgage-backed securities, residential 2 — — 2 Total securities $ 11,137 $ 275 $ (36 ) $ 11,376 December 31 , 2020 Obligations of states and political subdivisions $ 10,018 $ 324 $ — $ 10,342 Agency mortgage-backed securities, residential 2 — — 2 Total securities $ 10,020 $ 324 $ - $ 10,344
Amortized Cost and Fair Value of Securities by Contractual Maturity	The amortized cost and estimated fair value of debt securities at March 31, 2021, 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 $ - $ - $ 2,422 $ 2,467 Due in over one to five years 10,308 10,507 3,492 3,609 Due in over five to ten years 17,673 17,481 4,894 4,981 Due after ten years — — 327 317 Agency mortgage-backed securities, residential 96,734 98,406 2 2 Total debt securities $ 124,715 $ 126,394 $ 11,137 $ 11,376
Securities with Unrealized Losses in Continuous Unrealized Loss Position	The following table summarizes securities with unrealized losses at March 31, 2021 and December 31, 2020, aggregated by major security type and length of time in a continuous unrealized loss position: March 31, 2021 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 securities $ 5,166 $ (7 ) $ — $ — $ 5,166 $ (7 ) U.S. Government sponsored entity securities 14,771 (227 ) — — 14,771 (227 ) Agency mortgage-backed securities, residential 33,641 (478 ) — — 33,641 (478 ) Total available for sale $ 53,578 $ (712 ) $ — $ — $ 53,578 $ (712 ) December 31, 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-backedsecurities, residential $ 14,517 $ (4 ) $ — $ — $ 14,517 $ (4 ) Total available for sale $ 14,517 $ (4 ) $ — $ — $ 14,517 $ (4 ) March 31 , 2021 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 $ 2,023 $ (36 ) $ — $ — $ 2,023 $ (36 ) Total held to maturity $ 2,023 $ (36 ) $ — $ — $ 2,023 $ (36 )

LOANS AND ALLOWANCE FOR LOAN _2

LOANS AND ALLOWANCE FOR LOAN LOSSES (Tables)	3 Months Ended
	Mar. 31, 2021
LOANS AND ALLOWANCE FOR LOAN LOSSES [Abstract]
Portfolio Loans	Loans are comprised of the following: March 31, 2021 December 31, 2020 Residential real estate $ 290,587 $ 305,478 Commercial real estate: Owner-occupied 54,228 51,863 Nonowner-occupied 159,262 164,523 Construction 37,656 37,063 Commercial and industrial 159,716 157,692 Consumer: Automobile 53,475 55,241 Home equity 20,608 19,993 Other 55,518 56,811 831,050 848,664 Less: Allowance for loan losses (6,887 ) (7,160 ) Loans, net $ 824,163 $ 841,504
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 March 31, 2021 and 2020: March 31 , 2021 Residential Real Estate Commercial Real Estate Commercial and Industrial Consumer Total Allowance for loan losses: Beginning balance $ 1,480 $ 2,431 $ 1,776 $ 1,473 $ 7,160 Provision for loan losses (116 ) (102 ) 52 114 (52 ) Loans charged off (1 ) (10 ) (71 ) (359 ) (441 ) Recoveries 14 27 34 145 220 Total ending allowance balance $ 1,377 $ 2,346 $ 1,791 $ 1,373 $ 6,887 March 31 , 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 926 1,572 624 724 3,846 Loans charged-off (198 ) (516 ) (33 ) (889 ) (1,636 ) Recoveries 24 44 7 172 247 Total ending allowance balance $ 2,002 $ 3,028 $ 2,045 $ 1,654 $ 8,729
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 March 31, 2021 and December 31, 2020: March 31 , 2021 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 $ — $ 8 $ 32 $ 50 $ 90 Collectively evaluated for impairment 1,377 2,338 1,759 1,323 6,797 Total ending allowance balance $ 1,377 $ 2,346 $ 1,791 $ 1,373 $ 6,887 Loans: Loans individually evaluated for impairment $ 205 $ 5,606 $ 3,311 $ 83 $ 9,205 Loans collectively evaluated for impairment 290,382 245,540 156,405 129,518 821,845 Total ending loans balance $ 290,587 $ 251,146 $ 159,716 $ 129,601 $ 831,050 NOTE 4 – LOANS AND ALLOWANCE FOR LOAN LOSSES (Continued) December 31 , 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 1,480 2,431 1,776 1,473 7,160 Total ending allowance balance $ 1,480 $ 2,431 $ 1,776 $ 1,473 $ 7,160 Loans: Loans individually evaluated for impairment $ 411 $ 5,845 $ 4,686 $ 84 $ 11,026 Loans collectively evaluated for impairment 305,067 247,604 153,006 131,961 837,638 Total ending loans balance $ 305,478 $ 253,449 $ 157,692 $ 132,045 $ 848,664
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 March 31, 2021 and December 31, 2020: March 31 , 2021 Unpaid Principal Balance Recorded Investment Allowance for Loan Losses Allocated With an allowance recorded: Commercial real estate: Owner-occupied $ 2,105 $ 2,105 $ 8 Commercial and industrial 276 276 32 Consumer: Other 50 50 50 With no related allowance recorded: Residential real estate 215 205 — Commercial real estate: Owner-occupied 3,112 3,112 — Nonowner-occupied 389 389 — Commercial and industrial 3,035 3,035 — Consumer: Home equity 33 33 — Total $ 9,215 $ 9,205 $ 90 December 31 , 2020 Unpaid Principal Balance Recorded Investment Allowance for Loan Losses Allocated With an allowance recorded: $ ---- $ ---- $ --- With no related allowance recorded: Residential real estate 418 411 — Commercial real estate: Owner-occupied 5,256 5,256 — Nonowner-occupied 632 589 — Commercial and industrial 4,686 4,686 — Consumer: Home equity 34 34 — Other 50 50 — Total $ 11,076 $ 11,026 $ — The following tables present information related to loans individually evaluated for impairment by class of loans for the three months ended March 31, 2021 and 2020: Three months ended March 31, 2021 Average Impaired Loans Interest Income Recognized Cash Basis Interest Recognized With an allowance recorded: Commercial real estate: Owner-occupied $ 2,109 $ 43 $ 43 Commercial and industrial 281 4 4 Consumer: Other 50 1 1 With no related allowance recorded: Residential real estate 207 3 3 Commercial real estate: Owner-occupied 3,128 34 34 Nonowner-occupied 389 7 7 Commercial and industrial 3,718 47 47 Consumer: Home equity 33 1 1 Total $ 9,915 $ 140 $ 140 Three months ended March 31, 2020 Average Impaired Loans Interest Income Recognized Cash Basis Interest Recognized With an allowance recorded: Commercial real estate: Owner-occupied $ 875 $ 9 $ 9 Commercial and industrial 611 7 7 With no related allowance recorded: Residential real estate 433 4 4 Commercial real estate: Owner-occupied 2,754 48 48 Nonowner-occupied 1,033 11 11 Commercial and industrial 4,279 66 66 Consumer: Home equity 385 5 5 Total $ 10,370 $ 150 $ 150
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 March 31, 2021 and December 31, 2020: March 31 , 2021 Loans Past Due 90 Days And Still Accruing Nonaccrual Residential real estate $ 39 $ 4,828 Commercial real estate: Owner-occupied — 457 Nonowner-occupied — 162 Construction — 153 Commercial and industrial — 149 Consumer: Automobile 59 55 Home equity — 160 Other 42 26 Total $ 140 $ 5,990 December 31 , 2020 Loans Past Due 90 Days And Still Accruing Nonaccrual Residential real estate $ 127 $ 5,256 Commercial real estate: Owner-occupied — 205 Nonowner-occupied — 362 Construction — 156 Commercial and industrial 15 149 Consumer: Automobile 146 129 Home equity — 210 Other 136 36 Total $ 424 $ 6,503
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 March 31, 2021 and December 31, 2020: March 31 , 2021 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 $ 2,123 $ 506 $ 965 $ 3,594 $ 286,993 $ 290,587 Commercial real estate: Owner-occupied 292 923 445 1,660 52,568 54,228 Nonowner-occupied 2,098 — 162 2,260 157,002 159,262 Construction - 29 82 111 37,545 37,656 Commercial and industrial 140 - 149 289 159,427 159,716 Consumer: Automobile 451 80 99 630 52,845 53,475 Home equity 61 127 138 326 20,282 20,608 Other 161 71 61 293 55,225 55,518 Total $ 5,326 $ 1,736 $ 2,101 $ 9,163 $ 821,887 $ 831,050 December 31 , 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 $ 2,845 $ 496 $ 1,663 $ 5,004 $ 300,474 $ 305,478 Commercial real estate: Owner-occupied 470 1,003 193 1,666 50,197 51,863 Nonowner-occupied 94 — 362 456 164,067 164,523 Construction — 82 — 82 36,981 37,063 Commercial and industrial 1,112 11 164 1,287 156,405 157,692 Consumer: Automobile 831 131 258 1,220 54,021 55,241 Home equity 204 81 113 398 19,595 19,993 Other 446 76 172 694 56,117 56,811 Total $ 6,002 $ 1,880 $ 2,925 $ 10,807 $ 837,857 $ 848,664
Troubled Debt Restructuring Loan Modifications	The following table presents the types of TDR loan modifications by class of loans as of March 31, 2021 and December 31, 2020: March 31 , 2021 TDRs Performing to Modified Terms TDRs Not Performing to Modified Terms Total TDRs Commercial real estate: Owner-occupied Reduction of principal and interest payments $ 1,479 $ — $ 1,479 Maturity extension at lower stated rate than market rate 329 — 329 Credit extension at lower stated rate than market rate 381 — 381 Nonowner-occupied Credit extension at lower stated rate than market rate 389 — 389 Commercial and industrial: Interest only payments 3,035 — 3,035 Total TDRs $ 5,613 $ — $ 5,613 December 31 , 2020 TDRs Performing to Modified Terms TDRs Not Performing to Modified Terms Total TDRs Residential real estate: Interest only payments $ 202 $ — $ 202 Commercial real estate: Owner-occupied Reduction of principal and interest payments 1,486 — 1,486 Maturity extension at lower stated rate than market rate 351 — 351 Credit extension at lower stated rate than market rate 384 — 384 Nonowner-occupied Credit extension at lower stated rate than market rate 390 — 390 Commercial and industrial: Interest only payments 4,400 — 4,400 Total TDRs $ 7,213 $ — $ 7,213
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 March 31, 2021 and December 31, 2020, and based on the most recent analysis performed, the risk category of commercial loans by class of loans was as follows: March 31 , 2021 Pass Criticized Classified Total Commercial real estate: Owner-occupied $ 48,758 $ 655 $ 4,815 $ 54,228 Nonowner-occupied 155,258 3,635 369 159,262 Construction 37,574 — 82 37,656 Commercial and industrial 154,244 2,012 3,460 159,716 Total $ 395,834 $ 6,302 $ 8,726 $ 410,862 December 31 , 2020 Pass Criticized Classified Total Commercial real estate: Owner-occupied $ 46,604 $ 669 $ 4,590 $ 51,863 Nonowner-occupied 160,324 3,629 570 164,523 Construction 37,063 — — 37,063 Commercial and industrial 150,786 2,064 4,842 157,692 Total $ 394,777 $ 6,362 $ 10,002 $ 411,141
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 March 31, 2021 and December 31, 2020: March 31 , 2021 Consumer Residential Automobile Home Equity Other Real Estate Total Performing $ 53,361 $ 20,448 $ 55,450 $ 285,720 $ 414,979 Nonperforming 114 160 68 4,867 5,209 Total $ 53,475 $ 20,608 $ 55,518 $ 290,587 $ 420,188 December 31 , 2020 Consumer Residential Automobile Home Equity Other Real Estate Total Performing $ 54,966 $ 19,783 $ 56,639 $ 300,095 $ 431,483 Nonperforming 275 210 172 5,383 6,040 Total $ 55,241 $ 19,993 $ 56,811 $ 305,478 $ 437,523

OTHER BORROWED FUNDS (Tables)

OTHER BORROWED FUNDS (Tables)	3 Months Ended
	Mar. 31, 2021
OTHER BORROWED FUNDS [Abstract]
Schedule of Federal Home Loan Bank, Advances, by Branch of FHLB Bank	Other borrowed funds at March 31, 2021 and December 31, 2020 are comprised of advances from the Federal Home Loan Bank (“FHLB”) of Cincinnati and promissory notes. FHLB Borrowings Promissory Notes Totals March 31, 2021 $ 23,493 $ 3,198 $ 26,691 December 31, 2020 $ 24,665 $ 3,198 $ 27,863
Schedule of Maturities of Long-term Debt	Scheduled principal payments as of March 31, 2021: FHLB Borrowings Promissory Notes Totals 2021 $ 1,962 $ 3,198 $ 5,160 2022 2,683 — 2,683 2023 2,542 — 2,542 2024 2,173 — 2,173 2025 1,897 — 1,897 Thereafter 12,236 — 12,236 $ 23,493 $ 3,198 $ 26,691

SEGMENT INFORMATION (Tables)

SEGMENT INFORMATION (Tables)	3 Months Ended
	Mar. 31, 2021
SEGMENT INFORMATION [Abstract]
Segment Information	Information for the Company’s reportable segments is as follows: Three months ended March 31, 2021 Banking Consumer Finance Total Company Net interest income $ 9,554 $ 494 $ 10,048 Provision expense (50 ) (2 ) (52 ) Noninterest income 2,508 831 3,339 Noninterest expense 8,497 690 9,187 Tax expense 588 133 721 Net income 3,027 504 3,531 Assets 1,212,129 13,055 1,225,184 Three months ended March 31, 2020 Banking Consumer Finance Total Company Net interest income $ 9,471 $ 533 $ 10,004 Provision expense 3,845 1 3,846 Noninterest income 3,487 955 4,442 Noninterest expense 8,766 753 9,519 Tax expense (75 ) 154 79 Net income 422 580 1,002 Assets 1,024,169 11,672 1,035,841

LEASES (Tables)

LEASES (Tables)	3 Months Ended
	Mar. 31, 2021
LEASES [Abstract]
Balance Sheet Information	Balance sheet information related to leases was as follows: As of March 31, 2021 As of December 31, 2020 Operating leases: Operating lease right-of-use assets $ 1,133 $ 880 Operating lease liabilities 1,133 880
Components of Lease Cost	The components of lease cost were as follows: Three months ended March 31, 2021 2020 Operating lease cost $ 39 $ 54 Short-term lease expense 8 8
Maturities of Lease Liabilities	Future undiscounted lease payments for operating leases with initial terms of one year or more as of March 31, 2021 are as follows: Operating Leases 2021 (remaining) $ 118 2022 157 2023 116 2024 95 2025 95 Thereafter 805 Total lease payments 1,386 Less: Imputed Interest (253 ) Total operating leases $ 1,133
Other Information	Other information was as follows: As of March 31, 2021 As of December 31, 2020 Weighted-average remaining lease term for operating leases 12.7 years 9.6 years Weighted-average discount rate for operating leases 2.38 % 2.79 %

SUMMARY OF SIGNIFICANT ACCOUN_3

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Details) $ in Thousands	3 Months Ended
	Mar. 31, 2021USD ($)Segmentshares	Mar. 31, 2020shares	Dec. 31, 2020USD ($)
INDUSTRY SEGMENT INFORMATION [Abstract]
Number of reported lines of business | Segment	2
LOANS [Abstract]
Loans held for sale | $	$ 275		$ 70
EARNINGS PER SHARE [Abstract]
Number of weighted average common shares outstanding (in shares) | shares	4,787,446	4,787,446

FAIR VALUE OF FINANCIAL INSTR_3

FAIR VALUE OF FINANCIAL INSTRUMENTS, Assets and Liabilities Measured on Recurring Basis (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2021	Dec. 31, 2020	Mar. 31, 2020
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 Securities [Member]
Fair Value, Asset and Liabilities [Abstract]
Assets, fair value	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	765	928
Liabilities, fair value	(765)	(928)
Recurring [Member] | Significant Other Observable (Level 2) [Member] | U.S. Government Securities [Member]
Fair Value, Asset and Liabilities [Abstract]
Assets, fair value	5,166
Recurring [Member] | Significant Other Observable (Level 2) [Member] | U.S. Government Sponsored Entity Securities [Member]
Fair Value, Asset and Liabilities [Abstract]
Assets, fair value	22,822	18,153
Recurring [Member] | Significant Other Observable (Level 2) [Member] | Agency Mortgage-backed Securities, Residential [Member]
Fair Value, Asset and Liabilities [Abstract]
Assets, fair value	98,406	94,169
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 Securities [Member]
Fair Value, Asset and Liabilities [Abstract]
Assets, fair value	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	Mar. 31, 2021	Dec. 31, 2020
Fair Value, Asset and Liabilities [Abstract]
Assets, fair value		$ 0
Liabilities, 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	2,097
Significant Unobservable Inputs (Level 3) [Member] | Impaired Loans [Member] | Commercial and Industrial [Member]
Fair Value, Asset and Liabilities [Abstract]
Assets, fair value	$ 244

FAIR VALUE OF FINANCIAL INSTR_5

FAIR VALUE OF FINANCIAL INSTRUMENTS, Quantitative Information about Level 3 Inputs (Details) $ in Thousands	3 Months Ended		12 Months Ended
	Mar. 31, 2021USD ($)	Mar. 31, 2020USD ($)	Dec. 31, 2020USD ($)
Impaired loans measurement [Abstract]
Impaired financing receivable, with related allowance, recorded investment	$ 2,431		$ 0
Collateral dependent loans, valuation allowance	90
Impaired financing receivable, related allowance	90		0
Financing receivable, provision expense	854		0
Financing receivable, charge-offs	0
Other real estate	0		$ 0
Other real estate, write-down	0	$ 0
Commercial Real Estate [Member] | Owner Occupied [Member]
Impaired loans measurement [Abstract]
Impaired financing receivable, with related allowance, recorded investment	2,105
Impaired financing receivable, related allowance	8
Commercial and Industrial [Member]
Impaired loans measurement [Abstract]
Impaired financing receivable, with related allowance, recorded investment	276
Impaired financing receivable, related allowance	32
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	$ 2,097
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	0.05
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	0.35
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	0.208
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	$ 944
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	0.20
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	0.33
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	0.234

FAIR VALUE OF FINANCIAL INSTR_6

FAIR VALUE OF FINANCIAL INSTRUMENTS, Carrying Amounts and Estimated Fair Values of Financial Instruments (Details) - USD ($) $ in Thousands	Mar. 31, 2021	Dec. 31, 2020
Carrying Amount [Member]
Financial Assets [Abstract]
Cash and cash equivalents	$ 176,420	$ 138,303
Certificates of deposit in financial institutions	2,255	2,500
Securities available for sale	126,394	112,322
Securities held to maturity	11,137	10,020
Loans, net	824,163	841,504
Interest rate swap derivatives	765	928
Accrued interest receivable	3,257	3,319
Financial Liabilities [Abstract]
Deposits	1,032,628	993,739
Other borrowed funds	26,691	27,863
Subordinated debentures	8,500	8,500
Interest rate swap derivatives	765	928
Accrued interest payable	882	1,100
Estimated Fair Value [Member]
Financial Assets [Abstract]
Cash and cash equivalents	176,420	138,303
Certificates of deposit in financial institutions	2,255	2,500
Securities available for sale	126,394	112,322
Securities held to maturity	11,376	10,344
Loans, net	821,177	837,387
Interest rate swap derivatives	765	928
Accrued interest receivable	3,257	3,319
Financial Liabilities [Abstract]
Deposits	1,034,056	995,681
Other borrowed funds	27,925	29,807
Subordinated debentures	5,548	5,556
Interest rate swap derivatives	765	928
Accrued interest payable	882	1,100
Estimated Fair Value [Member] | Level 1 [Member]
Financial Assets [Abstract]
Cash and cash equivalents	176,420	138,303
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	327,976	314,777
Other borrowed funds	0	0
Subordinated debentures	0	0
Interest rate swap derivatives	0	0
Accrued interest payable	1	1
Estimated Fair Value [Member] | Level 2 [Member]
Financial Assets [Abstract]
Cash and cash equivalents	0	0
Certificates of deposit in financial institutions	2,255	2,500
Securities available for sale	126,394	112,322
Securities held to maturity	6,270	4,989
Loans, net	0	0
Interest rate swap derivatives	765	928
Accrued interest receivable	343	283
Financial Liabilities [Abstract]
Deposits	706,080	680,904
Other borrowed funds	27,925	29,807
Subordinated debentures	5,548	5,556
Interest rate swap derivatives	765	928
Accrued interest payable	881	1,099
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	5,106	5,355
Loans, net	821,177	837,387
Interest rate swap derivatives	0	0
Accrued interest receivable	2,914	3,036
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	Mar. 31, 2021	Dec. 31, 2020
Available-for-sale Investment Securities [Abstract]
Amortized Cost	$ 124,715	$ 109,239
Gross Unrealized Gains	2,391	3,087
Gross Unrealized Losses	(712)	(4)
Estimated Fair Value	126,394	112,322
U.S. Government Securities [Member]
Available-for-sale Investment Securities [Abstract]
Amortized Cost	5,173
Gross Unrealized Gains	0
Gross Unrealized Losses	(7)
Estimated Fair Value	5,166
US Government-sponsored Entity Securities [Member]
Available-for-sale Investment Securities [Abstract]
Amortized Cost	22,808	17,814
Gross Unrealized Gains	241	339
Gross Unrealized Losses	(227)	0
Estimated Fair Value	22,822	18,153
Agency Mortgage-backed Securities, Residential [Member]
Available-for-sale Investment Securities [Abstract]
Amortized Cost	96,734	91,425
Gross Unrealized Gains	2,150	2,748
Gross Unrealized Losses	(478)	(4)
Estimated Fair Value	$ 98,406	$ 94,169

SECURITIES, Amortized Cost an_2

SECURITIES, Amortized Cost and Fair Value of Securities Held-to-maturity (Details) - USD ($) $ in Thousands	Mar. 31, 2021	Dec. 31, 2020
Debt Securities, Held-to-maturity, Maturity, Amortized Cost [Abstract]
Amortized Cost	$ 11,137	$ 10,020
Gross Unrealized Gains	275	324
Gross Unrecognized Losses	(36)	0
Estimated Fair Value	11,376	10,344
Obligations of States and Political Subdivisions [Member]
Debt Securities, Held-to-maturity, Maturity, Amortized Cost [Abstract]
Amortized Cost	11,135	10,018
Gross Unrealized Gains	275	324
Gross Unrecognized Losses	(36)	0
Estimated Fair Value	11,374	10,342
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	Mar. 31, 2021	Dec. 31, 2020
Amortized cost of Available-for-sale Securities by Contractual Maturity [Abstract]
Due in one year or less	$ 0
Due in over one to five years	10,308
Due in over five to ten years	17,673
Due after ten years	0
Amortized Cost	124,715	$ 109,239
Fair Value of Available-for-sale Securities by Contractual Maturity [Abstract]
Due in one year or less	0
Due in over one to five years	10,507
Due in over five to ten years	17,481
Due after ten years	0
Estimated Fair Value	126,394	112,322
Debt Securities, Held-to-maturity, Maturity, Amortized Cost, Net [Abstract]
Due in one year or less	2,422
Due in over one to five years	3,492
Due in over five to ten years	4,894
Due after ten years	327
Amortized Cost	11,137	10,020
Debt Securities, Held-to-maturity, Maturity, Fair Value [Abstract]
Due in one year or less	2,467
Due in over one to five years	3,609
Due in over five to ten years	4,981
Due after ten years	317
Estimated Fair Value	11,376	10,344
Agency Mortgage-backed Securities, Residential [Member]
Amortized cost of Available-for-sale Securities by Contractual Maturity [Abstract]
Agency mortgage-backed securities, residential	96,734
Amortized Cost	96,734	91,425
Fair Value of Available-for-sale Securities by Contractual Maturity [Abstract]
Agency mortgage-backed securities, residential	98,406
Estimated Fair Value	98,406	94,169
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	Mar. 31, 2021	Dec. 31, 2020
Available-for-sale Securities with Continuous Unrealized Loss Position, Fair Value [Abstract]
Less than 12 Months - Fair Value	$ 53,578	$ 14,517
12 Months or More - Fair Value	0	0
Fair Value	53,578	14,517
Available-for-sale Securities with Continuous Unrealized Loss Position, Unrealized Loss [Abstract]
Less than 12 Months - Unrealized Loss	(712)	(4)
12 Months or More - Unrealized Loss	0	0
Unrealized Loss	(712)	(4)
U.S. Government Securities [Member]
Available-for-sale Securities with Continuous Unrealized Loss Position, Fair Value [Abstract]
Less than 12 Months - Fair Value	5,166
12 Months or More - Fair Value	0
Fair Value	5,166
Available-for-sale Securities with Continuous Unrealized Loss Position, Unrealized Loss [Abstract]
Less than 12 Months - Unrealized Loss	(7)
12 Months or More - Unrealized Loss	0
Unrealized Loss	(7)
US Government-sponsored Entity Securities [Member]
Available-for-sale Securities with Continuous Unrealized Loss Position, Fair Value [Abstract]
Less than 12 Months - Fair Value	14,771
12 Months or More - Fair Value	0
Fair Value	14,771
Available-for-sale Securities with Continuous Unrealized Loss Position, Unrealized Loss [Abstract]
Less than 12 Months - Unrealized Loss	(227)
12 Months or More - Unrealized Loss	0
Unrealized Loss	(227)
Agency Mortgage-backed Securities, Residential [Member]
Available-for-sale Securities with Continuous Unrealized Loss Position, Fair Value [Abstract]
Less than 12 Months - Fair Value	33,641	14,517
12 Months or More - Fair Value	0	0
Fair Value	33,641	14,517
Available-for-sale Securities with Continuous Unrealized Loss Position, Unrealized Loss [Abstract]
Less than 12 Months - Unrealized Loss	(478)	(4)
12 Months or More - Unrealized Loss	0	0
Unrealized Loss	$ (478)	$ (4)

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		12 Months Ended
	Mar. 31, 2021	Mar. 31, 2020	Dec. 31, 2020
Held-to-maturity Securities with Continuous Unrealized Loss Position, Fair Value [Abstract]
Less Than 12 Months - Fair Value			$ 2,023
12 Months or More - Fair Value			0
Fair Value			2,023
Held-to-maturity Securities with Unrealized Loss Position, Unrealized Loss [Abstract]
Less Than 12 Months - Unrecognized Loss			(36)
12 Months or More - Unrecognized Loss			0
Unrecognized Loss			(36)
Unrealized Losses and Other-than-temporary Impairment [Abstract]
Proceeds from sale of investment securities	$ 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			2,023
12 Months or More - Fair Value			0
Fair Value			2,023
Held-to-maturity Securities with Unrealized Loss Position, Unrealized Loss [Abstract]
Less Than 12 Months - Unrecognized Loss			(36)
12 Months or More - Unrecognized Loss			0
Unrecognized Loss			$ (36)

LOANS AND ALLOWANCE FOR LOAN _3

LOANS AND ALLOWANCE FOR LOAN LOSSES, Loans (Details) - USD ($) $ in Thousands	Mar. 31, 2021	Dec. 31, 2020	Mar. 31, 2020	Dec. 31, 2019
Loans [Abstract]
Total loans	$ 831,050	$ 848,664
Less: Allowance for loan losses	(6,887)	(7,160)	$ (8,729)	$ (6,272)
Net loans	824,163	841,504
Residential Real Estate [Member]
Loans [Abstract]
Total loans	290,587	305,478
Less: Allowance for loan losses	(1,377)	(1,480)	(2,002)	(1,250)
Commercial Real Estate [Member]
Loans [Abstract]
Total loans	251,146	253,449
Less: Allowance for loan losses	(2,346)	(2,431)	(3,028)	(1,928)
Commercial Real Estate [Member] | Owner-occupied [Member]
Loans [Abstract]
Total loans	54,228	51,863
Commercial Real Estate [Member] | Nonowner-occupied [Member]
Loans [Abstract]
Total loans	159,262	164,523
Commercial Real Estate [Member] | Construction [Member]
Loans [Abstract]
Total loans	37,656	37,063
Commercial and Industrial [Member]
Loans [Abstract]
Total loans	159,716	157,692
Less: Allowance for loan losses	(1,791)	(1,776)	(2,045)	(1,447)
Commercial and Industrial [Member] | PPP [Member]
Loans [Abstract]
Total loans	25,829
Consumer [Member]
Loans [Abstract]
Total loans	129,601	132,045
Less: Allowance for loan losses	(1,373)	(1,473)	$ (1,654)	$ (1,647)
Consumer [Member] | Automobile [Member]
Loans [Abstract]
Total loans	53,475	55,241
Consumer [Member] | Home Equity [Member]
Loans [Abstract]
Total loans	20,608	19,993
Consumer [Member] | Other [Member]
Loans [Abstract]
Total loans	$ 55,518	$ 56,811

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
	Mar. 31, 2021	Mar. 31, 2020
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance	$ 7,160	$ 6,272
Provision for loan losses	(52)	3,846
Loans charged-off	(441)	(1,636)
Recoveries	220	247
Ending balance	6,887	8,729
Residential Real Estate [Member]
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance	1,480	1,250
Provision for loan losses	(116)	926
Loans charged-off	(1)	(198)
Recoveries	14	24
Ending balance	1,377	2,002
Commercial Real Estate [Member]
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance	2,431	1,928
Provision for loan losses	(102)	1,572
Loans charged-off	(10)	(516)
Recoveries	27	44
Ending balance	2,346	3,028
Commercial and Industrial [Member]
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance	1,776	1,447
Provision for loan losses	52	624
Loans charged-off	(71)	(33)
Recoveries	34	7
Ending balance	1,791	2,045
Consumer [Member]
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance	1,473	1,647
Provision for loan losses	114	724
Loans charged-off	(359)	(889)
Recoveries	145	172
Ending balance	$ 1,373	$ 1,654

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	Mar. 31, 2021	Dec. 31, 2020	Mar. 31, 2020	Dec. 31, 2019
Ending allowance balance attributable to loans [Abstract]
Individually evaluated for impairment	$ 90	$ 0
Collectively evaluated for impairment	6,797	7,160
Total ending allowance balance	6,887	7,160	$ 8,729	$ 6,272
Loans [Abstract]
Loans individually evaluated for impairment	9,205	11,026
Loans collectively evaluated for impairment	821,845	837,638
Total ending loans balance	831,050	848,664
Residential Real Estate [Member]
Ending allowance balance attributable to loans [Abstract]
Individually evaluated for impairment	0	0
Collectively evaluated for impairment	1,377	1,480
Total ending allowance balance	1,377	1,480	2,002	1,250
Loans [Abstract]
Loans individually evaluated for impairment	205	411
Loans collectively evaluated for impairment	290,382	305,067
Total ending loans balance	290,587	305,478
Commercial Real Estate [Member]
Ending allowance balance attributable to loans [Abstract]
Individually evaluated for impairment	8	0
Collectively evaluated for impairment	2,338	2,431
Total ending allowance balance	2,346	2,431	3,028	1,928
Loans [Abstract]
Loans individually evaluated for impairment	5,606	5,845
Loans collectively evaluated for impairment	245,540	247,604
Total ending loans balance	251,146	253,449
Commercial and Industrial [Member]
Ending allowance balance attributable to loans [Abstract]
Individually evaluated for impairment	32	0
Collectively evaluated for impairment	1,759	1,776
Total ending allowance balance	1,791	1,776	2,045	1,447
Loans [Abstract]
Loans individually evaluated for impairment	3,311	4,686
Loans collectively evaluated for impairment	156,405	153,006
Total ending loans balance	159,716	157,692
Consumer [Member]
Ending allowance balance attributable to loans [Abstract]
Individually evaluated for impairment	50	0
Collectively evaluated for impairment	1,323	1,473
Total ending allowance balance	1,373	1,473	$ 1,654	$ 1,647
Loans [Abstract]
Loans individually evaluated for impairment	83	84
Loans collectively evaluated for impairment	129,518	131,961
Total ending loans balance	$ 129,601	$ 132,045

LOANS AND ALLOWANCE FOR LOAN _6

LOANS AND ALLOWANCE FOR LOAN LOSSES, Impaired Loans (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2021	Mar. 31, 2020	Dec. 31, 2020
With an allowance recorded [Abstract]
Recorded investment	$ 2,431		$ 0
Total [Abstract]
Unpaid principal balance	9,215		11,076
Recorded investment	9,205		11,026
Allowance for Loan Losses Allocated	90		0
Impaired loans [Abstract]
Average impaired loans	9,915	$ 10,370
Interest income recognized	140	150
Cash basis interest recognized	140	150
Residential Real Estate [Member]
With no related allowance recorded [Abstract]
Unpaid principal balance	215		418
Recorded investment	205		411
Impaired loans [Abstract]
Average impaired loans - with no allowance recorded	207	433
Interest income recognized - with no allowance recorded	3	4
Cash basis interest recognized - with no allowance recorded	3	4
Commercial Real Estate [Member] | Owner-occupied [Member]
With an allowance recorded [Abstract]
Unpaid principal balance	2,105
Recorded investment	2,105
With no related allowance recorded [Abstract]
Unpaid principal balance	3,112		5,256
Recorded investment	3,112		5,256
Total [Abstract]
Allowance for Loan Losses Allocated	8
Impaired loans [Abstract]
Average impaired loans - with an allowance recorded	2,109	875
Interest income recognized - with an allowance recorded	43	9
Cash basis interest recognized - with an allowance recorded	43	9
Average impaired loans - with no allowance recorded	3,128	2,754
Interest income recognized - with no allowance recorded	34	48
Cash basis interest recognized - with no allowance recorded	34	48
Commercial Real Estate [Member] | Nonowner-occupied [Member]
With no related allowance recorded [Abstract]
Unpaid principal balance	389		632
Recorded investment	389		589
Impaired loans [Abstract]
Average impaired loans - with no allowance recorded	389	1,033
Interest income recognized - with no allowance recorded	7	11
Cash basis interest recognized - with no allowance recorded	7	11
Commercial and Industrial [Member]
With an allowance recorded [Abstract]
Unpaid principal balance	276
Recorded investment	276
With no related allowance recorded [Abstract]
Unpaid principal balance	3,035		4,686
Recorded investment	3,035		4,686
Total [Abstract]
Allowance for Loan Losses Allocated	32
Impaired loans [Abstract]
Average impaired loans - with an allowance recorded	281	611
Interest income recognized - with an allowance recorded	4	7
Cash basis interest recognized - with an allowance recorded	4	7
Average impaired loans - with no allowance recorded	3,718	4,279
Interest income recognized - with no allowance recorded	47	66
Cash basis interest recognized - with no allowance recorded	47	66
Consumer [Member] | Home Equity [Member]
With no related allowance recorded [Abstract]
Unpaid principal balance	33		34
Recorded investment	33		34
Impaired loans [Abstract]
Average impaired loans - with no allowance recorded	33	385
Interest income recognized - with no allowance recorded	1	5
Cash basis interest recognized - with no allowance recorded	1	$ 5
Consumer [Member] | Other [Member]
With an allowance recorded [Abstract]
Unpaid principal balance	50
Recorded investment	50
With no related allowance recorded [Abstract]
Unpaid principal balance			50
Recorded investment			$ 50
Total [Abstract]
Allowance for Loan Losses Allocated	50
Impaired loans [Abstract]
Average impaired loans - with an allowance recorded	50
Interest income recognized - with an allowance recorded	1
Cash basis interest recognized - with an allowance recorded	$ 1

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	Mar. 31, 2021	Dec. 31, 2020
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	$ 140	$ 424
Nonaccrual	5,990	6,503
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	43
Mortgage loans in process of foreclosure	693	1,097
Loans past due 90 days and still accruing	39	127
Nonaccrual	4,828	5,256
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	0	0
Nonaccrual	457	205
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	162	362
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	153	156
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	0	15
Nonaccrual	149	149
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	59	146
Nonaccrual	55	129
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	160	210
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	42	136
Nonaccrual	$ 26	$ 36

LOANS AND ALLOWANCE FOR LOAN _8

LOANS AND ALLOWANCE FOR LOAN LOSSES, Past Due Loans (Details) - USD ($) $ in Thousands	Mar. 31, 2021	Dec. 31, 2020
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total past due	$ 9,163	$ 10,807
Loans not past due	821,887	837,857
Total ending loans balance	831,050	848,664
Residential Real Estate [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total past due	3,594	5,004
Loans not past due	286,993	300,474
Total ending loans balance	290,587	305,478
Commercial Real Estate [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total ending loans balance	251,146	253,449
Commercial Real Estate [Member] | Owner-occupied [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total past due	1,660	1,666
Loans not past due	52,568	50,197
Total ending loans balance	54,228	51,863
Commercial Real Estate [Member] | Nonowner-occupied [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total past due	2,260	456
Loans not past due	157,002	164,067
Total ending loans balance	159,262	164,523
Commercial Real Estate [Member] | Construction [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total past due	111	82
Loans not past due	37,545	36,981
Total ending loans balance	37,656	37,063
Commercial and Industrial [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total past due	289	1,287
Loans not past due	159,427	156,405
Total ending loans balance	159,716	157,692
Consumer [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total ending loans balance	129,601	132,045
Consumer [Member] | Automobile [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total past due	630	1,220
Loans not past due	52,845	54,021
Total ending loans balance	53,475	55,241
Consumer [Member] | Home Equity [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total past due	326	398
Loans not past due	20,282	19,595
Total ending loans balance	20,608	19,993
Consumer [Member] | Other [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total past due	293	694
Loans not past due	55,225	56,117
Total ending loans balance	55,518	56,811
30 to 59 Days Past Due [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total past due	5,326	6,002
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	2,123	2,845
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	292	470
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	2,098	94
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	0	0
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	140	1,112
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	451	831
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	61	204
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	161	446
60 to 89 Days Past Due [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total past due	1,736	1,880
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	506	496
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	923	1,003
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	29	82
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	11
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	80	131
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	127	81
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	71	76
90 Days or More Past Due [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total past due	2,101	2,925
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	965	1,663
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	445	193
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	162	362
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	82	0
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	149	164
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	99	258
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	138	113
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	$ 61	$ 172

LOANS AND ALLOWANCE FOR LOAN _9

LOANS AND ALLOWANCE FOR LOAN LOSSES, TDR Loan Modifications (Details) - USD ($) $ in Thousands	Mar. 31, 2021	Dec. 31, 2020
Troubled Debt Restructuring Loan Modifications [Abstract]
Troubled Debt Restructuring	$ 5,613	$ 7,213
Specific allocations in reserves to customers	0	0
Commitments to lend additional amounts to customers	2,465	1,100
Residential Real Estate [Member] | Interest Only Payments [Member]
Troubled Debt Restructuring Loan Modifications [Abstract]
Troubled Debt Restructuring		202
Commercial Real Estate [Member] | Owner-occupied [Member] | Reduction of Principal and Interest Payments [Member]
Troubled Debt Restructuring Loan Modifications [Abstract]
Troubled Debt Restructuring	1,479	1,486
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	329	351
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	381	384
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	389	390
Commercial and Industrial [Member] | Interest Only Payments [Member]
Troubled Debt Restructuring Loan Modifications [Abstract]
Troubled Debt Restructuring	3,035	4,400
Performing to Modified Terms [Member]
Troubled Debt Restructuring Loan Modifications [Abstract]
Troubled Debt Restructuring	5,613	7,213
Performing to Modified Terms [Member] | Residential Real Estate [Member] | Interest Only Payments [Member]
Troubled Debt Restructuring Loan Modifications [Abstract]
Troubled Debt Restructuring		202
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	1,479	1,486
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	329	351
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	381	384
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	389	390
Performing to Modified Terms [Member] | Commercial and Industrial [Member] | Interest Only Payments [Member]
Troubled Debt Restructuring Loan Modifications [Abstract]
Troubled Debt Restructuring	3,035	4,400
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
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

LOANS AND ALLOWANCE FOR LOAN_10

LOANS AND ALLOWANCE FOR LOAN LOSSES, TDRs Pre-modification and Post-modification (Details) $ in Thousands	3 Months Ended
	Mar. 31, 2021USD ($)Loan	Mar. 31, 2020Loan	Dec. 31, 2020USD ($)
Troubled Debt Restructuring Loan Modifications [Abstract]
Number of Loans | Loan	0	0
Number of TDRs occurred | Loan	0	0
Aggregate loan balances | $	$ 824,163		$ 841,504
CARES Act [Member]
Troubled Debt Restructuring Loan Modifications [Abstract]
Total number of loans modified related to COVID 19 | Loan	783
Total Loans Modified, Non-trouble Debt Restructuring | $	$ 147,985
Number of remaining loans modified related to COVID 19 | Loan	56
Aggregate loan balances | $	$ 2,395
Aggregate loan amount that are reviewed risk categories | $	$ 750

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	Mar. 31, 2021	Dec. 31, 2020
Loans Receivable [Abstract]
Loans receivable	$ 831,050	$ 848,664
Commercial Real Estate [Member]
Loans Receivable [Abstract]
Loans receivable	251,146	253,449
Commercial Real Estate [Member] | Owner-occupied [Member]
Loans Receivable [Abstract]
Loans receivable	54,228	51,863
Commercial Real Estate [Member] | Nonowner-occupied [Member]
Loans Receivable [Abstract]
Loans receivable	159,262	164,523
Commercial Real Estate [Member] | Construction [Member]
Loans Receivable [Abstract]
Loans receivable	37,656	37,063
Commercial and Industrial [Member]
Loans Receivable [Abstract]
Loans receivable	159,716	157,692
Commercial [Member]
Loans Receivable [Abstract]
Loans receivable	410,862	411,141
Pass [Member] | Commercial Real Estate [Member] | Owner-occupied [Member]
Loans Receivable [Abstract]
Loans receivable	48,758	46,604
Pass [Member] | Commercial Real Estate [Member] | Nonowner-occupied [Member]
Loans Receivable [Abstract]
Loans receivable	155,258	160,324
Pass [Member] | Commercial Real Estate [Member] | Construction [Member]
Loans Receivable [Abstract]
Loans receivable	37,574	37,063
Pass [Member] | Commercial and Industrial [Member]
Loans Receivable [Abstract]
Loans receivable	154,244	150,786
Pass [Member] | Commercial [Member]
Loans Receivable [Abstract]
Loans receivable	395,834	394,777
Criticized [Member] | Commercial Real Estate [Member] | Owner-occupied [Member]
Loans Receivable [Abstract]
Loans receivable	655	669
Criticized [Member] | Commercial Real Estate [Member] | Nonowner-occupied [Member]
Loans Receivable [Abstract]
Loans receivable	3,635	3,629
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	2,012	2,064
Criticized [Member] | Commercial [Member]
Loans Receivable [Abstract]
Loans receivable	6,302	6,362
Classified [Member] | Commercial Real Estate [Member] | Owner-occupied [Member]
Loans Receivable [Abstract]
Loans receivable	4,815	4,590
Classified [Member] | Commercial Real Estate [Member] | Nonowner-occupied [Member]
Loans Receivable [Abstract]
Loans receivable	369	570
Classified [Member] | Commercial Real Estate [Member] | Construction [Member]
Loans Receivable [Abstract]
Loans receivable	82	0
Classified [Member] | Commercial and Industrial [Member]
Loans Receivable [Abstract]
Loans receivable	3,460	4,842
Classified [Member] | Commercial [Member]
Loans Receivable [Abstract]
Loans receivable	$ 8,726	$ 10,002

LOANS AND ALLOWANCE FOR LOAN_12

LOANS AND ALLOWANCE FOR LOAN LOSSES, Recorded Investment of Residential and Consumer Loans (Details) - USD ($) $ in Thousands	Mar. 31, 2021	Dec. 31, 2020
Loans Receivable [Abstract]
Loans receivable	$ 831,050	$ 848,664
Percentage of unsecured loans	4.04%	4.22%
Consumer [Member]
Loans Receivable [Abstract]
Loans receivable	$ 129,601	$ 132,045
Consumer [Member] | Automobile [Member]
Loans Receivable [Abstract]
Loans receivable	53,475	55,241
Consumer [Member] | Home Equity [Member]
Loans Receivable [Abstract]
Loans receivable	20,608	19,993
Consumer [Member] | Other [Member]
Loans Receivable [Abstract]
Loans receivable	55,518	56,811
Residential Real Estate [Member]
Loans Receivable [Abstract]
Loans receivable	290,587	305,478
Consumer and Residential [Member]
Loans Receivable [Abstract]
Loans receivable	420,188	437,523
Performing [Member] | Consumer [Member] | Automobile [Member]
Loans Receivable [Abstract]
Loans receivable	53,361	54,966
Performing [Member] | Consumer [Member] | Home Equity [Member]
Loans Receivable [Abstract]
Loans receivable	20,448	19,783
Performing [Member] | Consumer [Member] | Other [Member]
Loans Receivable [Abstract]
Loans receivable	55,450	56,639
Performing [Member] | Residential Real Estate [Member]
Loans Receivable [Abstract]
Loans receivable	285,720	300,095
Performing [Member] | Consumer and Residential [Member]
Loans Receivable [Abstract]
Loans receivable	414,979	431,483
Nonperforming [Member] | Consumer [Member] | Automobile [Member]
Loans Receivable [Abstract]
Loans receivable	114	275
Nonperforming [Member] | Consumer [Member] | Home Equity [Member]
Loans Receivable [Abstract]
Loans receivable	160	210
Nonperforming [Member] | Consumer [Member] | Other [Member]
Loans Receivable [Abstract]
Loans receivable	68	172
Nonperforming [Member] | Residential Real Estate [Member]
Loans Receivable [Abstract]
Loans receivable	4,867	5,383
Nonperforming [Member] | Consumer and Residential [Member]
Loans Receivable [Abstract]
Loans receivable	$ 5,209	$ 6,040

FINANCIAL INSTRUMENTS WITH OF_2

FINANCIAL INSTRUMENTS WITH OFF-BALANCE SHEET RISK (Details) - USD ($) $ in Thousands	3 Months Ended	12 Months Ended
	Mar. 31, 2021	Dec. 31, 2020
FINANCIAL INSTRUMENTS WITH OFF-BALANCE SHEET RISK [Abstract]
Contract amounts	$ 86,859	$ 88,456

OTHER BORROWED FUNDS (Details)

OTHER BORROWED FUNDS (Details) $ in Thousands	3 Months Ended	12 Months Ended
	Mar. 31, 2021USD ($)Promissorynote	Dec. 31, 2020USD ($)Promissorynote
Other Borrowed Funds [Abstract]
Other borrowed funds	$ 26,691	$ 27,863
FHLB Advances - variable rate loans	0
Cash management advances, maximum borrowing amount	$ 100,000
Cash management advances, maturity period	90 days
Cash management advances, available borrowing amount	$ 92,178
Number of promissory notes payable to related parties | Promissorynote	6	6
Scheduled Repayments of FHLB Advances [Abstract]
2021	$ 5,160
2022	2,683
2023	2,542
2024	2,173
2025	1,897
Thereafter	12,236
Other borrowings	$ 26,691	$ 27,863
Minimum [Member]
Other Borrowed Funds [Abstract]
Fixed-rate FHLB advances interest rate	1.53%
Maximum [Member]
Other Borrowed Funds [Abstract]
Fixed-rate FHLB advances interest rate	3.31%
Weighted Average [Member]
Other Borrowed Funds [Abstract]
Fixed-rate FHLB advances interest rate	2.43%	2.40%
Mortgage Loans [Member]
Other Borrowed Funds [Abstract]
Collateral pledged for FHLB Advances	$ 282,889
Commercial Loans [Member]
Other Borrowed Funds [Abstract]
Collateral pledged for FHLB Advances	55,701
FHLB Stock [Member]
Other Borrowed Funds [Abstract]
Collateral pledged for FHLB Advances	5,365
Cash management advances, maximum borrowing amount	188,666
Cash management advances, available borrowing amount	92,178
FHLB Borrowings [Member]
Other Borrowed Funds [Abstract]
Other borrowed funds	23,493	$ 24,665
Scheduled Repayments of FHLB Advances [Abstract]
2021	1,962
2022	2,683
2023	2,542
2024	2,173
2025	1,897
Thereafter	12,236
Other borrowings	23,493	24,665
Promissory Notes [Member]
Other Borrowed Funds [Abstract]
Other borrowed funds	$ 3,198	3,198
Maturity date of promissory notes issued	Dec. 9, 2021
Notes payable to related parties	$ 3,198	3,198
Notes payable to other banks	0	0
Scheduled Repayments of FHLB Advances [Abstract]
2021	3,198
2022	0
2023	0
2024	0
2025	0
Thereafter	0
Other borrowings	$ 3,198	$ 3,198
Promissory Notes [Member] | Minimum [Member]
Other Borrowed Funds [Abstract]
Interest rate	1.00%
Promissory Notes [Member] | Maximum [Member]
Other Borrowed Funds [Abstract]
Interest rate	2.85%
Promissory Notes [Member] | Weighted Average [Member]
Other Borrowed Funds [Abstract]
Interest rate	1.41%	2.20%
FHLB Line of Credit [Member]
Other Borrowed Funds [Abstract]
Letter of credit issued	$ 72,995	$ 76,740

SEGMENT INFORMATION (Details)

SEGMENT INFORMATION (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2021	Mar. 31, 2020	Dec. 31, 2020
Segment Information [Abstract]
Net interest income	$ 10,048	$ 10,004
Provision expense	(52)	3,846
Noninterest income	3,339	4,442
Noninterest expense	9,187	9,519
Tax expense	721	79
Net income	3,531	1,002
Assets	1,225,184	1,035,841	$ 1,186,932
Banking [Member]
Segment Information [Abstract]
Net interest income	9,554	9,471
Provision expense	(50)	3,845
Noninterest income	2,508	3,487
Noninterest expense	8,497	8,766
Tax expense	588	(75)
Net income	3,027	422
Assets	$ 1,212,129	$ 1,024,169
Banking [Member] | Revenues [Member] | Customer Concentration Risk [Member]
Segment Information [Abstract]
Concentration percentage	90.80%	90.80%
Consumer Finance [Member]
Segment Information [Abstract]
Net interest income	$ 494	$ 533
Provision expense	(2)	1
Noninterest income	831	955
Noninterest expense	690	753
Tax expense	133	154
Net income	504	580
Assets	$ 13,055	$ 11,672

LEASES, Balance Sheet Informati

LEASES, Balance Sheet Information (Details) - USD ($) $ in Thousands	Mar. 31, 2021	Dec. 31, 2020
Balance Sheet Information Related to Leases [Abstract]
Operating lease right-of-use assets	$ 1,133	$ 880
Operating lease liabilities	$ 1,133	$ 880
Minimum [Member]
Lessee, Operating Lease, Description [Abstract]
Operating lease term	6 months
Maximum [Member]
Lessee, Operating Lease, Description [Abstract]
Operating lease term	20 years
Operating lease renewal term	15 years

LEASES, Components of Lease Cos

LEASES, Components of Lease Cost (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2021	Mar. 31, 2020
Lease, Cost [Abstract]
Operating lease cost	$ 39	$ 54
Short-term lease expense	$ 8	$ 8

LEASES, Maturities of Lease Lia

LEASES, Maturities of Lease Liabilities (Details) - USD ($) $ in Thousands	Mar. 31, 2021	Dec. 31, 2020
LEASES [Abstract]
2021 (remaining)	$ 118
2022	157
2023	116
2024	95
2025	95
Thereafter	805
Total lease payments	1,386
Less: Imputed Interest	(253)
Total operating leases	$ 1,133	$ 880

LEASES, Other Information (Deta

LEASES, Other Information (Details)	Mar. 31, 2021	Dec. 31, 2020
Other Information [Abstract]
Weighted-average remaining lease term for operating leases	12 years 8 months 12 days	9 years 7 months 6 days
Weighted-average discount rate for operating leases	2.38%	2.79%