Quarterly report pursuant to Section 13 or 15(d)

LOANS HELD FOR INVESTMENT AND ALLOWANCE FOR CREDIT LOSSES (Portfolio Composition) (Details)

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LOANS HELD FOR INVESTMENT AND ALLOWANCE FOR CREDIT LOSSES (Portfolio Composition) (Details) - USD ($)
Mar. 31, 2020
Dec. 31, 2019
Loan Portfolio Composition    
Loans Held for Investment, Net $ 1,862,387,000 $ 1,835,929,000
Net deferred fees 1,800,000 1,800,000
Commercial, Financial and Agricultural [Member]    
Loan Portfolio Composition    
Loans Held for Investment, Net 249,020,000 255,365,000
Real Estate - Construction [Member]    
Loan Portfolio Composition    
Loans Held for Investment, Net 122,595,000 115,018,000
Real Estate - Commercial Mortgage [Member]    
Loan Portfolio Composition    
Loans Held for Investment, Net 656,084,000 625,556,000
Real Estate - Residential [Member]    
Loan Portfolio Composition    
Loans Held for Investment, Net [1] 360,730,000 361,450,000
Loans in Process with outstanding balances 7,300,000 8,300,000
Real Estate - Home Equity [Member]    
Loan Portfolio Composition    
Loans Held for Investment, Net 196,443,000 197,360,000
Consumer [Member]    
Loan Portfolio Composition    
Loans Held for Investment, Net 277,515,000 281,180,000
Overdraft Balances $ 1,500,000 $ 1,600,000
[1]

Includes loans in process with outstanding balances of $ 7.3 million and $ 8.3 million at March 31, 2020 and December 31, 2019 , respective ly.

( 2 ) Includes overdraft balances of $ 1.5 million and $1.6 million at March 31, 2020 and December 31, 2019 , respectively.