CONSOLIDATED STATEMENTS OF CASH FLOWS (unaudited) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2019	Sep. 30, 2018
Cash Flows From Operating Activities
Net Income	$ 9,664	$ 9,494
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation	896	939
Amortization (accretion), net	(130)	(338)
Securities amortization (accretion), net	581	669
Stock based compensation expense	168	135
Provision for loan losses	825	400
Securities losses (gains) available for sale gains, net	(691)	8
Net increase in cash surrender value of bank-owned life insurance	(322)	(136)
Originations of loans held for sale	(52,267)	(47,422)
Proceeds from sale of loans	49,307	46,245
Losses (gains) on sale of bank premises and equipment		9
Gain on sale of loans	(1,069)	(1,291)
Gains on other real estate	(74)	(149)
Write-downs of other real estate, net	38
Amortization of operating leases	103
Changes in:
Interest receivable	122	(187)
Other assets	(369)	(1,247)
Interest payable	135	(20)
Deferred taxes	(337)	(2)
Other liabilities	50	341
Net cash from operating activities	6,630	7,448
Cash Flows From Investing Activities
Net change in interest bearing time deposits	(200)	(445)
Purchases of securities available for sale	(38,041)	(21,691)
Purchase of bank owned life insurance	(7,500)	(10,000)
Proceeds from sales of securities available for sale	75,081	16,707
Proceeds from principal payments, maturities and calls securities available for sale	39,723	36,458
Net change in loans	(46,663)	(36,988)
Purchases of bank premises and equipment	(1,907)	(1,934)
Capitalized expenditures for other real estate	(135)	(74)
Proceeds from the sale of other real estate	267	1,824
Net cash from (used in) investing activities	20,625	(16,143)
Cash Flows From Financing Activities:
Net change in deposits	(21,241)	5,467
Net change in repurchase agreements	(2,040)	(11,652)
Net change in short-term Federal Home Loan Bank advances	(6,600)	3,500
Proceeds from long-term Federal Home Loan Bank advances	18,500	16,394
Repayment of long-term Federal Home Loan Bank advances	(11,675)	(14,902)
Repayment of note payable	(722)	(480)
Proceeds from issuance of common stock	295	64
Purchase of common stock	(1,544)
Dividends paid	(3,039)	(2,771)
Net cash used in financing activities	(28,066)	(4,380)
Net change in cash and cash equivalents	(811)	(13,075)
Cash and cash equivalents at beginning of period	26,101	39,172
Cash and cash equivalents at end of period	25,290	26,097
Supplemental disclosures of cash flow information Cash paid during the year for:
Interest expense	6,608	4,762
Income taxes	750	1,585
Supplemental disclosures of non-cash investing activities
Securities transactions in process, payable	1,700
Real estate acquired through foreclosure	191	$ 201
In conjunction with the adoption of ASU 2016-02, as detailed in Note 9 of the unaudited consolidated financial statements, a net operating lease asset and a related lease liability was recognized at 1/1/2019	6,373
Lease liability arising from obtaining right of use asset	$ 2,669