CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Cash flows from operating activities
Net income	$ 13,153	$ 12,430
Adjustments to reconcile net income to net cash from operating activities:
Depreciation and amortization	1,206	1,244
Amortization (accretion), net	(384)	(343)
Provision for loan losses	1,250	500
Securities amortization, net	761	850
Securities (gains) losses, net	(857)	65
Net increase in cash surrender value of bank-owned life insurance	(467)	(198)
Originations of loans held for sale	(71,240)	(62,616)
Proceeds from sale of loans	71,851	64,204
Gain on sale of loans	(1,552)	(1,560)
Stock based compensation expense	220	175
Losses (gain) on disposal of fixed assets	(12)	9
Losses (gain) on other real estate	(74)	(173)
Write-downs of other real estate, net	54
Deferred taxes	(366)	165
Changes in:
Interest receivable	(16)	(199)
Other assets	(882)	(894)
Interest payable	277	55
Other liabilities	305	1,837
Net cash from operating activities	13,227	15,551
Cash flows from investing activities
Net change in interest bearing time deposits	(200)	(345)
Purchases of securities, available for sale	(101,829)	(73,504)
Proceeds from sales of securities, available for sale	79,561	26,649
Purchase of bank-owned life insurance	(7,500)	(10,000)
Proceeds from principal payments and maturities of securities	77,903	45,344
Net change in loans	(60,021)	(37,454)
Purchases of bank premises and equipment	(3,291)	(2,063)
Capitalized expenditures for other real estate	(135)	(74)
Proceeds from sale of other real estate	267	2,022
Proceeds from sale of bank premises and equipment	17
Net cash from investing activities	(15,228)	(49,425)
Cash flows from financing activities
Net change in deposits	(7,789)	35,169
Net change in repurchase agreements and other borrowings	(2,083)	(11,823)
Net change in short-term advances from Federal Home Loan Bank	13,400	3,200
Long-term FHLB advances	18,500	16,394
Payments on long-term FHLB advances	(15,934)	(17,874)
Payments on note payable	(2,718)	(603)
Proceeds from issuance of common stock, including options and grants, including tax benefits	295	64
Purchase of common stock	(1,544)
Dividends paid	(4,045)	(3,724)
Net cash from financing activities	(1,918)	20,803
Net change in cash and cash equivalents	(3,919)	(13,071)
Cash and cash equivalents at beginning of year	26,101	39,172
Cash and cash equivalents at end of year	22,182	26,101
Supplemental disclosures of cash flow information Cash paid during the year for:
Interest expense	8,706	6,747
Income taxes	1,450	2,085
Supplemental schedules of non-cash investing activities
Real estate acquired through foreclosure	1,430	201
Equity securities reclassified to other assets		$ 264
In conjunction with the adoption of ASU 2016-02, as detailed in Note 6 of the 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