Consolidated Statements of Cash Flows (Unaudited) - USD ($)	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023	Mar. 31, 2023
Net income	$ 2,955,000	$ 3,819,000	$ 3,819,000
Adjustments to reconcile net income to net cash and cash equivalents provided by operating activities:
Amortization of premiums and accretion of discounts on securities, net	312,000		429,000
Depreciation and amortization expense	265,000		254,000
Deferred income taxes	(207,000)		(51,000)
Stock compensation expense	78,000		84,000
Increase in cash value of life insurance	(48,000)		(45,000)
Gain on sale of securities	(32,000)		0
Provision for credit losses	280,000		193,000
Proceeds from sales of loans	6,311,000		6,035,000
Loans originated for sale	(6,169,000)		(5,732,000)
Gain on sale of loans	(101,000)		(86,000)
Amortization of tax credit investment	577,000		89,000
Unrealized loss (gain) on equity securities	68,000		(137,000)
Decrease in accrued interest receivable	346,000		129,000
Increase in accrued interest payable	189,000		95,000
Net change in other assets/liabilities	2,395,000		178,000
Net Cash Provided By Operating Activities	7,219,000		5,254,000
CASH FLOWS FROM INVESTING ACTIVITIES
Net decrease in interest-bearing time deposits	735,000		1,000
Purchase of securities available for sale	(27,030,000)		(6,289,000)
Purchase of securities held to maturity	0		0
Proceeds from maturities of securities available for sale	9,475,000		1,480,000
Proceeds from sales of securities available for sale	19,189,000		0
Principal collected on mortgage-backed obligations	5,140,000		3,921,000
Proceeds from sale of equity securities	0		0
Net increase in loans receivable	(7,248,000)		(8,372,000)
Investment in technology fund	0		(100,000)
Purchase of premises and equipment	(159,000)		(132,000)
Net Cash Provided By (Used In) Investing Activities	102,000		(9,491,000)
CASH FLOWS FROM FINANCING ACTIVITIES
Net decrease in deposits	(15,119,000)		(24,946,000)
Advances from FHLB and BTFP	107,750,000		0
Repayment of advances from the FHLB and BTFP	(95,625,000)		0
Purchase of treasury stock	0		(327,000)
Dividends paid	(905,000)		(907,000)
Net Cash Used In Financing Activities	(3,899,000)		(26,180,000)
Net Increase (Decrease) in Cash and Cash Equivalents	3,422,000		(30,417,000)
Cash and cash equivalents at beginning of period	38,670,000		66,298,000
Cash and Cash Equivalents at End of Period	$ 42,092,000	$ 35,881,000	$ 35,881,000