CashFlows - USD ($)	6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023
Net Income	$ 5,787,000	$ 6,549,000
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	580,000	830,000
Depreciation and amortization expense	535,000	509,000
Deferred income taxes	(293,000)	(168,000)
Stock compensation expense	133,000	145,000
Increase in cash value of life insurance	(114,000)	(111,000)
Gain on sale of securities	(32,000)	14,000
Provision for credit losses	640,000	543,000
Proceeds from sales of loans	15,088,000	12,871,000
Loans originated for sale	(16,192,000)	(12,884,000)
Gain on sale of loans	(270,000)	(190,000)
Amortization of tax credit investment	986,000	170,000
Unrealized loss (gain) on equity securities	74,000	(45,000)
Decrease in accrued interest receivable	213,000	(51,000)
Increase in accrued interest payable	1,143,000	582,000
Net change in other assets/liabilities	2,423,000	(1,101,000)
Net Cash Provided By Operating Activities	10,701,000	7,663,000
CASH FLOWS FROM INVESTING ACTIVITIES
Net decrease in interest-bearing time deposits	980,000	(977,000)
Purchase of securities available for sale	(35,358,000)	(20,144,000)
Proceeds from maturities of securities available for sale	22,480,000	9,885,000
Proceeds from sales of securities available for sale	19,189,000	10,816,000
Principal collected on mortgage-backed obligations	11,202,000	7,908,000
Net increase in loans receivable	(16,255,000)	(26,153,000)
Investment in tax credit entities	0	(100,000)
Investment in technology fund	(50,000)	(150,000)
Purchase of premises and equipment	(311,000)	(292,000)
Net Cash Provided By (Used In) Investing Activities	1,877,000	(19,207,000)
CASH FLOWS FROM FINANCING ACTIVITIES
Net decrease in deposits	(10,965,000)	(17,955,000)
Advances from FHLB and BTFP	167,750,000	85,000,000
Repayment of advances from the FHLB and BTFP	(155,625,000)	(72,000,000)
Purchase of treasury stock	(13,000)	(502,000)
Dividends paid	(1,824,000)	(1,826,000)
Net Cash Used In Financing Activities	(677,000)	(7,283,000)
Net Increase (Decrease) in Cash and Cash Equivalents	11,901,000	(18,827,000)
Cash and cash equivalents at beginning of period	38,670,000	66,298,000
Cash and Cash Equivalents at End of Period	$ 50,571,000	$ 47,471,000