Condensed Consolidated Statements of Cash Flows (Unaudited) - USD ($)	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019
Cash Flows from Operating Activities:
Net income	$ 3,316,000	$ 3,818,000
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for Loan Losses	750,000	400,000
Change in deferred loan origination costs/fees, net	(167,000)	(266,000)
Depreciation and amortization	348,000	355,000
Stock-based compensation expense	78,000	50,000
Amortization of investment security premiums	221,000	180,000
Gain on sale of OREO and other vehicles	3,000	(9,000)
Gain on sale of loans held for sale	(464,000)	(244,000)
Loans originated for sale	(7,539,000)	(3,711,000)
Proceeds from loan sales	10,495,000	6,048,000
Earnings on bank-owned life insurance	(91,000)	(82,000)
Increase in accrued interest receivable and other assets	(533,000)	(627,000)
Increase in accrued interest payable and other liabilities	726,000	994,000
Net cash provided by operating activities	7,143,000	6,906,000
Cash Flows from Investing Activities:
Proceeds from principal repayments from available-for-sale government-sponsored mortgage-backed securities	6,822,000	4,211,000
Proceeds from matured and called available-for-sale securities	380,000
Purchases of available-for-sale securities	(4,081,000)	(3,500,000)
Net increase in loans	(6,823,000)	(9,801,000)
Proceeds from sale of other vehicles	118,000	167,000
Purchase of premises and equipment	(410,000)	(202,000)
Net cash used in investing activities	(3,994,000)	(9,125,000)
Cash Flows from Financing Activities:
Net increase in demand, interest bearing and savings deposits	16,028,000	6,707,000
Net decrease in time deposits	(466,000)	(2,349,000)
Net decrease in securities sold under agreements to repurchase	(7,630,000)	(4,148,000)
Proceeds from exercise of stock options	35,000	76,000
Net cash provided by financing activities	7,967,000	286,000
Increase (decrease) in cash and cash equivalents	11,116,000	(1,933,000)
Cash and Cash Equivalents at Beginning of Year	46,942,000	46,686,000
Cash and Cash Equivalents at End of Period	58,058,000	44,753,000
Supplemental Disclosure of Cash Flow Information:
Interest expense	383,000	434,000
Income taxes
Non-Cash Investing Activities:
Real estate and vehicles acquired through foreclosure	127,000	189,000
Non-Cash Financing Activities:
Common stock retired in connection with the exercise of stock options	$ 46,000