Condensed Consolidated Statements of Cash Flows (unaudited) - USD ($)	6 Months Ended
	Jun. 30, 2020	Jun. 30, 2019
CASH FLOWS FROM OPERATING ACTIVITIES:
Net income	$ 3,108,000	$ 3,261,000
Adjustments to reconcile net income to net cash from operating activities:
Amortization of net discounts on investments	58,000	16,000
Provision (recapture) for loan losses	650,000	(400,000)
Depreciation and amortization	486,000	470,000
Compensation expense related to stock options and restricted stock	231,000	87,000
Fair value adjustment on mortgage servicing rights	800,000	486,000
Change in right of use assets amortization	475,000	503,000
Change in lease liabilities	(449,000)	(416,000)
Increase in cash surrender value of BOLI	(105,000)	(186,000)
Net change in advances from borrowers for taxes and insurance	(142,000)	(20,000)
Net gain on sale of loans	(1,581,000)	(695,000)
Proceeds from sale of loans held-for-sale	89,662,000	37,962,000
Originations of loans held-for-sale	(95,644,000)	(37,405,000)
Net loss on OREO and repossessed assets	0	9,000
Change in operating assets and liabilities:
Accrued interest receivable	(140,000)	179,000
Other assets	126,000	565,000
Accrued interest payable	(22,000)	58,000
Other liabilities	(33,000)	(132,000)
Net cash (used in) provided by operating activities	(2,520,000)	4,342,000
CASH FLOWS FROM INVESTING ACTIVITIES:
Purchase of available-for-sale securities	(2,489,000)	(52,000)
Proceeds from principal payments, maturities and sales of available-for-sale securities	1,649,000	120,000
Net (increase) decrease in loans	(70,557,000)	54,248,000
Reduction in (purchase of) BOLI	55,000	(229,000)
Purchases of premises and equipment, net	(395,000)	(109,000)
Net cash (used in) provided by investing activities	(71,737,000)	53,978,000
CASH FLOWS FROM FINANCING ACTIVITIES:
Net increase in deposits	77,604,000	25,901,000
Proceeds from borrowings	87,991,000	81,075,000
Repayment of borrowings	(15,650,000)	(148,825,000)
FHLB stock redeemed (purchased)	(4,000)	2,624,000
Allocation of ESOP shares	161,000	195,000
Dividends paid on common stock	(1,294,000)	(716,000)
Proceeds from common stock option exercises	216,000	38,000
Net cash provided by (used in) financing activities	149,024,000	(39,708,000)
Net change in cash and cash equivalents	74,767,000	18,612,000
Cash and cash equivalents, beginning of period	55,770,000	61,810,000
Cash and cash equivalents, end of period	130,537,000	80,422,000
SUPPLEMENTAL CASH FLOW INFORMATION:
Cash paid for income taxes	0	225,000
Interest paid on deposits and borrowings	3,730,000	3,604,000
Loans transferred from loans held-for-portfolio to OREO and repossessed assets	0	494,000
Leases right of use assets obtained in exchange for operating lease liabilities:
Right of use assets	0	8,136,000
Lease Liabilities	$ 0	$ 8,408,000