CONSOLIDATED STATEMENT OF CASH FLOWS (UNAUDITED) - USD ($)	9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019
OPERATING ACTIVITIES
Net (Loss) Income	$ (13,719,000)	$ 9,650,000
Αdjustmеnts to Rеconcilе Net (Loss) Income to Net Cash Provided By Operating Activities:
Net Accretion on Investments	(9,000)	(145,000)
Depreciation and Amortization	2,578,000	2,730,000
Provision for Loan Losses	4,000,000	550,000
Goodwill Impairment	18,693,000	0
Writedown of Fixed Assets	884,000	0
Change in Fair Value of Marketable Equity Securities	469,000	(104,000)
Net Gain on Purchased Tax Credits	(46,000)	(27,000)
Income from Bank-Owned Life Insurance	(417,000)	(408,000)
Proceeds From Mortgage Loans Sold	24,317,000	7,378,000
Originations of Mortgage Loans for Sale	(23,314,000)	(7,188,000)
Net Gain on Sales of Loans	(1,003,000)	(190,000)
Net (Gain) Loss on Sales of Investment Securities	(489,000)	50,000
Net Loss on Sales of Other Real Estate Owned and Repossessed Assets	26,000	6,000
Noncash Expense for Stock-Based Compensation	370,000	230,000
(Increase) Decrease in Accrued Interest Receivable	(944,000)	33,000
Net Loss (Gain) on Disposal of Fixed Assets	48,000	(2,000)
(Decrease) Increase in Taxes Payable	(253,000)	259,000
Payments on Operating Leases	(412,000)	(312,000)
(Decrease) Increase in Accrued Interest Payable	(252,000)	331,000
Other, Net	(1,329,000)	(136,000)
NET CASH PROVIDED BY OPERATING ACTIVITIES	9,198,000	12,705,000
Investment Securities Available for Sale:
Proceeds From Principal Repayments and Maturities	91,219,000	34,490,000
Purchases of Debt and Marketable Equity Securities	(68,851,000)	(50,185,000)
Proceeds from Sales of Securities	17,893,000	29,460,000
Net Increase in Loans	(100,436,000)	(21,531,000)
Purchase of Premises and Equipment	(184,000)	(66,000)
Proceeds from Disposal of of Premises and Equipment	26,000	0
Asset Acquisition of a Customer List	0	(900,000)
Proceeds From Sales of Other Real Estate Owned and Repossessed Assets	99,000	1,123,000
(Increase) Decrease in Restricted Equity Securities	(305,000)	214,000
Acquisition of Bank Owned Life Insurance	0	(750,000)
NET CASH USED IN INVESTING ACTIVITIES	(60,539,000)	(8,145,000)
FINANCING ACTIVITIES
Net Increase in Deposits	80,677,000	39,250,000
Net Increase (Decrease) in Short-Term Borrowings	11,490,000	(1,861,000)
Principal Payments on Other Borrowed Funds	(3,000,000)	(3,000,000)
Cash Dividends Paid	(3,888,000)	(3,911,000)
Treasury Stock, Purchases at Cost	(1,908,000)	0
Exercise of Stock Options	(78,000)	22,000
NET CASH PROVIDED BY FINANCING ACTIVITIES	83,293,000	30,500,000
INCREASE IN CASH AND CASH EQUIVALENTS	31,952,000	35,060,000
CASH AND DUE FROM BANKS AT BEGINNING OF YEAR	80,217,000	53,353,000
CASH AND DUE FROM BANKS AT END OF PERIOD	112,169,000	88,413,000
Cash paid for:
Interest on deposits and borrowings (including interest credited to deposit accounts of $4,382 and $5,070, respectively)	4,694,000	5,497,000
Income taxes	1,785,000	2,260,000
SUPPLEMENTAL NONCASH DISCLOSURE:
Real estate acquired in settlement of loans	115,000	427,000
Income tax refund receivable	1,002,000	0
Loan payoff receivable	5,628,000	1,644,000
Right of use asset recognized	329,000	1,706,000
Lease liability recognized	$ 329,000	$ 1,712,000