Consolidated Statements of Cash Flows (Unaudited) - USD ($)	3 Months Ended		12 Months Ended
	Mar. 31, 2024	Mar. 31, 2023	Dec. 31, 2023
Operating activities:
Net income	$ 1,355,000	$ 1,733,000
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for credit losses	120,000	243,000
Depreciation	132,000	145,000
Net amortization of securities premiums	31,000	34,000
Net amortization of loan origination costs	(14,000)	(30,000)
Deferred net loan origination costs	(105,000)	(111,000)
Amortization of intangibles	22,000	11,000
Amortization of investment in low-income housing partnerships	81,000	112,000
Net amortization of purchase fair value adjustments	0	(5,000)
Change in value of equity securities	13,000	22,000
Earnings on bank owned life insurance and annuities	(56,000)	(55,000)
Deferred income tax expense	4,000	250,000
Stock-based compensation expense	34,000	32,000
Proceeds from mortgage loans sold to others	12,000	15,000
Mortgage banking income	(10,000)	(13,000)
Increase in accrued interest receivable and other assets	(1,124,000)	(1,154,000)
(Decrease) increase in accrued interest payable and other liabilities	(1,261,000)	324,000
Net cash (used in) provided by operating activities	(766,000)	1,553,000
Investing activities:
FHLB stock	(311,000)	0
Premises and equipment	(87,000)	(47,000)
Bank owned life insurance and annuities	(3,000)	(7,000)
Maturities of and principal repayments on securities available for sale	1,060,000	1,054,000
Maturities of and principal repayments on securities held to maturity	3,144,000	3,101,000
Redemption of FHLB stock	0	348,000
Net increase in loans	(11,206,000)	(3,846,000)
Net cash (used in) provided by investing activities	(7,403,000)	603,000
Financing activities:
Net (decrease) increase in deposits	(10,627,000)	12,746,000
Net increase (decrease) in short-term borrowings and securities sold under agreements to repurchase	4,404,000	(12,888,000)
Cash dividends	(1,098,000)	(1,101,000)
Purchase of treasury stock	(3,000)	(9,000)
Net cash used in financing activities	(7,324,000)	(1,252,000)
Net (decrease) increase in cash and cash equivalents	(15,493,000)	904,000
Cash and cash equivalents at beginning of year	28,930,000	10,999,000	$ 10,999,000
Cash and cash equivalents at end of period	13,437,000	11,903,000	$ 28,930,000
Supplemental information:
Interest paid	3,054,000	1,691,000
Income tax paid	$ 315,000	$ 215,000