CONSOLIDATED STATEMENT OF CASH FLOWS (UNAUDITED) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019
OPERATING ACTIVITIES:
Net Income	$ 3,077	$ 3,946
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization	760	691
Gain on sale of premise and equipment	(14)	0
Amortization of intangible assets	62	71
Provision for loan losses	750	360
Stock based compensation	198	136
Accretion and amortization of investment security discounts and premiums	171	157
Net securities gains, available for sale	(21)	(13)
Originations of loans held for sale	(14,977)	(8,998)
Proceeds of loans held for sale	15,359	10,456
Gain on sale of loans	(444)	(316)
Net equity securities gains	(20)	(43)
Net securities (losses) gains, trading	14	(10)
Proceeds from the sale of trading securities	0	77
Purchases of trading securities	0	(73)
Earnings on bank-owned life insurance	(192)	(168)
(Increase) decrease in deferred tax asset	(84)	499
Proceeds on sales of investment securities receivable	6,627	0
Other, net	(2,658)	(474)
Net cash provided by operating activities	8,608	6,298
INVESTING ACTIVITIES:
Proceeds from sales of available for sale securities	2,774	6,986
Proceeds from calls and maturities of available for sale securities	2,598	817
Purchases of available for sale securities	(11,753)	(12,962)
Net decrease (increase) in loans	5,861	(169)
Acquisition of premises and equipment	(1,547)	(615)
Proceeds from the sale of premises and equipment	336	0
Proceeds from the sale of foreclosed assets	226	117
Purchase of bank-owned life insurance	(26)	(26)
Proceeds from bank-owned life insurance death benefit	(248)	0
Investment in limited partnership	(370)	0
Proceeds from redemption of regulatory stock	1,139	6,898
Purchases of regulatory stock	(2,222)	(3,761)
Net cash used for investing activities	(2,736)	(2,715)
FINANCING ACTIVITIES:
Net increase in interest-bearing deposits	4,716	88,315
Net (decrease) increase in noninterest-bearing deposits	(1,987)	843
Proceeds from long-term borrowings	35,000	15,000
Repayment of long-term borrowings	(25,000)	(15,317)
Net increase (decrease) in short-term borrowings	12,821	(83,366)
Finance lease principal payments	(17)	(20)
Dividends paid	(2,253)	(2,205)
Issuance of common stock	20	21
Net cash provided by financing activities	23,300	3,271
NET INCREASE IN CASH AND CASH EQUIVALENTS	29,172	6,854
CASH AND CASH EQUIVALENTS, BEGINNING	48,589	66,742
CASH AND CASH EQUIVALENTS, ENDING	77,761	73,596
SUPPLEMENTAL DISCLOSURES OF CASH FLOW INFORMATION:
Interest paid	4,036	3,628
Income taxes paid	0	0
Non-cash investing and financing activities:
Right-of-use lease assets obtained in exchange for lessee finance lease liabilities	0	6,026
Right-of-use lease assets obtained in exchange for lessee operating lease liabilities	0	4,298
Transfer of loans to foreclosed real estate	$ 139	$ 51