CONSOLIDATED STATEMENT OF CASH FLOWS (UNAUDITED) - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2020	Jun. 30, 2019
OPERATING ACTIVITIES:
Net Income	$ 6,841	$ 8,195
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization	1,286	1,376
Gain on sale of premise and equipment	(14)	0
Amortization of intangible assets	121	140
Provision for loan losses	1,395	675
Stock based compensation	436	313
Accretion and amortization of investment security discounts and premiums	371	326
Net securities gains, available for sale	(207)	(11)
Originations of loans held for sale	(49,660)	(21,400)
Proceeds of loans held for sale	50,218	22,112
Gain on sale of loans	(1,472)	(663)
Net equity securities gains	(30)	(65)
Net securities losses (gains), trading	14	(13)
Proceeds from the sale of trading securities	0	78
Purchases of trading securities	0	(73)
Earnings on bank-owned life insurance	(336)	(291)
(Increase) decrease in deferred tax asset	(408)	437
Other, net	3,434	(2,754)
Net cash provided by operating activities	11,989	8,382
INVESTING ACTIVITIES:
Proceeds from sales of available for sale securities	5,163	8,132
Proceeds from calls and maturities of available for sale securities	6,691	1,951
Purchases of available for sale securities	(25,567)	(17,018)
Net decrease in loans	5,746	4,680
Acquisition of premises and equipment	(2,286)	(1,324)
Proceeds from the sale of premises and equipment	336	0
Proceeds from the sale of foreclosed assets	226	195
Purchase of bank-owned life insurance	(27)	(26)
Proceeds from bank-owned life insurance death benefit	248	0
Investment in limited partnership	(628)	0
Proceeds from redemption of regulatory stock	1,795	10,515
Purchases of regulatory stock	(3,116)	(6,740)
Net cash (used for) provided by investing activities	(11,419)	365
FINANCING ACTIVITIES:
Net increase in interest-bearing deposits	66,722	105,242
Net increase in noninterest-bearing deposits	83,578	1,941
Proceeds from long-term borrowings	35,000	25,000
Repayment of long-term borrowings	(25,000)	(15,317)
Net increase (decrease) in short-term borrowings	10,213	(108,412)
Finance lease principal payments	(35)	(54)
Dividends paid	(4,506)	(4,411)
Issuance of common stock	43	47
Net cash provided by financing activities	166,015	4,036
NET INCREASE IN CASH AND CASH EQUIVALENTS	166,585	12,783
CASH AND CASH EQUIVALENTS, BEGINNING	48,589	66,742
CASH AND CASH EQUIVALENTS, ENDING	215,174	79,525
SUPPLEMENTAL DISCLOSURES OF CASH FLOW INFORMATION:
Interest paid	7,935	7,352
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	$ 281