CONSOLIDATED STATEMENT OF CASH FLOWS (UNAUDITED) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022
OPERATING ACTIVITIES:
Net Income	$ 11,053	$ 12,913
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization	2,469	2,660
Loss on sale of premises and equipment	0	275
Amortization of intangible assets	92	119
Provision for credit losses	263	1,335
Stock based compensation	715	1,004
Accretion and amortization of investment security discounts and premiums	361	932
Net debt securities losses, available for sale	125	168
Originations of loans held for sale	(27,183)	(30,644)
Proceeds of loans held for sale	27,130	32,789
Gain on sale of loans	(732)	(905)
Net equity securities losses	35	158
Security trades payable	0	(111)
Earnings on bank-owned life insurance	(892)	(501)
Decrease (increase) in deferred tax asset	191	(653)
Other, net	570	(905)
Net cash provided by operating activities	14,197	18,634
INVESTING ACTIVITIES:
Proceeds from sales of available for sale securities	24,701	4,151
Proceeds from calls and maturities of available for sale securities	18,824	13,116
Proceeds from sales of equity securities	35	0
Purchases of available for sale securities	(36,356)	(57,239)
Net increase in loans	(181,784)	(168,950)
Acquisition of premises and equipment	(396)	(263)
Proceeds from the sale of premises and equipment	0	137
Proceeds from the sale of foreclosed assets	0	46
Purchase of bank-owned life insurance	(7)	(21)
Proceeds from bank-owned life insurance death benefit	1,656	2
Investment in limited partnership	0	(554)
Proceeds from redemption of regulatory stock	32,292	6,692
Purchases of regulatory stock	(38,410)	(6,700)
Net cash used for investing activities	(179,445)	(209,583)
FINANCING ACTIVITIES:
Net increase (decrease) in interest-bearing deposits	58,363	(73,943)
Net (decrease) increase in noninterest-bearing deposits	(47,556)	43,043
Proceeds from long-term borrowings	140,000	0
Repayment of long-term borrowings	(25,000)	(23,000)
Net increase in short-term borrowings	40,397	25,154
Finance lease principal payments	(138)	(134)
Dividends paid	(6,780)	(6,778)
Issuance of common stock	1,219	307
Purchases of treasury stock	0	(700)
Net cash provided by (used for) financing activities	160,505	(36,051)
NET DECREASE IN CASH AND CASH EQUIVALENTS	(4,743)	(227,000)
CASH AND CASH EQUIVALENTS, BEGINNING	40,333	263,862
CASH AND CASH EQUIVALENTS, ENDING	35,590	36,862
SUPPLEMENTAL DISCLOSURES OF CASH FLOW INFORMATION:
Interest paid	22,549	4,315
Cash settlement of options	0	1,074
Income taxes paid	2,950	2,371
Non-cash investing and financing activities:
Transfer of loans to foreclosed real estate	$ 770	$ 97