CONSOLIDATED STATEMENT OF CASH FLOWS (UNAUDITED) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
OPERATING ACTIVITIES:
Net Income	$ 3,808	$ 4,658
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization	1,031	807
Loss on sale of premises and equipment	330	0
Amortization of intangible assets	26	35
Provision for credit losses	138	71
Stock based compensation	273	253
Accretion and amortization of investment security discounts and premiums	13	162
Net debt securities losses, available for sale	23	61
Originations of loans held for sale	(10,413)	(6,187)
Proceeds of loans held for sale	11,351	8,011
Gain on sale of loans	(305)	(231)
Net equity securities losses (gains)	10	(21)
Earnings on bank-owned life insurance	(463)	(556)
Decrease in deferred tax asset	117	624
Gain on lease abandonment	(127)	0
Other, net	(3,544)	3,419
Net cash provided by operating activities	2,268	11,106
INVESTING ACTIVITIES:
Proceeds from sales of available for sale securities	995	12,913
Proceeds from calls and maturities of available for sale securities	10,740	2,120
Purchases of available for sale securities	(8,108)	(16,379)
Net increase in loans	(15,149)	(64,266)
Acquisition of premises and equipment	(249)	(255)
Purchase of bank-owned life insurance	(6)	(6)
Proceeds from bank-owned life insurance death benefit	1,483	1,655
Proceeds from redemption of regulatory stock	12,867	6,749
Purchases of regulatory stock	(11,964)	(6,234)
Net cash used for investing activities	(9,391)	(63,703)
FINANCING ACTIVITIES:
Net increase in interest-bearing deposits	28,791	99,086
Net increase (decrease) in noninterest-bearing deposits	278	(16,711)
Proceeds from long-term borrowings	20,000	35,000
Repayment of long-term borrowings	(10,000)	(5,000)
Net decrease in short-term borrowings	(34,718)	(56,247)
Finance lease principal payments	(43)	(45)
Dividends paid	(2,404)	(2,258)
Issuance of common stock	300	85
Net cash provided by financing activities	2,204	53,910
NET (DECREASE) INCREASE IN CASH AND CASH EQUIVALENTS	(4,919)	1,313
CASH AND CASH EQUIVALENTS, BEGINNING	37,462	40,333
CASH AND CASH EQUIVALENTS, ENDING	32,543	41,646
SUPPLEMENTAL DISCLOSURES OF CASH FLOW INFORMATION:
Interest paid	12,124	4,997
Income taxes paid	4	7
Non-cash investing and financing activities:
Finance right of use asset abandonment	$ 658	$ 0