CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($)	9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019
CASH FLOWS FROM OPERATING ACTIVITIES:
Net income	$ 8,571,000	$ 7,696,000
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for loan losses	682,000	313,000
Depreciation and amortization	868,000	780,000
Net premium amortization on securities	1,484,000	2,054,000
Deferred income tax (benefit) expense	(581,000)	161,000
Gains on sales of mortgage loans	(471,000)	(202,000)
Proceeds from sales of mortgage loans originated for sale	12,433,000	7,251,000
Originations of mortgage loans originated for sale	(22,147,000)	(8,356,000)
Net securities losses (gains)	312,000	(837,000)
Net losses on sales of foreclosed real estate held for resale, including write-downs	21,000	20,000
(Increase) decrease in accrued interest receivable	(1,325,000)	566,000
Earnings on investment in bank owned life insurance	(458,000)	(465,000)
Net losses on disposals of premises and equipment	1,000	4,000
Decrease (increase) in other assets	388,000	(1,964,000)
Amortization of investment in low-income housing partnerships	272,000	265,000
Decrease in accrued interest payable	(208,000)	(86,000)
(Decrease) increase in other liabilities	(1,310,000)	1,097,000
NET CASH (USED IN) PROVIDED BY OPERATING ACTIVITIES	(1,468,000)	8,297,000
CASH FLOWS FROM INVESTING ACTIVITIES:
Proceeds from sales of debt securities available-for-sale	21,692,000	72,025,000
Proceeds from maturities and redemptions of debt securities available-for-sale	30,354,000	15,405,000
Purchases of debt securities available-for-sale	(83,168,000)	(60,418,000)
Net change in restricted investment in bank stocks	1,977,000	3,107,000
Net increase in loans	(46,218,000)	(23,560,000)
Purchase of premises and equipment	(264,000)	(454,000)
Purchase of investment in real estate venture	0	(85,000)
Proceeds from sales of foreclosed assets held for resale	60,000	248,000
NET CASH (USED IN) PROVIDED BY INVESTING ACTIVITIES	(75,567,000)	6,268,000
CASH FLOWS FROM FINANCING ACTIVITIES:
Net increase in deposits	157,591,000	69,425,000
Net decrease in short-term borrowings	(31,540,000)	(84,257,000)
Proceeds from long-term borrowings	0	30,000,000
Repayment of long-term borrowings	(10,000,000)	(20,000,000)
Common stock issued	960,000	897,000
Dividends paid	(4,724,000)	(4,680,000)
NET CASH PROVIDED BY (USED IN) FINANCING ACTIVITIES	112,287,000	(8,615,000)
INCREASE IN CASH AND CASH EQUIVALENTS	35,252,000	5,950,000
CASH AND CASH EQUIVALENTS, BEGINNING	10,724,000	10,950,000
CASH AND CASH EQUIVALENTS, ENDING	45,976,000	16,900,000
SUPPLEMENTAL DISCLOSURE OF CASH FLOW INFORMATION
Interest paid	5,344,000	7,965,000
Income taxes paid	161,000	660,000
SUPPLEMENTAL DISCLOSURE OF NON-CASH ACTIVITIES
Loans transferred to foreclosed assets held for resale	50,000	0
Loans transferred from held for sale portfolio	(149,000)	0
Common stock subscription receivable	16,000	7,000
Right-of-use assets obtained in exchange for lease liabilities	$ 0	$ 1,465,000