CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($)	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
CASH FLOWS FROM OPERATING ACTIVITIES:
Net income	$ 11,837,000	$ 10,227,000
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for loan losses	1,200,000	450,000
Depreciation and amortization	1,131,000	781,000
Net premium amortization on securities	2,003,000	2,624,000
Deferred income tax (benefit) expense	(591,000)	100,000
Gains on sales of mortgage loans	(604,000)	(277,000)
Proceeds from sales of mortgage loans originated for sale	15,365,000	10,783,000
Originations of mortgage loans originated for sale	(30,480,000)	(12,447,000)
Net securities losses (gains)	58,000	(911,000)
Net losses on sales of foreclosed real estate held for resale, including write-downs	26,000	264,000
(Increase) decrease in accrued interest receivable	(1,139,000)	636,000
Increase in cash surrender value of bank owned life insurance	(611,000)	(620,000)
Net losses on disposals of premises and equipment	4,000	4,000
Decrease (increase) in other assets	550,000	(916,000)
Amortization of investment in low-income housing partnerships	362,000	353,000
Decrease in accrued interest payable	(201,000)	(179,000)
(Decrease) increase in other liabilities	(867,000)	1,667,000
NET CASH (USED IN) PROVIDED BY OPERATING ACTIVITIES	(1,957,000)	12,539,000
CASH FLOWS FROM INVESTING ACTIVITIES:
Proceeds from sales of debt securities available-for-sale	21,692,000	106,623,000
Proceeds from maturities and redemptions of debt securities available-for-sale	43,714,000	26,772,000
Purchases of debt securities available-for-sale	(145,015,000)	(87,735,000)
Net decrease in time deposits with other banks	0	1,235,000
Net change in restricted investment in bank stocks	1,977,000	4,457,000
Net increase in loans	(57,415,000)	(39,504,000)
Purchase of premises and equipment	(332,000)	(557,000)
Purchase of investment in real estate venture	0	(85,000)
Proceeds from sales of foreclosed assets held for resale	115,000	780,000
NET CASH (USED IN) PROVIDED BY INVESTING ACTIVITIES	(135,264,000)	11,986,000
CASH FLOWS FROM FINANCING ACTIVITIES:
Net increase in deposits	175,860,000	90,075,000
Net decrease in short-term borrowings	(35,169,000)	(119,782,000)
Repayment of finance lease obligations	(4,000)	0
Proceeds from long-term borrowings	0	30,000,000
Repayment of long-term borrowings	(10,000,000)	(20,000,000)
Proceeds from issuance of subordinated debentures	25,000,000	0
Common stock issued	1,298,000	1,203,000
Dividends paid	(6,308,000)	(6,247,000)
NET CASH PROVIDED BY (USED IN) FINANCING ACTIVITIES	150,677,000	(24,751,000)
INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS	13,456,000	(226,000)
CASH AND CASH EQUIVALENTS, BEGINNING	10,724,000	10,950,000
CASH AND CASH EQUIVALENTS, ENDING	24,180,000	10,724,000
SUPPLEMENTAL DISCLOSURE OF CASH FLOW INFORMATION
Interest paid	6,561,000	10,422,000
Income taxes paid	1,734,000	1,149,000
SUPPLEMENTAL DISCLOSURE OF NON-CASH ACTIVITIES
Purchased securities settling after year end	0	1,011,000
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	14,000	11,000
Right-of-use assets obtained in exchange for lease liabilities	$ 90,000	$ 1,465,000