CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($)	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
CASH FLOWS FROM OPERATING ACTIVITIES:
Net income	$ 14,688,000	$ 11,837,000
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for loan losses	860,000	1,200,000
Depreciation and amortization	1,038,000	1,131,000
Net premium amortization on securities	2,930,000	2,003,000
Deferred income tax benefit	(111,000)	(591,000)
Net gains on sales of mortgage loans	(980,000)	(604,000)
Proceeds from sales of mortgage loans originated for sale	30,721,000	15,365,000
Originations of mortgage loans originated for sale	(32,125,000)	(30,480,000)
Net securities (gains) losses	(323,000)	58,000
Net losses on sales of foreclosed real estate held for resale, including write-downs	0	26,000
Decrease (increase) in accrued interest receivable	183,000	(1,139,000)
Increase in cash surrender value of bank owned life insurance	(598,000)	(611,000)
Net losses on disposals of premises and equipment	4,000	4,000
(Increase) decrease in other assets	(1,554,000)	550,000
Amortization of investment in low-income housing partnerships	371,000	362,000
Decrease in accrued interest payable	(154,000)	(201,000)
Increase (decrease) in other liabilities	305,000	(867,000)
NET CASH PROVIDED BY (USED IN) OPERATING ACTIVITIES	15,255,000	(1,957,000)
CASH FLOWS FROM INVESTING ACTIVITIES:
Proceeds from sales of equity securities and debt securities available-for-sale	6,000	21,692,000
Proceeds from maturities and redemptions of debt securities available-for-sale	55,318,000	43,714,000
Purchases of debt securities available-for-sale	(136,138,000)	(145,015,000)
Net change in restricted investment in bank stocks	328,000	1,977,000
Net increase in loans	(29,960,000)	(57,415,000)
Purchase of premises and equipment	(492,000)	(332,000)
Purchase of investment in real estate venture	(435,000)	0
Proceeds from sales of foreclosed assets held for resale	28,000	115,000
NET CASH USED IN INVESTING ACTIVITIES	(111,345,000)	(135,264,000)
CASH FLOWS FROM FINANCING ACTIVITIES:
Net increase in deposits	140,481,000	175,860,000
Net increase (decrease) in short-term borrowings	7,883,000	(35,169,000)
Repayment of finance lease obligations	(10,000)	(4,000)
Repayment of long-term borrowings	(10,000,000)	(10,000,000)
Proceeds from issuance of subordinated debentures	0	25,000,000
Common stock issued	1,511,000	1,298,000
Dividends paid	(6,617,000)	(6,308,000)
NET CASH PROVIDED BY FINANCING ACTIVITIES	133,248,000	150,677,000
INCREASE IN CASH AND CASH EQUIVALENTS	37,158,000	13,456,000
CASH AND CASH EQUIVALENTS, BEGINNING	24,180,000	10,724,000
CASH AND CASH EQUIVALENTS, ENDING	61,338,000	24,180,000
SUPPLEMENTAL DISCLOSURE OF CASH FLOW INFORMATION
Interest paid	5,302,000	6,561,000
Income taxes paid	2,489,000	1,734,000
SUPPLEMENTAL DISCLOSURE OF NON-CASH ACTIVITIES
Loans transferred to foreclosed assets held for resale	0	50,000
Loans transferred from held for sale portfolio	(12,044,000)	(149,000)
Common stock subscription receivable	13,000	14,000
Right-of-use assets obtained in exchange for lease liabilities	$ 33,000	$ 90,000