CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($)	6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021
CASH FLOWS FROM OPERATING ACTIVITIES:
Net income	$ 7,365,000	$ 7,483,000
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for loan losses	437,000	270,000
Depreciation and amortization	528,000	514,000
Net premium amortization on securities	1,633,000	1,366,000
Deferred income tax expense (benefit)	(25,000)	(150,000)
Net losses (gains) on sales of mortgage loans	34,000	(662,000)
Proceeds from sales of mortgage loans originated for sale	4,429,000	21,427,000
Originations of mortgage loans originated for sale	(6,068,000)	(20,490,000)
Net securities losses (gains)	131,000	(143,000)
(Increase) decrease in accrued interest receivable	(112,000)	170,000
Increase in cash surrender value of bank owned life insurance	(296,000)	(299,000)
Net losses on disposals of premises and equipment	10,000	1,000
Increase in other assets	(639,000)	(1,116,000)
Amortization of investment in low-income housing partnerships	120,000	185,000
Increase (decrease) in accrued interest payable	22,000	(121,000)
Increase in other liabilities	37,000	241,000
NET CASH PROVIDED BY OPERATING ACTIVITIES	7,606,000	8,676,000
CASH FLOWS FROM INVESTING ACTIVITIES:
Proceeds from sales of equity securities and debt securities available-for-sale	170,000
Proceeds from maturities and redemptions of debt securities available-for-sale	28,871,000	30,836,000
Purchases of debt securities available-for-sale	(38,324,000)	(65,305,000)
Net decrease in time deposits with other banks	247,000
Net change in restricted investment in bank stocks	(3,834,000)	(359,000)
Net increase in loans	(50,331,000)	(21,649,000)
Purchase of premises and equipment	(325,000)	(131,000)
Purchase of investment in real estate venture	(645,000)
Proceeds from sales of foreclosed assets held for resale		28,000
NET CASH USED IN INVESTING ACTIVITIES	(64,171,000)	(56,580,000)
CASH FLOWS FROM FINANCING ACTIVITIES:
Net (decrease) increase in deposits	(84,361,000)	125,859,000
Net increase in short-term borrowings	102,346,000	7,005,000
Repayment of finance lease obligations	(5,000)	(5,000)
Repayment of long-term borrowings	(10,000,000)	(10,000,000)
Common stock issued	805,000	729,000
Dividends paid	(3,334,000)	(3,240,000)
NET CASH PROVIDED BY FINANCING ACTIVITIES	5,451,000	120,348,000
(DECREASE) INCREASE IN CASH AND CASH EQUIVALENTS	(51,114,000)	72,444,000
CASH AND CASH EQUIVALENTS, BEGINNING	61,338,000	24,180,000
CASH AND CASH EQUIVALENTS, ENDING	10,224,000	96,624,000
SUPPLEMENTAL DISCLOSURE OF CASH FLOW INFORMATION
Interest paid	2,481,000	2,714,000
Income taxes paid	949,000	1,401,000
SUPPLEMENTAL DISCLOSURE OF NON-CASH ACTIVITIES
Purchased securities settling after quarter end		5,783,000
Loans transferred from held for sale portfolio	(6,652,000)
Common stock subscription receivable	14,000	13,000
Right-of-use assets obtained in exchange for lease liabilities	$ 35,000	$ 33,000