CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($)	6 Months Ended
	Jun. 30, 2023	Jun. 30, 2022
CASH FLOWS FROM OPERATING ACTIVITIES:
Net income	$ 2,496,000	$ 7,365,000
Adjustments to reconcile net income to net cash (used in) provided by operating activities:
Provision for credit losses	34,000	437,000
Provision (credit) for credit losses on unfunded commitments	45,000	(60,000)
Depreciation and amortization	540,000	528,000
Net premium amortization on securities	799,000	1,633,000
Deferred income tax expense (benefit)	34,000	(25,000)
Common stock issued	856,000	805,000
Net (gains) losses on sales of mortgage loans	(34,000)	34,000
Proceeds from sales of mortgage loans originated for sale	1,121,000	4,429,000
Originations of mortgage loans originated for sale	(1,016,000)	(6,068,000)
Net securities losses	125,000	131,000
Decrease (increase) in accrued interest receivable	218,000	(112,000)
Increase in cash surrender value of bank owned life insurance	(302,000)	(296,000)
Net losses on disposals of premises and equipment	2,000	10,000
Increase in other assets	(87,000)	(639,000)
Amortization of investment in low-income housing partnerships	106,000	120,000
Increase in accrued interest payable	608,000	22,000
(Decrease) increase in other liabilities	(5,188,000)	97,000
NET CASH PROVIDED BY OPERATING ACTIVITIES	357,000	8,411,000
CASH FLOWS FROM INVESTING ACTIVITIES:
Proceeds from sales of equity securities and debt securities available-for-sale	23,230,000	170,000
Proceeds from maturities and redemptions of debt securities available-for-sale	17,987,000	28,871,000
Purchases of debt securities available-for-sale	0	(38,324,000)
Net decrease in time deposits with other banks	0	247,000
Net change in restricted investment in bank stocks	(1,481,000)	(3,834,000)
Net increase in loans	(12,873,000)	(50,331,000)
Purchase of premises and equipment	(1,251,000)	(325,000)
Purchase of investment in real estate venture	(1,834,000)	(645,000)
NET CASH PROVIDED BY (USED IN) INVESTING ACTIVITIES	23,778,000	(64,171,000)
CASH FLOWS FROM FINANCING ACTIVITIES:
Net decrease in deposits	(57,658,000)	(84,361,000)
Net increase in short-term borrowings	39,941,000	102,346,000
Repayment of finance lease obligations	(5,000)	(5,000)
Repayment of long-term borrowings	0	(10,000,000)
Dividends paid	(3,376,000)	(3,334,000)
NET CASH USED IN (PROVIDED BY) FINANCING ACTIVITIES	(21,098,000)	4,646,000
INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS	3,037,000	(51,114,000)
CASH AND CASH EQUIVALENTS, BEGINNING	10,738,000	61,338,000
CASH AND CASH EQUIVALENTS, ENDING	13,775,000	10,224,000
SUPPLEMENTAL DISCLOSURE OF CASH FLOW INFORMATION
Interest paid	11,438,000	2,481,000
Income taxes paid	209,000	949,000
SUPPLEMENTAL DISCLOSURE OF NON-CASH ACTIVITIES
Loans transferred from held for sale to held for investment portfolio	0	(6,652,000)
Common stock subscription receivable	13,000	14,000
Right-of-use assets obtained in exchange for lease liabilities	$ 33,000	$ 35,000