CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($)	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
CASH FLOWS FROM OPERATING ACTIVITIES:
Net income	$ 5,560,000	$ 14,024,000
Adjustments to reconcile net income to net cash provided by operating activities:
Credit for credit losses on loans	(217,000)	(264,000)
Credit for credit losses on unfunded commitments	(49,000)	(108,000)
Depreciation and amortization	798,000	1,056,000
Net premium amortization on securities	1,519,000	3,008,000
Deferred income tax expense	253,000	114,000
Common stock issued	1,754,000	1,635,000
Net (gains) losses on sales of mortgage loans	(65,000)	7,000
Proceeds from sales of mortgage loans originated for sale	2,509,000	5,678,000
Originations of mortgage loans originated for sale	(2,586,000)	(7,846,000)
Net securities losses	118,000	846,000
Increase in accrued interest receivable	(810,000)	(30,000)
Increase in cash surrender value of bank owned life insurance	(621,000)	(597,000)
Net losses on disposals of premises and equipment	19,000	16,000
Decrease (increase) in other assets	661,000	(342,000)
Amortization of investment in low-income housing partnerships	231,000	225,000
Increase in accrued interest payable	2,260,000	312,000
(Decrease) increase in other liabilities	(5,429,000)	429,000
NET CASH PROVIDED BY OPERATING ACTIVITIES	5,905,000	18,163,000
CASH FLOWS FROM INVESTING ACTIVITIES:
Proceeds from sales of equity securities and debt securities available-for-sale	23,230,000	58,845,000
Proceeds from maturities and redemptions of debt securities available-for-sale	41,700,000	51,943,000
Purchases of debt securities available-for-sale	(81,463,000)	(91,493,000)
Net decrease in time deposits with other banks	0	247,000
Net change in restricted investment in bank stocks	(3,749,000)	(5,217,000)
Net increase in loans	(52,480,000)	(103,609,000)
Purchase of premises and equipment	(1,656,000)	(1,892,000)
Purchase of investment in real estate venture	(2,415,000)	(2,458,000)
NET CASH USED IN INVESTING ACTIVITIES	(76,833,000)	(93,634,000)
CASH FLOWS FROM FINANCING ACTIVITIES:
Net decrease in deposits	(13,060,000)	(84,470,000)
Net increase in short-term borrowings	50,000	126,041,000
Repayment of finance lease obligations	(7,000)	(10,000)
Proceeds from long-term borrowings	100,000,000	0
Repayment of long-term borrowings	(3,000,000)	(10,000,000)
Dividends paid	(6,780,000)	(6,690,000)
NET CASH PROVIDED BY FINANCING ACTIVITIES	77,203,000	24,871,000
(DECREASE) INCREASE IN CASH AND CASH EQUIVALENTS	6,275,000	(50,600,000)
CASH AND CASH EQUIVALENTS, BEGINNING	10,738,000	61,338,000
CASH AND CASH EQUIVALENTS, ENDING	17,013,000	10,738,000
SUPPLEMENTAL DISCLOSURE OF CASH FLOW INFORMATION
Interest paid	25,612,000	8,601,000
Income taxes paid	318,000	2,289,000
SUPPLEMENTAL DISCLOSURE OF NON-CASH ACTIVITIES
Purchased securities settling after year-end	0	5,434,000
Loans transferred from held for sale to held for investment portfolio	0	(7,900,000)
Common stock subscription receivable	14,000	8,000
Right-of-use assets obtained in exchange for lease liabilities	$ 33,000	$ 598,000