CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($)	9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023
CASH FLOWS FROM OPERATING ACTIVITIES:
Net (loss) income	$ (15,490,000)	$ 3,779,000
Adjustments to reconcile net income to net cash provided by (used in) operating activities:
Provision (credit) for credit losses	1,492,000	(336,000)
Provision for credit losses on unfunded commitments	6,000	17,000
Goodwill Impairment	19,133,000	0
Depreciation and amortization	726,000	713,000
Net premium amortization on securities	276,000	1,196,000
Deferred income tax (benefit) expense	(42,000)	118,000
Common stock issued	865,000	1,308,000
Net gains on sales of mortgage loans	(68,000)	(44,000)
Proceeds from sales of mortgage loans originated for sale	2,849,000	1,764,000
Originations of mortgage loans originated for sale	(2,995,000)	(1,650,000)
Net securities losses	48,000	212,000
Increase in accrued interest receivable	(58,000)	(224,000)
Increase in cash surrender value of bank owned life insurance	(498,000)	(459,000)
Net losses on disposals of premises and equipment	2,000	11,000
Increase in other assets	(277,000)	0
Amortization of investment in low-income housing partnerships	614,000	158,000
(Decrease) increase in accrued interest payable	(233,000)	1,097,000
Increase (decrease) in other liabilities	1,079,000	(4,848,000)
NET CASH PROVIDED BY OPERATING ACTIVITIES	7,429,000	2,812,000
CASH FLOWS FROM INVESTING ACTIVITIES:
Proceeds from sales of equity securities and debt securities available-for-sale	0	23,230,000
Proceeds from maturities and redemptions of debt securities available-for-sale	56,749,000	29,147,000
Purchases of debt securities available-for-sale	(61,439,000)	(19,040,000)
Net change in restricted investment in bank stocks	120,000	119,000
Net increase in loans	(24,067,000)	(22,641,000)
Purchase of premises and equipment	(1,424,000)	(1,442,000)
Purchase of investment in real estate venture	(10,000)	(2,366,000)
NET CASH (USED IN) PROVIDED BY INVESTING ACTIVITIES	(30,071,000)	7,007,000
CASH FLOWS FROM FINANCING ACTIVITIES:
Net increase (decrease) in deposits	39,470,000	(1,196,000)
Net increase in short-term borrowings	14,007,000	1,358,000
Repayment of finance lease obligations	0	(7,000)
Repayment of long-term borrowings	(20,000,000)	(3,000,000)
Dividends paid	(3,824,000)	(5,075,000)
NET CASH PROVIDED BY (USED IN) FINANCING ACTIVITIES	29,653,000	(7,920,000)
INCREASE IN CASH AND CASH EQUIVALENTS	7,011,000	1,899,000
CASH AND CASH EQUIVALENTS, BEGINNING	17,013,000	10,738,000
CASH AND CASH EQUIVALENTS, ENDING	24,024,000	12,637,000
SUPPLEMENTAL DISCLOSURE OF CASH FLOW INFORMATION
Interest paid	29,384,000	18,302,000
Income taxes paid	11,000	294,000
SUPPLEMENTAL DISCLOSURE OF NON-CASH ACTIVITIES
Purchased securities settling after year-end	0	2,262,000
Common stock subscription receivable	0	16,000
Right-of-use assets obtained in exchange for lease liabilities	$ 33,000	$ 33,000