CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($)	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
CASH FLOWS FROM OPERATING ACTIVITIES:
Net (loss) income	$ (13,203,000)	$ 5,560,000
Adjustments to reconcile net income to net cash provided by (used in) operating activities:
Provision (credit) for credit losses on loans	1,640,000	(217,000)
Credit for credit losses on unfunded commitments	(64,000)	(49,000)
Goodwill impairment	19,133,000	0
Depreciation and amortization	946,000	798,000
Net premium amortization on securities	273,000	1,519,000
Deferred income tax (benefit) expense	(59,000)	253,000
Common stock issued	1,264,000	1,754,000
Net gains on sales of mortgage loans	(80,000)	(65,000)
Proceeds from sales of mortgage loans originated for sale	3,407,000	2,509,000
Originations of mortgage loans originated for sale	(3,853,000)	(2,586,000)
Net securities (gains) losses	(105,000)	118,000
Decrease (increase) in accrued interest receivable	208,000	(810,000)
Increase in cash surrender value of bank owned life insurance	(669,000)	(621,000)
Net losses on disposals of premises and equipment	14,000	19,000
(Increase) Decrease in other assets	(812,000)	661,000
Amortization of investment in low-income housing partnerships	819,000	231,000
(Decrease) increase in accrued interest payable	(671,000)	2,260,000
Decrease in other liabilities	(20,000)	(5,429,000)
NET CASH PROVIDED BY OPERATING ACTIVITIES	8,168,000	5,905,000
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	69,878,000	41,700,000
Purchases of debt securities available-for-sale	(65,459,000)	(81,463,000)
Net change in restricted investment in bank stocks	1,901,000	(3,749,000)
Net increase in loans	(37,740,000)	(52,480,000)
Purchase of premises and equipment	(1,728,000)	(1,656,000)
Purchase of investment in real estate venture	(10,000)	(2,415,000)
NET CASH (USED IN) PROVIDED BY INVESTING ACTIVITIES	(33,158,000)	(76,833,000)
CASH FLOWS FROM FINANCING ACTIVITIES:
Net increase (decrease) in deposits	65,441,000	(13,060,000)
Net (decrease) increase in short-term borrowings	(19,042,000)	50,000
Repayment of finance lease obligations	0	(7,000)
Proceeds from long-term borrowings	4,000,000	100,000,000
Repayment of long-term borrowings	(20,000,000)	(3,000,000)
Dividends paid	(5,168,000)	(6,780,000)
NET CASH PROVIDED BY (USED IN) FINANCING ACTIVITIES	25,231,000	77,203,000
INCREASE IN CASH AND CASH EQUIVALENTS	241,000	6,275,000
CASH AND CASH EQUIVALENTS, BEGINNING	17,013,000	10,738,000
CASH AND CASH EQUIVALENTS, ENDING	17,254,000	17,013,000
SUPPLEMENTAL DISCLOSURE OF CASH FLOW INFORMATION
Interest paid	40,663,000	25,612,000
Income taxes paid	(8,000)	318,000
SUPPLEMENTAL DISCLOSURE OF NON-CASH ACTIVITIES
Common stock subscription receivable	0	14,000
Right-of-use assets obtained in exchange for lease liabilities	$ 33,000	$ 33,000