CONSOLIDATED STATEMENT OF CASH FLOWS (UNAUDITED) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019
CASH FLOWS FROM OPERATING ACTIVITIES:
Net income	$ 4,531	$ 4,405
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for loan losses	400	400
Depreciation and amortization	150	183
Amortization and accretion on investment securities	120	175
Deferred income taxes	(284)	464
Equity securities losses (gains), net	254	(11)
Earnings on bank owned life insurance	(156)	(151)
Originations of loans held for sale	(7,043)	(3,880)
Proceeds from sales of loans held for sale	5,973	4,885
Realized gains on loans sold	(167)	(99)
Increase in accrued interest receivable	(32)	(317)
Decrease (increase) in accrued interest payable	(182)	16
Other, net	1,169	(1,313)
Net cash provided by operating activities	4,733	4,757
Available-for-sale securities:
Proceeds from maturity and principal repayments	29,045	10,581
Purchase of securities	(41,915)	(12,855)
Purchase of equity securities	(202)	0
Purchase of interest bearing time deposits with other banks	(250)	0
Proceeds from redemption of regulatory stock	3,300	2,580
Purchase of regulatory stock	(2,798)	(2,782)
Net decrease (increase) in loans	22,003	(12,908)
Purchase of premises and equipment	(507)	(105)
Proceeds from sale of premises and equipment	0	1
Proceeds from sale of foreclosed assets held for sale	350	89
Net cash provided by (used in) investing activities	9,026	(15,399)
CASH FLOWS FROM FINANCING ACTIVITIES:
Net increase in deposits	(5,968)	(3,502)
Proceeds from long-term borrowings	5,000	5,000
Repayments of long-term borrowings	0	(2,589)
Net (decrease) increase in short-term borrowed funds	(6,554)	14,658
Purchase of treasury and restricted stock	(1,279)	(330)
Dividends paid	(1,957)	(1,558)
Net cash (used in) provided by financing activities	(10,758)	11,679
Net increase in cash and cash equivalents	3,001	1,037
CASH AND CASH EQUIVALENTS AT BEGINNING OF PERIOD	18,520	16,797
CASH AND CASH EQUIVALENTS AT END OF PERIOD	21,521	17,834
Supplemental Disclosures of Cash Flow Information:
Interest paid	2,631	3,086
Income taxes paid	0	0
Non-cash activities
Loans transferred to foreclosed property	0	3,805
Right of use asset and liability	$ 0	$ 1,454