CONSOLIDATED STATEMENT OF CASH FLOWS - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
CASH FLOWS FROM OPERATING ACTIVITIES:
Net income	$ 6,867	$ 6,740
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for credit losses	0	250
Depreciation and amortization	264	262
Amortization and accretion of loans and other assets	(528)	(588)
Amortization and accretion of investment securities	431	560
Deferred income taxes	(65)	(115)
Investment securities losses, net	218	45
Earnings on bank owned life insurance	(218)	(207)
Vesting of restricted stock	5	4
Originations of loans held for sale	(1,629)	(1,386)
Proceeds from sales of loans held for sale	1,716	5,359
Realized gains on loans sold	(45)	(105)
Decrease (Increase) in accrued interest receivable	156	(179)
Gain on sale of foreclosed assets held for sale	(25)	(487)
Increase in accrued interest payable	536	3
Other, net	2,725	1,888
Net cash provided by operating activities	10,408	12,044
Available-for-sale securities:
Proceeds from maturity and principal repayments	4,636	9,135
Purchase of securities	0	(79,970)
Proceeds from sale of equity securities	67	0
Purchase of interest bearing time deposits with other banks	0	(496)
Proceeds from matured interest bearing time deposits with other banks	0	994
Proceeds from redemption of regulatory stock	4,370	1,217
Purchase of regulatory stock	(5,899)	(1,004)
Net decrease (increase) in loans	2,199	(36,470)
Purchase of premises and equipment	(208)	(58)
Investments in low income housing partnerships	(81)	0
Proceeds from sale of foreclosed assets held for sale	139	598
Net cash provided by (used in) investing activities	5,223	(106,054)
CASH FLOWS FROM FINANCING ACTIVITIES:
Net increase in deposits	(44,521)	42,939
Repayments of long-term borrowings	0	(4,725)
Net (decrease) increase in short-term borrowed funds	30,778	(1,040)
Purchase of treasury and restricted stock	0	(8)
Dividends paid	(1,926)	(1,874)
Net cash (used) provided by financing activities	(15,669)	35,292
Net (decrease) increase in cash and cash equivalents	(38)	(58,718)
CASH AND CASH EQUIVALENTS AT BEGINNING OF PERIOD	26,211	172,833
CASH AND CASH EQUIVALENTS AT END OF PERIOD	26,173	114,115
Supplemental Disclosures of Cash Flow Information:
Interest paid	6,491	1,550
Income taxes paid	0	0
Loans transferred to foreclosed property	0	61
Right of use asset and liability	0	0
CECL adjustment	$ 3,300	$ 0