Consolidated Statements of Cash Flows (Unaudited) - USD ($)	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Operating Activities
Net income	$ 2,594,000	$ 4,118,000
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization	402,000	412,000
Reversal of provision for credit losses	(86,000)	(1,805,000)
Net (gain) loss on calls and sales of debt and equity securities	(377,000)	465,000
Net unrealized loss (gain) on equity securities	30,000	(57,000)
Net gain on sale of loans	(15,000)	(6,000)
Proceeds from sales of residential mortgages held-for-sale	801,000	388,000
Origination of residential mortgages held-for-sale	(237,000)	(770,000)
Increase in cash surrender value of bank-owned life insurance	(94,000)	(86,000)
Stock-based compensation expense	37,000	20,000
Deferred income tax (benefit) expense	(102,000)	284,000
Net increase (decrease) in income taxes payable	194,000	(284,000)
Net (increase) decrease in accrued interest receivable	(82,000)	1,613,000
Fair value remeasurements on interest rate swap	74,000
Amortization of mortgage servicing rights and change in valuation allowance	12,000	11,000
Net amortization of premiums and discounts on investment securities	369,000	482,000
Net (decrease) increase in accrued interest payable	(1,488,000)	456,000
Operating lease payments	(157,000)	(156,000)
Increase in other assets	(323,000)	(343,000)
Increase (decrease) in other liabilities	53,000	(663,000)
Net cash provided by operating activities	1,605,000	4,079,000
Investing Activities
Proceeds from payments, maturities and calls of investments available-for-sale	11,338,000	10,210,000
Proceeds from the sale of investments available-for-sale	0	9,081,000
Proceeds from the sale of equity securities	1,210,000	709,000
Purchases of investments available-for-sale	(2,967,000)
Purchases of equity securities	(1,170,000)	(712,000)
Proceeds from redemption of investment in restricted stock		4,944,000
Purchases of restricted stock		(1,849,000)
Net (increase) decrease in loans	(29,104,000)	27,961,000
Net purchases of premises and equipment	(281,000)	(115,000)
Redemption of Bank Owned Life Insurance investment	341,000
Net cash (used in) provided by investing activities	(20,633,000)	50,229,000
Financing Activities
Net increase (decrease) in non-interest bearing deposits	3,162,000	(19,590,000)
Net increase in interest-bearing deposits	44,313,000	25,811,000
Net decrease in short-term borrowings	(39,006,000)	(51,135,000)
Repayment of long-term debt		(10,000,000)
Cash dividends paid, net of reinvestment	(1,198,000)	(1,151,000)
Proceeds from issuance of common stock	63,000	59,000
Net cash provided by (used in) financing activities	7,334,000	(56,006,000)
Decrease in cash and cash equivalents	(11,694,000)	(1,698,000)
Cash and cash equivalents at beginning of year	62,657,000	15,899,000
Cash and cash equivalents at end of period	50,963,000	14,201,000
Supplemental Cash Flow Disclosures
Interest paid	10,889,000	4,590,000
Net income taxes paid	571,000	1,123,000
Non-cash transactions:
Cumulative change in accounting principal		857,000
Unsettled trades for matured securities	$ 1,500,000
Right-of-use assets obtained in exchange for new operating lease liabilities		$ 369,000