Consolidated Statement of Cash Flows - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019
Operating activities
Net income	$ 1,755	$ 3,151
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for loan losses	2,654	349
Depreciation	813	756
Stock compensation	98	67
Gains on sales of other real estate owned	(10)	(30)
Write-downs of other real estate owned	26	117
Origination of loans held for sale	(8,476)	(2,630)
Proceeds from sales of loans held for sale	8,539	2,627
Gains on sales of loans held for sale	(59)	(20)
Loss on disposal of fixed assets	18
Net amortization of investment securities discounts and premiums- AFS	4	3
Net amortization/(accretion) of investment securities discounts and premiums- HTM	45	(12)
Losses on sales/calls of investment securities – available-for-sale		6
Earnings on bank owned life insurance	(303)	(303)
Amortization of deferred loan fees	(318)	(141)
Amortization of operating lease asset	71	65
Increase in accrued interest receivable and other assets	(6,956)	(1,824)
Deferred tax expense/(benefit)	1	(1)
Operating lease liability	(75)	(67)
Increase/(decrease) in accrued interest payable and other liabilities	5,842	(1,116)
Net cash provided by operating activities	3,669	997
Investing activities
Proceeds from maturities/calls of investment securities available-for-sale	18,089	2,249
Proceeds from maturities/calls of investment securities held-to-maturity	2,535	1,238
Purchases of investment securities available-for-sale	(17,421)
Purchases of investment securities held-to-maturity		(2,754)
Proceeds from sales of other real estate owned	92	859
Net (increase)/decrease in restricted stock	(53)	1,021
Net (increase)/decrease in loans	(1,525)	2,897
Purchases of premises and equipment	(783)	(517)
Net cash provided by investing activities	934	4,993
Financing activities
Net increase in deposits	30,363	63,085
Issuance of common stock	52	39
Cash dividends on common stock	(925)	(639)
Net decrease in short-term borrowings	(9,310)	(38,012)
Stock repurchase	(2,754)
Net cash provided by financing activities	17,426	24,473
Increase in cash and cash equivalents	22,029	30,463
Cash and cash equivalents at beginning of the year	49,979	23,541
Cash and cash equivalents at end of period	72,008	54,004
Supplemental information
Interest paid	2,723	2,691
Taxes paid	74	100
Non-cash investing activities:
Transfers from loans to other real estate owned	$ 21	515
Recognition of operating lease right-of-use assets		2,730
Recognition of operating lease liabilities		$ 3,317