Consolidated Statements of Cash Flows (Unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019
Net cash flow from operating activities
Net cash flow from operating activities	$ 2,156	$ 1,049
Cash flow from investing activities
Proceeds from call, maturity and principal payments on available-for-sale securities	6,699	2,591
Purchases of regulatory stock	(160)
Net decrease in loans made to customers	36,499	32,046
Proceeds from bank-owned life insurance		403
Contributions to partnership funds	(152)	(221)
Purchases of premises and equipment	(463)	(527)
Net cash flow from investing activities	42,423	34,292
Cash deficit from financing activities
Net decrease in deposit accounts	(25,125)	(32,843)
Net change in securities sold under agreements to repurchase	(247)	(568)
Net change in Federal Home Loan Bank advances - short term	2,000	(3,000)
Repayments of Federal Home Loan Bank advances - long term	(6,000)	(2,000)
Proceeds from Federal Home Loan Bank advances - long term	4,000	4,000
Dividends paid	(813)	(696)
Treasury shares purchased	(3,092)
Treasury shares reissued		60
Net cash deficit from financing activities	(29,277)	(35,047)
Net change in cash and cash equivalents	15,302	294
Cash and cash equivalents
Beginning of period	27,815	19,692
End of period	43,117	19,986
Cash paid during the period for:
Interest	$ 1,281	1,254
Adoption of lease standard:
Increase in ROU asset		2,061
Increase in lease liability		$ 2,061