Consolidated Statements of Cash Flows - USD ($)		12 Months Ended
		Dec. 31, 2024	Dec. 31, 2023
CASH FLOWS FROM OPERATING ACTIVITIES:
Net Income		$ 9,807,000	$ 10,190,000
Adjustments to Reconcile Net Income to Net Cash Provided By Operating Activities:
Depreciation Expense		2,070,000	2,145,000
Discount Accretion and Premium Amortization, Net		3,551,000	3,919,000
Provision for Credit Losses		1,370,000	246,000
Earnings on BOLI	[1]	(706,000)	(636,000)
Origination of Loans Held For Sale		(30,197,000)	(21,551,000)
Proceeds From Sale of Loans Held For Sale		31,344,000	22,123,000
Gain on Sales of Loans	[1]	(779,000)	(626,000)
Gain on Sales of Investments	[1]	(37,000)	0
Loss on Disposal of Premises and Equipment		1,000	29,000
Gain on Sale of OREO		0	(2,000)
Write-down of OREO		0	15,000
Loss on Sale of Land Held For Sale		0	9,000
Decrease (Increase) in Accrued Interest Receivable		138,000	(701,000)
Amortization of Operating Lease Right-of-Use ("ROU") Assets		475,000	459,000
Change in Other Assets		11,171,000	(11,621,000)
Change in Lease Liabilities and Other Liabilities		220,000	4,857,000
Net Cash Provided By Operating Activities		28,428,000	8,855,000
CASH FLOWS FROM INVESTING ACTIVITIES:
Purchase of AFS Securities		(68,647,000)	(46,033,000)
Proceeds from Payments and Maturities of AFS Securities		68,769,000	61,841,000
Proceeds from Sale of AFS Securities		13,703,000	0
Purchase of HTM Securities		(3,249,000)	(20,253,000)
Proceeds from Payments and Maturities of HTM Securities		31,039,000	24,762,000
Redemption of (Investment in) Certificates of Deposits with Other Banks		1,100,000	(1,250,000)
Purchase of FHLB Stock		(167,000)	(696,000)
Redemption of FHLB Stock		0	425,000
Net Increase in Loans Receivable		(66,468,000)	(74,687,000)
Proceeds from Sale of Land Held for Sale		0	150,000
Proceeds from Sale of OREO		0	107,000
Proceeds from Sale of Premises and Equipment		7,000	0
Purchase and Improvement of Premises and Equipment		(2,762,000)	(2,851,000)
Net Cash Used By Investing Activities		(26,675,000)	(58,485,000)
CASH FLOWS FROM FINANCING ACTIVITIES:
Increase in Deposit Accounts		129,036,000	84,912,000
Increase (Decrease) in Other Borrowings, Net		8,629,000	(8,408,000)
Repurchase of Subordinated Debentures		(16,500,000)	0
Proceeds from FRB Borrowings		80,000,000	446,055,000
Repayment of FRB Borrowings		(149,200,000)	(370,935,000)
Purchases of Treasury Stock		(1,051,000)	(582,000)
Proceeds from Employee Stock Purchase Plan		49,000	57,000
Dividends to Common Stock Shareholders		(1,797,000)	(1,687,000)
Dividends to Preferred Stock Shareholders		(926,000)	0
Net Cash Provided By Financing Activities		48,240,000	149,412,000
Net Increase in Cash and Cash Equivalents		49,993,000	99,782,000
Cash and Cash Equivalents at Beginning of Year		128,284,000	28,502,000
Cash and Cash Equivalents at End of Year		178,277,000	128,284,000
Interest		35,328,000	23,019,000
Income Taxes		2,852,000	2,091,000
Non Cash Transactions:
Other Comprehensive Income		$ 3,945,000	$ 5,729,000

[1] Not within the scope of ASC 606