Consolidated Statement of Cash Flows (Unaudited) - USD ($)		3 Months Ended
		Mar. 31, 2020	Mar. 31, 2019
OPERATING ACTIVITIES
Net income		$ 1,041,000	$ 3,011,000
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for loan losses		2,740,000	240,000
Loss (gain) on equity securities	[1]	160,000	(58,000)
Depreciation and amortization of premises and equipment, net		306,000	259,000
Software amortization expense		141,000	145,000
Financing lease amortization expense		99,000	69,000
Amortization of premium and discount on investment securities, net		84,000	94,000
Accretion of deferred loan fees, net		(255,000)	(259,000)
Amortization of core deposit intangibles		83,000	85,000
Stock-based compensation (income) expense, net		(302,000)	186,000
Restricted stock cash portion			(44,000)
Origination of loans held for sale		(3,232,000)	(2,556,000)
Proceeds from sale of loans		4,053,000	1,960,000
Gain on sale of loans		(114,000)	(37,000)
Earnings on bank-owned life insurance	[1]	(107,000)	(105,000)
Deferred income tax		(308,000)	295,000
Net gain on other real estate owned			(43,000)
Increase in accrued interest receivable		(195,000)	(200,000)
Increase in accrued interest payable		63,000	192,000
Other, net		(1,277,000)	(2,553,000)
Net cash provided by operating activities		2,980,000	681,000
INVESTING ACTIVITIES
Proceeds from repayments and maturities		2,779,000	3,799,000
Purchases		(5,252,000)	(2,679,000)
Increase in loans, net		(14,052,000)	(12,616,000)
Proceeds from the sale of other real estate owned			225,000
Purchase of premises and equipment		(184,000)	(295,000)
Purchase of restricted stock		(1,600,000)
Net cash used in investing activities		(18,309,000)	(11,566,000)
FINANCING ACTIVITIES
Net (decrease) increase in deposits		(17,133,000)	24,164,000
Increase in short-term borrowings, net		54,925,000	602,000
Net repayment of other borrowings		(88,000)	(56,000)
Proceeds from dividend reinvestment and purchase plan			196,000
Repurchase of treasury shares		(1,191,000)
Cash dividends		(964,000)	(909,000)
Net cash provided by financing activities		35,549,000	23,997,000
Increase in cash and cash equivalents		20,220,000	13,112,000
CASH AND CASH EQUIVALENTS AT BEGINNING OF PERIOD		35,113,000	107,933,000
CASH AND CASH EQUIVALENTS AT END OF PERIOD		55,333,000	121,045,000
Cash paid during the year for:
Interest on deposits and borrowings		2,913,000	3,062,000
Noncash operating transactions:
Operating lease assets added to other, net			(2,101,000)
Operating lease liabilities added to other, net			2,101,000
Noncash investing transactions:
Transfers from loans to other real estate owned		301,000	38,000
Finance lease assets added to premises and equipment			(2,771,000)
Noncash financing transactions:
Finance lease liabilities added to borrowed funds			$ 2,771,000

[1] Not within scope of ASC 606