Consolidated Statement of Cash Flows (Unaudited) - USD ($)		3 Months Ended
		Mar. 31, 2025	Mar. 31, 2024
OPERATING ACTIVITIES
Net income		$ 4,830,000	$ 4,167,000
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for (Recovery of) credit losses		95,000	(136,000)
Loss (gain) on equity securities	[1]	34,000	52,000
Software amortization expense		90,000	22,000
Amortization of premium and discount on investment securities, net		138,000	140,000
Amortization of core deposit intangibles		249,000	258,000
Depreciation, Amortization and Accretion, Net		(4,000)	97,000
Stock-based compensation, net		309,000	0
Origination of loans held for sale		(1,379,000)	(629,000)
Proceeds from sale of loans held for sale		1,403,000	639,000
Gain (Loss) on sale of loans held for sale		(24,000)	(10,000)
Earnings on bank-owned life insurance	[1]	(493,000)	(227,000)
Deferred income tax		110,000	447,000
Decrease (increase) in accrued interest receivable		72,000	(131,000)
Increase (decrease) in accrued interest payable		190,000	3,495,000
Other, net		2,398,000	(2,744,000)
Net cash provided by (used in) operating activities		8,018,000	5,440,000
INVESTING ACTIVITIES
Proceeds from repayments and maturities		186,000	167,000
Purchases		(200,000)	(4,000)
Decrease (Increase) in loans, net		(29,347,000)	(12,185,000)
Purchase of loans		(831,000)	0
Proceeds from bank-owned life insurance		892,000	0
Purchase of premises and equipment		(273,000)	(92,000)
Redemption of restricted stock		2,749,000	503,000
Net cash provided by (used in) investing activities		(26,824,000)	(11,611,000)
FINANCING ACTIVITIES
Net increase (decrease) in deposits		94,032,000	20,307,000
Net increase (decrease) in Federal Home Loan Bank advances		(62,400,000)	(26,000,000)
Repayment of other borrowings		(51,000)	(50,000)
Repurchase of common shares		0	(1,055,000)
Cash dividends		(1,697,000)	(1,613,000)
Net cash provided by (used in) financing activities		29,884,000	(8,411,000)
Increase (decrease) in cash and cash equivalents		11,078,000	(14,582,000)
CASH AND CASH EQUIVALENTS AT BEGINNING OF PERIOD		55,792,000	60,836,000
CASH AND CASH EQUIVALENTS AT END OF PERIOD		66,870,000	46,254,000
SUPPLEMENTAL INFORMATION
Interest on deposits and borrowings		9,185,000	6,148,000
Income taxes		$ 0	$ 1,890,000

[1] Not within scope of ASC 606