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Consolidated Statements of Cash Flows - USD ($)
 12 Months Ended
Dec. 31, 2019
Dec. 31, 2018
Dec. 31, 2017
CASH FLOWS FROM OPERATING ACTIVITIES      
Net income $ 10,338,000 $ 9,266,000 $ 7,452,000
Adjustments to reconcile net income to cash and cash equivalents provided by operating activities:      
Amortization of premium and accretion of discount on securities, net 1,764,000 1,689,000 1,731,000
Depreciation and amortization expense 1,070,000 1,215,000 1,226,000
Deferred income taxes 482,000 (395,000) 348,000
Stock compensation expense 288,000 192,000 88,000
Increase in cash value of life insurance (211,000) (227,000) (197,000)
Gain on life insurance (94,000) (18,000)
(Gain) loss on sale of available for sale securities and time deposits 147,000 95,000 (54,000)
Provision for loan losses 1,425,000 1,168,000 915,000
Proceeds from sale of loans 70,619,000 55,189,000 66,674,000
Loans originated for sale (70,755,000) (54,308,000) (63,412,000)
Gain on sale of loans (1,191,000) (1,100,000) (1,385,000)
Amortization of tax credit investment 361,000 329,000
Impairment loss on tax credit investment 270,000
Unrealized (gain) loss on equity securities (32,000) 207,000
Net realized and unrealized loss on foreclosed real estate 170,000 442,000 260,000
Net gain on sale of premises and equipment (1,000)
Increase in accrued interest receivable (248,000) (134,000) (331,000)
Increase (decrease) in accrued interest payable 60,000 43,000 (26,000)
Net change in other assets/liabilities (210,000) (499,000) 149,000
Net Cash Provided By Operating Activities 14,077,000 13,348,000 13,419,000
CASH FLOWS FROM INVESTING ACTIVITIES      
Net decrease in interest-bearing time deposits 1,207,000 1,548,000 5,477,000
Purchase of securities available for sale (69,260,000) (37,350,000) (48,890,000)
Proceeds from maturities of securities available for sale 30,575,000 3,325,000 5,515,000
Proceeds from sales of securities available for sale 21,725,000 14,345,000 1,644,000
Principal collected on mortgage-backed obligations 29,679,000 25,338,000 25,559,000
Investment in cash value of life insurance (1,000,000)
Net increase in loans receivable (33,973,000) (25,906,000) (29,946,000)
Investment in tax credit entities (1,203,000) (1,095,000)
Purchase of Federal Home Loan Bank stock (9,000) (329,000)
Proceeds from sale of foreclosed real estate 3,116,000 483,000 1,010,000
Purchase of premises and equipment (2,973,000) (402,000) (1,269,000)
Proceeds from sale of premises and equipment 1,000
Purchase of equity investment (1,922,000)
Proceeds from settlement of bank-owned life insurance policies 545,000 804,000
Net Cash Used In Investing Activities (21,107,000) (22,100,000) (40,424,000)
CASH FLOWS FROM FINANCING ACTIVITIES      
Net increase (decrease) in deposits 20,531,000 37,084,000 (88,000)
Net increase (decrease) in advances from Federal Home Loan Bank (10,000,000) 10,000,000
Purchase of treasury stock (2,000) (32,000) (16,000)
Taxes paid on stock award shares for employees (42,000) (2,000) (2,000)
Dividends paid (3,209,000) (3,101,000) (2,883,000)
Net Cash Provided By Financing Activities 17,278,000 23,949,000 7,011,000
Net Increase (Decrease) in Cash and Cash Equivalents 10,248,000 15,197,000 (19,994,000)
Cash and cash equivalents at beginning of year 41,112,000 25,915,000 45,909,000
Cash and Cash Equivalents at End of Year $ 51,360,000 $ 41,112,000 $ 25,915,000