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Consolidated Statements of Cash Flows (Unaudited) - USD ($)
 6 Months Ended
Jun. 30, 2023
Jun. 30, 2022
CASH FLOWS FROM OPERATING ACTIVITIES    
Net income $ 6,549,000 $ 5,244,000
Adjustments to reconcile net income to net cash and cash equivalents provided by operating activities:    
Amortization of premiums and accretion of discounts on securities, net 830,000 1,102,000
Depreciation and amortization expense 509,000 543,000
Deferred income taxes (168,000) (200,000)
Stock compensation expense 145,000 196,000
Increase in cash value of life insurance (111,000) (113,000)
Loss on sale of securities 14,000 0
Provision for credit losses 543,000 375,000
Proceeds from sales of loans 12,871,000 29,574,000
Loans originated for sale (12,884,000) (27,217,000)
Gain on sale of loans (190,000) (550,000)
Amortization of tax credit investment 170,000 177,000
Unrealized (gain) loss on equity securities (45,000) 36,000
Net realized and unrealized gain on foreclosed real estate 0 (15,000)
Increase in accrued interest receivable (51,000) (378,000)
Increase (decrease) in accrued interest payable 582,000 (18,000)
Net change in other assets/liabilities (1,101,000) (1,655,000)
Net Cash Provided By Operating Activities 7,663,000 7,101,000
CASH FLOWS FROM INVESTING ACTIVITIES    
Net (increase) decrease in interest-bearing time deposits (977,000) 453,000
Purchase of securities available for sale (20,144,000) (70,693,000)
Purchase of securities held to maturity 0 (5,000,000)
Proceeds from maturities of securities available for sale 9,885,000 4,051,000
Proceeds from sales of securities available for sale 10,816,000 0
Principal collected on mortgage-backed obligations 7,908,000 12,714,000
Net increase in loans receivable (26,153,000) (44,385,000)
Investment in technology fund (150,000) 0
Investment in tax credit entity (100,000) 0
Proceeds from sale of foreclosed real estate 0 39,000
Proceeds from redemption of Federal Home Loan Bank stock 0 152,000
Purchase of premises and equipment (292,000) (186,000)
Net Cash Used In Investing Activities (19,207,000) (102,855,000)
CASH FLOWS FROM FINANCING ACTIVITIES    
Net (decrease) increase in deposits (17,955,000) 49,081,000
Net increase in borrowed funds 13,000,000 0
Purchase of treasury stock (502,000) 0
Dividends paid (1,826,000) (1,768,000)
Net Cash (Used In) Provided By Financing Activities (7,283,000) 47,313,000
Net Decrease in Cash and Cash Equivalents (18,827,000) (48,441,000)
Cash and cash equivalents at beginning of period 66,298,000 172,509,000
Cash and Cash Equivalents at End of Period $ 47,471,000 $ 124,068,000