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Statements of Cash Flows - USD ($)
 3 Months Ended
Mar. 31, 2024
Mar. 31, 2023
Cash Flows from Operating Activities    
Net Income (Loss) $ (1,132,000) $ 376,000
Adjustments to Reconcile Net Income (Loss) to Net Cash Provided by (Used in) Operating Activities    
Recovery of Credit Losses on Loans (100,000)  
Depreciation 165,000 134,000
Net Amortization of Deferred Loan Costs 7,000 3,000
Net Amortization on Investment Securities 68,000 96,000
Net Loss on Sale of Investment Securities 1,144,000  
Federal Home Loan Bank Stock Dividend (7,000) (5,000)
Increase in Cash Surrender Value on Bank Owned Life Insurance (83,000) (61,000)
Changes in Operating Assets and Liabilities    
Accrued Interest Receivable (165,000) 94,000
Other Assets (957,000) (169,000)
Other Liabilities 290,000 199,000
Net Cash Provided by (Used in) Operating Activities (770,000) 667,000
Proceeds from Sale or Maturities of Investment Securities    
Proceeds from Sale or Maturities of Investment Securities Available-for-Sale 19,741,000 2,861,000
Purchases of Investment Securities Available-for-Sale (6,445,000) (1,000,000)
Proceeds from Maturities of Certificates of Deposit at Other Financial Institutions   249,000
Increase in Loans Receivable, Net (272,000) (5,773,000)
Purchases of Premises and Equipment (344,000) (684,000)
Net Cash Provided by (Used in) Investing Activities 12,680,000 (4,347,000)
Cash Flows from Financing Activities    
Increase in Deposits, Net 10,383,000 5,715,000
Federal Home Loan Bank Advances (4,000,000)  
Advances by Borrowers for Taxes, Insurance, and Repairs (974,000) (1,473,000)
Net Cash Provided by Financing Activities 5,409,000 4,242,000
Net Increase in Cash and Cash Equivalents 17,319,000 562,000
Cash and Cash Equivalents, Beginning of Year 19,306,000 20,036,000
Cash and Cash Equivalents, End of Year 36,625,000 20,598,000
Supplemental Disclosures of Cash Flow Information    
Cash Paid During the Period for Interest 2,135,000 898,000
Market Value Adjustment for Unrealized Loss on Investment Securities Available-for-Sale $ 1,526,000 $ 668,000