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Statements of Cash Flows - USD ($)
 6 Months Ended
Jun. 30, 2024
Jun. 30, 2023
Cash Flows from Operating Activities    
Net Income (Loss) $ (449,000) $ 580,000
Adjustments to Reconcile Net Income (Loss) to Net Cash Provided by (Used in) Operating Activities    
Recovery of Credit Losses (1,100,000)  
Gain on Sale of Premises and Equipment (141,000)  
Depreciation 353,000 270,000
Net Amortization of Deferred Loan Costs 3,000 19,000
Net Amortization on Investment Securities 111,000 156,000
Loss on Sale of Investment Securities 1,144,000  
Federal Home Loan Bank Stock Dividend (14,000) (11,000)
Increase in Cash Surrender Value on Bank Owned Life Insurance (181,000) (148,000)
Changes in Operating Assets and Liabilities    
Accrued Interest Receivable (314,000) 81,000
Other Assets (1,160,000) (453,000)
Other Liabilities 593,000 453,000
Net Cash Provided by (Used in) Operating Activities (1,155,000) 947,000
Proceeds from Sale or Maturities of Investment Securities    
Proceeds from Sale or Maturities of Investment Securities Available-for-Sale 21,369,000 5,859,000
Purchases of Investment Securities Available-for-Sale (25,970,000) (1,000,000)
Proceeds from Maturities of Certificates of Deposit at Other Financial Institutions   249,000
Increase in Loans Receivable, Net (1,772,000) (10,596,000)
Proceeds from Sale of Premises and Equipment 510,000  
Purchases of Premises and Equipment (460,000) (930,000)
Net Cash Used in Investing Activities (6,323,000) (6,418,000)
Cash Flows from Financing Activities    
Increase in Deposits, Net 38,591,000 109,000
Federal Home Loan Bank Advances (4,000,000)  
Advances by Borrowers for Taxes, Insurance, and Repairs (204,000) (760,000)
Net Cash Provided by (Used in) Financing Activities 34,387,000 (651,000)
Net Increase (Decrease) in Cash and Cash Equivalents 26,909,000 (6,122,000)
Cash and Cash Equivalents, Beginning of Year 19,306,000 20,036,000
Cash and Cash Equivalents, End of Year 46,215,000 13,914,000
Supplemental Disclosures of Cash Flow Information    
Cash Paid During the Period for Interest 4,472,000 2,200,000
Cash Paid During the Period for Taxes   125,000
Market Value Adjustment for Unrealized Loss on Investment Securities Available-for-Sale $ 862,000 $ 258,000