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CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($)
 9 Months Ended
Sep. 30, 2021
Sep. 30, 2020
OPERATING ACTIVITIES    
Net income $ 5,220,000 $ 3,906,000
Adjustments to reconcile net income to net cash provided by (used in) operating activities:    
Provision for loan losses 850,000 1,300,000
Depreciation and amortization expense 1,508,000 1,472,000
Amortization expense of core deposit intangible 11,000  
Amortization of fair value adjustment on acquired time deposits (58,000)  
Net amortization of investment securities 189,000 206,000
Net realized gains on investment securities - available for sale (84,000)  
Net gains on loans held for sale (632,000) (1,079,000)
Net amortization of deferred loan fees (967,000) (339,000)
Origination of mortgage loans held for sale (10,467,000) (71,330,000)
Sales of mortgage loans held for sale 17,349,000 69,690,000
Decrease (increase) in accrued interest receivable 148,000 (2,273,000)
Decrease in accrued interest payable (731,000) (499,000)
Earnings on bank-owned life insurance (771,000) (438,000)
Deferred income taxes 1,023,000 609,000
Stock compensation expense 30,000 2,000
Net change in operating leases (71,000) (67,000)
Other, net (4,968,000) (5,564,000)
Net cash provided by (used in) operating activities 7,579,000 (4,404,000)
INVESTING ACTIVITIES    
Purchase of investment securities - available for sale (48,951,000) (23,706,000)
Purchase of investment securities - held to maturity (15,272,000) (6,648,000)
Proceeds from maturities of investment securities - available for sale 30,314,000 25,871,000
Proceeds from maturities of investment securities - held to maturity 5,490,000 3,883,000
Proceeds from sales of investment securities - available for sale 960,000 0
Purchase of regulatory stock (1,245,000) (6,252,000)
Proceeds from redemption of regulatory stock 2,842,000 6,084,000
Long-term loans originated (232,781,000) (207,028,000)
Principal collected on long-term loans 209,771,000 147,958,000
Purchases of premises and equipment (834,000) (1,094,000)
Proceeds from sale of other real estate owned   21,000
Cash acquired in branch acquisition, net 40,431,000  
Proceeds from life insurance policies 645,000  
Net cash used in investing activities (8,630,000) (60,911,000)
FINANCING ACTIVITIES    
Net increase in deposit balances 47,097,000 81,722,000
Net decrease in other short-term borrowings (24,702,000) (16,518,000)
Principal borrowings on advances from Federal Home Loan Bank   34,210,000
Principal repayments on advances from Federal Home Loan Bank (21,336,000) (13,542,000)
Principal payments on financing lease liabilities (156,000) (151,000)
Redemption of guaranteed junior subordinated deferrable interest debentures (13,085,000)  
Subordinated debt issuance, net 26,597,000  
Redemption of subordinated debt (7,650,000)  
Stock options exercised 39,000 75,000
Purchases of treasury stock   (151,000)
Common stock dividend paid (1,280,000) (1,290,000)
Net cash provided by financing activities 5,524,000 84,355,000
NET INCREASE IN CASH AND CASH EQUIVALENTS 4,473,000 19,040,000
CASH AND CASH EQUIVALENTS AT JANUARY 1 31,504,000 22,168,000
CASH AND CASH EQUIVALENTS AT SEPTEMBER 30 $ 35,977,000 $ 41,208,000