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CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($)
 12 Months Ended
Dec. 31, 2021
Dec. 31, 2020
Dec. 31, 2019
OPERATING ACTIVITIES      
Net income $ 7,072,000 $ 4,598,000 $ 6,028,000
Adjustments to reconcile net income to net cash provided by (used in) operating activities:      
Provision for loan losses 1,100,000 2,375,000 800,000
Depreciation and amortization expense 2,016,000 1,996,000 1,873,000
Amortization expense of core deposit intangible 19,000    
Amortization of fair value adjustment on acquired time deposits (98,000)    
Net amortization of investment securities 222,000 285,000 279,000
Net realized gains on investment securities - available for sale (84,000)   (118,000)
Impairment charge on other investments     500,000
Net gains on loans held for sale (664,000) (1,523,000) (865,000)
Net amortization of deferred loan fees (1,351,000) (707,000) (142,000)
Origination of mortgage loans held for sale (13,806,000) (87,140,000) (49,460,000)
Sales of mortgage loans held for sale 19,737,000 87,281,000 46,304,000
Decrease (increase) in accrued interest receivable 1,084,000 (1,619,000) 40,000
Increase (decrease) in accrued interest payable (490,000) (525,000) 546,000
Earnings on bank-owned life insurance (1,117,000) (782,000) (521,000)
Deferred income taxes 729,000 1,614,000 179,000
Stock compensation expense 43,000 3,000 7,000
Net change in operating leases (94,000) (89,000) (67,000)
Other, net (4,379,000) (7,140,000) (493,000)
Net cash provided by (used in) operating activities 9,939,000 (1,373,000) 4,890,000
INVESTING ACTIVITIES      
Purchase of investment securities - available for sale (61,578,000) (36,519,000) (18,084,000)
Purchase of investment securities - held to maturity (16,272,000) (9,359,000) (2,257,000)
Proceeds from maturities of investment securities - available for sale 38,826,000 36,215,000 23,559,000
Proceeds from maturities of investment securities - held to maturity 6,665,000 4,985,000 3,007,000
Proceeds from sales of investment securities - available for sale 960,000   3,374,000
Purchase of regulatory stock (1,799,000) (9,979,000) (13,557,000)
Proceeds from redemption of regulatory stock 3,928,000 9,143,000 14,092,000
Long-term loans originated (313,125,000) (301,210,000) (205,603,000)
Principal collected on long-term loans 301,498,000 212,179,000 185,054,000
Purchases of premises and equipment (1,241,000) (1,325,000) (2,821,000)
Proceeds from sale of other real estate owned and repossessed assets 8,000 63,000 214,000
Cash acquired in branch acquisition, net 40,431,000    
Proceeds from life insurance policies 1,211,000 490,000  
Net cash used in investing activities (488,000) (95,317,000) (13,022,000)
FINANCING ACTIVITIES      
Net increase in deposit balances 42,124,000 94,407,000 11,342,000
Net increase (decrease) in other short-term borrowings (24,702,000) 2,290,000 (18,617,000)
Principal borrowings on advances from Federal Home Loan Bank 2,000,000 36,050,000 22,527,000
Principal repayments on advances from Federal Home Loan Bank (24,336,000) (24,729,000) (15,580,000)
Principal payments on financing lease liabilities (210,000) (203,000) (173,000)
Redemption of guaranteed junior subordinated deferrable interest debentures (12,018,000)    
Subordinated debt issuance, net 26,589,000    
Redemption of subordinated debt (7,650,000)    
Stock options exercised 57,000 78,000 99,000
Purchases of treasury stock   (151,000) (2,550,000)
Common stock dividend paid (1,708,000) (1,716,000) (1,642,000)
Net cash provided by (used in) financing activities 146,000 106,026,000 (4,594,000)
NET INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS 9,597,000 9,336,000 (12,726,000)
CASH AND CASH EQUIVALENTS AT JANUARY 1 31,504,000 22,168,000 34,894,000
CASH AND CASH EQUIVALENTS AT DECEMBER 31 $ 41,101,000 $ 31,504,000 $ 22,168,000