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CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($)
 3 Months Ended
Mar. 31, 2022
Mar. 31, 2021
OPERATING ACTIVITIES    
Net income $ 2,418,000 $ 2,081,000
Adjustments to reconcile net income to net cash provided by operating activities:    
Provision (credit) for loan losses (400,000) 400,000
Depreciation and amortization expense 508,000 504,000
Amortization expense of core deposit intangible 8,000  
Amortization of fair value adjustment on acquired time deposits (37,000)  
Net amortization of investment securities 41,000 78,000
Net gains on loans held for sale (95,000) (495,000)
Net amortization of deferred loan fees (241,000) (430,000)
Origination of mortgage loans held for sale (3,844,000) (9,208,000)
Sales of mortgage loans held for sale 4,602,000 14,645,000
Increase in accrued interest receivable (400,000) (253,000)
Decrease in accrued interest payable (553,000) (454,000)
Earnings on bank-owned life insurance (209,000) (332,000)
Deferred income taxes 589,000 506,000
Stock compensation expense 13,000 4,000
Net change in operating leases (24,000) (24,000)
Other, net (567,000) (259,000)
Net cash provided by operating activities 1,809,000 6,763,000
INVESTING ACTIVITIES    
Purchase of investment securities - available for sale (16,989,000) (25,443,000)
Purchase of investment securities - held to maturity (5,119,000) (4,365,000)
Proceeds from maturities of investment securities - available for sale 7,847,000 11,626,000
Proceeds from maturities of investment securities - held to maturity 438,000 790,000
Purchase of regulatory stock (15,000) (713,000)
Proceeds from redemption of regulatory stock 207,000 2,379,000
Long-term loans originated (43,853,000) (82,718,000)
Principal collected on long-term loans 50,700,000 69,880,000
Purchases of premises and equipment (372,000) (298,000)
Proceeds from life insurance policies   645,000
Net cash used in investing activities (7,156,000) (28,217,000)
FINANCING ACTIVITIES    
Net increase in deposit balances 1,548,000 62,171,000
Net decrease in other short-term borrowings   (24,702,000)
Principal repayments on advances from Federal Home Loan Bank (4,790,000) (9,840,000)
Principal payments on financing lease liabilities (54,000) (52,000)
Stock options exercised 80,000 24,000
Common stock dividend paid (427,000) (427,000)
Net cash (used in) provided by financing activities (3,643,000) 27,174,000
NET (DECREASE) INCREASE IN CASH AND CASH EQUIVALENTS (8,990,000) 5,720,000
CASH AND CASH EQUIVALENTS AT JANUARY 1 41,101,000 31,504,000
CASH AND CASH EQUIVALENTS AT MARCH 31 $ 32,111,000 $ 37,224,000