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CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($)
 6 Months Ended
Jun. 30, 2022
Jun. 30, 2021
OPERATING ACTIVITIES    
Net income $ 4,399,000 $ 3,789,000
Adjustments to reconcile net income to net cash provided by operating activities:    
Provision (credit) for loan losses (725,000) 500,000
Depreciation and amortization expense 1,029,000 1,021,000
Amortization expense of core deposit intangible 16,000 3,000
Amortization of fair value adjustment on acquired time deposits (63,000) (15,000)
Net amortization of investment securities 63,000 120,000
Net realized gains on investment securities - available for sale   (84,000)
Net gains on loans held for sale (130,000) (617,000)
Net amortization of deferred loan fees (396,000) (737,000)
Origination of mortgage loans held for sale (7,518,000) (10,620,000)
Sales of mortgage loans held for sale 7,377,000 17,334,000
(Increase) decrease in accrued interest receivable (110,000) 183,000
Decrease in accrued interest payable (346,000) (604,000)
Earnings on bank-owned life insurance (440,000) (550,000)
Deferred income taxes 455,000 905,000
Stock compensation expense 26,000 17,000
Net change in operating leases (48,000) (47,000)
Other, net (2,541,000) (1,347,000)
Net cash provided by operating activities 1,048,000 9,251,000
INVESTING ACTIVITIES    
Purchase of investment securities - available for sale (34,396,000) (45,456,000)
Purchase of investment securities - held to maturity (7,114,000) (11,275,000)
Proceeds from maturities of investment securities - available for sale 12,427,000 21,965,000
Proceeds from maturities of investment securities - held to maturity 1,836,000 1,905,000
Proceeds from sales of investment securities - available for sale 0 960,000
Purchase of regulatory stock (1,100,000) (738,000)
Proceeds from redemption of regulatory stock 1,404,000 2,662,000
Long-term loans originated (104,816,000) (163,670,000)
Principal collected on long-term loans 125,814,000 143,733,000
Purchases of premises and equipment (1,033,000) (625,000)
Proceeds from sale of other real estate owned and repossessed assets 14,000  
Cash acquired in branch acquisition, net   40,431,000
Proceeds from life insurance policies   645,000
Net cash used in investing activities (6,964,000) (9,463,000)
FINANCING ACTIVITIES    
Net increase in deposit balances 3,441,000 71,405,000
Net decrease in other short-term borrowings   (24,702,000)
Principal repayments on advances from Federal Home Loan Bank (8,625,000) (16,840,000)
Principal payments on financing lease liabilities (108,000) (104,000)
Stock options exercised 80,000 39,000
Common stock dividend paid (941,000) (853,000)
Net cash (used in) provided by financing activities (6,153,000) 28,945,000
NET (DECREASE) INCREASE IN CASH AND CASH EQUIVALENTS (12,069,000) 28,733,000
CASH AND CASH EQUIVALENTS AT JANUARY 1 41,101,000 31,504,000
CASH AND CASH EQUIVALENTS AT JUNE 30 $ 29,032,000 $ 60,237,000