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CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($)
 6 Months Ended
Jun. 30, 2024
Jun. 30, 2023
OPERATING ACTIVITIES    
Net income $ 1,529,000 $ 1,328,000
Adjustments to reconcile net income to net cash (used in) provided by operating activities:    
Provision (recovery) for credit losses (123,000) 1,222,000
Depreciation and amortization expense 1,023,000 1,055,000
Amortization expense of core deposit intangible 13,000 15,000
Amortization of fair value adjustment on acquired time deposits (5,000) (23,000)
Net amortization of investment securities 29,000 29,000
Net amortization of deferred loan fees (58,000) (61,000)
Net gains on loans held for sale (69,000) (64,000)
Origination of mortgage loans held for sale (4,684,000) (3,961,000)
Sales of mortgage loans held for sale 4,658,000 3,524,000
(Increase) decrease in accrued interest receivable (268,000) 14,000
(Decrease) increase in accrued interest payable (47,000) 1,234,000
Earnings on bank-owned life insurance (577,000) (481,000)
Deferred income taxes 344,000 (257,000)
Stock compensation expense 8,000 24,000
Net change in operating leases (83,000) (31,000)
Other, net (2,140,000) (1,073,000)
Net cash (used in) provided by operating activities (450,000) 2,494,000
INVESTING ACTIVITIES    
Purchase of investment securities - available for sale (6,915,000) (4,999,000)
Purchase of investment securities - held to maturity (4,490,000) (1,943,000)
Proceeds from maturities of investment securities - available for sale 7,327,000 10,484,000
Proceeds from maturities of investment securities - held to maturity 1,935,000 1,848,000
Proceeds from sales of investment securities - available for sale 935,000 0
Purchase of regulatory stock (7,042,000) (10,033,000)
Proceeds from redemption of regulatory stock 6,962,000 11,357,000
Long-term loans originated (84,987,000) (86,294,000)
Principal collected on long-term loans 82,068,000 89,399,000
Purchases of premises and equipment (1,158,000) (623,000)
Proceeds from sale of other real estate owned and repossessed assets 95,000 39,000
Proceeds from life insurance policies 711,000  
Net cash (used in) provided by investing activities (4,559,000) 9,235,000
FINANCING ACTIVITIES    
Net increase in deposit balances 12,004,000 19,055,000
Net decrease in other short-term borrowings (6,368,000) (31,965,000)
Principal borrowings on advances from Federal Home Loan Bank 14,260,000 10,920,000
Principal repayments on advances from Federal Home Loan Bank (7,910,000) (14,568,000)
Principal payments on financing lease liabilities (81,000) (112,000)
Stock options exercised   94,000
Purchases of treasury stock (1,511,000)  
Common stock dividend paid (1,029,000) (1,029,000)
Net cash provided by (used in) financing activities 9,365,000 (17,605,000)
NET INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS 4,356,000 (5,876,000)
CASH AND CASH EQUIVALENTS AT JANUARY 1 14,027,000 22,962,000
CASH AND CASH EQUIVALENTS AT JUNE 30 $ 18,383,000 $ 17,086,000