Consolidated Statements of Cash Flows (Unaudited) - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2020	Jun. 30, 2019
Net income	$ 4,539	$ 5,014
Adjustments to reconcile net income to net cash and cash equivalents provided by operating activities:
Amortization of premiums and accretion of discounts on securities, net	1,057	804
Depreciation and amortization expense	605	526
Deferred income taxes	(402)	(240)
Stock compensation expense	197	118
Increase in cash value of life insurance	(117)	(118)
Loss on sale of securities and time deposits	0	97
Provision for loan losses	1,176	750
Proceeds from sales of loans	62,934	22,264
Loans originated for sale	(64,918)	(22,959)
Gain on sale of loans	(1,051)	(418)
Amortization of tax credit investment	182	169
Unrealized (gain) loss on equity securities	171	(117)
Net realized and unrealized loss on foreclosed real estate	0	273
Increase in accrued interest receivable	(227)	(159)
Increase (decrease) in accrued interest payable	(23)	22
Net change in other assets/liabilities	119	73
Net Cash Provided By Operating Activities	4,242	6,099
CASH FLOWS FROM INVESTING ACTIVITIES
Proceeds from maturities of interest-bearing time deposits	445	1,180
Proceeds from sales of interest-bearing time deposits	0	1,460
Purchase of interest-bearing time deposits	(489)	(1,185)
Purchase of securities available for sale	(39,764)	(31,956)
Proceeds from maturities of securities available for sale	20,440	22,645
Proceeds from sales of securities available for sale	0	5,437
Principal collected on mortgage-backed obligations	20,854	11,835
Net increase in loans receivable	(33,532)	(26,535)
Investment in tax credit entity	(848)	(392)
Proceeds from sale of foreclosed real estate	170	77
Purchase of premises and equipment	(267)	(635)
Net Cash Used In Investing Activities	32,991	18,069
CASH FLOWS FROM FINANCING ACTIVITIES
Net increase in deposits	85,459	32,981
Purchase of treasury stock	14	2
Dividends paid	(1,635)	(1,595)
Net Cash Provided By Financing Activities	83,810	31,384
Net Increase in Cash and Cash Equivalents	55,061	19,414
Cash and cash equivalents at beginning of period	51,360	41,112
Cash and Cash Equivalents at End of Period	$ 106,421	$ 60,526