CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2018	Mar. 31, 2017
OPERATING ACTIVITIES
Net income	$ 1,767	$ 1,348
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for loan losses	50	225
Depreciation expense	405	428
Net amortization of investment securities	103	126
Net realized (gains) losses on investment securities available for sale	148	(27)
Net gains on loans held for sale	(98)	(114)
Amortization of deferred loan fees	(35)	(51)
Origination of mortgage loans held for sale	(4,061)	(7,583)
Sales of mortgage loans held for sale	6,441	8,178
(Increase) decrease in accrued interest income receivable	48	(84)
Decrease in accrued interest payable	(121)	(139)
Earnings on bank owned life insurance	(132)	(141)
Deferred income taxes	447	623
Amortization of deferred issuance costs	9	10
Stock based compensation expense	32	42
Other, net	(1,410)	(233)
Net cash provided by operating activities	3,593	2,608
INVESTING ACTIVITIES
Purchases of investment securities - available for sale	(13,168)	(14,195)
Purchases of investment securities - held to maturity	(855)	(6,476)
Proceeds from sales of investment securities - available for sale	4,479	5,653
Proceeds from maturities of investment securities - available for sale	3,695	6,570
Proceeds from maturities of investment securities - held to maturity	917	375
Purchases of regulatory stock	(3,924)	(4,531)
Proceeds from redemption of regulatory stock	4,334	3,606
Long-term loans originated	(28,694)	(50,495)
Principal collected on long-term loans	44,999	37,520
Loans purchased or participated	(2,000)	(150)
Proceeds from sale of other real estate owned	12	23
Purchases of premises and equipment	(77)	(702)
Net cash provided by (used in) investing activities	9,718	(22,802)
FINANCING ACTIVITIES
Net decrease in deposit balances	(3,739)	(3,010)
Net increase (decrease) in other short-term borrowings	(12,189)	20,922
Principal borrowings on advances from Federal Home Loan Bank	1,740	3,500
Principal repayments on advances from Federal Home Loan Bank	(2,000)	(3,000)
Purchase of treasury stock	(445)	(992)
Common stock dividends	(272)	(283)
Net cash provided by (used in) financing activities	(16,905)	17,137
NET DECREASE IN CASH AND CASH EQUIVALENTS	(3,594)	(3,057)
CASH AND CASH EQUIVALENTS AT JANUARY 1	34,188	34,073
CASH AND CASH EQUIVALENTS AT MARCH 31	$ 30,594	$ 31,016