CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($)		3 Months Ended
		Mar. 31, 2023	Mar. 31, 2022
CASH FLOWS FROM OPERATING ACTIVITIES:
Net income		$ 7,270,000	$ 6,867,000
Adjustments to reconcile net income to net cash provided by operating activities:
Amortization (increase in) of right-of-use assets		199,000	199,000
Amortization of intangible assets		0	11,000
Provision for credit losses	[1]	277,000	(1,145,000)
Loss on disposal of fixed assets		0	20,000
Depreciation and amortization of fixed assets		533,000	579,000
Amortization of premiums on securities, net		656,000	1,146,000
Gain on sales of loans held for sale, net		(5,000)	(74,000)
Proceeds from sales of loans held for sale		210,000	3,901,000
Loans originated and held for sale		(205,000)	(3,776,000)
Net change in fair value of equity investments		(72,000)	113,000
Purchase of equity investments		(47,000)	(98,000)
Increase in other assets and accrued interest receivable		(132,000)	(1,418,000)
Increase in accrued interest payable		636,000	17,000
Expense related to restricted stock units for directors' deferred compensation plan		5,000	5,000
Expense related to employee stock compensation		131,000	0
Expense related to employee restricted stock awards		263,000	179,000
Increases in (payments on) operating leases		(193,000)	(192,000)
Net (gain) loss on interest rate swaps		11,000	(138,000)
Increase (decrease) in other liabilities		1,159,000	(201,000)
Income from bank owned life insurance		(10,000)	(11,000)
Net cash provided by operating activities		10,686,000	5,984,000
CASH FLOWS FROM INVESTING ACTIVITIES:
Proceeds from maturities, calls, and principal paydowns on securities available for sale		15,901,000	24,813,000
Proceeds from maturities and principal collected on securities held to maturity		492,000	211,000
Purchases of securities available for sale		(2,199,000)	(22,388,000)
Purchase of FHLBNY and FRBNY stock		(16,853,000)	(1,304,000)
Redemption of FHLBNY and FRBNY stock		17,137,000	1,946,000
Proceeds from sales of fixed assets		0	125,000
Purchases of premises and equipment		(287,000)	(15,000)
Net increase in loans		(44,114,000)	(48,365,000)
Net cash used in investing activities		(29,923,000)	(44,977,000)
CASH FLOWS FROM FINANCING ACTIVITIES:
Net (decrease) increase in demand deposits, interest-bearing demand accounts, savings accounts, and insured money market accounts		(44,507,000)	35,187,000
Increase in time deposits		49,709,000	58,972,000
Net change in FHLB overnight advances		(5,740,000)	(14,570,000)
Payments made on finance leases		(69,000)	(67,000)
Purchase of treasury stock		(98,000)	(695,000)
Sale of treasury stock		169,000	118,000
Cash dividends paid		(1,455,000)	(1,450,000)
Net cash (used in) provided by financing activities		(1,991,000)	77,495,000
Net (decrease) increase in cash and cash equivalents		(21,228,000)	38,502,000
Cash and cash equivalents, beginning of period		55,869,000	26,981,000
Cash and cash equivalents, end of period		34,641,000	65,483,000
Cash paid for:
Interest		5,647,000	764,000
Income taxes		4,305,000	115,000
Supplemental disclosure of non-cash activity:
Transfer of loans to other real estate owned		0	137,000
Dividends declared, not yet paid		$ 1,460,000	$ 1,449,000

[1] Effective January 1, 2023, the allowance calculation is based upon Current Expected Credit loss methodology. Prior to January 1, 2023, the allowance calculation was based upon incurred loss methodology. Refer to Note 1 for further discussion.