Ohio Valley Banc (OVBC) 10-Q 15 Nov 21 2021 Q3 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	9 Months Ended
	Sep. 30, 2021	Nov. 15, 2021
Cover [Abstract]
Document Type	10-Q
Amendment Flag	false
Document Quarterly Report	true
Document Period End Date	Sep. 30, 2021
Current Fiscal Year End Date	--12-31
Document Transition Report	false
Entity Registrant Name	OHIO VALLEY BANC CORP
Entity Incorporation, State or Country Code	OH
Entity File Number	0-20914
Entity Tax Identification Number	31-1359191
Entity Address, Address Line One	420 Third Avenue
Entity Address, Address Line Two	PO BOX 240
Entity Address, City or Town	Gallipolis
Entity Address, State or Province	OH
Entity Address, Postal Zip Code	45631
City Area Code	740
Local Phone Number	446-2631
Entity Filer Category	Non-accelerated Filer
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity Small Business	true
Entity Common Stock, Shares Outstanding		4,770,877
Document Fiscal Year Focus	2021
Document Fiscal Period Focus	Q3
Entity Central Index Key	0000894671
Title of 12(b) Security	Common shares, without par value
Trading Symbol	OVBC
Security Exchange Name	NASDAQ

CONSOLIDATED BALANCE SHEETS (UN

CONSOLIDATED BALANCE SHEETS (UNAUDITED) - USD ($) $ in Thousands	Sep. 30, 2021	Dec. 31, 2020
ASSETS
Cash and noninterest-bearing deposits with banks	$ 14,328	$ 14,989
Interest-bearing deposits with banks	120,736	123,314
Total cash and cash equivalents	135,064	138,303
Certificates of deposit in financial institutions	2,500	2,500
Securities available for sale	173,448	112,322
Securities held to maturity (estimated fair value: 2021 - $9,949; 2020 - $10,344)	9,753	10,020
Restricted investments in bank stocks	7,265	7,506
Total loans	845,733	848,664
Less: Allowance for loan losses	(6,664)	(7,160)
Net loans	839,069	841,504
Premises and equipment, net	20,811	21,312
Premises and equipment held for sale, net	441	637
Other real estate owned, net	0	49
Accrued interest receivable	3,118	3,319
Goodwill	7,319	7,319
Other intangible assets, net	74	112
Bank owned life insurance and annuity assets	37,078	35,999
Operating lease right-of-use asset, net	1,235	880
Other assets	8,203	5,150
Total assets	1,245,378	1,186,932
LIABILITIES
Noninterest-bearing deposits	331,195	314,777
Interest-bearing deposits	720,480	678,962
Total deposits	1,051,675	993,739
Other borrowed funds	23,285	27,863
Subordinated debentures	8,500	8,500
Operating lease liability	1,235	880
Accrued liabilities	19,753	19,626
Total liabilities	1,104,448	1,050,608
COMMITMENTS AND CONTINGENT LIABILITIES (See Note 5)
SHAREHOLDERS' EQUITY
Common stock ($1.00 stated value per share, 10,000,000 shares authorized; 5,447,185 shares issued)	5,447	5,447
Additional paid-in capital	51,165	51,165
Retained earnings	99,400	92,988
Accumulated other comprehensive income	1,088	2,436
Treasury stock, at cost (2021 - 676,308 shares, 2020 - 659,739 shares)	(16,170)	(15,712)
Total shareholders' equity	140,930	136,324
Total liabilities and shareholders' equity	$ 1,245,378	$ 1,186,932

CONSOLIDATED BALANCE SHEETS (_2

CONSOLIDATED BALANCE SHEETS (UNAUDITED) (Parenthetical) - USD ($) $ in Thousands	Sep. 30, 2021	Dec. 31, 2020
ASSETS
Securities held to maturity, fair value	$ 9,949	$ 10,344
SHAREHOLDERS' EQUITY
Common stock, par value (in dollars per share)	$ 1	$ 1
Common stock, shares authorized (in shares)	10,000,000	10,000,000
Common stock, shares issued (in shares)	5,447,185	5,447,185
Treasury stock, shares (in shares)	676,308	659,739

CONSOLIDATED STATEMENTS OF INCO

CONSOLIDATED STATEMENTS OF INCOME (UNAUDITED) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2021	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020
Interest and dividend income:
Loans, including fees	$ 10,522	$ 10,877	$ 31,649	$ 32,389
Securities
Taxable	527	535	1,411	1,723
Tax exempt	61	73	180	220
Dividends	58	58	174	188
Interest-bearing deposits with banks	50	20	111	200
Other Interest	8	11	26	38
Total interest and dividend income	11,226	11,574	33,551	34,758
Interest expense:
Deposits	692	1,274	2,374	4,150
Other borrowed funds	136	174	436	561
Subordinated debentures	39	44	119	166
Total interest expense	867	1,492	2,929	4,877
Net interest income	10,359	10,082	30,622	29,881
Provision for loan losses	(93)	(2)	(118)	3,451
Net interest income after provision for loan losses	10,452	10,084	30,740	26,430
Noninterest income:
Service charges on deposit accounts	514	423	1,309	1,249
Trust fees	70	64	212	193
Income from bank owned life insurance and annuity assets	253	207	701	616
Mortgage banking income	179	445	544	966
Electronic refund check / deposit fees	0	0	675	0
Debit / credit card interchange income	1,237	1,130	3,460	3,003
Gain (loss) on other real estate owned	0	(1)	1	(84)
Tax preparation fees	3	9	752	643
Litigation settlement	0	0	0	2,000
Other	356	157	803	539
Total noninterest income	2,612	2,434	8,457	9,125
Noninterest expense:
Salaries and employee benefits	5,476	5,973	16,025	16,854
Occupancy	483	481	1,415	1,362
Furniture and equipment	287	284	852	824
Professional fees	425	525	1,282	1,596
Marketing expense	128	306	664	867
FDIC insurance	84	69	242	93
Data processing	667	538	1,902	1,841
Software	464	318	1,347	1,111
Foreclosed assets	10	38	32	117
Amortization of intangibles	11	14	38	48
Other	1,434	1,345	4,154	4,299
Total noninterest expense	9,469	9,891	27,953	29,012
Income before income taxes	3,595	2,627	11,244	6,543
Provision for income taxes	559	333	1,816	984
NET INCOME	$ 3,036	$ 2,294	$ 9,428	$ 5,559
Earnings per share (in dollars per share)	$ 0.63	$ 0.48	$ 1.97	$ 1.16

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (UNAUDITED) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2021	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (UNAUDITED) [Abstract]
Net Income	$ 3,036	$ 2,294	$ 9,428	$ 5,559
Other comprehensive income (loss):
Change in unrealized gain (loss) on available for sale securities	(85)	(267)	(1,706)	2,755
Related tax (expense) benefit	18	56	358	(579)
Total other comprehensive income (loss), net of tax	(67)	(211)	(1,348)	2,176
Total comprehensive income	$ 2,969	$ 2,083	$ 8,080	$ 7,735

CONSOLIDATED STATEMENTS OF CHAN

CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY (UNAUDITED) - USD ($) $ in Thousands	Common Stock [Member]	Additional Paid-in Capital [Member]	Retained Earnings [Member]	Accumulated Other Comprehensive Income (Loss) [Member]	Treasury Stock [Member]	Total
Beginning balance at Dec. 31, 2019	$ 5,447	$ 51,165	$ 86,751	$ 528	$ (15,712)	$ 128,179
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	0	0	5,559	0	0	5,559
Other comprehensive income (loss), net	0	0	0	2,176	0	2,176
Cash dividends, $.63 per share	0	0	(3,016)	0	0	(3,016)
Ending balance at Sep. 30, 2020	5,447	51,165	89,294	2,704	(15,712)	132,898
Beginning balance at Jun. 30, 2020	5,447	51,165	88,006	2,915	(15,712)	131,821
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	0	0	2,294	0	0	2,294
Other comprehensive income (loss), net	0	0	0	(211)	0	(211)
Cash dividends, $.63 per share	0	0	(1,006)	0	0	(1,006)
Ending balance at Sep. 30, 2020	5,447	51,165	89,294	2,704	(15,712)	132,898
Beginning balance at Dec. 31, 2020	5,447	51,165	92,988	2,436	(15,712)	136,324
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	0	0	9,428	0	0	9,428
Other comprehensive income (loss), net	0	0	0	(1,348)	0	(1,348)
Cash dividends, $.63 per share	0	0	(3,016)	0	0	(3,016)
Shares acquired for treasury, 16,569 shares	0	0	0	0	(458)	(458)
Ending balance at Sep. 30, 2021	5,447	51,165	99,400	1,088	(16,170)	140,930
Beginning balance at Jun. 30, 2021	5,447	51,165	97,369	1,155	(15,712)	139,424
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	0	0	3,036	0	0	3,036
Other comprehensive income (loss), net	0	0	0	(67)	0	(67)
Cash dividends, $.63 per share	0	0	(1,005)	0	0	(1,005)
Shares acquired for treasury, 16,569 shares	0	0	0	0	(458)	(458)
Ending balance at Sep. 30, 2021	$ 5,447	$ 51,165	$ 99,400	$ 1,088	$ (16,170)	$ 140,930

CONSOLIDATED STATEMENTS OF CH_2

CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY (UNAUDITED) (Parenthetical) - $ / shares	3 Months Ended		9 Months Ended
	Sep. 30, 2021	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020
CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY (UNAUDITED) [Abstract]
Cash dividends, per share (in dollars per share)	$ 0.21	$ 0.21	$ 0.63	$ 0.63
Shares acquired for treasury (in shares)	16,569		16,569

CONDENSED CONSOLIDATED STATEMEN

CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS (UNAUDITED) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2021	Sep. 30, 2020
CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS (UNAUDITED) [Abstract]
Net cash provided by operating activities:	$ 8,080	$ 7,530
Investing activities:
Proceeds from maturities of securities available for sale	32,814	23,344
Purchases of securities available for sale	(96,240)	(25,884)
Proceeds from maturities of securities held to maturity	1,586	328
Purchase of securities held to maturity	(1,341)	0
Proceeds from maturities of certificates of deposit in financial institutions	735	735
Purchases of certificates of deposit in financial institutions	(735)	(1,120)
Redemptions of federal home loan bank stock	241	0
Net change in loans	2,548	(82,347)
Proceeds from sale of other real estate owned	49	446
Purchases of premises and equipment	(797)	(3,101)
Disposals of premises and equipment	486	0
Purchases of bank owned life insurance and annuity assets	(550)	(4,583)
Net cash (used in) investing activities	(61,204)	(92,182)
Financing activities:
Change in deposits	57,937	123,536
Cash dividends	(3,016)	(3,016)
Purchases of treasury stock	(458)	0
Proceeds from Federal Home Loan Bank borrowings	600	0
Repayment of Federal Home Loan Bank borrowings	(4,118)	(3,994)
Change in other long-term borrowings	0	(406)
Change in other short-term borrowings	(1,060)	(270)
Net cash provided by financing activities	49,885	115,850
Change in cash and cash equivalents	(3,239)	31,198
Cash and cash equivalents at beginning of period	138,303	52,356
Cash and cash equivalents at end of period	135,064	83,554
Supplemental disclosure:
Cash paid for interest	3,525	5,117
Cash paid for income taxes	2,400	1,950
Transfers from loans to other real estate owned	0	86
Proceeds from bank owned life insurance and annuity assets not settled	$ 173	$ 0

SUMMARY OF SIGNIFICANT ACCOUNTI

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	9 Months Ended
	Sep. 30, 2021
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	NOTE 1- SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES BASIS OF PRESENTATION: These interim financial statements are prepared by the Company without audit and reflect all adjustments of a normal recurring nature which, in the opinion of management, are necessary to present fairly the consolidated financial position of the Company at September 30, 2021, and its results of operations and cash flows for the periods presented. The results of operations for the three and nine months ended September 30, 2021 are not necessarily indicative of the operating results to be anticipated for the full fiscal year ending December 31, 2021. The accompanying consolidated financial statements do not purport to contain all the necessary financial disclosures required by U.S. generally accepted accounting principles (“US GAAP”) that might otherwise be necessary in the circumstances. The Annual Report of the Company for the year ended December 31, 2020 contains consolidated financial statements and related notes which should be read in conjunction with the accompanying consolidated financial statements. The consolidated financial statements for 2020 have been reclassified to conform to the presentation for 2021. These reclassifications had no effect on net income or shareholders’ equity. CURRENT EVENTS: The continued financial impact of COVID-19 depends largely on the actions taken by governmental authorities and other third parties. In addition, COVID-19 may continue to adversely impact several industries within our geographic footprint for some time and impair the ability of our customers to fulfill their contractual obligations to the Company. This could result in a material adverse effect on our business operations, asset valuations, liquidity, financial condition, and results of operations. These effects may include an increase in the Company’s allowance for loan losses and valuation impairments on the Company’s securities, impaired loans, goodwill, other real estate owned, and interest rate swap agreements. USE OF ESTIMATES IN THE PREPARATION OF FINANCIAL STATEMENTS: INDUSTRY SEGMENT INFORMATION: LOANS: Interest income is discontinued and the loan moved to non-accrual status when full loan repayment is in doubt, typically when the loan is impaired or payments are past due 90 days or over unless the loan is well-secured or in process of collection. Past due status is based on the contractual terms of the loan. In all cases, loans are placed on nonaccrual or charged-off at an earlier date if collection of principal or interest is considered doubtful. Nonaccrual loans and loans past due 90 days or over and still accruing include both smaller balance homogeneous loans that are collectively evaluated for impairment and individually classified impaired loans. All interest accrued but not received for loans placed on nonaccrual is reversed against interest income. Interest received on such loans is accounted for on the cash-basis method until qualifying for return to accrual. Loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured. The Bank also originates long-term, fixed-rate mortgage loans, with full intention of being sold to the secondary market. These loans are considered held for sale during the period of time after the principal has been advanced to the borrower by the Bank, but before the Bank has been reimbursed by the Federal Home Loan Mortgage Corporation, typically within a few business days. Loans sold to the secondary market are carried at the lower of aggregate cost or fair value. As of September 30, 2021, there were $858 in loans held for sale by the Bank, as compared to $70 in loans held for sale at December 31, 2020. ALLOWANCE FOR LOAN LOSSES: The allowance consists of specific and general components. The specific component relates to loans that are individually classified as impaired. A loan is impaired when, based on current information and events, it is probable that the Company will be unable to collect all amounts due according to the contractual terms of the loan agreement. Loans for which the terms have been modified and for which the borrower is experiencing financial difficulties are considered troubled debt restructurings and classified as impaired. Factors considered by management in determining impairment include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length and reasons for the delay, the borrower’s prior payment record, and the amount of shortfall in relation to the principal and interest owed. Commercial and commercial real estate loans are individually evaluated for impairment. If a loan is impaired, a portion of the allowance is allocated so that the loan is reported, net, at the present value of estimated future cash flows using the loan’s existing rate or at the fair value of collateral if repayment is expected solely from the collateral. Smaller balance homogeneous loans, such as consumer and most residential real estate, are collectively evaluated for impairment, and accordingly, they are not separately identified for impairment disclosure. Troubled debt restructurings are measured at the present value of estimated future cash flows using the loan’s effective rate at inception. If a troubled debt restructuring is considered to be a collateral dependent loan, the loan is reported, net, at the fair value of the collateral. For troubled debt restructurings that subsequently default, the Company determines the amount of reserve in accordance with the accounting policy for the allowance for loan losses. The general component covers non-impaired loans and impaired loans that are not individually reviewed for impairment and is based on historical loss experience adjusted for current factors. The historical loss experience is determined by portfolio segment and is based on the actual loss history experienced by the Company over the most recent 3 years for the consumer and real estate portfolio segment and 5 years for the commercial portfolio segment. The total loan portfolio’s actual loss experience is supplemented with other economic factors based on the risks present for each portfolio segment. These economic factors include consideration of the following: levels of and trends in delinquencies and impaired loans; levels of and trends in charge-offs and recoveries; trends in volume and terms of loans; effects of any changes in risk selection and underwriting standards; other changes in lending policies, procedures, and practices; experience, ability, and depth of lending management and other relevant staff; national and local economic trends and conditions; industry conditions; and effects of changes in credit concentrations. The following portfolio segments have been identified: Commercial and Industrial, Commercial Real Estate, Residential Real Estate, and Consumer. Commercial and industrial loans consist of borrowings for commercial purposes to individuals, corporations, partnerships, sole proprietorships, and other business enterprises. Commercial and industrial loans are generally secured by business assets such as equipment, accounts receivable, inventory, or any other asset excluding real estate and generally made to finance capital expenditures or operations. The Company’s risk exposure is related to deterioration in the value of collateral securing the loan should foreclosure become necessary. Generally, business assets used or produced in operations do not maintain their value upon foreclosure, which may require the Company to write down the value significantly to sell. Commercial real estate consists of nonfarm, nonresidential loans secured by owner-occupied and nonowner-occupied commercial real estate as well as commercial construction loans. An owner-occupied loan relates to a borrower purchased building or space for which the repayment of principal is dependent upon cash flows from the ongoing business operations conducted by the party, or an affiliate of the party, who owns the property. Owner-occupied loans that are dependent on cash flows from operations can be adversely affected by current market conditions for their product or service. A nonowner- occupied loan is a property loan for which the repayment of principal is dependent upon rental income associated with the property or the subsequent sale of the property. Nonowner-occupied loans that are dependent upon rental income are primarily impacted by local economic conditions which dictate occupancy rates and the amount of rent charged. Commercial construction loans consist of borrowings to purchase and develop raw land into 1-4 family residential properties. Construction loans are extended to individuals as well as corporations for the construction of an individual or multiple properties and are secured by raw land and the subsequent improvements. Repayment of the loans to real estate developers is dependent upon the sale of properties to third parties in a timely fashion upon completion. Should there be delays in construction or a downturn in the market for those properties, there may be significant erosion in value which may be absorbed by the Company. Residential real estate loans consist of loans to individuals for the purchase of 1-4 family primary residences with repayment primarily through wage or other income sources of the individual borrower. The Company’s loss exposure to these loans is dependent on local market conditions for residential properties as loan amounts are determined, in part, by the fair value of the property at origination. Consumer loans are comprised of loans to individuals secured by automobiles, open-end home equity loans and other loans to individuals for household, family, and other personal expenditures, both secured and unsecured. These loans typically have maturities of 6 years or less with repayment dependent on individual wages and income. The risk of loss on consumer loans is elevated as the collateral securing these loans, if any, rapidly depreciate in value or may be worthless and/or difficult to locate if repossession is necessary. The Company has allocated the highest percentage of its allowance for loan losses as a percentage of loans to the other identified loan portfolio segments due to the larger dollar balances associated with such portfolios. At September 30, 2021, there were no changes to the accounting policies or methodologies within any of the Company’s loan portfolio segments from the prior period. EARNINGS PER SHARE: ACCOUNTING GUIDANCE TO BE ADOPTED IN FUTURE PERIODS:

FAIR VALUE OF FINANCIAL INSTRUM

FAIR VALUE OF FINANCIAL INSTRUMENTS	9 Months Ended
	Sep. 30, 2021
FAIR VALUE OF FINANCIAL INSTRUMENTS [Abstract]
FAIR VALUE OF FINANCIAL INSTRUMENTS	NOTE 2 – FAIR VALUE OF FINANCIAL INSTRUMENTS Fair value is the exchange price that would be received for an asset or paid to transfer a liability (exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. There are three levels of inputs that may be used to measure fair values: Level 1: Level 2: Level 3: The following is a description of the Company’s valuation methodologies used to measure and disclose the fair values of its financial assets and liabilities on a recurring or nonrecurring basis: Securities: Impaired Loans: Other Real Estate Owned: Appraisals for both collateral-dependent impaired loans and other real estate owned are performed by certified general appraisers (for commercial properties) or certified residential appraisers (for residential properties) whose qualifications and licenses have been reviewed and verified by the Company. Once received, a member of management reviews the assumptions and approaches utilized in the appraisal as well as the overall resulting fair value in comparison with management’s own assumptions of fair value based on factors that include recent market data or industry-wide statistics. On an as-needed basis, the Company reviews the fair value of collateral, taking into consideration current market data, as well as all selling costs, which typically amount to approximately 10% of the fair value of such collateral. Interest Rate Swap Agreements: Assets and Liabilities Measured on a Recurring Basis Assets and liabilities measured at fair value on a recurring basis are summarized below: Fair Value Measurements at September 30, 2021 Using Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Assets: U.S. Government securities — $ 17,724 — U.S. Government sponsored entity securities — 29,992 — Agency mortgage-backed securities, residential — 125,732 — Interest rate swap derivatives — 699 — Liabilities: Interest rate swap derivatives — (699 ) — Fair Value Measurements at December 31, 2020 Using Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Assets: U.S. Government sponsored entity securities — $ 18,153 — Agency mortgage-backed securities, residential — 94,169 — Interest rate swap derivatives — 928 — Liabilities Interest rate swap derivatives — (928 ) — There were no transfers between Level 1 and Level 2 during 2021 or 2020. Assets and Liabilities Measured on a Nonrecurring Basis There were no assets or liabilities measured at fair value on a nonrecurring basis at September 30, 2021 and December 31, 2020. There was no other real estate owned that was measured at fair value less costs to sell at September 30, 2021 and December 31, 2020. There were no corresponding write downs during the three and nine months ended September 30, 2021 and 2020. There was no quantitative information about Level 3 fair value measurements for financial instruments measured at fair value on a nonrecurring basis at September 30, 2021 and December 31, 2020. The carrying amounts and estimated fair values of financial instruments at September 30, 2021 and December 31, 2020 are as follows: Carrying Fair Value Measurements at September 30, 2021 Using Value Level 1 Level 2 Level 3 Total Financial Assets: Cash and cash equivalents $ 135,064 $ 135,064 $ — $ — $ 135,064 Certificates of deposit in financial institutions 2,500 — 2,500 — 2,500 Securities available for sale 173,448 — 173,448 — 173,448 Securities held to maturity 9,753 — 5,993 3,956 9,949 Loans, net 839,069 — — 836,161 836,161 Interest rate swap derivatives 699 — 699 — 699 Accrued interest receivable 3,118 — 444 2,674 3,118 Financial liabilities: Deposits 1,051,675 331,195 721,283 — 1,052,478 Other borrowed funds 23,285 — 24,442 — 24,442 Subordinated debentures 8,500 — 5,522 — 5,522 Interest rate swap derivatives 699 — 699 — 699 Accrued interest payable 503 1 502 — 503 Carrying Fair Value Measurements at December 31, 2020 Using Value Level 1 Level 2 Level 3 Total Financial Assets: Cash and cash equivalents $ 138,303 $ 138,303 $ — $ — $ 138,303 Certificates of deposit in financial institutions 2,500 — 2,500 — 2,500 Securities available for sale 112,322 — 112,322 — 112,322 Securities held to maturity 10,020 — 4,989 5,355 10,344 Loans, net 841,504 — — 837,387 837,387 Interest rate swap derivatives 928 — 928 — 928 Accrued interest receivable 3,319 — 283 3,036 3,319 Financial liabilities: Deposits 993,739 314,777 680,904 — 995,681 Other borrowed funds 27,863 — 29,807 — 29,807 Subordinated debentures 8,500 — 5,556 — 5,556 Interest rate swap derivatives 928 — 928 — 928 Accrued interest payable 1,100 1 1,099 — 1,100 Fair value estimates are made at a specific point in time, based on relevant market information and information about the financial instrument. These estimates do not reflect any premium or discount that could result from offering for sale at one time the Company’s entire holdings of a particular financial instrument. Because no market exists for a significant portion of the Company’s financial instruments, fair value estimates are based on judgments regarding future expected loss experience, current economic conditions, risk characteristics of various financial instruments and other factors. These estimates are subjective in nature and involve uncertainties and matters of significant judgment and therefore cannot be determined with precision. Changes in assumptions could significantly affect the estimates.

SECURITIES

SECURITIES	9 Months Ended
	Sep. 30, 2021
SECURITIES [Abstract]
SECURITIES	NOTE 3 – SECURITIES The following table summarizes the amortized cost and fair value of securities available for sale and securities held to maturity at September 30, 2021 and December 31, 2020, and the corresponding amounts of gross unrealized gains and losses recognized in accumulated other comprehensive (loss) and gross unrecognized gains and losses: Securities Available for Sale Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Estimated Fair Value September 30 , 2021 U.S. Government securities $ 17,800 $ — $ (76 ) $ 17,724 U.S. Government sponsored entity securities 29,980 171 (159 ) 29,992 Agency mortgage-backed securities, residential 124,291 1,960 (519 ) 125,732 Total securities $ 172,071 $ 2,131 $ (754 ) $ 173,448 December 31, 2020 U.S. Government sponsored entity securities $ 17,814 $ 339 $ — $ 18,153 Agency mortgage-backed securities, residential 91,425 2,748 (4 ) 94,169 Total securities $ 109,239 $ 3,087 $ (4 ) $ 112,322 Securities Held to Maturity Amortized Cost Gross Unrecognized Gains Gross Unrecognized Losses Estimated Fair Value September 30 , 2021 Obligations of states and political subdivisions $ 9,751 $ 232 $ (36 ) $ 9,947 Agency mortgage-backed securities, residential 2 — — 2 Total securities $ 9,753 $ 232 $ (36 ) $ 9,949 December 31, 2020 Obligations of states and political subdivisions $ 10,018 $ 324 $ — $ 10,342 Agency mortgage-backed securities, residential 2 — — 2 Total securities $ 10,020 $ 324 $ — $ 10,344 The amortized cost and estimated fair value of debt securities at September 30, 2021, by contractual maturity, are shown below. Actual maturities may differ from contractual maturities because certain issuers may have the right to call or prepay the debt obligations prior to their contractual maturities. Securities not due at a single maturity are shown separately. Available for Sale Held to Maturity Debt Securities: Amortized Cost Estimated Fair Value Amortized Cost Estimated Fair Value Due in one year or less $ 4,001 $ 4,037 $ 1,093 $ 1,117 Due in over one to five years 11,187 11,266 3,752 3,863 Due in over five to ten years 32,592 32,413 4,579 4,648 Due after ten years — — 327 319 Agency mortgage-backed securities, residential 124,291 125,732 2 2 Total debt securities $ 172,071 $ 173,448 $ 9,753 $ 9,949 The following table summarizes securities with unrealized losses at September 30, 2021 and December 31, 2020, aggregated by major security type and length of time in a continuous unrealized loss position: September 30 2021 Less Than 12 Months 12 Months or More Total Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized Loss Securities Available for Sale U.S. Government securities $ 17,724 $ (76 ) $ — $ — $ 17,724 $ (76 ) U.S. Government sponsored entity securities 17,340 (159 ) — — 17,340 (159 ) Agency mortgage-backed securities, residential 66,278 (519 ) — — 66,278 (519 ) Total available for sale $ 101,342 $ (754 ) $ — $ — $ 101,342 $ (754 ) December 31, 2020 Less Than 12 Months 12 Months or More Total Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized Loss Securities Available for Sale Agency mortgage-backed securities, residential $ 14,517 $ (4 ) $ — $ — $ 14,517 $ (4 ) Total available for sale $ 14,517 $ (4 ) $ — $ — $ 14,517 $ (4 ) September 30, 2021 Less Than 12 Months 12 Months or More Total Fair Value Unrecognized Loss Fair Value Unrecognized Loss Fair Value Unrecognized Loss Securities Held to Maturity Obligations of states and political subdivisions $ 1,621 $ (36 ) $ — $ — $ 1,621 $ (36 ) Total held to maturity $ 1,621 $ (36 ) $ — $ — $ 1,621 $ (36 ) There were no sales of investment securities during the three and nine months ended September 30, 2021 or 2020. Unrealized losses on the Company’s debt securities have not been recognized into income because the issuers’ securities were of high credit quality as of September 30, 2021, and management does not intend to sell, and it is likely that management will not be required to sell, the securities prior to their anticipated recovery. Management does not believe any individual unrealized loss at September 30, 2021 and December 31, 2020 represents an other-than-temporary impairment.

LOANS AND ALLOWANCE FOR LOAN LO

LOANS AND ALLOWANCE FOR LOAN LOSSES	9 Months Ended
	Sep. 30, 2021
LOANS AND ALLOWANCE FOR LOAN LOSSES [Abstract]
LOANS AND ALLOWANCE FOR LOAN LOSSES	NOTE 4 – LOANS AND ALLOWANCE FOR LOAN LOSSES Loans are comprised of the following: September 30, 2021 December 31, 2020 Residential real estate $ 280,104 $ 305,478 Commercial real estate: Owner-occupied 74,340 51,863 Nonowner-occupied 174,627 164,523 Construction 33,605 37,063 Commercial and industrial 144,154 157,692 Consumer: Automobile 53,022 55,241 Home equity 21,521 19,993 Other 64,360 56,811 845,733 848,664 Less: Allowance for loan losses (6,664 ) (7,160 ) Loans, net $ 839,069 $ 841,504 Commercial and industrial loans include $5,611 of loans originated under the PPP at September 30, 2021. These loans are guaranteed by the SBA. The following table presents the activity in the allowance for loan losses by portfolio segment for the three months ended September 30, 2021 and 2020: September 30 , 2021 Residential Real Estate Commercial Real Estate Commercial and Industrial Consumer Total Allowance for loan losses: Beginning balance $ 1,088 $ 2,532 $ 1,746 $ 1,433 $ 6,799 Provision for loan losses (34 ) 10 (263 ) 194 (93 ) Loans charged off (49 ) (63 ) (25 ) (280 ) (417 ) Recoveries 40 115 113 107 375 Total ending allowance balance $ 1,045 $ 2,594 $ 1,571 $ 1,454 $ 6,664 September 30 , 2020 Residential Real Estate Commercial Real Estate Commercial and Industrial Consumer Total Allowance for loan losses: Beginning balance $ 2,024 $ 2,700 $ 1,649 $ 1,608 $ 7,981 Provision for loan losses (275 ) (98 ) 230 141 (2 ) Loans charged-off (90 ) — (96 ) (398 ) (584 ) Recoveries 110 15 44 166 335 Total ending allowance balance $ 1,769 $ 2,617 $ 1,827 $ 1,517 $ 7,730 The following table presents the activity in the allowance for loan losses by portfolio segment for the nine months ended September 30, 2021 and 2020: September 30, 2021 Residential Real Estate Commercial Real Estate Commercial and Industrial Consumer Total Allowance for loan losses: Beginning balance $ 1,480 $ 2,431 $ 1,776 $ 1,473 $ 7,160 Provision for loan losses (443 ) 121 (260 ) 464 (118 ) Loans charged-off (75 ) (115 ) (96 ) (879 ) (1,165 ) Recoveries 83 157 151 396 787 Total ending allowance balance $ 1,045 $ 2,594 $ 1,571 $ 1,454 $ 6,664 September 30 , 2020 Residential Real Estate Commercial Real Estate Commercial and Industrial Consumer Total Allowance for loan losses: Beginning balance $ 1,250 $ 1,928 $ 1,447 $ 1,647 $ 6,272 Provision for loan losses 715 1,131 505 1,100 3,451 Loans charged-off (340 ) (516 ) (185 ) (1,677 ) (2,718 ) Recoveries 144 74 60 447 725 Total ending allowance balance $ 1,769 $ 2,617 $ 1,827 $ 1,517 $ 7,730 The following table presents the balance in the allowance for loan losses and the recorded investment of loans by portfolio segment and based on impairment method as of September 30, 2021 and December 31, 2020: September 30 , 2021 Residential Real Estate Commercial Real Estate Commercial and Industrial Consumer Total Allowance for loan losses: Ending allowance balance attributable to loans: Individually evaluated for impairment $ — $ — $ — $ 34 $ 34 Collectively evaluated for impairment 1,045 2,594 1,571 1,420 6,630 Total ending allowance balance $ 1,045 $ 2,594 $ 1,571 $ 1,454 $ 6,664 Loans: Loans individually evaluated for impairment $ — $ 5,479 $ 3,850 $ 79 $ 9,408 Loans collectively evaluated for impairment 280,104 277,093 140,304 138,824 836,325 Total ending loans balance $ 280,104 $ 282,572 $ 144,154 $ 138,903 $ 845,733 December 31, 2020 Residential Real Estate Commercial Real Estate Commercial and Industrial Consumer Total Allowance for loan losses: Ending allowance balance attributable to loans: Individually evaluated for impairment $ — $ — $ — $ — $ — Collectively evaluated for impairment 1,480 2,431 1,776 1,473 7,160 Total ending allowance balance $ 1,480 $ 2,431 $ 1,776 $ 1,473 $ 7,160 Loans: Loans individually evaluated for impairment $ 411 $ 5,845 $ 4,686 $ 84 $ 11,026 Loans collectively evaluated for impairment 305,067 247,604 153,006 131,961 837,638 Total ending loans balance $ 305,478 $ 253,449 $ 157,692 $ 132,045 $ 848,664 The following tables present information related to loans individually evaluated for impairment by class of loans as of September 30, 2021 and December 31, 2020: September 30 , 2021 Unpaid Principal Balance Recorded Investment Allowance for Loan Losses Allocated With an allowance recorded: Consumer: Other $ 48 $ 48 $ 34 With no related allowance recorded: Commercial real estate: Owner-occupied 5,108 5,093 — Nonowner-occupied 386 386 — Commercial and industrial 3,850 3,850 — Consumer: Home equity 31 31 — Total $ 9,423 $ 9,408 $ 34 December 31, 2020 Unpaid Principal Balance Recorded Investment Allowance for Loan Losses Allocated With an allowance recorded: $ — $ — $ — With no related allowance recorded: Residential real estate 418 411 — Commercial real estate: Owner-occupied 5,256 5,256 — Nonowner-occupied 632 589 — Commercial and industrial 4,686 4,686 — Consumer: Home equity 34 34 — Other 50 50 — Total $ 11,076 $ 11,026 $ — The following tables present information related to loans individually evaluated for impairment by class of loans for the three and nine months ended September 30, 2021 and 2020: Three months ended September 30, 2021 Nine months ended September 30, 2021 Average Impaired Loans Interest Income Recognized Cash Basis Interest Recognized Average Impaired Loans Interest Income Recognized Cash Basis Interest Recognized With an allowance recorded: Consumer: Other $ 49 $ 1 $ 1 $ 49 $ 2 $ 2 With no related allowance recorded: Commercial real estate: Owner-occupied 5,128 74 74 5,183 239 239 Nonowner-occupied 386 7 7 388 21 21 Commercial and industrial 3,174 111 111 3,586 200 200 Consumer: Home equity 32 1 1 33 2 2 Total $ 8,769 $ 194 $ 194 $ 9,239 $ 464 $ 464 Three months ended September 30, 2020 Nine months ended September 30, 2020 Average Impaired Loans Interest Income Recognized Cash Basis Interest Recognized Average Impaired Loans Interest Income Recognized Cash Basis Interest Recognized With an allowance recorded: Commercial real estate: Nonowner-occupied $ 242 $ — $ — $ 242 $ — $ — With no related allowance recorded: Residential real estate 420 7 7 426 15 15 Commercial real estate: Owner-occupied 3,161 23 23 2,957 124 124 Nonowner-occupied 753 15 15 772 39 39 Commercial and industrial 2,807 20 20 3,543 149 149 Consumer: Home equity 444 3 3 415 12 12 Total $ 7,827 $ 68 $ 68 $ 8,355 $ 339 $ 339 Accrued interest and net deferred loan fees have been excluded from the recorded investment of loans due to immateriality . Nonaccrual loans and loans past due 90 days or more and still accruing include both smaller balance homogenous loans that are collectively evaluated for impairment and individually classified as impaired loans. The Company transfers loans to other real estate owned, at fair value less cost to sell, in the period the Company obtains physical possession of the property (through legal title or through a deed in lieu). As of September 30, 2021, there were no other real estate owned for residential real estate properties, as compared to $43 at December 31, 2020. In addition, nonaccrual residential mortgage loans that are in the process of foreclosure had a recorded investment of $415 and $1,097 as of September 30, 2021 and December 31, 2020, respectively. The following table presents the recorded investment of nonaccrual loans and loans past due 90 days or more and still accruing by class of loans as of September 30, 2021 and December 31, 2020: September 30 , 2021 Loans Past Due 90 Days And Still Accruing Nonaccrual Residential real estate $ 2 $ 4,081 Commercial real estate: Owner-occupied — 1,095 Nonowner-occupied — 83 Construction — 155 Commercial and industrial — 149 Consumer: Automobile 135 134 Home equity — 132 Other 99 27 Total $ 236 $ 5,856 December 31, 2020 Loans Past Due 90 Days And Still Accruing Nonaccrual Residential real estate $ 127 $ 5,256 Commercial real estate: Owner-occupied — 205 Nonowner-occupied — 362 Construction — 156 Commercial and industrial 15 149 Consumer: Automobile 146 129 Home equity — 210 Other 136 36 Total $ 424 $ 6,503 The following table presents the aging of the recorded investment of past due loans by class of loans as of September 30, 2021 and December 31, 2020: September 30 , 2021 30-59 Days Past Due 60-89 Days Past Due 90 Days Or More Past Due Total Past Due Loans Not Past Due Total Residential real estate $ 2,149 $ 669 $ 701 $ 3,519 $ 276,585 $ 280,104 Commercial real estate: Owner-occupied 20 — 180 200 74,140 74,340 Nonowner-occupied 100 — 83 183 174,444 174,627 Construction 37 — 33 70 33,535 33,605 Commercial and industrial 13 — 149 162 143,992 144,154 Consumer: Automobile 554 138 242 934 52,088 53,022 Home equity 29 81 110 220 21,301 21,521 Other 527 24 126 677 63,683 64,360 Total $ 3,429 $ 912 $ 1,624 $ 5,965 $ 839,768 $ 845,733 December 31, 2020 30-59 Days Past Due 60-89 Days Past Due 90 Days Or More Past Due Total Past Due Loans Not Past Due Total Residential real estate $ 2,845 $ 496 $ 1,663 $ 5,004 $ 300,474 $ 305,478 Commercial real estate: Owner-occupied 470 1,003 193 1,666 50,197 51,863 Nonowner-occupied 94 — 362 456 164,067 164,523 Construction — 82 — 82 36,981 37,063 Commercial and industrial 1,112 11 164 1,287 156,405 157,692 Consumer: Automobile 831 131 258 1,220 54,021 55,241 Home equity 204 81 113 398 19,595 19,993 Other 446 76 172 694 56,117 56,811 Total $ 6,002 $ 1,880 $ 2,925 $ 10,807 $ 837,857 $ 848,664 Troubled Debt Restructurings: A troubled debt restructuring (“TDR”) occurs when the Company has agreed to a loan modification in the form of a concession for a borrower who is experiencing financial difficulty. All TDRs are considered to be impaired. The modification of the terms of such loans included one or a combination of the following: a reduction of the stated interest rate of the loan; an extension of the maturity date at a stated rate of interest lower than the current market rate for new debt with similar risk; a reduction in the contractual principal and interest payments of the loan; or short-term interest-only payment terms. The Company has allocated reserves for a portion of its TDRs to reflect the fair values of the underlying collateral or the present value of the concessionary terms granted to the customer. The following table presents the types of TDR loan modifications by class of loans as of September 30, 2021 and December 31, 2020: September 30 , 2021 TDRs Performing to Modified Terms TDRs Not Performing to Modified Terms Total TDRs Commercial real estate: Owner-occupied Reduction of principal and interest payments $ 1,463 $ — $ 1,463 Maturity extension at lower stated rate than market rate 289 — 289 Credit extension at lower stated rate than market rate 377 — 377 Nonowner-occupied Credit extension at lower stated rate than market rate 386 — 386 Commercial and industrial: Interest only payments 1,622 — 1,622 Total TDRs $ 4,137 $ — $ 4,137 December 31, 2020 TDRs Performing to Modified Terms TDRs Not Performing to Modified Terms Total TDRs Residential real estate: Interest only payments $ 202 $ — $ 202 Commercial real estate: Owner-occupied Reduction of principal and interest payments 1,486 — 1,486 Maturity extension at lower stated rate than market rate 351 — 351 Credit extension at lower stated rate than market rate 384 — 384 Nonowner-occupied Credit extension at lower stated rate than market rate 390 — 390 Commercial and industrial: Interest only payments 4,400 — 4,400 Total TDRs $ 7,213 $ — $ 7,213 The Company had no specific allocations in reserves to customers whose loan terms have been modified in TDRs at , and December 31, . At , , the Company had $ in commitments to lend additional amounts to customers with outstanding loans that are classified as TDRs, as compared to $ at December 31, . There were no new TDR loan modifications that occurred during the three and nine months ended September 30, 2021 and 2020, which resulted in no impact to provision expense or the allowance for loan losses. During the three and nine months ended September 30, 2021 and 2020, the Company had no TDRs that experienced any payment defaults within twelve months following their loan modification. A default is considered to have occurred once the TDR is past due 90 days or more or it has been placed on nonaccrual. TDR loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured. The Coronavirus Aid, Relief, and Economic Security Act (“CARES Act”) was signed into law on March 27, 2020 and provided guidance on the modification of loans as a result of COVID-19, which outlined, among other criteria, that short-term modifications made on a good faith basis to borrowers who were current as defined under the CARES Act prior to any relief, are not TDRs. This includes short-term modifications such as payment deferrals, fee waivers, extensions of repayment terms, or other delays in payment that are insignificant. Borrowers are considered current if they are less than 30 days past due on their contractual payments at the time of modification. As of September 30, 2021, the Company had modified 674 loans related to COVID-19 with an outstanding loan balance of $130,365 that were not reported as TDRs. As of September 30, 2021, the Company had 18 of those modified loans still operating under their deferral terms Credit Quality Indicators: The Company categorizes loans into risk categories based on relevant information about the ability of borrowers to service their debt, such as: current financial information, historical payment experience, credit documentation, public information, and current economic trends, among other factors. These risk categories are represented by a loan grading scale from 1 through 11. The Company analyzes loans individually with a higher credit risk rating and groups these loans into categories called “criticized” and ”classified” assets. The Company considers its criticized assets to be loans that are graded 8 and its classified assets to be loans that are graded 9 through 11. The Company’s risk categories are reviewed at least annually on loans that have aggregate borrowing amounts that meet or exceed $1,000. The Company uses the following definitions for its criticized loan risk ratings: Special Mention. The Company uses the following definitions for its classified loan risk ratings: Substandard. Doubtful. Loss. Criticized and classified loans will mostly consist of commercial and industrial and commercial real estate loans. The Company considers its loans that do not meet the criteria for a criticized and classified asset rating as pass rated loans, which will include loans graded from 1 (Prime) to 7 (Watch). All commercial loans are categorized into a risk category either at the time of origination or reevaluation date. As of September 30, 2021 and December 31, 2020, and based on the most recent analysis performed, the risk category of commercial loans by class of loans was as follows: September 30 , 2021 Pass Criticized Classified Total Commercial real estate: Owner-occupied $ 70,971 $ 631 $ 2,738 $ 74,340 Nonowner-occupied 172,341 2,003 283 174,627 Construction 33,605 — — 33,605 Commercial and industrial 138,498 1,905 3,751 144,154 Total $ 415,415 $ 4,539 $ 6,772 $ 426,726 December 31, 2020 Pass Criticized Classified Total Commercial real estate: Owner-occupied $ 46,604 $ 669 $ 4,590 $ 51,863 Nonowner-occupied 160,324 3,629 570 164,523 Construction 37,063 — — 37,063 Commercial and industrial 150,786 2,064 4,842 157,692 Total $ 394,777 $ 6,362 $ 10,002 $ 411,141 The Company also obtains the credit scores of its borrowers upon origination (if available by the credit bureau), but the scores are not updated. The Company focuses mostly on the performance and repayment ability of the borrower as an indicator of credit risk and does not consider a borrower's credit score to be a significant influence in the determination of a loan's credit risk grading. For residential and consumer loan classes, the Company evaluates credit quality based on the aging status of the loan, which was previously presented, and by payment activity. The following table presents the recorded investment of residential and consumer loans by class of loans based on repayment activity as of September 30, 2021 and December 31, 2020: September 30 , 2021 Consumer Residential Automobile Home Equity Other Real Estate Total Performing $ 52,753 $ 21,389 $ 64,234 $ 276,021 $ 414,397 Nonperforming 269 132 126 4,083 4,610 Total $ 53,022 $ 21,521 $ 64,360 $ 280,104 $ 419,007 December 31, 2020 Consumer Residential Automobile Home Equity Other Real Estate Total Performing $ 54,966 $ 19,783 $ 56,639 $ 300,095 $ 431,483 Nonperforming 275 210 172 5,383 6,040 Total $ 55,241 $ 19,993 $ 56,811 $ 305,478 $ 437,523 The Company originates residential, consumer, and commercial loans to customers located primarily in the southeastern areas of Ohio as well as the western counties of West Virginia. Approximately 4.10% of total loans were unsecured at September 30, 2021, down from 4.22% at December 31, 2020.

FINANCIAL INSTRUMENTS WITH OFF-

FINANCIAL INSTRUMENTS WITH OFF-BALANCE SHEET RISK	9 Months Ended
	Sep. 30, 2021
FINANCIAL INSTRUMENTS WITH OFF-BALANCE SHEET RISK [Abstract]
FINANCIAL INSTRUMENTS WITH OFF-BALANCE SHEET RISK	NOTE 5 - FINANCIAL INSTRUMENTS WITH OFF-BALANCE SHEET RISK The Bank is a party to financial instruments with off-balance sheet risk in the normal course of business to meet the financing needs of its customers. These financial instruments include commitments to extend credit, standby letters of credit and financial guarantees. The Bank’s exposure to credit loss in the event of nonperformance by the other party to the financial instrument for commitments to extend credit and standby letters of credit, and financial guarantees written, is represented by the contractual amount of those instruments. The contract amounts of these instruments are not included in the consolidated financial statements. At September 30, 2021, the contract amounts of these instruments totaled approximately $89,645, compared to $88,456 at December 31, 2020. The Bank uses the same credit policies in making commitments and conditional obligations as it does for instruments recorded on the balance sheet. Since many of these instruments are expected to expire without being drawn upon, the total contract amounts do not necessarily represent future cash requirements.

OTHER BORROWED FUNDS

OTHER BORROWED FUNDS	9 Months Ended
	Sep. 30, 2021
OTHER BORROWED FUNDS [Abstract]
OTHER BORROWED FUNDS	NOTE 6 - OTHER BORROWED FUNDS Other borrowed funds at September 30, 2021 and December 31, 2020 are comprised of advances from the Federal Home Loan Bank (“FHLB”) of Cincinnati and promissory notes. FHLB Borrowings Promissory Notes Totals September 30 2021 $ 21,147 $ 2,138 $ 23,285 December 31, 2020 $ 24,665 $ 3,198 $ 27,863 Pursuant to collateral agreements with the FHLB, advances are secured by $272,922 in qualifying mortgage loans, $73,204 in commercial loans and $5,125 in FHLB stock at September 30, 2021. Fixed-rate FHLB advances of $21,147 mature through 2042 and have interest rates ranging from 1.53% to 3.31% and a year-to-date weighted average cost of 2.40% at September 30, 2021 and December 31, 2020, respectively. There were no variable-rate FHLB borrowings at September 30, 2021. At September 30, 2021, the Company had a cash management line of credit enabling it to borrow up to $100,000 from the FHLB. All cash management advances have an original maturity of 90 days. The line of credit must be renewed on an annual basis. There was $100,000 available on this line of credit at September 30, 2021. Based on the Company's current FHLB stock ownership, total assets and pledgeable loans, the Company had the ability to obtain borrowings from the FHLB up to a maximum of $195,703 at September 30, 2021. Of this maximum borrowing capacity, the Company had $109,438 available to use as additional borrowings, of which $100,000 could be used for short term, cash management advances, as mentioned above. Promissory notes, issued primarily by Ohio Valley, are due at various dates through a final maturity date of April 13, 2022, and have fixed rates of 1.00% and a year-to-date weighted average cost of 1.24% at September 30, 2021, as compared to 2.20% at December 31, 2020. At September 30, 2021 there were four promissory notes payable by Ohio Valley to related parties totaling $2,138 as compared to six totaling $3,198 at December 31, 2020. There were no promissory notes payable to other banks at September 30, 2021 and December 31, 2020, respectively. Letters of credit issued on the Bank's behalf by the FHLB to collateralize certain public unit deposits as required by law totaled $65,118 at September 30, 2021 and $76,740 at December 31, 2020. Scheduled principal payments as of September 30, 2021: FHLB Borrowings Promissory Notes Totals 2021 $ 735 $ 1,638 $ 2,373 2022 2,497 500 2,997 2023 2,352 — 2,352 2024 2,062 — 2,062 2025 1,824 — 1,824 Thereafter 11,677 — 11,677 $ 21,147 $ 2,138 $ 23,285

SEGMENT INFORMATION

SEGMENT INFORMATION	9 Months Ended
	Sep. 30, 2021
SEGMENT INFORMATION [Abstract]
SEGMENT INFORMATION	NOTE 7 – SEGMENT INFORMATION The reportable segments are determined by the products and services offered, primarily distinguished between banking and consumer finance. They are also distinguished by the level of information provided to the chief operating decision maker, who uses such information to review performance of various components of the business, which are then aggregated if operating performance, products/services, and customers are similar. Loans, investments, and deposits provide the majority of the net revenues from the banking operation, while loans provide the majority of the net revenues for the consumer finance segment. All Company segments are domestic. Total revenues from the banking segment, which accounted for the majority of the Company's total revenues, totaled 94.0% of total consolidated revenues for the quarters end September 30, 2021 and 2020, respectively. The accounting policies used for the Company's reportable segments are the same as those described in Note 1 - Summary of Significant Accounting Policies. Income taxes are allocated based on income before tax expense. Information for the Company’s reportable segments is as follows: Three Months Ended September 30, 2021 Banking Consumer Finance Total Company Net interest income $ 9,843 $ 516 $ 10,359 Provision expense (100 ) 7 (93 ) Noninterest income 2,582 30 2,612 Noninterest expense 8,861 608 9,469 Tax expense 574 (15 ) 559 Net income 3,090 (54 ) 3,036 Assets 1,232,353 13,025 1,245,378 Three Months Ended September 30, 2020 Banking Consumer Finance Total Company Net interest income $ 9,562 $ 520 $ 10,082 Provision expense — (2 ) (2 ) Noninterest income 2,385 49 2,434 Noninterest expense 9,295 596 9,891 Tax expense 339 (6 ) 333 Net income 2,313 (19 ) 2,294 Assets 1,126,202 11,736 1,137,938 Nine Months Ended September 30, 2021 Banking Consumer Finance Total Company Net interest income $ 29,124 $ 1,498 $ 30,622 Provision expense (150 ) 32 (118 ) Noninterest income 7,474 983 8,457 Noninterest expense 26,095 1,858 27,953 Tax expense 1,693 123 1,816 Net income 8,960 468 9,428 Assets 1,232,353 13,025 1,245,378 Nine Months Ended September 30, 2020 Banking Consumer Finance Total Company Net interest income $ 28,350 $ 1,531 $ 29,881 Provision expense 3,445 6 3,451 Noninterest income 8,073 1,052 9,125 Noninterest expense 27,110 1,902 29,012 Tax expense 843 141 984 Net income 5,025 534 5,559 Assets 1,126,202 11,736 1,137,938

LEASES

LEASES	9 Months Ended
	Sep. 30, 2021
LEASES [Abstract]
LEASES	NOTE 8 – LEASES Substantially all of the Company’s operating lease right-of-use (“ROU”) assets and operating lease liabilities represent leases for branch buildings and office space to conduct business. Leases with an initial term of 12 months or less are not recorded on the consolidated balance sheet. The lease expense for these leases are recorded on a straight-line basis over the lease term. Leases with initial terms in excess of 12 months are recorded as either operating or financing leases on the consolidated balance sheet. The Company has no finance lease arrangements. Operating leases have remaining lease terms ranging from 19 months to 20 years, some of which include options to extend the leases for up to 15 years. Operating lease ROU assets and operating lease liabilities are valued based on the present value of future minimum lease payments, discounted with an incremental borrowing rate for the same term as the underlying lease. The Company has one lease arrangement that contains variable lease payments that are adjusted periodically for an index. Balance sheet information related to leases was as follows: As of September 30, 2021 As of December 31, 2020 Operating leases: Operating lease right-of-use assets $ 1,235 $ 880 Operating lease liabilities 1,235 880 The components of lease cost were as follows: Three Months Ended September 30, Nine Months Ended September 30, 2021 2020 2021 2020 Operating lease cost $ 41 $ 32 $ 119 $ 127 Short-term lease expense 8 7 24 23 Future undiscounted lease payments for operating leases with initial terms of one year or more as of September 30, 2021 are as follows: Operating Leases 2021 $ 42 2022 168 2023 127 2024 106 2025 106 Thereafter 973 Total lease payments 1,522 Less: Imputed Interest (287 ) Total operating leases $ 1,235 Other information was as follows: As of September 30, 2021 As of December 31, 2020 Weighted-average remaining lease term for operating leases 13.9 years 9.6 years Weighted-average discount rate for operating leases 2.29 % 2.79 %

SUMMARY OF SIGNIFICANT ACCOUN_2

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies)	9 Months Ended
	Sep. 30, 2021
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]
BASIS OF PRESENTATION	BASIS OF PRESENTATION: These interim financial statements are prepared by the Company without audit and reflect all adjustments of a normal recurring nature which, in the opinion of management, are necessary to present fairly the consolidated financial position of the Company at September 30, 2021, and its results of operations and cash flows for the periods presented. The results of operations for the three and nine months ended September 30, 2021 are not necessarily indicative of the operating results to be anticipated for the full fiscal year ending December 31, 2021. The accompanying consolidated financial statements do not purport to contain all the necessary financial disclosures required by U.S. generally accepted accounting principles (“US GAAP”) that might otherwise be necessary in the circumstances. The Annual Report of the Company for the year ended December 31, 2020 contains consolidated financial statements and related notes which should be read in conjunction with the accompanying consolidated financial statements. The consolidated financial statements for 2020 have been reclassified to conform to the presentation for 2021. These reclassifications had no effect on net income or shareholders’ equity.
USE OF ESTIMATES IN THE PREPARATION OF FINANCIAL STATEMENTS	USE OF ESTIMATES IN THE PREPARATION OF FINANCIAL STATEMENTS:
INDUSTRY SEGMENT INFORMATION	INDUSTRY SEGMENT INFORMATION:
LOANS	LOANS: Interest income is discontinued and the loan moved to non-accrual status when full loan repayment is in doubt, typically when the loan is impaired or payments are past due 90 days or over unless the loan is well-secured or in process of collection. Past due status is based on the contractual terms of the loan. In all cases, loans are placed on nonaccrual or charged-off at an earlier date if collection of principal or interest is considered doubtful. Nonaccrual loans and loans past due 90 days or over and still accruing include both smaller balance homogeneous loans that are collectively evaluated for impairment and individually classified impaired loans. All interest accrued but not received for loans placed on nonaccrual is reversed against interest income. Interest received on such loans is accounted for on the cash-basis method until qualifying for return to accrual. Loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured. The Bank also originates long-term, fixed-rate mortgage loans, with full intention of being sold to the secondary market. These loans are considered held for sale during the period of time after the principal has been advanced to the borrower by the Bank, but before the Bank has been reimbursed by the Federal Home Loan Mortgage Corporation, typically within a few business days. Loans sold to the secondary market are carried at the lower of aggregate cost or fair value. As of September 30, 2021, there were $858 in loans held for sale by the Bank, as compared to $70 in loans held for sale at December 31, 2020.
ALLOWANCE FOR LOAN LOSSES	ALLOWANCE FOR LOAN LOSSES: The allowance consists of specific and general components. The specific component relates to loans that are individually classified as impaired. A loan is impaired when, based on current information and events, it is probable that the Company will be unable to collect all amounts due according to the contractual terms of the loan agreement. Loans for which the terms have been modified and for which the borrower is experiencing financial difficulties are considered troubled debt restructurings and classified as impaired. Factors considered by management in determining impairment include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length and reasons for the delay, the borrower’s prior payment record, and the amount of shortfall in relation to the principal and interest owed. Commercial and commercial real estate loans are individually evaluated for impairment. If a loan is impaired, a portion of the allowance is allocated so that the loan is reported, net, at the present value of estimated future cash flows using the loan’s existing rate or at the fair value of collateral if repayment is expected solely from the collateral. Smaller balance homogeneous loans, such as consumer and most residential real estate, are collectively evaluated for impairment, and accordingly, they are not separately identified for impairment disclosure. Troubled debt restructurings are measured at the present value of estimated future cash flows using the loan’s effective rate at inception. If a troubled debt restructuring is considered to be a collateral dependent loan, the loan is reported, net, at the fair value of the collateral. For troubled debt restructurings that subsequently default, the Company determines the amount of reserve in accordance with the accounting policy for the allowance for loan losses. The general component covers non-impaired loans and impaired loans that are not individually reviewed for impairment and is based on historical loss experience adjusted for current factors. The historical loss experience is determined by portfolio segment and is based on the actual loss history experienced by the Company over the most recent 3 years for the consumer and real estate portfolio segment and 5 years for the commercial portfolio segment. The total loan portfolio’s actual loss experience is supplemented with other economic factors based on the risks present for each portfolio segment. These economic factors include consideration of the following: levels of and trends in delinquencies and impaired loans; levels of and trends in charge-offs and recoveries; trends in volume and terms of loans; effects of any changes in risk selection and underwriting standards; other changes in lending policies, procedures, and practices; experience, ability, and depth of lending management and other relevant staff; national and local economic trends and conditions; industry conditions; and effects of changes in credit concentrations. The following portfolio segments have been identified: Commercial and Industrial, Commercial Real Estate, Residential Real Estate, and Consumer. Commercial and industrial loans consist of borrowings for commercial purposes to individuals, corporations, partnerships, sole proprietorships, and other business enterprises. Commercial and industrial loans are generally secured by business assets such as equipment, accounts receivable, inventory, or any other asset excluding real estate and generally made to finance capital expenditures or operations. The Company’s risk exposure is related to deterioration in the value of collateral securing the loan should foreclosure become necessary. Generally, business assets used or produced in operations do not maintain their value upon foreclosure, which may require the Company to write down the value significantly to sell. Commercial real estate consists of nonfarm, nonresidential loans secured by owner-occupied and nonowner-occupied commercial real estate as well as commercial construction loans. An owner-occupied loan relates to a borrower purchased building or space for which the repayment of principal is dependent upon cash flows from the ongoing business operations conducted by the party, or an affiliate of the party, who owns the property. Owner-occupied loans that are dependent on cash flows from operations can be adversely affected by current market conditions for their product or service. A nonowner- occupied loan is a property loan for which the repayment of principal is dependent upon rental income associated with the property or the subsequent sale of the property. Nonowner-occupied loans that are dependent upon rental income are primarily impacted by local economic conditions which dictate occupancy rates and the amount of rent charged. Commercial construction loans consist of borrowings to purchase and develop raw land into 1-4 family residential properties. Construction loans are extended to individuals as well as corporations for the construction of an individual or multiple properties and are secured by raw land and the subsequent improvements. Repayment of the loans to real estate developers is dependent upon the sale of properties to third parties in a timely fashion upon completion. Should there be delays in construction or a downturn in the market for those properties, there may be significant erosion in value which may be absorbed by the Company. Residential real estate loans consist of loans to individuals for the purchase of 1-4 family primary residences with repayment primarily through wage or other income sources of the individual borrower. The Company’s loss exposure to these loans is dependent on local market conditions for residential properties as loan amounts are determined, in part, by the fair value of the property at origination. Consumer loans are comprised of loans to individuals secured by automobiles, open-end home equity loans and other loans to individuals for household, family, and other personal expenditures, both secured and unsecured. These loans typically have maturities of 6 years or less with repayment dependent on individual wages and income. The risk of loss on consumer loans is elevated as the collateral securing these loans, if any, rapidly depreciate in value or may be worthless and/or difficult to locate if repossession is necessary. The Company has allocated the highest percentage of its allowance for loan losses as a percentage of loans to the other identified loan portfolio segments due to the larger dollar balances associated with such portfolios. At September 30, 2021, there were no changes to the accounting policies or methodologies within any of the Company’s loan portfolio segments from the prior period.
EARNINGS PER SHARE	EARNINGS PER SHARE:
ACCOUNTING GUIDANCE TO BE ADOPTED IN FUTURE PERIODS	ACCOUNTING GUIDANCE TO BE ADOPTED IN FUTURE PERIODS:

FAIR VALUE OF FINANCIAL INSTR_2

FAIR VALUE OF FINANCIAL INSTRUMENTS (Tables)	9 Months Ended
	Sep. 30, 2021
FAIR VALUE OF FINANCIAL INSTRUMENTS [Abstract]
Assets and Liabilities Measured on Recurring Basis	Assets and liabilities measured at fair value on a recurring basis are summarized below: Fair Value Measurements at September 30, 2021 Using Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Assets: U.S. Government securities — $ 17,724 — U.S. Government sponsored entity securities — 29,992 — Agency mortgage-backed securities, residential — 125,732 — Interest rate swap derivatives — 699 — Liabilities: Interest rate swap derivatives — (699 ) — Fair Value Measurements at December 31, 2020 Using Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Assets: U.S. Government sponsored entity securities — $ 18,153 — Agency mortgage-backed securities, residential — 94,169 — Interest rate swap derivatives — 928 — Liabilities Interest rate swap derivatives — (928 ) —
Carrying Amounts and Estimated Fair Values of Financial Instruments	The carrying amounts and estimated fair values of financial instruments at September 30, 2021 and December 31, 2020 are as follows: Carrying Fair Value Measurements at September 30, 2021 Using Value Level 1 Level 2 Level 3 Total Financial Assets: Cash and cash equivalents $ 135,064 $ 135,064 $ — $ — $ 135,064 Certificates of deposit in financial institutions 2,500 — 2,500 — 2,500 Securities available for sale 173,448 — 173,448 — 173,448 Securities held to maturity 9,753 — 5,993 3,956 9,949 Loans, net 839,069 — — 836,161 836,161 Interest rate swap derivatives 699 — 699 — 699 Accrued interest receivable 3,118 — 444 2,674 3,118 Financial liabilities: Deposits 1,051,675 331,195 721,283 — 1,052,478 Other borrowed funds 23,285 — 24,442 — 24,442 Subordinated debentures 8,500 — 5,522 — 5,522 Interest rate swap derivatives 699 — 699 — 699 Accrued interest payable 503 1 502 — 503 Carrying Fair Value Measurements at December 31, 2020 Using Value Level 1 Level 2 Level 3 Total Financial Assets: Cash and cash equivalents $ 138,303 $ 138,303 $ — $ — $ 138,303 Certificates of deposit in financial institutions 2,500 — 2,500 — 2,500 Securities available for sale 112,322 — 112,322 — 112,322 Securities held to maturity 10,020 — 4,989 5,355 10,344 Loans, net 841,504 — — 837,387 837,387 Interest rate swap derivatives 928 — 928 — 928 Accrued interest receivable 3,319 — 283 3,036 3,319 Financial liabilities: Deposits 993,739 314,777 680,904 — 995,681 Other borrowed funds 27,863 — 29,807 — 29,807 Subordinated debentures 8,500 — 5,556 — 5,556 Interest rate swap derivatives 928 — 928 — 928 Accrued interest payable 1,100 1 1,099 — 1,100

SECURITIES (Tables)

SECURITIES (Tables)	9 Months Ended
	Sep. 30, 2021
SECURITIES [Abstract]
Amortized Cost and Fair Value of Securities Available-for-sale	The following table summarizes the amortized cost and fair value of securities available for sale and securities held to maturity at September 30, 2021 and December 31, 2020, and the corresponding amounts of gross unrealized gains and losses recognized in accumulated other comprehensive (loss) and gross unrecognized gains and losses: Securities Available for Sale Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Estimated Fair Value September 30 , 2021 U.S. Government securities $ 17,800 $ — $ (76 ) $ 17,724 U.S. Government sponsored entity securities 29,980 171 (159 ) 29,992 Agency mortgage-backed securities, residential 124,291 1,960 (519 ) 125,732 Total securities $ 172,071 $ 2,131 $ (754 ) $ 173,448 December 31, 2020 U.S. Government sponsored entity securities $ 17,814 $ 339 $ — $ 18,153 Agency mortgage-backed securities, residential 91,425 2,748 (4 ) 94,169 Total securities $ 109,239 $ 3,087 $ (4 ) $ 112,322
Amortized Cost and Fair Value of Securities Held-to-maturity	Securities Held to Maturity Amortized Cost Gross Unrecognized Gains Gross Unrecognized Losses Estimated Fair Value September 30 , 2021 Obligations of states and political subdivisions $ 9,751 $ 232 $ (36 ) $ 9,947 Agency mortgage-backed securities, residential 2 — — 2 Total securities $ 9,753 $ 232 $ (36 ) $ 9,949 December 31, 2020 Obligations of states and political subdivisions $ 10,018 $ 324 $ — $ 10,342 Agency mortgage-backed securities, residential 2 — — 2 Total securities $ 10,020 $ 324 $ — $ 10,344
Amortized Cost and Fair Value of Securities by Contractual Maturity	The amortized cost and estimated fair value of debt securities at September 30, 2021, by contractual maturity, are shown below. Actual maturities may differ from contractual maturities because certain issuers may have the right to call or prepay the debt obligations prior to their contractual maturities. Securities not due at a single maturity are shown separately. Available for Sale Held to Maturity Debt Securities: Amortized Cost Estimated Fair Value Amortized Cost Estimated Fair Value Due in one year or less $ 4,001 $ 4,037 $ 1,093 $ 1,117 Due in over one to five years 11,187 11,266 3,752 3,863 Due in over five to ten years 32,592 32,413 4,579 4,648 Due after ten years — — 327 319 Agency mortgage-backed securities, residential 124,291 125,732 2 2 Total debt securities $ 172,071 $ 173,448 $ 9,753 $ 9,949
Securities with Unrealized Losses in Continuous Unrealized Loss Position	The following table summarizes securities with unrealized losses at September 30, 2021 and December 31, 2020, aggregated by major security type and length of time in a continuous unrealized loss position: September 30 2021 Less Than 12 Months 12 Months or More Total Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized Loss Securities Available for Sale U.S. Government securities $ 17,724 $ (76 ) $ — $ — $ 17,724 $ (76 ) U.S. Government sponsored entity securities 17,340 (159 ) — — 17,340 (159 ) Agency mortgage-backed securities, residential 66,278 (519 ) — — 66,278 (519 ) Total available for sale $ 101,342 $ (754 ) $ — $ — $ 101,342 $ (754 ) December 31, 2020 Less Than 12 Months 12 Months or More Total Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized Loss Securities Available for Sale Agency mortgage-backed securities, residential $ 14,517 $ (4 ) $ — $ — $ 14,517 $ (4 ) Total available for sale $ 14,517 $ (4 ) $ — $ — $ 14,517 $ (4 ) September 30, 2021 Less Than 12 Months 12 Months or More Total Fair Value Unrecognized Loss Fair Value Unrecognized Loss Fair Value Unrecognized Loss Securities Held to Maturity Obligations of states and political subdivisions $ 1,621 $ (36 ) $ — $ — $ 1,621 $ (36 ) Total held to maturity $ 1,621 $ (36 ) $ — $ — $ 1,621 $ (36 )

LOANS AND ALLOWANCE FOR LOAN _2

LOANS AND ALLOWANCE FOR LOAN LOSSES (Tables)	9 Months Ended
	Sep. 30, 2021
LOANS AND ALLOWANCE FOR LOAN LOSSES [Abstract]
Portfolio Loans	Loans are comprised of the following: September 30, 2021 December 31, 2020 Residential real estate $ 280,104 $ 305,478 Commercial real estate: Owner-occupied 74,340 51,863 Nonowner-occupied 174,627 164,523 Construction 33,605 37,063 Commercial and industrial 144,154 157,692 Consumer: Automobile 53,022 55,241 Home equity 21,521 19,993 Other 64,360 56,811 845,733 848,664 Less: Allowance for loan losses (6,664 ) (7,160 ) Loans, net $ 839,069 $ 841,504
Activity in Allowance for Loan Losses by Portfolio Segment	The following table presents the activity in the allowance for loan losses by portfolio segment for the three months ended September 30, 2021 and 2020: September 30 , 2021 Residential Real Estate Commercial Real Estate Commercial and Industrial Consumer Total Allowance for loan losses: Beginning balance $ 1,088 $ 2,532 $ 1,746 $ 1,433 $ 6,799 Provision for loan losses (34 ) 10 (263 ) 194 (93 ) Loans charged off (49 ) (63 ) (25 ) (280 ) (417 ) Recoveries 40 115 113 107 375 Total ending allowance balance $ 1,045 $ 2,594 $ 1,571 $ 1,454 $ 6,664 September 30 , 2020 Residential Real Estate Commercial Real Estate Commercial and Industrial Consumer Total Allowance for loan losses: Beginning balance $ 2,024 $ 2,700 $ 1,649 $ 1,608 $ 7,981 Provision for loan losses (275 ) (98 ) 230 141 (2 ) Loans charged-off (90 ) — (96 ) (398 ) (584 ) Recoveries 110 15 44 166 335 Total ending allowance balance $ 1,769 $ 2,617 $ 1,827 $ 1,517 $ 7,730 The following table presents the activity in the allowance for loan losses by portfolio segment for the nine months ended September 30, 2021 and 2020: September 30, 2021 Residential Real Estate Commercial Real Estate Commercial and Industrial Consumer Total Allowance for loan losses: Beginning balance $ 1,480 $ 2,431 $ 1,776 $ 1,473 $ 7,160 Provision for loan losses (443 ) 121 (260 ) 464 (118 ) Loans charged-off (75 ) (115 ) (96 ) (879 ) (1,165 ) Recoveries 83 157 151 396 787 Total ending allowance balance $ 1,045 $ 2,594 $ 1,571 $ 1,454 $ 6,664 September 30 , 2020 Residential Real Estate Commercial Real Estate Commercial and Industrial Consumer Total Allowance for loan losses: Beginning balance $ 1,250 $ 1,928 $ 1,447 $ 1,647 $ 6,272 Provision for loan losses 715 1,131 505 1,100 3,451 Loans charged-off (340 ) (516 ) (185 ) (1,677 ) (2,718 ) Recoveries 144 74 60 447 725 Total ending allowance balance $ 1,769 $ 2,617 $ 1,827 $ 1,517 $ 7,730
Allowance for Loan Losses and Recorded Investment in Loans by Portfolio Segment Based on Impairment Method	The following table presents the balance in the allowance for loan losses and the recorded investment of loans by portfolio segment and based on impairment method as of September 30, 2021 and December 31, 2020: September 30 , 2021 Residential Real Estate Commercial Real Estate Commercial and Industrial Consumer Total Allowance for loan losses: Ending allowance balance attributable to loans: Individually evaluated for impairment $ — $ — $ — $ 34 $ 34 Collectively evaluated for impairment 1,045 2,594 1,571 1,420 6,630 Total ending allowance balance $ 1,045 $ 2,594 $ 1,571 $ 1,454 $ 6,664 Loans: Loans individually evaluated for impairment $ — $ 5,479 $ 3,850 $ 79 $ 9,408 Loans collectively evaluated for impairment 280,104 277,093 140,304 138,824 836,325 Total ending loans balance $ 280,104 $ 282,572 $ 144,154 $ 138,903 $ 845,733 December 31, 2020 Residential Real Estate Commercial Real Estate Commercial and Industrial Consumer Total Allowance for loan losses: Ending allowance balance attributable to loans: Individually evaluated for impairment $ — $ — $ — $ — $ — Collectively evaluated for impairment 1,480 2,431 1,776 1,473 7,160 Total ending allowance balance $ 1,480 $ 2,431 $ 1,776 $ 1,473 $ 7,160 Loans: Loans individually evaluated for impairment $ 411 $ 5,845 $ 4,686 $ 84 $ 11,026 Loans collectively evaluated for impairment 305,067 247,604 153,006 131,961 837,638 Total ending loans balance $ 305,478 $ 253,449 $ 157,692 $ 132,045 $ 848,664
Loans Individually Evaluated for Impairment by Class of Loans	The following tables present information related to loans individually evaluated for impairment by class of loans as of September 30, 2021 and December 31, 2020: September 30 , 2021 Unpaid Principal Balance Recorded Investment Allowance for Loan Losses Allocated With an allowance recorded: Consumer: Other $ 48 $ 48 $ 34 With no related allowance recorded: Commercial real estate: Owner-occupied 5,108 5,093 — Nonowner-occupied 386 386 — Commercial and industrial 3,850 3,850 — Consumer: Home equity 31 31 — Total $ 9,423 $ 9,408 $ 34 December 31, 2020 Unpaid Principal Balance Recorded Investment Allowance for Loan Losses Allocated With an allowance recorded: $ — $ — $ — With no related allowance recorded: Residential real estate 418 411 — Commercial real estate: Owner-occupied 5,256 5,256 — Nonowner-occupied 632 589 — Commercial and industrial 4,686 4,686 — Consumer: Home equity 34 34 — Other 50 50 — Total $ 11,076 $ 11,026 $ — The following tables present information related to loans individually evaluated for impairment by class of loans for the three and nine months ended September 30, 2021 and 2020: Three months ended September 30, 2021 Nine months ended September 30, 2021 Average Impaired Loans Interest Income Recognized Cash Basis Interest Recognized Average Impaired Loans Interest Income Recognized Cash Basis Interest Recognized With an allowance recorded: Consumer: Other $ 49 $ 1 $ 1 $ 49 $ 2 $ 2 With no related allowance recorded: Commercial real estate: Owner-occupied 5,128 74 74 5,183 239 239 Nonowner-occupied 386 7 7 388 21 21 Commercial and industrial 3,174 111 111 3,586 200 200 Consumer: Home equity 32 1 1 33 2 2 Total $ 8,769 $ 194 $ 194 $ 9,239 $ 464 $ 464 Three months ended September 30, 2020 Nine months ended September 30, 2020 Average Impaired Loans Interest Income Recognized Cash Basis Interest Recognized Average Impaired Loans Interest Income Recognized Cash Basis Interest Recognized With an allowance recorded: Commercial real estate: Nonowner-occupied $ 242 $ — $ — $ 242 $ — $ — With no related allowance recorded: Residential real estate 420 7 7 426 15 15 Commercial real estate: Owner-occupied 3,161 23 23 2,957 124 124 Nonowner-occupied 753 15 15 772 39 39 Commercial and industrial 2,807 20 20 3,543 149 149 Consumer: Home equity 444 3 3 415 12 12 Total $ 7,827 $ 68 $ 68 $ 8,355 $ 339 $ 339
Recorded Investment in Nonaccrual and Loans Past Due Over 90 Days Still on Accrual by Class of Loans	The following table presents the recorded investment of nonaccrual loans and loans past due 90 days or more and still accruing by class of loans as of September 30, 2021 and December 31, 2020: September 30 , 2021 Loans Past Due 90 Days And Still Accruing Nonaccrual Residential real estate $ 2 $ 4,081 Commercial real estate: Owner-occupied — 1,095 Nonowner-occupied — 83 Construction — 155 Commercial and industrial — 149 Consumer: Automobile 135 134 Home equity — 132 Other 99 27 Total $ 236 $ 5,856 December 31, 2020 Loans Past Due 90 Days And Still Accruing Nonaccrual Residential real estate $ 127 $ 5,256 Commercial real estate: Owner-occupied — 205 Nonowner-occupied — 362 Construction — 156 Commercial and industrial 15 149 Consumer: Automobile 146 129 Home equity — 210 Other 136 36 Total $ 424 $ 6,503
Aging of Recorded Investment in Past Due Loans by Class of Loans	The following table presents the aging of the recorded investment of past due loans by class of loans as of September 30, 2021 and December 31, 2020: September 30 , 2021 30-59 Days Past Due 60-89 Days Past Due 90 Days Or More Past Due Total Past Due Loans Not Past Due Total Residential real estate $ 2,149 $ 669 $ 701 $ 3,519 $ 276,585 $ 280,104 Commercial real estate: Owner-occupied 20 — 180 200 74,140 74,340 Nonowner-occupied 100 — 83 183 174,444 174,627 Construction 37 — 33 70 33,535 33,605 Commercial and industrial 13 — 149 162 143,992 144,154 Consumer: Automobile 554 138 242 934 52,088 53,022 Home equity 29 81 110 220 21,301 21,521 Other 527 24 126 677 63,683 64,360 Total $ 3,429 $ 912 $ 1,624 $ 5,965 $ 839,768 $ 845,733 December 31, 2020 30-59 Days Past Due 60-89 Days Past Due 90 Days Or More Past Due Total Past Due Loans Not Past Due Total Residential real estate $ 2,845 $ 496 $ 1,663 $ 5,004 $ 300,474 $ 305,478 Commercial real estate: Owner-occupied 470 1,003 193 1,666 50,197 51,863 Nonowner-occupied 94 — 362 456 164,067 164,523 Construction — 82 — 82 36,981 37,063 Commercial and industrial 1,112 11 164 1,287 156,405 157,692 Consumer: Automobile 831 131 258 1,220 54,021 55,241 Home equity 204 81 113 398 19,595 19,993 Other 446 76 172 694 56,117 56,811 Total $ 6,002 $ 1,880 $ 2,925 $ 10,807 $ 837,857 $ 848,664
Troubled Debt Restructuring Loan Modifications	The following table presents the types of TDR loan modifications by class of loans as of September 30, 2021 and December 31, 2020: September 30 , 2021 TDRs Performing to Modified Terms TDRs Not Performing to Modified Terms Total TDRs Commercial real estate: Owner-occupied Reduction of principal and interest payments $ 1,463 $ — $ 1,463 Maturity extension at lower stated rate than market rate 289 — 289 Credit extension at lower stated rate than market rate 377 — 377 Nonowner-occupied Credit extension at lower stated rate than market rate 386 — 386 Commercial and industrial: Interest only payments 1,622 — 1,622 Total TDRs $ 4,137 $ — $ 4,137 December 31, 2020 TDRs Performing to Modified Terms TDRs Not Performing to Modified Terms Total TDRs Residential real estate: Interest only payments $ 202 $ — $ 202 Commercial real estate: Owner-occupied Reduction of principal and interest payments 1,486 — 1,486 Maturity extension at lower stated rate than market rate 351 — 351 Credit extension at lower stated rate than market rate 384 — 384 Nonowner-occupied Credit extension at lower stated rate than market rate 390 — 390 Commercial and industrial: Interest only payments 4,400 — 4,400 Total TDRs $ 7,213 $ — $ 7,213
Financing Receivable Credit Quality Indicators	Criticized and classified loans will mostly consist of commercial and industrial and commercial real estate loans. The Company considers its loans that do not meet the criteria for a criticized and classified asset rating as pass rated loans, which will include loans graded from 1 (Prime) to 7 (Watch). All commercial loans are categorized into a risk category either at the time of origination or reevaluation date. As of September 30, 2021 and December 31, 2020, and based on the most recent analysis performed, the risk category of commercial loans by class of loans was as follows: September 30 , 2021 Pass Criticized Classified Total Commercial real estate: Owner-occupied $ 70,971 $ 631 $ 2,738 $ 74,340 Nonowner-occupied 172,341 2,003 283 174,627 Construction 33,605 — — 33,605 Commercial and industrial 138,498 1,905 3,751 144,154 Total $ 415,415 $ 4,539 $ 6,772 $ 426,726 December 31, 2020 Pass Criticized Classified Total Commercial real estate: Owner-occupied $ 46,604 $ 669 $ 4,590 $ 51,863 Nonowner-occupied 160,324 3,629 570 164,523 Construction 37,063 — — 37,063 Commercial and industrial 150,786 2,064 4,842 157,692 Total $ 394,777 $ 6,362 $ 10,002 $ 411,141
Recorded Investment of Residential and Consumer Loans	For residential and consumer loan classes, the Company evaluates credit quality based on the aging status of the loan, which was previously presented, and by payment activity. The following table presents the recorded investment of residential and consumer loans by class of loans based on repayment activity as of September 30, 2021 and December 31, 2020: September 30 , 2021 Consumer Residential Automobile Home Equity Other Real Estate Total Performing $ 52,753 $ 21,389 $ 64,234 $ 276,021 $ 414,397 Nonperforming 269 132 126 4,083 4,610 Total $ 53,022 $ 21,521 $ 64,360 $ 280,104 $ 419,007 December 31, 2020 Consumer Residential Automobile Home Equity Other Real Estate Total Performing $ 54,966 $ 19,783 $ 56,639 $ 300,095 $ 431,483 Nonperforming 275 210 172 5,383 6,040 Total $ 55,241 $ 19,993 $ 56,811 $ 305,478 $ 437,523

OTHER BORROWED FUNDS (Tables)

OTHER BORROWED FUNDS (Tables)	9 Months Ended
	Sep. 30, 2021
OTHER BORROWED FUNDS [Abstract]
Schedule of Federal Home Loan Bank, Advances, by Branch of FHLB Bank	Other borrowed funds at September 30, 2021 and December 31, 2020 are comprised of advances from the Federal Home Loan Bank (“FHLB”) of Cincinnati and promissory notes. FHLB Borrowings Promissory Notes Totals September 30 2021 $ 21,147 $ 2,138 $ 23,285 December 31, 2020 $ 24,665 $ 3,198 $ 27,863
Schedule of Maturities of Long-term Debt	Scheduled principal payments as of September 30, 2021: FHLB Borrowings Promissory Notes Totals 2021 $ 735 $ 1,638 $ 2,373 2022 2,497 500 2,997 2023 2,352 — 2,352 2024 2,062 — 2,062 2025 1,824 — 1,824 Thereafter 11,677 — 11,677 $ 21,147 $ 2,138 $ 23,285

SEGMENT INFORMATION (Tables)

SEGMENT INFORMATION (Tables)	9 Months Ended
	Sep. 30, 2021
SEGMENT INFORMATION [Abstract]
Segment Information	Information for the Company’s reportable segments is as follows: Three Months Ended September 30, 2021 Banking Consumer Finance Total Company Net interest income $ 9,843 $ 516 $ 10,359 Provision expense (100 ) 7 (93 ) Noninterest income 2,582 30 2,612 Noninterest expense 8,861 608 9,469 Tax expense 574 (15 ) 559 Net income 3,090 (54 ) 3,036 Assets 1,232,353 13,025 1,245,378 Three Months Ended September 30, 2020 Banking Consumer Finance Total Company Net interest income $ 9,562 $ 520 $ 10,082 Provision expense — (2 ) (2 ) Noninterest income 2,385 49 2,434 Noninterest expense 9,295 596 9,891 Tax expense 339 (6 ) 333 Net income 2,313 (19 ) 2,294 Assets 1,126,202 11,736 1,137,938 Nine Months Ended September 30, 2021 Banking Consumer Finance Total Company Net interest income $ 29,124 $ 1,498 $ 30,622 Provision expense (150 ) 32 (118 ) Noninterest income 7,474 983 8,457 Noninterest expense 26,095 1,858 27,953 Tax expense 1,693 123 1,816 Net income 8,960 468 9,428 Assets 1,232,353 13,025 1,245,378 Nine Months Ended September 30, 2020 Banking Consumer Finance Total Company Net interest income $ 28,350 $ 1,531 $ 29,881 Provision expense 3,445 6 3,451 Noninterest income 8,073 1,052 9,125 Noninterest expense 27,110 1,902 29,012 Tax expense 843 141 984 Net income 5,025 534 5,559 Assets 1,126,202 11,736 1,137,938

LEASES (Tables)

LEASES (Tables)	9 Months Ended
	Sep. 30, 2021
LEASES [Abstract]
Balance Sheet Information	Balance sheet information related to leases was as follows: As of September 30, 2021 As of December 31, 2020 Operating leases: Operating lease right-of-use assets $ 1,235 $ 880 Operating lease liabilities 1,235 880
Components of Lease Cost	The components of lease cost were as follows: Three Months Ended September 30, Nine Months Ended September 30, 2021 2020 2021 2020 Operating lease cost $ 41 $ 32 $ 119 $ 127 Short-term lease expense 8 7 24 23
Maturities of Lease Liabilities	Future undiscounted lease payments for operating leases with initial terms of one year or more as of September 30, 2021 are as follows: Operating Leases 2021 $ 42 2022 168 2023 127 2024 106 2025 106 Thereafter 973 Total lease payments 1,522 Less: Imputed Interest (287 ) Total operating leases $ 1,235
Other Information	Other information was as follows: As of September 30, 2021 As of December 31, 2020 Weighted-average remaining lease term for operating leases 13.9 years 9.6 years Weighted-average discount rate for operating leases 2.29 % 2.79 %

SUMMARY OF SIGNIFICANT ACCOUN_3

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Details) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2021USD ($)shares	Sep. 30, 2020shares	Sep. 30, 2021USD ($)Segmentshares	Sep. 30, 2020shares	Dec. 31, 2020USD ($)
INDUSTRY SEGMENT INFORMATION [Abstract]
Number of reported lines of business | Segment			2
LOANS [Abstract]
Loans held for sale | $	$ 858		$ 858		$ 70
EARNINGS PER SHARE [Abstract]
Number of weighted average common shares outstanding (in shares) | shares	4,783,886	4,787,446	4,786,246	4,787,446

FAIR VALUE OF FINANCIAL INSTR_3

FAIR VALUE OF FINANCIAL INSTRUMENTS, Assets and Liabilities Measured on Recurring Basis (Details) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2021	Dec. 31, 2020	Sep. 30, 2020
FAIR VALUE OF FINANCIAL INSTRUMENTS [Abstract]
Selling costs percentage	10.00%
Fair Value, Asset and Liabilities [Abstract]
Assets, transfers from Level 1 to Level 2	$ 0		$ 0
Assets, transfers from Level 2 to Level 1	0		0
Liabilities, transfers from Level 1 to Level 2	0		0
Liabilities, transfers from Level 2 to Level 1	0		$ 0
Recurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Interest Rate Swap Derivatives [Member]
Fair Value, Asset and Liabilities [Abstract]
Assets, fair value	0	$ 0
Liabilities, fair value	0	0
Recurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | U.S. Government Securities [Member]
Fair Value, Asset and Liabilities [Abstract]
Assets, fair value	0
Recurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | U.S. Government Sponsored Entity Securities [Member]
Fair Value, Asset and Liabilities [Abstract]
Assets, fair value	0	0
Recurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Agency Mortgage-backed Securities, Residential [Member]
Fair Value, Asset and Liabilities [Abstract]
Assets, fair value	0	0
Recurring [Member] | Significant Other Observable (Level 2) [Member] | Interest Rate Swap Derivatives [Member]
Fair Value, Asset and Liabilities [Abstract]
Assets, fair value	699	928
Liabilities, fair value	(699)	(928)
Recurring [Member] | Significant Other Observable (Level 2) [Member] | U.S. Government Securities [Member]
Fair Value, Asset and Liabilities [Abstract]
Assets, fair value	17,724
Recurring [Member] | Significant Other Observable (Level 2) [Member] | U.S. Government Sponsored Entity Securities [Member]
Fair Value, Asset and Liabilities [Abstract]
Assets, fair value	29,992	18,153
Recurring [Member] | Significant Other Observable (Level 2) [Member] | Agency Mortgage-backed Securities, Residential [Member]
Fair Value, Asset and Liabilities [Abstract]
Assets, fair value	125,732	94,169
Recurring [Member] | Significant Unobservable Inputs (Level 3) [Member] | Interest Rate Swap Derivatives [Member]
Fair Value, Asset and Liabilities [Abstract]
Assets, fair value	0	0
Liabilities, fair value	0	0
Recurring [Member] | Significant Unobservable Inputs (Level 3) [Member] | U.S. Government Securities [Member]
Fair Value, Asset and Liabilities [Abstract]
Assets, fair value	0
Recurring [Member] | Significant Unobservable Inputs (Level 3) [Member] | U.S. Government Sponsored Entity Securities [Member]
Fair Value, Asset and Liabilities [Abstract]
Assets, fair value	0	0
Recurring [Member] | Significant Unobservable Inputs (Level 3) [Member] | Agency Mortgage-backed Securities, Residential [Member]
Fair Value, Asset and Liabilities [Abstract]
Assets, fair value	$ 0	$ 0

FAIR VALUE OF FINANCIAL INSTR_4

FAIR VALUE OF FINANCIAL INSTRUMENTS, Assets and Liabilities Measured on Nonrecurring Basis (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2021	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020	Dec. 31, 2020
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Abstract]
Other real estate	$ 0		$ 0		$ 0
Other real estate, write-down	$ 0	$ 0	$ 0	$ 0

FAIR VALUE OF FINANCIAL INSTR_5

FAIR VALUE OF FINANCIAL INSTRUMENTS, Carrying Amounts and Estimated Fair Values of Financial Instruments (Details) - USD ($) $ in Thousands	Sep. 30, 2021	Dec. 31, 2020
Financial Assets [Abstract]
Securities available for sale	$ 173,448	$ 112,322
Carrying Amount [Member]
Financial Assets [Abstract]
Cash and cash equivalents	135,064	138,303
Certificates of deposit in financial institutions	2,500	2,500
Securities available for sale	173,448	112,322
Securities held to maturity	9,753	10,020
Loans, net	839,069	841,504
Interest rate swap derivatives	699	928
Accrued interest receivable	3,118	3,319
Financial Liabilities [Abstract]
Deposits	1,051,675	993,739
Other borrowed funds	23,285	27,863
Subordinated debentures	8,500	8,500
Interest rate swap derivatives	699	928
Accrued interest payable	503	1,100
Estimated Fair Value [Member]
Financial Assets [Abstract]
Cash and cash equivalents	135,064	138,303
Certificates of deposit in financial institutions	2,500	2,500
Securities available for sale	173,448	112,322
Securities held to maturity	9,949	10,344
Loans, net	836,161	837,387
Interest rate swap derivatives	699	928
Accrued interest receivable	3,118	3,319
Financial Liabilities [Abstract]
Deposits	1,052,478	995,681
Other borrowed funds	24,442	29,807
Subordinated debentures	5,522	5,556
Interest rate swap derivatives	699	928
Accrued interest payable	503	1,100
Estimated Fair Value [Member] | Level 1 [Member]
Financial Assets [Abstract]
Cash and cash equivalents	135,064	138,303
Certificates of deposit in financial institutions	0	0
Securities available for sale	0	0
Securities held to maturity	0	0
Loans, net	0	0
Interest rate swap derivatives	0	0
Accrued interest receivable	0	0
Financial Liabilities [Abstract]
Deposits	331,195	314,777
Other borrowed funds	0	0
Subordinated debentures	0	0
Interest rate swap derivatives	0	0
Accrued interest payable	1	1
Estimated Fair Value [Member] | Level 2 [Member]
Financial Assets [Abstract]
Cash and cash equivalents	0	0
Certificates of deposit in financial institutions	2,500	2,500
Securities available for sale	173,448	112,322
Securities held to maturity	5,993	4,989
Loans, net	0	0
Interest rate swap derivatives	699	928
Accrued interest receivable	444	283
Financial Liabilities [Abstract]
Deposits	721,283	680,904
Other borrowed funds	24,442	29,807
Subordinated debentures	5,522	5,556
Interest rate swap derivatives	699	928
Accrued interest payable	502	1,099
Estimated Fair Value [Member] | Level 3 [Member]
Financial Assets [Abstract]
Cash and cash equivalents	0	0
Certificates of deposit in financial institutions	0	0
Securities available for sale	0	0
Securities held to maturity	3,956	5,355
Loans, net	836,161	837,387
Interest rate swap derivatives	0	0
Accrued interest receivable	2,674	3,036
Financial Liabilities [Abstract]
Deposits	0	0
Other borrowed funds	0	0
Subordinated debentures	0	0
Interest rate swap derivatives	0	0
Accrued interest payable	$ 0	$ 0

SECURITIES, Amortized Cost and

SECURITIES, Amortized Cost and Fair Value of Securities Available-for-sale (Details) - USD ($) $ in Thousands	Sep. 30, 2021	Dec. 31, 2020
Available-for-sale Investment Securities [Abstract]
Amortized Cost	$ 172,071	$ 109,239
Gross Unrealized Gains	2,131	3,087
Gross Unrealized Losses	(754)	(4)
Estimated Fair Value	173,448	112,322
U.S. Government Securities [Member]
Available-for-sale Investment Securities [Abstract]
Amortized Cost	17,800
Gross Unrealized Gains	0
Gross Unrealized Losses	(76)
Estimated Fair Value	17,724
US Government-sponsored Entity Securities [Member]
Available-for-sale Investment Securities [Abstract]
Amortized Cost	29,980	17,814
Gross Unrealized Gains	171	339
Gross Unrealized Losses	(159)	0
Estimated Fair Value	29,992	18,153
Agency Mortgage-backed Securities, Residential [Member]
Available-for-sale Investment Securities [Abstract]
Amortized Cost	124,291	91,425
Gross Unrealized Gains	1,960	2,748
Gross Unrealized Losses	(519)	(4)
Estimated Fair Value	$ 125,732	$ 94,169

SECURITIES, Amortized Cost an_2

SECURITIES, Amortized Cost and Fair Value of Securities Held-to-maturity (Details) - USD ($) $ in Thousands	Sep. 30, 2021	Dec. 31, 2020
Debt Securities, Held-to-maturity, Maturity, Amortized Cost [Abstract]
Amortized Cost	$ 9,753	$ 10,020
Gross Unrealized Gains	232	324
Gross Unrecognized Losses	(36)	0
Estimated Fair Value	9,949	10,344
Obligations of States and Political Subdivisions [Member]
Debt Securities, Held-to-maturity, Maturity, Amortized Cost [Abstract]
Amortized Cost	9,751	10,018
Gross Unrealized Gains	232	324
Gross Unrecognized Losses	(36)	0
Estimated Fair Value	9,947	10,342
Agency Mortgage-backed Securities, Residential [Member]
Debt Securities, Held-to-maturity, Maturity, Amortized Cost [Abstract]
Amortized Cost	2	2
Gross Unrealized Gains	0	0
Gross Unrecognized Losses	0	0
Estimated Fair Value	$ 2	$ 2

SECURITIES, Amortized Cost an_3

SECURITIES, Amortized Cost and Fair Value of Securities by Contractual Maturity (Details) - USD ($) $ in Thousands	Sep. 30, 2021	Dec. 31, 2020
Amortized cost of Available-for-sale Securities by Contractual Maturity [Abstract]
Due in one year or less	$ 4,001
Due in over one to five years	11,187
Due in over five to ten years	32,592
Due after ten years	0
Agency mortgage-backed securities, residential	124,291
Amortized Cost	172,071	$ 109,239
Fair Value of Available-for-sale Securities by Contractual Maturity [Abstract]
Due in one year or less	4,037
Due in over one to five years	11,266
Due in over five to ten years	32,413
Due after ten years	0
Agency mortgage-backed securities, residential	125,732
Estimated Fair Value	173,448	112,322
Debt Securities, Held-to-maturity, Maturity, Amortized Cost, Net [Abstract]
Due in one year or less	1,093
Due in over one to five years	3,752
Due in over five to ten years	4,579
Due after ten years	327
Agency mortgage-backed securities, residential	2
Amortized Cost	9,753	10,020
Debt Securities, Held-to-maturity, Maturity, Fair Value [Abstract]
Due in one year or less	1,117
Due in over one to five years	3,863
Due in over five to ten years	4,648
Due after ten years	319
Agency mortgage-backed securities, residential	2
Estimated Fair Value	9,949	10,344
Agency Mortgage-backed Securities, Residential [Member]
Amortized cost of Available-for-sale Securities by Contractual Maturity [Abstract]
Amortized Cost	124,291	91,425
Fair Value of Available-for-sale Securities by Contractual Maturity [Abstract]
Estimated Fair Value	125,732	94,169
Debt Securities, Held-to-maturity, Maturity, Amortized Cost, Net [Abstract]
Amortized Cost	2	2
Debt Securities, Held-to-maturity, Maturity, Fair Value [Abstract]
Estimated Fair Value	$ 2	$ 2

SECURITIES, Available-for-sale

SECURITIES, Available-for-sale Securities with Unrealized Losses in Continuous Unrealized Loss Position (Details) - USD ($) $ in Thousands	Sep. 30, 2021	Dec. 31, 2020
Available-for-sale Securities with Continuous Unrealized Loss Position, Fair Value [Abstract]
Less than 12 Months - Fair Value	$ 101,342	$ 14,517
12 Months or More - Fair Value	0	0
Fair Value	101,342	14,517
Available-for-sale Securities with Continuous Unrealized Loss Position, Unrealized Loss [Abstract]
Less than 12 Months - Unrealized Loss	(754)	(4)
12 Months or More - Unrealized Loss	0	0
Unrealized Loss	(754)	(4)
U.S. Government Securities [Member]
Available-for-sale Securities with Continuous Unrealized Loss Position, Fair Value [Abstract]
Less than 12 Months - Fair Value	17,724
12 Months or More - Fair Value	0
Fair Value	17,724
Available-for-sale Securities with Continuous Unrealized Loss Position, Unrealized Loss [Abstract]
Less than 12 Months - Unrealized Loss	(76)
12 Months or More - Unrealized Loss	0
Unrealized Loss	(76)
US Government-sponsored Entity Securities [Member]
Available-for-sale Securities with Continuous Unrealized Loss Position, Fair Value [Abstract]
Less than 12 Months - Fair Value	17,340
12 Months or More - Fair Value	0
Fair Value	17,340
Available-for-sale Securities with Continuous Unrealized Loss Position, Unrealized Loss [Abstract]
Less than 12 Months - Unrealized Loss	(159)
12 Months or More - Unrealized Loss	0
Unrealized Loss	(159)
Agency Mortgage-backed Securities, Residential [Member]
Available-for-sale Securities with Continuous Unrealized Loss Position, Fair Value [Abstract]
Less than 12 Months - Fair Value	66,278	14,517
12 Months or More - Fair Value	0	0
Fair Value	66,278	14,517
Available-for-sale Securities with Continuous Unrealized Loss Position, Unrealized Loss [Abstract]
Less than 12 Months - Unrealized Loss	(519)	(4)
12 Months or More - Unrealized Loss	0	0
Unrealized Loss	$ (519)	$ (4)

SECURITIES, Held-to-Maturity Se

SECURITIES, Held-to-Maturity Securities with Unrealized Losses in Continuous Unrealized Loss Position (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2021	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020	Dec. 31, 2020
Held-to-maturity Securities with Continuous Unrealized Loss Position, Fair Value [Abstract]
Less Than 12 Months - Fair Value	$ 1,621		$ 1,621
12 Months or More - Fair Value	0		0
Fair Value	1,621		1,621
Held-to-maturity Securities with Unrealized Loss Position, Unrealized Loss [Abstract]
Less Than 12 Months - Unrecognized Loss	(36)		(36)
12 Months or More - Unrecognized Loss	0		0
Unrecognized Loss	(36)		(36)
Unrealized Losses and Other-than-temporary Impairment [Abstract]
Proceeds from sale of investment securities	0	$ 0	0	$ 0
Other than temporary impairment losses			0		$ 0
Obligations of States and Political Subdivisions [Member]
Held-to-maturity Securities with Continuous Unrealized Loss Position, Fair Value [Abstract]
Less Than 12 Months - Fair Value	1,621		1,621
12 Months or More - Fair Value	0		0
Fair Value	1,621		1,621
Held-to-maturity Securities with Unrealized Loss Position, Unrealized Loss [Abstract]
Less Than 12 Months - Unrecognized Loss	(36)		(36)
12 Months or More - Unrecognized Loss	0		0
Unrecognized Loss	$ (36)		$ (36)

LOANS AND ALLOWANCE FOR LOAN _3

LOANS AND ALLOWANCE FOR LOAN LOSSES, Loans (Details) - USD ($) $ in Thousands	Sep. 30, 2021	Jun. 30, 2021	Dec. 31, 2020	Sep. 30, 2020	Jun. 30, 2020	Dec. 31, 2019
Loans [Abstract]
Total loans	$ 845,733		$ 848,664
Less: Allowance for loan losses	(6,664)	$ (6,799)	(7,160)	$ (7,730)	$ (7,981)	$ (6,272)
Net loans	839,069		841,504
Residential Real Estate [Member]
Loans [Abstract]
Total loans	280,104		305,478
Less: Allowance for loan losses	(1,045)	(1,088)	(1,480)	(1,769)	(2,024)	(1,250)
Commercial Real Estate [Member]
Loans [Abstract]
Total loans	282,572		253,449
Less: Allowance for loan losses	(2,594)	(2,532)	(2,431)	(2,617)	(2,700)	(1,928)
Commercial Real Estate [Member] | Owner-occupied [Member]
Loans [Abstract]
Total loans	74,340		51,863
Commercial Real Estate [Member] | Nonowner-occupied [Member]
Loans [Abstract]
Total loans	174,627		164,523
Commercial Real Estate [Member] | Construction [Member]
Loans [Abstract]
Total loans	33,605		37,063
Commercial and Industrial [Member]
Loans [Abstract]
Total loans	144,154		157,692
Less: Allowance for loan losses	(1,571)	(1,746)	(1,776)	(1,827)	(1,649)	(1,447)
Commercial and Industrial [Member] | PPP [Member]
Loans [Abstract]
Total loans	5,611
Consumer [Member]
Loans [Abstract]
Total loans	138,903		132,045
Less: Allowance for loan losses	(1,454)	$ (1,433)	(1,473)	$ (1,517)	$ (1,608)	$ (1,647)
Consumer [Member] | Automobile [Member]
Loans [Abstract]
Total loans	53,022		55,241
Consumer [Member] | Home Equity [Member]
Loans [Abstract]
Total loans	21,521		19,993
Consumer [Member] | Other [Member]
Loans [Abstract]
Total loans	$ 64,360		$ 56,811

LOANS AND ALLOWANCE FOR LOAN _4

LOANS AND ALLOWANCE FOR LOAN LOSSES, Allowance for Loan Losses by Portfolio Segment (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2021	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance	$ 6,799	$ 7,981	$ 7,160	$ 6,272
Provision for loan losses	(93)	(2)	(118)	3,451
Loans charged-off	(417)	(584)	(1,165)	(2,718)
Recoveries	375	335	787	725
Ending balance	6,664	7,730	6,664	7,730
Residential Real Estate [Member]
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance	1,088	2,024	1,480	1,250
Provision for loan losses	(34)	(275)	(443)	715
Loans charged-off	(49)	(90)	(75)	(340)
Recoveries	40	110	83	144
Ending balance	1,045	1,769	1,045	1,769
Commercial Real Estate [Member]
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance	2,532	2,700	2,431	1,928
Provision for loan losses	10	(98)	121	1,131
Loans charged-off	(63)	0	(115)	(516)
Recoveries	115	15	157	74
Ending balance	2,594	2,617	2,594	2,617
Commercial and Industrial [Member]
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance	1,746	1,649	1,776	1,447
Provision for loan losses	(263)	230	(260)	505
Loans charged-off	(25)	(96)	(96)	(185)
Recoveries	113	44	151	60
Ending balance	1,571	1,827	1,571	1,827
Consumer [Member]
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance	1,433	1,608	1,473	1,647
Provision for loan losses	194	141	464	1,100
Loans charged-off	(280)	(398)	(879)	(1,677)
Recoveries	107	166	396	447
Ending balance	$ 1,454	$ 1,517	$ 1,454	$ 1,517

LOANS AND ALLOWANCE FOR LOAN _5

LOANS AND ALLOWANCE FOR LOAN LOSSES, Allowance for Loans Losses and Recorded Investment in Loans by Portfolio Segment Based on Impairment Method (Details) - USD ($) $ in Thousands	Sep. 30, 2021	Jun. 30, 2021	Dec. 31, 2020	Sep. 30, 2020	Jun. 30, 2020	Dec. 31, 2019
Ending allowance balance attributable to loans [Abstract]
Individually evaluated for impairment	$ 34		$ 0
Collectively evaluated for impairment	6,630		7,160
Total ending allowance balance	6,664	$ 6,799	7,160	$ 7,730	$ 7,981	$ 6,272
Loans [Abstract]
Loans individually evaluated for impairment	9,408		11,026
Loans collectively evaluated for impairment	836,325		837,638
Total ending loans balance	845,733		848,664
Residential Real Estate [Member]
Ending allowance balance attributable to loans [Abstract]
Individually evaluated for impairment	0		0
Collectively evaluated for impairment	1,045		1,480
Total ending allowance balance	1,045	1,088	1,480	1,769	2,024	1,250
Loans [Abstract]
Loans individually evaluated for impairment	0		411
Loans collectively evaluated for impairment	280,104		305,067
Total ending loans balance	280,104		305,478
Commercial Real Estate [Member]
Ending allowance balance attributable to loans [Abstract]
Individually evaluated for impairment	0		0
Collectively evaluated for impairment	2,594		2,431
Total ending allowance balance	2,594	2,532	2,431	2,617	2,700	1,928
Loans [Abstract]
Loans individually evaluated for impairment	5,479		5,845
Loans collectively evaluated for impairment	277,093		247,604
Total ending loans balance	282,572		253,449
Commercial and Industrial [Member]
Ending allowance balance attributable to loans [Abstract]
Individually evaluated for impairment	0		0
Collectively evaluated for impairment	1,571		1,776
Total ending allowance balance	1,571	1,746	1,776	1,827	1,649	1,447
Loans [Abstract]
Loans individually evaluated for impairment	3,850		4,686
Loans collectively evaluated for impairment	140,304		153,006
Total ending loans balance	144,154		157,692
Consumer [Member]
Ending allowance balance attributable to loans [Abstract]
Individually evaluated for impairment	34		0
Collectively evaluated for impairment	1,420		1,473
Total ending allowance balance	1,454	$ 1,433	1,473	$ 1,517	$ 1,608	$ 1,647
Loans [Abstract]
Loans individually evaluated for impairment	79		84
Loans collectively evaluated for impairment	138,824		131,961
Total ending loans balance	$ 138,903		$ 132,045

LOANS AND ALLOWANCE FOR LOAN _6

LOANS AND ALLOWANCE FOR LOAN LOSSES, Impaired Loans (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2021	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020	Dec. 31, 2020
Total [Abstract]
Unpaid principal balance	$ 9,423		$ 9,423		$ 11,076
Recorded investment	9,408		9,408		11,026
Allowance for Loan Losses Allocated	34		34		0
Impaired loans [Abstract]
Average impaired loans	8,769	$ 7,827	9,239	$ 8,355
Interest income recognized	194	68	464	339
Cash basis interest recognized	194	68	464	339
Residential Real Estate [Member]
With no related allowance recorded [Abstract]
Unpaid principal balance					418
Recorded investment					411
Impaired loans [Abstract]
Average impaired loans - with no allowance recorded		420		426
Interest income recognized - with no allowance recorded		7		15
Cash basis interest recognized - with no allowance recorded		7		15
Commercial Real Estate [Member] | Owner-occupied [Member]
With no related allowance recorded [Abstract]
Unpaid principal balance	5,108		5,108		5,256
Recorded investment	5,093		5,093		5,256
Impaired loans [Abstract]
Average impaired loans - with no allowance recorded	5,128	3,161	5,183	2,957
Interest income recognized - with no allowance recorded	74	23	239	124
Cash basis interest recognized - with no allowance recorded	74	23	239	124
Commercial Real Estate [Member] | Nonowner-occupied [Member]
With no related allowance recorded [Abstract]
Unpaid principal balance	386		386		632
Recorded investment	386		386		589
Impaired loans [Abstract]
Average impaired loans - with an allowance recorded		242		242
Interest income recognized - with an allowance recorded		0		0
Cash basis interest recognized - with an allowance recorded		0		0
Average impaired loans - with no allowance recorded	386	753	388	772
Interest income recognized - with no allowance recorded	7	15	21	39
Cash basis interest recognized - with no allowance recorded	7	15	21	39
Commercial and Industrial [Member]
With no related allowance recorded [Abstract]
Unpaid principal balance	3,850		3,850		4,686
Recorded investment	3,850		3,850		4,686
Impaired loans [Abstract]
Average impaired loans - with no allowance recorded	3,174	2,807	3,586	3,543
Interest income recognized - with no allowance recorded	111	20	200	149
Cash basis interest recognized - with no allowance recorded	111	20	200	149
Consumer [Member] | Home Equity [Member]
With no related allowance recorded [Abstract]
Unpaid principal balance	31		31		34
Recorded investment	31		31		34
Impaired loans [Abstract]
Average impaired loans - with no allowance recorded	32	444	33	415
Interest income recognized - with no allowance recorded	1	3	2	12
Cash basis interest recognized - with no allowance recorded	1	$ 3	2	$ 12
Consumer [Member] | Other [Member]
With an allowance recorded [Abstract]
Unpaid principal balance	48		48
Recorded investment	48		48
With no related allowance recorded [Abstract]
Unpaid principal balance					50
Recorded investment					$ 50
Total [Abstract]
Allowance for Loan Losses Allocated	34		34
Impaired loans [Abstract]
Average impaired loans - with an allowance recorded	49		49
Interest income recognized - with an allowance recorded	1		2
Cash basis interest recognized - with an allowance recorded	$ 1		$ 2

LOANS AND ALLOWANCE FOR LOAN _7

LOANS AND ALLOWANCE FOR LOAN LOSSES, Nonaccrual Loans and Loans Past Due 90 Days or More and Still Accruing (Details) - USD ($) $ in Thousands	Sep. 30, 2021	Dec. 31, 2020
Recorded Investment in Nonaccrual and Loans Past Due Over90 Days Still on Accrual by Class of Loans [Abstract]
Loans past due 90 days and still accruing	$ 236	$ 424
Nonaccrual	5,856	6,503
Residential Real Estate [Member]
Recorded Investment in Nonaccrual and Loans Past Due Over90 Days Still on Accrual by Class of Loans [Abstract]
Real estate acquired		43
Mortgage loans in process of foreclosure	415	1,097
Loans past due 90 days and still accruing	2	127
Nonaccrual	4,081	5,256
Commercial Real Estate [Member] | Owner-occupied [Member]
Recorded Investment in Nonaccrual and Loans Past Due Over90 Days Still on Accrual by Class of Loans [Abstract]
Loans past due 90 days and still accruing	0	0
Nonaccrual	1,095	205
Commercial Real Estate [Member] | Nonowner-occupied [Member]
Recorded Investment in Nonaccrual and Loans Past Due Over90 Days Still on Accrual by Class of Loans [Abstract]
Loans past due 90 days and still accruing	0	0
Nonaccrual	83	362
Commercial Real Estate [Member] | Construction [Member]
Recorded Investment in Nonaccrual and Loans Past Due Over90 Days Still on Accrual by Class of Loans [Abstract]
Loans past due 90 days and still accruing	0	0
Nonaccrual	155	156
Commercial and Industrial [Member]
Recorded Investment in Nonaccrual and Loans Past Due Over90 Days Still on Accrual by Class of Loans [Abstract]
Loans past due 90 days and still accruing	0	15
Nonaccrual	149	149
Consumer [Member] | Automobile [Member]
Recorded Investment in Nonaccrual and Loans Past Due Over90 Days Still on Accrual by Class of Loans [Abstract]
Loans past due 90 days and still accruing	135	146
Nonaccrual	134	129
Consumer [Member] | Home Equity [Member]
Recorded Investment in Nonaccrual and Loans Past Due Over90 Days Still on Accrual by Class of Loans [Abstract]
Loans past due 90 days and still accruing	0	0
Nonaccrual	132	210
Consumer [Member] | Other [Member]
Recorded Investment in Nonaccrual and Loans Past Due Over90 Days Still on Accrual by Class of Loans [Abstract]
Loans past due 90 days and still accruing	99	136
Nonaccrual	$ 27	$ 36

LOANS AND ALLOWANCE FOR LOAN _8

LOANS AND ALLOWANCE FOR LOAN LOSSES, Past Due Loans (Details) - USD ($) $ in Thousands	Sep. 30, 2021	Dec. 31, 2020
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total loans balance	$ 845,733	$ 848,664
Residential Real Estate [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total loans balance	280,104	305,478
Commercial Real Estate [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total loans balance	282,572	253,449
Commercial Real Estate [Member] | Owner-occupied [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total loans balance	74,340	51,863
Commercial Real Estate [Member] | Nonowner-occupied [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total loans balance	174,627	164,523
Commercial Real Estate [Member] | Construction [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total loans balance	33,605	37,063
Commercial and Industrial [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total loans balance	144,154	157,692
Consumer [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total loans balance	138,903	132,045
Consumer [Member] | Automobile [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total loans balance	53,022	55,241
Consumer [Member] | Home Equity [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total loans balance	21,521	19,993
Consumer [Member] | Other [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total loans balance	64,360	56,811
Total Past Due [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total loans balance	5,965	10,807
Total Past Due [Member] | Residential Real Estate [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total loans balance	3,519	5,004
Total Past Due [Member] | Commercial Real Estate [Member] | Owner-occupied [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total loans balance	200	1,666
Total Past Due [Member] | Commercial Real Estate [Member] | Nonowner-occupied [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total loans balance	183	456
Total Past Due [Member] | Commercial Real Estate [Member] | Construction [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total loans balance	70	82
Total Past Due [Member] | Commercial and Industrial [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total loans balance	162	1,287
Total Past Due [Member] | Consumer [Member] | Automobile [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total loans balance	934	1,220
Total Past Due [Member] | Consumer [Member] | Home Equity [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total loans balance	220	398
Total Past Due [Member] | Consumer [Member] | Other [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total loans balance	677	694
30 to 59 Days Past Due [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total loans balance	3,429	6,002
30 to 59 Days Past Due [Member] | Residential Real Estate [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total loans balance	2,149	2,845
30 to 59 Days Past Due [Member] | Commercial Real Estate [Member] | Owner-occupied [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total loans balance	20	470
30 to 59 Days Past Due [Member] | Commercial Real Estate [Member] | Nonowner-occupied [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total loans balance	100	94
30 to 59 Days Past Due [Member] | Commercial Real Estate [Member] | Construction [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total loans balance	37	0
30 to 59 Days Past Due [Member] | Commercial and Industrial [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total loans balance	13	1,112
30 to 59 Days Past Due [Member] | Consumer [Member] | Automobile [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total loans balance	554	831
30 to 59 Days Past Due [Member] | Consumer [Member] | Home Equity [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total loans balance	29	204
30 to 59 Days Past Due [Member] | Consumer [Member] | Other [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total loans balance	527	446
60 to 89 Days Past Due [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total loans balance	912	1,880
60 to 89 Days Past Due [Member] | Residential Real Estate [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total loans balance	669	496
60 to 89 Days Past Due [Member] | Commercial Real Estate [Member] | Owner-occupied [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total loans balance	0	1,003
60 to 89 Days Past Due [Member] | Commercial Real Estate [Member] | Nonowner-occupied [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total loans balance	0	0
60 to 89 Days Past Due [Member] | Commercial Real Estate [Member] | Construction [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total loans balance	0	82
60 to 89 Days Past Due [Member] | Commercial and Industrial [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total loans balance	0	11
60 to 89 Days Past Due [Member] | Consumer [Member] | Automobile [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total loans balance	138	131
60 to 89 Days Past Due [Member] | Consumer [Member] | Home Equity [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total loans balance	81	81
60 to 89 Days Past Due [Member] | Consumer [Member] | Other [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total loans balance	24	76
90 Days or More Past Due [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total loans balance	1,624	2,925
90 Days or More Past Due [Member] | Residential Real Estate [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total loans balance	701	1,663
90 Days or More Past Due [Member] | Commercial Real Estate [Member] | Owner-occupied [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total loans balance	180	193
90 Days or More Past Due [Member] | Commercial Real Estate [Member] | Nonowner-occupied [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total loans balance	83	362
90 Days or More Past Due [Member] | Commercial Real Estate [Member] | Construction [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total loans balance	33	0
90 Days or More Past Due [Member] | Commercial and Industrial [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total loans balance	149	164
90 Days or More Past Due [Member] | Consumer [Member] | Automobile [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total loans balance	242	258
90 Days or More Past Due [Member] | Consumer [Member] | Home Equity [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total loans balance	110	113
90 Days or More Past Due [Member] | Consumer [Member] | Other [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total loans balance	126	172
Loans Not Past Due [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total loans balance	839,768	837,857
Loans Not Past Due [Member] | Residential Real Estate [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total loans balance	276,585	300,474
Loans Not Past Due [Member] | Commercial Real Estate [Member] | Owner-occupied [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total loans balance	74,140	50,197
Loans Not Past Due [Member] | Commercial Real Estate [Member] | Nonowner-occupied [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total loans balance	174,444	164,067
Loans Not Past Due [Member] | Commercial Real Estate [Member] | Construction [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total loans balance	33,535	36,981
Loans Not Past Due [Member] | Commercial and Industrial [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total loans balance	143,992	156,405
Loans Not Past Due [Member] | Consumer [Member] | Automobile [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total loans balance	52,088	54,021
Loans Not Past Due [Member] | Consumer [Member] | Home Equity [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total loans balance	21,301	19,595
Loans Not Past Due [Member] | Consumer [Member] | Other [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total loans balance	$ 63,683	$ 56,117

LOANS AND ALLOWANCE FOR LOAN _9

LOANS AND ALLOWANCE FOR LOAN LOSSES, TDR Loan Modifications (Details) - USD ($) $ in Thousands	Sep. 30, 2021	Dec. 31, 2020
Troubled Debt Restructuring Loan Modifications [Abstract]
Troubled Debt Restructuring	$ 4,137	$ 7,213
Specific allocations in reserves to customers	0
Commitments to lend additional amounts to customers	3,878	1,100
Residential Real Estate [Member] | Interest Only Payments [Member]
Troubled Debt Restructuring Loan Modifications [Abstract]
Troubled Debt Restructuring		202
Commercial Real Estate [Member] | Owner-occupied [Member] | Reduction of Principal and Interest Payments [Member]
Troubled Debt Restructuring Loan Modifications [Abstract]
Troubled Debt Restructuring	1,463	1,486
Commercial Real Estate [Member] | Owner-occupied [Member] | Maturity Extension at Lower Stated Rate than Market Rate [Member]
Troubled Debt Restructuring Loan Modifications [Abstract]
Troubled Debt Restructuring	289	351
Commercial Real Estate [Member] | Owner-occupied [Member] | Credit Extension at Lower Stated Rate than Market Rate [Member]
Troubled Debt Restructuring Loan Modifications [Abstract]
Troubled Debt Restructuring	377	384
Commercial Real Estate [Member] | Nonowner-occupied [Member] | Credit Extension at Lower Stated Rate than Market Rate [Member]
Troubled Debt Restructuring Loan Modifications [Abstract]
Troubled Debt Restructuring	386	390
Commercial and Industrial [Member] | Interest Only Payments [Member]
Troubled Debt Restructuring Loan Modifications [Abstract]
Troubled Debt Restructuring	1,622	4,400
Performing to Modified Terms [Member]
Troubled Debt Restructuring Loan Modifications [Abstract]
Troubled Debt Restructuring	4,137	7,213
Performing to Modified Terms [Member] | Residential Real Estate [Member] | Interest Only Payments [Member]
Troubled Debt Restructuring Loan Modifications [Abstract]
Troubled Debt Restructuring		202
Performing to Modified Terms [Member] | Commercial Real Estate [Member] | Owner-occupied [Member] | Reduction of Principal and Interest Payments [Member]
Troubled Debt Restructuring Loan Modifications [Abstract]
Troubled Debt Restructuring	1,463	1,486
Performing to Modified Terms [Member] | Commercial Real Estate [Member] | Owner-occupied [Member] | Maturity Extension at Lower Stated Rate than Market Rate [Member]
Troubled Debt Restructuring Loan Modifications [Abstract]
Troubled Debt Restructuring	289	351
Performing to Modified Terms [Member] | Commercial Real Estate [Member] | Owner-occupied [Member] | Credit Extension at Lower Stated Rate than Market Rate [Member]
Troubled Debt Restructuring Loan Modifications [Abstract]
Troubled Debt Restructuring	377	384
Performing to Modified Terms [Member] | Commercial Real Estate [Member] | Nonowner-occupied [Member] | Credit Extension at Lower Stated Rate than Market Rate [Member]
Troubled Debt Restructuring Loan Modifications [Abstract]
Troubled Debt Restructuring	386	390
Performing to Modified Terms [Member] | Commercial and Industrial [Member] | Interest Only Payments [Member]
Troubled Debt Restructuring Loan Modifications [Abstract]
Troubled Debt Restructuring	1,622	4,400
Not Performing to Modified Terms [Member]
Troubled Debt Restructuring Loan Modifications [Abstract]
Troubled Debt Restructuring	0	0
Not Performing to Modified Terms [Member] | Residential Real Estate [Member] | Interest Only Payments [Member]
Troubled Debt Restructuring Loan Modifications [Abstract]
Troubled Debt Restructuring		0
Not Performing to Modified Terms [Member] | Commercial Real Estate [Member] | Owner-occupied [Member] | Reduction of Principal and Interest Payments [Member]
Troubled Debt Restructuring Loan Modifications [Abstract]
Troubled Debt Restructuring	0	0
Not Performing to Modified Terms [Member] | Commercial Real Estate [Member] | Owner-occupied [Member] | Maturity Extension at Lower Stated Rate than Market Rate [Member]
Troubled Debt Restructuring Loan Modifications [Abstract]
Troubled Debt Restructuring	0	0
Not Performing to Modified Terms [Member] | Commercial Real Estate [Member] | Owner-occupied [Member] | Credit Extension at Lower Stated Rate than Market Rate [Member]
Troubled Debt Restructuring Loan Modifications [Abstract]
Troubled Debt Restructuring	0	0
Not Performing to Modified Terms [Member] | Commercial Real Estate [Member] | Nonowner-occupied [Member] | Credit Extension at Lower Stated Rate than Market Rate [Member]
Troubled Debt Restructuring Loan Modifications [Abstract]
Troubled Debt Restructuring	0	0
Not Performing to Modified Terms [Member] | Commercial and Industrial [Member] | Interest Only Payments [Member]
Troubled Debt Restructuring Loan Modifications [Abstract]
Troubled Debt Restructuring	$ 0	$ 0

LOANS AND ALLOWANCE FOR LOAN_10

LOANS AND ALLOWANCE FOR LOAN LOSSES, TDRs Pre-modification and Post-modification (Details) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2021USD ($)Loan	Sep. 30, 2020Loan	Sep. 30, 2021USD ($)Loan	Sep. 30, 2020Loan	Dec. 31, 2020USD ($)
Troubled Debt Restructuring Loan Modifications [Abstract]
Number of loan modifications | Loan	0	0	0	0
Aggregate loan balances	$ 839,069		$ 839,069		$ 841,504
CARES Act [Member]
Troubled Debt Restructuring Loan Modifications [Abstract]
Total number of loans modified related to COVID 19 | Loan			674
Total Loans Modified, Non-trouble Debt Restructuring	130,365		$ 130,365
Number of remaining loans modified related to COVID 19 | Loan			18
Aggregate loan balances	156		$ 156
Aggregate loan amount that are reviewed risk categories	$ 1,000		$ 1,000

LOANS AND ALLOWANCE FOR LOAN_11

LOANS AND ALLOWANCE FOR LOAN LOSSES, Risk Category of Commercial Loans by Class of Loans (Details) - USD ($) $ in Thousands	Sep. 30, 2021	Dec. 31, 2020
Loans Receivable [Abstract]
Loans receivable	$ 845,733	$ 848,664
Commercial Real Estate [Member]
Loans Receivable [Abstract]
Loans receivable	282,572	253,449
Commercial Real Estate [Member] | Owner-occupied [Member]
Loans Receivable [Abstract]
Loans receivable	74,340	51,863
Commercial Real Estate [Member] | Nonowner-occupied [Member]
Loans Receivable [Abstract]
Loans receivable	174,627	164,523
Commercial Real Estate [Member] | Construction [Member]
Loans Receivable [Abstract]
Loans receivable	33,605	37,063
Commercial and Industrial [Member]
Loans Receivable [Abstract]
Loans receivable	144,154	157,692
Commercial [Member]
Loans Receivable [Abstract]
Loans receivable	426,726	411,141
Pass [Member] | Commercial Real Estate [Member] | Owner-occupied [Member]
Loans Receivable [Abstract]
Loans receivable	70,971	46,604
Pass [Member] | Commercial Real Estate [Member] | Nonowner-occupied [Member]
Loans Receivable [Abstract]
Loans receivable	172,341	160,324
Pass [Member] | Commercial Real Estate [Member] | Construction [Member]
Loans Receivable [Abstract]
Loans receivable	33,605	37,063
Pass [Member] | Commercial and Industrial [Member]
Loans Receivable [Abstract]
Loans receivable	138,498	150,786
Pass [Member] | Commercial [Member]
Loans Receivable [Abstract]
Loans receivable	415,415	394,777
Criticized [Member] | Commercial Real Estate [Member] | Owner-occupied [Member]
Loans Receivable [Abstract]
Loans receivable	631	669
Criticized [Member] | Commercial Real Estate [Member] | Nonowner-occupied [Member]
Loans Receivable [Abstract]
Loans receivable	2,003	3,629
Criticized [Member] | Commercial Real Estate [Member] | Construction [Member]
Loans Receivable [Abstract]
Loans receivable	0	0
Criticized [Member] | Commercial and Industrial [Member]
Loans Receivable [Abstract]
Loans receivable	1,905	2,064
Criticized [Member] | Commercial [Member]
Loans Receivable [Abstract]
Loans receivable	4,539	6,362
Classified [Member] | Commercial Real Estate [Member] | Owner-occupied [Member]
Loans Receivable [Abstract]
Loans receivable	2,738	4,590
Classified [Member] | Commercial Real Estate [Member] | Nonowner-occupied [Member]
Loans Receivable [Abstract]
Loans receivable	283	570
Classified [Member] | Commercial Real Estate [Member] | Construction [Member]
Loans Receivable [Abstract]
Loans receivable	0	0
Classified [Member] | Commercial and Industrial [Member]
Loans Receivable [Abstract]
Loans receivable	3,751	4,842
Classified [Member] | Commercial [Member]
Loans Receivable [Abstract]
Loans receivable	$ 6,772	$ 10,002

LOANS AND ALLOWANCE FOR LOAN_12

LOANS AND ALLOWANCE FOR LOAN LOSSES, Recorded Investment of Residential and Consumer Loans (Details) - USD ($) $ in Thousands	Sep. 30, 2021	Dec. 31, 2020
Loans Receivable [Abstract]
Loans receivable	$ 845,733	$ 848,664
Percentage of unsecured loans	4.10%	4.22%
Consumer [Member]
Loans Receivable [Abstract]
Loans receivable	$ 138,903	$ 132,045
Consumer [Member] | Automobile [Member]
Loans Receivable [Abstract]
Loans receivable	53,022	55,241
Consumer [Member] | Home Equity [Member]
Loans Receivable [Abstract]
Loans receivable	21,521	19,993
Consumer [Member] | Other [Member]
Loans Receivable [Abstract]
Loans receivable	64,360	56,811
Residential Real Estate [Member]
Loans Receivable [Abstract]
Loans receivable	280,104	305,478
Consumer and Residential [Member]
Loans Receivable [Abstract]
Loans receivable	419,007	437,523
Performing [Member] | Consumer [Member] | Automobile [Member]
Loans Receivable [Abstract]
Loans receivable	52,753	54,966
Performing [Member] | Consumer [Member] | Home Equity [Member]
Loans Receivable [Abstract]
Loans receivable	21,389	19,783
Performing [Member] | Consumer [Member] | Other [Member]
Loans Receivable [Abstract]
Loans receivable	64,234	56,639
Performing [Member] | Residential Real Estate [Member]
Loans Receivable [Abstract]
Loans receivable	276,021	300,095
Performing [Member] | Consumer and Residential [Member]
Loans Receivable [Abstract]
Loans receivable	414,397	431,483
Nonperforming [Member] | Consumer [Member] | Automobile [Member]
Loans Receivable [Abstract]
Loans receivable	269	275
Nonperforming [Member] | Consumer [Member] | Home Equity [Member]
Loans Receivable [Abstract]
Loans receivable	132	210
Nonperforming [Member] | Consumer [Member] | Other [Member]
Loans Receivable [Abstract]
Loans receivable	126	172
Nonperforming [Member] | Residential Real Estate [Member]
Loans Receivable [Abstract]
Loans receivable	4,083	5,383
Nonperforming [Member] | Consumer and Residential [Member]
Loans Receivable [Abstract]
Loans receivable	$ 4,610	$ 6,040

FINANCIAL INSTRUMENTS WITH OF_2

FINANCIAL INSTRUMENTS WITH OFF-BALANCE SHEET RISK (Details) - USD ($) $ in Thousands	9 Months Ended	12 Months Ended
	Sep. 30, 2021	Dec. 31, 2020
FINANCIAL INSTRUMENTS WITH OFF-BALANCE SHEET RISK [Abstract]
Contract amounts	$ 89,645	$ 88,456

OTHER BORROWED FUNDS (Details)

OTHER BORROWED FUNDS (Details) $ in Thousands	9 Months Ended	12 Months Ended
	Sep. 30, 2021USD ($)Promissorynote	Dec. 31, 2020USD ($)Promissorynote
Other Borrowed Funds [Abstract]
Other borrowed funds	$ 23,285	$ 27,863
FHLB Advances - variable rate loans	0
Cash management advances, maximum borrowing amount	$ 100,000
Cash management advances, maturity period	90 days
Cash management advances, available borrowing amount	$ 100,000
Number of promissory notes payable to related parties | Promissorynote	4	6
Scheduled Repayments of FHLB Advances [Abstract]
2021	$ 2,373
2022	2,997
2023	2,352
2024	2,062
2025	1,824
Thereafter	11,677
Other borrowings	$ 23,285	$ 27,863
Minimum [Member]
Other Borrowed Funds [Abstract]
Fixed-rate FHLB advances interest rate	1.53%
Maximum [Member]
Other Borrowed Funds [Abstract]
Fixed-rate FHLB advances interest rate	3.31%
Weighted Average [Member]
Other Borrowed Funds [Abstract]
Fixed-rate FHLB advances interest rate	2.40%	2.40%
Mortgage Loans [Member]
Other Borrowed Funds [Abstract]
Collateral pledged for FHLB Advances	$ 272,922
Commercial Loans [Member]
Other Borrowed Funds [Abstract]
Collateral pledged for FHLB Advances	73,204
FHLB Stock [Member]
Other Borrowed Funds [Abstract]
Collateral pledged for FHLB Advances	5,125
Cash management advances, maximum borrowing amount	195,703
Cash management advances, available borrowing amount	109,438
FHLB Borrowings [Member]
Other Borrowed Funds [Abstract]
Other borrowed funds	21,147	$ 24,665
Scheduled Repayments of FHLB Advances [Abstract]
2021	735
2022	2,497
2023	2,352
2024	2,062
2025	1,824
Thereafter	11,677
Other borrowings	21,147	24,665
Promissory Notes [Member]
Other Borrowed Funds [Abstract]
Other borrowed funds	$ 2,138	3,198
Maturity date of promissory notes issued	Apr. 13, 2022
Notes payable to related parties	$ 2,138	3,198
Notes payable to other banks	0	0
Scheduled Repayments of FHLB Advances [Abstract]
2021	1,638
2022	500
2023	0
2024	0
2025	0
Thereafter	0
Other borrowings	$ 2,138	$ 3,198
Promissory Notes [Member] | Minimum [Member]
Other Borrowed Funds [Abstract]
Interest rate	1.00%
Promissory Notes [Member] | Weighted Average [Member]
Other Borrowed Funds [Abstract]
Interest rate	1.24%	2.20%
FHLB Line of Credit [Member]
Other Borrowed Funds [Abstract]
Letter of credit issued	$ 65,118	$ 76,740

SEGMENT INFORMATION (Details)

SEGMENT INFORMATION (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2021	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020	Dec. 31, 2020
Segment Information [Abstract]
Net interest income	$ 10,359	$ 10,082	$ 30,622	$ 29,881
Provision expense	(93)	(2)	(118)	3,451
Noninterest income	2,612	2,434	8,457	9,125
Noninterest expense	9,469	9,891	27,953	29,012
Tax expense	559	333	1,816	984
Net income	3,036	2,294	9,428	5,559
Assets	1,245,378	1,137,938	1,245,378	1,137,938	$ 1,186,932
Banking [Member]
Segment Information [Abstract]
Net interest income	9,843	9,562	29,124	28,350
Provision expense	(100)	0	(150)	3,445
Noninterest income	2,582	2,385	7,474	8,073
Noninterest expense	8,861	9,295	26,095	27,110
Tax expense	574	339	1,693	843
Net income	3,090	2,313	8,960	5,025
Assets	$ 1,232,353	$ 1,126,202	1,232,353	1,126,202
Banking [Member] | Revenues [Member] | Customer Concentration Risk [Member]
Segment Information [Abstract]
Concentration percentage	94.00%	94.00%
Consumer Finance [Member]
Segment Information [Abstract]
Net interest income	$ 516	$ 520	1,498	1,531
Provision expense	7	(2)	32	6
Noninterest income	30	49	983	1,052
Noninterest expense	608	596	1,858	1,902
Tax expense	(15)	(6)	123	141
Net income	(54)	(19)	468	534
Assets	$ 13,025	$ 11,736	$ 13,025	$ 11,736

LEASES, Balance Sheet Informati

LEASES, Balance Sheet Information (Details) - USD ($) $ in Thousands	Sep. 30, 2021	Dec. 31, 2020
Balance Sheet Information Related to Leases [Abstract]
Operating lease right-of-use assets	$ 1,235	$ 880
Operating lease liabilities	$ 1,235	$ 880
Minimum [Member]
Lessee, Operating Lease, Description [Abstract]
Operating lease term	19 months
Maximum [Member]
Lessee, Operating Lease, Description [Abstract]
Operating lease term	20 years
Operating lease renewal term	15 years

LEASES, Components of Lease Cos

LEASES, Components of Lease Cost (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2021	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020
Lease, Cost [Abstract]
Operating lease cost	$ 41	$ 32	$ 119	$ 127
Short-term lease expense	$ 8	$ 7	$ 24	$ 23

LEASES, Maturities of Lease Lia

LEASES, Maturities of Lease Liabilities (Details) - USD ($) $ in Thousands	Sep. 30, 2021	Dec. 31, 2020
LEASES [Abstract]
2021 (remaining)	$ 42
2022	168
2023	127
2024	106
2025	106
Thereafter	973
Total lease payments	1,522
Less: Imputed Interest	(287)
Total operating leases	$ 1,235	$ 880

LEASES, Other Information (Deta

LEASES, Other Information (Details)	Sep. 30, 2021	Dec. 31, 2020
Other Information [Abstract]
Weighted-average remaining lease term for operating leases	13 years 10 months 24 days	9 years 7 months 6 days
Weighted-average discount rate for operating leases	2.29%	2.79%