Ohio Valley Banc (OVBC) 10-Q 14 Nov 22 2022 Q3 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	9 Months Ended
	Sep. 30, 2022	Nov. 14, 2022
Cover [Abstract]
Document Type	10-Q
Amendment Flag	false
Document Quarterly Report	true
Document Period End Date	Sep. 30, 2022
Current Fiscal Year End Date	--12-31
Document Fiscal Year Focus	2022
Document Fiscal Period Focus	Q3
Document Transition Report	false
Entity File Number	000-20914
Entity Registrant Name	OHIO VALLEY BANC CORP
Entity Central Index Key	0000894671
Entity Incorporation, State or Country Code	OH
Entity Tax Identification Number	31-1359191
Entity Address, Address Line One	420 Third Avenue
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
Title of 12(b) Security	Common shares, without par value
Trading Symbol	OVBC
Security Exchange Name	NASDAQ
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Non-accelerated Filer
Entity Small Business	true
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity Common Stock, Shares Outstanding		4,771,774

CONSOLIDATED BALANCE SHEETS (UN

CONSOLIDATED BALANCE SHEETS (UNAUDITED) - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
ASSETS
Cash and noninterest-bearing deposits with banks	$ 13,587	$ 14,111
Interest-bearing deposits with banks	99,524	137,923
Total cash and cash equivalents	113,111	152,034
Certificates of deposit in financial institutions	1,868	2,329
Securities available for sale	184,844	177,000
Securities held to maturity (estimated fair value: 2022 - $8,655; 2021 - $10,450)	9,642	10,294
Restricted investments in bank stocks	5,953	7,265
Total loans	855,913	831,191
Less: Allowance for loan losses	(4,811)	(6,483)
Net loans	851,102	824,708
Premises and equipment, net	20,490	20,730
Premises and equipment held for sale, net	598	438
Other real estate owned, net	15	15
Accrued interest receivable	3,053	2,695
Goodwill	7,319	7,319
Other intangible assets, net	35	64
Bank owned life insurance and annuity assets	39,417	37,281
Operating lease right-of-use asset, net	1,170	1,195
Deferred tax assets	7,056	2,217
Other assets	6,801	4,185
Total assets	1,252,474	1,249,769
LIABILITIES
Noninterest-bearing deposits	353,352	353,578
Interest-bearing deposits	720,973	706,330
Total deposits	1,074,325	1,059,908
Other borrowed funds	18,085	19,614
Subordinated debentures	8,500	8,500
Operating lease liability	1,170	1,195
Other liabilities	21,774	19,196
Total liabilities	1,123,854	1,108,413
COMMITMENTS AND CONTINGENT LIABILITIES (See Note 5)
SHAREHOLDERS' EQUITY
Common stock ($1.00 stated value per share, 10,000,000 shares authorized; 2022 - 5,465,707 shares issued; 2021 - 5,447,185 shares issued)	5,465	5,447
Additional paid-in capital	51,722	51,165
Retained earnings	106,799	100,702
Accumulated other comprehensive income (loss)	(18,700)	708
Treasury stock, at cost (693,933 shares)	(16,666)	(16,666)
Total shareholders' equity	128,620	141,356
Total liabilities and shareholders' equity	$ 1,252,474	$ 1,249,769

CONSOLIDATED BALANCE SHEETS (_2

CONSOLIDATED BALANCE SHEETS (UNAUDITED) (Parenthetical) - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
ASSETS
Securities held to maturity, fair value	$ 8,655	$ 10,450
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)	5,465,707	5,447,185
Treasury stock, shares (in shares)	693,933	693,933

CONSOLIDATED STATEMENTS OF INCO

CONSOLIDATED STATEMENTS OF INCOME (UNAUDITED) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Interest and dividend income:
Loans, including fees	$ 10,984	$ 10,522	$ 30,802	$ 31,649
Securities
Taxable	889	527	2,435	1,411
Tax exempt	45	61	137	180
Dividends	95	58	222	174
Interest-bearing deposits with banks	516	50	802	111
Other Interest	3	8	12	26
Total interest and dividend income	12,532	11,226	34,410	33,551
Interest expense:
Deposits	504	692	1,530	2,374
Other borrowed funds	101	136	310	436
Subordinated debentures	82	39	182	119
Total interest expense	687	867	2,022	2,929
Net interest income	11,845	10,359	32,388	30,622
Provision for (recovery of) loan losses	(378)	(93)	(691)	(118)
Net interest income after provision for loan losses	12,223	10,452	33,079	30,740
Noninterest income:
Service charges on deposit accounts	662	514	1,815	1,309
Trust fees	80	70	247	212
Income from bank owned life insurance and annuity assets	205	253	674	701
Mortgage banking income	185	179	640	544
Electronic refund check / deposit fees	0	0	675	675
Debit / credit card interchange income	1,291	1,237	3,603	3,460
Gain on other real estate owned	0	0	7	1
Tax preparation fees	3	3	741	752
Other	189	356	569	803
Total noninterest income	2,615	2,612	8,971	8,457
Noninterest expense:
Salaries and employee benefits	5,867	5,476	17,120	16,025
Occupancy	517	483	1,419	1,415
Furniture and equipment	296	287	841	852
Professional fees	418	425	1,405	1,282
Marketing expense	260	128	718	664
FDIC insurance	80	84	250	242
Data processing	776	667	2,136	1,902
Software	561	464	1,620	1,347
Foreclosed assets	11	10	48	32
Amortization of intangibles	8	11	28	38
Other	1,553	1,434	4,573	4,154
Total noninterest expense	10,347	9,469	30,158	27,953
Income before income taxes	4,491	3,595	11,892	11,244
Provision for income taxes	801	559	2,078	1,816
NET INCOME	$ 3,690	$ 3,036	$ 9,814	$ 9,428
Earnings per share (in dollars per share)	$ 0.77	$ 0.63	$ 2.06	$ 1.97

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (UNAUDITED) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (UNAUDITED) [Abstract]
Net Income	$ 3,690	$ 3,036	$ 9,814	$ 9,428
Other comprehensive income (loss):
Change in unrealized gain (loss) on available for sale securities	(8,403)	(85)	(24,567)	(1,706)
Related tax (expense) benefit	1,764	18	5,159	358
Total other comprehensive income (loss), net of tax	(6,639)	(67)	(19,408)	(1,348)
Total comprehensive income (loss)	$ (2,949)	$ 2,969	$ (9,594)	$ 8,080

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
Balance, Beginning of period 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 loss, net	0	0	0	(1,348)	0	(1,348)
Cash dividends	0	0	(3,016)	0	0	(3,016)
Shares acquired for treasury	0	0	0	0	(458)	(458)
Balance, End of Period at Sep. 30, 2021	5,447	51,165	99,400	1,088	(16,170)	140,930
Balance, Beginning of period 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 loss, net	0	0	0	(67)	0	(67)
Cash dividends	0	0	(1,005)	0	0	(1,005)
Shares acquired for treasury	0	0	0	0	(458)	(458)
Balance, End of Period at Sep. 30, 2021	5,447	51,165	99,400	1,088	(16,170)	140,930
Balance, Beginning of period at Dec. 31, 2021	5,447	51,165	100,702	708	(16,666)	141,356
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net Income	0	0	9,814	0	0	9,814
Other comprehensive loss, net	0	0	0	(19,408)	0	(19,408)
Cash dividends	0	0	(3,717)	0	0	(3,717)
Common stock issued to ESOP	18	557	0	0	0	575
Balance, End of Period at Sep. 30, 2022	5,465	51,722	106,799	(18,700)	(16,666)	128,620
Balance, Beginning of period at Jun. 30, 2022	5,465	51,722	104,110	(12,061)	(16,666)	132,570
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net Income	0	0	3,690	0	0	3,690
Other comprehensive loss, net	0	0	0	(6,639)	0	(6,639)
Cash dividends	0	0	(1,001)	0	0	(1,001)
Balance, End of Period at Sep. 30, 2022	$ 5,465	$ 51,722	$ 106,799	$ (18,700)	$ (16,666)	$ 128,620

CONSOLIDATED STATEMENTS OF CH_2

CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY (UNAUDITED) (Parenthetical) - $ / shares	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY (UNAUDITED) [Abstract]
Cash dividends, per share (in dollars per share)	$ 0.21	$ 0.21	$ 0.78	$ 0.63
Common stock issued to ESOP, shares (in shares)			18,522
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, 2022	Sep. 30, 2021
CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS (UNAUDITED) [Abstract]
Net cash provided by operating activities:	$ 10,229	$ 8,080
Investing activities:
Proceeds from maturities of securities available for sale	22,652	32,814
Purchases of securities available for sale	(54,103)	(96,240)
Proceeds from maturities of securities held to maturity	634	1,586
Purchase of securities held to maturity	(1,071)	(1,341)
Proceeds from maturities of certificates of deposit in financial institutions	445	735
Purchases of certificates of deposit in financial institutions	0	(735)
Redemptions of federal home loan bank stock	1,312	241
Net change in loans	(25,695)	2,548
Proceeds from sale of other real estate owned	7	49
Purchases of premises and equipment	(1,662)	(797)
Disposals of premises and equipment	420	486
Proceeds from building grant	200	0
Purchases of bank owned life insurance and annuity assets	(1,462)	(550)
Net cash (used in) investing activities	(58,323)	(61,204)
Financing activities:
Change in deposits	14,417	57,937
Cash dividends	(3,717)	(3,016)
Purchases of treasury stock	0	(458)
Proceeds from Federal Home Loan Bank borrowings	0	600
Repayment of Federal Home Loan Bank borrowings	(1,529)	(4,118)
Change in other short-term borrowings	0	(1,060)
Net cash provided by financing activities	9,171	49,885
Change in cash and cash equivalents	(38,923)	(3,239)
Cash and cash equivalents at beginning of period	152,034	138,303
Cash and cash equivalents at end of period	113,111	135,064
Supplemental disclosure:
Cash paid for interest	2,137	3,525
Cash paid for income taxes	1,350	2,400
Proceeds from bank owned life insurance and annuity assets not settled	0	173
Operating lease liability arising from obtaining right-of-use asset	$ 108	$ 570

SUMMARY OF SIGNIFICANT ACCOUNTI

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	9 Months Ended
	Sep. 30, 2022
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, 2022, 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, 2022, are not necessarily indicative of the operating results to be anticipated for the full fiscal year ending December 31, 2022. 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, 2021, contains consolidated financial statements and related notes which should be read in conjunction with the accompanying consolidated financial statements. The consolidated financial statements for 2021 have been reclassified to conform to the presentation for 2022. These reclassifications had no effect on net income or shareholders’ equity. 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 the 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, 2022, there were $493 in loans held for sale by the Bank, as compared to $1,682 in loans held for sale at December 31, 2021. 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 ("TDRs") and are 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. TDRs are measured at the present value of estimated future cash flows using the loan’s effective rate at inception. If a TDR is considered to be a collateral dependent loan, the loan is reported, net, at the fair value of the collateral. For TDRs 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 three years for the consumer and real estate portfolio segment and five 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 that 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 six 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, 2022, 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: In March 2022, the FASB issued ASU 2022-02, Financial Instruments-Credit Losses (Topic 326). This standard: (i) eliminates the accounting guidance for TDRs, requiring entities to determine whether a modification results in a new loan or a continuation of an existing loan; (ii) expands disclosures related to modifications; and (iii) requires disclosure of current period gross write-offs of financing receivables within the vintage disclosures table. The amendments in this update are effective for fiscal years beginning after December 15, 2022, including interim periods within those fiscal years, and are applied prospectively, except with respect to the recognition and measurement of TDRs, where an entity has the option to apply a modified retrospective transition method. Early adoption of the amendments in this update is permitted if ASU 2016-13 has been previously adopted. An entity may elect to early adopt the amendments regarding TDRs and related disclosure enhancements separately from the amendments related to vintage disclosures. The Company is assessing the impact that the adoption of ASU 2022-02 will have on its consolidated financial statements.

FAIR VALUE OF FINANCIAL INSTRUM

FAIR VALUE OF FINANCIAL INSTRUMENTS	9 Months Ended
	Sep. 30, 2022
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, 2022 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 $ 42,790 $ — — U.S. Government sponsored entity securities — 18,717 — Agency mortgage-backed securities, residential — 123,337 — Interest rate swap derivatives — 1,404 — Liabilities: Interest rate swap derivatives — (1,404 ) — Fair Value Measurements at December 31, 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 $ 20,143 $ — — U.S. Government sponsored entity securities — 25,916 — Agency mortgage-backed securities, residential — 130,941 — Interest rate swap derivatives — 599 — Liabilities Interest rate swap derivatives — (599 ) — 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, 2022. Assets and liabilities measured at fair value on a nonrecurring basis at December 31, 2021 are summarized below: Fair Value Measurements at December 31, 2021 Using December 31, 2021 Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Assets: Impaired loans: Commercial and industrial — — $ 1,983 At December 31, 2021, the recorded investment of impaired loans measured for impairment using the fair value of collateral for collateral-dependent loans totaled $1,993, with a corresponding valuation allowance of $10, resulting in an increase of $10 in provision expense during the year ended December 31, 2021, with no corresponding charge-offs recognized. There was no other real estate owned that was measured at fair value less costs to sell at September 30, 2022 and December 31, 2021. There were no corresponding write-downs during the three and nine months ended September 30, 2022 and 2021. There was no quantitative information about Level 3 fair value measurements for financial instruments measured at fair value on a non-recurring basis at September 30, 2022. The following table presents quantitative information about Level 3 fair value measurements for financial instruments measured at fair value on a non-recurring basis at December 31, 2021: December 31, 2021 Fair Value Valuation Technique(s) Unobservable Input(s) Range Weighted Average Impaired loans: 1 1 Commercial and industrial $ 1,983 Sales approach Adjustment to comparables and equipment comparables 0% to 25% 18.5%% The carrying amounts and estimated fair values of financial instruments at September 30, 2022 and December 31, 2021 are as follows: Carrying Fair Value Measurements at September 30, 2022 Using Value Level 1 Level 2 Level 3 Total Financial Assets: Cash and cash equivalents $ 113,111 $ 113,111 $ — $ — $ 113,111 Certificates of deposit in financial institutions 1,868 — 1,868 — 1,868 Securities available for sale 184,844 42,790 142,054 — 184,844 Securities held to maturity 9,642 — 5,210 3,445 8,655 Loans, net 851,102 — — 825,644 825,644 Interest rate swap derivatives 1,404 — 1,404 — 1,404 Accrued interest receivable 3,053 — 552 2,501 3,053 Financial liabilities: Deposits 1,074,325 920,418 153,807 — 1,074,225 Other borrowed funds 18,085 — 16,646 — 16,646 Subordinated debentures 8,500 — 8,474 — 8,474 Interest rate swap derivatives 1,404 — 1,404 — 1,404 Accrued interest payable 325 — 325 — 325 Carrying Fair Value Measurements at December 31, 2021 Using Value Level 1 Level 2 Level 3 Total Financial Assets: Cash and cash equivalents $ 152,034 $ 152,034 $ — $ — $ 152,034 Certificates of deposit in financial institutions 2,329 — 2,329 — 2,329 Securities available for sale 177,000 20,143 156,857 — 177,000 Securities held to maturity 10,294 — 6,063 4,387 10,450 Loans, net 824,708 — — 821,899 821,899 Interest rate swap derivatives 599 — 599 — 599 Accrued interest receivable 2,695 — 363 2,332 2,695 Financial liabilities: Deposits 1,059,908 870,626 189,796 — 1,060,422 Other borrowed funds 19,614 — 20,279 — 20,279 Subordinated debentures 8,500 — 5,657 — 5,657 Interest rate swap derivatives 599 — 599 — 599 Accrued interest payable 439 1 438 — 439 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, 2022
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, 2022 and December 31, 2021, 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 , 2022 U.S. Government securities $ 45,988 $ — $ (3,198 ) $ 42,790 U.S. Government sponsored entity securities 21,344 — (2,627 ) 18,717 Agency mortgage-backed securities, residential 141,183 — (17,846 ) 123,337 Total securities $ 208,515 $ — $ (23,671 ) $ 184,844 December 31, 2021 U.S. Government securities $ 20,182 $ — $ (39 ) $ 20,143 U.S. Government sponsored entity securities 25,980 109 (173 ) 25,916 Agency mortgage-backed securities, residential 129,942 1,476 (477 ) 130,941 Total securities $ 176,104 $ 1,585 $ (689 ) $ 177,000 Securities Held to Maturity Amortized Cost Gross Unrecognized Gains Gross Unrecognized Losses Estimated Fair Value September 30 , 2022 Obligations of states and political subdivisions $ 9,641 $ 30 $ (1,017 ) $ 8,654 Agency mortgage-backed securities, residential 1 — — 1 Total securities $ 9,642 $ 30 $ (1,017 ) $ 8,655 December 31, 2021 Obligations of states and political subdivisions $ 10,292 $ 200 $ (44 ) $ 10,448 Agency mortgage-backed securities, residential 2 — — 2 Total securities $ 10,294 $ 200 $ (44 ) $ 10,450 The amortized cost and estimated fair value of debt securities at September 30, 2022, 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 $ 1,998 $ 1,987 $ 359 $ 360 Due in over one to five years 60,334 55,264 3,522 3,376 Due in over five to ten years 5,000 4,256 3,022 2,718 Due after ten years — — 2,738 2,200 Agency mortgage-backed securities, residential 141,183 123,337 1 1 Total debt securities $ 208,515 $ 184,844 $ 9,642 $ 8,655 The following table summarizes securities with unrealized losses at September 30, 2022 and December 31, 2021, aggregated by major security type and length of time in a continuous unrealized loss position: September 30 2022 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 $ 42,790 $ (3,198 ) $ — $ — $ 42,790 $ (3,198 ) U.S. Government sponsored entity securities 8,017 (827 ) 10,700 (1,800 ) 18,717 (2,627 ) Agency mortgage-backed securities, residential 87,082 (11,001 ) 36,255 (6,845 ) 123,337 (17,846 ) Total available for sale $ 137,889 $ (15,026 ) $ 46,955 $ (8,645 ) $ 184,844 $ (23,671 ) December 31, 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 $ 20,143 $ (39 ) $ — $ — $ 20,143 $ (39 ) U.S Government sponsored entity securities 18,307 (173 ) — — 18,307 (173 ) Agency mortgage-backed securities, residential 64,560 (477 ) — — 64,560 (477 ) Total available for sale $ 103,010 $ (689 ) $ — $ — $ 103,010 $ (689 ) September 30, 2022 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 $ 5,206 $ (652 ) $ 1,660 $ (365 ) $ 6,866 $ (1,017 ) Total held to maturity $ 5,206 $ (652 ) $ 1,660 $ (365 ) $ 6,866 $ (1,017 ) December 31, 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 $ 2,617 $ (38 ) $ 130 $ (6 ) $ 2,747 $ (44 ) Total held to maturity $ 2,617 $ (38 ) $ 130 $ (6 ) $ 2,747 $ (44 ) There were no sales of investment securities during the three and nine months ended September 30, 2022 or 2021. 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, 2022, 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, 2022 and December 31, 2021 represents an other-than-temporary impairment.

LOANS AND ALLOWANCE FOR LOAN LO

LOANS AND ALLOWANCE FOR LOAN LOSSES	9 Months Ended
	Sep. 30, 2022
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, 2022 December 31, 2021 Residential real estate $ 272,271 $ 274,425 Commercial real estate: Owner-occupied 70,623 71,979 Nonowner-occupied 173,116 176,100 Construction 41,264 33,718 Commercial and industrial 153,417 141,525 Consumer: Automobile 54,409 48,206 Home equity 26,755 22,375 Other 64,058 62,863 855,913 831,191 Less: Allowance for loan losses (4,811 ) (6,483 ) Loans, net $ 851,102 $ 824,708 On March 27, 2020, the Coronavirus Aid, Relief, and Economic Security Act ("CARES Act") was signed into law in response to coronavirus ("COVID-19"). The CARES Act provided assistance to small businesses through the establishment of the Paycheck Protection Program ("PPP"). The PPP provided small businesses with funds to use for payroll and certain other expenses. At September 30, 2022, there were no commercial and industrial loans originated under the PPP, as compared to $446 at December 31, 2021. These loans are guaranteed by the Small Business Administration. The following table presents the activity in the allowance for loan losses by portfolio segment for the three months ended September 30, 2022 and 2021: September 30 , 2022 Residential Real Estate Commercial Real Estate Commercial and Industrial Consumer Total Allowance for loan losses: Beginning balance $ 614 $ 1,846 $ 1,548 $ 1,206 $ 5,214 Provision for loan losses (189 ) 42 (308 ) 77 (378 ) Loans charged off (57 ) (20 ) — (262 ) (339 ) Recoveries 55 29 36 194 314 Total ending allowance balance $ 423 $ 1,897 $ 1,276 $ 1,215 $ 4,811 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 The following table presents the activity in the allowance for loan losses by portfolio segment for the nine months ended September 30, 2022 and 2021: September 30, 2022 Residential Real Estate Commercial Real Estate Commercial and Industrial Consumer Total Allowance for loan losses: Beginning balance $ 980 $ 2,548 $ 1,571 $ 1,384 $ 6,483 Provision for loan losses (545 ) (683 ) 271 266 (691 ) Loans charged-off (99 ) (36 ) (618 ) (964 ) (1,717 ) Recoveries 87 68 52 529 736 Total ending allowance balance $ 423 $ 1,897 $ 1,276 $ 1,215 $ 4,811 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 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, 2022 and December 31, 2021: September 30 , 2022 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 423 1,897 1,276 1,215 4,811 Total ending allowance balance $ 423 $ 1,897 $ 1,276 $ 1,215 $ 4,811 Loans: Loans individually evaluated for impairment $ — $ 2,020 $ — $ 28 $ 2,048 Loans collectively evaluated for impairment 272,271 282,983 153,417 145,194 853,865 Total ending loans balance $ 272,271 $ 285,003 $ 153,417 $ 145,222 $ 855,913 December 31, 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 $ — $ — $ 10 $ — $ 10 Collectively evaluated for impairment 980 2,548 1,561 1,384 6,473 Total ending allowance balance $ 980 $ 2,548 $ 1,571 $ 1,384 $ 6,483 Loans: Loans individually evaluated for impairment $ — $ 5,411 $ 4,531 $ 81 $ 10,023 Loans collectively evaluated for impairment 274,425 276,386 136,994 133,363 821,168 Total ending loans balance $ 274,425 $ 281,797 $ 141,525 $ 133,444 $ 831,191 The following tables present information related to loans individually evaluated for impairment by class of loans as of September 30, 2022 and December 31, 2021: September 30 , 2022 Unpaid Principal Balance Recorded Investment Allowance for Loan Losses Allocated With an allowance recorded: $ — $ — $ — With no related allowance recorded: Commercial real estate: Owner-occupied 1,703 1,640 — Nonowner-occupied 380 380 — Consumer: Home equity 28 28 — Total $ 2,111 $ 2,048 $ — December 31, 2021 Unpaid Principal Balance Recorded Investment Allowance for Loan Losses Allocated With an allowance recorded: Commercial and industrial $ 1,993 $ 1,993 $ 10 With no related allowance recorded: Commercial real estate: Owner-occupied 5,052 5,027 — Nonowner-occupied 384 384 — Commercial and industrial 2,538 2,538 — Consumer: Home equity 31 31 — Other 50 50 — Total $ 10,048 $ 10,023 $ 10 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, 2022 and 2021: Three months ended September 30, 2022 Nine months ended September 30, 2022 Average Impaired Loans Interest Income Recognized Cash Basis Interest Recognized Average Impaired Loans Interest Income Recognized Cash Basis Interest Recognized With an allowance recorded: $ — $ — $ — $ — $ — $ — With no related allowance recorded: Commercial real estate: Owner-occupied 1,650 18 18 1,676 66 66 Nonowner-occupied 381 8 8 382 22 22 Consumer: Home equity 14 1 1 22 1 1 Total $ 2,045 $ 27 $ 27 $ 2,080 $ 89 $ 89 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 The recorded investment of a loan excludes accrued interest and net deferred origination fees and costs 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). Other real estate owned for residential real estate properties totaled $15 as of September 30, 2022 and December 31, 2021. In addition, nonaccrual residential mortgage loans that are in the process of foreclosure had a recorded investment of $459 and $316 as of September 30, 2022 and December 31, 2021, 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, 2022 and December 31, 2021: September 30 , 2022 Loans Past Due 90 Days And Still Accruing Nonaccrual Residential real estate $ 203 $ 1,531 Commercial real estate: Owner-occupied — 981 Nonowner-occupied — 72 Construction — 15 Commercial and industrial 148 149 Consumer: Automobile 65 105 Home equity — 127 Other 470 75 Total $ 886 $ 3,055 December 31, 2021 Loans Past Due 90 Days And Still Accruing Nonaccrual Residential real estate $ 10 $ 2,683 Commercial real estate: Owner-occupied — 1,055 Nonowner-occupied — — Construction — 146 Commercial and industrial 65 150 Consumer: Automobile 55 147 Home equity — 148 Other 160 17 Total $ 290 $ 4,346 The following table presents the aging of the recorded investment of past due loans by class of loans as of September 30, 2022 and December 31, 2021: September 30 , 2022 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 $ 1,514 $ 907 $ 624 $ 3,045 $ 269,226 $ 272,271 Commercial real estate: Owner-occupied 188 — 981 1,169 69,454 70,623 Nonowner-occupied 9 6 — 15 173,101 173,116 Construction 34 — — 34 41,230 41,264 Commercial and industrial 96 — 297 393 153,024 153,417 Consumer: Automobile 760 156 157 1,073 53,336 54,409 Home equity 35 — 127 162 26,593 26,755 Other 384 368 514 1,266 62,792 64,058 Total $ 3,020 $ 1,437 $ 2,700 $ 7,157 $ 848,756 $ 855,913 December 31, 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 $ 2,208 $ 1,218 $ 921 $ 4,347 $ 270,078 $ 274,425 Commercial real estate: Owner-occupied 895 — 153 1,048 70,931 71,979 Nonowner-occupied 100 — — 100 176,000 176,100 Construction 36 53 33 122 33,596 33,718 Commercial and industrial 517 60 215 792 140,733 141,525 Consumer: Automobile 656 148 194 998 47,208 48,206 Home equity 35 165 47 247 22,128 22,375 Other 401 133 177 711 62,152 62,863 Total $ 4,848 $ 1,777 $ 1,740 $ 8,365 $ 822,826 $ 831,191 Troubled Debt Restructurings: A 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, 2022 and December 31, 2021: September 30 , 2022 TDRs Performing to Modified Terms TDRs Not Performing to Modified Terms Total TDRs Commercial real estate: Owner-occupied Reduction of principal and interest payments $ 419 $ — $ 419 Credit extension at lower stated rate than market rate 364 — 364 Nonowner-occupied Credit extension at lower stated rate than market rate 380 — 380 Total TDRs $ 1,163 $ — $ 1,163 December 31, 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 $ 1,455 $ — $ 1,455 Maturity extension at lower stated rate than market rate 268 — 268 Credit extension at lower stated rate than market rate 375 — 375 Nonowner-occupied Credit extension at lower stated rate than market rate 385 — 385 Commercial and industrial Interest only payments 2,301 — 2,301 Total TDRs $ 4,784 $ — $ 4,784 At September 30, 2022 and December 31, 2021, the Company had no specific allocations in reserves to customers whose loan terms have been modified in TDRs. At September 30, 2022, the Company had no commitments to lend additional amounts to customers with outstanding loans that are classified as TDRs, as compared to $3,199 at December 31, 2021. There were no TDR loan modifications that occurred during the three and nine months ended September 30, 2022 and 2021, and, therefore, no impact to provision expense or the allowance for loan losses. During the three and nine months ended September 30, 2022 and 2021, 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 CARES Act 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. Through September 30, 2022, the Company had modified 521 loans related to COVID-19 with an outstanding loan balance of $97,236 that were not reported as TDRs. As of September 30, 2022, the Company had 11 of those modified loans still operating under their COVID-19 related deferral terms with an outstanding loan balance of $120 that were not reported as TDRs in the tables presented above. 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, 2022 and December 31, 2021, and based on the most recent analysis performed, the risk category of commercial loans by class of loans was as follows: September 30 , 2022 Pass Criticized Classified Total Commercial real estate: Owner-occupied $ 67,110 $ 2,532 $ 981 $ 70,623 Nonowner-occupied 172,926 — 190 173,116 Construction 41,202 — 62 41,264 Commercial and industrial 151,371 276 1,770 153,417 Total $ 432,609 $ 2,808 $ 3,003 $ 438,420 December 31, 2021 Pass Criticized Classified Total Commercial real estate: Owner-occupied $ 66,999 $ 618 $ 4,362 $ 71,979 Nonowner-occupied 175,901 — 199 176,100 Construction 33,685 — 33 33,718 Commercial and industrial 134,983 1,862 4,680 141,525 Total $ 411,568 $ 2,480 $ 9,274 $ 423,322 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, 2022 and December 31, 2021: September 30 , 2022 Consumer Residential Automobile Home Equity Other Real Estate Total Performing $ 54,239 $ 26,628 $ 63,513 $ 270,537 $ 414,917 Nonperforming 170 127 545 1,734 2,576 Total $ 54,409 $ 26,755 $ 64,058 $ 272,271 $ 417,493 December 31, 2021 Consumer Residential Automobile Home Equity Other Real Estate Total Performing $ 48,004 $ 22,227 $ 62,686 $ 271,732 $ 404,649 Nonperforming 202 148 177 2,693 3,220 Total $ 48,206 $ 22,375 $ 62,863 $ 274,425 $ 407,869 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 4.76% of total loans were unsecured at September 30, 2022, up from 4.45% at December 31, 2021.

FINANCIAL INSTRUMENTS WITH OFF-

FINANCIAL INSTRUMENTS WITH OFF-BALANCE SHEET RISK	9 Months Ended
	Sep. 30, 2022
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, 2022, the contract amounts of these instruments totaled approximately $101,706, compared to $89,602 at December 31, 2021. 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, 2022
OTHER BORROWED FUNDS [Abstract]
OTHER BORROWED FUNDS	NOTE 6 - OTHER BORROWED FUNDS Other borrowed funds at September 30, 2022 and December 31, 2021 are comprised of advances from the Federal Home Loan Bank (“FHLB”) of Cincinnati and promissory notes. FHLB Borrowings Promissory Notes Totals September 30 2022 $ 15,947 $ 2,138 $ 18,085 December 31, 2021 $ 17,476 $ 2,138 $ 19,614 Pursuant to collateral agreements with the FHLB, advances are secured by $265,986 in qualifying mortgage loans, $30,420 in commercial loans and $3,813 in FHLB stock at September 30, 2022. Fixed-rate FHLB advances of $15,947 mature through 2042 and have interest rates ranging from 1.53% to 2.97% and a year-to-date weighted average cost of 2.35% at September 30, 2022 and 2.39% at December 31, 2021. There were no variable-rate FHLB borrowings at September 30, 2022. At September 30, 2022, the Company had a cash management line of credit enabling it to borrow up to $100,000 from the FHLB, subject to the stock ownership and collateral limitations described below. 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, 2022. 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 $183,760 at September 30, 2022. Of this maximum borrowing capacity, the Company had $96,813 available to use as additional borrowings, of which $96,813 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, 2023, and have fixed rates ranging from 1.25% to 1.30% and a year-to-date weighted average cost of 1.25% at September 30,2022, as compared to 1.23% at December 31, 2021. At September 30, 2022, there were six promissory notes payable by Ohio Valley to related parties totaling $2,138. There were no promissory notes payable to other banks at September 30, 2022 or December 31, 2021. Letters of credit issued on the Bank's behalf by the FHLB to collateralize certain public unit deposits as required by law totaled $71,000 at September 30, 2022 and $68,380 at December 31, 2021. Scheduled principal payments as of September 30, 2022: FHLB Borrowings Promissory Notes Totals 2022 $ 580 $ 530 $ 1,110 2023 1,784 1,608 3,392 2024 1,693 — 1,693 2025 1,560 — 1,560 2026 1,434 — 1,434 Thereafter 8,896 — 8,896 $ 15,947 $ 2,138 $ 18,085

SEGMENT INFORMATION

SEGMENT INFORMATION	9 Months Ended
	Sep. 30, 2022
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, 2022 and 2021, 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, 2022 Banking Consumer Finance Total Company Net interest income $ 11,299 $ 546 $ 11,845 Provision for loan losses (400 ) 22 (378 ) Noninterest income 2,573 42 2,615 Noninterest expense 9,743 604 10,347 Provision for income taxes 809 (8 ) 801 Net income 3,720 (30 ) 3,690 Assets 1,238,597 13,877 1,252,474 Three Months Ended September 30, 2021 Banking Consumer Finance Total Company Net interest income $ 9,843 $ 516 $ 10,359 Provision for loan losses (100 ) 7 (93 ) Noninterest income 2,582 30 2,612 Noninterest expense 8,861 608 9,469 Provision for income taxes 574 (15 ) 559 Net income 3,090 (54 ) 3,036 Assets 1,232,353 13,025 1,245,378 Nine Months Ended September 30, 2022 Banking Consumer Finance Total Company Net interest income $ 30,791 $ 1,597 $ 32,388 Provision for loan losses (700 ) 9 (691 ) Noninterest income 7,987 984 8,971 Noninterest expense 28,296 1,862 30,158 Provision for income taxes 1,930 148 2,078 Net income 9,252 562 9,814 Assets 1,238,597 13,877 1,252,474 Nine Months Ended September 30, 2021 Banking Consumer Finance Total Company Net interest income $ 29,124 $ 1,498 $ 30,622 Provision for loan losses (150 ) 32 (118 ) Noninterest income 7,474 983 8,457 Noninterest expense 26,095 1,858 27,953 Provision for income taxes 1,693 123 1,816 Net income 8,960 468 9,428 Assets 1,232,353 13,025 1,245,378

LEASES

LEASES	9 Months Ended
	Sep. 30, 2022
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 7 months to 19 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 is as follows: As of September 30, 2022 As of December 31, 2021 Operating leases: Operating lease right-of-use assets $ 1,170 $ 1,195 Operating lease liabilities 1,170 1,195 The components of lease cost are as follows: Three Months Ended September 30, Nine Months Ended September 30, 2022 2021 2022 2021 Operating lease cost $ 51 $ 41 $ 135 $ 119 Short-term lease expense 10 8 28 24 Future undiscounted lease payments for operating leases with initial terms of one year or more as of September 30, 2022 are as follows: Operating Leases 2022 $ 49 2023 153 2024 133 2025 133 2026 119 Thereafter 866 Total lease payments 1,453 Less: Imputed Interest (283 ) Total operating leases $ 1,170 Other information is as follows: As of September 30, 2022 As of December 31, 2021 Weighted-average remaining lease term for operating leases 12.6 years 13.7 years Weighted-average discount rate for operating leases 2.36 % 2.29 %

SUMMARY OF SIGNIFICANT ACCOUN_2

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies)	9 Months Ended
	Sep. 30, 2022
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, 2022, 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, 2022, are not necessarily indicative of the operating results to be anticipated for the full fiscal year ending December 31, 2022. 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, 2021, contains consolidated financial statements and related notes which should be read in conjunction with the accompanying consolidated financial statements. The consolidated financial statements for 2021 have been reclassified to conform to the presentation for 2022. 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 the 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, 2022, there were $493 in loans held for sale by the Bank, as compared to $1,682 in loans held for sale at December 31, 2021.
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 ("TDRs") and are 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. TDRs are measured at the present value of estimated future cash flows using the loan’s effective rate at inception. If a TDR is considered to be a collateral dependent loan, the loan is reported, net, at the fair value of the collateral. For TDRs 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 three years for the consumer and real estate portfolio segment and five 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 that 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 six 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, 2022, 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: In March 2022, the FASB issued ASU 2022-02, Financial Instruments-Credit Losses (Topic 326). This standard: (i) eliminates the accounting guidance for TDRs, requiring entities to determine whether a modification results in a new loan or a continuation of an existing loan; (ii) expands disclosures related to modifications; and (iii) requires disclosure of current period gross write-offs of financing receivables within the vintage disclosures table. The amendments in this update are effective for fiscal years beginning after December 15, 2022, including interim periods within those fiscal years, and are applied prospectively, except with respect to the recognition and measurement of TDRs, where an entity has the option to apply a modified retrospective transition method. Early adoption of the amendments in this update is permitted if ASU 2016-13 has been previously adopted. An entity may elect to early adopt the amendments regarding TDRs and related disclosure enhancements separately from the amendments related to vintage disclosures. The Company is assessing the impact that the adoption of ASU 2022-02 will have on its consolidated financial statements.

FAIR VALUE OF FINANCIAL INSTR_2

FAIR VALUE OF FINANCIAL INSTRUMENTS (Tables)	9 Months Ended
	Sep. 30, 2022
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, 2022 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 $ 42,790 $ — — U.S. Government sponsored entity securities — 18,717 — Agency mortgage-backed securities, residential — 123,337 — Interest rate swap derivatives — 1,404 — Liabilities: Interest rate swap derivatives — (1,404 ) — Fair Value Measurements at December 31, 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 $ 20,143 $ — — U.S. Government sponsored entity securities — 25,916 — Agency mortgage-backed securities, residential — 130,941 — Interest rate swap derivatives — 599 — Liabilities Interest rate swap derivatives — (599 ) —
Assets and Liabilities Measured on Nonrecurring Basis	There were no assets or liabilities measured at fair value on a nonrecurring basis at September 30, 2022. Assets and liabilities measured at fair value on a nonrecurring basis at December 31, 2021 are summarized below: Fair Value Measurements at December 31, 2021 Using December 31, 2021 Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Assets: Impaired loans: Commercial and industrial — — $ 1,983
Quantitative Information about Level 3 Inputs	There was no quantitative information about Level 3 fair value measurements for financial instruments measured at fair value on a non-recurring basis at September 30, 2022. The following table presents quantitative information about Level 3 fair value measurements for financial instruments measured at fair value on a non-recurring basis at December 31, 2021: December 31, 2021 Fair Value Valuation Technique(s) Unobservable Input(s) Range Weighted Average Impaired loans: 1 1 Commercial and industrial $ 1,983 Sales approach Adjustment to comparables and equipment comparables 0% to 25% 18.5%%
Carrying Amounts and Estimated Fair Values of Financial Instruments	The carrying amounts and estimated fair values of financial instruments at September 30, 2022 and December 31, 2021 are as follows: Carrying Fair Value Measurements at September 30, 2022 Using Value Level 1 Level 2 Level 3 Total Financial Assets: Cash and cash equivalents $ 113,111 $ 113,111 $ — $ — $ 113,111 Certificates of deposit in financial institutions 1,868 — 1,868 — 1,868 Securities available for sale 184,844 42,790 142,054 — 184,844 Securities held to maturity 9,642 — 5,210 3,445 8,655 Loans, net 851,102 — — 825,644 825,644 Interest rate swap derivatives 1,404 — 1,404 — 1,404 Accrued interest receivable 3,053 — 552 2,501 3,053 Financial liabilities: Deposits 1,074,325 920,418 153,807 — 1,074,225 Other borrowed funds 18,085 — 16,646 — 16,646 Subordinated debentures 8,500 — 8,474 — 8,474 Interest rate swap derivatives 1,404 — 1,404 — 1,404 Accrued interest payable 325 — 325 — 325 Carrying Fair Value Measurements at December 31, 2021 Using Value Level 1 Level 2 Level 3 Total Financial Assets: Cash and cash equivalents $ 152,034 $ 152,034 $ — $ — $ 152,034 Certificates of deposit in financial institutions 2,329 — 2,329 — 2,329 Securities available for sale 177,000 20,143 156,857 — 177,000 Securities held to maturity 10,294 — 6,063 4,387 10,450 Loans, net 824,708 — — 821,899 821,899 Interest rate swap derivatives 599 — 599 — 599 Accrued interest receivable 2,695 — 363 2,332 2,695 Financial liabilities: Deposits 1,059,908 870,626 189,796 — 1,060,422 Other borrowed funds 19,614 — 20,279 — 20,279 Subordinated debentures 8,500 — 5,657 — 5,657 Interest rate swap derivatives 599 — 599 — 599 Accrued interest payable 439 1 438 — 439

SECURITIES (Tables)

SECURITIES (Tables)	9 Months Ended
	Sep. 30, 2022
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, 2022 and December 31, 2021, 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 , 2022 U.S. Government securities $ 45,988 $ — $ (3,198 ) $ 42,790 U.S. Government sponsored entity securities 21,344 — (2,627 ) 18,717 Agency mortgage-backed securities, residential 141,183 — (17,846 ) 123,337 Total securities $ 208,515 $ — $ (23,671 ) $ 184,844 December 31, 2021 U.S. Government securities $ 20,182 $ — $ (39 ) $ 20,143 U.S. Government sponsored entity securities 25,980 109 (173 ) 25,916 Agency mortgage-backed securities, residential 129,942 1,476 (477 ) 130,941 Total securities $ 176,104 $ 1,585 $ (689 ) $ 177,000
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 , 2022 Obligations of states and political subdivisions $ 9,641 $ 30 $ (1,017 ) $ 8,654 Agency mortgage-backed securities, residential 1 — — 1 Total securities $ 9,642 $ 30 $ (1,017 ) $ 8,655 December 31, 2021 Obligations of states and political subdivisions $ 10,292 $ 200 $ (44 ) $ 10,448 Agency mortgage-backed securities, residential 2 — — 2 Total securities $ 10,294 $ 200 $ (44 ) $ 10,450
Amortized Cost and Fair Value of Securities by Contractual Maturity	The amortized cost and estimated fair value of debt securities at September 30, 2022, 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 $ 1,998 $ 1,987 $ 359 $ 360 Due in over one to five years 60,334 55,264 3,522 3,376 Due in over five to ten years 5,000 4,256 3,022 2,718 Due after ten years — — 2,738 2,200 Agency mortgage-backed securities, residential 141,183 123,337 1 1 Total debt securities $ 208,515 $ 184,844 $ 9,642 $ 8,655
Securities with Unrealized Losses in Continuous Unrealized Loss Position	The following table summarizes securities with unrealized losses at September 30, 2022 and December 31, 2021, aggregated by major security type and length of time in a continuous unrealized loss position: September 30 2022 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 $ 42,790 $ (3,198 ) $ — $ — $ 42,790 $ (3,198 ) U.S. Government sponsored entity securities 8,017 (827 ) 10,700 (1,800 ) 18,717 (2,627 ) Agency mortgage-backed securities, residential 87,082 (11,001 ) 36,255 (6,845 ) 123,337 (17,846 ) Total available for sale $ 137,889 $ (15,026 ) $ 46,955 $ (8,645 ) $ 184,844 $ (23,671 ) December 31, 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 $ 20,143 $ (39 ) $ — $ — $ 20,143 $ (39 ) U.S Government sponsored entity securities 18,307 (173 ) — — 18,307 (173 ) Agency mortgage-backed securities, residential 64,560 (477 ) — — 64,560 (477 ) Total available for sale $ 103,010 $ (689 ) $ — $ — $ 103,010 $ (689 ) September 30, 2022 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 $ 5,206 $ (652 ) $ 1,660 $ (365 ) $ 6,866 $ (1,017 ) Total held to maturity $ 5,206 $ (652 ) $ 1,660 $ (365 ) $ 6,866 $ (1,017 ) December 31, 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 $ 2,617 $ (38 ) $ 130 $ (6 ) $ 2,747 $ (44 ) Total held to maturity $ 2,617 $ (38 ) $ 130 $ (6 ) $ 2,747 $ (44 )

LOANS AND ALLOWANCE FOR LOAN _2

LOANS AND ALLOWANCE FOR LOAN LOSSES (Tables)	9 Months Ended
	Sep. 30, 2022
LOANS AND ALLOWANCE FOR LOAN LOSSES [Abstract]
Portfolio Loans	Loans are comprised of the following: September 30, 2022 December 31, 2021 Residential real estate $ 272,271 $ 274,425 Commercial real estate: Owner-occupied 70,623 71,979 Nonowner-occupied 173,116 176,100 Construction 41,264 33,718 Commercial and industrial 153,417 141,525 Consumer: Automobile 54,409 48,206 Home equity 26,755 22,375 Other 64,058 62,863 855,913 831,191 Less: Allowance for loan losses (4,811 ) (6,483 ) Loans, net $ 851,102 $ 824,708
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, 2022 and 2021: September 30 , 2022 Residential Real Estate Commercial Real Estate Commercial and Industrial Consumer Total Allowance for loan losses: Beginning balance $ 614 $ 1,846 $ 1,548 $ 1,206 $ 5,214 Provision for loan losses (189 ) 42 (308 ) 77 (378 ) Loans charged off (57 ) (20 ) — (262 ) (339 ) Recoveries 55 29 36 194 314 Total ending allowance balance $ 423 $ 1,897 $ 1,276 $ 1,215 $ 4,811 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 The following table presents the activity in the allowance for loan losses by portfolio segment for the nine months ended September 30, 2022 and 2021: September 30, 2022 Residential Real Estate Commercial Real Estate Commercial and Industrial Consumer Total Allowance for loan losses: Beginning balance $ 980 $ 2,548 $ 1,571 $ 1,384 $ 6,483 Provision for loan losses (545 ) (683 ) 271 266 (691 ) Loans charged-off (99 ) (36 ) (618 ) (964 ) (1,717 ) Recoveries 87 68 52 529 736 Total ending allowance balance $ 423 $ 1,897 $ 1,276 $ 1,215 $ 4,811 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
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, 2022 and December 31, 2021: September 30 , 2022 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 423 1,897 1,276 1,215 4,811 Total ending allowance balance $ 423 $ 1,897 $ 1,276 $ 1,215 $ 4,811 Loans: Loans individually evaluated for impairment $ — $ 2,020 $ — $ 28 $ 2,048 Loans collectively evaluated for impairment 272,271 282,983 153,417 145,194 853,865 Total ending loans balance $ 272,271 $ 285,003 $ 153,417 $ 145,222 $ 855,913 December 31, 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 $ — $ — $ 10 $ — $ 10 Collectively evaluated for impairment 980 2,548 1,561 1,384 6,473 Total ending allowance balance $ 980 $ 2,548 $ 1,571 $ 1,384 $ 6,483 Loans: Loans individually evaluated for impairment $ — $ 5,411 $ 4,531 $ 81 $ 10,023 Loans collectively evaluated for impairment 274,425 276,386 136,994 133,363 821,168 Total ending loans balance $ 274,425 $ 281,797 $ 141,525 $ 133,444 $ 831,191
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, 2022 and December 31, 2021: September 30 , 2022 Unpaid Principal Balance Recorded Investment Allowance for Loan Losses Allocated With an allowance recorded: $ — $ — $ — With no related allowance recorded: Commercial real estate: Owner-occupied 1,703 1,640 — Nonowner-occupied 380 380 — Consumer: Home equity 28 28 — Total $ 2,111 $ 2,048 $ — December 31, 2021 Unpaid Principal Balance Recorded Investment Allowance for Loan Losses Allocated With an allowance recorded: Commercial and industrial $ 1,993 $ 1,993 $ 10 With no related allowance recorded: Commercial real estate: Owner-occupied 5,052 5,027 — Nonowner-occupied 384 384 — Commercial and industrial 2,538 2,538 — Consumer: Home equity 31 31 — Other 50 50 — Total $ 10,048 $ 10,023 $ 10 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, 2022 and 2021: Three months ended September 30, 2022 Nine months ended September 30, 2022 Average Impaired Loans Interest Income Recognized Cash Basis Interest Recognized Average Impaired Loans Interest Income Recognized Cash Basis Interest Recognized With an allowance recorded: $ — $ — $ — $ — $ — $ — With no related allowance recorded: Commercial real estate: Owner-occupied 1,650 18 18 1,676 66 66 Nonowner-occupied 381 8 8 382 22 22 Consumer: Home equity 14 1 1 22 1 1 Total $ 2,045 $ 27 $ 27 $ 2,080 $ 89 $ 89 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
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, 2022 and December 31, 2021: September 30 , 2022 Loans Past Due 90 Days And Still Accruing Nonaccrual Residential real estate $ 203 $ 1,531 Commercial real estate: Owner-occupied — 981 Nonowner-occupied — 72 Construction — 15 Commercial and industrial 148 149 Consumer: Automobile 65 105 Home equity — 127 Other 470 75 Total $ 886 $ 3,055 December 31, 2021 Loans Past Due 90 Days And Still Accruing Nonaccrual Residential real estate $ 10 $ 2,683 Commercial real estate: Owner-occupied — 1,055 Nonowner-occupied — — Construction — 146 Commercial and industrial 65 150 Consumer: Automobile 55 147 Home equity — 148 Other 160 17 Total $ 290 $ 4,346
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, 2022 and December 31, 2021: September 30 , 2022 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 $ 1,514 $ 907 $ 624 $ 3,045 $ 269,226 $ 272,271 Commercial real estate: Owner-occupied 188 — 981 1,169 69,454 70,623 Nonowner-occupied 9 6 — 15 173,101 173,116 Construction 34 — — 34 41,230 41,264 Commercial and industrial 96 — 297 393 153,024 153,417 Consumer: Automobile 760 156 157 1,073 53,336 54,409 Home equity 35 — 127 162 26,593 26,755 Other 384 368 514 1,266 62,792 64,058 Total $ 3,020 $ 1,437 $ 2,700 $ 7,157 $ 848,756 $ 855,913 December 31, 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 $ 2,208 $ 1,218 $ 921 $ 4,347 $ 270,078 $ 274,425 Commercial real estate: Owner-occupied 895 — 153 1,048 70,931 71,979 Nonowner-occupied 100 — — 100 176,000 176,100 Construction 36 53 33 122 33,596 33,718 Commercial and industrial 517 60 215 792 140,733 141,525 Consumer: Automobile 656 148 194 998 47,208 48,206 Home equity 35 165 47 247 22,128 22,375 Other 401 133 177 711 62,152 62,863 Total $ 4,848 $ 1,777 $ 1,740 $ 8,365 $ 822,826 $ 831,191
Troubled Debt Restructuring Loan Modifications	The following table presents the types of TDR loan modifications by class of loans as of September 30, 2022 and December 31, 2021: September 30 , 2022 TDRs Performing to Modified Terms TDRs Not Performing to Modified Terms Total TDRs Commercial real estate: Owner-occupied Reduction of principal and interest payments $ 419 $ — $ 419 Credit extension at lower stated rate than market rate 364 — 364 Nonowner-occupied Credit extension at lower stated rate than market rate 380 — 380 Total TDRs $ 1,163 $ — $ 1,163 December 31, 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 $ 1,455 $ — $ 1,455 Maturity extension at lower stated rate than market rate 268 — 268 Credit extension at lower stated rate than market rate 375 — 375 Nonowner-occupied Credit extension at lower stated rate than market rate 385 — 385 Commercial and industrial Interest only payments 2,301 — 2,301 Total TDRs $ 4,784 $ — $ 4,784
Financing Receivable Credit Quality Indicators	As of September 30, 2022 and December 31, 2021, and based on the most recent analysis performed, the risk category of commercial loans by class of loans was as follows: September 30 , 2022 Pass Criticized Classified Total Commercial real estate: Owner-occupied $ 67,110 $ 2,532 $ 981 $ 70,623 Nonowner-occupied 172,926 — 190 173,116 Construction 41,202 — 62 41,264 Commercial and industrial 151,371 276 1,770 153,417 Total $ 432,609 $ 2,808 $ 3,003 $ 438,420 December 31, 2021 Pass Criticized Classified Total Commercial real estate: Owner-occupied $ 66,999 $ 618 $ 4,362 $ 71,979 Nonowner-occupied 175,901 — 199 176,100 Construction 33,685 — 33 33,718 Commercial and industrial 134,983 1,862 4,680 141,525 Total $ 411,568 $ 2,480 $ 9,274 $ 423,322
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, 2022 and December 31, 2021: September 30 , 2022 Consumer Residential Automobile Home Equity Other Real Estate Total Performing $ 54,239 $ 26,628 $ 63,513 $ 270,537 $ 414,917 Nonperforming 170 127 545 1,734 2,576 Total $ 54,409 $ 26,755 $ 64,058 $ 272,271 $ 417,493 December 31, 2021 Consumer Residential Automobile Home Equity Other Real Estate Total Performing $ 48,004 $ 22,227 $ 62,686 $ 271,732 $ 404,649 Nonperforming 202 148 177 2,693 3,220 Total $ 48,206 $ 22,375 $ 62,863 $ 274,425 $ 407,869

OTHER BORROWED FUNDS (Tables)

OTHER BORROWED FUNDS (Tables)	9 Months Ended
	Sep. 30, 2022
OTHER BORROWED FUNDS [Abstract]
Schedule of Federal Home Loan Bank, Advances, by Branch of FHLB Bank	Other borrowed funds at September 30, 2022 and December 31, 2021 are comprised of advances from the Federal Home Loan Bank (“FHLB”) of Cincinnati and promissory notes. FHLB Borrowings Promissory Notes Totals September 30 2022 $ 15,947 $ 2,138 $ 18,085 December 31, 2021 $ 17,476 $ 2,138 $ 19,614
Schedule of Maturities of Long-term Debt	Scheduled principal payments as of September 30, 2022: FHLB Borrowings Promissory Notes Totals 2022 $ 580 $ 530 $ 1,110 2023 1,784 1,608 3,392 2024 1,693 — 1,693 2025 1,560 — 1,560 2026 1,434 — 1,434 Thereafter 8,896 — 8,896 $ 15,947 $ 2,138 $ 18,085

SEGMENT INFORMATION (Tables)

SEGMENT INFORMATION (Tables)	9 Months Ended
	Sep. 30, 2022
SEGMENT INFORMATION [Abstract]
Segment Information	Information for the Company’s reportable segments is as follows: Three Months Ended September 30, 2022 Banking Consumer Finance Total Company Net interest income $ 11,299 $ 546 $ 11,845 Provision for loan losses (400 ) 22 (378 ) Noninterest income 2,573 42 2,615 Noninterest expense 9,743 604 10,347 Provision for income taxes 809 (8 ) 801 Net income 3,720 (30 ) 3,690 Assets 1,238,597 13,877 1,252,474 Three Months Ended September 30, 2021 Banking Consumer Finance Total Company Net interest income $ 9,843 $ 516 $ 10,359 Provision for loan losses (100 ) 7 (93 ) Noninterest income 2,582 30 2,612 Noninterest expense 8,861 608 9,469 Provision for income taxes 574 (15 ) 559 Net income 3,090 (54 ) 3,036 Assets 1,232,353 13,025 1,245,378 Nine Months Ended September 30, 2022 Banking Consumer Finance Total Company Net interest income $ 30,791 $ 1,597 $ 32,388 Provision for loan losses (700 ) 9 (691 ) Noninterest income 7,987 984 8,971 Noninterest expense 28,296 1,862 30,158 Provision for income taxes 1,930 148 2,078 Net income 9,252 562 9,814 Assets 1,238,597 13,877 1,252,474 Nine Months Ended September 30, 2021 Banking Consumer Finance Total Company Net interest income $ 29,124 $ 1,498 $ 30,622 Provision for loan losses (150 ) 32 (118 ) Noninterest income 7,474 983 8,457 Noninterest expense 26,095 1,858 27,953 Provision for income taxes 1,693 123 1,816 Net income 8,960 468 9,428 Assets 1,232,353 13,025 1,245,378

LEASES (Tables)

LEASES (Tables)	9 Months Ended
	Sep. 30, 2022
LEASES [Abstract]
Balance Sheet Information	Balance sheet information related to leases is as follows: As of September 30, 2022 As of December 31, 2021 Operating leases: Operating lease right-of-use assets $ 1,170 $ 1,195 Operating lease liabilities 1,170 1,195
Components of Lease Cost	The components of lease cost are as follows: Three Months Ended September 30, Nine Months Ended September 30, 2022 2021 2022 2021 Operating lease cost $ 51 $ 41 $ 135 $ 119 Short-term lease expense 10 8 28 24
Maturities of Lease Liabilities	Future undiscounted lease payments for operating leases with initial terms of one year or more as of September 30, 2022 are as follows: Operating Leases 2022 $ 49 2023 153 2024 133 2025 133 2026 119 Thereafter 866 Total lease payments 1,453 Less: Imputed Interest (283 ) Total operating leases $ 1,170
Other Information	Other information is as follows: As of September 30, 2022 As of December 31, 2021 Weighted-average remaining lease term for operating leases 12.6 years 13.7 years Weighted-average discount rate for operating leases 2.36 % 2.29 %

SUMMARY OF SIGNIFICANT ACCOUN_3

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Details) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2022 USD ($) Subsidiaries shares	Sep. 30, 2021 shares	Sep. 30, 2022 USD ($) Segment Subsidiaries shares	Sep. 30, 2021 shares	Dec. 31, 2021 USD ($)
BASIS OF PRESENTATION [Abstract]
Number of subsidiaries | Subsidiaries	2		2
INDUSTRY SEGMENT INFORMATION [Abstract]
Number of reported lines of business | Segment			2
LOANS [Abstract]
Loans held for sale | $	$ 493		$ 493		$ 1,682
EARNINGS PER SHARE [Abstract]
Number of weighted average common shares outstanding (in shares) | shares	4,771,774	4,783,886	4,768,246	4,786,246
Commercial Real Estate Loans [Member]
ALLOWANCE FOR LOAN LOSSES [Abstract]
Period of actual loss history experienced			3 years
Consumer Loans [Member]
ALLOWANCE FOR LOAN LOSSES [Abstract]
Period of actual loss history experienced			3 years
Loans maturity period			6 years
Commercial and Industrial Loans [Member]
ALLOWANCE FOR LOAN LOSSES [Abstract]
Period of actual loss history experienced			5 years

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, 2022	Dec. 31, 2021
FAIR VALUE OF FINANCIAL INSTRUMENTS [Abstract]
Selling costs percentage	10%
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	42,790	20,143
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	1,404	599
Liabilities, fair value	(1,404)	(599)
Recurring [Member] | Significant Other Observable (Level 2) [Member] | U.S. Government Securities [Member]
Fair Value, Asset and Liabilities [Abstract]
Assets, fair value	0	0
Recurring [Member] | Significant Other Observable (Level 2) [Member] | U.S. Government Sponsored Entity Securities [Member]
Fair Value, Asset and Liabilities [Abstract]
Assets, fair value	18,717	25,916
Recurring [Member] | Significant Other Observable (Level 2) [Member] | Agency Mortgage-backed Securities, Residential [Member]
Fair Value, Asset and Liabilities [Abstract]
Assets, fair value	123,337	130,941
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	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) - Nonrecurring [Member] - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
Fair Value, Asset and Liabilities [Abstract]
Assets, fair value	$ 0
Liabilities, fair value	$ 0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Impaired Loans [Member] | Commercial and Industrial [Member]
Fair Value, Asset and Liabilities [Abstract]
Assets, fair value		$ 0
Significant Other Observable (Level 2) [Member] | Impaired Loans [Member] | Commercial and Industrial [Member]
Fair Value, Asset and Liabilities [Abstract]
Assets, fair value		0
Significant Unobservable Inputs (Level 3) [Member] | Impaired Loans [Member] | Commercial and Industrial [Member]
Fair Value, Asset and Liabilities [Abstract]
Assets, fair value		$ 1,983

FAIR VALUE OF FINANCIAL INSTR_5

FAIR VALUE OF FINANCIAL INSTRUMENTS, Quantitative Information about Level 3 Inputs (Details) $ in Thousands	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2022 USD ($)	Sep. 30, 2021 USD ($)	Sep. 30, 2022 USD ($)	Sep. 30, 2021 USD ($)	Dec. 31, 2021 USD ($)
Impaired loans measurement [Abstract]
Impaired financing receivable, with related allowance, recorded investment	$ 0		$ 0		$ 1,993
Impaired financing receivable, related allowance	0		0		10
Impaired financing receivable, increase in provision expense					10
Financing receivable, charge-offs					0
Other real estate	0		0		0
Other real estate, write-down	$ 0	$ 0	$ 0	$ 0
Commercial and Industrial [Member]
Impaired loans measurement [Abstract]
Impaired financing receivable, with related allowance, recorded investment					1,993
Impaired financing receivable, related allowance					10
Significant Unobservable Inputs (Level 3) [Member] | Commercial and Industrial [Member] | Nonrecurring [Member]
Significant Unobservable Inputs Related to Assets and Liabilities Measured at Fair Value [Abstract]
Impaired loans, fair value					$ 1,983
Significant Unobservable Inputs (Level 3) [Member] | Commercial and Industrial [Member] | Adjustment to Comparable [Member] | Sales Approach [Member] | Nonrecurring [Member] | Minimum [Member]
Significant Unobservable Inputs Related to Assets and Liabilities Measured at Fair Value [Abstract]
Impaired loans, measurement inputs					0
Significant Unobservable Inputs (Level 3) [Member] | Commercial and Industrial [Member] | Adjustment to Comparable [Member] | Sales Approach [Member] | Nonrecurring [Member] | Maximum [Member]
Significant Unobservable Inputs Related to Assets and Liabilities Measured at Fair Value [Abstract]
Impaired loans, measurement inputs					0.25
Significant Unobservable Inputs (Level 3) [Member] | Commercial and Industrial [Member] | Adjustment to Comparable [Member] | Sales Approach [Member] | Nonrecurring [Member] | Weighted Average [Member]
Significant Unobservable Inputs Related to Assets and Liabilities Measured at Fair Value [Abstract]
Impaired loans, measurement inputs					0.185

FAIR VALUE OF FINANCIAL INSTR_6

FAIR VALUE OF FINANCIAL INSTRUMENTS, Carrying Amounts and Estimated Fair Values of Financial Instruments (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
Financial Assets [Abstract]
Securities available for sale	$ 184,844	$ 177,000
Carrying Amount [Member]
Financial Assets [Abstract]
Cash and cash equivalents	113,111	152,034
Certificates of deposit in financial institutions	1,868	2,329
Securities available for sale	184,844	177,000
Securities held to maturity	9,642	10,294
Loans, net	851,102	824,708
Interest rate swap derivatives	1,404	599
Accrued interest receivable	3,053	2,695
Financial Liabilities [Abstract]
Deposits	1,074,325	1,059,908
Other borrowed funds	18,085	19,614
Subordinated debentures	8,500	8,500
Interest rate swap derivatives	1,404	599
Accrued interest payable	325	439
Estimated Fair Value [Member]
Financial Assets [Abstract]
Cash and cash equivalents	113,111	152,034
Certificates of deposit in financial institutions	1,868	2,329
Securities available for sale	184,844	177,000
Securities held to maturity	8,655	10,450
Loans, net	825,644	821,899
Interest rate swap derivatives	1,404	599
Accrued interest receivable	3,053	2,695
Financial Liabilities [Abstract]
Deposits	1,074,225	1,060,422
Other borrowed funds	16,646	20,279
Subordinated debentures	8,474	5,657
Interest rate swap derivatives	1,404	599
Accrued interest payable	325	439
Estimated Fair Value [Member] | Level 1 [Member]
Financial Assets [Abstract]
Cash and cash equivalents	113,111	152,034
Certificates of deposit in financial institutions	0	0
Securities available for sale	42,790	20,143
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	920,418	870,626
Other borrowed funds	0	0
Subordinated debentures	0	0
Interest rate swap derivatives	0	0
Accrued interest payable	0	1
Estimated Fair Value [Member] | Level 2 [Member]
Financial Assets [Abstract]
Cash and cash equivalents	0	0
Certificates of deposit in financial institutions	1,868	2,329
Securities available for sale	142,054	156,857
Securities held to maturity	5,210	6,063
Loans, net	0	0
Interest rate swap derivatives	1,404	599
Accrued interest receivable	552	363
Financial Liabilities [Abstract]
Deposits	153,807	189,796
Other borrowed funds	16,646	20,279
Subordinated debentures	8,474	5,657
Interest rate swap derivatives	1,404	599
Accrued interest payable	325	438
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	3,445	4,387
Loans, net	825,644	821,899
Interest rate swap derivatives	0	0
Accrued interest receivable	2,501	2,332
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, 2022	Dec. 31, 2021
Available-for-sale Investment Securities [Abstract]
Amortized Cost	$ 208,515	$ 176,104
Gross Unrealized Gains	0	1,585
Gross Unrealized Losses	(23,671)	(689)
Estimated Fair Value	184,844	177,000
U.S. Government Securities [Member]
Available-for-sale Investment Securities [Abstract]
Amortized Cost	45,988	20,182
Gross Unrealized Gains	0	0
Gross Unrealized Losses	(3,198)	(39)
Estimated Fair Value	42,790	20,143
US Government-sponsored Entity Securities [Member]
Available-for-sale Investment Securities [Abstract]
Amortized Cost	21,344	25,980
Gross Unrealized Gains	0	109
Gross Unrealized Losses	(2,627)	(173)
Estimated Fair Value	18,717	25,916
Agency Mortgage-backed Securities, Residential [Member]
Available-for-sale Investment Securities [Abstract]
Amortized Cost	141,183	129,942
Gross Unrealized Gains	0	1,476
Gross Unrealized Losses	(17,846)	(477)
Estimated Fair Value	$ 123,337	$ 130,941

SECURITIES, Amortized Cost an_2

SECURITIES, Amortized Cost and Fair Value of Securities Held-to-maturity (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
Debt Securities, Held-to-maturity, Maturity, Amortized Cost [Abstract]
Amortized Cost	$ 9,642	$ 10,294
Gross Unrealized Gains	30	200
Gross Unrecognized Losses	(1,017)	(44)
Estimated Fair Value	8,655	10,450
Obligations of States and Political Subdivisions [Member]
Debt Securities, Held-to-maturity, Maturity, Amortized Cost [Abstract]
Amortized Cost	9,641	10,292
Gross Unrealized Gains	30	200
Gross Unrecognized Losses	(1,017)	(44)
Estimated Fair Value	8,654	10,448
Agency Mortgage-backed Securities, Residential [Member]
Debt Securities, Held-to-maturity, Maturity, Amortized Cost [Abstract]
Amortized Cost	1	2
Gross Unrealized Gains	0	0
Gross Unrecognized Losses	0	0
Estimated Fair Value	$ 1	$ 2

SECURITIES, Amortized Cost an_3

SECURITIES, Amortized Cost and Fair Value of Securities by Contractual Maturity (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
Amortized cost of Available-for-sale Securities by Contractual Maturity [Abstract]
Due in one year or less	$ 1,998
Due in over one to five years	60,334
Due in over five to ten years	5,000
Due after ten years	0
Agency mortgage-backed securities, residential	141,183
Amortized Cost	208,515	$ 176,104
Fair Value of Available-for-sale Securities by Contractual Maturity [Abstract]
Due in one year or less	1,987
Due in over one to five years	55,264
Due in over five to ten years	4,256
Due after ten years	0
Agency mortgage-backed securities, residential	123,337
Estimated Fair Value	184,844	177,000
Debt Securities, Held-to-maturity, Maturity, Amortized Cost, Net [Abstract]
Due in one year or less	359
Due in over one to five years	3,522
Due in over five to ten years	3,022
Due after ten years	2,738
Agency mortgage-backed securities, residential	1
Amortized Cost	9,642	10,294
Debt Securities, Held-to-maturity, Maturity, Fair Value [Abstract]
Due in one year or less	360
Due in over one to five years	3,376
Due in over five to ten years	2,718
Due after ten years	2,200
Agency mortgage-backed securities, residential	1
Estimated Fair Value	8,655	10,450
Agency Mortgage-backed Securities, Residential [Member]
Amortized cost of Available-for-sale Securities by Contractual Maturity [Abstract]
Amortized Cost	141,183	129,942
Fair Value of Available-for-sale Securities by Contractual Maturity [Abstract]
Estimated Fair Value	123,337	130,941
Debt Securities, Held-to-maturity, Maturity, Amortized Cost, Net [Abstract]
Amortized Cost	1	2
Debt Securities, Held-to-maturity, Maturity, Fair Value [Abstract]
Estimated Fair Value	$ 1	$ 2

SECURITIES, Available-for-sale

SECURITIES, Available-for-sale Securities with Unrealized Losses in Continuous Unrealized Loss Position (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
Available-for-sale Securities with Continuous Unrealized Loss Position, Fair Value [Abstract]
Less than 12 Months - Fair Value	$ 137,889	$ 103,010
12 Months or More - Fair Value	46,955	0
Fair Value	184,844	103,010
Available-for-sale Securities with Continuous Unrealized Loss Position, Unrealized Loss [Abstract]
Less than 12 Months - Unrealized Loss	(15,026)	(689)
12 Months or More - Unrealized Loss	(8,645)	0
Unrealized Loss	(23,671)	(689)
U.S. Government Securities [Member]
Available-for-sale Securities with Continuous Unrealized Loss Position, Fair Value [Abstract]
Less than 12 Months - Fair Value	42,790	20,143
12 Months or More - Fair Value	0	0
Fair Value	42,790	20,143
Available-for-sale Securities with Continuous Unrealized Loss Position, Unrealized Loss [Abstract]
Less than 12 Months - Unrealized Loss	(3,198)	(39)
12 Months or More - Unrealized Loss	0	0
Unrealized Loss	(3,198)	(39)
US Government-sponsored Entity Securities [Member]
Available-for-sale Securities with Continuous Unrealized Loss Position, Fair Value [Abstract]
Less than 12 Months - Fair Value	8,017	18,307
12 Months or More - Fair Value	10,700	0
Fair Value	18,717	18,307
Available-for-sale Securities with Continuous Unrealized Loss Position, Unrealized Loss [Abstract]
Less than 12 Months - Unrealized Loss	(827)	(173)
12 Months or More - Unrealized Loss	(1,800)	0
Unrealized Loss	(2,627)	(173)
Agency Mortgage-backed Securities, Residential [Member]
Available-for-sale Securities with Continuous Unrealized Loss Position, Fair Value [Abstract]
Less than 12 Months - Fair Value	87,082	64,560
12 Months or More - Fair Value	36,255	0
Fair Value	123,337	64,560
Available-for-sale Securities with Continuous Unrealized Loss Position, Unrealized Loss [Abstract]
Less than 12 Months - Unrealized Loss	(11,001)	(477)
12 Months or More - Unrealized Loss	(6,845)	0
Unrealized Loss	$ (17,846)	$ (477)

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, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021	Dec. 31, 2021
Held-to-maturity Securities with Continuous Unrealized Loss Position, Fair Value [Abstract]
Less Than 12 Months - Fair Value	$ 5,206		$ 5,206		$ 2,617
12 Months or More - Fair Value	1,660		1,660		130
Fair Value	6,866		6,866		2,747
Held-to-maturity Securities with Unrealized Loss Position, Unrealized Loss [Abstract]
Less Than 12 Months - Unrecognized Loss	(652)		(652)		(38)
12 Months or More - Unrecognized Loss	(365)		(365)		(6)
Unrecognized Loss	(1,017)		(1,017)		(44)
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	5,206		5,206		2,617
12 Months or More - Fair Value	1,660		1,660		130
Fair Value	6,866		6,866		2,747
Held-to-maturity Securities with Unrealized Loss Position, Unrealized Loss [Abstract]
Less Than 12 Months - Unrecognized Loss	(652)		(652)		(38)
12 Months or More - Unrecognized Loss	(365)		(365)		(6)
Unrecognized Loss	$ (1,017)		$ (1,017)		$ (44)

LOANS AND ALLOWANCE FOR LOAN _3

LOANS AND ALLOWANCE FOR LOAN LOSSES, Loans (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Jun. 30, 2022	Dec. 31, 2021	Sep. 30, 2021	Jun. 30, 2021	Dec. 31, 2020
Loans [Abstract]
Total loans	$ 855,913		$ 831,191
Less: Allowance for loan losses	(4,811)	$ (5,214)	(6,483)	$ (6,664)	$ (6,799)	$ (7,160)
Net loans	851,102		824,708
Residential Real Estate [Member]
Loans [Abstract]
Total loans	272,271		274,425
Less: Allowance for loan losses	(423)	(614)	(980)	(1,045)	(1,088)	(1,480)
Commercial Real Estate [Member]
Loans [Abstract]
Total loans	285,003		281,797
Less: Allowance for loan losses	(1,897)	(1,846)	(2,548)	(2,594)	(2,532)	(2,431)
Commercial Real Estate [Member] | Owner-occupied [Member]
Loans [Abstract]
Total loans	70,623		71,979
Commercial Real Estate [Member] | Nonowner-occupied [Member]
Loans [Abstract]
Total loans	173,116		176,100
Commercial Real Estate [Member] | Construction [Member]
Loans [Abstract]
Total loans	41,264		33,718
Commercial and Industrial [Member]
Loans [Abstract]
Total loans	153,417		141,525
Less: Allowance for loan losses	(1,276)	(1,548)	(1,571)	(1,571)	(1,746)	(1,776)
Commercial and Industrial [Member] | PPP [Member]
Loans [Abstract]
Total loans	0		446
Consumer [Member]
Loans [Abstract]
Total loans	145,222		133,444
Less: Allowance for loan losses	(1,215)	$ (1,206)	(1,384)	$ (1,454)	$ (1,433)	$ (1,473)
Consumer [Member] | Automobile [Member]
Loans [Abstract]
Total loans	54,409		48,206
Consumer [Member] | Home Equity [Member]
Loans [Abstract]
Total loans	26,755		22,375
Consumer [Member] | Other [Member]
Loans [Abstract]
Total loans	$ 64,058		$ 62,863

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, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance	$ 5,214	$ 6,799	$ 6,483	$ 7,160
Provision for (recovery of) loan losses	(378)	(93)	(691)	(118)
Loans charged-off	(339)	(417)	(1,717)	(1,165)
Recoveries	314	375	736	787
Ending balance	4,811	6,664	4,811	6,664
Residential Real Estate [Member]
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance	614	1,088	980	1,480
Provision for (recovery of) loan losses	(189)	(34)	(545)	(443)
Loans charged-off	(57)	(49)	(99)	(75)
Recoveries	55	40	87	83
Ending balance	423	1,045	423	1,045
Commercial Real Estate [Member]
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance	1,846	2,532	2,548	2,431
Provision for (recovery of) loan losses	42	10	(683)	121
Loans charged-off	(20)	(63)	(36)	(115)
Recoveries	29	115	68	157
Ending balance	1,897	2,594	1,897	2,594
Commercial and Industrial [Member]
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance	1,548	1,746	1,571	1,776
Provision for (recovery of) loan losses	(308)	(263)	271	(260)
Loans charged-off	0	(25)	(618)	(96)
Recoveries	36	113	52	151
Ending balance	1,276	1,571	1,276	1,571
Consumer [Member]
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance	1,206	1,433	1,384	1,473
Provision for (recovery of) loan losses	77	194	266	464
Loans charged-off	(262)	(280)	(964)	(879)
Recoveries	194	107	529	396
Ending balance	$ 1,215	$ 1,454	$ 1,215	$ 1,454

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, 2022	Jun. 30, 2022	Dec. 31, 2021	Sep. 30, 2021	Jun. 30, 2021	Dec. 31, 2020
Ending allowance balance attributable to loans [Abstract]
Individually evaluated for impairment	$ 0		$ 10
Collectively evaluated for impairment	4,811		6,473
Total ending allowance balance	4,811	$ 5,214	6,483	$ 6,664	$ 6,799	$ 7,160
Loans [Abstract]
Loans individually evaluated for impairment	2,048		10,023
Loans collectively evaluated for impairment	853,865		821,168
Total ending loans balance	855,913		831,191
Residential Real Estate [Member]
Ending allowance balance attributable to loans [Abstract]
Individually evaluated for impairment	0		0
Collectively evaluated for impairment	423		980
Total ending allowance balance	423	614	980	1,045	1,088	1,480
Loans [Abstract]
Loans individually evaluated for impairment	0		0
Loans collectively evaluated for impairment	272,271		274,425
Total ending loans balance	272,271		274,425
Commercial Real Estate [Member]
Ending allowance balance attributable to loans [Abstract]
Individually evaluated for impairment	0		0
Collectively evaluated for impairment	1,897		2,548
Total ending allowance balance	1,897	1,846	2,548	2,594	2,532	2,431
Loans [Abstract]
Loans individually evaluated for impairment	2,020		5,411
Loans collectively evaluated for impairment	282,983		276,386
Total ending loans balance	285,003		281,797
Commercial and Industrial [Member]
Ending allowance balance attributable to loans [Abstract]
Individually evaluated for impairment	0		10
Collectively evaluated for impairment	1,276		1,561
Total ending allowance balance	1,276	1,548	1,571	1,571	1,746	1,776
Loans [Abstract]
Loans individually evaluated for impairment	0		4,531
Loans collectively evaluated for impairment	153,417		136,994
Total ending loans balance	153,417		141,525
Consumer [Member]
Ending allowance balance attributable to loans [Abstract]
Individually evaluated for impairment	0		0
Collectively evaluated for impairment	1,215		1,384
Total ending allowance balance	1,215	$ 1,206	1,384	$ 1,454	$ 1,433	$ 1,473
Loans [Abstract]
Loans individually evaluated for impairment	28		81
Loans collectively evaluated for impairment	145,194		133,363
Total ending loans balance	$ 145,222		$ 133,444

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, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021	Dec. 31, 2021
With an allowance recorded [Abstract]
Unpaid principal balance	$ 0		$ 0
Recorded investment	0		0		$ 1,993
Total [Abstract]
Unpaid principal balance	2,111		2,111		10,048
Recorded investment	2,048		2,048		10,023
Allowance for Loan Losses Allocated	0		0		10
Impaired loans [Abstract]
Average impaired loans - with an allowance recorded	0		0
Interest income recognized - with an allowance recorded	0		0
Cash basis interest recognized - with an allowance recorded	0		0
Average impaired loans	2,045	$ 8,769	2,080	$ 9,239
Interest income recognized	27	194	89	464
Cash basis interest recognized	27	194	89	464
Commercial Real Estate [Member] | Owner-occupied [Member]
With no related allowance recorded [Abstract]
Unpaid principal balance	1,703		1,703		5,052
Recorded investment	1,640		1,640		5,027
Impaired loans [Abstract]
Average impaired loans - with no allowance recorded	1,650	5,128	1,676	5,183
Interest income recognized - with no allowance recorded	18	74	66	239
Cash basis interest recognized - with no allowance recorded	18	74	66	239
Commercial Real Estate [Member] | Nonowner-occupied [Member]
With no related allowance recorded [Abstract]
Unpaid principal balance	380		380		384
Recorded investment	380		380		384
Impaired loans [Abstract]
Average impaired loans - with no allowance recorded	381	386	382	388
Interest income recognized - with no allowance recorded	8	7	22	21
Cash basis interest recognized - with no allowance recorded	8	7	22	21
Commercial and Industrial [Member]
With an allowance recorded [Abstract]
Unpaid principal balance					1,993
Recorded investment					1,993
With no related allowance recorded [Abstract]
Unpaid principal balance					2,538
Recorded investment					2,538
Total [Abstract]
Allowance for Loan Losses Allocated					10
Impaired loans [Abstract]
Average impaired loans - with no allowance recorded		3,174		3,586
Interest income recognized - with no allowance recorded		111		200
Cash basis interest recognized - with no allowance recorded		111		200
Consumer [Member] | Home Equity [Member]
With no related allowance recorded [Abstract]
Unpaid principal balance	28		28		31
Recorded investment	28		28		31
Impaired loans [Abstract]
Average impaired loans - with no allowance recorded	14	32	22	33
Interest income recognized - with no allowance recorded	1	1	1	2
Cash basis interest recognized - with no allowance recorded	$ 1	1	$ 1	2
Consumer [Member] | Other [Member]
With no related allowance recorded [Abstract]
Unpaid principal balance					50
Recorded investment					$ 50
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, 2022	Dec. 31, 2021
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	$ 886	$ 290
Nonaccrual	3,055	4,346
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	15	15
Mortgage loans in process of foreclosure	459	316
Loans past due 90 days and still accruing	203	10
Nonaccrual	1,531	2,683
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	981	1,055
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	72	0
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	15	146
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	148	65
Nonaccrual	149	150
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	65	55
Nonaccrual	105	147
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	127	148
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	470	160
Nonaccrual	$ 75	$ 17

LOANS AND ALLOWANCE FOR LOAN _8

LOANS AND ALLOWANCE FOR LOAN LOSSES, Past Due Loans (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total loans balance	$ 855,913	$ 831,191
Residential Real Estate [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total loans balance	272,271	274,425
Commercial Real Estate [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total loans balance	285,003	281,797
Commercial Real Estate [Member] | Owner-occupied [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total loans balance	70,623	71,979
Commercial Real Estate [Member] | Nonowner-occupied [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total loans balance	173,116	176,100
Commercial Real Estate [Member] | Construction [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total loans balance	41,264	33,718
Commercial and Industrial [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total loans balance	153,417	141,525
Consumer [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total loans balance	145,222	133,444
Consumer [Member] | Automobile [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total loans balance	54,409	48,206
Consumer [Member] | Home Equity [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total loans balance	26,755	22,375
Consumer [Member] | Other [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total loans balance	64,058	62,863
Total Past Due [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total loans balance	7,157	8,365
Total Past Due [Member] | Residential Real Estate [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total loans balance	3,045	4,347
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	1,169	1,048
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	15	100
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	34	122
Total Past Due [Member] | Commercial and Industrial [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total loans balance	393	792
Total Past Due [Member] | Consumer [Member] | Automobile [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total loans balance	1,073	998
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	162	247
Total Past Due [Member] | Consumer [Member] | Other [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total loans balance	1,266	711
30 to 59 Days Past Due [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total loans balance	3,020	4,848
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	1,514	2,208
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	188	895
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	9	100
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	34	36
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	96	517
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	760	656
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	35	35
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	384	401
60 to 89 Days Past Due [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total loans balance	1,437	1,777
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	907	1,218
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	0
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	6	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	53
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	60
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	156	148
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	0	165
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	368	133
90 Days or More Past Due [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total loans balance	2,700	1,740
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	624	921
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	981	153
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	0	0
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	0	33
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	297	215
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	157	194
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	127	47
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	514	177
Loans Not Past Due [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total loans balance	848,756	822,826
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	269,226	270,078
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	69,454	70,931
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	173,101	176,000
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	41,230	33,596
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	153,024	140,733
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	53,336	47,208
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	26,593	22,128
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	$ 62,792	$ 62,152

LOANS AND ALLOWANCE FOR LOAN _9

LOANS AND ALLOWANCE FOR LOAN LOSSES, TDR Loan Modifications (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
Troubled Debt Restructuring Loan Modifications [Abstract]
Troubled Debt Restructuring	$ 1,163	$ 4,784
Specific allocations in reserves to customers	0	0
Commitments to lend additional amounts to customers	0	3,199
Commercial Real Estate [Member] | Owner-occupied [Member] | Reduction of Principal and Interest Payments [Member]
Troubled Debt Restructuring Loan Modifications [Abstract]
Troubled Debt Restructuring	419	1,455
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		268
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	364	375
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	380	385
Commercial and Industrial [Member] | Interest Only Payments [Member]
Troubled Debt Restructuring Loan Modifications [Abstract]
Troubled Debt Restructuring		2,301
Performing to Modified Terms [Member]
Troubled Debt Restructuring Loan Modifications [Abstract]
Troubled Debt Restructuring	1,163	4,784
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	419	1,455
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		268
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	364	375
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	380	385
Performing to Modified Terms [Member] | Commercial and Industrial [Member] | Interest Only Payments [Member]
Troubled Debt Restructuring Loan Modifications [Abstract]
Troubled Debt Restructuring		2,301
Not Performing to Modified Terms [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] | 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
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

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, 2022 USD ($) Loan	Sep. 30, 2021 Loan	Sep. 30, 2022 USD ($) Loan	Sep. 30, 2021 Loan	Dec. 31, 2021 USD ($)
Troubled Debt Restructuring Loan Modifications [Abstract]
Number of loan modifications | Loan	0	0	0	0
Aggregate loan balances	$ 851,102		$ 851,102		$ 824,708
CARES Act [Member]
Troubled Debt Restructuring Loan Modifications [Abstract]
Total number of loans modified related to COVID 19 | Loan			521
Total Loans Modified, Non-trouble Debt Restructuring	97,236		$ 97,236
Number of remaining loans modified related to COVID 19 | Loan			11
Aggregate loan balances	120		$ 120
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, 2022	Dec. 31, 2021
Loans Receivable [Abstract]
Loans receivable	$ 855,913	$ 831,191
Commercial Real Estate [Member]
Loans Receivable [Abstract]
Loans receivable	285,003	281,797
Commercial Real Estate [Member] | Owner-occupied [Member]
Loans Receivable [Abstract]
Loans receivable	70,623	71,979
Commercial Real Estate [Member] | Nonowner-occupied [Member]
Loans Receivable [Abstract]
Loans receivable	173,116	176,100
Commercial Real Estate [Member] | Construction [Member]
Loans Receivable [Abstract]
Loans receivable	41,264	33,718
Commercial and Industrial [Member]
Loans Receivable [Abstract]
Loans receivable	153,417	141,525
Commercial [Member]
Loans Receivable [Abstract]
Loans receivable	438,420	423,322
Pass [Member] | Commercial Real Estate [Member] | Owner-occupied [Member]
Loans Receivable [Abstract]
Loans receivable	67,110	66,999
Pass [Member] | Commercial Real Estate [Member] | Nonowner-occupied [Member]
Loans Receivable [Abstract]
Loans receivable	172,926	175,901
Pass [Member] | Commercial Real Estate [Member] | Construction [Member]
Loans Receivable [Abstract]
Loans receivable	41,202	33,685
Pass [Member] | Commercial and Industrial [Member]
Loans Receivable [Abstract]
Loans receivable	151,371	134,983
Pass [Member] | Commercial [Member]
Loans Receivable [Abstract]
Loans receivable	432,609	411,568
Criticized [Member] | Commercial Real Estate [Member] | Owner-occupied [Member]
Loans Receivable [Abstract]
Loans receivable	2,532	618
Criticized [Member] | Commercial Real Estate [Member] | Nonowner-occupied [Member]
Loans Receivable [Abstract]
Loans receivable	0	0
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	276	1,862
Criticized [Member] | Commercial [Member]
Loans Receivable [Abstract]
Loans receivable	2,808	2,480
Classified [Member] | Commercial Real Estate [Member] | Owner-occupied [Member]
Loans Receivable [Abstract]
Loans receivable	981	4,362
Classified [Member] | Commercial Real Estate [Member] | Nonowner-occupied [Member]
Loans Receivable [Abstract]
Loans receivable	190	199
Classified [Member] | Commercial Real Estate [Member] | Construction [Member]
Loans Receivable [Abstract]
Loans receivable	62	33
Classified [Member] | Commercial and Industrial [Member]
Loans Receivable [Abstract]
Loans receivable	1,770	4,680
Classified [Member] | Commercial [Member]
Loans Receivable [Abstract]
Loans receivable	$ 3,003	$ 9,274

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, 2022	Dec. 31, 2021
Loans Receivable [Abstract]
Loans receivable	$ 855,913	$ 831,191
Percentage of unsecured loans	4.76%	4.45%
Consumer [Member]
Loans Receivable [Abstract]
Loans receivable	$ 145,222	$ 133,444
Consumer [Member] | Automobile [Member]
Loans Receivable [Abstract]
Loans receivable	54,409	48,206
Consumer [Member] | Home Equity [Member]
Loans Receivable [Abstract]
Loans receivable	26,755	22,375
Consumer [Member] | Other [Member]
Loans Receivable [Abstract]
Loans receivable	64,058	62,863
Residential Real Estate [Member]
Loans Receivable [Abstract]
Loans receivable	272,271	274,425
Consumer and Residential [Member]
Loans Receivable [Abstract]
Loans receivable	417,493	407,869
Performing [Member] | Consumer [Member] | Automobile [Member]
Loans Receivable [Abstract]
Loans receivable	54,239	48,004
Performing [Member] | Consumer [Member] | Home Equity [Member]
Loans Receivable [Abstract]
Loans receivable	26,628	22,227
Performing [Member] | Consumer [Member] | Other [Member]
Loans Receivable [Abstract]
Loans receivable	63,513	62,686
Performing [Member] | Residential Real Estate [Member]
Loans Receivable [Abstract]
Loans receivable	270,537	271,732
Performing [Member] | Consumer and Residential [Member]
Loans Receivable [Abstract]
Loans receivable	414,917	404,649
Nonperforming [Member] | Consumer [Member] | Automobile [Member]
Loans Receivable [Abstract]
Loans receivable	170	202
Nonperforming [Member] | Consumer [Member] | Home Equity [Member]
Loans Receivable [Abstract]
Loans receivable	127	148
Nonperforming [Member] | Consumer [Member] | Other [Member]
Loans Receivable [Abstract]
Loans receivable	545	177
Nonperforming [Member] | Residential Real Estate [Member]
Loans Receivable [Abstract]
Loans receivable	1,734	2,693
Nonperforming [Member] | Consumer and Residential [Member]
Loans Receivable [Abstract]
Loans receivable	$ 2,576	$ 3,220

FINANCIAL INSTRUMENTS WITH OF_2

FINANCIAL INSTRUMENTS WITH OFF-BALANCE SHEET RISK (Details) - USD ($) $ in Thousands	9 Months Ended	12 Months Ended
	Sep. 30, 2022	Dec. 31, 2021
FINANCIAL INSTRUMENTS WITH OFF-BALANCE SHEET RISK [Abstract]
Contract amounts	$ 101,706	$ 89,602

OTHER BORROWED FUNDS (Details)

OTHER BORROWED FUNDS (Details) $ in Thousands	9 Months Ended
	Sep. 30, 2022 USD ($) Promissorynote	Dec. 31, 2021 USD ($)
Other Borrowed Funds [Abstract]
Other borrowed funds	$ 18,085	$ 19,614
FHLB Advances - variable rate loans	0
Cash management advances, maximum borrowing amount	$ 96,813
Cash management advances, maturity period	90 days
Cash management advances, available borrowing amount	$ 100,000
Number of promissory notes payable to related parties | Promissorynote	6
Scheduled Repayments of FHLB Advances [Abstract]
2022	$ 1,110
2023	3,392
2024	1,693
2025	1,560
2026	1,434
Thereafter	8,896
Other borrowings	$ 18,085	$ 19,614
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	2.97%
Weighted Average [Member]
Other Borrowed Funds [Abstract]
Fixed-rate FHLB advances interest rate	2.35%	2.39%
Mortgage Loans [Member]
Other Borrowed Funds [Abstract]
Collateral pledged for FHLB Advances	$ 265,986
Commercial Loans [Member]
Other Borrowed Funds [Abstract]
Collateral pledged for FHLB Advances	30,420
FHLB Stock [Member]
Other Borrowed Funds [Abstract]
Collateral pledged for FHLB Advances	3,813
Cash management advances, maximum borrowing amount	183,760
Cash management advances, available borrowing amount	96,813
FHLB Borrowings [Member]
Other Borrowed Funds [Abstract]
Other borrowed funds	15,947	$ 17,476
Scheduled Repayments of FHLB Advances [Abstract]
2022	580
2023	1,784
2024	1,693
2025	1,560
2026	1,434
Thereafter	8,896
Other borrowings	15,947	17,476
Promissory Notes [Member]
Other Borrowed Funds [Abstract]
Other borrowed funds	$ 2,138	2,138
Maturity date of promissory notes issued	Apr. 13, 2023
Notes payable to related parties	$ 2,138
Notes payable to other banks	0	0
Scheduled Repayments of FHLB Advances [Abstract]
2022	530
2023	1,608
2024	0
2025	0
2026	0
Thereafter	0
Other borrowings	$ 2,138	$ 2,138
Promissory Notes [Member] | Minimum [Member]
Other Borrowed Funds [Abstract]
Interest rate	1.25%
Promissory Notes [Member] | Maximum [Member]
Other Borrowed Funds [Abstract]
Interest rate	1.30%
Promissory Notes [Member] | Weighted Average [Member]
Other Borrowed Funds [Abstract]
Interest rate	1.25%	1.23%
FHLB Line of Credit [Member]
Other Borrowed Funds [Abstract]
Letter of credit issued	$ 71,000	$ 68,380

SEGMENT INFORMATION (Details)

SEGMENT INFORMATION (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021	Dec. 31, 2021
Segment Information [Abstract]
Net interest income	$ 11,845	$ 10,359	$ 32,388	$ 30,622
Provision for loan losses	(378)	(93)	(691)	(118)
Noninterest income	2,615	2,612	8,971	8,457
Noninterest expense	10,347	9,469	30,158	27,953
Provision for income taxes	801	559	2,078	1,816
Net income	3,690	3,036	9,814	9,428
Assets	1,252,474	1,245,378	1,252,474	1,245,378	$ 1,249,769
Banking [Member]
Segment Information [Abstract]
Net interest income	11,299	9,843	30,791	29,124
Provision for loan losses	(400)	(100)	(700)	(150)
Noninterest income	2,573	2,582	7,987	7,474
Noninterest expense	9,743	8,861	28,296	26,095
Provision for income taxes	809	574	1,930	1,693
Net income	3,720	3,090	9,252	8,960
Assets	$ 1,238,597	$ 1,232,353	1,238,597	1,232,353
Banking [Member] | Revenues [Member] | Customer Concentration Risk [Member]
Segment Information [Abstract]
Concentration percentage	94%	94%
Consumer Finance [Member]
Segment Information [Abstract]
Net interest income	$ 546	$ 516	1,597	1,498
Provision for loan losses	22	7	9	32
Noninterest income	42	30	984	983
Noninterest expense	604	608	1,862	1,858
Provision for income taxes	(8)	(15)	148	123
Net income	(30)	(54)	562	468
Assets	$ 13,877	$ 13,025	$ 13,877	$ 13,025

LEASES, Balance Sheet Informati

LEASES, Balance Sheet Information (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
Balance Sheet Information Related to Leases [Abstract]
Operating lease right-of-use assets	$ 1,170	$ 1,195
Operating lease liabilities	$ 1,170	$ 1,195
Minimum [Member]
Lessee, Operating Lease, Description [Abstract]
Operating lease term	7 months
Maximum [Member]
Lessee, Operating Lease, Description [Abstract]
Operating lease term	19 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, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Lease, Cost [Abstract]
Operating lease cost	$ 51	$ 41	$ 135	$ 119
Short-term lease expense	$ 10	$ 8	$ 28	$ 24

LEASES, Maturities of Lease Lia

LEASES, Maturities of Lease Liabilities (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
LEASES [Abstract]
2022 (remaining)	$ 49
2023	153
2024	133
2025	133
2026	119
Thereafter	866
Total lease payments	1,453
Less: Imputed Interest	(283)
Total operating leases	$ 1,170	$ 1,195

LEASES, Other Information (Deta

LEASES, Other Information (Details)	Sep. 30, 2022	Dec. 31, 2021
Other Information [Abstract]
Weighted-average remaining lease term for operating leases	12 years 7 months 6 days	13 years 8 months 12 days
Weighted-average discount rate for operating leases	2.36%	2.29%