Ohio Valley Banc (OVBC) 10-Q 15 May 23 2023 Q1 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	3 Months Ended
	Mar. 31, 2023	May 15, 2023
Cover [Abstract]
Document Type	10-Q
Amendment Flag	false
Document Quarterly Report	true
Document Period End Date	Mar. 31, 2023
Current Fiscal Year End Date	--12-31
Document Fiscal Year Focus	2023
Document Fiscal Period Focus	Q1
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		4,776,520

CONSOLIDATED BALANCE SHEETS (UN

CONSOLIDATED BALANCE SHEETS (UNAUDITED) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
ASSETS
Cash and noninterest-bearing deposits with banks	$ 15,506	$ 14,330
Interest-bearing deposits with banks	74,342	31,660
Total cash and cash equivalents	89,848	45,990
Certificates of deposit in financial institutions	735	1,862
Securities available for sale	179,753	184,074
Securities held to maturity, net of allowance for credit losses of $3 in 2023 and $0 in 2022; (estimated fair value: 2023 - $8,398; 2022 - $8,460)	9,001	9,226
Restricted investments in bank stocks	4,093	5,953
Total loans	906,313	885,049
Less: Allowance for credit losses	(7,607)	(5,269)
Net loans	898,706	879,780
Premises and equipment, net	20,488	20,436
Premises and equipment held for sale, net	588	593
Accrued interest receivable	3,225	3,112
Goodwill	7,319	7,319
Other intangible assets, net	23	29
Bank owned life insurance and annuity assets	39,834	39,627
Operating lease right-of-use asset, net	1,246	1,294
Deferred tax assets	6,160	6,266
Other assets	5,446	5,226
Total assets	1,266,465	1,210,787
LIABILITIES
Noninterest-bearing deposits	339,594	354,413
Interest-bearing deposits	741,601	673,242
Total deposits	1,081,195	1,027,655
Other borrowed funds	17,330	17,945
Subordinated debentures	8,500	8,500
Operating lease liability	1,246	1,294
Allowance for credit losses on off-balance sheet commitments	655	0
Other liabilities	19,994	20,365
Total liabilities	1,128,920	1,075,759
COMMITMENTS AND CONTINGENT LIABILITIES (See Note 5)
SHAREHOLDERS' EQUITY
Common stock ($1.00 stated value per share, 10,000,000 shares authorized; 2023 - 5,470,453 shares issued; 2022 - 5,465,707 shares issued)	5,470	5,465
Additional paid-in capital	51,842	51,722
Retained earnings	110,017	109,320
Accumulated other comprehensive income (loss)	(13,118)	(14,813)
Treasury stock, at cost (693,933 shares)	(16,666)	(16,666)
Total shareholders' equity	137,545	135,028
Total liabilities and shareholders' equity	$ 1,266,465	$ 1,210,787

CONSOLIDATED BALANCE SHEETS (_2

CONSOLIDATED BALANCE SHEETS (UNAUDITED) (Parenthetical) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
ASSETS
Securities held to maturity, net of allowance for credit losses	$ 3	$ 0
Securities held to maturity, fair value	$ 8,398	$ 8,460
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)	5,470,453	5,465,707
Treasury stock, shares (in shares)	693,933	693,933

CONSOLIDATED STATEMENTS OF INCO

CONSOLIDATED STATEMENTS OF INCOME (UNAUDITED) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Interest and dividend income:
Loans, including fees	$ 12,276	$ 9,798
Securities
Taxable	958	695
Tax exempt	42	47
Dividends	90	58
Interest-bearing deposits with banks	426	54
Other Interest	2	5
Total interest and dividend income	13,794	10,657
Interest expense:
Deposits	1,832	519
Other borrowed funds	102	106
Subordinated debentures	138	42
Total interest expense	2,072	667
Net interest income	11,722	9,990
Provision for (recovery of) credit losses	489	(1,126)
Net interest income after provision for (recovery of) credit losses	11,233	11,116
Noninterest income:
Service charges on deposit accounts	611	558
Trust fees	86	81
Income from bank owned life insurance and annuity assets	207	274
Mortgage banking income	47	235
Electronic refund check / deposit fees	540	540
Debit / credit card interchange income	1,173	1,135
Tax preparation fees	631	688
Other	472	209
Total noninterest income	3,767	3,720
Noninterest expense:
Salaries and employee benefits	5,884	5,570
Occupancy	462	478
Furniture and equipment	298	266
Professional fees	433	489
Marketing expense	241	229
FDIC insurance	138	82
Data processing	720	672
Software	562	503
Foreclosed assets	2	1
Amortization of intangibles	7	10
Other	1,525	1,488
Total noninterest expense	10,272	9,788
Income before income taxes	4,728	5,048
Provision for income taxes	820	923
NET INCOME	$ 3,908	$ 4,125
Earnings per share (in dollars per share)	$ 0.82	$ 0.87

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (UNAUDITED) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (UNAUDITED) [Abstract]
Net Income	$ 3,908	$ 4,125
Other comprehensive income (loss):
Change in unrealized gain (loss) on available for sale securities	2,145	(10,692)
Related tax (expense) benefit	(450)	2,245
Total other comprehensive (loss), net of tax	1,695	(8,447)
Total comprehensive income (loss)	$ 5,603	$ (4,322)

CONSOLIDATED STATEMENTS OF CHAN

CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY (UNAUDITED) - USD ($) $ in Thousands	Common Stock [Member]	Common Stock [Member] Accounting Standards Update 2016-13 [Member]	Common Stock [Member] Accounting Standards Update 2016-13 [Member] Revision of Prior Period, Adjustment [Member]	Additional Paid-in Capital [Member]	Additional Paid-in Capital [Member] Accounting Standards Update 2016-13 [Member]	Additional Paid-in Capital [Member] Accounting Standards Update 2016-13 [Member] Revision of Prior Period, Adjustment [Member]	Retained Earnings [Member]	Retained Earnings [Member] Accounting Standards Update 2016-13 [Member]	Retained Earnings [Member] Accounting Standards Update 2016-13 [Member] Revision of Prior Period, Adjustment [Member]	Accumulated Other Comprehensive Income (Loss) [Member]	Accumulated Other Comprehensive Income (Loss) [Member] Accounting Standards Update 2016-13 [Member]	Accumulated Other Comprehensive Income (Loss) [Member] Accounting Standards Update 2016-13 [Member] Revision of Prior Period, Adjustment [Member]	Treasury Stock [Member]	Treasury Stock [Member] Accounting Standards Update 2016-13 [Member]	Treasury Stock [Member] Accounting Standards Update 2016-13 [Member] Revision of Prior Period, Adjustment [Member]	Total	Accounting Standards Update 2016-13 [Member]	Accounting Standards Update 2016-13 [Member] Revision of Prior Period, Adjustment [Member]
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			4,125			0			0			4,125
Other comprehensive loss, net	0			0			0			(8,447)			0			(8,447)
Cash dividends	0			0			(998)			0			0			(998)
Common stock issued to ESOP	18			557			0			0			0			575
Balance, End of Period at Mar. 31, 2022	5,465			51,722			103,829			(7,739)			(16,666)			136,611
Balance, Beginning of period at Dec. 31, 2022	5,465	$ 5,465	$ 0	51,722	$ 51,722	$ 0	109,320	$ 107,111	$ (2,209)	(14,813)	$ (14,813)	$ 0	(16,666)	$ (16,666)	$ 0	135,028	$ 132,819	$ (2,209)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net Income	0			0			3,908			0			0			3,908
Other comprehensive loss, net	0			0			0			1,695			0			1,695
Cash dividends	0			0			(1,002)			0			0			(1,002)
Common stock issued to ESOP	5			120			0			0			0			125
Balance, End of Period at Mar. 31, 2023	$ 5,470			$ 51,842			$ 110,017			$ (13,118)			$ (16,666)			$ 137,545

CONSOLIDATED STATEMENTS OF CH_2

CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY (UNAUDITED) (Parenthetical) - $ / shares	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY (UNAUDITED) [Abstract]
Cash dividends, per share (in dollars per share)	$ 0.21	$ 0.21
Common stock issued to ESOP, shares (in shares)	4,746	18,522

CONDENSED CONSOLIDATED STATEMEN

CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS (UNAUDITED) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS (UNAUDITED) [Abstract]
Net cash provided by operating activities:	$ 4,225	$ 2,570
Investing activities:
Proceeds from maturities and paydowns of securities available for sale	6,582	6,586
Purchases of securities available for sale	0	(29,583)
Proceeds from calls and maturities of securities held to maturity	217	216
Purchase of securities held to maturity	0	(384)
Proceeds from maturities of certificates of deposit in financial institutions	1,122	200
Redemptions of restricted investments in bank stocks	1,860	0
Net change in loans	(21,641)	19,460
Purchases of premises and equipment	(430)	(202)
Net cash (used in) investing activities	(12,290)	(3,707)
Financing activities:
Change in deposits	53,540	14,510
Cash dividends	(1,002)	(998)
Repayment of Federal Home Loan Bank borrowings	(633)	(685)
Change in other short-term borrowings	18	0
Net cash provided by financing activities	51,923	12,827
Change in cash and cash equivalents	43,858	11,690
Cash and cash equivalents at beginning of period	45,990	152,034
Cash and cash equivalents at end of period	89,848	163,724
Supplemental disclosure:
Cash paid for interest	$ 1,178	$ 706

SUMMARY OF SIGNIFICANT ACCOUNTI

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	3 Months Ended
	Mar. 31, 2023
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 March 31, 2023, and its results of operations and cash flows for the periods presented. The results of operations for the three months ended March 31, 2023, are not necessarily indicative of the operating results to be anticipated for the full fiscal year ending December 31, 2023. 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, 2022, contains consolidated financial statements and related notes which should be read in conjunction with the accompanying consolidated financial statements. The consolidated financial statements for 2022 have been reclassified to conform to the presentation for 2023. These reclassifications had no effect on net income or shareholders’ equity. USE OF ESTIMATES IN THE PREPARATION OF FINANCIAL STATEMENTS: INDUSTRY SEGMENT INFORMATION: ADOPTION OF NEW ACCOUNTING PRONOUNCEMENTS: Financial Instruments - Credit Losses (Topic 326): TDR’s and Vintage Disclosures Effective January 1, 2023, the Company adopted ASU No. 2016-13 Financial Instruments - Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments, the The Company adopted ASC 326 using the modified retrospective method for all financial assets measured at amortized cost and off-balance sheet credit exposures. Results for reporting periods beginning after January 1, 2023 are presented under ASC 326 while prior period amounts continue to be reported in accordance with previously applicable US GAAP. The Company recorded a net decrease to retained earnings of $2,209 as of January 1, 2023 for the cumulative effect of adopting ASC 326. The following table illustrates the transition adjustment of adopting ASC 326: January 1, 2023 As Reported Under ASC 326 Pre-ASC 326 Adoption Impact of ASC 326 Adoption Assets: ACL - HTM debt securities Obligations of states and political subdivisions $ 3 $ — $ 3 ACL - Loans Residential real estate 2,026 681 1,345 Commercial real estate 2,200 2,038 162 Commercial and industrial 1,177 1,293 (116 ) Consumer 2,028 1,257 771 Total ACL - Loans $ 7,431 $ 5,269 $ 2,162 Deferred tax assets $ 6,853 $ 6,266 $ 587 Liabilities: ACL - Off-balance sheet commitments $ 631 $ — $ 631 DEBT SECURITIES: Premium amortization is deducted from, and discount accretion is added to, interest income on securities using the level yield method without anticipating prepayments, except for mortgage-backed securities where prepayments are anticipated. Gains and losses are recognized upon the sale of specific identified securities on the completed trade date. ALLOWANCE FOR CREDIT LOSSES (“ACL”) - AFS SECURITIES: Changes in the ACL are recorded as credit loss expense (or reversal). Losses are charged against the allowance when management believes the uncollectibility of an AFS security is confirmed or when either of the criteria regarding intent or requirement to sell is met. Accrued interest receivable on AFS debt securities totaled $448 at March 31, 2023 and is excluded from the estimate of credit losses. Management classifies the AFS portfolio into the following major security types: U.S. Government securities, U.S. Government sponsored entity securities, and Agency mortgage-backed residential securities. These security types have an explicit government guarantee, and therefore, no ACL is recorded for these securities. As a result, there was no ACL related to AFS debt securities at March 31, 2023. ACL - HTM SECURITIES: in the ACL related to HTM debt securities, LOANS: Interest income is discontinued and the loan moved to non-accrual status when full loan repayment is in doubt, typically when the loan 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. 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 March 31, 2023, there were $124 in loans held for sale by the Bank, as compared to no loans held for sale at December 31, 2022. ACL – LOANS: The ACL is an estimate of expected credit losses, measured over the contractual life of a loan, that considers historical loss experience, current conditions and forecasts of future economic conditions. Determination of an appropriate ACL is inherently subjective and may have significant changes from period to period. The methodology for determining the ACL has two main components: evaluation of expected credit losses for certain groups of loans that share similar risk characteristics and evaluation of loans that do not share risk characteristics with other loans. The ACL is measured on a collective (pool) basis when similar risk characteristics exist. The Company has identified the following portfolio segments and measures the ACL using the following methods: Portfolio Segment Measurement Method Loss Driver Residential real estate Cumulative Undiscounted Expected Loss National Unemployment, National GDP Commercial real estate: Owner-occupied Cumulative Undiscounted Expected Loss National Unemployment, National GDP Nonowner-occupied Cumulative Undiscounted Expected Loss National Unemployment, National GDP Construction Cumulative Undiscounted Expected Loss National Unemployment, National GDP Commercial and industrial Cumulative Undiscounted Expected Loss National Unemployment, National GDP Consumer: Automobile Cumulative Undiscounted Expected Loss National Unemployment Home equity Cumulative Undiscounted Expected Loss National Unemployment Other Cumulative Undiscounted Expected Loss, Remaining Life Method National Unemployment Historical credit loss experience is the basis for the estimation of expected credit losses. We apply historical loss rates to pools of loans with similar risk characteristics. In defining historical loss rates and the prepayment rates and curtailment rates used to determine the expected life of loans, the use of regional and national peer data was used. After consideration of the historic loss calculation, management applies qualitative adjustments to reflect the current conditions and reasonable and supportable forecasts not already reflected in the historical loss information at the balance sheet date. Our reasonable and supportable forecast adjustment is based on the national unemployment rate and the national gross domestic product forecast for the first year. For periods beyond our reasonable and supportable forecast, we revert to historical loss rates utilizing a straight-line method over a two-year reversion period. The qualitative adjustments for current conditions are based upon changes in lending policies and practices, experience and ability of lending staff, quality of the Company’s loan review system, value of underlying collateral, the volume and severity of past due loans, the value of underlying collateral for collateral dependent loans, the existence of and changes in concentrations and other external factors. Each factor is assigned a value to reflect improving, stable, or declining conditions based on management’s best judgment using relevant information available at the time of the evaluation. Expected credit losses are estimated over the contractual term of the loans, adjusted for expected prepayments when appropriate. The contractual term excludes expected extensions, renewals, and modifications unless either of the following applies: management has a reasonable expectation at the reporting date that a troubled debt restructuring will be executed with an individual borrower, or the extension of renewal options are included in the original or modified contract at the reporting date and are not unconditionally cancellable by the Company. The Company has elected to exclude accrued interest receivable from the measurement of its ACL. When a loan is placed on non-accrual status, any outstanding accrued interest is reversed against interest income. Loans that do not share risk characteristics are evaluated on an individual basis. Loans evaluated individually are not also included in the collective evaluation. We evaluate all loans that meet the following criteria: 1) when it is determined that foreclosure is probable; 2) substandard, doubtful and nonperforming loans when repayment is expected to be provided substantially through the operation or sale of the collateral; 3) when it is determined by management that a loan does not share similar risk characteristics with other loans. Specific reserves are established based on the following three acceptable methods for measuring the ACL: 1) the present value of expected future cash flows discounted at the loan’s original effective interest rate; 2) the loan’s observable market price; or 3) the fair value of the collateral when the loan is collateral dependent. Our individual loan evaluations consist primarily of the fair value of collateral method because most of our loans are collateral dependent. Collateral values are discounted to consider disposition costs when appropriate. A specific reserve is established or a charge-off is taken if the fair value of the loan is less than the loan balance. At March 31, 2023, there was $7,607 in the ACL related to loans, with corresponding provision expense of $465 during the first quarter of 2023. The Company’s loan portfolio segments have been identified as follows: Commercial and Industrial, Commercial Real Estate, Residential Real Estate, and Consumer. Commercial and industrial: Commercial real estate: Residential real estate: Consumer: ACL – OFF-BALANCE SHEET CREDIT EXPOSURES: EARNINGS PER SHARE:

FAIR VALUE OF FINANCIAL INSTRUM

FAIR VALUE OF FINANCIAL INSTRUMENTS	3 Months Ended
	Mar. 31, 2023
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: Individually Evaluated Collateral Dependent Loans: In some instances, fair value adjustments can be made based on a quoted price from an observable input, such as a purchase agreement. Such adjustments would be classified as a Level 2 classification. I Other Real Estate Owned: Appraisals for both collateral-dependent 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 that typically approximate 10%. 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 March 31, 2023 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 $ 55,468 $ — $ — U.S. Government sponsored entity securities — 5,940 — Agency mortgage-backed securities, residential — 118,345 — Interest rate swap derivatives — 1,118 — Liabilities: Interest rate swap derivatives — (1,118 ) — Fair Value Measurements at December 31, 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 $ 54,792 $ — $ — U.S. Government sponsored entity securities — 7,983 — Agency mortgage-backed securities, residential — 121,299 — Interest rate swap derivatives — 1,340 — Liabilities: Interest rate swap derivatives — (1,340 ) — There were no transfers between Level 1 and Level 2 during 2023 or 2022. Assets and Liabilities Measured on a Nonrecurring Basis There were no assets or liabilities measured at fair value on a nonrecurring basis at March 31, 2023 and December 31, 2022. There was no other real estate owned that was measured at fair value less costs to sell at March 31, 2023 and December 31, 2022. Furthermore, there were no corresponding write downs during the three months ended March 31, 2023 and 2022. There was no quantitative information about Level 3 fair value measurements for financial instruments measured at fair value on a non-recurring basis at March 31, 2023 and December 31, 2022. The carrying amounts and estimated fair values of financial instruments at March 31, 2023 and December 31, 2022 are as follows: Carrying Fair Value Measurements at March 31, 2023 Using Value Level 1 Level 2 Level 3 Total Financial Assets: Cash and cash equivalents $ 89,848 $ 89,848 $ — $ — $ 89,848 Certificates of deposit in financial institutions 735 — 735 — 735 Securities available for sale 179,753 55,468 124,285 — 179,753 Securities held to maturity 9,001 — 5,074 3,324 8,398 Loans, net 898,706 — — 868,593 868,593 Interest rate swap derivatives 1,118 — 1,118 — 1,118 Accrued interest receivable 3,225 — 520 2,705 3,225 Financial liabilities: Deposits 1,081,195 829,598 250,075 — 1,079,673 Other borrowed funds 17,330 — 15,736 — 15,736 Subordinated debentures 8,500 — 8,500 — 8,500 Interest rate swap derivatives 1,118 — 1,118 — 1,118 Accrued interest payable 1,326 — 1,326 — 1,326 Carrying Fair Value Measurements at December 31, 2022 Using: Value Level 1 Level 2 Level 3 Total Financial Assets: Cash and cash equivalents $ 45,990 $ 45,990 $ — $ — $ 45,990 Certificates of deposit in financial institutions 1,862 — 1,862 — 1,862 Securities available for sale 184,074 54,792 129,282 — 184,074 Securities held to maturity 9,226 — 4,987 3,473 8,460 Loans, net 879,780 — — 846,870 846,870 Interest rate swap derivatives 1,340 — 1,340 — 1,340 Accrued interest receivable 3,112 — 485 2,627 3,112 Financial liabilities: Deposits 1,027,655 875,736 149,974 — 1,025,710 Other borrowed funds 17,945 — 16,364 — 16,364 Subordinated debentures 8,500 — 8,500 — 8,500 Interest rate swap derivatives 1,340 — 1,340 — 1,340 Accrued interest payable 432 1 431 — 432 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	3 Months Ended
	Mar. 31, 2023
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 March 31, 2023 and December 31, 2022 and the corresponding amounts of gross unrealized gains and losses recognized in accumulated other comprehensive (loss) and gross unrecognized gains and losses, and allowance for credit losses: Securities Available for Sale Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Estimated Fair Value March 31 , 2023 U.S. Government securities $ 57,836 $ 5 $ (2,373 ) $ 55,468 U.S. Government sponsored entity securities 6,680 — (740 ) 5,940 Agency mortgage-backed securities, residential 131,843 — (13,498 ) 118,345 Total securities $ 196,359 $ 5 $ (16,611 ) $ 179,753 December 31 , 2022 U.S. Government securities $ 57,698 $ — $ (2,906 ) $ 54,792 U.S. Government sponsored entity securities 8,845 — (862 ) 7,983 Agency mortgage-backed securities, residential 136,282 — (14,983 ) 121,299 Total securities $ 202,825 $ — $ (18,751 ) $ 184,074 Securities Held to Maturity Amortized Cost Gross Unrecognized Gains Gross Unrecognized Losses Estimated Fair Value Allowance for Credit Losses March 31 , 2023 Obligations of states and political subdivisions $ 9,003 $ 29 $ (635 ) $ 8,397 $ (3 ) Agency mortgage-backed securities, residential 1 — — 1 — Total securities $ 9,004 $ 29 $ (635 ) $ 8,398 $ (3 ) December 31 , 2022 Obligations of states and political subdivisions $ 9,225 $ 32 $ (798 ) $ 8,459 Agency mortgage-backed securities, residential 1 — — 1 Total securities $ 9,226 $ 32 $ (798 ) $ 8,460 The amortized cost and estimated fair value of debt securities at March 31, 2023, 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 $ 10,113 $ 9,987 $ 585 $ 585 Due in over one to five years 54,403 51,421 3,899 3,706 Due in over five to ten years — — 2,249 2,075 Due after ten years — — 2,270 2,031 Agency mortgage-backed securities, residential 131,843 118,345 1 1 Total debt securities $ 196,359 $ 179,753 $ 9,004 $ 8,398 There were no sales of securities during the three months ended March 31, 2023 and 2022. Debt securities with a carrying value of approximately $ The following table summarizes debt securities available for sale in an unrealized loss position for which an allowance for credit losses has not been recorded at March 31, 2023 and December 31, 2022, aggregated by major security type and length of time in a continuous unrealized loss position: March 31 2023 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 $ 20,057 $ (257 ) $ 28,420 $ (2,116 ) $ 48,477 $ (2,373 ) U.S. Government sponsored entity securities — — 5,940 (740 ) 5,940 (740 ) Agency mortgage-backed securities, residential 9,941 (490 ) 108,405 (13,008 ) 118,346 (13,498 ) Total available for sale $ 29,998 $ (747 ) $ 142,765 $ (15,864 ) $ 172,763 $ (16,611 ) December 31 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 $ 36,460 $ (977 ) $ 18,332 $ (1,929 ) $ 54,792 $ (2,906 ) U.S. Government sponsored entity securities 2,786 (60 ) 5,197 (802 ) 7,983 (862 ) Agency mortgage-backed securities, residential 71,510 (7,178 ) 49,789 (7,805 ) 121,299 (14,983 ) Total available for sale $ 110,756 $ (8,215 ) $ 73,318 $ (10,536 ) $ 184,074 $ (18,751 ) Management evaluates available for sale debt securities in unrealized positions to determine whether impairment is due to credit-related factors. Consideration is given to (1) the extent to which the fair value is less than cost, (2) the financial condition and near-term prospects of the issuer, and (3) the intent and ability of the Company to retain its investment in the security for a period of time sufficient to allow for any anticipated recovery in fair value. At March 31, 2023, the Company had 99 available for sale debt securities in an unrealized position without an allowance for credit losses, of which were from U.S. Government securities, were from U.S. Government sponsored entity securities, and were from Agency mortgage-backed residential securities. The following table presents the activity in the allowance for credit losses for held to maturity debt securities: Held to Maturity Debt Securities Three months ended March 31, 2023 Allowance for credit losses: Beginning balance $ — Impact of adopting ASC 326 3 Credit loss expense — Allowance for credit losses ending balance $ 3 The Company’s held to maturity securities primarily consist of obligations of states and political subdivisions. 3

LOANS AND ALLOWANCE FOR LOAN LO

LOANS AND ALLOWANCE FOR LOAN LOSSES	3 Months Ended
	Mar. 31, 2023
LOANS AND ALLOWANCE FOR LOAN LOSSES [Abstract]
LOANS AND ALLOWANCE FOR LOAN LOSSES	NOTE 4 – LOANS AND ALLOWANCE FOR CREDIT LOSSES Loans are comprised of the following: March 31, 2023 December 31, 2022 Residential real estate $ 291,048 $ 297,036 Commercial real estate: Owner-occupied 70,636 72,719 Nonowner-occupied 185,272 182,831 Construction 37,437 33,205 Commercial and industrial 157,748 151,232 Consumer: Automobile 58,718 54,837 Home equity 28,522 27,791 Other 76,932 65,398 906,313 885,049 Less: Allowance for credit losses (7,607 ) (5,269 ) Loans, net $ 898,706 $ 879,780 At March 31, 2023 and December 31, 2022, net deferred loan origination costs were $ and $ , respectively. At March 31, 2023 and December 31, 2022, net unamortized loan purchase premiums were $ and $ , 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 March 31, 2023 and December 31, 2022: March 31 ,2023 Loans Past Due 90 Days And Still Accruing Nonaccrual Loans With No ACL Nonaccrual Loans With an ACL Total Nonaccrual Loans Residential real estate $ 53 $ — $ 1,415 $ 1,415 Commercial real estate: Owner-occupied — 810 91 901 Nonowner-occupied — — 69 69 Construction — — 74 74 Commercial and industrial — — 149 149 Consumer: Automobile 14 — 103 103 Home equity — — 150 150 Other 488 — 94 94 Total $ 555 $ 810 $ 2,145 $ 2,955 December 31 , 2022 Loans Past Due 90 Days And Still Accruing Nonaccrual Residential real estate $ 100 $ 1,708 Commercial real estate: Owner-occupied — 938 Nonowner-occupied — 70 Construction — 75 Commercial and industrial — 150 Consumer: Automobile 27 82 Home equity — 151 Other 411 59 Total $ 538 $ 3,233 The Company recognized $20 of interest income in nonaccrual loans during the three months ended March 31, 2023. The following table presents the aging of the recorded investment of past due loans by class of loans as of March 31, 2023 and December 31, 2022: March 31 , 2023 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 $ 1,265 $ 486 $ 499 $ 2,250 $ 288,798 $ 291,048 Commercial real estate: Owner-occupied 90 — 888 978 69,658 70,636 Nonowner-occupied 270 14 69 353 184,919 185,272 Construction 5 8 62 75 37,362 37,437 Commercial and industrial 759 — 149 908 156,840 157,748 Consumer: Automobile 640 137 89 866 57,852 58,718 Home equity 76 — 150 226 28,296 28,522 Other 313 107 556 976 75,956 76,932 Total $ 3,418 $ 752 $ 2,462 $ 6,632 $ 899,681 $ 906,313 December 31 , 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 $ 1,799 $ 701 $ 497 $ 2,997 $ 294,039 $ 297,036 Commercial real estate: Owner-occupied 97 — 938 1,035 71,684 72,719 Nonowner-occupied 626 5 — 631 182,200 182,831 Construction 40 45 17 102 33,103 33,205 Commercial and industrial 21 — 150 171 151,061 151,232 Consumer: Automobile 804 240 97 1,141 53,696 54,837 Home equity 204 — 151 355 27,436 27,791 Other 875 113 452 1,440 63,958 65,398 Total $ 4,466 $ 1,104 $ 2,302 $ 7,872 $ 877,177 $ 885,049 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. As of March 31, 2023 and December 31, 2022, and based on the most recent analysis performed, the risk category of commercial loans by class of loans was as follows: Revolving Loans Term Loans Amortized Cost Basis by Origination Year Amortized March 31, 2023 2023 2022 2021 2020 2019 Prior Cost Basis Total Commercial real estate - Owner-occupied Risk Rating Pass $ — $ 6,914 $ 26,333 $ 6,192 $ 6,637 $ 19,262 $ 1,194 $ 66,532 Special Mention — — 281 — — 821 198 1,300 Substandard — — — — 496 2,008 300 2,804 Doubtful — — — — — — — — Total $ — $ 6,914 $ 26,614 $ 6,192 $ 7,133 $ 22,091 $ 1,692 $ 70,636 Current Period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — Revolving Loans Term Loans Amortized Cost Basis by Origination Year Amortized March 31, 2023 2023 2022 2021 2020 2019 Prior Cost Basis Total Commercial real estate - Nonowner-occupied Risk Rating Pass $ 4,078 $ 30,405 $ 36,372 $ 26,641 $ 15,831 $ 65,173 $ 1,465 $ 179,965 Special Mention — 116 — 3,301 — 1,890 — 5,307 Substandard — — — — — — — — Doubtful — — — — — — — — Total $ 4,078 $ 30,521 $ 36,372 $ 29,942 $ 15,831 $ 67,063 $ 1,465 $ 185,272 Current Period gross charge-offs $ — $ — $ 132 $ — $ — $ — $ — $ 132 Revolving Loans Term Loans Amortized Cost Basis by Origination Year Amortized March 31, 2023 2023 2022 2021 2020 2019 Prior Cost Basis Total Commercial real estate - Construction Risk Rating Pass $ 1,818 $ 25,344 $ 5,541 $ 427 $ 477 $ 3,701 $ 67 $ 37,375 Special Mention — — — — — — — — Substandard — — — — — 62 — 62 Doubtful — — — — — — — — Total $ 1,818 $ 25,344 $ 5,541 $ 427 $ 477 $ 3,763 $ 67 $ 37,437 Current Period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — Revolving Loans Term Loans Amortized Cost Basis by Origination Year Amortized March 31, 2023 2023 2022 2021 2020 2019 Prior Cost Basis Total Commercial and Industrial Risk Rating Pass $ 2,005 $ 32,416 $ 27,566 $ 34,496 $ 639 $ 29,782 $ 27,386 $ 154,290 Special Mention — 125 693 341 — 54 391 1,604 Substandard — — — 1,531 — 323 — 1,854 Doubtful — — — — — — — — Total $ 2,005 $ 32,541 $ 28,259 $ 36,368 $ 639 $ 30,159 $ 27,777 $ 157,748 Current Period gross charge-offs $ — $ — $ — $ — $ — $ — $ 29 $ 29 December 31, 2022 Pass Criticized Classified Total Commercial real estate: Owner-occupied $ 68,236 $ 3,545 $ 938 $ 72,719 Nonowner-occupied 177,479 5,352 — 182,831 Construction 33,143 — 62 33,205 Commercial and industrial 147,627 1,879 1,726 151,232 Total $ 426,485 $ 10,776 $ 2,726 $ 439,987 The Company considers the performance of the loan portfolio and its impact on the allowance for credit losses. 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 March 31, 2023 and December 31,2022: Revolving Loans Term Loans Amortized Cost Basis by Origination Year Amortized March 31, 2023 2023 2022 2021 2020 2019 Prior Cost Basis Total Residential Real Estate: Payment Performance Performing $ 10,669 $ 39,985 $ 54,928 $ 48,103 $ 23,860 $ 103,894 $ 8,141 $ 289,580 Nonperforming — 72 115 8 128 1,145 — 1,468 Total $ 10,669 $ 40,057 $ 55,043 $ 48,111 $ 23,988 $ 105,039 $ 8,141 $ 291,048 Current Period gross charge-offs $ — $ — $ 1 $ — $ — $ 46 $ — $ 47 Revolving Loans Term Loans Amortized Cost Basis by Origination Year Amortized March 31, 2023 2023 2022 2021 2020 2019 Prior Cost Basis Total Consumer - Automobile: Payment Performance Performing $ 8,824 $ 29,154 $ 10,808 $ 5,315 $ 2,353 $ 2,147 $ — $ 58,601 Nonperforming — 30 54 2 21 10 — 117 Total $ 8,824 $ 29,184 $ 10,862 $ 5,317 $ 2,374 $ 2,157 $ — $ 58,718 Current Period gross charge-offs $ — $ 10 $ 58 $ — $ 11 $ 3 $ — $ 82 Revolving Loans Term Loans Amortized Cost Basis by Origination Year Amortized March 31, 2023 2023 2022 2021 2020 2019 Prior Cost Basis Total Consumer - Home Equity: Payment Performance Performing $ — $ — $ — $ 40 $ — $ — $ 28,332 $ 28,372 Nonperforming — — — — — — 150 150 Total $ — $ — $ — $ 40 $ — $ — $ 28,482 $ 28,522 Current Period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — Revolving Loans Term Loans Amortized Cost Basis by Origination Year Amortized March 31, 2023 2023 2022 2021 2020 2019 Prior Cost Basis Total Consumer - Other: Payment Performance Performing $ 5,910 $ 32,497 $ 14,676 $ 6,660 $ 2,172 $ 1,653 $ 12,782 $ 76,350 Nonperforming — 363 98 78 10 33 — 582 Total $ 5,910 $ 32,860 $ 14,774 $ 6,738 $ 2,182 $ 1,686 $ 12,782 $ 76,932 Current Period gross charge-offs $ 61 $ 31 $ 26 $ 8 $ — $ 1 $ 39 $ 166 Consumer December 31, 2022 Automobile Home Equity Other Residential Real Estate Total Performing $ 54,728 $ 27,640 $ 64,928 $ 295,228 $ 442,524 Nonperforming 109 151 470 1,808 2,538 Total $ 54,837 $ 27,791 $ 65,398 $ 297,036 $ 445,062 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 4.61% of total loans were unsecured at March 31, 2023, up from 4.52% at December 31, 2022. Modifications to Borrowers Experiencing Financial Difficulty: Occasionally, the Company modifies loans to borrowers experiencing financial difficulty. These modifications may include 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. All modifications to borrowers experiencing financial difficulty are considered to be impaired. During the three months ended March 31, 2023, the Company experienced no new modifications to borrowers experiencing financial difficulty. The following table presents the activity in the allowance for credit losses by portfolio segment for the three months ended March 31, 2023 and 2022: March 31 , 2023 Residential Real Estate Commercial Real Estate Commercial and Industrial Consumer Total Allowance for credit losses: Beginning balance $ 681 $ 2,038 $ 1,293 $ 1,257 $ 5,269 Impact of adopting ASC 326 1,345 162 (116 ) 771 2,162 Provision for credit losses 39 225 21 180 465 Loans charged-off (47 ) (132 ) (29 ) (248 ) (456 ) Recoveries 13 13 8 133 167 Total ending allowance balance $ 2,031 $ 2,306 $ 1,177 $ 2,093 $ 7,607 March 31 , 2022 Residential Real Estate Commercial Real Estate Commercial and Industrial Consumer Total Allowance for credit losses: Beginning balance $ 980 $ 2,548 $ 1,571 $ 1,384 $ 6,483 Provision for credit losses (279 ) (575 ) (190 ) (82 ) (1,126 ) Loans charged-off (3 ) (1 ) — (330 ) (334 ) Recoveries 16 19 8 202 245 Total ending allowance balance $ 714 $ 1,991 $ 1,389 $ 1,174 $ 5,268 The following table presents the balance in the allowance for credit losses and the recorded investment of loans by portfolio segment and based on impairment method as of December 31, 2022: December 31 , 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 681 2,038 1,293 1,257 5,269 Total ending allowance balance $ 681 $ 2,038 $ 1,293 $ 1,257 $ 5,269 Loans: Loans individually evaluated for impairment $ — $ 1,986 $ — $ 28 $ 2,014 Loans collectively evaluated for impairment 297,036 286,769 151,232 147,998 883,035 Total ending loans balance $ 297,036 $ 288,755 $ 151,232 $ 148,026 $ 885,049 The following table presents the amortized cost basis of collateral dependent loans by class of loans as of March 31, 2023: Collateral Type March 31, 2023 Real Esttate Business Assets Total Commercial real estate: Owner-occupied $ 450 $ 360 $ 810 Consumer: Home equity 27 — 27 Total collateral dependent loans $ 477 $ 360 $ 837 The following tables present information related to loans individually evaluated for impairment by class of loans as of December 31, 2022: December 31 , 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 1,692 1,607 — Nonowner-occupied 379 379 — Consumer: Home equity 28 28 — Total $ 2,099 $ 2,014 $ — The following tables present information related to loans individually evaluated for impairment by class of loans for the three months ended March 31, 2022: Three months ended March 31, 2022 Average Impaired Loans Interest Income Recognized Cash Basis Interest Recognized With an allowance recorded: Commercial and industrial $ 1,862 $ 40 $ 40 With no related allowance recorded: Commercial real estate: Owner-occupied 2,713 39 39 Nonowner-occupied 384 7 7 Commercial and industrial 2,323 23 23 Consumer: Home equity 30 1 1 Total $ 7,312 $ 110 $ 110 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). The Company had no other real estate owned for residential real estate properties at March 31, 2023 and December 31, 2022. In addition, nonaccrual residential mortgage loans that are in the process of foreclosure had a recorded investment of $455 and $370 as of March 31, 2023 and December 31, 2022, respectively.

FINANCIAL INSTRUMENTS WITH OFF-

FINANCIAL INSTRUMENTS WITH OFF-BALANCE SHEET RISK	3 Months Ended
	Mar. 31, 2023
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 March 31, 2023, the contract amounts of these instruments totaled approximately $103,786, compared to $103,413 at December 31, 2022. The Bank estimates expected credit losses over the contractual period in which the Bank is exposed to credit risk via a contractual obligation to extend credit. At March 31, 2023, the estimated ACL related to off-balance sheet commitments was $655, which included $24 in provision expense during the first quarter of 2023. 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	3 Months Ended
	Mar. 31, 2023
OTHER BORROWED FUNDS [Abstract]
OTHER BORROWED FUNDS	NOTE 6 - OTHER BORROWED FUNDS Other borrowed funds at March 31, 2023 and December 31, 2022 are comprised of advances from the Federal Home Loan Bank (“FHLB”) of Cincinnati and promissory notes. FHLB Borrowings Promissory Notes Totals March 31 2023 $ 14,936 $ 2,394 $ 17,330 December 31 2022 $ 15,569 $ 2,376 $ 17,945 Pursuant to collateral agreements with the FHLB, advances are secured by $284,657 in qualifying mortgage loans, $31,519 in commercial loans and $1,953 in FHLB stock at March 31, 2023. Fixed-rate FHLB advances of $14,936 mature through 2042 and have interest rates ranging from 1.53% to 2.97% and a year-to-date weighted average cost of 2.38% at March 31, 2023 and 2.39% at December 31, 2022. There were no variable-rate FHLB borrowings at March 31, 2023. At March 31, 2023, 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 in the next paragraph. 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 March 31, 2023. 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 $188,384 at March 31, 2023. Of this maximum borrowing capacity, the Company had $101,748 available to use as additional borrowings, of which $100,000 could be used for short term, cash management advances, as mentioned above. Promissory notes, issued primarily by Ohio Valley, are due at various dates through a final maturity date of November 18, 2023, and have fixed rates ranging from 1.25% to 4.75% and a year-to-date weighted average cost of 2.30% at March 31, 2023, as compared to 1.35% at December 31, 2022. At March 31, 2023 there were six promissory notes payable by Ohio Valley to related parties totaling $2,394. There were no promissory notes payable to other banks at March 31, 2023 and December 31, 2022, respectively. Letters of credit issued on the Bank’s behalf by the FHLB to collateralize certain public unit deposits as required by law totaled $71,700 at March 31, 2023 and $75,140 at December 31, 2022. Scheduled principal payments as of March 31, 2023: FHLB Borrowings Promissory Notes Totals 2023 $ 1,353 $ 500 $ 1,853 2024 1,693 1,894 3,587 2025 1,560 — 1,560 2026 1,434 — 1,434 2027 1,397 — 1,397 Thereafter 7,499 — 7,499 $ 14,936 $ 2,394 $ 17,330

SEGMENT INFORMATION

SEGMENT INFORMATION	3 Months Ended
	Mar. 31, 2023
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 92.5% and 90.5% of total consolidated revenues for the quarters end March 31, 2023 and 2022, 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. All goodwill is in the banking segment. Information for the Company’s reportable segments is as follows: Three months ended March 31, 2023 Banking Consumer Finance Total Company Net interest income $ 11,184 $ 538 $ 11,722 Provision for (recovery of) credit losses 584 (95 ) 489 Noninterest income 3,000 767 3,767 Noninterest expense 9,596 676 10,272 Provision for income taxes 668 152 820 Net income 3,336 572 3,908 Assets 1,252,673 13,792 1,266,465 Three months ended March 31, 2022 Banking Consumer Finance Total Company Net interest income $ 9,468 $ 522 $ 9,990 Provision for (recovery of) credit losses (1,100 ) (26 ) (1,126 ) Noninterest income 2,891 829 3,720 Noninterest expense 9,094 694 9,788 Provision for income taxes 780 143 923 Net income 3,585 540 4,125 Assets 1,245,025 13,151 1,258,176

LEASES

LEASES	3 Months Ended
	Mar. 31, 2023
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 1 month to 18 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 March 31, 2023 As of December 31, 2022 Operating leases: Operating lease right-of-use assets $ 1,246 $ 1,294 Operating lease liabilities 1,246 1,294 The components of lease cost were as follows: Three months ended March 31, 2023 2022 Operating lease cost $ 51 $ 42 Short-term lease expense — 10 Future undiscounted lease payments for operating leases with initial terms of one year or more as of March 31, 2023 are as follows: Operating Leases 2023 $ 121 2024 154 2025 154 2026 140 2027 129 Thereafter 873 Total lease payments 1,571 Less: Imputed Interest (325 ) Total operating leases $ 1,246 Other information was as follows: As of March 31, 2023 As of December 31, 2022 Weighted-average remaining lease term for operating leases 11.9 years 12.1 years Weighted-average discount rate for operating leases 2.71 % 2.70 %

RISKS AND UNCERTAINTIES

RISKS AND UNCERTAINTIES	3 Months Ended
	Mar. 31, 2023
RISKS AND UNCERTAINTIES [Abstract]
RISKS AND UNCERTAINTIES	NOTE 9 – RISKS AND UNCERTAINTIES Over the past few months, certain banks were placed into receivership by the FDIC and one bank began to voluntarily dissolve. While the U.S. government intervened to cover depositors, even those with balances exceeding FDIC insurance coverage, there can be no guarantee that the same coverage will be applied if there are future bank failures. Management believes that the conditions impacting these banks do not present a significant risk to the Company, and the Company has not been directly impacted by the bank failures. Present economic conditions have caused disruption to the banking system and any additional implications are uncertain. The Company believes that it has sufficient liquid assets and borrowing sources should there be a liquidity need.

SUMMARY OF SIGNIFICANT ACCOUN_2

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies)	3 Months Ended
	Mar. 31, 2023
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 March 31, 2023, and its results of operations and cash flows for the periods presented. The results of operations for the three months ended March 31, 2023, are not necessarily indicative of the operating results to be anticipated for the full fiscal year ending December 31, 2023. 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, 2022, contains consolidated financial statements and related notes which should be read in conjunction with the accompanying consolidated financial statements. The consolidated financial statements for 2022 have been reclassified to conform to the presentation for 2023. 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:
ADOPTION OF NEW ACCOUNTING PRONOUNCEMENTS	ADOPTION OF NEW ACCOUNTING PRONOUNCEMENTS: Financial Instruments - Credit Losses (Topic 326): TDR’s and Vintage Disclosures Effective January 1, 2023, the Company adopted ASU No. 2016-13 Financial Instruments - Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments, the The Company adopted ASC 326 using the modified retrospective method for all financial assets measured at amortized cost and off-balance sheet credit exposures. Results for reporting periods beginning after January 1, 2023 are presented under ASC 326 while prior period amounts continue to be reported in accordance with previously applicable US GAAP. The Company recorded a net decrease to retained earnings of $2,209 as of January 1, 2023 for the cumulative effect of adopting ASC 326. The following table illustrates the transition adjustment of adopting ASC 326: January 1, 2023 As Reported Under ASC 326 Pre-ASC 326 Adoption Impact of ASC 326 Adoption Assets: ACL - HTM debt securities Obligations of states and political subdivisions $ 3 $ — $ 3 ACL - Loans Residential real estate 2,026 681 1,345 Commercial real estate 2,200 2,038 162 Commercial and industrial 1,177 1,293 (116 ) Consumer 2,028 1,257 771 Total ACL - Loans $ 7,431 $ 5,269 $ 2,162 Deferred tax assets $ 6,853 $ 6,266 $ 587 Liabilities: ACL - Off-balance sheet commitments $ 631 $ — $ 631
DEBT SECURITIES	DEBT SECURITIES: Premium amortization is deducted from, and discount accretion is added to, interest income on securities using the level yield method without anticipating prepayments, except for mortgage-backed securities where prepayments are anticipated. Gains and losses are recognized upon the sale of specific identified securities on the completed trade date.
ALLOWANCE FOR CREDIT LOSSES ("ACL") - AFS SECURITIES	ALLOWANCE FOR CREDIT LOSSES (“ACL”) - AFS SECURITIES: Changes in the ACL are recorded as credit loss expense (or reversal). Losses are charged against the allowance when management believes the uncollectibility of an AFS security is confirmed or when either of the criteria regarding intent or requirement to sell is met. Accrued interest receivable on AFS debt securities totaled $448 at March 31, 2023 and is excluded from the estimate of credit losses. Management classifies the AFS portfolio into the following major security types: U.S. Government securities, U.S. Government sponsored entity securities, and Agency mortgage-backed residential securities. These security types have an explicit government guarantee, and therefore, no ACL is recorded for these securities. As a result, there was no ACL related to AFS debt securities at March 31, 2023.
ACL - HTM SECURITIES	ACL - HTM SECURITIES: in the ACL related to HTM debt securities,
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 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. 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 March 31, 2023, there were $124 in loans held for sale by the Bank, as compared to no loans held for sale at December 31, 2022.
ACL - LOANS	ACL – LOANS: The ACL is an estimate of expected credit losses, measured over the contractual life of a loan, that considers historical loss experience, current conditions and forecasts of future economic conditions. Determination of an appropriate ACL is inherently subjective and may have significant changes from period to period. The methodology for determining the ACL has two main components: evaluation of expected credit losses for certain groups of loans that share similar risk characteristics and evaluation of loans that do not share risk characteristics with other loans. The ACL is measured on a collective (pool) basis when similar risk characteristics exist. The Company has identified the following portfolio segments and measures the ACL using the following methods: Portfolio Segment Measurement Method Loss Driver Residential real estate Cumulative Undiscounted Expected Loss National Unemployment, National GDP Commercial real estate: Owner-occupied Cumulative Undiscounted Expected Loss National Unemployment, National GDP Nonowner-occupied Cumulative Undiscounted Expected Loss National Unemployment, National GDP Construction Cumulative Undiscounted Expected Loss National Unemployment, National GDP Commercial and industrial Cumulative Undiscounted Expected Loss National Unemployment, National GDP Consumer: Automobile Cumulative Undiscounted Expected Loss National Unemployment Home equity Cumulative Undiscounted Expected Loss National Unemployment Other Cumulative Undiscounted Expected Loss, Remaining Life Method National Unemployment Historical credit loss experience is the basis for the estimation of expected credit losses. We apply historical loss rates to pools of loans with similar risk characteristics. In defining historical loss rates and the prepayment rates and curtailment rates used to determine the expected life of loans, the use of regional and national peer data was used. After consideration of the historic loss calculation, management applies qualitative adjustments to reflect the current conditions and reasonable and supportable forecasts not already reflected in the historical loss information at the balance sheet date. Our reasonable and supportable forecast adjustment is based on the national unemployment rate and the national gross domestic product forecast for the first year. For periods beyond our reasonable and supportable forecast, we revert to historical loss rates utilizing a straight-line method over a two-year reversion period. The qualitative adjustments for current conditions are based upon changes in lending policies and practices, experience and ability of lending staff, quality of the Company’s loan review system, value of underlying collateral, the volume and severity of past due loans, the value of underlying collateral for collateral dependent loans, the existence of and changes in concentrations and other external factors. Each factor is assigned a value to reflect improving, stable, or declining conditions based on management’s best judgment using relevant information available at the time of the evaluation. Expected credit losses are estimated over the contractual term of the loans, adjusted for expected prepayments when appropriate. The contractual term excludes expected extensions, renewals, and modifications unless either of the following applies: management has a reasonable expectation at the reporting date that a troubled debt restructuring will be executed with an individual borrower, or the extension of renewal options are included in the original or modified contract at the reporting date and are not unconditionally cancellable by the Company. The Company has elected to exclude accrued interest receivable from the measurement of its ACL. When a loan is placed on non-accrual status, any outstanding accrued interest is reversed against interest income. Loans that do not share risk characteristics are evaluated on an individual basis. Loans evaluated individually are not also included in the collective evaluation. We evaluate all loans that meet the following criteria: 1) when it is determined that foreclosure is probable; 2) substandard, doubtful and nonperforming loans when repayment is expected to be provided substantially through the operation or sale of the collateral; 3) when it is determined by management that a loan does not share similar risk characteristics with other loans. Specific reserves are established based on the following three acceptable methods for measuring the ACL: 1) the present value of expected future cash flows discounted at the loan’s original effective interest rate; 2) the loan’s observable market price; or 3) the fair value of the collateral when the loan is collateral dependent. Our individual loan evaluations consist primarily of the fair value of collateral method because most of our loans are collateral dependent. Collateral values are discounted to consider disposition costs when appropriate. A specific reserve is established or a charge-off is taken if the fair value of the loan is less than the loan balance. At March 31, 2023, there was $7,607 in the ACL related to loans, with corresponding provision expense of $465 during the first quarter of 2023. The Company’s loan portfolio segments have been identified as follows: Commercial and Industrial, Commercial Real Estate, Residential Real Estate, and Consumer. Commercial and industrial: Commercial real estate: Residential real estate: Consumer:
ACL - OFF-BALANCE SHEET CREDIT EXPOSURES	ACL – OFF-BALANCE SHEET CREDIT EXPOSURES:
EARNINGS PER SHARE	EARNINGS PER SHARE:

SUMMARY OF SIGNIFICANT ACCOUN_3

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Tables)	3 Months Ended
	Mar. 31, 2023
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]
Transition Adjustment of Adopting ASC 326	The following table illustrates the transition adjustment of adopting ASC 326: January 1, 2023 As Reported Under ASC 326 Pre-ASC 326 Adoption Impact of ASC 326 Adoption Assets: ACL - HTM debt securities Obligations of states and political subdivisions $ 3 $ — $ 3 ACL - Loans Residential real estate 2,026 681 1,345 Commercial real estate 2,200 2,038 162 Commercial and industrial 1,177 1,293 (116 ) Consumer 2,028 1,257 771 Total ACL - Loans $ 7,431 $ 5,269 $ 2,162 Deferred tax assets $ 6,853 $ 6,266 $ 587 Liabilities: ACL - Off-balance sheet commitments $ 631 $ — $ 631

FAIR VALUE OF FINANCIAL INSTR_2

FAIR VALUE OF FINANCIAL INSTRUMENTS (Tables)	3 Months Ended
	Mar. 31, 2023
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 March 31, 2023 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 $ 55,468 $ — $ — U.S. Government sponsored entity securities — 5,940 — Agency mortgage-backed securities, residential — 118,345 — Interest rate swap derivatives — 1,118 — Liabilities: Interest rate swap derivatives — (1,118 ) — Fair Value Measurements at December 31, 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 $ 54,792 $ — $ — U.S. Government sponsored entity securities — 7,983 — Agency mortgage-backed securities, residential — 121,299 — Interest rate swap derivatives — 1,340 — Liabilities: Interest rate swap derivatives — (1,340 ) —
Carrying Amounts and Estimated Fair Values of Financial Instruments	The carrying amounts and estimated fair values of financial instruments at March 31, 2023 and December 31, 2022 are as follows: Carrying Fair Value Measurements at March 31, 2023 Using Value Level 1 Level 2 Level 3 Total Financial Assets: Cash and cash equivalents $ 89,848 $ 89,848 $ — $ — $ 89,848 Certificates of deposit in financial institutions 735 — 735 — 735 Securities available for sale 179,753 55,468 124,285 — 179,753 Securities held to maturity 9,001 — 5,074 3,324 8,398 Loans, net 898,706 — — 868,593 868,593 Interest rate swap derivatives 1,118 — 1,118 — 1,118 Accrued interest receivable 3,225 — 520 2,705 3,225 Financial liabilities: Deposits 1,081,195 829,598 250,075 — 1,079,673 Other borrowed funds 17,330 — 15,736 — 15,736 Subordinated debentures 8,500 — 8,500 — 8,500 Interest rate swap derivatives 1,118 — 1,118 — 1,118 Accrued interest payable 1,326 — 1,326 — 1,326 Carrying Fair Value Measurements at December 31, 2022 Using: Value Level 1 Level 2 Level 3 Total Financial Assets: Cash and cash equivalents $ 45,990 $ 45,990 $ — $ — $ 45,990 Certificates of deposit in financial institutions 1,862 — 1,862 — 1,862 Securities available for sale 184,074 54,792 129,282 — 184,074 Securities held to maturity 9,226 — 4,987 3,473 8,460 Loans, net 879,780 — — 846,870 846,870 Interest rate swap derivatives 1,340 — 1,340 — 1,340 Accrued interest receivable 3,112 — 485 2,627 3,112 Financial liabilities: Deposits 1,027,655 875,736 149,974 — 1,025,710 Other borrowed funds 17,945 — 16,364 — 16,364 Subordinated debentures 8,500 — 8,500 — 8,500 Interest rate swap derivatives 1,340 — 1,340 — 1,340 Accrued interest payable 432 1 431 — 432

SECURITIES (Tables)

SECURITIES (Tables)	3 Months Ended
	Mar. 31, 2023
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 March 31, 2023 and December 31, 2022 and the corresponding amounts of gross unrealized gains and losses recognized in accumulated other comprehensive (loss) and gross unrecognized gains and losses, and allowance for credit losses: Securities Available for Sale Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Estimated Fair Value March 31 , 2023 U.S. Government securities $ 57,836 $ 5 $ (2,373 ) $ 55,468 U.S. Government sponsored entity securities 6,680 — (740 ) 5,940 Agency mortgage-backed securities, residential 131,843 — (13,498 ) 118,345 Total securities $ 196,359 $ 5 $ (16,611 ) $ 179,753 December 31 , 2022 U.S. Government securities $ 57,698 $ — $ (2,906 ) $ 54,792 U.S. Government sponsored entity securities 8,845 — (862 ) 7,983 Agency mortgage-backed securities, residential 136,282 — (14,983 ) 121,299 Total securities $ 202,825 $ — $ (18,751 ) $ 184,074
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 Allowance for Credit Losses March 31 , 2023 Obligations of states and political subdivisions $ 9,003 $ 29 $ (635 ) $ 8,397 $ (3 ) Agency mortgage-backed securities, residential 1 — — 1 — Total securities $ 9,004 $ 29 $ (635 ) $ 8,398 $ (3 ) December 31 , 2022 Obligations of states and political subdivisions $ 9,225 $ 32 $ (798 ) $ 8,459 Agency mortgage-backed securities, residential 1 — — 1 Total securities $ 9,226 $ 32 $ (798 ) $ 8,460
Amortized Cost and Fair Value of Securities by Contractual Maturity	The amortized cost and estimated fair value of debt securities at March 31, 2023, 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 $ 10,113 $ 9,987 $ 585 $ 585 Due in over one to five years 54,403 51,421 3,899 3,706 Due in over five to ten years — — 2,249 2,075 Due after ten years — — 2,270 2,031 Agency mortgage-backed securities, residential 131,843 118,345 1 1 Total debt securities $ 196,359 $ 179,753 $ 9,004 $ 8,398
Securities with Unrealized Losses in Continuous Unrealized Loss Position	The following table summarizes debt securities available for sale in an unrealized loss position for which an allowance for credit losses has not been recorded at March 31, 2023 and December 31, 2022, aggregated by major security type and length of time in a continuous unrealized loss position: March 31 2023 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 $ 20,057 $ (257 ) $ 28,420 $ (2,116 ) $ 48,477 $ (2,373 ) U.S. Government sponsored entity securities — — 5,940 (740 ) 5,940 (740 ) Agency mortgage-backed securities, residential 9,941 (490 ) 108,405 (13,008 ) 118,346 (13,498 ) Total available for sale $ 29,998 $ (747 ) $ 142,765 $ (15,864 ) $ 172,763 $ (16,611 ) December 31 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 $ 36,460 $ (977 ) $ 18,332 $ (1,929 ) $ 54,792 $ (2,906 ) U.S. Government sponsored entity securities 2,786 (60 ) 5,197 (802 ) 7,983 (862 ) Agency mortgage-backed securities, residential 71,510 (7,178 ) 49,789 (7,805 ) 121,299 (14,983 ) Total available for sale $ 110,756 $ (8,215 ) $ 73,318 $ (10,536 ) $ 184,074 $ (18,751 )
Allowance for Credit Losses for Held to Maturity Debt Securities	The following table presents the activity in the allowance for credit losses for held to maturity debt securities: Held to Maturity Debt Securities Three months ended March 31, 2023 Allowance for credit losses: Beginning balance $ — Impact of adopting ASC 326 3 Credit loss expense — Allowance for credit losses ending balance $ 3

LOANS AND ALLOWANCE FOR LOAN _2

LOANS AND ALLOWANCE FOR LOAN LOSSES (Tables)	3 Months Ended
	Mar. 31, 2023
LOANS AND ALLOWANCE FOR LOAN LOSSES [Abstract]
Portfolio Loans	Loans are comprised of the following: March 31, 2023 December 31, 2022 Residential real estate $ 291,048 $ 297,036 Commercial real estate: Owner-occupied 70,636 72,719 Nonowner-occupied 185,272 182,831 Construction 37,437 33,205 Commercial and industrial 157,748 151,232 Consumer: Automobile 58,718 54,837 Home equity 28,522 27,791 Other 76,932 65,398 906,313 885,049 Less: Allowance for credit losses (7,607 ) (5,269 ) Loans, net $ 898,706 $ 879,780
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 March 31, 2023 and December 31, 2022: March 31 ,2023 Loans Past Due 90 Days And Still Accruing Nonaccrual Loans With No ACL Nonaccrual Loans With an ACL Total Nonaccrual Loans Residential real estate $ 53 $ — $ 1,415 $ 1,415 Commercial real estate: Owner-occupied — 810 91 901 Nonowner-occupied — — 69 69 Construction — — 74 74 Commercial and industrial — — 149 149 Consumer: Automobile 14 — 103 103 Home equity — — 150 150 Other 488 — 94 94 Total $ 555 $ 810 $ 2,145 $ 2,955 December 31 , 2022 Loans Past Due 90 Days And Still Accruing Nonaccrual Residential real estate $ 100 $ 1,708 Commercial real estate: Owner-occupied — 938 Nonowner-occupied — 70 Construction — 75 Commercial and industrial — 150 Consumer: Automobile 27 82 Home equity — 151 Other 411 59 Total $ 538 $ 3,233
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 March 31, 2023 and December 31, 2022: March 31 , 2023 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 $ 1,265 $ 486 $ 499 $ 2,250 $ 288,798 $ 291,048 Commercial real estate: Owner-occupied 90 — 888 978 69,658 70,636 Nonowner-occupied 270 14 69 353 184,919 185,272 Construction 5 8 62 75 37,362 37,437 Commercial and industrial 759 — 149 908 156,840 157,748 Consumer: Automobile 640 137 89 866 57,852 58,718 Home equity 76 — 150 226 28,296 28,522 Other 313 107 556 976 75,956 76,932 Total $ 3,418 $ 752 $ 2,462 $ 6,632 $ 899,681 $ 906,313 December 31 , 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 $ 1,799 $ 701 $ 497 $ 2,997 $ 294,039 $ 297,036 Commercial real estate: Owner-occupied 97 — 938 1,035 71,684 72,719 Nonowner-occupied 626 5 — 631 182,200 182,831 Construction 40 45 17 102 33,103 33,205 Commercial and industrial 21 — 150 171 151,061 151,232 Consumer: Automobile 804 240 97 1,141 53,696 54,837 Home equity 204 — 151 355 27,436 27,791 Other 875 113 452 1,440 63,958 65,398 Total $ 4,466 $ 1,104 $ 2,302 $ 7,872 $ 877,177 $ 885,049
Risk Category Loans by Class of Loans	As of March 31, 2023 and December 31, 2022, and based on the most recent analysis performed, the risk category of commercial loans by class of loans was as follows: Revolving Loans Term Loans Amortized Cost Basis by Origination Year Amortized March 31, 2023 2023 2022 2021 2020 2019 Prior Cost Basis Total Commercial real estate - Owner-occupied Risk Rating Pass $ — $ 6,914 $ 26,333 $ 6,192 $ 6,637 $ 19,262 $ 1,194 $ 66,532 Special Mention — — 281 — — 821 198 1,300 Substandard — — — — 496 2,008 300 2,804 Doubtful — — — — — — — — Total $ — $ 6,914 $ 26,614 $ 6,192 $ 7,133 $ 22,091 $ 1,692 $ 70,636 Current Period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — Revolving Loans Term Loans Amortized Cost Basis by Origination Year Amortized March 31, 2023 2023 2022 2021 2020 2019 Prior Cost Basis Total Commercial real estate - Nonowner-occupied Risk Rating Pass $ 4,078 $ 30,405 $ 36,372 $ 26,641 $ 15,831 $ 65,173 $ 1,465 $ 179,965 Special Mention — 116 — 3,301 — 1,890 — 5,307 Substandard — — — — — — — — Doubtful — — — — — — — — Total $ 4,078 $ 30,521 $ 36,372 $ 29,942 $ 15,831 $ 67,063 $ 1,465 $ 185,272 Current Period gross charge-offs $ — $ — $ 132 $ — $ — $ — $ — $ 132 Revolving Loans Term Loans Amortized Cost Basis by Origination Year Amortized March 31, 2023 2023 2022 2021 2020 2019 Prior Cost Basis Total Commercial real estate - Construction Risk Rating Pass $ 1,818 $ 25,344 $ 5,541 $ 427 $ 477 $ 3,701 $ 67 $ 37,375 Special Mention — — — — — — — — Substandard — — — — — 62 — 62 Doubtful — — — — — — — — Total $ 1,818 $ 25,344 $ 5,541 $ 427 $ 477 $ 3,763 $ 67 $ 37,437 Current Period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — Revolving Loans Term Loans Amortized Cost Basis by Origination Year Amortized March 31, 2023 2023 2022 2021 2020 2019 Prior Cost Basis Total Commercial and Industrial Risk Rating Pass $ 2,005 $ 32,416 $ 27,566 $ 34,496 $ 639 $ 29,782 $ 27,386 $ 154,290 Special Mention — 125 693 341 — 54 391 1,604 Substandard — — — 1,531 — 323 — 1,854 Doubtful — — — — — — — — Total $ 2,005 $ 32,541 $ 28,259 $ 36,368 $ 639 $ 30,159 $ 27,777 $ 157,748 Current Period gross charge-offs $ — $ — $ — $ — $ — $ — $ 29 $ 29 December 31, 2022 Pass Criticized Classified Total Commercial real estate: Owner-occupied $ 68,236 $ 3,545 $ 938 $ 72,719 Nonowner-occupied 177,479 5,352 — 182,831 Construction 33,143 — 62 33,205 Commercial and industrial 147,627 1,879 1,726 151,232 Total $ 426,485 $ 10,776 $ 2,726 $ 439,987
Recorded Investment of Residential and Consumer Loans	The Company considers the performance of the loan portfolio and its impact on the allowance for credit losses. 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 March 31, 2023 and December 31,2022: Revolving Loans Term Loans Amortized Cost Basis by Origination Year Amortized March 31, 2023 2023 2022 2021 2020 2019 Prior Cost Basis Total Residential Real Estate: Payment Performance Performing $ 10,669 $ 39,985 $ 54,928 $ 48,103 $ 23,860 $ 103,894 $ 8,141 $ 289,580 Nonperforming — 72 115 8 128 1,145 — 1,468 Total $ 10,669 $ 40,057 $ 55,043 $ 48,111 $ 23,988 $ 105,039 $ 8,141 $ 291,048 Current Period gross charge-offs $ — $ — $ 1 $ — $ — $ 46 $ — $ 47 Revolving Loans Term Loans Amortized Cost Basis by Origination Year Amortized March 31, 2023 2023 2022 2021 2020 2019 Prior Cost Basis Total Consumer - Automobile: Payment Performance Performing $ 8,824 $ 29,154 $ 10,808 $ 5,315 $ 2,353 $ 2,147 $ — $ 58,601 Nonperforming — 30 54 2 21 10 — 117 Total $ 8,824 $ 29,184 $ 10,862 $ 5,317 $ 2,374 $ 2,157 $ — $ 58,718 Current Period gross charge-offs $ — $ 10 $ 58 $ — $ 11 $ 3 $ — $ 82 Revolving Loans Term Loans Amortized Cost Basis by Origination Year Amortized March 31, 2023 2023 2022 2021 2020 2019 Prior Cost Basis Total Consumer - Home Equity: Payment Performance Performing $ — $ — $ — $ 40 $ — $ — $ 28,332 $ 28,372 Nonperforming — — — — — — 150 150 Total $ — $ — $ — $ 40 $ — $ — $ 28,482 $ 28,522 Current Period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — Revolving Loans Term Loans Amortized Cost Basis by Origination Year Amortized March 31, 2023 2023 2022 2021 2020 2019 Prior Cost Basis Total Consumer - Other: Payment Performance Performing $ 5,910 $ 32,497 $ 14,676 $ 6,660 $ 2,172 $ 1,653 $ 12,782 $ 76,350 Nonperforming — 363 98 78 10 33 — 582 Total $ 5,910 $ 32,860 $ 14,774 $ 6,738 $ 2,182 $ 1,686 $ 12,782 $ 76,932 Current Period gross charge-offs $ 61 $ 31 $ 26 $ 8 $ — $ 1 $ 39 $ 166 Consumer December 31, 2022 Automobile Home Equity Other Residential Real Estate Total Performing $ 54,728 $ 27,640 $ 64,928 $ 295,228 $ 442,524 Nonperforming 109 151 470 1,808 2,538 Total $ 54,837 $ 27,791 $ 65,398 $ 297,036 $ 445,062
Activity in Allowance for Loan Losses by Portfolio Segment	The following table presents the activity in the allowance for credit losses by portfolio segment for the three months ended March 31, 2023 and 2022: March 31 , 2023 Residential Real Estate Commercial Real Estate Commercial and Industrial Consumer Total Allowance for credit losses: Beginning balance $ 681 $ 2,038 $ 1,293 $ 1,257 $ 5,269 Impact of adopting ASC 326 1,345 162 (116 ) 771 2,162 Provision for credit losses 39 225 21 180 465 Loans charged-off (47 ) (132 ) (29 ) (248 ) (456 ) Recoveries 13 13 8 133 167 Total ending allowance balance $ 2,031 $ 2,306 $ 1,177 $ 2,093 $ 7,607 March 31 , 2022 Residential Real Estate Commercial Real Estate Commercial and Industrial Consumer Total Allowance for credit losses: Beginning balance $ 980 $ 2,548 $ 1,571 $ 1,384 $ 6,483 Provision for credit losses (279 ) (575 ) (190 ) (82 ) (1,126 ) Loans charged-off (3 ) (1 ) — (330 ) (334 ) Recoveries 16 19 8 202 245 Total ending allowance balance $ 714 $ 1,991 $ 1,389 $ 1,174 $ 5,268
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 credit losses and the recorded investment of loans by portfolio segment and based on impairment method as of December 31, 2022: December 31 , 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 681 2,038 1,293 1,257 5,269 Total ending allowance balance $ 681 $ 2,038 $ 1,293 $ 1,257 $ 5,269 Loans: Loans individually evaluated for impairment $ — $ 1,986 $ — $ 28 $ 2,014 Loans collectively evaluated for impairment 297,036 286,769 151,232 147,998 883,035 Total ending loans balance $ 297,036 $ 288,755 $ 151,232 $ 148,026 $ 885,049
Amortized Cost of Collateral Dependent Loans, by Class	The following table presents the amortized cost basis of collateral dependent loans by class of loans as of March 31, 2023: Collateral Type March 31, 2023 Real Esttate Business Assets Total Commercial real estate: Owner-occupied $ 450 $ 360 $ 810 Consumer: Home equity 27 — 27 Total collateral dependent loans $ 477 $ 360 $ 837
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 December 31, 2022: December 31 , 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 1,692 1,607 — Nonowner-occupied 379 379 — Consumer: Home equity 28 28 — Total $ 2,099 $ 2,014 $ — The following tables present information related to loans individually evaluated for impairment by class of loans for the three months ended March 31, 2022: Three months ended March 31, 2022 Average Impaired Loans Interest Income Recognized Cash Basis Interest Recognized With an allowance recorded: Commercial and industrial $ 1,862 $ 40 $ 40 With no related allowance recorded: Commercial real estate: Owner-occupied 2,713 39 39 Nonowner-occupied 384 7 7 Commercial and industrial 2,323 23 23 Consumer: Home equity 30 1 1 Total $ 7,312 $ 110 $ 110

OTHER BORROWED FUNDS (Tables)

OTHER BORROWED FUNDS (Tables)	3 Months Ended
	Mar. 31, 2023
OTHER BORROWED FUNDS [Abstract]
Schedule of Federal Home Loan Bank, Advances, by Branch of FHLB Bank	Other borrowed funds at March 31, 2023 and December 31, 2022 are comprised of advances from the Federal Home Loan Bank (“FHLB”) of Cincinnati and promissory notes. FHLB Borrowings Promissory Notes Totals March 31 2023 $ 14,936 $ 2,394 $ 17,330 December 31 2022 $ 15,569 $ 2,376 $ 17,945
Schedule of Maturities of Long-term Debt	Scheduled principal payments as of March 31, 2023: FHLB Borrowings Promissory Notes Totals 2023 $ 1,353 $ 500 $ 1,853 2024 1,693 1,894 3,587 2025 1,560 — 1,560 2026 1,434 — 1,434 2027 1,397 — 1,397 Thereafter 7,499 — 7,499 $ 14,936 $ 2,394 $ 17,330

SEGMENT INFORMATION (Tables)

SEGMENT INFORMATION (Tables)	3 Months Ended
	Mar. 31, 2023
SEGMENT INFORMATION [Abstract]
Segment Information	Information for the Company’s reportable segments is as follows: Three months ended March 31, 2023 Banking Consumer Finance Total Company Net interest income $ 11,184 $ 538 $ 11,722 Provision for (recovery of) credit losses 584 (95 ) 489 Noninterest income 3,000 767 3,767 Noninterest expense 9,596 676 10,272 Provision for income taxes 668 152 820 Net income 3,336 572 3,908 Assets 1,252,673 13,792 1,266,465 Three months ended March 31, 2022 Banking Consumer Finance Total Company Net interest income $ 9,468 $ 522 $ 9,990 Provision for (recovery of) credit losses (1,100 ) (26 ) (1,126 ) Noninterest income 2,891 829 3,720 Noninterest expense 9,094 694 9,788 Provision for income taxes 780 143 923 Net income 3,585 540 4,125 Assets 1,245,025 13,151 1,258,176

LEASES (Tables)

LEASES (Tables)	3 Months Ended
	Mar. 31, 2023
LEASES [Abstract]
Balance Sheet Information	Balance sheet information related to leases is as follows: As of March 31, 2023 As of December 31, 2022 Operating leases: Operating lease right-of-use assets $ 1,246 $ 1,294 Operating lease liabilities 1,246 1,294
Components of Lease Cost	The components of lease cost were as follows: Three months ended March 31, 2023 2022 Operating lease cost $ 51 $ 42 Short-term lease expense — 10
Maturities of Lease Liabilities	Future undiscounted lease payments for operating leases with initial terms of one year or more as of March 31, 2023 are as follows: Operating Leases 2023 $ 121 2024 154 2025 154 2026 140 2027 129 Thereafter 873 Total lease payments 1,571 Less: Imputed Interest (325 ) Total operating leases $ 1,246
Other Information	Other information was as follows: As of March 31, 2023 As of December 31, 2022 Weighted-average remaining lease term for operating leases 11.9 years 12.1 years Weighted-average discount rate for operating leases 2.71 % 2.70 %

SUMMARY OF SIGNIFICANT ACCOUN_4

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES, Basis of Presentation (Details)	Mar. 31, 2023 Subsidiaries
BASIS OF PRESENTATION [Abstract]
Number of subsidiaries	2

SUMMARY OF SIGNIFICANT ACCOUN_5

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES, Industry Segment Information (Details)	3 Months Ended
	Mar. 31, 2023 Segment
INDUSTRY SEGMENT INFORMATION [Abstract]
Number of reported lines of business	2

SUMMARY OF SIGNIFICANT ACCOUN_6

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES, Adoption of New Accounting Pronouncements (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022	Mar. 31, 2022	Dec. 31, 2021
Adoption of New Accounting Pronouncements [Abstract]
Retained earnings	$ 110,017	$ 109,320
HTM debt securities	9,004	9,226
ACL - Loans	7,607	5,269	$ 5,268	$ 6,483
Deferred tax assets	6,160	6,266
ACL related to off-balance sheet credit	655	0
Obligations of States and Political Subdivisions [Member]
Adoption of New Accounting Pronouncements [Abstract]
HTM debt securities	9,003	9,225
Residential Real Estate [Member]
Adoption of New Accounting Pronouncements [Abstract]
ACL - Loans	2,031	681	714	980
Commercial and Industrial [Member]
Adoption of New Accounting Pronouncements [Abstract]
ACL - Loans	1,177	1,293	1,389	1,571
Consumer Loans [Member]
Adoption of New Accounting Pronouncements [Abstract]
ACL - Loans	$ 2,093	1,257	$ 1,174	$ 1,384
Accounting Standards Update 2016-13 [Member]
Adoption of New Accounting Pronouncements [Abstract]
ACL - Loans		7,431
Deferred tax assets		6,853
ACL related to off-balance sheet credit		631
Accounting Standards Update 2016-13 [Member] | Obligations of States and Political Subdivisions [Member]
Adoption of New Accounting Pronouncements [Abstract]
HTM debt securities		3
Accounting Standards Update 2016-13 [Member] | Residential Real Estate [Member]
Adoption of New Accounting Pronouncements [Abstract]
ACL - Loans		2,026
Accounting Standards Update 2016-13 [Member] | Commercial Real Estate [Member]
Adoption of New Accounting Pronouncements [Abstract]
ACL - Loans		2,200
Accounting Standards Update 2016-13 [Member] | Commercial and Industrial [Member]
Adoption of New Accounting Pronouncements [Abstract]
ACL - Loans		1,177
Accounting Standards Update 2016-13 [Member] | Consumer Loans [Member]
Adoption of New Accounting Pronouncements [Abstract]
ACL - Loans		2,028
Cumulative Effect, Period of Adoption, Adjusted Balance [Member] | Accounting Standards Update 2016-13 [Member]
Adoption of New Accounting Pronouncements [Abstract]
ACL - Loans		5,269
Deferred tax assets		6,266
ACL related to off-balance sheet credit		0
Cumulative Effect, Period of Adoption, Adjusted Balance [Member] | Accounting Standards Update 2016-13 [Member] | Obligations of States and Political Subdivisions [Member]
Adoption of New Accounting Pronouncements [Abstract]
HTM debt securities		0
Cumulative Effect, Period of Adoption, Adjusted Balance [Member] | Accounting Standards Update 2016-13 [Member] | Residential Real Estate [Member]
Adoption of New Accounting Pronouncements [Abstract]
ACL - Loans		681
Cumulative Effect, Period of Adoption, Adjusted Balance [Member] | Accounting Standards Update 2016-13 [Member] | Commercial Real Estate [Member]
Adoption of New Accounting Pronouncements [Abstract]
ACL - Loans		2,038
Cumulative Effect, Period of Adoption, Adjusted Balance [Member] | Accounting Standards Update 2016-13 [Member] | Commercial and Industrial [Member]
Adoption of New Accounting Pronouncements [Abstract]
ACL - Loans		1,293
Cumulative Effect, Period of Adoption, Adjusted Balance [Member] | Accounting Standards Update 2016-13 [Member] | Consumer Loans [Member]
Adoption of New Accounting Pronouncements [Abstract]
ACL - Loans		1,257
Cumulative Effect, Period of Adoption, Adjustment [Member] | Accounting Standards Update 2016-13 [Member]
Adoption of New Accounting Pronouncements [Abstract]
Retained earnings		2,209
ACL - Loans		2,162
Deferred tax assets		587
ACL related to off-balance sheet credit		631
Cumulative Effect, Period of Adoption, Adjustment [Member] | Accounting Standards Update 2016-13 [Member] | Obligations of States and Political Subdivisions [Member]
Adoption of New Accounting Pronouncements [Abstract]
HTM debt securities		3
Cumulative Effect, Period of Adoption, Adjustment [Member] | Accounting Standards Update 2016-13 [Member] | Residential Real Estate [Member]
Adoption of New Accounting Pronouncements [Abstract]
ACL - Loans		1,345
Cumulative Effect, Period of Adoption, Adjustment [Member] | Accounting Standards Update 2016-13 [Member] | Commercial Real Estate [Member]
Adoption of New Accounting Pronouncements [Abstract]
ACL - Loans		162
Cumulative Effect, Period of Adoption, Adjustment [Member] | Accounting Standards Update 2016-13 [Member] | Commercial and Industrial [Member]
Adoption of New Accounting Pronouncements [Abstract]
ACL - Loans		(116)
Cumulative Effect, Period of Adoption, Adjustment [Member] | Accounting Standards Update 2016-13 [Member] | Consumer Loans [Member]
Adoption of New Accounting Pronouncements [Abstract]
ACL - Loans		$ 771

SUMMARY OF SIGNIFICANT ACCOUN_7

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES, Allowance for Loan Losses (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022	Dec. 31, 2022	Dec. 31, 2021
ALLOWANCE FOR LOAN LOSSES [Abstract]
Accrued interest receivable on AFS debt securities	$ 448
ACL related to AFS debt securities	0
ACL related to HTM debt securities	3		$ 0
ACL related to HTM debt securities, expenses	$ 0
Credit loss, revision period	2 years
ACL related to loans	$ 7,607	$ 5,268	5,269	$ 6,483
Provision expense	465	(1,126)
ACL related to off-balance sheet credit	655		0
ACL related to off-balance sheet credit with corresponding provision expense	24
LOANS [Abstract]
Loans held for sale	124		0
Consumer Loans [Member]
ALLOWANCE FOR LOAN LOSSES [Abstract]
ACL related to loans	2,093	1,174	$ 1,257	$ 1,384
Provision expense	$ 180	$ (82)
Loans maturity period	6 years

SUMMARY OF SIGNIFICANT ACCOUN_8

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES, Earnings per Share (Details) - shares	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
EARNINGS PER SHARE [Abstract]
Number of weighted average common shares outstanding (in shares)	4,773,461	4,761,072

FAIR VALUE OF FINANCIAL INSTR_3

FAIR VALUE OF FINANCIAL INSTRUMENTS, Assets and Liabilities Measured on Recurring Basis (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2023	Dec. 31, 2022
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	55,468	54,792
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	1,118	1,340
Liabilities, fair value	(1,118)	(1,340)
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	5,940	7,983
Recurring [Member] | Significant Other Observable (Level 2) [Member] | Agency Mortgage-backed Securities, Residential [Member]
Fair Value, Asset and Liabilities [Abstract]
Assets, fair value	118,345	121,299
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) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
Nonrecurring [Member]
Fair Value, Asset and Liabilities [Abstract]
Assets, fair value	$ 0	$ 0

FAIR VALUE OF FINANCIAL INSTR_5

FAIR VALUE OF FINANCIAL INSTRUMENTS, Quantitative Information about Level 3 Inputs (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022	Dec. 31, 2022
FAIR VALUE OF FINANCIAL INSTRUMENTS [Abstract]
Other real estate	$ 0		$ 0
Other real estate, write-down	$ 0	$ 0

FAIR VALUE OF FINANCIAL INSTR_6

FAIR VALUE OF FINANCIAL INSTRUMENTS, Carrying Amounts and Estimated Fair Values of Financial Instruments (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
Financial Assets [Abstract]
Securities available for sale	$ 179,753	$ 184,074
Carrying Amount [Member]
Financial Assets [Abstract]
Cash and cash equivalents	89,848	45,990
Certificates of deposit in financial institutions	735	1,862
Securities available for sale	179,753	184,074
Securities held to maturity	9,001	9,226
Loans, net	898,706	879,780
Interest rate swap derivatives	1,118	1,340
Accrued interest receivable	3,225	3,112
Financial Liabilities [Abstract]
Deposits	1,081,195	1,027,655
Other borrowed funds	17,330	17,945
Subordinated debentures	8,500	8,500
Interest rate swap derivatives	1,118	1,340
Accrued interest payable	1,326	432
Estimated Fair Value [Member]
Financial Assets [Abstract]
Cash and cash equivalents	89,848	45,990
Certificates of deposit in financial institutions	735	1,862
Securities available for sale	179,753	184,074
Securities held to maturity	8,398	8,460
Loans, net	868,593	846,870
Interest rate swap derivatives	1,118	1,340
Accrued interest receivable	3,225	3,112
Financial Liabilities [Abstract]
Deposits	1,079,673	1,025,710
Other borrowed funds	15,736	16,364
Subordinated debentures	8,500	8,500
Interest rate swap derivatives	1,118	1,340
Accrued interest payable	1,326	432
Estimated Fair Value [Member] | Level 1 [Member]
Financial Assets [Abstract]
Cash and cash equivalents	89,848	45,990
Certificates of deposit in financial institutions	0	0
Securities available for sale	55,468	54,792
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	829,598	875,736
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	735	1,862
Securities available for sale	124,285	129,282
Securities held to maturity	5,074	4,987
Loans, net	0	0
Interest rate swap derivatives	1,118	1,340
Accrued interest receivable	520	485
Financial Liabilities [Abstract]
Deposits	250,075	149,974
Other borrowed funds	15,736	16,364
Subordinated debentures	8,500	8,500
Interest rate swap derivatives	1,118	1,340
Accrued interest payable	1,326	431
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	3,324	3,473
Loans, net	868,593	846,870
Interest rate swap derivatives	0	0
Accrued interest receivable	2,705	2,627
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	Mar. 31, 2023	Dec. 31, 2022
Available-for-sale Investment Securities [Abstract]
Amortized Cost	$ 196,359	$ 202,825
Gross Unrealized Gains	5	0
Gross Unrealized Losses	(16,611)	(18,751)
Estimated Fair Value	179,753	184,074
U.S. Government Securities [Member]
Available-for-sale Investment Securities [Abstract]
Amortized Cost	57,836	57,698
Gross Unrealized Gains	5	0
Gross Unrealized Losses	(2,373)	(2,906)
Estimated Fair Value	55,468	54,792
US Government-sponsored Entity Securities [Member]
Available-for-sale Investment Securities [Abstract]
Amortized Cost	6,680	8,845
Gross Unrealized Gains	0	0
Gross Unrealized Losses	(740)	(862)
Estimated Fair Value	5,940	7,983
Agency Mortgage-backed Securities, Residential [Member]
Available-for-sale Investment Securities [Abstract]
Amortized Cost	131,843	136,282
Gross Unrealized Gains	0	0
Gross Unrealized Losses	(13,498)	(14,983)
Estimated Fair Value	$ 118,345	$ 121,299

SECURITIES, Amortized Cost an_2

SECURITIES, Amortized Cost and Fair Value of Securities Held-to-maturity (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
Debt Securities, Held-to-maturity, Maturity, Amortized Cost [Abstract]
Amortized Cost	$ 9,004	$ 9,226
Gross Unrealized Gains	29	32
Gross Unrecognized Losses	(635)	(798)
Estimated Fair Value	8,398	8,460
Allowance for Credit Losses	(3)	0
Obligations of States and Political Subdivisions [Member]
Debt Securities, Held-to-maturity, Maturity, Amortized Cost [Abstract]
Amortized Cost	9,003	9,225
Gross Unrealized Gains	29	32
Gross Unrecognized Losses	(635)	(798)
Estimated Fair Value	8,397	8,459
Allowance for Credit Losses	(3)
Agency Mortgage-backed Securities, Residential [Member]
Debt Securities, Held-to-maturity, Maturity, Amortized Cost [Abstract]
Amortized Cost	1	1
Gross Unrealized Gains	0	0
Gross Unrecognized Losses	0	0
Estimated Fair Value	1	$ 1
Allowance for Credit Losses	$ 0

SECURITIES, Amortized Cost an_3

SECURITIES, Amortized Cost and Fair Value of Securities by Contractual Maturity (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022	Dec. 31, 2022
Amortized cost of Available-for-sale Securities by Contractual Maturity [Abstract]
Due in one year or less	$ 10,113
Due in over one to five years	54,403
Due in over five to ten years	0
Due after ten years	0
Agency mortgage-backed securities, residential	131,843
Amortized Cost	196,359		$ 202,825
Fair Value of Available-for-sale Securities by Contractual Maturity [Abstract]
Due in one year or less	9,987
Due in over one to five years	51,421
Due in over five to ten years	0
Due after ten years	0
Agency mortgage-backed securities, residential	118,345
Estimated Fair Value	179,753		184,074
Debt Securities, Held-to-maturity, Maturity, Amortized Cost, Net [Abstract]
Due in one year or less	585
Due in over one to five years	3,899
Due in over five to ten years	2,249
Due after ten years	2,270
Agency mortgage-backed securities, residential	1
Amortized Cost	9,004		9,226
Debt Securities, Held-to-maturity, Maturity, Fair Value [Abstract]
Due in one year or less	585
Due in over one to five years	3,706
Due in over five to ten years	2,075
Due after ten years	2,031
Agency mortgage-backed securities, residential	1
Estimated Fair Value	8,398		8,460
Proceeds from sale of debt securities	0	$ 0
Debt securities	134,382		126,318
Agency Mortgage-backed Securities, Residential [Member]
Amortized cost of Available-for-sale Securities by Contractual Maturity [Abstract]
Amortized Cost	131,843		136,282
Fair Value of Available-for-sale Securities by Contractual Maturity [Abstract]
Estimated Fair Value	118,345		121,299
Debt Securities, Held-to-maturity, Maturity, Amortized Cost, Net [Abstract]
Amortized Cost	1		1
Debt Securities, Held-to-maturity, Maturity, Fair Value [Abstract]
Estimated Fair Value	$ 1		$ 1

SECURITIES, Available-for-sale

SECURITIES, Available-for-sale Securities with Unrealized Losses in Continuous Unrealized Loss Position (Details) $ in Thousands	Mar. 31, 2023 USD ($) Security	Dec. 31, 2022 USD ($)
Available-for-sale Securities with Continuous Unrealized Loss Position, Fair Value [Abstract]
Less than 12 Months - Fair Value	$ 29,998	$ 110,756
12 Months or More - Fair Value	142,765	73,318
Fair Value	172,763	184,074
Available-for-sale Securities with Continuous Unrealized Loss Position, Unrealized Loss [Abstract]
Less than 12 Months - Unrealized Loss	(747)	(8,215)
12 Months or More - Unrealized Loss	(15,864)	(10,536)
Unrealized Loss	$ (16,611)	(18,751)
Number of securities in unrealized loss position | Security	99
U.S. Government Securities [Member]
Available-for-sale Securities with Continuous Unrealized Loss Position, Fair Value [Abstract]
Less than 12 Months - Fair Value	$ 20,057	36,460
12 Months or More - Fair Value	28,420	18,332
Fair Value	48,477	54,792
Available-for-sale Securities with Continuous Unrealized Loss Position, Unrealized Loss [Abstract]
Less than 12 Months - Unrealized Loss	(257)	(977)
12 Months or More - Unrealized Loss	(2,116)	(1,929)
Unrealized Loss	$ (2,373)	(2,906)
Number of securities in unrealized loss position | Security	15
US Government-sponsored Entity Securities [Member]
Available-for-sale Securities with Continuous Unrealized Loss Position, Fair Value [Abstract]
Less than 12 Months - Fair Value	$ 0	2,786
12 Months or More - Fair Value	5,940	5,197
Fair Value	5,940	7,983
Available-for-sale Securities with Continuous Unrealized Loss Position, Unrealized Loss [Abstract]
Less than 12 Months - Unrealized Loss	0	(60)
12 Months or More - Unrealized Loss	(740)	(802)
Unrealized Loss	$ (740)	(862)
Number of securities in unrealized loss position | Security	3
Agency Mortgage-backed Securities, Residential [Member]
Available-for-sale Securities with Continuous Unrealized Loss Position, Fair Value [Abstract]
Less than 12 Months - Fair Value	$ 9,941	71,510
12 Months or More - Fair Value	108,405	49,789
Fair Value	118,346	121,299
Available-for-sale Securities with Continuous Unrealized Loss Position, Unrealized Loss [Abstract]
Less than 12 Months - Unrealized Loss	(490)	(7,178)
12 Months or More - Unrealized Loss	(13,008)	(7,805)
Unrealized Loss	$ (13,498)	$ (14,983)
Number of securities in unrealized loss position | Security	81

SECURITIES, Held-to-Maturity Se

SECURITIES, Held-to-Maturity Securities Allowance for Credit Losses (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Debt Securities, Held-to-Maturity, Allowance for Credit Loss [Roll Forward]
Allowance for credit losses beginning balance	$ 0
Credit loss expense	0
Allowance for credit losses ending balance	$ 3
Cumulative loss rate	0.03%
Provision expense	$ 489	$ (1,126)
ASC 326 [Member]
Debt Securities, Held-to-Maturity, Allowance for Credit Loss [Roll Forward]
Allowance for credit losses beginning balance	3
Provision expense	$ 0

LOANS AND ALLOWANCE FOR LOAN _3

LOANS AND ALLOWANCE FOR LOAN LOSSES, Loans (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022	Mar. 31, 2022	Dec. 31, 2021
Loans [Abstract]
Total loans	$ 906,313	$ 885,049
Less: Allowance for credit losses	(7,607)	(5,269)	$ (5,268)	$ (6,483)
Net loans	898,706	879,780
Deferred loan origination costs, net	812	663
Unamortized loan purchase premiums, net	985	1,142
Residential Real Estate [Member]
Loans [Abstract]
Total loans	291,048	297,036
Less: Allowance for credit losses	(2,031)	(681)	(714)	(980)
Commercial Real Estate [Member]
Loans [Abstract]
Total loans		288,755
Less: Allowance for credit losses	(2,306)	(2,038)	(1,991)	(2,548)
Commercial Real Estate [Member] | Owner-occupied [Member]
Loans [Abstract]
Total loans	70,636	72,719
Commercial Real Estate [Member] | Nonowner-occupied [Member]
Loans [Abstract]
Total loans	185,272	182,831
Commercial Real Estate [Member] | Construction [Member]
Loans [Abstract]
Total loans	37,437	33,205
Commercial and Industrial [Member]
Loans [Abstract]
Total loans	157,748	151,232
Less: Allowance for credit losses	(1,177)	(1,293)	(1,389)	(1,571)
Consumer [Member]
Loans [Abstract]
Total loans		148,026
Less: Allowance for credit losses	(2,093)	(1,257)	$ (1,174)	$ (1,384)
Consumer [Member] | Automobile [Member]
Loans [Abstract]
Total loans	58,718	54,837
Consumer [Member] | Home Equity [Member]
Loans [Abstract]
Total loans	28,522	27,791
Consumer [Member] | Other [Member]
Loans [Abstract]
Total loans	$ 76,932	$ 65,398

LOANS AND ALLOWANCE FOR LOAN _4

LOANS AND ALLOWANCE FOR LOAN LOSSES, Nonaccrual Loans and Loans Past Due 90 Days or More and Still Accruing (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2023	Dec. 31, 2022
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	$ 555	$ 538
Nonaccrual Loans With No ACL	810
Nonaccrual Loans With an ACL	2,145
Nonaccrual	2,955	3,233
Nonaccrual, interest income	20
Residential Real Estate [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	53	100
Nonaccrual Loans With No ACL	0
Nonaccrual Loans With an ACL	1,415
Nonaccrual	1,415	1,708
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 Loans With No ACL	810
Nonaccrual Loans With an ACL	91
Nonaccrual	901	938
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 Loans With No ACL	0
Nonaccrual Loans With an ACL	69
Nonaccrual	69	70
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 Loans With No ACL	0
Nonaccrual Loans With an ACL	74
Nonaccrual	74	75
Commercial and Industrial [Member]
Recorded Investment in Nonaccrual and Loans Past Due Over90 Days Still on Accrual by Class of Loans [Abstract]
Loans past due 90 days and still accruing	0	0
Nonaccrual Loans With No ACL	0
Nonaccrual Loans With an ACL	149
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	14	27
Nonaccrual Loans With No ACL	0
Nonaccrual Loans With an ACL	103
Nonaccrual	103	82
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 Loans With No ACL	0
Nonaccrual Loans With an ACL	150
Nonaccrual	150	151
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	488	411
Nonaccrual Loans With No ACL	0
Nonaccrual Loans With an ACL	94
Nonaccrual	$ 94	$ 59

LOANS AND ALLOWANCE FOR LOAN _5

LOANS AND ALLOWANCE FOR LOAN LOSSES, Past Due Loans (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total loans balance	$ 906,313	$ 885,049
Residential Real Estate [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total loans balance	291,048	297,036
Commercial Real Estate [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total loans balance		288,755
Commercial Real Estate [Member] | Owner-occupied [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total loans balance	70,636	72,719
Commercial Real Estate [Member] | Nonowner-occupied [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total loans balance	185,272	182,831
Commercial Real Estate [Member] | Construction [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total loans balance	37,437	33,205
Commercial and Industrial [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total loans balance	157,748	151,232
Consumer [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total loans balance		148,026
Consumer [Member] | Automobile [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total loans balance	58,718	54,837
Consumer [Member] | Home Equity [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total loans balance	28,522	27,791
Consumer [Member] | Other [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total loans balance	76,932	65,398
Total Past Due [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total loans balance	6,632	7,872
Total Past Due [Member] | Residential Real Estate [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total loans balance	2,250	2,997
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	978	1,035
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	353	631
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	75	102
Total Past Due [Member] | Commercial and Industrial [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total loans balance	908	171
Total Past Due [Member] | Consumer [Member] | Automobile [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total loans balance	866	1,141
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	226	355
Total Past Due [Member] | Consumer [Member] | Other [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total loans balance	976	1,440
30 to 59 Days Past Due [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total loans balance	3,418	4,466
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	1,265	1,799
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	90	97
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	270	626
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	5	40
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	759	21
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	640	804
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	76	204
30 to 59 Days Past Due [Member] | Consumer [Member] | Other [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total loans balance	313	875
60 to 89 Days Past Due [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total loans balance	752	1,104
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	486	701
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	14	5
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	8	45
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	0
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	137	240
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	0
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	107	113
90 Days or More Past Due [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total loans balance	2,462	2,302
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	499	497
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	888	938
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	69	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	62	17
90 Days or More Past Due [Member] | Commercial and Industrial [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total loans balance	149	150
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	89	97
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	150	151
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	556	452
Loans Not Past Due [Member]
Aging of Recorded Investment in Past Due Loans by Class of Loans [Abstract]
Total loans balance	899,681	877,177
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	288,798	294,039
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	69,658	71,684
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	184,919	182,200
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	37,362	33,103
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	156,840	151,061
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	57,852	53,696
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	28,296	27,436
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	$ 75,956	$ 63,958

LOANS AND ALLOWANCE FOR LOAN _6

LOANS AND ALLOWANCE FOR LOAN LOSSES, Credit Quality Indicators (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
Troubled Debt Restructuring Loan Modifications [Abstract]
Aggregate loan balances	$ 898,706	$ 879,780
CARES Act [Member]
Credit Quality Indicators [Abstract]
Aggregate loan amount that are reviewed risk categories	$ 1,000

LOANS AND ALLOWANCE FOR LOAN _7

LOANS AND ALLOWANCE FOR LOAN LOSSES, Risk Category of Commercial Loans by Class of Loans (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022	Dec. 31, 2022
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Total ending loans balance	$ 906,313		$ 885,049
Current Period gross charge-offs	456	$ 334
Commercial [Member]
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Total ending loans balance			439,987
Commercial [Member] | Pass [Member]
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Total ending loans balance			426,485
Commercial [Member] | Criticized [Member]
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Total ending loans balance			10,776
Commercial [Member] | Classified [Member]
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Total ending loans balance			2,726
Commercial Real Estate [Member]
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Total ending loans balance			288,755
Current Period gross charge-offs	132	1
Commercial Real Estate [Member] | Owner-occupied [Member]
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
2023	0
2022	6,914
2021	26,614
2020	6,192
2019	7,133
Prior	22,091
Revolving Loans Amortized Cost Basis	1,692
Total ending loans balance	70,636		72,719
2023	0
2022	0
2021	0
2020	0
2019	0
Prior	0
Revolving Loans Amortized Cost Basis	0
Current Period gross charge-offs	0
Commercial Real Estate [Member] | Nonowner-occupied [Member]
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
2023	4,078
2022	30,521
2021	36,372
2020	29,942
2019	15,831
Prior	67,063
Revolving Loans Amortized Cost Basis	1,465
Total ending loans balance	185,272		182,831
2023	0
2022	0
2021	132
2020	0
2019	0
Prior	0
Revolving Loans Amortized Cost Basis	0
Current Period gross charge-offs	132
Commercial Real Estate [Member] | Construction [Member]
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
2023	1,818
2022	25,344
2021	5,541
2020	427
2019	477
Prior	3,763
Revolving Loans Amortized Cost Basis	67
Total ending loans balance	37,437		33,205
2023	0
2022	0
2021	0
2020	0
2019	0
Prior	0
Revolving Loans Amortized Cost Basis	0
Current Period gross charge-offs	0
Commercial Real Estate [Member] | Pass [Member] | Owner-occupied [Member]
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
2023	0
2022	6,914
2021	26,333
2020	6,192
2019	6,637
Prior	19,262
Revolving Loans Amortized Cost Basis	1,194
Total ending loans balance	66,532		68,236
Commercial Real Estate [Member] | Pass [Member] | Nonowner-occupied [Member]
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
2023	4,078
2022	30,405
2021	36,372
2020	26,641
2019	15,831
Prior	65,173
Revolving Loans Amortized Cost Basis	1,465
Total ending loans balance	179,965		177,479
Commercial Real Estate [Member] | Pass [Member] | Construction [Member]
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
2023	1,818
2022	25,344
2021	5,541
2020	427
2019	477
Prior	3,701
Revolving Loans Amortized Cost Basis	67
Total ending loans balance	37,375		33,143
Commercial Real Estate [Member] | Special Mention [Member] | Owner-occupied [Member]
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
2023	0
2022	0
2021	281
2020	0
2019	0
Prior	821
Revolving Loans Amortized Cost Basis	198
Total ending loans balance	1,300
Commercial Real Estate [Member] | Special Mention [Member] | Nonowner-occupied [Member]
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
2023	0
2022	116
2021	0
2020	3,301
2019	0
Prior	1,890
Revolving Loans Amortized Cost Basis	0
Total ending loans balance	5,307
Commercial Real Estate [Member] | Special Mention [Member] | Construction [Member]
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
2023	0
2022	0
2021	0
2020	0
2019	0
Prior	0
Revolving Loans Amortized Cost Basis	0
Total ending loans balance	0
Commercial Real Estate [Member] | Substandard [Member] | Owner-occupied [Member]
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
2023	0
2022	0
2021	0
2020	0
2019	496
Prior	2,008
Revolving Loans Amortized Cost Basis	300
Total ending loans balance	2,804
Commercial Real Estate [Member] | Substandard [Member] | Nonowner-occupied [Member]
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
2023	0
2022	0
2021	0
2020	0
2019	0
Prior	0
Revolving Loans Amortized Cost Basis	0
Total ending loans balance	0
Commercial Real Estate [Member] | Substandard [Member] | Construction [Member]
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
2023	0
2022	0
2021	0
2020	0
2019	0
Prior	62
Revolving Loans Amortized Cost Basis	0
Total ending loans balance	62
Commercial Real Estate [Member] | Doubtful [Member] | Owner-occupied [Member]
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
2023	0
2022	0
2021	0
2020	0
2019	0
Prior	0
Revolving Loans Amortized Cost Basis	0
Total ending loans balance	0
Commercial Real Estate [Member] | Doubtful [Member] | Nonowner-occupied [Member]
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
2023	0
2022	0
2021	0
2020	0
2019	0
Prior	0
Revolving Loans Amortized Cost Basis	0
Total ending loans balance	0
Commercial Real Estate [Member] | Doubtful [Member] | Construction [Member]
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
2023	0
2022	0
2021	0
2020	0
2019	0
Prior	0
Revolving Loans Amortized Cost Basis	0
Total ending loans balance	0
Commercial Real Estate [Member] | Criticized [Member] | Owner-occupied [Member]
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Total ending loans balance			3,545
Commercial Real Estate [Member] | Criticized [Member] | Nonowner-occupied [Member]
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Total ending loans balance			5,352
Commercial Real Estate [Member] | Criticized [Member] | Construction [Member]
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Total ending loans balance			0
Commercial Real Estate [Member] | Classified [Member] | Owner-occupied [Member]
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Total ending loans balance			938
Commercial Real Estate [Member] | Classified [Member] | Nonowner-occupied [Member]
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Total ending loans balance			0
Commercial Real Estate [Member] | Classified [Member] | Construction [Member]
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Total ending loans balance			62
Commercial and Industrial [Member]
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
2023	2,005
2022	32,541
2021	28,259
2020	36,368
2019	639
Prior	30,159
Revolving Loans Amortized Cost Basis	27,777
Total ending loans balance	157,748		151,232
2023	0
2022	0
2021	0
2020	0
2019	0
Prior	0
Revolving Loans Amortized Cost Basis	29
Current Period gross charge-offs	29	$ 0
Commercial and Industrial [Member] | Pass [Member]
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
2023	2,005
2022	32,416
2021	27,566
2020	34,496
2019	639
Prior	29,782
Revolving Loans Amortized Cost Basis	27,386
Total ending loans balance	154,290		147,627
Commercial and Industrial [Member] | Special Mention [Member]
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
2023	0
2022	125
2021	693
2020	341
2019	0
Prior	54
Revolving Loans Amortized Cost Basis	391
Total ending loans balance	1,604
Commercial and Industrial [Member] | Substandard [Member]
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
2023	0
2022	0
2021	0
2020	1,531
2019	0
Prior	323
Revolving Loans Amortized Cost Basis	0
Total ending loans balance	1,854
Commercial and Industrial [Member] | Doubtful [Member]
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
2023	0
2022	0
2021	0
2020	0
2019	0
Prior	0
Revolving Loans Amortized Cost Basis	0
Total ending loans balance	$ 0
Commercial and Industrial [Member] | Criticized [Member]
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Total ending loans balance			1,879
Commercial and Industrial [Member] | Classified [Member]
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Total ending loans balance			$ 1,726

LOANS AND ALLOWANCE FOR LOAN _8

LOANS AND ALLOWANCE FOR LOAN LOSSES, Recorded Investment of Residential and Consumer Loans (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022	Dec. 31, 2022
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Total ending loans balance	$ 906,313		$ 885,049
Current Period gross charge-offs	$ 456	$ 334
Percentage of unsecured loans	4.61%		4.52%
Consumer and Residential [Member]
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Total ending loans balance			$ 445,062
Consumer and Residential [Member] | Performing [Member]
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Total ending loans balance			442,524
Consumer and Residential [Member] | Nonperforming [Member]
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Total ending loans balance			2,538
Residential Real Estate [Member]
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
2023	$ 10,669
2022	40,057
2021	55,043
2020	48,111
2019	23,988
Prior	105,039
Revolving Loans Amortized Cost Basis	8,141
Total ending loans balance	291,048		297,036
2023	0
2022	0
2021	1
2020	0
2019	0
Prior	46
Revolving Loans Amortized Cost Basis	0
Current Period gross charge-offs	47	3
Residential Real Estate [Member] | Performing [Member]
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
2023	10,669
2022	39,985
2021	54,928
2020	48,103
2019	23,860
Prior	103,894
Revolving Loans Amortized Cost Basis	8,141
Total ending loans balance	289,580		295,228
Residential Real Estate [Member] | Nonperforming [Member]
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
2023	0
2022	72
2021	115
2020	8
2019	128
Prior	1,145
Revolving Loans Amortized Cost Basis	0
Total ending loans balance	1,468		1,808
Consumer [Member]
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Total ending loans balance			148,026
Current Period gross charge-offs	248	$ 330
Consumer [Member] | Automobile [Member]
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
2023	8,824
2022	29,184
2021	10,862
2020	5,317
2019	2,374
Prior	2,157
Revolving Loans Amortized Cost Basis	0
Total ending loans balance	58,718		54,837
2023	0
2022	10
2021	58
2020	0
2019	11
Prior	3
Revolving Loans Amortized Cost Basis	0
Current Period gross charge-offs	82
Consumer [Member] | Home Equity [Member]
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
2023	0
2022	0
2021	0
2020	40
2019	0
Prior	0
Revolving Loans Amortized Cost Basis	28,482
Total ending loans balance	28,522		27,791
2023	0
2022	0
2021	0
2020	0
2019	0
Prior	0
Revolving Loans Amortized Cost Basis	0
Current Period gross charge-offs	0
Consumer [Member] | Other [Member]
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
2023	5,910
2022	32,860
2021	14,774
2020	6,738
2019	2,182
Prior	1,686
Revolving Loans Amortized Cost Basis	12,782
Total ending loans balance	76,932		65,398
2023	61
2022	31
2021	26
2020	8
2019	0
Prior	1
Revolving Loans Amortized Cost Basis	39
Current Period gross charge-offs	166
Consumer [Member] | Performing [Member] | Automobile [Member]
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
2023	8,824
2022	29,154
2021	10,808
2020	5,315
2019	2,353
Prior	2,147
Revolving Loans Amortized Cost Basis	0
Total ending loans balance	58,601		54,728
Consumer [Member] | Performing [Member] | Home Equity [Member]
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
2023	0
2022	0
2021	0
2020	40
2019	0
Prior	0
Revolving Loans Amortized Cost Basis	28,332
Total ending loans balance	28,372		27,640
Consumer [Member] | Performing [Member] | Other [Member]
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
2023	5,910
2022	32,497
2021	14,676
2020	6,660
2019	2,172
Prior	1,653
Revolving Loans Amortized Cost Basis	12,782
Total ending loans balance	76,350		64,928
Consumer [Member] | Nonperforming [Member] | Automobile [Member]
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
2023	0
2022	30
2021	54
2020	2
2019	21
Prior	10
Revolving Loans Amortized Cost Basis	0
Total ending loans balance	117		109
Consumer [Member] | Nonperforming [Member] | Home Equity [Member]
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
2023	0
2022	0
2021	0
2020	0
2019	0
Prior	0
Revolving Loans Amortized Cost Basis	150
Total ending loans balance	150		151
Consumer [Member] | Nonperforming [Member] | Other [Member]
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
2023	0
2022	363
2021	98
2020	78
2019	10
Prior	33
Revolving Loans Amortized Cost Basis	0
Total ending loans balance	$ 582		$ 470

LOANS AND ALLOWANCE FOR LOAN _9

LOANS AND ALLOWANCE FOR LOAN LOSSES, Allowance for Loan Losses by Portfolio Segment (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance	$ 5,269	$ 6,483
Provision for (recovery of) credit losses	465	(1,126)
Loans charged-off	(456)	(334)
Recoveries	167	245
Ending balance	7,607	5,268
Residential Real Estate [Member]
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance	681	980
Provision for (recovery of) credit losses	39	(279)
Loans charged-off	(47)	(3)
Recoveries	13	16
Ending balance	2,031	714
Commercial Real Estate [Member]
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance	2,038	2,548
Provision for (recovery of) credit losses	225	(575)
Loans charged-off	(132)	(1)
Recoveries	13	19
Ending balance	2,306	1,991
Commercial and Industrial [Member]
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance	1,293	1,571
Provision for (recovery of) credit losses	21	(190)
Loans charged-off	(29)	0
Recoveries	8	8
Ending balance	1,177	1,389
Consumer [Member]
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance	1,257	1,384
Provision for (recovery of) credit losses	180	(82)
Loans charged-off	(248)	(330)
Recoveries	133	202
Ending balance	2,093	$ 1,174
ASU 2016-13 [Member]
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance	7,431
ASU 2016-13 [Member] | Residential Real Estate [Member]
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance	2,026
ASU 2016-13 [Member] | Commercial and Industrial [Member]
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance	1,177
ASU 2016-13 [Member] | Consumer [Member]
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance	2,028
ASU 2016-13 [Member] | Impact of Adoption [Member]
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance	2,162
ASU 2016-13 [Member] | Impact of Adoption [Member] | Residential Real Estate [Member]
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance	1,345
ASU 2016-13 [Member] | Impact of Adoption [Member] | Commercial Real Estate [Member]
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance	162
ASU 2016-13 [Member] | Impact of Adoption [Member] | Commercial and Industrial [Member]
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance	(116)
ASU 2016-13 [Member] | Impact of Adoption [Member] | Consumer [Member]
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance	$ 771

LOANS AND ALLOWANCE FOR LOAN_10

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	Mar. 31, 2023	Dec. 31, 2022	Mar. 31, 2022	Dec. 31, 2021
Ending allowance balance attributable to loans [Abstract]
Individually evaluated for impairment		$ 0
Collectively evaluated for impairment		5,269
Total ending allowance balance	$ 7,607	5,269	$ 5,268	$ 6,483
Loans [Abstract]
Loans individually evaluated for impairment		2,014
Loans collectively evaluated for impairment		883,035
Total ending loans balance	906,313	885,049
Collateral Pledged [Member]
Loans [Abstract]
Total ending loans balance	837
Real Estate [Member]
Loans [Abstract]
Total ending loans balance	477
Business Assets [Member]
Loans [Abstract]
Total ending loans balance	360
Residential Real Estate [Member]
Ending allowance balance attributable to loans [Abstract]
Individually evaluated for impairment		0
Collectively evaluated for impairment		681
Total ending allowance balance	2,031	681	714	980
Loans [Abstract]
Loans individually evaluated for impairment		0
Loans collectively evaluated for impairment		297,036
Total ending loans balance	291,048	297,036
Commercial Real Estate [Member]
Ending allowance balance attributable to loans [Abstract]
Individually evaluated for impairment		0
Collectively evaluated for impairment		2,038
Total ending allowance balance	2,306	2,038	1,991	2,548
Loans [Abstract]
Loans individually evaluated for impairment		1,986
Loans collectively evaluated for impairment		286,769
Total ending loans balance		288,755
Commercial Real Estate [Member] | Owner-occupied [Member]
Loans [Abstract]
Total ending loans balance	70,636	72,719
Commercial Real Estate [Member] | Owner-occupied [Member] | Collateral Pledged [Member]
Loans [Abstract]
Total ending loans balance	810
Commercial Real Estate [Member] | Owner-occupied [Member] | Real Estate [Member]
Loans [Abstract]
Total ending loans balance	450
Commercial Real Estate [Member] | Owner-occupied [Member] | Business Assets [Member]
Loans [Abstract]
Total ending loans balance	360
Commercial and Industrial [Member]
Ending allowance balance attributable to loans [Abstract]
Individually evaluated for impairment		0
Collectively evaluated for impairment		1,293
Total ending allowance balance	1,177	1,293	1,389	1,571
Loans [Abstract]
Loans individually evaluated for impairment		0
Loans collectively evaluated for impairment		151,232
Total ending loans balance	157,748	151,232
Consumer [Member]
Ending allowance balance attributable to loans [Abstract]
Individually evaluated for impairment		0
Collectively evaluated for impairment		1,257
Total ending allowance balance	2,093	1,257	$ 1,174	$ 1,384
Loans [Abstract]
Loans individually evaluated for impairment		28
Loans collectively evaluated for impairment		147,998
Total ending loans balance		148,026
Consumer [Member] | Home Equity [Member]
Loans [Abstract]
Total ending loans balance	28,522	$ 27,791
Consumer [Member] | Home Equity [Member] | Collateral Pledged [Member]
Loans [Abstract]
Total ending loans balance	27
Consumer [Member] | Home Equity [Member] | Real Estate [Member]
Loans [Abstract]
Total ending loans balance	27
Consumer [Member] | Home Equity [Member] | Business Assets [Member]
Loans [Abstract]
Total ending loans balance	$ 0

LOANS AND ALLOWANCE FOR LOAN_11

LOANS AND ALLOWANCE FOR LOAN LOSSES, Impaired Loans (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Dec. 31, 2022
With an allowance recorded [Abstract]
Unpaid principal balance		$ 0
Recorded investment		0
Total [Abstract]
Unpaid principal balance		2,099
Recorded investment		2,014
Allowance for Loan Losses Allocated		0
Impaired loans [Abstract]
Average impaired loans	$ 7,312
Interest income recognized	110
Cash basis interest recognized	110
Commercial Real Estate [Member] | Owner-occupied [Member]
With no related allowance recorded [Abstract]
Unpaid principal balance		1,692
Recorded investment		1,607
Impaired loans [Abstract]
Average impaired loans - with no allowance recorded	2,713
Interest income recognized - with no allowance recorded	39
Cash basis interest recognized - with no allowance recorded	39
Commercial Real Estate [Member] | Nonowner-occupied [Member]
With no related allowance recorded [Abstract]
Unpaid principal balance		379
Recorded investment		379
Impaired loans [Abstract]
Average impaired loans - with no allowance recorded	384
Interest income recognized - with no allowance recorded	7
Cash basis interest recognized - with no allowance recorded	7
Commercial and Industrial [Member]
Impaired loans [Abstract]
Average impaired loans - with an allowance recorded	1,862
Interest income recognized - with an allowance recorded	40
Cash basis interest recognized - with an allowance recorded	40
Average impaired loans - with no allowance recorded	2,323
Interest income recognized - with no allowance recorded	23
Cash basis interest recognized - with no allowance recorded	23
Consumer [Member] | Home Equity [Member]
With no related allowance recorded [Abstract]
Unpaid principal balance		28
Recorded investment		$ 28
Impaired loans [Abstract]
Average impaired loans - with no allowance recorded	30
Interest income recognized - with no allowance recorded	1
Cash basis interest recognized - with no allowance recorded	$ 1

FINANCIAL INSTRUMENTS WITH OF_2

FINANCIAL INSTRUMENTS WITH OFF-BALANCE SHEET RISK (Details) - USD ($) $ in Thousands	3 Months Ended	12 Months Ended
	Mar. 31, 2023	Dec. 31, 2022
FINANCIAL INSTRUMENTS WITH OFF-BALANCE SHEET RISK [Abstract]
Contract amounts	$ 103,786	$ 103,413
Off-balance sheet commitments	655	$ 0
Provision expense	$ 24

OTHER BORROWED FUNDS (Details)

OTHER BORROWED FUNDS (Details) $ in Thousands	3 Months Ended
	Mar. 31, 2023 USD ($) Promissorynote	Dec. 31, 2022 USD ($)
Other Borrowed Funds [Abstract]
Other borrowed funds	$ 17,330	$ 17,945
FHLB Advances - variable rate loans	0
Cash management advances, maximum borrowing amount	$ 100,000
Cash management advances, maturity period	90 days
Cash management advances, available borrowing amount	$ 100,000
Number of promissory notes payable to related parties | Promissorynote	6
Scheduled Repayments of FHLB Advances [Abstract]
2023	$ 1,853
2024	3,587
2025	1,560
2026	1,434
2027	1,397
Thereafter	7,499
Other borrowings	$ 17,330	$ 17,945
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	2.38%	2.39%
Mortgage Loans [Member]
Other Borrowed Funds [Abstract]
Collateral pledged for FHLB Advances	$ 284,657
Commercial Loans [Member]
Other Borrowed Funds [Abstract]
Collateral pledged for FHLB Advances	31,519
FHLB Stock [Member]
Other Borrowed Funds [Abstract]
Collateral pledged for FHLB Advances	1,953
Cash management advances, maximum borrowing amount	188,384
Cash management advances, available borrowing amount	101,748
FHLB Borrowings [Member]
Other Borrowed Funds [Abstract]
Other borrowed funds	14,936	$ 15,569
Scheduled Repayments of FHLB Advances [Abstract]
2023	1,353
2024	1,693
2025	1,560
2026	1,434
2027	1,397
Thereafter	7,499
Other borrowings	14,936	15,569
Promissory Notes [Member]
Other Borrowed Funds [Abstract]
Other borrowed funds	$ 2,394	2,376
Maturity date of promissory notes issued	Nov. 18, 2023
Notes payable to related parties	$ 2,394
Notes payable to other banks	0	0
Scheduled Repayments of FHLB Advances [Abstract]
2023	500
2024	1,894
2025	0
2026	0
2027	0
Thereafter	0
Other borrowings	$ 2,394	$ 2,376
Promissory Notes [Member] | Minimum [Member]
Other Borrowed Funds [Abstract]
Interest rate	1.25%
Promissory Notes [Member] | Maximum [Member]
Other Borrowed Funds [Abstract]
Interest rate	4.75%
Promissory Notes [Member] | Weighted Average [Member]
Other Borrowed Funds [Abstract]
Interest rate	2.30%	1.35%
FHLB Line of Credit [Member]
Other Borrowed Funds [Abstract]
Letter of credit issued	$ 71,700	$ 75,140

SEGMENT INFORMATION (Details)

SEGMENT INFORMATION (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022	Dec. 31, 2022
Segment Information [Abstract]
Net interest income	$ 11,722	$ 9,990
Provision for loan losses	489	(1,126)
Noninterest income	3,767	3,720
Noninterest expense	10,272	9,788
Provision for income taxes	820	923
Net income	3,908	4,125
Assets	1,266,465	1,258,176	$ 1,210,787
Banking [Member]
Segment Information [Abstract]
Net interest income	11,184	9,468
Provision for loan losses	584	(1,100)
Noninterest income	3,000	2,891
Noninterest expense	9,596	9,094
Provision for income taxes	668	780
Net income	3,336	3,585
Assets	$ 1,252,673	$ 1,245,025
Banking [Member] | Revenues [Member] | Customer Concentration Risk [Member]
Segment Information [Abstract]
Concentration percentage	92.50%	90.50%
Consumer Finance [Member]
Segment Information [Abstract]
Net interest income	$ 538	$ 522
Provision for loan losses	(95)	(26)
Noninterest income	767	829
Noninterest expense	676	694
Provision for income taxes	152	143
Net income	572	540
Assets	$ 13,792	$ 13,151

LEASES, Balance Sheet Informati

LEASES, Balance Sheet Information (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
Balance Sheet Information Related to Leases [Abstract]
Operating lease right-of-use assets	$ 1,246	$ 1,294
Operating lease liabilities	$ 1,246	$ 1,294
Minimum [Member]
Lessee, Operating Lease, Description [Abstract]
Operating lease term	1 month
Maximum [Member]
Lessee, Operating Lease, Description [Abstract]
Operating lease term	18 years
Operating lease renewal term	15 years

LEASES, Components of Lease Cos

LEASES, Components of Lease Cost (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Lease, Cost [Abstract]
Operating lease cost	$ 51	$ 42
Short-term lease expense	$ 0	$ 10

LEASES, Maturities of Lease Lia

LEASES, Maturities of Lease Liabilities (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
LEASES [Abstract]
2023 (remaining)	$ 121
2024	154
2025	154
2026	140
2027	129
Thereafter	873
Total lease payments	1,571
Less: Imputed Interest	(325)
Total operating leases	$ 1,246	$ 1,294

LEASES, Other Information (Deta

LEASES, Other Information (Details)	Mar. 31, 2023	Dec. 31, 2022
Other Information [Abstract]
Weighted-average remaining lease term for operating leases	11 years 10 months 24 days	12 years 1 month 6 days
Weighted-average discount rate for operating leases	2.71%	2.70%