CONSOLIDATED STATEMENTS OF INCOME - USD ($) $ in Thousands	3 Months Ended
	Jun. 30, 2023	Jun. 30, 2022
INTEREST AND DIVIDEND INCOME:
Interest and fees on loans receivable	$ 11,210	$ 10,897
Interest on investment securities - taxable	2,334	1,834
Interest on investment securities - nontaxable	66	66
Other interest and dividends	347	397
Total interest and dividend income	13,957	13,194
INTEREST EXPENSE:
Interest on deposits	1,373	281
Interest on borrowings	2,225	252
Total interest expense	3,598	533
Net interest income	10,359	12,661
Net interest income after provision for credit losses	10,359	12,661
NON-INTEREST INCOME:
BOLI	200	190
Other, net	104	55
Total non-interest income, net	3,285	3,126
NON-INTEREST EXPENSE:
Salaries and employee benefits	6,043	5,952
Occupancy and depreciation	1,583	1,514
Data processing	674	778
Amortization of CDI	27	29
Advertising and marketing	313	197
FDIC insurance premium	177	116
State and local taxes	226	191
Telecommunications	53	50
Professional fees	343	301
Other	539	641
Total non-interest expense	9,978	9,769
INCOME BEFORE INCOME TAXES	3,666	6,018
PROVISION FOR INCOME TAXES	823	1,366
NET INCOME	$ 2,843	$ 4,652
Earnings per common share:
Basic	$ 0.13	$ 0.21
Diluted	$ 0.13	$ 0.21
Weighted average number of common shares outstanding:
Basic	21,136,097	22,027,874
Diluted	21,141,184	22,037,320
Fees and service charges
NON-INTEREST INCOME:
Non-interest income	$ 1,600	$ 1,721
Asset management fees.
NON-INTEREST INCOME:
Non-interest income	$ 1,381	$ 1,160