Consolidated Statements of Operations (Unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019
Interest and Dividend Income
Interest and fees on loans	$ 10,033	$ 9,755
Interest on investment securities	416	379
Dividends on investment securities	138	118
Other interest income	135	333
Total interest and dividend income	10,722	10,585
Interest Expense
Interest on deposits	3,200	3,264
Interest on Federal Home Loan Bank borrowings	697	439
Interest on senior debt	229	229
Interest on subordinated debt	268	289
Interest on note payable and other	5	6
Total interest expense	4,399	4,227
Net interest income	6,323	6,358
Provision for Loan Losses	804	165
Net interest income after provision for loan losses	5,519	6,193
Non-interest Income
Loan application, inspection and processing fees	53	14
Deposit fees and service charges	114	127
Gains on sales of loans	12	380
Rental income	131	130
Other income	111	95
Total non-interest income	421	746
Non-interest Expense
Salaries and benefits	3,861	3,184
Occupancy and equipment expense	949	917
Data processing expense	390	370
Professional and other outside services	784	709
Project expenses	94	80
Advertising and promotional expense	147	115
Loan administration and processing expense	24	14
Regulatory assessments	440	315
Insurance expense, net	70	41
Communications, stationary and supplies	120	134
Other operating expense	492	569
Total non-interest expense	7,371	6,448
(Loss) income before income taxes	(1,431)	491
(Benefit) provision for Income Taxes	(359)	168
Net (loss) income	$ (1,072)	$ 323
Basic (loss) earnings per share (in dollars per share)	$ (0.27)	$ 0.08
Diluted (loss) earnings per share (in dollars per share)	$ (0.27)	$ 0.08