CONSOLIDATED STATEMENTS OF INCOME (UNAUDITED) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019
INTEREST AND DIVIDEND INCOME
Loans including fees	$ 7,098	$ 6,940
Federal funds sold	1	2
Interest-earning deposits with banks	162	243
Investments	297	368
Dividends on equity securities (restricted)	37	38
Total Interest and Dividend Income	7,595	7,591
INTEREST EXPENSE
Deposits	1,262	1,260
Borrowed funds	191	236
Total Interest Expense	1,453	1,496
NET INTEREST INCOME	6,142	6,095
PROVISION FOR LOAN LOSSES	1,000	135
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES	5,142	5,960
NONINTEREST INCOME
Service charges and fees	851	841
Card processing and interchange	753	679
Insurance and investment fees	132	161
Net gain on sales of available-for-sale securities	4
Other noninterest income	425	96
Total Noninterest Income	2,165	1,777
NONINTEREST EXPENSES
Salaries and employee benefits	3,501	3,646
Occupancy and equipment expense	1,113	1,149
Data processing and telecommunications	620	655
Other operating expenses	2,017	1,778
Total Noninterest Expenses	7,251	7,228
INCOME BEFORE INCOME TAXES	56	509
INCOME TAX EXPENSE	10	103
NET INCOME	$ 46	$ 406
Income Per Share
Basic and diluted (in dollars per share)	$ 0.00	$ 0.02
Average Weighted Shares of Common Stock
Basic and diluted (in shares)	23,922,086	23,922,086