CONSOLIDATED STATEMENTS OF INCOME (UNAUDITED) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2020	Jun. 30, 2019	Jun. 30, 2020	Jun. 30, 2019
INTEREST AND DIVIDEND INCOME
Loans including fees	$ 7,114	$ 7,130	$ 14,212	$ 14,072
Federal funds sold		2	1	3
Interest-earning deposits with banks	13	231	175	474
Investments	272	365	569	733
Dividends on equity securities (restricted)	37	42	74	80
Total Interest and Dividend Income	7,436	7,770	15,031	15,362
INTEREST EXPENSE
Deposits	1,131	1,260	2,393	2,520
Borrowed funds	165	228	356	464
Total Interest Expense	1,296	1,488	2,749	2,984
NET INTEREST INCOME	6,140	6,282	12,282	12,378
PROVISION FOR LOAN LOSSES	550	135	1,550	270
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES	5,590	6,147	10,732	12,108
NONINTEREST INCOME
Service charges and fees	528	872	1,379	1,713
Card processing and interchange	835	797	1,588	1,476
Insurance and investment fees	109	161	241	323
Net gain on sales of available-for-sale securities			4
Other noninterest income	156	139	585	233
Total Noninterest Income	1,628	1,969	3,797	3,745
NONINTEREST EXPENSES
Salaries and employee benefits	3,818	3,830	7,319	7,476
Occupancy and equipment expense	1,150	1,130	2,263	2,279
Data processing and telecommunications	657	643	1,277	1,298
Other operating expenses	1,567	2,081	3,584	3,859
Total Noninterest Expenses	7,192	7,684	14,443	14,912
INCOME BEFORE INCOME TAXES	30	432	86	941
INCOME TAX EXPENSE	1	87	11	190
NET INCOME	$ 29	$ 345	$ 75	$ 751
Income Per Share
Basic and diluted (in dollars per share)	$ 0.00	$ 0.01	$ 0.00	$ 0.03
Average Weighted Shares of Common Stock
Basic and diluted (in shares)	23,922,086	23,922,086	23,922,086	23,922,086