CONSOLIDATED STATEMENTS OF INCOME (UNAUDITED) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
INTEREST AND DIVIDEND INCOME
Loans including fees	$ 7,271	$ 7,290	$ 21,483	$ 21,361
Federal funds sold		1	1	5
Interest-earning deposits with banks	16	170	191	643
Investments	245	334	814	1,066
Dividends on equity securities (restricted)	34	38	108	118
Total Interest and Dividend Income	7,566	7,833	22,597	23,193
INTEREST EXPENSE
Deposits	1,024	1,275	3,417	3,795
Borrowed funds	128	211	484	675
Total Interest Expense	1,152	1,486	3,901	4,470
NET INTEREST INCOME	6,414	6,347	18,696	18,723
PROVISION FOR LOAN LOSSES	450	1,020	2,000	1,290
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES	5,964	5,327	16,696	17,433
NONINTEREST INCOME
Service charges and fees	859	924	2,238	2,597
Card processing and interchange	892	800	2,480	2,276
Insurance and investment fees	206	158	447	481
Net gain on sales of available-for-sale securities			4
Other noninterest income	159	973	744	1,247
Total Noninterest Income	2,116	2,855	5,913	6,601
NONINTEREST EXPENSES
Salaries and employee benefits	2,981	3,544	10,300	11,020
Occupancy and equipment expense	1,132	1,128	3,395	3,407
Data processing and telecommunications	604	615	1,881	1,913
Other operating expenses	1,565	1,792	5,149	5,650
Total Noninterest Expenses	6,282	7,079	20,725	21,990
INCOME BEFORE INCOME TAXES	1,798	1,103	1,884	2,044
INCOME TAX EXPENSE	374	227	385	417
NET INCOME	$ 1,424	$ 876	$ 1,499	$ 1,627
Income Per Share
Basic and diluted (in dollars per share)	$ 0.06	$ 0.04	$ 0.06	$ 0.07
Average Weighted Shares of Common Stock
Basic and diluted (in shares)	23,922,086	23,922,086	23,922,086	23,922,086