CONSOLIDATED STATEMENTS OF INCOME - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2021	Dec. 31, 2020
INTEREST AND DIVIDEND INCOME
Loans including fees		$ 28,323	$ 28,638
Federal funds sold			1
Interest-earning deposits with banks		95	208
Investments		1,377	1,048
Dividends on equity securities (restricted)		117	141
Total Interest and Dividend Income		29,912	30,036
INTEREST EXPENSE
Deposits		2,248	4,284
Borrowed funds		453	609
Total Interest Expense		2,701	4,893
NET INTEREST INCOME		27,211	25,143
PROVISION FOR LOAN LOSSES		372	2,300
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES		26,839	22,843
NONINTEREST INCOME
Service charges and fees		3,724	3,217
Insurance and investment fees		1,029	716
Net gain on sales of available-for-sale securities	[1]	322	4
Other noninterest income		1,034	896
Total Noninterest Income		9,980	8,147
NONINTEREST EXPENSES
Salaries and employee benefits		12,662	13,228
Occupancy and equipment expenses		5,785	4,536
Data processing and telecommunications		2,444	2,497
Other operating expenses		6,976	6,736
Total Noninterest Expenses		27,867	26,997
INCOME BEFORE INCOME TAXES		8,952	3,993
INCOME TAX EXPENSE		1,942	1,103
NET INCOME		$ 7,010	$ 2,890

[1] – Not within the scope of ASU 2014-9