CONSOLIDATED STATEMENTS OF INCOME (Unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
INTEREST AND DIVIDEND INCOME
Loans including fees	$ 6,674	$ 6,921
Interest-earning deposits with banks	21	19
Investments	435	247
Dividends on equity securities (restricted)	27	32
Total Interest and Dividend Income	7,157	7,219
INTEREST EXPENSE
Deposits	430	683
Borrowed funds	106	123
Total Interest Expense	536	806
NET INTEREST INCOME	6,621	6,413
PROVISION FOR LOAN LOSSES	100	186
PROVISION FOR LOAN LOSSES	6,521	6,227
NONINTEREST INCOME
Service charges and fees	1,007	832
Card processing and interchange	916	864
Insurance and investment fees	241	226
Other noninterest income	205	207
Total Noninterest Income	2,369	2,129
NONINTEREST EXPENSES
Salaries and employee benefits	3,275	3,079
Occupancy and equipment expense	1,006	1,176
Data processing and telecommunications	554	573
Other operating expenses	1,604	1,521
Total Noninterest Expenses	6,439	6,349
INCOME BEFORE INCOME TAXES	2,451	2,007
INCOME TAX EXPENSE	530	422
NET INCOME	$ 1,921	$ 1,585
Earnings Per Share
Basic and diluted	$ 0.08	$ 0.07
Average Weighted Shares of Common Stock
Basic and diluted	$ 23,922,086	$ 23,922,086