CONSOLIDATED STATEMENTS OF INCOME (UNAUDITED) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021
INTEREST AND DIVIDEND INCOME
Loans including fees	$ 6,792	$ 6,960	$ 13,466	$ 13,881
Federal funds sold	1		1
Interest-earning deposits with banks	158	22	179	41
Investments	482	334	917	581
Dividends on equity securities (restricted)	27	32	54	64
Total Interest and Dividend Income	7,460	7,348	14,617	14,567
INTEREST EXPENSE
Deposits	404	575	834	1,258
Borrowed funds	212	122	318	245
Total Interest Expense	616	697	1,152	1,503
NET INTEREST INCOME	6,844	6,651	13,465	13,064
PROVISION FOR LOAN LOSSES	75	186	175	372
PROVISION FOR LOAN LOSSES	6,769	6,465	13,290	12,692
NONINTEREST INCOME
Service charges and fees	897	841	1,904	1,673
Card processing and interchange	1,027	1,072	1,943	1,936
Insurance and investment fees	242	275	483	501
Other noninterest income	182	190	387	397
Total Noninterest Income	2,348	2,378	4,717	4,507
NONINTEREST EXPENSES
Salaries and employee benefits	3,382	3,099	6,657	6,178
Occupancy and equipment expense	1,017	1,184	2,023	2,360
Data processing and telecommunications	601	653	1,155	1,226
Other operating expenses	1,658	1,788	3,262	3,309
Total Noninterest Expenses	6,658	6,724	13,097	13,073
INCOME BEFORE INCOME TAXES	2,459	2,119	4,910	4,126
INCOME TAX EXPENSE	536	456	1,066	878
NET INCOME	$ 1,923	$ 1,663	$ 3,844	$ 3,248
Earnings per share
Basic and diluted	$ 0.08	$ 0.07	$ 0.16	$ 0.14
Average Weighted Shares of Common Stock
Basic and diluted	$ 23,915,869	$ 23,922,086	$ 23,918,960	$ 23,922,086