CONSOLIDATED STATEMENTS OF INCOME (UNAUDITED) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
INTEREST AND DIVIDEND INCOME
Loans including fees	$ 7,010	$ 7,602	$ 20,476	$ 21,483
Federal funds sold	2		3
Interest-earning deposits with banks	559	28	738	69
Investments	505	388	1,422	969
Dividends on equity securities (restricted)	34	26	88	90
Total Interest and Dividend Income	8,110	8,044	22,727	22,611
INTEREST EXPENSE
Deposits	418	522	1,252	1,780
Borrowed funds	492	104	810	349
Total Interest Expense	910	626	2,062	2,129
NET INTEREST INCOME	7,200	7,418	20,665	20,482
PROVISION FOR LOAN LOSSES	225		400	372
PROVISION FOR LOAN LOSSES	6,975	7,418	20,265	20,110
NONINTEREST INCOME
Service charges and fees	1,069	1,001	2,973	2,674
Card processing and interchange	915	982	2,858	2,918
Insurance and investment fees	167	222	650	723
Net gain on sales of available-for-sale securities		322		322
Other noninterest income	38	443	425	840
Total Noninterest Income	2,189	2,970	6,906	7,477
NONINTEREST EXPENSES
Salaries and employee benefits	3,290	3,239	9,947	9,417
Occupancy and equipment expense	1,177	2,215	3,200	4,575
Data processing and telecommunications	607	609	1,762	1,835
Other operating expenses	1,525	2,004	4,787	5,313
Total Noninterest Expenses	6,599	8,067	19,696	21,140
INCOME BEFORE INCOME TAXES	2,565	2,321	7,475	6,447
INCOME TAX EXPENSE	579	476	1,645	1,354
NET INCOME	$ 1,986	$ 1,845	$ 5,830	$ 5,093
Earnings per share
Basic and diluted	$ 0.08	$ 0.08	$ 0.24	$ 0.21
Average Weighted Shares of Common Stock
Basic and diluted	$ 23,893,224	$ 23,922,086	$ 23,910,287	$ 23,922,086