CONSOLIDATED STATEMENTS OF INCOME (UNAUDITED) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
INTEREST AND DIVIDEND INCOME
Loans including fees	$ 9,728	$ 8,453	$ 28,316	$ 23,711
Federal funds sold	2	4	5	20
Interest-earning deposits with banks	1,164	559	2,999	1,642
Investments	610	535	1,723	1,642
Dividends on equity securities (restricted)	43	34	129	110
Total interest and dividend income	11,547	9,585	33,172	27,125
INTEREST EXPENSE
Deposits	3,832	2,110	10,490	4,902
Borrowed funds	534	434	1,601	1,115
Total interest expense	4,366	2,544	12,091	6,017
NET INTEREST INCOME	7,181	7,041	21,081	21,108
PROVISION FOR CREDIT LOSSES	49	155	478	304
NET INTEREST INCOME AFTER
PROVISION FOR CREDIT LOSSES	7,132	6,886	20,603	20,804
NONINTEREST INCOME
Service charges and fees	995	1,020	2,877	2,896
Card processing and interchange	937	942	2,803	2,784
Financial services fees	304	268	998	830
Net gain on sales of available for sale securities	4		4
Net gain on sale and disposal of premises and equipment	3		23	135
Other noninterest income	183	206	574	592
Total noninterest income	2,426	2,436	7,279	7,237
NONINTEREST EXPENSES
Salaries and employee benefits	3,527	3,567	10,768	10,768
Occupancy and equipment expense	942	945	2,855	2,881
Data processing and telecommunications	628	618	1,889	1,877
Other operating expenses	1,732	1,753	5,132	5,259
Total noninterest expenses	6,829	6,883	20,644	20,785
INCOME BEFORE INCOME TAXES	2,729	2,439	7,238	7,256
INCOME TAX EXPENSE	621	549	1,660	1,621
NET INCOME	$ 2,108	$ 1,890	$ 5,578	$ 5,635
Earnings per share
Earnings per share - Basic	$ 0.09	$ 0.08	$ 0.24	$ 0.24
Earnings per share - Diluted	$ 0.09	$ 0.08	$ 0.24	$ 0.24
Average Weighted Shares of Common Stock
Average Weighted Shares of Common Stock - Basic	23,658,248	23,793,170	23,695,385	23,817,236
Average Weighted Shares of Common Stock - Diluted	23,658,248	23,793,170	23,695,385	23,817,236