Consolidated Statements of Income - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019
Interest Income
Loans, including fees	$ 5,674	$ 4,855
Investment securities, taxable	262	302
Investment securities, tax-exempt	289	390
Other	66	115
Total Interest Income	6,291	5,662
Interest Expense
Deposits	1,201	972
Long-term debt	176	133
Other	18	19
Total Interest Expense	1,395	1,124
Net Interest Income	4,896	4,538
Provision for Loan Losses	500	75
Net Interest Income after Provision for Loan Losses	4,396	4,463
Non-Interest Income
Service charges and fees	450	421
Earnings on bank owned life insurance	122	119
Unrealized (loss) gain on equity securities	(36)	36
Unrealized loss on interest rate swap	(157)	(33)
Recovery on previously impaired investment securities	16	13
Net gain on sale of loans	37
Other	23	33
Total Non-Interest Income	455	589
Non-Interest Expenses
Salaries and employee benefits	2,216	2,261
Occupancy and equipment	641	624
Data processing	332	338
Professional services	215	234
Advertising	173	158
Postage and supplies	76	65
FDIC insurance	2	36
Other	343	287
Total Non-Interest Expenses	3,998	4,003
Income before Income Taxes	853	1,049
Income Tax Expense	122	151
Net Income	$ 731	$ 898
Basic and diluted earnings per common share	$ 0.12	$ 0.15
Dividends declared per share	$ 0.12	$ 0.12