Consolidated Statements of Cash Flows - USD ($)	6 Months Ended
	Jun. 30, 2020	Jun. 30, 2019
CASH FLOWS FROM OPERATING ACTIVITIES
Net income	$ 2,084,000	$ 1,703,000
Adjustments to reconcile net income to net cash provided by operating activities:
Net amortization of investment securities	14,000	27,000
Net amortization of deferred loan costs	258,000	296,000
Provision for loan losses	825,000	425,000
Recovery on previously impaired investment securities	(28,000)	(26,000)
Unrealized loss (gain) on equity securities	18,000	(35,000)
Unrealized loss on interest rate swap	179,000	94,000
Originations of loans held for sale	(4,282,000)	(166,000)
Proceeds from sales of loans held for sale	4,431,000	168,000
Gain on sale of loans held for sale	(149,000)	(2,000)
Depreciation and amortization	420,000	397,000
Increase in bank owned life insurance, net	(246,000)	(242,000)
ESOP shares committed to be released	51,000	58,000
Stock based compensation expense	101,000	181,000
Increase in accrued interest receivable	(1,068,000)	(215,000)
Decrease (increase) in other assets	584,000	(202,000)
Decrease in other liabilities	(194,000)	(421,000)
Net Cash Provided by Operating Activities	2,998,000	2,040,000
CASH FLOWS FROM INVESTING ACTIVITIES
Activity in available for sale securities: Maturities, prepayments and calls	7,541,000	9,411,000
Activity in available for sale securities: Purchases	(7,418,000)
Purchases of Federal Home Loan Bank Stock	(93,000)	(285,000)
Redemptions of Federal Home Loan Bank Stock	126,000
Loan origination and principal collections, net	(18,195,000)	(48,523,000)
Proceeds from sale of foreclosed real estate	509,000
Additions to premises and equipment	(193,000)	(338,000)
Net Cash Used in Investing Activities	(17,723,000)	(39,735,000)
CASH FLOWS FROM FINANCING ACTIVITIES
Net increase in deposits	67,009,000	25,014,000
Net (decrease) increase in advances from borrowers for taxes and insurance	(8,000)	22,000
Increase in short term borrowings		8,000,000
Proceeds from issuance of long-term debt	1,200,000	1,050,000
Repayment of long-term debt	(3,500,000)	(4,050,000)
Purchase of treasury stock	(888,000)	(783,000)
Cash dividends paid	(513,000)	(532,000)
Net Cash Provided by Financing Activities	63,300,000	28,721,000
Net Increase (Decrease) in Cash and Cash Equivalents	48,575,000	(8,974,000)
CASH AND CASH EQUIVALENTS - BEGINNING	30,289,000	30,751,000
CASH AND CASH EQUIVALENTS - ENDING	78,864,000	21,777,000
SUPPLEMENTARY CASH FLOWS INFORMATION
Interest paid	2,513,000	2,384,000
Income taxes paid		305,000
Right of use asset recognized		904,000
Right of use liability recognized		916,000
SUPPLEMENTARY SCHEDULE OF NONCASH INVESTING AND FINANCING ACTIVITIES
Foreclosed real estate acquired in settlement of loans		$ 98,000
Securities purchased and not settled	$ 760,000