Consolidated Statements of Cash Flows - USD ($)	9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019
CASH FLOWS FROM OPERATING ACTIVITIES
Net income	$ 3,315,000	$ 2,915,000
Adjustments to reconcile net income to net cash provided by operating activities:
Net amortization of investment securities	31,000	38,000
Net amortization of deferred loan costs	424,000	436,000
Provision for loan losses	1,125,000	725,000
Recovery on previously impaired investment securities	(48,000)	(39,000)
Unrealized loss (gain) on equity securities	24,000	(57,000)
Unrealized loss on interest rate swap	156,000	109,000
Originations of loans held for sale	(8,452,000)	(1,274,000)
Proceeds from sales of loans held for sale	8,785,000	1,303,000
Gain on sale of loans held for sale	(333,000)	(29,000)
Depreciation and amortization	629,000	600,000
Increase in bank owned life insurance, net	(374,000)	(370,000)
ESOP shares committed to be released	76,000	91,000
Stock based compensation expense	163,000	263,000
Increase in accrued interest receivable	(992,000)	(323,000)
Decrease (increase) in other assets	36,000	(267,000)
Gains from sale of foreclosed real estate	(16,000)
(Decrease) increase in other liabilities	(109,000)	194,000
Net Cash Provided by Operating Activities	4,440,000	4,315,000
CASH FLOWS FROM INVESTING ACTIVITIES
Activity in available for sale securities: Maturities, prepayments and calls	13,118,000	12,981,000
Activity in available for sale securities: Purchases	(20,330,000)
Purchases of Federal Home Loan Bank Stock	(93,000)	(510,000)
Redemptions of Federal Home Loan Bank Stock	171,000
Loan origination and principal collections, net	(22,001,000)	(71,846,000)
Proceeds from sale of foreclosed real estate	526,000
Additions to premises and equipment	(280,000)	(507,000)
Net Cash Used in Investing Activities	(28,889,000)	(59,882,000)
CASH FLOWS FROM FINANCING ACTIVITIES
Net increase in deposits	72,062,000	38,817,000
Net decrease in advances from borrowers for taxes and insurance	(1,261,000)	(1,399,000)
Proceeds from issuance of long-term debt	1,200,000	14,050,000
Repayment of long-term debt	(4,500,000)	(4,050,000)
Proceeds from stock options exercised		6,000
Purchase of treasury stock	(1,438,000)	(1,038,000)
Cash dividends paid	(764,000)	(1,012,000)
Net Cash Provided by Financing Activities	65,299,000	45,374,000
Net Increase (Decrease) in Cash and Cash Equivalents	40,850,000	(10,193,000)
CASH AND CASH EQUIVALENTS - BEGINNING	30,289,000	30,751,000
CASH AND CASH EQUIVALENTS - ENDING	71,139,000	20,558,000
SUPPLEMENTARY CASH FLOWS INFORMATION
Interest paid	3,523,000	3,752,000
Income taxes paid	800,000	530,000
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		$ 165,000
Securities purchased and not settled	$ 2,355,000