Condensed Consolidated Statements of Income (unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019
INTEREST INCOME
Loans, including fees	$ 8,408	$ 8,359
Interest and dividends on investments, cash and cash equivalents	238	414
Total interest income	8,646	8,773
INTEREST EXPENSE
Deposits	1,859	1,466
Borrowings	59	318
Total interest expense	1,918	1,784
Net interest income	6,728	6,989
PROVISION (RECAPTURE) FOR LOAN LOSSES	250	(200)
Net interest income after provision (recapture) for loan losses	6,478	7,189
NONINTEREST INCOME
Service charges and fee income	494	447
Earnings on cash surrender value of bank-owned life insurance	15	108
Mortgage servicing income	244	242
Fair value adjustment on mortgage servicing rights	(362)	(324)
Net gain on sale of loans	318	535
Total noninterest income	709	1,008
NONINTEREST EXPENSE
Salaries and benefits	3,235	3,639
Operations	1,394	1,634
Regulatory assessments	250	113
Occupancy	497	506
Data processing	570	500
Net loss on OREO and repossessed assets	0	3
Total noninterest expense	5,946	6,395
Income before provision for income taxes	1,241	1,802
Provision for income taxes	260	358
Net income	$ 981	$ 1,444
Earnings per common share:
Basic (in dollars per share)	$ 0.38	$ 0.57
Diluted (in dollars per share)	$ 0.38	$ 0.56
Weighted-average number of common shares outstanding:
Basic (in shares)	2,542,514	2,507,389
Diluted (in shares)	2,587,716	2,565,914