CONSOLIDATED STATEMENTS OF INCOME - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019
INTEREST INCOME
Interest and fees on loans receivable	$ 9,836	$ 10,092
Interest on mortgage-backed securities	959	1,257
Interest on investment securities	1,069	1,010
Interest on deposits and other	68	67
FHLB dividends	47	88
Total interest income	11,979	12,514
INTEREST EXPENSE
Deposits	2,138	1,924
Borrowings	434	990
Total interest expense	2,572	2,914
Net interest income	9,407	9,600
PROVISION FOR LOAN LOSSES	1,266	335
Net interest income after provision for loan losses	8,141	9,265
NONINTEREST INCOME
Loan and deposit service fees	881	905
Mortgage servicing fees, net of amortization	15	45
Net gain on sale of loans	383	87
Net gain on sale of investment securities	605	0
Increase in cash surrender value of bank-owned life insurance	328	143
Other income	106	71
Total noninterest income	2,318	1,251
NONINTEREST EXPENSE
Compensation and benefits	5,361	4,573
Data processing	690	631
Occupancy and equipment	1,351	1,108
Supplies, postage, and telephone	211	228
Regulatory assessments and state taxes	174	169
Advertising	272	143
Professional fees	400	298
FDIC insurance premium	0	77
FHLB prepayment penalty	210	0
Other	713	573
Total noninterest expense	9,382	7,800
INCOME BEFORE PROVISION FOR INCOME TAX	1,077	2,716
PROVISION FOR INCOME TAX	204	509
NET INCOME	$ 873	$ 2,207
Basic and diluted earnings per share (in dollars per share)	$ 0.09	$ 0.22