Consolidated Statements of Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Interest Income
Loans receivable, including fees	$ 23,007	$ 21,960
Securities held to maturity	1,064	1,065
Other	484	320
Total Interest Income	24,555	23,345
Interest Expense
Deposits	5,282	3,834
Borrowings	1,708	1,564
Total Interest Expense	6,990	5,398
Net Interest Income	17,565	17,947
Provision for Loan Losses	0	240
Net Interest Income after Provision for Loan Losses	17,565	17,707
Non-Interest Income
Fees and service charges	346	334
Income from bank owned life insurance	554	388
Other	74	78
Total Non-Interest Income	974	800
Non-Interest Expenses
Salaries and employee benefits	6,769	6,673
Directors compensation	524	490
Occupancy and equipment	1,534	1,564
Service bureau fees	575	347
Advertising	21	33
FDIC assessment	100	211
Professional services	2,415	1,730
Other	831	813
Total Non-Interest Expenses	12,769	11,861
Income before Income Taxes	5,770	6,646
Income Tax Expense	1,667	1,811
Net Income	$ 4,103	$ 4,835
Earnings per share:
Basic (in dollars per share)	$ 0.81	$ 0.90
Diluted (in dollars per share)	$ 0.80	$ 0.90