Consolidated Statements of Income (Loss) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2019	Sep. 30, 2018
Interest and dividend income:
Loans, including fees	$ 3,079	$ 3,023	$ 9,252	$ 8,736
Taxable securities	118	105	366	296
Tax-exempt securities	27	26	79	78
Mortgage-backed securities	26	28	82	103
Other	34	14	84	35
Total interest and dividend income	3,284	3,196	9,863	9,248
Interest expense:
Interest on deposits	924	689	2,568	1,855
Interest on short-term borrowings	8	43	125	127
Interest on long-term borrowings	336	328	1,010	841
Total interest expense	1,268	1,060	3,703	2,823
Net interest income	2,016	2,136	6,160	6,425
Provision for loan losses	75	75	175	225
Net interest income after provision for loan losses	1,941	2,061	5,985	6,200
Other income:
Increase in cash surrender value of bank owned life insurance	15	16	45	46
Realized gain on sale of loans	278	461	620	1,098
Mortgage fee income	173	218	443	588
Other	46	47	126	151
Total other income	554	816	1,352	2,099
Other expense:
Salaries and employee benefits	1,594	1,711	4,559	4,903
Occupancy	252	268	797	822
Data processing costs	124	119	336	323
Advertising	21	24	63	116
Equipment	132	129	397	412
Electronic banking	28	26	81	84
Directors' fees	42	46	145	151
Mortgage fees and taxes	75	229	175	344
FDIC premium (credit) expense	(2)	31	64	81
Audits and tax services	19	70	110	165
Professional services	45	64	144	164
Other	158	219	506	618
Total other expenses	2,488	2,936	7,377	8,183
Income (loss) before income taxes	7	(59)	(40)	116
Provision (benefit) for income taxes	5	(9)	(3)	24
Net income (loss)	$ 2	$ (50)	$ (37)	$ 92
Earnings (loss) per common share - basic and diluted (in dollars per share)	$ 0.00	$ (0.03)	$ (0.02)	$ 0.05
Service fees
Other income:
Other income including Service fees and Fee income	$ 38	$ 38	$ 104	$ 107
Fee income
Other income:
Other income including Service fees and Fee income	$ 4	$ 36	$ 14	$ 109