Consolidated Statements of Income (Unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Interest and dividend income:
Loans, including fees	$ 3,091	$ 2,826
Securities:
Taxable	127	94
Tax-exempt	26	26
Mortgage-backed securities	29	40
Other	27	10
Total interest and dividend income	3,300	2,996
Interest expense:
Interest on deposits	784	563
Interest on short-term borrowings	79	47
Interest on long-term borrowings	332	234
Total interest expense	1,195	844
Net interest income	2,105	2,152
Provision for loan losses	75	75
Net interest income after provision for loan losses	2,030	2,077
Other income:
Increase in cash surrender value of bank owned life insurance	15	15
Realized gain on sale of loans	170	348
Mortgage fee income	138	174
Other	35	60
Total other income	394	668
Other expense:
Salaries and employee benefits	1,462	1,627
Occupancy	278	281
Data processing costs	104	101
Advertising	15	33
Equipment	128	143
Electronic banking	27	31
Directors' fees	57	58
Mortgage fees and taxes	45	52
FDIC premium expense	33	26
Audits and tax services	46	49
Professional services	56	51
Other	162	201
Total other expenses	2,413	2,653
Income before income taxes	11	92
Provision for income taxes	2	18
Net income	$ 9	$ 74
Earnings per common share - basic and diluted (in dollars per share)	$ 0.00	$ 0.04
Service fees
Other income:
Other income including Service fees and Fee income	$ 32	$ 32
Fee income
Other income:
Other income including Service fees and Fee income	$ 4	$ 39