Consolidated Statements of Comprehensive Income (Unaudited) - USD ($)	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
INTEREST INCOME
Interest and fees on loans	$ 6,631,000	$ 5,573,000	$ 19,082,000	$ 16,092,000
Interest on securities	395,000	418,000	1,218,000	1,231,000
Interest on other interest-earning assets	146,000	71,000	420,000	112,000
Total interest income	7,172,000	6,062,000	20,720,000	17,435,000
Interest expense
Interest on deposits	2,994,000	944,000	7,813,000	1,758,000
Interest on borrowings	474,000	554,000	1,316,000	1,261,000
Total interest expense	3,468,000	1,498,000	9,129,000	3,019,000
Net interest income	3,704,000	4,564,000	11,591,000	14,416,000
Provision for credit losses	3,146,000	125,000	3,280,000	780,000
Net interest income after provision for credit losses	558,000	4,439,000	8,311,000	13,636,000
NON-INTEREST INCOME
Service charges and fees	106,000	119,000	328,000	284,000
Gain on sale of loans	17,000		83,000
Bank owned life insurance	63,000	61,000	183,000	180,000
Other	(22,000)	(38,000)	(65,000)	(78,000)
Total non-interest income	164,000	142,000	529,000	386,000
NON-INTEREST EXPENSE
Salaries and employee benefits	1,488,000	1,879,000	5,144,000	5,562,000
Occupancy	293,000	310,000	843,000	939,000
Data processing fees	622,000	562,000	1,908,000	1,592,000
FDIC and other insurance expense	70,000	95,000	224,000	327,000
Professional fees	153,000	93,000	486,000	238,000
Merger Costs	529,000		1,333,000
Advertising	4,000	22,000	31,000	75,000
Other	441,000	295,000	1,023,000	965,000
Total non-interest expense	3,600,000	3,256,000	10,992,000	9,698,000
Income (loss) before provision for income taxes	(2,878,000)	1,325,000	(2,152,000)	4,324,000
Provision for (benefit from) income taxes	(603,000)	321,000	(426,000)	1,052,000
Net income (loss)	(2,275,000)	1,004,000	(1,726,000)	3,272,000
Other comprehensive loss
Other comprehensive loss	(1,423,000)	(3,145,000)	(906,000)	(9,385,000)
Tax effect of other comprehensive loss	354,000	800,000	179,000	2,069,000
Other comprehensive loss, net of tax	(1,069,000)	(2,345,000)	(727,000)	(7,316,000)
Comprehensive loss	$ (3,344,000)	$ (1,341,000)	$ (2,453,000)	$ (4,044,000)
Earnings per common share - Basic	$ (0.52)	$ 0.42	$ (0.48)	$ 1.38
Earnings per common share - Diluted	$ (0.52)	$ 0.42	$ (0.48)	$ 1.37