Consolidated Statement of Cash Flows - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2021	Jun. 30, 2020
OPERATING ACTIVITIES
Net income (loss)	$ 3,167	$ (2,158)
Adjustments to reconcile net income to net cash used for operating activities:
Provision for loan losses	617	2,065
Depreciation	123	127
Amortization of intangible assets	14	16
Amortization of premiums and discounts on investment securities, net	23	13
Share-based compensation	41	42
Amortization of premiums on purchased loans	27	11
Bank-owned life insurance income	(68)	(73)
Deferred tax benefit	(3,044)	0
Change in accrued interest receivable and other assets	(1,153)	(740)
Change in accrued interest payable and other liabilities	(351)	120
Net cash used for operating activities	(604)	(577)
Investment securities available for sale:
Proceeds from calls and maturities	75,000	47,000
Proceeds from principal repayments	726	1,048
Purchases	0	(10,171)
Purchase of restricted investment in bank stocks	(1,341)	(906)
Redemption of restricted investment in bank stocks	2,917	0
Increase in loans, net	(86,857)	(119,750)
Purchase of premises and equipment	(508)	(235)
Net cash used for investing activities	(10,063)	(83,014)
FINANCING ACTIVITIES
Increase in deposits, net	88,999	28,111
Change in Short-term borrowings, net	(41,667)	(6,914)
Proceeds from Long-term borrowings	0	86,404
Repayments of Long-term borrowings	(14,228)	0
Proceeds from exercise of stock options	10	0
Net cash provided by financing activities	33,114	107,601
Increase in cash and cash equivalents	22,447	24,010
CASH AND CASH EQUIVALENTS AT BEGINNING OF PERIOD	9,002	11,210
CASH AND CASH EQUIVALENTS AT END OF PERIOD	31,449	35,220
SUPPLEMENTAL CASH FLOW DISCLOSURES
Interest	1,705	1,882
Income taxes	0	0
Non-Cash activities :
Right of Use asset	4,495	0
Operating lease liability	$ 4,495	$ 0