CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2020	Jun. 30, 2019
Cash flows from operating activities:
Net income	$ 788	$ 391
Adjustments to reconcile net income to net cash provided by (used in) operating activities:
ESOP expense	45
Depreciation	290	265
Net amortization of bond premium	151	40
Provision for loan losses	275	25
Gain on sale of loans	(218)	(35)
Securities (gains) losses, net	(283)	10
Proceeds from loans sold	9,037	2,206
Origination of loans sold	(8,819)	(2,171)
Increase in bank-owned life insurance	(25)	(59)
Increase (decrease) in deferred fees on loans	1,089	(12)
Deferred tax benefit	(306)	(130)
Increase in accrued interest receivable	(125)	(84)
Decrease (increase) in other assets	261	(913)
Decrease in deferred compensation liability	(17)	(15)
Increase in other liabilities	571	47
Net cash provided by (used in) operating activities	2,714	(435)
Cash flows from investing activities:
Proceeds from sales and maturities of securities available-for-sale	19,421	7,009
Purchase of securities available-for-sale	(17,914)	(9,916)
Purchase of property and equipment	(262)	(120)
Loan purchases	(9,901)
Loan originations and principal collections, net	(27,819)	(13,168)
Net redemption of Federal Home Loan Bank stock	195	1,250
Proceeds from sales of interest bearing time deposits with other banks	247	1,739
Net cash used by investing activities	(36,033)	(13,206)
Cash flows from financing activities:
Net increase (decrease) in NOW, demand deposits, money market and savings accounts	51,979	(2,971)
Net (decrease) increase in certificates of deposit	(2,970)	12,429
Increase in mortgagors’ escrow accounts	120	58
Proceeds from stock subscriptions		28,609
Net cash provided by financing activities	59,935	18,400
Net change in cash and cash equivalents	26,616	4,759
Cash and cash equivalents at beginning of period	4,009	5,889
Cash and cash equivalents at end of period	30,625	10,648
Cash activities:
Cash paid for interest	1,435	2,132
Cash paid for income taxes	59	13
Effect of change in fair value of securities available-for-sale:
Securities available-for-sale	812	1,219
Deferred taxes	(220)	(332)
Total unrealized gains on securities	592	887
Effect of change in fair value of interest rate swaps:
Interest rate swaps	(164)
Deferred taxes	45
Other comprehensive income	(119)
Federal Home Loan Bank Advances [Member]
Cash flows from financing activities:
Proceeds from short-term FHLB advances	5,000	137,654
Payments on short-term FHLB advances	(29,907)	$ (157,379)
Proceeds from long-term FHLB advances	20,000
Payments on long-term FHLB advances	(10,000)
FRB [Member]
Cash flows from financing activities:
Proceeds from short-term FHLB advances	$ 25,713