CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands		Dec. 31, 2021	Dec. 31, 2020
ASSETS
Cash and due from banks		$ 6,638	$ 5,996
Interest bearing time deposits with other banks		1,245	2,488
Securities available-for-sale, at fair value		91,365	55,470
Federal Home Loan Bank stock		1,688	1,796
Total loans		376,641	368,142
Less allowance for loan losses		(3,590)	(3,342)
Net loans		373,051	364,800
Land, building and equipment, net		4,566	5,078
Bank-owned life insurance		4,461	4,356
Accrued interest receivable		1,499	1,412
Other assets		2,561	1,666
Total assets		487,074	443,062
Deposits:
Non-interest bearing deposits		98,624	64,571
Interest bearing deposits		294,619	262,810
Total deposits		393,243	327,381
Advances from Federal Home Loan Bank		29,462	34,127
Advances from Federal Reserve Bank			18,195
Mortgagors’ tax escrow		652	1,420
Deferred compensation liability		1,729	1,667
Other liabilities		1,520	1,411
Total liabilities		426,606	384,201
Stockholders' Equity:
Preferred Stock, $.01 par value, 10,000,000 shares authorized, none issued
Common Stock, $.01 par value, 90,000,000 shares authorized; 6,201,770 issued and 6,123,337 outstanding at December 31, 2021; and 6,083,500 issued and 6,058,024 outstanding as of December 31, 2020		62	61
Additional paid-in capital		26,783	25,606
Retained earnings		36,813	34,192
Accumulated other comprehensive income	[1]	721	1,381
Treasury stock, at cost: 78,433 and 25,476 shares as of December 31, 2021 and December 31, 2020, respectively		(748)	(233)
Unearned stock compensation		(3,163)	(2,146)
Total stockholders' equity		60,468	58,861
Total liabilities and stockholders' equity		$ 487,074	$ 443,062

[1] All amounts are net of tax