CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands		Mar. 31, 2022	Dec. 31, 2021
ASSETS
Cash and due from banks		$ 5,493	$ 6,638
Interest bearing time deposits with other banks		1,245	1,245
Securities available-for-sale, at fair value		98,490	91,365
Federal Home Loan Bank stock		2,410	1,688
Total Loans		379,823	376,641
Less allowance for loan losses		(3,642)	(3,590)
Net loans		376,181	373,051
Land, building and equipment, net		4,490	4,566
Bank-owned life insurance		4,481	4,461
Accrued interest receivable		1,568	1,499
Other assets		5,394	2,561
Total assets		499,752	487,074
Deposits:
Non-interest bearing deposits		92,660	98,624
Interest bearing deposits		296,109	294,619
Total deposits		388,769	393,243
Advances from Federal Home Loan Bank		49,700	29,462
Mortgagors’ tax escrow		1,898	652
Deferred compensation liability		1,650	1,729
Other liabilities		1,736	1,520
Total liabilities		443,753	426,606
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 6,099,834 shares outstanding at March 31, 2022; and 6,201,770 shares issued and 6,123,337 outstanding as of December 31, 2021, respectively		62	62
Additional paid-in capital		26,784	26,783
Retained earnings		37,205	36,813
Accumulated other comprehensive (loss) income	[1]	(4,022)	721
Treasury stock, at cost: 101,936 and 78,433 shares outstanding as of March 31, 2022 and December 31, 2021, respectively		(996)	(748)
Unearned stock compensation		(3,034)	(3,163)
Total stockholders' equity		55,999	60,468
Total liabilities and stockholders' equity		$ 499,752	$ 487,074

[1] All amounts are net of tax