CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Assets
Cash and due from banks	$ 52,483	$ 41,454
Fed funds sold	14,519	25
Cash and cash equivalents	67,002	41,479
Available for sale securities, stated at fair value	48,398	64,243
Loans held for sale	500	1,708
Loans, net of allowance for loan and lease losses of $2,430 and $2,811, respectively	222,104	214,723
Premises and equipment, net	5,506	5,594
Foreclosed assets	0	125
Other equity investments	1,353	1,279
Accrued interest receivable	813	995
Cash value of life insurance	10,029	7,272
Other assets	1,372	1,554
TOTAL ASSETS	357,077	338,972
Liabilities and Equity
Deposits	255,250	226,498
Advance payments by borrowers for taxes and insurance	102	127
FHLB advances	6,500	7,500
Accrued interest payable	7	17
Other liabilities	1,246	1,565
Total liabilities	263,105	235,707
Preferred stock ($0.01 par value, 50,000,000 authorized, no shares issued or outstanding as of December 31, 2021 and December 31, 2020, respectively)	0	0
Common stock ($0.01 par value, 100,000,000 authorized, 6,734,970 and 7,695,214 issued and outstanding as of December 31, 2021 and December 31, 2020, respectively)	67	77
Additional paid in capital	58,273	69,090
Unallocated common stock of Employee Stock Ownership Plan ("ESOP") (550,509 and 581,093 shares at December 31, 2021 and December 31, 2020, respectively)	(5,506)	(5,811)
Retained earnings	40,365	38,382
Accumulated other comprehensive income (loss), net of income taxes	773	1,527
Total equity	93,972	103,265
TOTAL LIABILITIES AND EQUITY	$ 357,077	$ 338,972