Consolidated Statements of Operations - USD ($) $ in Thousands		3 Months Ended		9 Months Ended
		Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Interest and dividend income:
Loans, including fees		$ 4,423	$ 3,563	$ 12,487	$ 9,862
Securities, taxable		656	613	1,847	1,727
Other		292	139	767	279
Total interest and dividend income		5,371	4,315	15,101	11,868
Interest expense:
Interest-bearing deposits		1,832	196	4,111	551
Borrowed funds		586	200	1,733	550
Other interest-bearing funds		1	2	4	7
Total interest expense		2,419	398	5,848	1,108
Net interest income		2,952	3,917	9,253	10,760
Provision for credit losses		75	0	225	210
Net interest income after provision for credit losses		2,877	3,917	9,028	10,550
Noninterest income:
Service charges and other fees		235	229	699	722
Loan servicing, net		172	167	502	515
Net gain on sale of loans		73	83	141	266
Net (loss) on sale of securities		(1,925)		(1,925)
Increase in cash surrender value of insurance		107	108	324	317
Unrealized gain (loss) on marketable equity securities		(158)	(159)	287	(892)
Other		113	51	278	58
Total noninterest income		(1,383)	479	306	986
Noninterest expense:
Salaries and employee benefits		2,264	2,687	7,792	7,738
Unrealized gain (loss) on marketable equity securities		(158)	(159)	287	(892)
Advertising and promotions		54	33	124	146
Data processing		225	221	672	630
Occupancy and equipment		285	326	922	1,010
FDIC assessment		61	36	182	99
Other		979	1,107	2,864	3,149
Total noninterest expense		3,710	4,251	12,843	11,880
(Loss) income before income taxes		(2,216)	145	(3,509)	(344)
Income tax expense (benefit)		1,425	21	1,001	(172)
Net (loss) income		$ (3,641)	$ 124	$ (4,510)	$ (172)
Loss per share:
Basic		$ (0.66)	$ 0.02	$ (0.81)	$ (0.03)
Diluted	[1],[2]	$ (0.66)	$ 0.02	$ (0.81)	$ (0.03)
Average common shares outstanding:
Basic		5,534,711	5,810,185	5,538,509	5,842,184
Diluted	[2]	5,534,711	5,983,241	5,538,509	5,842,184

[1] For the three and nine months ended September 30, 2023 and the nine months ended September 30, 2022, the effect of stock options was anti-dilutive due to the net loss and therefore no dilutive shares are included in the weighted average shares outstanding or diluted loss calculations.

[2] Diluted loss per share and average shares outstanding excludes all common shares if their effect is anti-dilutive.