Consolidated Statements of Operations - USD ($)		3 Months Ended		6 Months Ended
		Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Interest and dividend income:
Loans, including fees		$ 4,934,000	$ 4,238,000	$ 9,734,000	$ 8,064,000
Securities, taxable		1,007,000	588,000	2,047,000	1,191,000
Other		262,000	191,000	456,000	476,000
Total interest and dividend income		6,203,000	5,017,000	12,237,000	9,731,000
Interest expense:
Interest-bearing deposits		2,506,000	1,296,000	4,897,000	2,278,000
Borrowed funds		536,000	654,000	1,114,000	1,148,000
Other interest-bearing funds		2,000	1,000	3,000	3,000
Total interest expense		3,044,000	1,951,000	6,014,000	3,429,000
Net interest income		3,159,000	3,066,000	6,223,000	6,302,000
Provision for credit losses		75,000	75,000	150,000	150,000
Net interest income after provision for credit losses		3,084,000	2,991,000	6,073,000	6,152,000
Noninterest income:
Service charges and other fees		221,000	239,000	440,000	464,000
Loan servicing, net		164,000	157,000	327,000	330,000
Net gain on sale of loans		140,000	30,000	207,000	68,000
Increase in cash surrender value of insurance		112,000	110,000	222,000	217,000
Unrealized gain on marketable equity securities		141,000	225,000	478,000	444,000
Other		38,000	159,000	46,000	165,000
Total noninterest income		816,000	920,000	1,720,000	1,688,000
Noninterest expense:
Salaries and employee benefits		2,550,000	2,835,000	4,915,000	5,529,000
Unrealized gain on marketable equity securities		141,000	225,000	478,000	444,000
Advertising and promotions		7,000	21,000	15,000	71,000
Data processing		197,000	222,000	424,000	446,000
Occupancy and equipment		267,000	299,000	566,000	637,000
FDIC assessment		76,000	85,000	158,000	121,000
Other		1,337,000	1,005,000	2,318,000	1,885,000
Total noninterest expense		4,575,000	4,692,000	8,874,000	9,133,000
(Loss) income before income taxes		(675,000)	(781,000)	(1,081,000)	(1,293,000)
Income tax expense (benefit)		(159,000)	(273,000)	(259,000)	(424,000)
Net Income (Loss)		$ (516,000)	$ (508,000)	$ (822,000)	$ (869,000)
Loss per share:
Basic		$ (0.09)	$ (0.09)	$ (0.15)	$ (0.16)
Diluted	[1],[2]	$ (0.09)	$ (0.09)	$ (0.15)	$ (0.16)
Average common shares outstanding:
Basic		5,447,507	5,545,335	5,449,648	5,548,562
Diluted	[2]	5,447,507	5,545,335	5,449,648	5,548,562

[1] For the three and six months ended June 30, 2024 and June 30, 2023, 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.