Consolidated Statements of Operations - USD ($)		3 Months Ended		9 Months Ended
		Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Interest and dividend income:
Loans, including fees		$ 4,800,000	$ 4,423,000	$ 14,535,000	$ 12,487,000
Securities, taxable		946,000	656,000	2,993,000	1,847,000
Other		273,000	292,000	729,000	767,000
Total interest and dividend income		6,019,000	5,371,000	18,257,000	15,101,000
Interest expense:
Interest-bearing deposits		2,521,000	1,832,000	7,418,000	4,111,000
Borrowed funds		491,000	586,000	1,605,000	1,733,000
Other interest-bearing funds		2,000	1,000	5,000	4,000
Total interest expense		3,014,000	2,419,000	9,028,000	5,848,000
Net interest income		3,005,000	2,952,000	9,229,000	9,253,000
Provision for credit losses		75,000	75,000	225,000	225,000
Net interest income after provision for credit losses		2,930,000	2,877,000	9,004,000	9,028,000
Noninterest income:
Service charges and other fees		238,000	235,000	678,000	699,000
Loan servicing, net		179,000	172,000	506,000	502,000
Net gain on sale of loans		118,000	73,000	325,000	141,000
Net (loss) on sale of securities			(1,925,000)		(1,925,000)
Increase in cash surrender value of insurance		115,000	107,000	337,000	324,000
Unrealized gain (loss) on marketable equity securities		248,000	(158,000)	726,000	287,000
Other		2,000	113,000	48,000	278,000
Total noninterest income		900,000	(1,383,000)	2,620,000	306,000
Noninterest expense:
Salaries and employee benefits		2,545,000	2,264,000	7,460,000	7,792,000
Unrealized gain (loss) on marketable equity securities		248,000	(158,000)	726,000	287,000
Advertising and promotions		9,000	54,000	25,000	124,000
Data processing		195,000	225,000	619,000	672,000
Occupancy and equipment		281,000	285,000	847,000	922,000
FDIC assessment		89,000	61,000	247,000	182,000
Other		920,000	979,000	3,238,000	2,864,000
Total noninterest expense		4,287,000	3,710,000	13,162,000	12,843,000
(Loss) income before income taxes		(457,000)	(2,216,000)	(1,538,000)	(3,509,000)
Income tax expense (benefit)		(298,000)	1,425,000	(557,000)	1,001,000
Net Income (Loss)		$ (159,000)	$ (3,641,000)	$ (981,000)	$ (4,510,000)
Loss per share:
Basic		$ (0.03)	$ (0.66)	$ (0.18)	$ (0.81)
Diluted	[1],[2]	$ (0.03)	$ (0.66)	$ (0.18)	$ (0.81)
Average common shares outstanding:
Basic		5,433,940	5,534,711	5,449,643	5,538,509
Diluted	[2]	5,433,940	5,534,711	5,449,643	5,538,509

[1] For the three and nine months ended September 30, 2024 and September 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.