CONSOLIDATED STATEMENTS OF INCOME - USD ($)	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
INTEREST INCOME
Loans receivable, including fees	$ 6,127,000	$ 6,965,000
Investment securities	1,480,000	674,000
Other	407,000	60,000
Total interest income	8,014,000	7,699,000
INTEREST EXPENSE
Deposits	402,000	523,000
Advances from Federal Home Loan Bank	281,000	272,000
Total interest expense	683,000	795,000
Net interest income	7,331,000	6,904,000
Provision for (reversal of) loan losses	(375,000)	(660,000)
Net interest income after provision for (reversal of) loan losses	7,706,000	7,564,000
NON-INTEREST INCOME
Service charges on deposit accounts	731,000	641,000
Gain (loss) on disposals and sales of fixed assets	(77,000)	25,000
Bank-owned life insurance	314,000	90,000
Federal community development grant	171,000	1,826,000
Other	34,000	44,000
Total non-interest income	1,173,000	2,626,000
NON-INTEREST EXPENSE
Salaries and employee benefits	4,822,000	4,631,000
Occupancy and equipment	833,000	774,000
Data processing and communication	841,000	777,000
Professional fees	538,000	388,000
Directors' fees	302,000	279,000
ATM and debit card	245,000	201,000
Foreclosed assets, net	5,000	90,000
Advertising and marketing	240,000	43,000
Franchise and shares tax	115,000
Regulatory fees and assessments	134,000	123,000
Insurance	135,000	63,000
Printing, supplies and postage	143,000	115,000
Other	367,000	307,000
Total non-interest expense	8,720,000	7,791,000
Income before income tax expense (benefit)	159,000	2,399,000
Income tax expense (benefit)	(21,000)	484,000
NET INCOME	$ 180,000	$ 1,915,000
Earnings per share - basic	$ 0.04	$ 0.39
Earnings per share - diluted	$ 0.04