CONSOLIDATED STATEMENTS OF INCOME (LOSS) (UNAUDITED) - USD ($)		3 Months Ended		9 Months Ended
		Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Interest and dividend income:
Interest and fees on loans		$ 5,101,000	$ 4,281,000	$ 14,646,000	$ 12,215,000
Interest on debt securities:
Taxable		955,000	385,000	2,746,000	1,087,000
Non-taxable		441,000	443,000	1,322,000	1,305,000
Total interest on debt securities		1,396,000	828,000	4,068,000	2,392,000
Dividends		53,000	54,000	184,000	185,000
Total interest and dividend income		6,550,000	5,163,000	18,898,000	14,792,000
Interest expense:
Interest on deposits		2,711,000	1,668,000	6,932,000	3,454,000
Interest on borrowings		857,000	928,000	3,069,000	2,593,000
Total interest expense		3,568,000	2,596,000	10,001,000	6,047,000
Net interest and dividend income		2,982,000	2,567,000	8,897,000	8,745,000
Provision (release) for credit losses		16,000	120,000	(20,000)	170,000
Net interest and dividend income after provision (release) for credit losses		2,966,000	2,447,000	8,917,000	8,575,000
Non-interest income:
Customer service fees		181,000	177,000	543,000	582,000
Gain on sale of loans		12,000		20,000
Gain on sale of land and buildings				2,522,000
Gain on termination of interest rate swaps					849,000
Income from bank-owned life insurance		45,000	41,000	86,000	81,000
Loan servicing fee income		7,000	9,000	31,000	47,000
Investment services fees		106,000	65,000	319,000	220,000
Other income		13,000	22,000	33,000	42,000
Total non-interest income		364,000	314,000	3,554,000	1,821,000
Non-interest expense:
Salaries and employee benefits		2,317,000	2,486,000	6,894,000	7,328,000
Director compensation		114,000	46,000	295,000	234,000
Occupancy expense		319,000	205,000	691,000	584,000
Equipment expense		73,000	115,000	275,000	342,000
Marketing		103,000	174,000	289,000	378,000
Data processing		344,000	404,000	1,039,000	1,192,000
Deposit insurance fees		82,000	62,000	302,000	194,000
Professional fees and assessments		246,000	196,000	898,000	726,000
Debit card fees		35,000	58,000	94,000	157,000
Employee travel and education expenses		41,000	42,000	119,000	136,000
Other expense		252,000	311,000	856,000	779,000
Total non-interest expense		3,926,000	4,099,000	11,752,000	12,050,000
(Loss) income before income tax benefit		(596,000)	(1,338,000)	719,000	(1,654,000)
Income tax benefit		(640,000)	(427,000)	(176,000)	(667,000)
Net Income (Loss)		$ 44,000	$ (911,000)	$ 895,000	$ (987,000)
Income (loss) per share:
Basic		$ 0.01	$ (0.2)	$ 0.2	$ (0.21)
Diluted	[1]	$ 0.01	$ (0.2)	$ 0.19	$ (0.21)
Weighted Average Shares:
Basic		4,101,543	4,638,225	4,447,432	4,648,651
Diluted	[1]	4,342,755	4,638,225	4,684,892	4,648,651

[1] Not adjusted for potentially dilutive shares for periods where a net loss was recognized. The three and nine months ended September 30, 2023 excludes 32,393 of stock-based awards that could potentially dilute basic earnings per share in the future that were not included in the computation of diluted earnings per share because to do so would have been antidilutive for the periods presented.