Consolidated Statements of Income (Unaudited) - USD ($)	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Interest and dividend income:
Loans, including fees	$ 7,467,000	$ 6,120,000
Taxable securities	1,465,000	1,580,000
Tax-exempt securities	30,000	36,000
Other interest income	43,000	16,000
Total interest income	9,005,000	7,752,000
Interest expense:
Deposits	2,642,000	1,443,000
Short-term borrowings and repurchase agreements	698,000	415,000
Long-term debt	117,000	116,000
Other interest bearing liabilities	9,000	10,000
Total interest expense	3,466,000	1,984,000
Net interest income	5,539,000	5,768,000
Provision for credit losses	120,000	243,000
Net interest income after provision for credit losses	5,419,000	5,525,000
Non-interest income:
Earnings on bank-owned life insurance and annuities	56,000	55,000
Change in value of equity securities	(13,000)	(22,000)
Other non-interest income	100,000	107,000
Total non-interest income	1,296,000	1,213,000
Non-interest expense:
Employee compensation expense	2,208,000	2,035,000
Employee benefits	645,000	735,000
Occupancy	332,000	304,000
Equipment	143,000	165,000
Data processing expense	663,000	597,000
Professional fees	254,000	195,000
Taxes, other than income	56,000	109,000
FDIC Insurance premiums	155,000	71,000
Amortization of intangible assets	22,000	11,000
Amortization of investment in low-income housing partnerships	81,000	112,000
Other non-interest expense	600,000	424,000
Total non-interest expense	5,159,000	4,758,000
Income before income taxes	1,556,000	1,980,000
Income tax provision	201,000	247,000
Net income	$ 1,355,000	$ 1,733,000
Earnings per share
Basic (in dollars per share)	$ 0.27	$ 0.35
Diluted (in dollars per share)	$ 0.27	$ 0.35
Customer service fees
Non-interest income:
Non-interest income	$ 371,000	$ 323,000
Debit card fee Income
Non-interest income:
Non-interest income	404,000	417,000
Trust fees
Non-interest income:
Non-interest income	107,000	132,000
Commissions from sales of non-deposit products
Non-interest income:
Non-interest income	102,000	95,000
Fees derived from loan activity
Non-interest income:
Non-interest income	159,000	93,000
Mortgage banking income
Non-interest income:
Non-interest income	$ 10,000	$ 13,000