Consolidated Statements of Income (Unaudited) - USD ($)	3 Months Ended
	Mar. 31, 2025	Mar. 31, 2024
Interest and dividend income:
Loans, including fees	$ 7,781,000	$ 7,467,000
Taxable securities	1,365,000	1,465,000
Tax-exempt securities	30,000	30,000
Other interest income	17,000	43,000
Total interest income	9,193,000	9,005,000
Interest expense:
Deposits	2,803,000	2,642,000
Short-term borrowings and repurchase agreements	531,000	698,000
Long-term debt	30,000	117,000
Other interest bearing liabilities	7,000	9,000
Total interest expense	3,371,000	3,466,000
Net interest income	5,822,000	5,539,000
Provision for credit losses	104,000	120,000
Net interest income after provision for credit losses	5,718,000	5,419,000
Non-interest income:
Earnings on bank-owned life insurance and annuities	57,000	56,000
Change in value of equity securities	(28,000)	(13,000)
Other non-interest income	88,000	98,000
Total non-interest income	1,346,000	1,296,000
Non-interest expense:
Employee compensation expense	1,975,000	2,208,000
Employee benefits	546,000	645,000
Occupancy	366,000	332,000
Equipment	217,000	143,000
Data processing expense	629,000	663,000
Professional fees	206,000	254,000
Taxes, other than income	31,000	56,000
FDIC Insurance premiums	135,000	155,000
Amortization of intangible assets	18,000	22,000
Amortization of investment in low income housing partnerships	81,000	81,000
Other non-interest expense	481,000	600,000
Total non-interest expense	4,685,000	5,159,000
Income before income taxes	2,379,000	1,556,000
Income tax provision	371,000	201,000
Net income	$ 2,008,000	$ 1,355,000
Earnings per share
Basic (in dollars per share)	$ 0.4	$ 0.27
Diluted (in dollars per share)	$ 0.4	$ 0.27
Customer service fees
Non-interest income:
Non-interest income	$ 460,000	$ 371,000
Debit card fee income
Non-interest income:
Non-interest income	422,000	404,000
Trust fees
Non-interest income:
Non-interest income	131,000	107,000
Commissions from sales of non-deposit products
Non-interest income:
Non-interest income	101,000	102,000
Fees derived from loan activity
Non-interest income:
Non-interest income	$ 115,000	$ 171,000