Consolidated Statements of Income (Unaudited) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
INTEREST AND DIVIDEND INCOME
Interest and fees on loans	$ 5,772	$ 6,257	$ 17,593	$ 19,250
Interest and dividends on investment securities:
Taxable interest	303	382	946	1,440
Nontaxable interest	569	466	1,543	1,187
Dividends	13	29	53	103
Other interest income	14	90	84	235
Total interest and dividend income	6,671	7,224	20,219	22,215
INTEREST EXPENSE
Deposits	752	1,238	2,731	3,607
Securities sold under agreements to repurchase	1	1	4	4
Federal Home Loan Bank advances - short term	5	17	9	128
Federal Home Loan Bank advances - long term	87	96	262	271
Subordinated debt	23	50	91	157
Total interest expense	868	1,402	3,097	4,167
Net interest income	5,803	5,822	17,122	18,048
PROVISION FOR LOAN LOSSES	525	180	1,575	535
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES	5,278	5,642	15,547	17,513
NON-INTEREST INCOME
Fees for customer services	528	617	1,563	1,701
Investment securities available-for-sale gains (losses), net	0	0	18	(44)
Mortgage banking gains, net	1,281	492	2,777	1,173
Earnings on bank-owned life insurance	90	86	278	296
Other non-interest income	66	232	496	557
Total non-interest income	1,965	1,427	5,132	3,683
NON-INTEREST EXPENSES
Salaries and employee benefits	2,598	2,622	7,827	8,436
Occupancy and equipment	608	610	1,913	1,765
State and local taxes	150	130	448	389
FDIC insurance	46	(8)	99	107
Professional fees	287	348	871	816
Advertising and marketing	64	78	156	276
Data processing fees	63	72	204	215
Other operating expenses	905	909	2,761	2,848
Total non-interest expenses	4,721	4,761	14,279	14,852
INCOME BEFORE FEDERAL INCOME TAX EXPENSE	2,522	2,308	6,400	6,344
Federal income tax expense	360	363	935	966
NET INCOME	$ 2,162	$ 1,945	$ 5,465	$ 5,378
EARNINGS PER SHARE BASIC AND DILUTED (in dollars per share)	$ 0.51	$ 0.45	$ 1.30	$ 1.24
CASH DIVIDENDS DECLARED PER SHARE (in dollars per share)	$ 0.14	$ 0.11	$ 0.47	$ 0.38