Consolidated Statements of Income (Unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
INTEREST AND DIVIDEND INCOME
Interest and fees on loans	$ 6,583	$ 5,588
Interest and dividends on investment securities:
Taxable interest	560	492
Nontaxable interest	353	429
Dividends	36	34
Other interest income	58	28
Total interest and dividend income	7,590	6,571
INTEREST EXPENSE
Deposits	1,161	789
Securities sold under agreements to repurchase	1	1
Federal Home Loan Bank advances - short term	69	91
Federal Home Loan Bank advances - long term	81	58
Subordinated debt	54	40
Total interest expense	1,366	979
Net interest income	6,224	5,592
PROVISION FOR LOAN LOSSES	175	500
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES	6,049	5,092
NON-INTEREST INCOME
Fees for customer services	524	555
Investment securities available-for-sale gains, net		20
Mortgage banking gains, net	337	238
Earnings on bank-owned life insurance	131	77
Other non-interest income	212	122
Total non-interest income	1,204	1,012
NON-INTEREST EXPENSES
Salaries and employee benefits	2,744	2,450
Occupancy and equipment	573	597
State and local taxes	128	125
FDIC insurance	38	44
Professional fees	206	189
Advertising and marketing	95	74
Data processing fees	60	63
Other operating expenses	908	784
Total non-interest expenses	4,752	4,326
INCOME BEFORE FEDERAL INCOME TAX EXPENSE	2,501	1,778
Federal income tax expense	396	241
NET INCOME	$ 2,105	$ 1,537
EARNINGS PER SHARE BASIC AND DILUTED	$ 0.49	$ 0.35
CASH DIVIDENDS DECLARED PER SHARE	$ 0.16	$ 0.11