Consolidated Statements of Income (Unaudited) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2019	Sep. 30, 2018
INTEREST AND DIVIDEND INCOME
Interest and fees on loans	$ 6,257	$ 6,009	$ 19,250	$ 17,336
Interest and dividends on investment securities:
Taxable interest	382	522	1,440	1,553
Nontaxable interest	466	355	1,187	1,140
Dividends	29	35	103	109
Other interest income	90	41	235	122
Total interest and dividend income	7,224	6,962	22,215	20,260
INTEREST EXPENSE
Deposits	1,238	909	3,607	2,548
Securities sold under agreements to repurchase	1	1	4	4
Federal Home Loan Bank advances - short term	17	107	128	252
Federal Home Loan Bank advances - long term	96	81	271	205
Subordinated debt	50	50	157	138
Total interest expense	1,402	1,148	4,167	3,147
Net interest income	5,822	5,814	18,048	17,113
PROVISION FOR LOAN LOSSES	180	75	535	650
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES	5,642	5,739	17,513	16,463
NON-INTEREST INCOME
Fees for customer services	617	569	1,701	1,708
Investment securities available-for-sale losses, net			(44)	(21)
Mortgage banking gains, net	492	272	1,173	771
Earnings on bank-owned life insurance	86	82	296	1,790
Other non-interest income	232	225	557	489
Total non-interest income	1,427	1,148	3,683	4,737
NON-INTEREST EXPENSES
Salaries and employee benefits	2,622	2,592	8,436	7,659
Occupancy and equipment	610	536	1,765	1,683
State and local taxes	130	123	389	373
FDIC insurance	(8)	44	107	132
Professional fees	348	254	816	652
Advertising and marketing	78	76	276	239
Data processing fees	72	56	215	183
Other operating expenses	909	848	2,848	2,519
Total non-interest expenses	4,761	4,529	14,852	13,440
INCOME BEFORE FEDERAL INCOME TAX EXPENSE	2,308	2,358	6,344	7,760
Federal income tax expense	363	386	966	949
NET INCOME	$ 1,945	$ 1,972	$ 5,378	$ 6,811
EARNINGS PER SHARE BASIC AND DILUTED	$ 0.45	$ 0.46	$ 1.24	$ 1.56
CASH DIVIDENDS DECLARED PER SHARE	$ 0.11	$ 0.16	$ 0.38	$ 0.38