Consolidated Statements of Income (Unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019
INTEREST AND DIVIDEND INCOME
Interest and fees on loans	$ 6,054	$ 6,583
Interest and dividends on investment securities:
Taxable interest	337	560
Nontaxable interest	467	353
Dividends	16	36
Other interest income	56	58
Total interest and dividend income	6,930	7,590
INTEREST EXPENSE
Deposits	1,096	1,161
Securities sold under agreements to repurchase	1	1
Federal Home Loan Bank advances - short term		69
Federal Home Loan Bank advances - long term	87	81
Subordinated debt	41	54
Total interest expense	1,225	1,366
Net interest income	5,705	6,224
PROVISION FOR LOAN LOSSES	600	175
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES	5,105	6,049
NON-INTEREST INCOME
Fees for customer services	542	524
Mortgage banking gains, net	596	337
Earnings on bank-owned life insurance	93	131
Other non-interest income	221	212
Total non-interest income	1,452	1,204
NON-INTEREST EXPENSES
Salaries and employee benefits	2,766	2,744
Occupancy and equipment	646	573
State and local taxes	146	128
FDIC insurance	6	38
Professional fees	302	206
Advertising and marketing	57	95
Data processing fees	72	60
Other operating expenses	985	908
Total non-interest expenses	4,980	4,752
INCOME BEFORE FEDERAL INCOME TAX EXPENSE	1,577	2,501
Federal income tax expense	206	396
NET INCOME	$ 1,371	$ 2,105
EARNINGS PER SHARE BASIC AND DILUTED	$ 0.32	$ 0.49
CASH DIVIDENDS DECLARED PER SHARE	$ 0.19	$ 0.16