EARNINGS PER SHARE (“EPS”) (Tables)

9 Months Ended

Sep. 30, 2020

Earnings Per Share [Abstract]

Schedule of Earnings Per Share, Basic and Diluted

Basic and diluted earnings per share have been computed based on weighted-average common and common equivalent shares outstanding as follows:

(dollars in thousands, except per share amounts)	Three Months Ended September 30,				Nine Months Ended September 30,
	2020		2019		2020		2019
Net Income	$	3,799	$	3,693	$	9,997	$	11,197
Average number of common shares outstanding	5,895,074		5,560,878		5,892,107		5,559,622
Dilutive effect of common stock equivalents	—		—		—		—
Average number of shares used to calculate diluted EPS	5,895,074		5,560,878		5,892,107		5,559,622
Earnings Per Common Share
Basic	$	0.64	$	0.66	$	1.70	$	2.01
Diluted	$	0.64	$	0.66	$	1.70	$	2.01