Consolidated Statements of Net Income (Unaudited) - USD ($)	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019
Interest and dividend income:
Loans receivable, including fees	$ 7,981,000	$ 8,231,000
Securities:
Taxable	664,000	492,000
Exempt from federal income tax	84,000	122,000
Federal bank stocks	108,000	100,000
Interest earning deposits with banks	66,000	47,000
Total interest and dividend income	8,903,000	8,992,000
Interest expense:
Deposits	1,940,000	1,471,000
Borrowed funds	273,000	301,000
Total interest expense	2,213,000	1,772,000
Net interest income	6,690,000	7,220,000
Provision for loan losses	792,000	180,000
Net interest income after provision for loan losses	5,898,000	7,040,000
Noninterest income:
Fees and service charges	451,000	555,000
Net realized gain on sales of securities	78,000	2,000
Net gain on sales of loans		14,000
Earnings on bank-owned life insurance	94,000	95,000
Other	402,000	391,000
Total noninterest income	1,025,000	1,057,000
Noninterest expense:
Compensation and employee benefits	2,912,000	2,917,000
Premises and equipment	794,000	886,000
Intangible asset amortization	42,000	46,000
Professional fees	221,000	221,000
Federal deposit insurance	103,000	136,000
Other	1,418,000	1,353,000
Total noninterest expense	5,490,000	5,559,000
Income before provision for income taxes	1,433,000	2,538,000
Provision for income taxes	243,000	456,000
Net income	$ 1,190,000	$ 2,082,000
Basic earnings per common share (in dollars per share)	$ 0.44	$ 0.77
Diluted earnings per common share (in dollars per share)	$ 0.44	$ 0.77
Average common shares outstanding - basic (in shares)	2,708,712	2,698,712
Average common shares outstanding - diluted (in shares)	2,723,610	2,712,418