CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($)	6 Months Ended
	Jun. 30, 2019	Jun. 30, 2018
Cash flows from operating activities:
Net income	$ 454,300	$ 733,154
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation, amortization, and accretion of premises and equipment	550,000	579,000
Provision for loan losses	204,000	355,000
Gain on life insurance		(308,000)
(Decrease) increase in cash surrender value of bank owned life insurance	(81,000)	935,000
(Decrease) increase in ground rents		3,000
Decrease in ground rents	(3,000)
Decrease (increase) in accrued interest receivable	206,000	(9,000)
Net (increase) in other assets	(338,000)	(232,000)
Net decrease (increase) in accrued expenses and other liabilities	177,000	(51,000)
Net cash provided by operating activities	1,169,000	2,005,000
Cash flows from investing activities:
Redemptions and maturities of investment securities available for sale	25,125,000	5,557,000
Purchases of investment securities available for sale	(3,255,000)	(5,440,000)
Net sales (purchase) of Federal Home Loan Bank stock	1,254,000	(211,000)
Net decrease (increase) in loans	7,596,000	(18,457,000)
Purchases of premises and equipment	(137,000)	(61,000)
Net cash provided by (used in) investing activities	30,583,000	(18,612,000)
Cash flows from financing activities:
Net (decrease) increase in deposits	(2,275,000)	7,569,000
(Decrease) increase in short term borrowings	(35,000,000)	5,000,000
Cash dividends paid	(563,000)	(560,000)
Common stock dividends reinvested	70,000	75,000
Net cash (used in) provided by financing activities	(37,768,000)	12,084,000
Net (decrease) in cash and cash equivalents	(6,016,000)	(4,523,000)
Cash and cash equivalents at beginning of year	15,954,000	12,605,000
Cash and cash equivalents at end of year	9,938,000	8,082,000
Supplemental Disclosures of Cash Flow Information:
Interest paid on deposits and borrowings	1,048,000	908,000
Net income taxes paid (refunded)		(573,000)
Income taxes refunded	120,000
Net decrease (increase) in unrealized depreciation on available for sale securities	1,831,000	(1,576,000)
Net (increase) decrease in unrealized appreciation on swaps	$ (620,000)	$ 546,000