CONSOLIDATED STATEMENTS OF INCOME - USD ($)	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019
INTEREST INCOME
Interest and fees on loans	$ 3,071,000	$ 3,189,000
Interest and dividends on securities	381,000	400,000
Interest on deposits with banks and federal funds sold	47,000	120,000
Total Interest Income	3,499,000	3,709,000
INTEREST EXPENSE
Interest on deposits	325,000	332,000
Interest on short-term borrowings	126,000	238,000
Total Interest Expense	451,000	570,000
Net Interest Income	3,048,000	3,139,000
Provision for loan losses	(80,000)	173,000
Net interest income after provision for loan losses	3,128,000	2,966,000
NONINTEREST INCOME
Gain on securities sold	1,000	3,000
Income on life insurance	39,000	40,000
Total Noninterest Income	255,000	282,000
NONINTEREST EXPENSE
Salary and benefits	1,705,000	1,770,000
Occupancy and equipment expenses	331,000	314,000
Legal, accounting and other professional fees	252,000	232,000
Data processing and item processing services	234,000	176,000
FDIC insurance costs	51,000	56,000
Advertising and marketing related expenses	25,000	27,000
Loan collection costs	67,000	13,000
Telephone costs	47,000	66,000
Other expenses	328,000	423,000
Total Noninterest Expenses	3,040,000	3,077,000
Income before income taxes	343,000	171,000
Income tax expense	75,000	36,000
NET INCOME	$ 268,384	$ 135,025
Basic and diluted net income per share of common stock	$ 0.09	$ 0.05
Service charges on deposit accounts
NONINTEREST INCOME
Noninterest Income	$ 56,000	$ 61,000
Other fees and commissions
NONINTEREST INCOME
Noninterest Income	$ 159,000	$ 178,000