CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($)	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019
Cash flows from operating activities:
Net income	$ 268,384	$ 135,025
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation, amortization, and accretion of premises and equipment	162,000	318,000
Provision for loan losses	(80,000)	173,000
Increase in cash surrender value of bank owned life insurance	(39,000)	(40,000)
Decrease in ground rents		(3,000)
Decrease (increase) in accrued interest receivable	(8,000)	89,000
Net decrease (increase) in other assets	166,000	(61,000)
Net increase in accrued expenses and other liabilities	(613,000)	(416,000)
Net cash (used in) by operating activities	(144,000)	195,000
Cash flows from investing activities:
Redemptions and maturities of investment securities available for sale	3,878,000	22,815,000
Purchases of investment securities available for sale	(1,709,000)	(1,932,000)
Net sales (purchase) of Federal Home Loan Bank stock	238,000	1,041,000
Net decrease (increase) in loans	7,711,000	(408,000)
Purchases of premises and equipment	(282,000)	(47,000)
Net cash provided by investing activities	9,836,000	21,469,000
Cash flows from financing activities:
Net increase in deposits	341,000	9,163,000
(Decrease) increase in short term borrowings	(5,000,000)	(30,000,000)
Cash dividends paid	(283,000)	(282,000)
Common stock dividends reinvested	31,000	36,000
Net cash used financing activities	(4,911,000)	(21,083,000)
Net in cash and cash equivalents	4,781,000	581,000
Cash and cash equivalents at beginning of year	13,290,000	15,954,000
Cash and cash equivalents at end of year	18,071,000	16,535,000
Supplemental Disclosures of Cash Flow Information:
Interest paid on deposits and borrowings	456,000	551,000
Income taxes (refunded)	(31,000)
Income taxes paid		36,000
Net decrease (increase) in unrealized depreciation on available for sale securities	918,000	932,000
Net (increase) decrease in unrealized appreciation on swaps	$ (696,000)	$ (221,000)