CONSOLIDATED BALANCE SHEETS - USD ($)	Sep. 30, 2021	Dec. 31, 2020
ASSETS
Cash and due from banks	$ 2,826,000	$ 2,117,000
Interest-bearing deposits in other financial institutions	28,638,000	34,976,000
Cash and Cash Equivalents	31,464,000	37,093,000
Investment securities available for sale, at fair value	162,827,000	114,049,000
Restricted equity securities, at cost	1,062,000	1,199,000
Loans, net of deferred fees and costs	224,674,000	253,772,000
Less: Allowance for credit losses (1)	(2,790,000)	(1,476,000)
Loans, net	221,884,000	252,296,000
Real estate acquired through foreclosure	0	575,000
Premises and equipment, net	3,654,000	3,853,000
Bank owned life insurance	8,298,000	8,181,000
Deferred tax assets, net	1,409,000	142,000
Accrued interest receivable	1,304,000	1,302,000
Accrued taxes receivable	91,000	116,000
Prepaid expenses	470,000	318,000
Other assets	352,000	362,000
Total Assets	432,815,000	419,486,000
LIABILITIES
Noninterest-bearing deposits	147,809,000	132,626,000
Interest-bearing deposits	226,700,000	216,994,000
Total Deposits	374,509,000	349,620,000
Short-term borrowings	20,000,000	29,912,000
Defined pension liability	301,000	285,000
Accrued expenses and other liabilities	3,040,000	2,576,000
Total Liabilities	397,850,000	382,393,000
STOCKHOLDERS' EQUITY
Common stock, par value $1, authorized 15,000,000 shares, issued and outstanding 2,851,070 and 2,842,040 shares as of September 30, 2021 and December 31, 2020, respectively.	2,851,000	2,842,000
Additional paid-in capital	10,731,000	10,640,000
Retained earnings	22,708,000	23,071,000
Accumulated other comprehensive (loss) gain	(1,325,000)	540,000
Total Stockholders' Equity	34,965,000	37,093,000
Total Liabilities and Stockholders' Equity	$ 432,815,000	$ 419,486,000