CONSOLIDATED STATEMENTS OF INCOME - USD ($)	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
INTEREST INCOME
Interest and fees on loans	$ 2,525,000	$ 2,135,000	$ 4,740,000	$ 4,223,000
Interest and dividends on securities	854,000	999,000	1,791,000	1,964,000
Interest on deposits with banks and federal funds sold	514,000	133,000	767,000	365,000
Total Interest Income	3,893,000	3,267,000	7,298,000	6,552,000
INTEREST EXPENSE
Interest on deposits	584,000	115,000	986,000	222,000
Interest on short-term borrowings	523,000	38,000	955,000	38,000
Total Interest Expense	1,107,000	153,000	1,941,000	260,000
Net Interest Income	2,786,000	3,114,000	5,357,000	6,292,000
Provision for credit losses	526,000	127,000	694,000	85,000
Net interest income after credit loss provision	2,260,000	2,987,000	4,663,000	6,207,000
NONINTEREST INCOME
Service charges on deposit accounts	35,000	38,000	73,000	80,000
Other fees and commissions	162,000	161,000	311,000	326,000
Income on life insurance	44,000	40,000	87,000	79,000
Total Noninterest Income	241,000	239,000	471,000	485,000
NONINTEREST EXPENSE
Salary and benefits	1,601,000	1,701,000	3,219,000	3,398,000
Occupancy and equipment expenses	338,000	299,000	669,000	627,000
Legal, accounting and other professional fees	248,000	235,000	502,000	498,000
Data processing and item processing services	243,000	281,000	492,000	549,000
FDIC insurance costs	40,000	37,000	78,000	82,000
Advertising and marketing related expenses	25,000	23,000	48,000	45,000
Loan collection costs		2,000	6,000	3,000
Telephone costs	29,000	34,000	69,000	75,000
Other expenses	370,000	313,000	672,000	593,000
Total Noninterest Expenses	2,894,000	2,925,000	5,755,000	5,870,000
(Loss) income before income taxes	(393,000)	301,000	(621,000)	822,000
Income tax (benefit) expense	(189,000)	25,000	(420,000)	112,000
NET (LOSS) INCOME	$ (204,480)	$ 276,000	$ (201,322)	$ 710,381
Basic net (loss) income per share of common stock (in dollars per share)	$ (0.07)	$ 0.10	$ (0.07)	$ 0.25
Diluted net (loss) income per share of common stock (in dollars per share)	$ (0.07)	$ 0.10	$ (0.07)	$ 0.25