CONSOLIDATED STATEMENTS OF INCOME - USD ($)	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
INTEREST INCOME
Interest and fees on loans	$ 2,908,000	$ 2,145,000	$ 7,648,000	$ 6,368,000
Interest and dividends on securities	814,000	1,101,000	2,605,000	3,065,000
Interest on deposits with banks and federal funds sold	237,000	104,000	1,004,000	469,000
Total Interest Income	3,959,000	3,350,000	11,257,000	9,902,000
INTEREST EXPENSE
Interest on deposits	730,000	116,000	1,716,000	337,000
Interest on short-term borrowings	408,000	282,000	1,363,000	320,000
Total Interest Expense	1,138,000	398,000	3,079,000	657,000
Net Interest Income	2,821,000	2,952,000	8,178,000	9,245,000
Provision for credit losses	78,000	(92,000)	773,000	(7,000)
Net interest income after credit loss provision	2,743,000	3,044,000	7,405,000	9,252,000
NONINTEREST INCOME
Service charges on deposit accounts	36,000	40,000	109,000	120,000
Other fees and commissions	273,000	233,000	584,000	560,000
Income on life insurance	45,000	42,000	132,000	120,000
Total Noninterest Income	354,000	315,000	825,000	800,000
NONINTEREST EXPENSE
Salary and benefits	1,654,000	1,691,000	4,872,000	5,089,000
Occupancy and equipment expenses	327,000	329,000	996,000	955,000
Legal, accounting and other professional fees	267,000	194,000	769,000	692,000
Data processing and item processing services	263,000	206,000	755,000	755,000
FDIC insurance costs	41,000	40,000	119,000	122,000
Advertising and marketing related expenses	40,000	26,000	88,000	72,000
Loan collection costs	5,000	10,000	11,000	13,000
Telephone costs	41,000	38,000	110,000	113,000
Other expenses	380,000	287,000	1,052,000	880,000
Total Noninterest Expenses	3,018,000	2,821,000	8,772,000	8,691,000
(Loss) income before income taxes	79,000	538,000	(542,000)	1,361,000
Income tax (benefit) expense	(50,000)	(13,000)	(470,000)	99,000
NET (LOSS) INCOME	$ 129,191	$ 551,000	$ (72,131)	$ 1,261,822
Basic net (loss) income per share of common stock (in dollars per share)	$ 0.04	$ 0.19	$ (0.02)	$ 0.44
Diluted net (loss) income per share of common stock (in dollars per share)	$ 0.04	$ 0.19	$ (0.02)	$ 0.44