CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023
Cash flows from operating activities:
Net (loss) income	$ (72)	$ 1,262
Adjustments to reconcile net (loss) income to net cash provided by (used in) operating activities:
Depreciation and amortization of premises and equipment	244	120
Amortization, and accretion of investment securities available for sale	127	(23)
Provision for credit losses	773	(7)
Increase in cash surrender value of bank owned life insurance	(132)	(121)
Decrease in ground rents	6
(Increase) decrease in accrued interest receivable	(287)	(214)
Net (increase) decrease in other assets	(520)	(224)
Net increase (decrease) in accrued expenses and other liabilities	617	35
Net cash provided by operating activities	756	828
Cash flows from investing activities:
Redemptions and maturities of investment securities available for sale	23,043	6,530
Net sale (purchase) of Federal Home Loan Bank stock	971	(758)
Net (increase) decrease in loans	(30,849)	11,583
Purchase of investment securities available for sale		(9,747)
Purchases of premises and equipment	(131)	(128)
Net cash (used in) / provided by investing activities	(6,966)	7,480
Cash flows from financing activities:
Net increase (decrease) in deposits	14,206	(48,107)
Increase in short term borrowings		25,000
Cash dividends paid	(866)	(861)
Common stock dividends reinvested	91	90
Net cash provided by / (used in) financing activities	13,431	(23,878)
Net increase (decrease) in cash and cash equivalents	7,221	(15,570)
Cash and cash equivalents at beginning of period	15,241	30,092
Cash and cash equivalents at end of period	22,462	14,522
Supplemental Disclosures of Cash Flow Information:
Interest paid on deposits and borrowings	2,169	589
Net income taxes paid		436
Income taxes paid	(104)
Net (increase) decrease in unrealized depreciation on available for sale securities	$ 3,701	$ (4,668)