CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Cash flows from operating activities:
Net (loss) income	$ (112)	$ 1,429
Adjustments to reconcile net (loss) income to net cash provided by operating activities:
Depreciation and amortization of premises and equipment	238	227
Net amortization and (accretion) on AFS investments	166	(108)
Provision of credit loss allowance	844	96
Deferred income taxes, net	(415)	(84)
Increase in cash surrender value of bank owned life insurance	(177)	(164)
Decrease in ground rents	8	1
Increase in accrued interest receivable	(154)	(33)
Net increase in other assets	(60)	(106)
Net (decrease) increase in accrued expenses and other liabilities	(310)	141
Net cash provided by operating activities	28	1,399
Cash flows from investing activities:
Redemptions, sales and maturities of investment securities available for sale	30,455	18,523
Purchases of investment securities available for sale		(9,747)
Purchase of Federal Home Loan Bank stock, net	(454)	(996)
Net (increase) decrease in loans	(29,073)	10,032
Purchases of premises and equipment	(81)	(152)
Net cash provided by investing activities	847	17,660
Cash flows from financing activities:
Net increase (decrease) in deposits	9,122	(62,881)
Net increase in short term borrowings		30,000
Cash dividends paid	(865)	(1,149)
Common stock dividends reinvested	91	120
Net cash provided (used) by financing activities	8,348	(33,910)
Net increase (decrease) in cash and cash equivalents	9,223	(14,851)
Cash and cash equivalents at beginning of year	15,241	30,092
Cash and cash equivalents at end of year	24,464	15,241
Supplemental Disclosures of Cash Flow Information:
Interest paid on deposits and borrowings	4,202	1,127
Income taxes (refunded) paid		436
Income taxes (refunded) paid	(163)
Net (increase) decrease in unrealized depreciation on available for sale securities	$ 857	$ (3,961)