CONSOLIDATED STATEMENTS OF INCOME (UNAUDITED) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2020	Jun. 30, 2019	Jun. 30, 2020	Jun. 30, 2019
Interest and dividend income:
Loans, including fees	$ 10,639	$ 11,302	$ 21,512	$ 23,214
Securities
Taxable	591	656	1,188	1,274
Tax exempt	74	84	147	168
Dividends	64	104	130	217
Interest-bearing deposits with banks	18	325	180	644
Other Interest	13	12	27	24
Total interest and dividend income	11,399	12,483	23,184	25,541
Interest expense:
Deposits	1,367	1,512	2,876	2,854
Other borrowed funds	187	226	387	461
Subordinated debentures	50	92	122	186
Total interest expense	1,604	1,830	3,385	3,501
Net interest income	9,795	10,653	19,799	22,040
Provision for (recovery of) loan losses	(393)	(806)	3,453	1,571
Net interest income after provision for loan losses	10,188	11,459	16,346	20,469
Noninterest income:
Service Charges on Deposit Accounts	333	517	826	1,020
Trust fees	61	72	129	136
Income from bank owned life insurance and annuity assets	192	177	409	355
Mortgage banking income	431	78	521	147
Debit / credit card interchange income	930	972	1,873	1,886
Gain (loss) on other real estate owned	18	14	(83)	14
Tax preparation fees	19	0	634	0
Litigation settlement	0	0	2,000	0
Other	265	173	382	291
Total noninterest income	2,249	2,003	6,691	3,849
Noninterest expense:
Salaries and employee benefits	5,426	5,527	10,881	11,063
Occupancy	449	438	881	891
Furniture and equipment	278	270	540	533
Professional fees	473	689	1,071	1,361
Marketing expense	293	270	561	540
FDIC insurance	24	110	24	113
Data processing	704	554	1,303	1,089
Software	412	427	793	838
Foreclosed assets	36	19	79	125
Amortization of intangibles	17	31	34	62
Other	1,490	1,456	2,954	2,744
Total noninterest expense	9,602	9,791	19,121	19,359
Income before income taxes	2,835	3,671	3,916	4,959
Provision for income taxes	572	592	651	687
NET INCOME	$ 2,263	$ 3,079	$ 3,265	$ 4,272
Earnings per share (in dollars per share)	$ 0.47	$ 0.65	$ 0.68	$ 0.90