Consolidated Statements of Income (Unaudited) - USD ($) shares in Thousands, $ in Thousands	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019
INTEREST INCOME
Federal funds sold and interest-bearing deposits	$ 188	$ 221
FHLB stock	109	116
Securities:
Taxable	511	475
Tax-exempt	22	29
Total securities	533	504
Loans:
SBA loans	985	995
Commercial loans	9,933	9,069
Residential mortgage loans	5,770	5,560
Consumer loans	2,067	2,035
Total loans	18,755	17,659
Total interest income	19,585	18,500
INTEREST EXPENSE
Interest-bearing demand deposits	478	409
Savings deposits	851	1,119
Time deposits	2,447	2,007
Borrowed funds and subordinated debentures	565	749
Total interest expense	4,341	4,284
Net interest income	15,244	14,216
Provision for loan losses	1,500	500
Net interest income after provision for loan losses	13,744	13,716
NONINTEREST INCOME
Branch fee income	317	368
Service and loan fee income	376	442
Gain on sale of SBA loans held for sale, net	473	316
Gain on sale of mortgage loans, net	1,051	350
BOLI income	173	151
Net security (losses) gains	(170)	100
Other income	325	295
Total noninterest income	2,545	2,022
NONINTEREST EXPENSE
Compensation and benefits	5,439	4,845
Occupancy	624	694
Processing and communications	708	716
Furniture and equipment	655	659
Professional services	332	288
Loan collection and OREO expenses	186	66
Other loan expenses	89	46
Deposit insurance	88	167
Advertising	290	348
Director fees	200	163
Other expenses	712	486
Total noninterest expense	9,323	8,478
Income before provision for income taxes	6,966	7,260
Provision for income taxes	1,598	1,520
Net income	$ 5,368	$ 5,740
Net income per common share - Basic (in dollars per share)	$ 0.49	$ 0.53
Net income per common share - Diluted (in dollars per share)	$ 0.49	$ 0.52
Weighted average common shares outstanding - Basic (in shares)	10,883	10,801
Weighted average common shares outstanding - Diluted (in shares)	11,037	10,955