CONSOLIDATED STATEMENTS OF INCOME AND COMPREHENSIVE INCOME (Unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019
INTEREST INCOME
Loans receivable, including fees	$ 19,330	$ 18,160
Securities:
Taxable	1,508	1,175
Tax-exempt	119	448
Interest bearing deposits	20	49
Total Interest Income	20,977	19,832
INTEREST EXPENSE
Deposits	4,340	3,864
Borrowings	1,141	1,214
Subordinated debentures	316	315
Total Interest Expense	5,797	5,393
Net Interest Income	15,180	14,439
PROVISION FOR LOAN LOSSES	879	571
Net Interest Income after Provision for Loan Losses	14,301	13,868
NON -INTEREST INCOME
Bank-owned life insurance	228	230
Investment brokerage fees	15	56
Total Non-Interest Income	3,681	3,633
NON-INTEREST EXPENSES
Salaries and employee benefits	6,770	6,130
Occupancy, net	879	779
Data processing	1,054	940
Furniture and equipment	318	318
Advertising and promotion	112	132
Professional fees	443	462
Director fees	177	145
FDIC assessment	252	166
Insurance	32	30
Stationary and supplies	91	84
Merger-related expenses	315	0
Loan collection costs	75	120
Net expenses and write-downs related to foreclosed real estate	90	65
Amortization of intangible assets	91	102
Other	668	705
Total Non-Interest Expenses	11,367	10,178
Income before Income Taxes	6,615	7,323
EXPENSE FOR INCOME TAXES	1,487	1,500
Net Income	5,128	5,823
OTHER COMPREHENSIVE INCOME:
Unrealized gain (loss) on available for sale securities arising during the period	1,073	2,912
Fair value adjustments on derivatives	(13,933)	(1,734)
Income tax related to items of other comprehensive income	3,836	(302)
Other comprehensive (loss), net of income taxes	(9,024)	876
Comprehensive income	$ (3,896)	$ 6,699
EARNINGS PER SHARE
Basic (in dollars per share)	$ 0.55	$ 0.62
Diluted (in dollars per share)	$ 0.55	$ 0.62
Service fees on deposit accounts
NON -INTEREST INCOME
Revenue from contract with customer	$ 319	$ 330
ATM and debit card fees
NON -INTEREST INCOME
Revenue from contract with customer	245	231
Insurance commissions and fees
NON -INTEREST INCOME
Revenue from contract with customer	2,598	2,562
Other
NON -INTEREST INCOME
Revenue from contract with customer	$ 276	$ 224