Consolidated Statements of Operations (Unaudited) - USD ($)		3 Months Ended		9 Months Ended
		Sep. 30, 2016	Sep. 30, 2015	Sep. 30, 2016	Sep. 30, 2015
Interest and Dividend Income
Interest and fees on loans		$ 6,188,000	$ 5,879,000	$ 17,811,000	$ 17,349,000
Interest on investment securities		131,000	115,000	405,000	350,000
Dividends on investment securities		88,000	85,000	264,000	202,000
Other interest income		25,000	30,000	94,000	76,000
Total interest and dividend income		6,432,000	6,109,000	18,574,000	17,977,000
Interest Expense
Interest on deposits		549,000	498,000	1,518,000	1,540,000
Interest on Federal Home Loan Bank borrowings		73,000	90,000	258,000	246,000
Interest on subordinated debt		85,000	74,000	250,000	218,000
Interest on other borrowings		9,000	3,000	25,000	3,000
Total interest expense		716,000	665,000	2,051,000	2,007,000
Net interest income		5,716,000	5,444,000	16,523,000	15,970,000
Provision for Loan Losses		355,000		2,314,000	250,000
Net interest income after provision for loan losses		5,361,000	5,444,000	14,209,000	15,720,000
Non-Interest Income
Loan application, inspection & processing fees		64,000	16,000	152,000	171,000
Fees and service charges		150,000	148,000	451,000	469,000
Rental Income		104,000	107,000	311,000	305,000
Other income		94,000	91,000	273,000	262,000
Total non-interest income		412,000	362,000	1,187,000	1,207,000
Non-Interest Expense
Salaries and benefits		2,169,000	2,245,000	7,334,000	6,984,000
Occupancy and equipment expense		783,000	814,000	2,313,000	2,678,000
Data processing expense		288,000	298,000	814,000	803,000
Advertising and promotional expenses		128,000	329,000	341,000	516,000
Professional and other outside services		409,000	322,000	1,182,000	1,282,000
Loan administration and processing expenses		14,000	8,000	30,000	37,000
Regulatory assessments		159,000	140,000	453,000	451,000
Insurance expense		57,000	79,000	168,000	243,000
Material and communications		106,000	95,000	314,000	282,000
Other operating expenses		328,000	423,000	992,000	967,000
Total non-interest expense		4,441,000	4,753,000	13,941,000	14,243,000
Income before income taxes		1,332,000	1,053,000	1,455,000	2,684,000
Expense for income taxes		518,000	420,000	570,000	1,073,000
Net income		$ 814,000	$ 633,000	$ 885,000	$ 1,611,000
Basic income per share (1) (in dollars per share)	[1]	$ 0.21	$ 0.16	$ 0.22	$ 0.42
Diluted income per share (1) (in dollars per share)	[1]	$ 0.21	$ 0.16	$ 0.22	$ 0.41

[1] All common stock data has been restated for a 1-for-10 reverse stock split which took effect on March 4, 2015.