Consolidated Statements of Operations (Unaudited) - USD ($)	3 Months Ended		9 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2019	Sep. 30, 2018
Interest and Dividend Income
Interest and fees on loans	$ 10,245,000	$ 9,413,000	$ 30,345,000	$ 27,388,000
Interest on investment securities	430,000	364,000	1,207,000	921,000
Dividends on investment securities	112,000	125,000	344,000	374,000
Other interest income	225,000	342,000	795,000	763,000
Total interest and dividend income	11,012,000	10,244,000	32,691,000	29,446,000
Interest Expense
Interest on deposits	3,655,000	2,457,000	10,452,000	6,111,000
Interest on Federal Home Loan Bank borrowings	602,000	486,000	1,467,000	1,245,000
Interest on senior debt	229,000	229,000	686,000	686,000
Interest on subordinated debt	277,000	278,000	845,000	489,000
Interest on note payable and other	6,000	6,000	20,000	23,000
Total interest expense	4,769,000	3,456,000	13,470,000	8,554,000
Net interest income	6,243,000	6,788,000	19,221,000	20,892,000
Provision for Loan Losses	100,000	50,000	3,202,000	285,000
Net interest income after provision for loan losses	6,143,000	6,738,000	16,019,000	20,607,000
Non-interest Income
Loan application, inspection and processing fees	32,000	16,000	74,000	36,000
Deposit fees and service charges	123,000	126,000	366,000	392,000
Gains on sales of loans	188,000	3,000	864,000	69,000
Rental income	137,000	115,000	459,000	282,000
Other income	91,000	94,000	312,000	283,000
Total non-interest income	571,000	354,000	2,075,000	1,062,000
Non-interest Expense
Salaries and benefits	3,480,000	2,794,000	10,272,000	8,417,000
Occupancy and equipment expense	937,000	829,000	2,598,000	2,346,000
Data processing expense	357,000	333,000	1,088,000	972,000
Professional and other outside services	721,000	565,000	2,233,000	1,594,000
Project expenses	212,000	653,000	277,000	1,768,000
Advertising and promotional expense	63,000	57,000	255,000	194,000
Loan administration and processing expense	44,000	25,000	101,000	68,000
Regulatory assessments	152,000	275,000	862,000	825,000
Insurance expense (income)	65,000	(56,000)	160,000	52,000
Communications, stationary and supplies	118,000	146,000	383,000	369,000
Other operating expense	530,000	426,000	1,626,000	1,194,000
Total non-interest expense	6,679,000	6,047,000	19,855,000	17,799,000
Income (loss) before income taxes	35,000	1,045,000	(1,761,000)	3,870,000
Provision (Benefit) for Income Taxes	8,000	276,000	(456,000)	1,000,000
Net income (loss)	$ 27,000	$ 769,000	$ (1,305,000)	$ 2,870,000
Basic earnings (loss) per share (in dollars per share)	$ 0.01	$ 0.20	$ (0.33)	$ 0.74
Diluted earnings (loss) per share (in dollars per share)	$ 0.01	$ 0.20	$ (0.33)	$ 0.73