Consolidated Statements of Income (Unaudited) - USD ($)	3 Months Ended
	Mar. 31, 2017	Mar. 31, 2016
Interest Income
Interest on loans	$ 2,430,000	$ 2,089,000
Interest and dividends on time deposits and investment securities	85,000	73,000
Total Interest Income	2,515,000	2,162,000
Interest Expense
Interest on deposits	648,000	547,000
Interest on Federal Home Loan Bank borrowings	46,000	33,000
Total Interest Expense	694,000	580,000
Net Interest Income	1,821,000	1,582,000
Provision for loan losses	42,000	45,000
Net Interest Income after Provision for Loan Losses	1,779,000	1,537,000
Non-Interest Income
Mortgage banking and title abstract fees	111,000	133,000
Other fees and services charges	26,000	18,000
Insurance commissions	77,000
Income from bank-owned life insurance	22,000	22,000
Net gain on the sale of residential mortgage loans	108,000	254,000
Gain on the sale of SBA loans		57,000
Gain on sales of other real estate owned	4,000	1,000
Other	9,000	9,000
Total Non-Interest Income, net	357,000	494,000
Non-Interest Expense
Salaries and employee benefits	1,317,000	1,074,000
Directors’ fees and expenses	52,000	56,000
Occupancy and equipment	163,000	153,000
Professional fees	90,000	91,000
FDIC deposit insurance assessment	44,000	32,000
Other real estate owned expenses	7,000	66,000
Advertising	39,000	31,000
Amortization of intangibles	12,000
Other	167,000	128,000
Total Non-Interest Expense	1,891,000	1,631,000
Income before Income Taxes	245,000	400,000
Income Taxes	74,000	161,000
Net Income	$ 171,000	$ 239,000
Earnings per share – basic (in dollars per share)	$ 0.09	$ 0.14
Average shares outstanding - basic (in shares)	1,838,125	1,754,326
Earnings per share - diluted (in dollars per share)	$ 0.09	$ 0.12
Average shares outstanding - diluted (in shares)	1,980,217	1,929,368