Consolidated Statements of Operations - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
INTEREST AND DIVIDEND INCOME
Loans receivable, including fees	$ 13,068	$ 9,410	$ 37,330	$ 25,287
Investment securities and certificates of deposit:
Taxable	833	745	2,309	1,608
Exempt from federal income tax	300	268	895	857
Other	577	157	1,561	306
Total interest and dividend income	14,778	10,580	42,095	28,058
INTEREST EXPENSE
Deposits	5,434	1,389	15,193	2,872
Other borrowings	550	82	1,196	106
Subordinated debt	442	439	1,311	1,080
Total interest expense	6,426	1,910	17,700	4,058
NET INTEREST INCOME BEFORE (CREDIT TO) PROVISION FOR CREDIT LOSSES	8,352	8,670	24,395	24,000
(Credit to) Provision for credit losses	(349)	515	(549)	1,190
NET INTEREST INCOME AFTER (CREDIT TO) PROVISION FOR CREDIT LOSSES	8,701	8,155	24,944	22,810
NONINTEREST INCOME
Service charges on deposit accounts	198	216	593	644
Bank-owned life insurance	177	156	488	381
Net realized (losses) gains on the sales of debt securities	0	0	(2,370)	13
Gain on sale of loans	0	420	296	753
Other	505	249	905	658
Total noninterest income	880	1,041	(88)	2,449
NONINTEREST EXPENSE
Salaries and employee benefits	4,193	4,234	12,350	11,612
Occupancy	701	596	2,104	1,503
Equipment and data processing	934	666	2,519	1,858
Professional fees	363	330	1,162	865
FDIC insurance	276	141	619	483
Bank shares tax	278	201	834	585
Merger & system conversion related expenses	777	0	1,679	0
Other	472	877	2,280	2,481
Total noninterest expense	7,994	7,045	23,547	19,387
Income before income tax expense	1,587	2,151	1,309	5,872
Income tax expense	347	379	276	970
NET INCOME	$ 1,240	$ 1,772	$ 1,033	$ 4,902
EARNINGS PER SHARE, BASIC	$ 0.08	$ 0.17	$ 0.06	$ 0.49
EARNINGS PER SHARE, DILUTED	$ 0.08	$ 0.17	$ 0.06	$ 0.48
WEIGHTED-AVERAGE COMMON SHARES OUTSTANDING,
BASIC	16,235,144	10,590,079	15,984,151	10,087,341
DILUTED	16,235,144	10,590,079	15,984,151	10,136,457