Consolidated Statements of Operations - USD ($) $ in Thousands		3 Months Ended
		Mar. 31, 2024	Mar. 31, 2023
Interest and dividend income:
Loans, including fees		$ 4,799	$ 3,826
Securities, taxable		1,040	602
Other		194	284
Total interest and dividend income		6,033	4,712
Interest expense:
Interest-bearing deposits		2,391	982
Borrowed funds		578	493
Other interest-bearing funds		1	2
Total interest expense		2,970	1,477
Net interest income		3,063	3,235
Provision for credit losses		75	75
Net interest income after provision for credit losses		2,988	3,160
Noninterest income:
Service charges and other fees		219	224
Loan servicing, net		163	174
Net gain on sale of loans		67	38
Increase in cash surrender value of insurance		111	108
Unrealized gain on marketable equity securities		337	220
Other		7	6
Total noninterest income		904	770
Noninterest expense:
Salaries and employee benefits		2,365	2,693
Unrealized gain on marketable equity securities		337	220
Advertising and promotions		8	49
Data processing		227	225
Occupancy and equipment		299	338
FDIC assessment		81	37
Other		981	880
Total noninterest expense		4,298	4,442
(Loss) income before income taxes		(406)	(512)
Income tax expense (benefit)		(100)	(151)
Net loss		$ (306)	$ (361)
Loss per share:
Basic		$ (0.06)	$ (0.07)
Diluted	[1],[2]	$ (0.06)	$ (0.07)
Average common shares outstanding:
Basic		5,467,653	5,535,489
Diluted	[2]	5,467,653	5,535,489

[1] For the three months ended March 31, 2024 and March 31, 2023, the effect of stock options was anti-dilutive due to the net loss and therefore no dilutive shares are included in the weighted average shares outstanding or diluted loss calculations.

[2] Diluted loss per share and average shares outstanding excludes all common shares if their effect is anti-dilutive.