CONSOLIDATED STATEMENTS OF INCOME (Unaudited) - USD ($) shares in Thousands, $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2021	Jun. 30, 2020	Jun. 30, 2021	Jun. 30, 2020
INTEREST INCOME:
Loans	$ 11,575	$ 12,196	$ 23,302	$ 24,441
Interest-earning deposits	11	11	21	331
Securities - taxable	90	108	173	224
Total Interest Income	11,676	12,315	23,496	24,996
INTEREST EXPENSE:
Deposits	1,113	2,622	2,395	5,685
Borrowings	176	176	350	332
Financing Lease	9	9	18	18
Total Interest Expense	1,298	2,807	2,763	6,035
Net Interest Income	10,378	9,508	20,733	18,961
Provision for loan loss		518	17	532
Net Interest Income after Provision for Loan Losses	10,378	8,990	20,716	18,429
NON-INTEREST INCOME:
Other loan fees and service charges	393	200	715	470
Gain on disposition of equipment	7		7
Earnings on bank owned life insurance	148	149	295	305
Investment advisory fees	124	92	242	206
Unrealized gain (loss) on equity securities	93	93	(62)	299
Other	13	7	24	143
Total Non-Interest Income	778	541	1,221	1,423
NON-INTEREST EXPENSES:
Salaries and employee benefits	3,512	3,589	7,169	6,866
Occupancy expense	472	479	1,045	957
Equipment	239	194	488	411
Outside data processing	337	425	824	850
Advertising	24	66	47	118
Real estate owned expense	26	93	68	141
Other	1,699	1,455	3,223	3,028
Total Non-Interest Expenses	6,309	6,301	12,864	12,371
Income before Income Tax Expense and Equity in Undistributed Earnings of Subsidiary	4,847	3,230	9,073	7,481
PROVISION FOR INCOME TAXES	1,126	752	2,107	1,747
NET INCOME	$ 3,721	$ 2,478	$ 6,966	$ 5,734
EARNINGS PER COMMON SHARE - BASIC AND DILUTED	$ 0.31	$ 0.21	$ 0.58	$ 0.48
WEIGHTED AVERAGE NUMBER OF COMMON SHARES OUTSTANDING - BASIC AND DILUTED	12,075	12,049	12,072	12,046
DIVIDENDS DECLARED PER COMMON SHARE		$ 0.03	$ 0.03	$ 0.06