Consolidated Statements of Income - USD ($)	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Interest and dividend income:
Loans, including fees	$ 6,940,000	$ 5,286,000	$ 19,569,000	$ 15,446,000
Taxable securities	1,525,000	1,493,000	4,684,000	4,479,000
Tax-exempt securities	36,000	37,000	109,000	117,000
Other interest income	24,000	55,000	69,000	80,000
Total interest income	8,525,000	6,871,000	24,431,000	20,122,000
Interest expense:
Deposits	2,286,000	680,000	5,614,000	1,692,000
Short-term borrowings and repurchase agreements	431,000	70,000	1,314,000	105,000
Long-term debt	119,000	118,000	353,000	352,000
Other interest bearing liabilities	9,000	4,000	29,000	6,000
Total interest expense	2,845,000	872,000	7,310,000	2,155,000
Net interest income	5,680,000	5,999,000	17,121,000	17,967,000
Provision for credit losses	121,000	100,000	411,000	350,000
Net interest income after provision for credit losses	5,559,000	5,899,000	16,710,000	17,617,000
Non-interest income:
Earnings on bank-owned life insurance and annuities	57,000	53,000	167,000	164,000
Gain (loss) on sales and calls of securities		(378,000)	0	(1,452,000)
Change in value of equity securities	(14,000)	(30,000)	(78,000)	(110,000)
Gain from life insurance proceeds		329,000	161,000	380,000
Other non-interest income	120,000	75,000	366,000	1,450,000
Total non-interest income	1,301,000	1,310,000	3,893,000	3,968,000
Non-interest expense:
Employee compensation expense	2,167,000	2,112,000	6,333,000	6,347,000
Employee benefits	429,000	544,000	1,913,000	1,858,000
Occupancy	312,000	298,000	964,000	948,000
Equipment	162,000	187,000	493,000	546,000
Data processing expense	699,000	665,000	2,226,000	1,894,000
Professional fees	211,000	223,000	634,000	587,000
Taxes, other than income	(7,000)	106,000	158,000	370,000
FDIC Insurance premiums	157,000	143,000	352,000	307,000
Gain on other real estate owned			0	(7,000)
Amortization of intangible assets	25,000	14,000	56,000	41,000
Amortization of investment in low-income housing partnerships	81,000	200,000	273,000	600,000
Merger and acquisition expense	18,000		227,000	0
Other non-interest expense	505,000	495,000	1,344,000	1,388,000
Total non-interest expense	4,759,000	4,987,000	14,973,000	14,879,000
Income before income taxes	2,101,000	2,222,000	5,630,000	6,706,000
Income tax provision	310,000	102,000	708,000	488,000
Net income	$ 1,791,000	$ 2,120,000	$ 4,922,000	$ 6,218,000
Earnings per share
Basic	$ 0.36	$ 0.42	$ 0.98	$ 1.24
Diluted	$ 0.36	$ 0.42	$ 0.98	$ 1.24
Customer Service Fees
Non-interest income:
Non-interest income	$ 356,000	$ 394,000	$ 1,018,000	$ 1,113,000
Debit Card fee Income
Non-interest income:
Non-interest income	436,000	422,000	1,293,000	1,267,000
Trust Fees
Non-interest income:
Non-interest income	123,000	128,000	381,000	378,000
Commissions from Sales of Non-Deposit Products
Non-interest income:
Non-interest income	87,000	86,000	255,000	302,000
Fees Derived From Loan Activity
Non-interest income:
Non-interest income	124,000	220,000	295,000	452,000
Mortgage Banking Income
Non-interest income:
Non-interest income	$ 12,000	$ 11,000	$ 35,000	$ 24,000