Consolidated Statements of Income (Unaudited) - USD ($)	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Interest and dividend income:
Loans, including fees	$ 7,778,000	$ 6,509,000	$ 15,245,000	$ 12,629,000
Taxable securities	1,455,000	1,579,000	2,920,000	3,159,000
Tax-exempt securities	29,000	37,000	59,000	73,000
Other interest income	49,000	29,000	92,000	45,000
Total interest income	9,311,000	8,154,000	18,316,000	15,906,000
Interest expense:
Deposits	2,722,000	1,885,000	5,364,000	3,328,000
Short-term borrowings and repurchase agreements	712,000	468,000	1,410,000	883,000
Long-term debt	89,000	118,000	206,000	234,000
Other interest bearing liabilities	8,000	10,000	17,000	20,000
Total interest expense	3,531,000	2,481,000	6,997,000	4,465,000
Net interest income	5,780,000	5,673,000	11,319,000	11,441,000
Provision for credit losses	119,000	47,000	239,000	290,000
Net interest income after provision for credit losses	5,661,000	5,626,000	11,080,000	11,151,000
Non-interest income:
Earnings on bank-owned life insurance and annuities	58,000	55,000	114,000	110,000
Change in value of equity securities	9,000	(42,000)	(4,000)	(64,000)
Gain from life insurance proceeds		161,000	0	161,000
Other non-interest income	58,000	139,000	158,000	246,000
Total non-interest income	1,479,000	1,379,000	2,775,000	2,592,000
Non-interest expense:
Employee compensation expense	2,232,000	2,131,000	4,440,000	4,166,000
Employee benefits	533,000	749,000	1,178,000	1,484,000
Occupancy	327,000	348,000	659,000	652,000
Equipment	226,000	166,000	369,000	331,000
Data processing expense	815,000	930,000	1,478,000	1,527,000
Professional fees	279,000	228,000	533,000	423,000
Taxes, other than income	38,000	56,000	94,000	165,000
FDIC Insurance premiums	139,000	124,000	294,000	195,000
Amortization of intangible assets	20,000	20,000	42,000	31,000
Amortization of investment in low income housing partnerships	80,000	80,000	161,000	192,000
Merger and acquisition expense		209,000	0	209,000
Other non-interest expense	409,000	415,000	1,009,000	839,000
Total non-interest expense	5,098,000	5,456,000	10,257,000	10,214,000
Income before income taxes	2,042,000	1,549,000	3,598,000	3,529,000
Income tax provision	296,000	151,000	497,000	398,000
Net income	$ 1,746,000	$ 1,398,000	$ 3,101,000	$ 3,131,000
Earnings per share
Basic (in dollars per share)	$ 0.35	$ 0.28	$ 0.62	$ 0.62
Diluted (in dollars per share)	$ 0.35	$ 0.28	$ 0.62	$ 0.62
Customer service fees
Non-interest income:
Non-interest income	$ 456,000	$ 339,000	$ 827,000	$ 662,000
Debit card fee Income
Non-interest income:
Non-interest income	470,000	440,000	874,000	857,000
Trust fees
Non-interest income:
Non-interest income	144,000	126,000	251,000	258,000
Commissions from sales of non-deposit products
Non-interest income:
Non-interest income	109,000	73,000	211,000	168,000
Fees derived from loan activity
Non-interest income:
Non-interest income	164,000	78,000	323,000	171,000
Mortgage banking income
Non-interest income:
Non-interest income	$ 11,000	$ 10,000	$ 21,000	$ 23,000