CONSOLIDATED STATEMENTS OF OPERATIONS - USD ($) shares in Thousands, $ in Thousands	3 Months Ended	6 Months Ended
Jun. 30, 2019	Jun. 30, 2018	Jun. 30, 2019	Jun. 30, 2018
INTEREST INCOME
Interest and fees on loans	$ 10,994	$ 10,125	$ 21,412	$ 19,943
Interest bearing deposits	7	5	13	9
Short-term investments in money market funds	59	47	128	90
Investment securities:
Available for sale	1,314	1,101	2,633	2,130
Held to maturity	391	325	743	648
Total Interest Income	12,765	11,603	24,929	22,820
INTEREST EXPENSE
Deposits	2,867	1,973	5,597	3,754
Short-term borrowings	136	170	238	262
Advances from Federal Home Loan Bank	261	192	496	378
Financing lease liabilities	29	0	59	0
Guaranteed junior subordinated deferrable interest debentures	281	280	561	560
Subordinated debt	130	130	260	260
Total Interest Expense	3,704	2,745	7,211	5,214
NET INTEREST INCOME	9,061	8,858	17,718	17,606
Provision (credit) for loan losses	0	50	(400)	100
NET INTEREST INCOME AFTER PROVISION (CREDIT) FOR LOAN LOSSES	9,061	8,808	18,118	17,506
NON-INTEREST INCOME
Wealth management fees	2,419	2,447	4,815	4,873
Service charges on deposit accounts	317	357	627	740
Net gains on sale of loans	107	119	169	217
Mortgage related fees	77	72	121	111
Net realized gains (losses) on investment securities	30	0	30	(148)
Bank owned life insurance	129	133	257	265
Other income	578	553	1,243	1,258
Total Non-Interest Income	3,657	3,681	7,262	7,316
NON-INTEREST EXPENSE
Salaries and employee benefits	6,348	6,218	12,649	12,311
Net occupancy expense	622	611	1,280	1,281
Equipment expense	387	378	748	769
Professional fees	1,249	1,252	2,369	2,436
Supplies, postage and freight	140	164	313	332
Miscellaneous taxes and insurance	294	258	571	539
Federal deposit insurance expense	80	155	160	317
Other expense	1,336	1,256	2,659	2,418
Total Non-Interest Expense	10,456	10,292	20,749	20,403
PRETAX INCOME	2,262	2,197	4,631	4,419
Provision for income tax expense	470	453	961	908
NET INCOME	$ 1,792	$ 1,744	$ 3,670	$ 3,511
Basic:
Net income	$ 0.10	$ 0.10	$ 0.21	$ 0.19
Average number of shares outstanding	17,476	18,038	17,527	18,058
Diluted:
Net income	$ 0.10	$ 0.10	$ 0.21	$ 0.19
Average number of shares outstanding	17,560	18,140	17,611	18,158

Includes amounts charged depositors for: (1) maintenance of their accounts (maintenance charges); (2) failure to maintain specified minimum balances on account; (3) exceeding the number of checks or transactions allowed to be processed in a given period; (4) checks drawn on no minimum balance deposit accounts; (5) withdrawals from nontransaction deposit accounts; (6) closing savings accounts before a specified minimum period of time has elapsed; (7) accounts which have remained inactive for extended periods of time or which have become dormant; (8) use of automated teller machines or remote service units; (9) checks drawn against insufficient funds that the bank assesses regardless of whether it decides to pay, return or hold the check; (10) issuing stop payment orders; (11) certifying checks; and (12) accumulating or disbursing funds deposited in IRAs or Keogh Plan accounts when not handled by the bank's trust department. This item does not include penalties assessed on the early with

No definition available.