CONSOLIDATED STATEMENTS OF OPERATIONS - USD ($) shares in Thousands, $ in Thousands	3 Months Ended	6 Months Ended
Jun. 30, 2020	Jun. 30, 2019	Jun. 30, 2020	Jun. 30, 2019
INTEREST INCOME
Interest and fees on loans	$ 10,448	$ 10,994	$ 20,780	$ 21,412
Interest bearing deposits	3	7	7	13
Short-term investments	96	59	168	128
Investment securities:
Available for sale	1,159	1,314	2,342	2,633
Held to maturity	355	391	708	743
Total Interest Income	12,061	12,765	24,005	24,929
INTEREST EXPENSE
Deposits	1,869	2,867	4,327	5,597
Short-term borrowings	4	136	16	238
Advances from Federal Home Loan Bank	276	261	560	496
Financing lease liabilities	28	29	57	59
Guaranteed junior subordinated deferrable interest debentures	281	281	561	561
Subordinated debt	130	130	260	260
Total Interest Expense	2,588	3,704	5,781	7,211
NET INTEREST INCOME	9,473	9,061	18,224	17,718
Provision (credit) for loan losses	450	0	625	(400)
NET INTEREST INCOME AFTER PROVISION (CREDIT) FOR LOAN LOSSES	9,023	9,061	17,599	18,118
NON-INTEREST INCOME
Wealth management fees	2,471	2,419	5,025	4,815
Service charges on deposit accounts	176	317	462	627
Net gains on sale of loans	335	107	572	169
Mortgage related fees	145	77	271	121
Net realized gains on investment securities	0	30	0	30
Bank owned life insurance	152	129	277	257
Other income	488	578	992	1,243
Total Non-Interest Income	3,767	3,657	7,599	7,262
NON-INTEREST EXPENSE
Salaries and employee benefits	6,619	6,348	13,323	12,649
Net occupancy expense	606	622	1,277	1,280
Equipment expense	389	387	784	748
Professional fees	1,331	1,249	2,485	2,369
Supplies, postage and freight	222	140	401	313
Miscellaneous taxes and insurance	289	294	564	571
Federal deposit insurance expense	130	80	156	160
Other expense	1,420	1,336	2,649	2,659
Total Non-Interest Expense	11,006	10,456	21,639	20,749
PRETAX INCOME	1,784	2,262	3,559	4,631
Provision for income tax expense	365	470	731	961
NET INCOME	$ 1,419	$ 1,792	$ 2,828	$ 3,670
Basic:
Net income	$ 0.08	$ 0.10	$ 0.17	$ 0.21
Average number of shares outstanding	17,052	17,476	17,047	17,527
Diluted:
Net income	$ 0.08	$ 0.10	$ 0.17	$ 0.21
Average number of shares outstanding	17,056	17,560	17,070	17,611

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 non-transaction 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.