Bank of the James Financial (BOTJ) 10-Q 12 Nov 20 2020 Q3 Quarterly report Financial data

Document And Entity Information

Document And Entity Information - shares	9 Months Ended
	Sep. 30, 2020	Nov. 12, 2020
Document And Entity Information [Abstract]
Document Type	10-Q
Amendment Flag	false
Document Period End Date	Sep. 30, 2020
Document Fiscal Period Focus	Q3
Entity Registrant Name	BANK OF THE JAMES FINANCIAL GROUP INC
Entity File Number	001-35402
Entity Incorporation, State or Country Code	VA
Entity Tax Identification Number	20-0500300
Entity Address, Address Line One	828 Main Street
Entity Address, City or Town	Lynchburg
Entity Address, State or Province	VA
Entity Address, Postal Zip Code	24504
City Area Code	434
Local Phone Number	846-2000
Document Fiscal Year Focus	2020
Entity Central Index Key	0001275101
Title of 12(b) Security	Common Stock, 2.14 per share par value
Trading Symbol	BOTJ
Security Exchange Name	NASDAQ
Current Fiscal Year End Date	--12-31
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Non-accelerated Filer
Entity Shell Company	false
Entity Small Business	true
Entity Emerging Growth Company	false
Entity Common Stock, Shares Outstanding		4,339,436

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Assets
Cash and due from banks	$ 30,324	$ 30,794
Federal funds sold	64,720	8,317
Total cash and cash equivalents	95,044	39,111
Securities held-to-maturity (fair value of $4,283 in 2020 and $3,861 in 2019)	3,675	3,688
Securities available-for-sale, at fair value	75,628	59,655
Restricted stock, at cost	1,551	1,506
Loans, net of allowance for loan losses of $6,966 in 2020 and $4,829 in 2019	616,581	573,274
Loans held for sale	10,232	4,221
Premises and equipment, net	17,074	16,698
Interest receivable	2,558	1,866
Cash value - bank owned life insurance	16,489	13,686
Other real estate owned	1,405	2,339
Income taxes receivable	396
Deferred tax asset, net	577	1,177
Other assets	7,919	8,173
Total assets	849,129	725,394
Deposits
Noninterest bearing demand	147,039	93,936
NOW, money market and savings	450,009	362,821
Time	166,885	192,702
Total deposits	763,933	649,459
Capital notes	10,026	5,000
Income taxes payable		124
Interest payable	140	173
Other liabilities	9,248	9,193
Total liabilities	783,347	663,949
Commitments and Contingencies
Stockholders' equity
Preferred stock; authorized 1,000,000 shares; none issued and outstanding
Common stock $2.14 par value; authorized 10,000,000 shares; issued and outstanding 4,339,436 and 4,357,436 as of September 30, 2020 and December 31, 2019	9,286	9,325
Additional paid-in-capital	30,989	31,225
Retained earnings	23,258	20,900
Accumulated other comprehensive income (loss)	2,249	(5)
Total stockholders' equity	65,782	61,445
Total liabilities and stockholders' equity	$ 849,129	$ 725,394

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Consolidated Balance Sheets [Abstract]
Securities held-to-maturity, fair value	$ 4,283	$ 3,861
Loans, allowance for loan losses	$ 6,966	$ 4,829
Preferred stock, shares authorized	1,000,000	1,000,000
Preferred stock, shares issued	0	0
Preferred stock, shares outstanding	0	0
Common stock, par value	$ 2.14	$ 2.14
Common stock, shares authorized	10,000,000	10,000,000
Common stock, shares issued	4,339,436	4,357,436
Common stock, shares outstanding	4,339,436	4,357,436

Consolidated Statements Of Inco

Consolidated Statements Of Income - USD ($)	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Interest Income
Loans	$ 6,958,000	$ 7,080,000	$ 20,695,000	$ 20,550,000
Securities
US Government and agency obligations	168,000	176,000	506,000	545,000
Mortgage backed securities	50,000	54,000	164,000	171,000
Municipals - taxable	93,000	77,000	248,000	237,000
Municipals - tax exempt	1,000		1,000	2,000
Dividends	15,000	9,000	48,000	60,000
Other (Corporates)	25,000	23,000	71,000	70,000
Interest bearing deposits	15,000	88,000	85,000	253,000
Federal Funds sold	13,000	89,000	89,000	332,000
Total interest income	7,338,000	7,596,000	21,907,000	22,220,000
Deposits
NOW, money market savings	177,000	414,000	669,000	1,082,000
Time Deposits	844,000	926,000	2,702,000	2,500,000
Finance leases	29,000	41,000	87,000	41,000
Capital notes	85,000	50,000	192,000	150,000
Total interest expense	1,135,000	1,431,000	3,650,000	3,773,000
Net interest income	6,203,000	6,165,000	18,257,000	18,447,000
Provision for loan losses	700,000	108,000	2,348,000	434,000
Net interest income after provision for loan losses	5,503,000	6,057,000	15,909,000	18,013,000
Noninterest income
Gain on sales of loans held for sale	2,459,000	1,337,000	5,586,000	3,103,000
Service charges, fees and commissions	498,000	448,000	1,500,000	1,348,000
Life insurance income	102,000	81,000	290,000	248,000
Other	5,000	4,000	19,000	49,000
Gain on sales and calls of securities, net		291,000	644,000	291,000
Total noninterest income	3,064,000	2,161,000	8,039,000	5,039,000
Noninterest expenses
Salaries and employee benefits	3,713,000	3,356,000	11,040,000	9,437,000
Occupancy	419,000	414,000	1,237,000	1,252,000
Equipment	560,000	527,000	1,738,000	1,521,000
Supplies	120,000	163,000	353,000	467,000
Professional, data processing, and other outside expense	990,000	887,000	2,884,000	2,561,000
Marketing	185,000	228,000	500,000	649,000
Credit expense	359,000	195,000	831,000	478,000
Other real estate expenses	15,000	200,000	135,000	340,000
FDIC insurance expense	76,000	87,000	220,000	275,000
Other	307,000	316,000	938,000	967,000
Total noninterest expenses	6,744,000	6,373,000	19,876,000	17,947,000
Income before income taxes	1,823,000	1,845,000	4,072,000	5,105,000
Income tax expense	369,000	371,000	802,000	1,020,000
Net Income	$ 1,454,000	$ 1,474,000	$ 3,270,000	$ 4,085,000
Weighted average shares outstanding - basic	4,339,436	4,378,436	4,342,294	4,378,436
Weighted average shares outstanding- diluted	4,339,436	4,385,331	4,342,294	4,383,128
Earnings per common share - basic	$ 0.34	$ 0.34	$ 0.75	$ 0.93
Earnings per common share - diluted	$ 0.34	$ 0.34	$ 0.75	$ 0.93

Consolidated Statements Of Comp

Consolidated Statements Of Comprehensive Income - USD ($)		3 Months Ended		9 Months Ended
		Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Consolidated Statements Of Comprehensive Income [Abstract]
Net Income		$ 1,454,000	$ 1,474,000	$ 3,270,000	$ 4,085,000
Other comprehensive income:
Unrealized gains on securities available-for-sale		213,000	990,000	3,498,000	3,481,000
Unrealized gains (losses) on securities available-for-sale, Tax effect		(45,000)	(208,000)	(735,000)	(731,000)
Reclassification adjustment for gains included in net income	[1]		(291,000)	(644,000)	(291,000)
Reclassification adjustment for gains included in net income, Tax effect	[2]		61,000	135,000	61,000
Other comprehensive income, net of tax		168,000	552,000	2,254,000	2,520,000
Comprehensive income		$ 1,622,000	$ 2,026,000	$ 5,524,000	$ 6,605,000
[1]	Gains are included in "gain on sales and calls of available-for-sale securities, net" on the consolidated statements of income.
[2]	The tax effect on these reclassifications is reflected in "income tax expense" on the consolidated statements of income.

Consolidated Statements Of Cash

Consolidated Statements Of Cash Flows - USD ($)	3 Months Ended				9 Months Ended		12 Months Ended
	Sep. 30, 2020	Mar. 31, 2020	Sep. 30, 2019	Mar. 31, 2019	Sep. 30, 2020	Sep. 30, 2019	Dec. 31, 2019
Cash flows from operating activities
Net Income	$ 1,454,000	$ 995,000	$ 1,474,000	$ 1,234,000	$ 3,270,000	$ 4,085,000
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization					1,511,000	983,000
Stock based compensation expense					88,000	80,000
Net amortization and accretion of premiums and discounts on securities					299,000	298,000
(Gain) on sales of available-for-sale securities					(644,000)	(291,000)
(Gain) on sales of loans held for sale	(2,459,000)		(1,337,000)		(5,586,000)	(3,103,000)
Proceeds from sales of loans held for sale					208,405,000	114,119,000
Origination of loans held for sale					(208,830,000)	(114,976,000)
Provision for loan losses	700,000		108,000		2,348,000	434,000	$ 523,000
(Gain) loss on sale of other real estate owned					(29,000)	13,000	19,000
Impairment of other real estate owned					137,000	286,000
(Increase) in cash value of life insurance					(290,000)	(248,000)
(Increase) in interest receivable					(692,000)	(13,000)
(Increase) decrease in other assets					(518,000)	234,000
(Decrease) increase in income taxes payable					(520,000)	1,019,000
(Decrease) increase in interest payable					(33,000)	40,000
Increase (decrease) in other liabilities					211,000	(1,000)
Net cash (used in) provided by operating activities					(873,000)	2,959,000
Cash flows from investing activities
Purchases of securities available-for-sale					(34,702,000)	(6,369,000)
Proceeds from maturities, calls and paydowns of securities available-for-sale					8,629,000	1,462,000
Proceeds from sale of securities available-for-sale					13,312,000	6,427,000
Purchases of bank owned life insurance					(2,750,000)
Life insurance proceeds					588,000
(Purchase) of Federal Home Loan Bank stock					(45,000)	(44,000)
Proceeds from sale of other real estate owned					844,000	349,000
Origination of loans, net of principal collected					(45,673,000)	(21,883,000)
Purchases of premises and equipment					(1,466,000)	(3,890,000)
Net cash (used in) investing activities					(61,263,000)	(23,948,000)
Cash flows from financing activities
Net increase in deposits					114,474,000	20,990,000
Principal payments on finance lease obligations					(244,000)	(81,000)
Repurchases of common stock					(275,000)
Dividends paid to common stockholders					(912,000)	(789,000)
Proceeds from sale of 3.25% capital notes due 6/30/2025					10,026,000
Retirement of 4% capital notes due 1/24/2022					(5,000,000)
Net cash provided by financing activities					118,069,000	20,120,000
Increase (decrease) in cash and cash equivalents					55,933,000	(869,000)
Cash and cash equivalents at beginning of period		$ 39,111,000		$ 50,325,000	39,111,000	50,325,000	50,325,000
Cash and cash equivalents at end of period	$ 95,044,000		$ 49,456,000		95,044,000	49,456,000	39,111,000
Non cash transactions
Transfer of loans to other real estate owned					18,000	460,000	$ 785,000
Fair value adjustment for securities available-for-sale					2,854,000	3,190,000
Lease liabilities arising from right-of-use assets						6,373,000
Cash transactions
Cash paid for interest					3,683,000	3,733,000
Cash paid for income taxes					$ 985,000

Consolidated Statements Of Ca_2

Consolidated Statements Of Cash Flows (Parenthetical)	9 Months Ended
	Sep. 30, 2020
Capital Notes 3.25% Due 6/30/2025 [Member]
Capital notes, interest rate	3.25%
Capital notes, maturity date	Jun. 30, 2025
Capital Notes 4% Due 1/24/2022 [Member]
Capital notes, interest rate	4.00%
Capital notes, maturity date	Jan. 24, 2022

Consolidated Statements Of Chan

Consolidated Statements Of Changes In Stockholders' Equity - USD ($)	Common Stock [Member]	Additional Paid-in Capital [Member]	Retained Earnings [Member]	Accumulated Other Comprehensive (Loss) [Member]	Total
Balance at Dec. 31, 2018	$ 9,370,000	$ 31,495,000	$ 16,521,000	$ (2,243,000)	$ 55,143,000
Balance, shares at Dec. 31, 2018	4,378,436
Net Income			1,234,000		1,234,000
Dividends paid on common stock ($0.06 per share)			(263,000)		(263,000)
Other comprehensive income				1,036,000	1,036,000
Balance at Mar. 31, 2019	$ 9,370,000	31,495,000	17,492,000	(1,207,000)	57,150,000
Balance, shares at Mar. 31, 2019	4,378,436
Balance at Dec. 31, 2018	$ 9,370,000	31,495,000	16,521,000	(2,243,000)	55,143,000
Balance, shares at Dec. 31, 2018	4,378,436
Net Income					4,085,000
Other comprehensive income					2,520,000
Balance at Sep. 30, 2019	$ 9,370,000	31,495,000	19,817,000	277,000	60,959,000
Balance, shares at Sep. 30, 2019	4,378,436
Balance at Mar. 31, 2019	$ 9,370,000	31,495,000	17,492,000	(1,207,000)	57,150,000
Balance, shares at Mar. 31, 2019	4,378,436
Net Income			1,377,000		1,377,000
Dividends paid on common stock ($0.06 per share)			(263,000)		(263,000)
Other comprehensive income				932,000	932,000
Balance at Jun. 30, 2019	$ 9,370,000	31,495,000	18,606,000	(275,000)	59,196,000
Balance, shares at Jun. 30, 2019	4,378,436
Net Income			1,474,000		1,474,000
Dividends paid on common stock ($0.06 per share)			(263,000)		(263,000)
Other comprehensive income				552,000	552,000
Balance at Sep. 30, 2019	$ 9,370,000	31,495,000	19,817,000	277,000	60,959,000
Balance, shares at Sep. 30, 2019	4,378,436
Balance at Dec. 31, 2019	$ 9,325,000	31,225,000	20,900,000	(5,000)	61,445,000
Balance, shares at Dec. 31, 2019	4,357,436
Net Income			995,000		995,000
Dividends paid on common stock ($0.06 per share)			(304,000)		(304,000)
Repurchase of common stock	$ (39,000)	(236,000)			(275,000)
Repurchase of common stock, shares	(18,000)
Other comprehensive income				1,467,000	1,467,000
Balance at Mar. 31, 2020	$ 9,286,000	30,989,000	21,591,000	1,462,000	63,328,000
Balance, shares at Mar. 31, 2020	4,339,436
Balance at Dec. 31, 2019	$ 9,325,000	31,225,000	20,900,000	(5,000)	61,445,000
Balance, shares at Dec. 31, 2019	4,357,436
Net Income					3,270,000
Other comprehensive income					2,254,000
Balance at Sep. 30, 2020	$ 9,286,000	30,989,000	23,258,000	2,249,000	65,782,000
Balance, shares at Sep. 30, 2020	4,339,436
Balance at Mar. 31, 2020	$ 9,286,000	30,989,000	21,591,000	1,462,000	63,328,000
Balance, shares at Mar. 31, 2020	4,339,436
Net Income			821,000		821,000
Dividends paid on common stock ($0.06 per share)			(303,000)		(303,000)
Other comprehensive income				619,000	619,000
Balance at Jun. 30, 2020	$ 9,286,000	30,989,000	22,109,000	2,081,000	64,465,000
Balance, shares at Jun. 30, 2020	4,339,436
Net Income			1,454,000		1,454,000
Dividends paid on common stock ($0.06 per share)			(305,000)		(305,000)
Other comprehensive income				168,000	168,000
Balance at Sep. 30, 2020	$ 9,286,000	$ 30,989,000	$ 23,258,000	$ 2,249,000	$ 65,782,000
Balance, shares at Sep. 30, 2020	4,339,436

Consolidated Statements Of Ch_2

Consolidated Statements Of Changes In Stockholders' Equity (Parenthetical) - $ / shares	3 Months Ended
	Sep. 30, 2020	Jun. 30, 2020	Mar. 31, 2020	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019
Consolidated Statements Of Changes In Stockholders' Equity [Abstract]
Dividend on common stock, per share	$ 0.07	$ 0.07	$ 0.07	$ 0.06	$ 0.06	$ 0.06

Basis Of Presentation

Basis Of Presentation	9 Months Ended
	Sep. 30, 2020
Basis Of Presentation [Abstract]
Basis Of Presentation	Note 1 – Basis of Presentation The unaudited consolidated financial statements have been prepared by Bank of the James Financial Group, Inc. ( “ Financial ” or the “ Company ” ) pursuant to the rules and regulations of the Securities and Exchange Commission. In management’s opinion the accompanying financial statements, which unless otherwise noted are unaudited, reflect all adjustments, consisting solely of normal recurring accruals, necessary for a fair presentation of the financial information as of September 30, 2020 and for the three and nine months ended September 30, 2020 and 2019 in conformity with accounting principles generally accepted in the United States of America. Additional information concerning the organization and business of Financial, accounting policies followed, and other related information is contained in Financial’s Annual Report on Form 10-K for the year ended December 31, 2019. These financial statements should be read in conjunction with the audited consolidated financial statements and footnotes for the year ended December 31, 2019 included in Financial’s Annual Report on Form 10-K. Results for the three and nine month periods ended September 30, 2020 are not necessarily indicative of the results that may be expected for the year ending December 31, 2020. Certain immaterial reclassifications have been made to prior period balances to conform to the current period presentation. The Company’s primary market area consists of the area commonly referred to as Region 2000 which encompasses the seven jurisdictions of the Town of Altavista, Amherst County, Appomattox County, the Town of Bedford, Bedford County, Campbell County, and the City of Lynchburg. Recently, the Company has expanded into Charlottesville, Roanoke, Blacksburg, Harrisonburg, Lexington, and Rustburg. Financial’s critical accounting policies include the evaluation of the allowance for loan losses which is based on management’s estimate of an amount that is adequate to absorb probable losses inherent in the loan portfolio of Bank of the James (the “ Bank ” ), Financial’s wholly-owned subsidiary. The allowance for loan losses is established through a provision for loan losses based on available information including the composition of the loan portfolio, historical loan losses, specific impaired loans, availability and quality of collateral, age of the various portfolios, changes in local economic conditions, and loan performance and quality of the portfolio. Different assumptions used in evaluating the adequacy of the Bank’s allowance for loan losses could result in material changes in Financial’s financial condition and results of operations. The Bank’s policy with respect to the methodology for determining the allowance for loan losses involves a higher degree of complexity and requires management to make subjective judgments that often require assumptions or estimates about uncertain matters. This critical policy and its assumptions are periodically reviewed with the Board of Directors.  Financial also considers valuation of other real estate owned (OREO) a critical accounting policy. OREO consists of properties acquired through foreclosure or deed in lieu of foreclosure. These properties are carried at fair value less estimated costs to sell at the date of foreclosure. Losses from the acquisition of property in full or partial satisfaction of loans are charged against the allowance for loan losses. Subsequent write-downs, if any, are charged against expense. Gains and losses on the sales of foreclosed properties are included in determining net income in the year of the sale. Operating costs after acquisition are expensed.

Use Of Estimates

Use Of Estimates	9 Months Ended
	Sep. 30, 2020
Use Of Estimates [Abstract]
Use Of Estimates	Note 2 – Use of Estimates  The consolidated financial statements are prepared in accordance with accounting principles generally accepted in the United States of America which require management to make estimates and assumptions that affect the amounts reported in the financial statements and accompanying notes. Actual results could differ from those estimates.

Earnings Per Common Share (EPS)

Earnings Per Common Share (EPS)	9 Months Ended
	Sep. 30, 2020
Earnings Per Common Share (EPS) [Abstract]
Earnings Per Common Share (EPS)	Note 3 – Earnings Per Common Share (EPS) The following is a summary of the earnings per share calculation for the three and nine months ended September 30, 2020 and 2019.     Three Months Ended Nine Months Ended  September 30, September 30,  2020 2019 2020 2019   Net income $ 1,454,000 $ 1,474,000 $ 3,270,000 $ 4,085,000   Weighted average number of shares 4,339,436 4,378,436 4,342,294 4,378,436  Restricted stock units affect of incremental shares - 6,895 - 4,692   Weighted average diluted shares 4,339,436 4,385,331 4,342,294 4,383,128    Basic EPS (weighted avg shares) $ 0.34 $ 0.34 $ 0.75 $ 0.93   Diluted EPS (Including incremental shares) $ 0.34 $ 0.34 $ 0.75 $ 0.93 In 2020, all restricted stock units (RSUs) were excluded from calculating diluted earnings per share as the Company elected to settle units vesting in 2020 wholly in cash. Going forward, management has adopted a cash settlement policy for all currently outstanding RSUs. Prior to 2020, the presumption was that the shares would be settled in common stock and the RSUs were included in the calculation of diluted EPS. There were no potentially dilutive shares excluded from the 2019 earnings per share calculation because they were anti-dilutive.

Stock Based Compensation

Stock Based Compensation	9 Months Ended
	Sep. 30, 2020
Stock Based Compensation [Abstract]
Stock Based Compensation	 Note 4 – Stock Based Compensation Accounting standards require companies to recognize the cost of employee services received in exchange for awards of equity instruments, such as stock options and restricted stock, based on the fair value of those awards. Note 4 – Stock Based Compensation (continued) At the annual meeting of shareholders held on May 15, 2018, the shareholders approved the Bank of the James Financial Group, Inc. 2018 Equity Incentive Plan (the “ 2018 Incentive Plan ” ). The 2018 Incentive Plan permits the issuance of up to 250,000 shares of common stock for awards to key employees of the Company and its subsidiaries in the form of stock options, restricted stock, restricted stock units, stock awards and performance units. On January 2, 2019, the Company granted its first block of equity compensation under the 2018 Incentive Plan consisting of 24,500 restricted stock units. The recipients of restricted stock units do not receive shares of the Company’s stock immediately, but instead may receive shares, cash in lieu of shares, or a combination thereof upon satisfying the requisite service period specified by the terms and conditions of the gran t. Add itionally, the recipients of restricted stock units do not enjoy the rights of holder of the Company’s common stock until the units have vested and as such, they do not have voting rights or rights to nonforfeitable dividends. The related compensation expense is based on the grant date fair value of the Company’s stock of $13.00 per share. RSUs vest over 3 years in thirds with the first one -third vesting on January 2, 2020. The value of the first one-third vested portion of the grant was settled with cash payments and no shares were issued.  The total expense recognized for the three months ended September 30, 2020 and 2019, in connection with the restricted stock unit awards was approximately $26,000 and $26,000 , respectively. The total expense recognized for the nine months ended September 30, 2020 and 2019, in connection with the restricted stock unit awards was approximately $80,000 and $80,000 , respectively. There were no forfeitures during the three and nine month periods ending September 30, 2020.  At September 30, 2020, the unrecognized stock-based compensation expense related to unvested restricted stock units amounted to approximately $133,000 . The unrecognized expense will be recognized ratably over the remaining vesting period of 1.25 years. The Company accounts for forfeitures as they occur.

Fair Value Measurements

Fair Value Measurements	9 Months Ended
	Sep. 30, 2020
Fair Value Measurements [Abstract]
Fair Value Measurements	Note 5 – Fair Value Measurements Determination of Fair Value The Company uses fair value measurements to record fair value adjustments to certain assets and liabilities and to determine fair value disclosures. In accordance with the Fair Value Measurements and Disclosures topic of FASB ASC, the fair value of a financial instrument is the price that would be received to sell an asset or paid to transfer a liability (an exit price) in the principal or most advantageous market and in an orderly transaction between market participants at the measurement date. Fair value is best determined based upon quoted market prices. However, in many instances, there are no quoted market prices for the Company’s various financial instruments. In cases where quoted market prices are not available, fair values are based on estimates using present value or other valuation techniques. Those techniques are significantly affected by the assumptions used, including the discount rate and estimates of future  Note 5 – Fair Value Measurements (continued) cash flows. Accordingly, the fair value estimates may not be realized in an immediate settlement of the instrument. The fair value guidance provides a consistent definition of fair value, which focuses on exit price in the principal or most advantageous market and in an orderly transaction (that is, not a forced liquidation or distressed sale) between market participants at the measurement date under current market conditions. If there has been a significant decrease in the volume and level of activity for the asset or liability, a change in valuation technique or the use of multiple valuation techniques may be appropriate. In such instances, determining the price at which willing market participants would transact at the measurement date under current market conditions depends on the facts and circumstances and requires the use of significant judgment. The fair value is a reasonable point within the range that is most representative of fair value under current market conditions. Fair Value Hierarchy In accordance with this guidance, the Company groups its financial assets and financial liabilities generally measured at fair value in three levels, based on the markets in which the assets and liabilities are traded and the reliability of the assumptions used to determine fair value. · Level 1 inputs to the valuation methodology are quoted prices (unadjusted) for identical assets or liabilities in active markets. · Level 2 inputs to the valuation methodology include quoted prices for similar assets and liabilities in active markets, and inputs that are observable for the asset or liability, either directly or indirectly, for substantially the full term of the financial instrument. · Level 3 inputs to the valuation methodology are unobservable and significant to the fair value measurement. Fair Value on a Recurring Basis Securities Available-for-Sale Fair values of securities available-for sale are based on quoted prices available in an active market. If quoted prices are available, these securities are classified within Level 1 of the valuation hierarchy. Level 1 securities would include highly liquid government bonds, mortgage products and exchange traded equities. If quoted market prices are not available, then fair values are estimated by using pricing models, quoted prices of securities with similar characteristics, or discounted cash flow. Level 2 securities would include U.S. agency securities, mortgage-backed agency securities, obligations of states and political subdivisions and certain corporate, asset backed and other securities. In certain cases where there is limited activity or less transparency around inputs to the valuation, securities are classified within Level 3 of the valuation hierarchy. Currently, all of the Company’s securities are considered to be Level 2 securities. The following table summarizes the Company’s financial assets that were measured at fair value on a recurring basis during the period. Note 5 – Fair Value Measurements (continued) Derivatives Assets/Liabilities – Interest Rate Lock Commitments (IRLCs) Beginning with the third quarter of 2020, the Company recognizes IRLCs at fair value based on the price of the underlying loans obtained from an investor for loans that will be delivered on a best efforts basis while taking into consideration the probability that the rate lock commitments will close. All of the Company’s IRLCs are classified as Level 3. The fair value of interest rate lock commitments was considered immaterial at December 31, 2019.   Carrying Value at September 30, 2020 (in thousands) Description Balance as of September 30, 2020 Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3)  US Treasuries $2,033 $ - $2,033 $ -  US agency obligations 40,929 - 40,929 -  Mortgage-backed securities 8,461 - 8,461 -  Municipals 18,906 - 18,906 -  Corporates 5,299 - 5,299 -   Total available-for-sale securities $75,628 $ - $75,628 $ -   IRLCs - asset 301 - - 301   Total assets at fair value $75,929 $ - $75,628 $301  IRLCs - liability 5 - - 5  Total liabilities at fair value $5 $ - $ - $5   Carrying Value at December 31, 2019 (in thousands)  Description Balance as of December 31, 2019 Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3)  US Treasuries $1,964 $ $1,964 $  US agency obligations 32,108 - 32,108 -  Mortgage-backed securities 10,264 - 10,264 -  Municipals 11,222 - 11,222 -  Corporates 4,097 - 4,097 -   Total available-for-sale securities $59,655 $ - $59,655 $ -  The following table provides additional quantitative information about assets measured at fair value on a recurring basis and for which we have utilized Level 3 inputs to determine fair value:  Note 5 – Fair Value Measurements (continued)    Quantitative information about Level 3 Fair Value Measurements for September 30, 2020 (dollars in thousands)  Fair Value Valuation Te chnique(s) Unobservable Input Range (Weighted Average) (1) Assets  IRLCs - asset $301 Market approach Range of pull through rate 70% - 100% ( 85% )  Liabilities  IRLCs - liability $5 Market approach Range of pull through rate 70% - 100% ( 85% )  (1) Weighted based on the relative value of the instruments Fair Value on a Non-recurring Basis Impaired loans Loans are designated as impaired when, in the judgment of management based on current information and events, it is probable that all amounts due according to the contractual terms of the loan agreement will not be collected when due. The measurement of loss associated with impaired loans can be based on either the observable market price of the loan or the fair value of the collateral. Fair value is measured based on the value of the collateral securing the loans. Collateral may be in the form of real estate or business assets including equipment, inventory, and accounts receivable. The vast majority of the collateral is real estate. The value of real estate collateral is determined utilizing an income or market valuation approach based on an appraisal conducted by an independent, licensed appraiser outside of the Bank using observable market data (Level 2). However, in situations where the collateral is a house or building in the process of construction, the appraisal is more than 12 months old, management has determined the fair value of the collateral is further impaired below the appraised value, or the appraisal is not based solely on market comparables adjusted for observable inputs, the value is considered Level 3. The value of business equipment is based upon an outside appraisal if deemed significant, or the net book value on the applicable business’ financial statements if not considered significant using observable market data. Likewise, values for inventory and accounts receivables collateral are based on financial statement balances or aging reports (Level 3). Any fair value adjustments are recorded in the period incurred as provision for loan losses on the Consolidated Statements of Income. Loans held for sale Loans held for sale are carried at cost which approximates estimated fair value. These loans currently consist of one-to-four family residential loans originated for sale in the secondary market. Fair value is based on the price secondary markets are currently offering for similar loans using observable market data which is not materially different than cost due to the short duration between origination and sale (Level 2). As such, the Company records fair value adjustments on a nonrecurring basis. No nonrecurring fair value adjustments were recorded on loans held for sale during the period ended September 30, 2020. Gains and losses on the sale of Note 5 – Fair Value Measurements (continued) loans are recorded within gains on sales of loans held for sale, net on the Consolidated Statements of Income. Other real estate owned Certain assets such as other real estate owned (OREO) are measured at fair value less cost to sell. We believe that the fair value component in its valuation follows the provisions of ASC 820. Real estate acquired through foreclosure is transferred to OREO. The measurement of loss associated with OREO is based on the fair value of the collateral compared to the unpaid loan balance and anticipated costs to sell the property. The value of OREO property is determined utilizing an income or market valuation approach based on an appraisal conducted by an independent, licensed appraiser outside of the Bank using observable market data (Level 2). Any fair value adjustments are recorded in the period incurred and expensed against current earnings. However, in situations where the collateral is a house or building in the process of construction, the appraisal is more than 12 months old, management has determined the fair value of the collateral is further impaired below the appraised value, or the appraisal is not based solely on market comparables adjusted for observable inputs, the value is considered Level 3. The following table summarizes the Company’s impaired loans and OREO measured at fair value on a nonrecurring basis during the period (in thousands):    Carrying Value at September 30, 2020 Description Balance as of September 30, 2020 Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3)  Impaired loans* $2,399 $ - $ - $2,399  Other real estate owned 1,405 - - 1,405 * Includes loans charged down to the net realizable value of the collateral.   Carrying Value at December 31, 2019 Description Balance as of December 31, 2019 Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3)  Impaired loans* $1,239 $ - $ - $1,239  Other real estate owned 2,339 - - 2,339 * Includes loans charged down to the net realizable value of the collateral. Note 5 – Fair Value Measurements (continued) The following table sets forth information regarding the quantitative inputs used to value assets classified as Level 3:    Quantitative information about Level 3 Fair Value Measurements for September 30, 2020 (dollars in thousands)  Fair Value Valuation Te chnique(s) Unobservable Input Range (Weighted Average) (1) Assets  Impaired loans $2,399 Discounted appraised value Selling cost 0 % - 10 % ( 8 %)  Discount for lack of marketability and age of appraisal 0 % - 20 % ( 6 %)   OREO 1,405 Discounted appraised value Selling cost 0 % - 10 % ( 6 %)  Discount for lack of marketability and age of appraisal 0 % - 25 % ( 15 %) (1) Weighted based on the relative value of the instruments.   Quantitative information about Level 3 Fair Value Measurements for December 31, 2019 (dollars in thousands)  Fair Value Valuation Te chnique(s) Unobservable Input Range (Weighted Average) (1) Assets  Impaired loans $1,239 Discounted appraised value Selling cost 0% - 10% ( 8% )  Discount for lack of marketability and age of appraisal 0% - 20% ( 6% )   OREO 2,339 Discounted appraised value Selling cost 0% - 10% ( 6% )  Discount for lack of marketability and age of appraisal 0% - 25% ( 15% ) (1) Weighted based on the relative value of the instruments. Financial Instruments FASB ASC 825, Financial Instruments, requires disclosure about fair value of financial instruments, including those financial assets and financial liabilities that are not required to be measured and reported at fair value on a recurring or nonrecurring basis. ASC 825 excludes certain financial instruments and all nonfinancial instruments from its disclosure requirements. Accordingly, the aggregate fair value amounts presented may not necessarily represent the underlying fair value of the Company. The carrying amounts and estimated fair values of the Company’s financial instruments are presented in the following tables whether or not recognized on the Consolidated Balance Sheets at fair value. Note 5 – Fair Value Measurements (continued) The estimated fair values, and related carrying or notional amounts, of Financial’s financial instruments and their placement in the fair value hierarchy at September 30, 2020 and December 31, 2019 was as follows (in thousands):    Fair Value Measurements at September 30, 2020 using  Quoted Prices Significant  in Active Other Significant  Markets for Observable Unobservable  Carrying Identical Assets Inputs Inputs Assets Amounts (Level 1) (Level 2) (Level 3) Balance  Cash and due from banks $30,324 $30,324 $ - $ - $30,324  Fed funds sold 64,720 64,720 - - 64,720 Securities  Available-for-sale 75,628 - 75,628 - 75,628  Held-to-maturity 3,675 - 4,283 - 4,283  Restricted stock 1,551 1,551 - 1,551  Loans, net (1) 616,581 - - 614,896 614,896  Loans held for sale 10,232 - 10,232 - 10,232  Interest receivable 2,558 - 2,558 - 2,558  BOLI 16,489 - 16,489 - 16,489  Derivatives - IRLCs 301 - - 301 301  Liabilities  Deposits $763,933 $ - $765,491 $ - $765,491  Capital notes 10,026 - 8,949 - 8,949  Interest payable 140 - 140 - 140  Derivatives – IRLCs 5 - - 5 5    Fair Value Measurements at December 31, 2019 using  Quoted Prices Significant  in Active Other Significant  Markets for Observable Unobservable  Carrying Identical Assets Inputs Inputs Assets Amounts (Level 1) (Level 2) (Level 3) Balance  Cash and due from banks $30,794 $30,794 $ - $ - $30,794  Fed funds sold 8,317 8,317 - 8,317 Securities  Available-for-sale 59,655 - 59,655 - 59,655  Held-to-maturity 3,688 - 3,861 - 3,861  Restricted stock 1,506 - 1,506 1,506  Loans, net (1) 573,274 - - 569,850 569,850  Loans held for sale 4,221 - 4,221 - 4,221  Interest receivable 1,866 - 1,866 - 1,866  BOLI 13,686 - 13,686 - 13,686  Liabilities  Deposits $649,459 $ - $651,479 $ - $651,479 Capital notes 5,000 - 4,795 - 4,795  Interest payable 173 - 173 - 173 (1) Carrying amount is net of unearned income and the Allowance. 

Securities

Securities	9 Months Ended
	Sep. 30, 2020
Securities [Abstract]
Securities	Note 6 - Securities The following tables summarize the Bank’s holdings for both securities held-to-maturity and securities available-for-sale as of September 30, 2020 and December 31, 2019 (amounts in thousands):   September 30, 2020  Amortized Gross Unrealized Fair Value  Costs Gains (Losses) Held-to-Maturity  US agency obligations $3,675 $608 $ - $4,283  Available-for-Sale  US Treasuries 2,000 33 - 2,033  US agency obligations 39,201 1,780 (52) 40,929  Mortgage-backed securities 8,190 271 - 8,461  Municipals 18,315 627 (36) 18,906  Corporates 5,074 225 - 5,299  $72,780 $2,936 $(88) $75,628   December 31, 2019  Amortized Gross Unrealized Fair Value  Costs Gains (Losses) Held-to-Maturity  US agency obligations $3,688 $173 $ - $3,861  Available-for-Sale  US Treasuries 1,966 - (2) 1,964  US agency obligations 32,163 278 (333) 32,108  Mortgage-backed securities 10,328 42 (106) 10,264  Municipals 11,118 117 (13) 11,222  Corporates 4,086 32 (21) 4,097  $59,661 $469 $(475) $59,655 Note 6 – Securities (continued) The following tables show the gross unrealized losses and fair value of the Bank’s investments with unrealized losses that are not deemed to be other-than-temporarily impaired, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position, at September 30, 2020 and December 31, 2019 (amounts in thousands):   Less than 12 months More than 12 months Total  Fair Unrealized Fair Unrealized Fair Unrealized September 30, 2020 Value Losses Value Losses Value Losses Description of securities Held-to-maturity  US agency obligations $ - $ - $ - $ - $ - $ -  Available-for-sale  US Treasuries - - - - - -  US agency obligations 8,774 52 - - 8,774 52  Mortgage-backed securities - - - - - -  Municipals 5,553 36 - - 5,553 36  Corporates - - - - - -  Total $14,327 $88 $ - $ - $14,327 $88   Less than 12 months More than 12 months Total  Fair Unrealized Fair Unrealized Fair Unrealized  December 31, 2019 Value Losses Value Losses Value Losses  Description of securities Held-to-maturity  US agency obligations $ - $ - $ - $ - $ - $ -  Available-for-sale  US Treasuries - - 1,964 2 1,964 2  US agency obligations 12,395 218 12,048 115 24,443 333  Mortgage-backed securities - - 6,609 106 6,609 106  Municipals - - 2,736 13 2,736 13  Corporates - - 1,042 21 1,042 21  Total $12,395 $218 $24,399 $257 $36,794 $475 Management evaluates securities for other-than-temporary impairment at least on a quarterly basis, and may do so more frequently when economic or market concerns warrant such evaluation. Consideration is given to (1) the length of time and the extent to which the fair value has been less than cost, (2) the financial condition and near-term prospects of the issuer, (3) the intent of Financial, if any, to sell the security; (4) whether Financial more likely than not will be  Note 6 – Securities (continued) required to sell the security before recovering its cost; and (5) whether Financial does not expect to recover the security’s entire amortized cost basis (even if Financial does not intend to sell the security). At September 30, 2020, the Company did not consider the unrealized losses as other-than-temporary losses due to the nature of the securities involved. As of September 30, 2020, the Bank owned ten securities in an unrealized loss position that were being evaluated for other than temporary impairment. Three of these securities was S&P rated AA A and seven w ere rated AA . As of September 30, 2020, six of these securities w ere municipal issue s and four w ere backed by the US government. Based on the analysis performed by management as mandated by the Bank’s investment policy, management believes the default risk to be minimal. Because management does not intend to sell and it is likely that management will not be required to sell the securities prior to their anticipated recovery, and the decline in fair value is largely due to change in interest rates and other market conditions, no declines currently are deemed to be other-than-temporary. Gross gains on sales of available-for-sale securities were $0 and $644 during the three and nine months ended September 30, 2020 as compared to $291 and $291 during the same periods in 2019. There were no gross losses on sales of available-for-sale securities during the three and nine month periods ended September 30, 2020 and 2019. There were no sales of held-to-maturity securities during the three and nine month periods ended September 30, 2020 and 2019.

Business Segments

Business Segments	9 Months Ended
	Sep. 30, 2020
Business Segments [Abstract]
Business Segments	Note 7 – Business Segments The Company has two reportable business segments: (i) a traditional full-service community banking segment and, (ii) a mortgage loan origination business. The community banking business segment includes Bank of the James which provides loans, deposits, investments and insurance to retail and commercial customers throughout Region 2000 and other areas within Central Virginia. The mortgage segment provides a variety of mortgage loan products principally within Region 2000. Mortgage loans are originated and sold in the secondary market through purchase commitments from investors with servicing released. Because of the pre-arranged purchase commitments, there is minimal risk to the Company. Both of the Company’s reportable segments are service based. The mortgage business is a gain on sale business while the Bank’s primary source of revenue is net interest income. The Bank also provides a referral network for the mortgage origination business. The mortgage business may also be in a position to refer its customers to the Bank for banking services when appropriate. Information about reportable business segments and reconciliation of such information to the consolidated financial statements for the three and nine months ended September 30, 2020 and 2019 was as follows (dollars in thousands): Note 7 – Business Segments (continued)       Business Segments   Community  Banking Mortgage Total  Nine months ended September 30, 2020  Net interest income $ 18,257 $ - $ 18,257  Provision for loan losses 2,348 - 2,348  Net interest income after provision for loan losses 15,909 - 15,909  Noninterest income 2,453 5,586 8,039  Noninterest expenses 16,271 3,605 19,876  Income before income taxes 2,091 1,981 4,072  Income tax expense 386 416 802  Net income $ 1,705 $ 1,565 $ 3,270  Total assets $ 838,425 $ 10,704 $ 849,129   Nine months ended September 30, 2019  Net interest income $ 18,447 $ - $ 18,447  Provision for loan losses 434 - 434  Net interest income after provision for loan losses 18,013 - 18,013  Noninterest income 1,936 3,103 5,039  Noninterest expenses 15,700 2,247 17,947  Income before income taxes 4,249 856 5,105  Income tax expense 840 180 1,020  Net income $ 3,409 $ 676 $ 4,085  Total assets $ 702,215 $ 5,899 $ 708,114   Community  Banking Mortgage Total  Three months ended September 30, 2020  Net interest income $ 6,203 $ - $ 6,203  Provision for loan losses 700 - 700  Net interest income after provision for loan losses 5,503 - 5,503  Noninterest income 605 2,459 3,064  Noninterest expenses 5,322 1,422 6,744  Income before income taxes 786 1,037 1,823  Income tax expense 151 218 369  Net income $ 635 $ 819 $ 1,454  Total assets $ 838,425 $ 10,704 $ 849,129   Three months ended September 30, 2019  Net interest income $ 6,165 $ - $ 6,165  Provision for loan losses 108 - 108  Net interest income after provision for loan losses 6,057 - 6,057  Noninterest income 824 1,337 2,161  Noninterest expenses 5,453 920 6,373  Income before income taxes 1,428 417 1,845  Income tax expense 283 88 371  Net income $ 1,145 $ 329 $ 1,474  Total assets $ 702,215 $ 5,899 $ 708,114 

Loans, Allowance For Loan Losse

Loans, Allowance For Loan Losses And OREO	9 Months Ended
	Sep. 30, 2020
Loans, Allowance For Loan Losses and OREO [Abstract]
Loans, Allowance For Loan Losses And OREO	 Note 8 – Loans , allowance for loan losses and OREO Management has an established methodology used to determine the adequacy of the allowance for loan losses that assesses the risks and losses inherent in the loan portfolio. For purposes of determining the allowance for loan losses, the Bank has segmented certain loans in the portfolio by product type. Within these segments, the Bank has sub-segmented its portfolio into classes, based on the associated risks. The classifications set forth below do not correspond directly to the classifications set forth in the call report (Form FFIEC 041). Management has determined that the classifications set forth below are more appropriate for use in identifying and managing risk in the loan portfolio. Loan Segments: Loan Classes: Commercial Commercial and industrial loans Commercial real estate Commercial mortgages – owner occupied  Commercial mortgages – non-owner occupied  Commercial construction Consumer Consumer unsecured  Consumer secured Residential Residential mortgages  Residential consumer construction A summary of loans, net is as follows (dollars in thousands):   As of:  September 30, December 31,  2020 2019   Com mercial $174,823 $114,257  Commercial real estate 298,526 303,900  Consumer 87,989 89,945  Residential 62,209 70,001   Total loans (1) 623,547 578,103   Less allowance for loan losses 6,966 4,829   Net loans $616,581 $573,274 (1) Includes net deferred (fees) and costs/premiums of ($1,301) and $ 572 as of September 30, 2020 and December 31, 2019, respectively. The Bank’s internal risk rating system is in place to grade commercial and commercial real estate loans. Category ratings are reviewed periodically by lenders and the credit review area of the Bank based on the borrower’s individual situation. Additionally, internal and external monitoring and review of credits are conducted on an annual basis. Note 8 – Loans, allowance for loan losses and OREO (continued) Below is a summary and definition of the Bank’s risk rating categories:  RATING 1 Excellent RATING 2 Above Average RATING 3 Satisfactory RATING 4 Acceptable / Low Satisfactory RATING 5 Monitor RATING 6 Special Mention RATING 7 Substandard RATING 8 Doubtful RATING 9 Loss We segregate loans into the above categories based on the following criteria and we review the characteristics of each rating at least annually, generally during the first quarter. The characteristics of these ratings are as follows: · “ Pass. ” These are loans having risk ratings of 1 through 4. Pass loans are to persons or business entities with an acceptable financial condition, appropriate collateral margins, appropriate cash flow to service the existing loan, and an appropriate leverage ratio. The borrower has paid all obligations as agreed and it is expected that this type of payment history will continue. When necessary, acceptable personal guarantors support the loan. · “ Monitor. ” These are loans having a risk rating of 5. Monitor loans have currently acceptable risk but may have the potential for a specific defined weakness in the borrower’s operations and the borrower’s ability to generate positive cash flow on a sustained basis. The borrower’s recent payment history may currently or in the future be characterized by late payments. The Bank’s risk exposure is mitigated by collateral supporting the loan. The collateral is considered to be well-margined, well maintained, accessible and readily marketable. · “ Special Mention. ” These are loans having a risk rating of 6. Special Mention loans have weaknesses that deserve management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the asset or in the bank’s credit position at some future date. Special Mention loans are not adversely classified and do not expose an institution to sufficient risk to warrant adverse classification. These loans do warrant more than routine monitoring due to a weakness caused by adverse events. · “ Substandard. ” These are loans having a risk rating of 7. Substandard loans are considered to have specific and well-defined weaknesses that jeopardize the viability of the Bank’s credit extension. The payment history for the loan has been inconsistent and the expected or projected primary repayment source may be inadequate to service the loan. The estimated net liquidation value of the collateral pledged and/or ability of the personal guarantor(s) to pay the loan may Note 8 – Loans, allowance for loan losses and OREO (continued) not adequately protect the Bank. There is a distinct possibility that the Bank will sustain some loss if the deficiencies associated with the loan are not corrected in the near term. A substandard loan would not automatically meet our definition of impaired unless the loan is significantly past due and the borrower’s performance and financial condition provides evidence that it is probable that the Bank will be unable to collect all amounts due. · “ Doubtful. ” These are loans having a risk rating of 8. Doubtful rated loans have all the weaknesses inherent in a loan that is classified substandard but with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions, and values, highly questionable and improbable. The possibility of loss is extremely high. · “ Loss. ” These are loans having a risk rating of 9. Loss rated loans are not considered collectible under normal circumstances and there is no realistic expectation for any future payment on the loan. Loss rated loans are fully charged off.   Loans on Non-Accrual Status  ( dollars in thousands )  As of  September 30, 2020 December 31, 2019  Com mercial $426 $262 Commercial Real Estate:  Commercial Mortgages-Owner Occupied 1,118 262  Commercial Mortgages-Non-Owner Occupied 408 450  Commercial Construction - - Consumer  Consumer Unsecured - -  Consumer Secured 374 47 Residential:  Residential Mortgages 212 280  Residential Consumer Construction - -   Totals $2,538 $1,301 We also classify other real estate owned (OREO) as a nonperforming asset. OREO represents real property owned by the Bank which was acquired through purchase at foreclosure or from the borrower through a deed in lieu of foreclosure. OREO decreased to $1,405 on September 30, 2020 from $2,339 on December 31, 2019 . The following table represents the changes in Note 8 – Loans, allowance for loan losses and OREO (continued) OREO balance during the nine months ended September 30, 2020 and year ended December 31, 2019.   OREO Changes ( dollars in thousands )  Nine Months Ended Year Ended  September 30, 2020 December 31, 2019  Bala nce at the beginning of the year (net) $2,339 $2,430  Transfers from loans 18 785  Capitalized costs - -  Valuation adjustments (137) (287)  Sales proceeds (844) (570)  Gain (loss) on disposition 29 (19)  Balance at the end of the period (net) $1,405 $2,339  At September 30, 2020 and December 31, 2019, the Company had no consumer mortgage loans secured by residential real estate for which foreclosure was in process. The Company held no residential real estate property in other real estate owned as of September 30, 2020 and four residential real estate properties totaling $325 as of December 31, 2019. Note 8 – Loans, allowance for loan losses and OREO (continued)     Impaired Loans  (dollars in thousands)  As of and For the Nine Months Ended September 30, 2020  Unpaid Average Interest  Recorded Principal Related Recorded Income  2020 Investment Balance Allowance Investment Recognized  With No Related Allowance Recorded:  Commercial $ 645 $ 1,245 $ - $ 557 $ 31  Commercial Real Estate  Commercial Mortgages-Owner Occupied 2,176 2,599 - 2,322 103  Commercial Mortgage Non-Owner Occupied 529 560 - 546 28  Commercial Construction - - - - -  Consumer  Consumer Unsecured - - - - -  Consumer Secured 265 265 - 186 10  Residential  Residential Mortgages 1,357 1,421 - 1,324 49  Residential Consumer Construction - - - - -   With an Allowance Recorded:  Commercial $ 91 $ 91 $ 9 $ 49 $ -  Commercial Real Estate  Commercial Mortgages-Owner Occupied 160 203 10 86 3  Commercial Mortgage Non-Owner Occupied - - - 7 -  Commercial Construction - - - - -  Consumer  Consumer Unsecured - - - - -  Consumer Secured 238 248 35 119 2  Residential  Residential Mortgages - - - 70 -  Residential Consumer Construction - - - - -   Totals:  Commercial $ 736 $ 1,336 $ 9 $ 606 $ 31  Commercial Real Estate  Commercial Mortgages-Owner Occupied 2,336 2,802 10 2,408 106  Commercial Mortgage Non-Owner Occupied 529 560 - 553 28  Commercial Construction - - - - -  Consumer  Consumer Unsecured - - - - -  Consumer Secured 503 513 35 305 12  Residential  Residential Mortgages 1,357 1,421 - 1,394 49  Residential Consumer Construction - - - - -  $ 5,461 $ 6,632 $ 54 $ 5,266 $ 226  Note 8 – Loans, allowance for loan losses and OREO (continued)     Impaired Loans  (dollars in thousands)  As of and For the Year Ended December 31, 2019  Unpaid Average Interest  Recorded Principal Related Recorded Income  2019 Investment Balance Allowance Investment Recognized  With No Related Allowance Recorded:  Commercial $ 468 $ 1,036 $ - $ 949 $ 26  Commercial Real Estate  Commercial Mortgages-Owner Occupied 2,467 2,643 - 2,441 183  Commercial Mortgage Non-Owner Occupied 563 585 - 347 32  Commercial Construction - - - - -  Consumer  Consumer Unsecured - - - - -  Consumer Secured 107 107 - 98 7  Residential  Residential Mortgages 1,290 1,290 - 1,583 68  Residential Consumer Construction - - - - -   With an Allowance Recorded:  Commercial $ 7 $ 7 $ 7 $ 19 $ 1  Commercial Real Estate  Commercial Mortgages-Owner Occupied 12 12 12 26 1  Commercial Mortgage Non-Owner Occupied 14 14 3 52 1  Commercial Construction - - - - -  Consumer  Consumer Unsecured - - - 1 -  Consumer Secured - - - 53 -  Residential  Residential Mortgages 139 158 33 257 4  Residential Consumer Construction - - - - -   Totals:  Commercial $ 475 $ 1,043 $ 7 $ 968 $ 27  Commercial Real Estate  Commercial Mortgages-Owner Occupied 2,479 2,655 12 2,467 184  Commercial Mortgage Non-Owner Occupied 577 599 3 399 33  Commercial Construction - - - - -  Consumer  Consumer Unsecured - - - 1 -  Consumer Secured 107 107 - 151 7  Residential  Residential Mortgages 1,429 1,448 33 1,840 72  Residential Consumer Construction - - - - -  $ 5,067 $ 5,852 $ 55 $ 5,826 $ 323  Note 8 – Loans, allowance for loan losses and OREO (continued)     Allowance for Loan Losses and Recorded Investment in Loans  (dollars in thousands)  As of and For the Nine Months Ended September 30, 2020   Commercial  2020 Commercial Real Estate Consumer Residential Total   Allowance for Credit Losses:   Beginning Balance $ 1,330 $ 1,932 $ 865 $ 702 $ 4,829  Charge-Offs (69) (217) (59) (51) (396)  Recoveries 15 137 30 3 185  Provision 935 1,359 20 34 2,348  Ending Balance 2,211 3,211 856 688 6,966   Ending Balance: Individually evaluated for impairment 9 10 35 - 54   Ending Balance: Collectively evaluated for impairment 2,202 3,201 821 688 6,912   Totals: $ 2,211 $ 3,211 $ 856 $ 688 $ 6,966   Financing Receivables:  Ending Balance: Individually evaluated for impairment 736 2,865 503 1,357 5,461   Ending Balance: Collectively evaluated for impairment 174,087 295,661 87,486 60,852 618,086   Totals: $ 174,823 $ 298,526 $ 87,989 $ 62,209 $ 623,547      Note 8 – Loans, allowance for loan losses and OREO (continued)     Allowance for Loan Losses and Recorded Investment in Loans  (dollars in thousands)  As of and For the Year Ended December 31, 2019   Commercial  2019 Commercial Real Estate Consumer Residential Total   Allowance for Credit Losses:   Beginning Balance $ 1,136 $ 1,831 $ 956 $ 658 $ 4,581  Charge-Offs (106) (26) (189) (42) (363)  Recoveries 35 5 44 4 88  Provision 265 122 54 82 523  Ending Balance 1,330 1,932 865 702 4,829   Ending Balance: Individually evaluated for impairment 7 15 - 33 55   Ending Balance: Collectively evaluated for impairment 1,323 1,917 865 669 4,774   Totals: $ 1,330 $ 1,932 $ 865 $ 702 $ 4,829   Financing Receivables:  Ending Balance: Individually evaluated for impairment 475 3,056 107 1,429 5,067   Ending Balance: Collectively evaluated for impairment 113,782 300,844 89,838 68,572 573,036   Totals: $ 114,257 $ 303,900 $ 89,945 $ 70,001 $ 578,103      Note 8 – Loans, allowance for loan losses and OREO (continued)   Age Analysis of Past Due Loans as of  September 30, 2020  ( dollars in thousands )  Greater Recorded Investment  30-59 Days 60-89 Days than Total Past Total > 90 Days & 2020 Past Due Past Due 90 Days Due Current Loans Accruing  Commercial $584 $95 $223 $902 $173,921 $174,823 $ - Commercial Real Estate:  Commercial Mortgages- Owner Occupied 405 7 1,013 1,425 101,291 102,716 -  Commercial Mortgages-Non-Owner Occupied 319 188 398 905 173,280 174,185 -  Commercial Construction - - - - 21,625 21,625 - Consumer:  Consumer Unsecured 4 - - 4 3,878 3,882 -  Consumer Secured 120 136 347 603 83,504 84,107 - Residential:  Residential Mortgages 515 - 212 727 47,776 48,503 -  Residential Consumer Construction - - - - 13,706 13,706 -  Total $1,947 $426 $2,193 $4,566 $618,981 $623,547 $ -    Age Analysis of Past Due Loans as of  December 31, 2019  ( dollars in thousands )  Greater Recorded Investment  30-59 Days 60-89 Days than Total Past Total > 90 Days & 2019 Past Due Past Due 90 Days Due Current Loans Accruing  Commercial $146 $1,084 $116 $1,346 $112,911 $114,257 $ - Commercial Real Estate:  Commercial Mortgages-Owner Occupied 234 192 143 569 104,223 104,792 -  Commercial Mortgages-Non-Owner Occupied 58 9 450 517 181,730 182,247 -  Commercial Construction - - - - 16,861 16,861 - Consumer:  Consumer Unsecured 52 3 - 55 6,812 6,867 -  Consumer Secured 316 130 21 467 82,611 83,078 - Residential:  Residential Mortgages 595 576 280 1,451 53,833 55,284 -  Residential Consumer Construction 492 - - 492 14,225 14,717 -  Total $1,893 $1,994 $1,010 $4,897 $573,206 $578,103 $ -  Note 8 – Loans, allowance for loan losses and OREO (continued)     Credit Quality Information - by Class  September 30, 2020  ( dollars in thousands ) 2020 Pass Monitor Special Substandard Doubtful Totals  Mention  Commercial $160,361 $5,091 $8,721 $650 $ - $174,823 Commercial Real Estate:  Commercial Mortgages -Owner Occupied 93,045 2,904 4,432 2,335 - 102,716  Commercial Mortgages-Non-Owner Occupied 164,525 7,310 1,689 661 - 174,185  Commercial Construction 21,625 - - - - 21,625 Consumer  Consumer Unsecured 3,850 - 30 2 - 3,882  Consumer Secured 83,404 - - 703 - 84,107 Residential:  Residential Mortgages 47,036 - - 1,467 - 48,503  Residential Consumer Construction 13,706 - - - - 13,706   Totals $587,552 $15,305 $14,872 $5,818 $ - $623,547      Credit Quality Information - by Class  December 31, 2019  ( dollars in thousands ) 2019 Pass Monitor Special Substandard Doubtful Totals  Mention  Commercial $108,907 $313 $4,518 $519 $ - $114,257 Commercial Real Estate:  Commercial Mortgages-Owner Occupied 93,553 446 8,316 2,477 - 104,792  Commercial Mortgages-Non -Owner Occupied 175,471 5,118 994 664 - 182,247  Commercial Construction 16,572 289 - - - 16,861 Consumer  Consumer Unsecured 6,867 - - - - 6,867  Consumer Secured 82,860 - - 218 - 83,078 Residential:  Residential Mortgages 53,714 - - 1,570 - 55,284  Residential Consumer Construction 14,416 301 - - - 14,717   Totals $552,360 $6,467 $13,828 $5,448 $- $578,103 Note 8 – Loans, allowance for loan losses and OREO (continued) Troubled Debt Restructurings (TDR) There were no loan modifications that would have been classified as TDRs during the three and nine months ended September 30, 2020 and 2019. There were no loan modifications classified as TDRs within the last twelve months that defaulted during the three and nine months ended September 30, 2020 and 2019. At September 30, 2020 and December 31, 2019, the Bank had no outstanding commitments to disburse additional funds on loans classified as TDRs. We have developed relief programs to assist borrowers in financial need due to the effects of the COVID-19 pandemic. Accordingly, we offered short-term modifications made in response to COVID-19 to certain borrowers who were current and otherwise not past due. These include short-term, 180 days or less, modifications in the form of payment deferrals, fee waivers, extensions of repayment terms, deferral of principal only (interest only payments), or other delays in payment that are insignificant. Over the course of the nine months ended September 30, 2020, the Bank modified a total of 184 loans with principal balances totaling $95,258,000 . As of September 30, 2020, 9 of the 184 previously modified loans remain in deferment. The principal balance of these 9 loans is $8,944,000 , which represents 1.43% of the total loan portfolio. . Of the total deferrals, 4 loans, or $8,089,000 , are for deferrals of principal only and 5 loans, or $855,000 , are for principal and interest deferment. If a customer requests a second modification, an extensive evaluation of the circumstances surrounding the need for the request is conducted. Procedurally, a commercial borrower will be required to present financial forecasts, proof of business sustainability, and verification of sources of repayment to the primary loan officer, the Chief Lending Officer, and the Chief Credit Officer before a second deferral is granted. Retail borrowers are also required to submit in writing the reason for the need for a second deferral request before an additional deferral is granted. Relationships whose situations do not warrant a second deferral will most likely be downgraded and subsequently evaluated for specific impairment within the allowance for loan loss. As of September 30, 2020, we are evaluating 4 relationships, totaling approximately $6,000,000 , for second deferrals. In accordance with the March 22, 2020 (revised April 2020) Joint Interagency Regulatory Guidance, the above modifications were not considered to be troubled debt restructurings and were excluded from the TDR discussion above. 

Revenue Recognition

Revenue Recognition	9 Months Ended
	Sep. 30, 2020
Revenue Recognition [Abstract]
Revenue Recognition	   Note 9 – Revenue Recognition  Topic 606 does not apply to revenue associated with financial instruments, including revenue from loans and securities. Topic 606 is applicable to noninterest revenue streams such as deposit related fees, interchange fees, merchant income, and annuity and insurance commissions. Noninterest revenue streams in-scope of Topic 606 are discussed below.  Service Charges on Deposit Accounts  Service charges on deposit accounts consist of account analysis fees (i.e., net fees earned on analyzed business checking accounts), monthly service fees, check orders, and other deposit account related fees. The Company’s performance obligation for account analysis fees and monthly service fees is generally satisfied, and the related revenue recognized, over the period in which the service is provided. Check orders and other deposit account related fees are largely transactional based, and therefore, the Company’s performance obligation is satisfied, and related revenue recognized, at a point in time. Payment for service charges on deposit accounts is primarily received immediately or at the end of the month through a direct charge to customers’ accounts.  Fees, Exchange, and Other Service Charges  Fees, exchange, and other service charges are primarily comprised of debit and credit card income, ATM fees, merchant services income, treasury services income and other service charges. Debit and credit card income is primarily comprised of interchange fees earned whenever the Company’s debit and credit cards are processed through card payment networks such as Visa. ATM fees are primarily generated when a Company cardholder uses a non-Company ATM or a non-Company cardholder uses a Company ATM. Merchant services income mainly represents fees charged to merchants to process their debit and credit card transactions, in addition to account management fees. Treasury services income primarily represents fees charged to customers for sweep, positive pay and lockbox services. Other service charges include revenue from processing wire transfers, bill pay service, cashier’s checks, and other services. The Company’s performance obligation for fees, exchange, and other service charges are largely satisfied, and related revenue recognized, when the services are rendered or upon completion. Payment is typically received immediately or at the end of the month.  Other  Other noninterest income consists of other recurring revenue streams such as commissions from sales of mutual funds and other investments, safety deposit box rental fees, and other miscellaneous revenue streams. Commissions from the sale of mutual funds and other investments are recognized on trade date, which is when the Company has satisfied its performance obligation. The Company also receives periodic service fees (i.e., trailers) from mutual fund companies typically based on a percentage of net asset value. Trailer revenue is recorded over time, usually monthly or quarterly, as net asset value is determined. Safe deposit box rental fees are charged to the customer on an annual basis and recognized upon receipt of payment. The Company determined that since rentals and renewals occur fairly consistently over time, revenue is recognized on a basis consistent with the duration of the performance obligation.

Recent Accounting Pronouncement

Recent Accounting Pronouncements And Other Authoritative Guidance	9 Months Ended
	Sep. 30, 2020
Recent Accounting Pronouncements And Other Authoritative Guidance [Abstract]
Recent Accounting Pronouncements And Other Authoritative Guidance	 Note 10 – Recent accounting pronouncements and other authoritative guidance  In June 2016, the Financial Accounting Standards Board (FASB) issued Accounting Standards Update (ASU) No. 2016-13, “Financial Instruments – Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments.” The amendments in this ASU, among other things, require the measurement of all expected credit losses for financial assets held at the reporting date based on historical experience, current conditions, and reasonable and supportable forecasts. Financial institutions and other organizations will now use forward-looking information to better inform their credit loss estimates. Many of the loss estimation techniques applied today will still be permitted, although the inputs to those techniques will change to reflect the full amount of expected credit losses. In addition, the ASU amends the accounting for credit losses on available- for-sale debt securities and purchased financial assets with credit deterioration. The FASB has issued multiple updates to ASU 2016-13 as codified in Topic 326, including ASU’s 2019-04, 2019-05, 2019-10, 2019-11, 2020-02, and 2020-03. These ASU’s have provided for various minor technical corrections and improvements to the codification as well as other transition matters. Smaller reporting companies who file with the U.S. Securities and Exchange Commission (SEC) and all other entities who do not file with the SEC are required to apply the guidance for fiscal years, and interim periods within those years, beginning after December 15, 2022. The Company is currently assessing the impact that ASU 2016-13 will have on its consolidated financial statements. The Company has been in discussions with its core processor to coordinate plans for implementation and has contracted with an additional vendor to begin implementation.  Effective November 25, 2019, the SEC adopted Staff Accounting Bulletin (SAB) 119. SAB 119 updated portions of SEC interpretative guidance to align with FASB ASC 326, “Financial Instruments – Credit Losses.” It covers topics including (1) measuring current expected credit losses; (2) development, governance, and documentation of a systematic methodology; (3) documenting the results of a systematic methodology; and (4) validating a systematic methodology.  In December 2019, the FASB issued ASU 2019-12, “Income Taxes (Topic 740) – Simplifying the Accounting for Income Taxes.” The ASU is expected to reduce cost and complexity related to the accounting for income taxes by removing specific exceptions to general principles in Topic 740 (eliminating the need for an organization to analyze whether certain exceptions apply in a given period) and improving financial statement preparers’ application of certain income tax-related guidance. This ASU is part of the FASB’s simplification initiative to make narrow-scope simplifications and improvements to accounting standards through a series of short-term projects. For public business entities, the amendments are effective for fiscal years beginning after December 15, 2020, and interim periods within those fiscal years. Early adoption is permitted. The Company is currently assessing the impact that ASU 2019-12 will have on its consolidated financial statements.  In March 2020, the Financial Accounting Standards Board (FASB) issued Accounting Standards Update (ASU) No. 2020-04 “Reference Rate Reform (Topic 848): Facilitation of the Effects of Reference Rate Reform on Financial Reporting.” These amendments provide temporary optional guidance to ease the potential burden in accounting for reference rate reform. The ASU provides optional expedients and exceptions for applying generally accepted accounting principles to contract modifications and hedging relationships, subject to meeting certain criteria, that reference LIBOR or another reference rate expected to be discontinued. It is intended to help Note 10 – Recent accounting pronouncements and other authoritative guidance (continued )  stakeholders during the global market-wide reference rate transition period. The guidance is effective for all entities as of March 12, 2020 through December 31, 2022The Company has identified a small number of affected loans and is evaluating other benchmarks to substitute for LIBOR such as SOFR. The Company is assessing ASU 2020-04 and its impact on the Company’s transition away from LIBOR for its loan and other financial instruments. On March 12, 2020, the SEC finalized amendments to its “accelerated filer” and “large accelerated filer” definitions. The amendments increase the threshold criteria for meeting these filer classifications and were effective on April 27, 2020. Any changes in filer status are to be applied beginning with the filer’s first annual report filed with the SEC subsequent to the effective date. The rule change revises the definition of “accelerated filers” to exclude entities with public float of less than $700 million and less than $100 million in annual revenues. The Company expects to continue to meet this expanded category of small reporting company and will remain a non-accelerated filer.  In October 2020, the FASB issued ASU 2020-08, “Codification Improvements to Subtopic 310-20, Receivables – Nonrefundable fees and Other Costs.” This ASU clarifies that an entity should reevaluate whether a callable debt security is within the scope of ASC paragraph 310-20-35-33 for each reporting period. For public business entities, the ASU is effective for fiscal years beginning after December 15, 2021, and interim periods within those fiscal years. Early adoption is not permitted. All entities should apply ASU No. 2020-08 on a prospective basis as of the beginning of the period of adoption for existing or newly purchased callable debt securities. The Company does not expect the adoption of ASU 2020-08 to have a material impact on its consolidated financial statements.  In March 2020 (Revised in April 2020), various regulatory agencies, including the Board of Governors of the Federal Reserve System and the Federal Deposit Insurance Corporation, (“the agencies”) issued an interagency statement on loan modifications and reporting for financial institutions working with customers affected by the Coronavirus. The interagency statement was effective immediately and impacted accounting for loan modifications. Under Accounting Standards Codification 310-40, “Receivables – Troubled Debt Restructurings by Creditors,” (“ASC 310-40”), a restructuring of debt constitutes a troubled debt restructuring (“TDR”) if the creditor, for economic or legal reasons related to the debtor’s financial difficulties, grants a concession to the debtor that it would not otherwise consider. The agencies confirmed with the staff of the FASB that short-term modifications made on a good faith basis in response to COVID-19 to borrowers who were current prior to any relief, are not to be considered TDRs. This includes short-term (e.g., six months) modifications such as payment deferrals, fee waivers, Note 10 – Recent accounting pronouncements and other authoritative guidance (continued )  extensions of repayment terms, or other delays in payment that are insignificant. Borrowers considered current are those that are less than 30 days past due on their contractual payments at the time a modification program is implemented. In addition, upon expiration of the initial loan modification period, the Bank, pursuant to the “Joint Statement on Additional Loan Accommodations Related to COVID-19” published August 3, 2020, is encouraged to continue to work with effected borrowers on additional loan modifications. This interagency guidance is expected to continue have a material impact on the Company’s financial statements; however, this impact cannot be quantified at this time.

COVID-19 And Current Economic C

COVID-19 And Current Economic Conditions	9 Months Ended
	Sep. 30, 2020
COVID-19 And Current Economic Conditions [Abstract]
COVID-19 And Current Economic Conditions	 Note 11 - COVID-19 and Current Economic Conditions  On March 11, 2020, the World Health Organization announced that the COVID-19 outbreak was deemed a pandemic, and on March 13, 2020, the President declared the ongoing COVID-19 pandemic of sufficient magnitude to warrant an emergency declaration. The extent of COVID-19's effect on the Company's operational and financial performance will depend on future developments, including the duration, spread and intensity of the pandemic, and when state and local economies will return to operational norms, all of which are uncertain and difficult to predict considering the rapidly evolving landscape. In addition, we rely upon our third-party vendors to conduct business and to process, record and monitor transactions. If any of these vendors are unable to continue to provide us with these services, it could negatively impact our ability to serve our customers. Furthermore, the outbreak could negatively impact our employees and customers' ability to engage in banking and other financial transactions. We also could be adversely affected if key personnel or a significant number of employees were to become unavailable due to the effects and restrictions of a COVID-19 outbreak in our market areas.  Management will continue to evaluate current economic conditions to determine the impact of the pandemic on the ability of our customers to fulfill their financial obligations to the Company, as well as the values of our financial and nonfinancial assets resulting from the market disruption. Accordingly, significant estimates used in the preparation of our financial statements including those associated with the evaluation of the allowance for loan losses as well as other valuation-based estimates may be subject to significant adjustments in future periods. As the full effects are not yet known, it is not currently possible to ascertain the overall impact of COVID- 19 on the Company's business. However, as the pandemic continues to evolve into a prolonged worldwide health crisis, the pandemic could have a material adverse effect on the Company's business, results of operations, financial condition and cash flows.

Capital Notes

Capital Notes	9 Months Ended
	Sep. 30, 2020
Capital Notes [Abstract]
Capital Notes	 Note 12 – Capital Notes  On April 13, 2020, the Company commenced a private placement of unregistered debt securities (the “2020 Offering”). In the 2020 Offering, the Company sold and closed $10,050,000 in principal of notes (the “2020 Notes”) during the 2 nd and 3 rd quarters of 2020. The 2020 Offering officially ended on July 8, 2020. The 2020 Notes will bear interest at the rate of 3.25% per year with interest payable quarterly in arrears. The 2020 Notes will mature on September 30, 2025 and are subject to full or partial repayment on or after September 30, 2021 . The balance of the 2020 Notes on the September 30, 2020 consolidated balance sheet is net of unamortized issuance costs  Note 12 – Capital Notes (continued)  On September 24, 2020 the Bank used $5,000,000 of the proceeds for the payment of principal of the Company’s previously outstanding 4.00% notes that were issued in 2017. The Company intends to use the balance of the proceeds from the 2020 Offering for general corporate purposes in the discretion of Company’s management such as payment of interest on the 2020 Notes and as a contribution of additional capital to the Bank.

Earnings Per Common Share (EP_2

Earnings Per Common Share (EPS) (Tables)	9 Months Ended
	Sep. 30, 2020
Earnings Per Common Share (EPS) [Abstract]
Earnings Per Share	   Three Months Ended Nine Months Ended  September 30, September 30,  2020 2019 2020 2019   Net income $ 1,454,000 $ 1,474,000 $ 3,270,000 $ 4,085,000   Weighted average number of shares 4,339,436 4,378,436 4,342,294 4,378,436  Restricted stock units affect of incremental shares - 6,895 - 4,692   Weighted average diluted shares 4,339,436 4,385,331 4,342,294 4,383,128    Basic EPS (weighted avg shares) $ 0.34 $ 0.34 $ 0.75 $ 0.93   Diluted EPS (Including incremental shares) $ 0.34 $ 0.34 $ 0.75 $ 0.93 

Fair Value Measurements (Tables

Fair Value Measurements (Tables)	9 Months Ended
	Sep. 30, 2020
Fair Value Assets Measured On Recurring Basis	  Carrying Value at September 30, 2020 (in thousands) Description Balance as of September 30, 2020 Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3)  US Treasuries $2,033 $ - $2,033 $ -  US agency obligations 40,929 - 40,929 -  Mortgage-backed securities 8,461 - 8,461 -  Municipals 18,906 - 18,906 -  Corporates 5,299 - 5,299 -   Total available-for-sale securities $75,628 $ - $75,628 $ -   IRLCs - asset 301 - - 301   Total assets at fair value $75,929 $ - $75,628 $301  IRLCs - liability 5 - - 5  Total liabilities at fair value $5 $ - $ - $5   Carrying Value at December 31, 2019 (in thousands)  Description Balance as of December 31, 2019 Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3)  US Treasuries $1,964 $ $1,964 $  US agency obligations 32,108 - 32,108 -  Mortgage-backed securities 10,264 - 10,264 -  Municipals 11,222 - 11,222 -  Corporates 4,097 - 4,097 -   Total available-for-sale securities $59,655 $ - $59,655 $ - 
Impaired Loans And Other Real Estate Owned Measured At Fair Value On A Nonrecurring Basis	 Carrying Value at September 30, 2020 Description Balance as of September 30, 2020 Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3)  Impaired loans* $2,399 $ - $ - $2,399  Other real estate owned 1,405 - - 1,405 * Includes loans charged down to the net realizable value of the collateral.   Carrying Value at December 31, 2019 Description Balance as of December 31, 2019 Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3)  Impaired loans* $1,239 $ - $ - $1,239  Other real estate owned 2,339 - - 2,339 * Includes loans charged down to the net realizable value of the collateral.
Fair Value Carrying And Notional Amounts	   Fair Value Measurements at September 30, 2020 using  Quoted Prices Significant  in Active Other Significant  Markets for Observable Unobservable  Carrying Identical Assets Inputs Inputs Assets Amounts (Level 1) (Level 2) (Level 3) Balance  Cash and due from banks $30,324 $30,324 $ - $ - $30,324  Fed funds sold 64,720 64,720 - - 64,720 Securities  Available-for-sale 75,628 - 75,628 - 75,628  Held-to-maturity 3,675 - 4,283 - 4,283  Restricted stock 1,551 1,551 - 1,551  Loans, net (1) 616,581 - - 614,896 614,896  Loans held for sale 10,232 - 10,232 - 10,232  Interest receivable 2,558 - 2,558 - 2,558  BOLI 16,489 - 16,489 - 16,489  Derivatives - IRLCs 301 - - 301 301  Liabilities  Deposits $763,933 $ - $765,491 $ - $765,491  Capital notes 10,026 - 8,949 - 8,949  Interest payable 140 - 140 - 140  Derivatives – IRLCs 5 - - 5 5    Fair Value Measurements at December 31, 2019 using  Quoted Prices Significant  in Active Other Significant  Markets for Observable Unobservable  Carrying Identical Assets Inputs Inputs Assets Amounts (Level 1) (Level 2) (Level 3) Balance  Cash and due from banks $30,794 $30,794 $ - $ - $30,794  Fed funds sold 8,317 8,317 - 8,317 Securities  Available-for-sale 59,655 - 59,655 - 59,655  Held-to-maturity 3,688 - 3,861 - 3,861  Restricted stock 1,506 - 1,506 1,506  Loans, net (1) 573,274 - - 569,850 569,850  Loans held for sale 4,221 - 4,221 - 4,221  Interest receivable 1,866 - 1,866 - 1,866  BOLI 13,686 - 13,686 - 13,686  Liabilities  Deposits $649,459 $ - $651,479 $ - $651,479 Capital notes 5,000 - 4,795 - 4,795  Interest payable 173 - 173 - 173 (1) Carrying amount is net of unearned income and the Allowance.
Fair Value, Recurring [Member]
Information Regarding Quantitative Inputs Used To Value Assets Classified As Level 3	  Quantitative information about Level 3 Fair Value Measurements for September 30, 2020 (dollars in thousands)  Fair Value Valuation Te chnique(s) Unobservable Input Range (Weighted Average) (1) Assets  IRLCs - asset $301 Market approach Range of pull through rate 70% - 100% ( 85% )  Liabilities  IRLCs - liability $5 Market approach Range of pull through rate 70% - 100% ( 85% )  (1) Weighted based on the relative value of the instruments 
Fair Value, Nonrecurring [Member]
Information Regarding Quantitative Inputs Used To Value Assets Classified As Level 3	  Quantitative information about Level 3 Fair Value Measurements for September 30, 2020 (dollars in thousands)  Fair Value Valuation Te chnique(s) Unobservable Input Range (Weighted Average) (1) Assets  Impaired loans $2,399 Discounted appraised value Selling cost 0 % - 10 % ( 8 %)  Discount for lack of marketability and age of appraisal 0 % - 20 % ( 6 %)   OREO 1,405 Discounted appraised value Selling cost 0 % - 10 % ( 6 %)  Discount for lack of marketability and age of appraisal 0 % - 25 % ( 15 %) (1) Weighted based on the relative value of the instruments.   Quantitative information about Level 3 Fair Value Measurements for December 31, 2019 (dollars in thousands)  Fair Value Valuation Te chnique(s) Unobservable Input Range (Weighted Average) (1) Assets  Impaired loans $1,239 Discounted appraised value Selling cost 0% - 10% ( 8% )  Discount for lack of marketability and age of appraisal 0% - 20% ( 6% )   OREO 2,339 Discounted appraised value Selling cost 0% - 10% ( 6% )  Discount for lack of marketability and age of appraisal 0% - 25% ( 15% ) (1) Weighted based on the relative value of the instruments.

Securities (Tables)

Securities (Tables)	9 Months Ended
	Sep. 30, 2020
Securities [Abstract]
Summary Of Securities Held-To-Maturity And Securities Available-For-Sale	  September 30, 2020  Amortized Gross Unrealized Fair Value  Costs Gains (Losses) Held-to-Maturity  US agency obligations $3,675 $608 $ - $4,283  Available-for-Sale  US Treasuries 2,000 33 - 2,033  US agency obligations 39,201 1,780 (52) 40,929  Mortgage-backed securities 8,190 271 - 8,461  Municipals 18,315 627 (36) 18,906  Corporates 5,074 225 - 5,299  $72,780 $2,936 $(88) $75,628   December 31, 2019  Amortized Gross Unrealized Fair Value  Costs Gains (Losses) Held-to-Maturity  US agency obligations $3,688 $173 $ - $3,861  Available-for-Sale  US Treasuries 1,966 - (2) 1,964  US agency obligations 32,163 278 (333) 32,108  Mortgage-backed securities 10,328 42 (106) 10,264  Municipals 11,118 117 (13) 11,222  Corporates 4,086 32 (21) 4,097  $59,661 $469 $(475) $59,655 
Gross Unrealized Losses And Fair Value Of The Bank's Investments	  Less than 12 months More than 12 months Total  Fair Unrealized Fair Unrealized Fair Unrealized September 30, 2020 Value Losses Value Losses Value Losses Description of securities Held-to-maturity  US agency obligations $ - $ - $ - $ - $ - $ -  Available-for-sale  US Treasuries - - - - - -  US agency obligations 8,774 52 - - 8,774 52  Mortgage-backed securities - - - - - -  Municipals 5,553 36 - - 5,553 36  Corporates - - - - - -  Total $14,327 $88 $ - $ - $14,327 $88   Less than 12 months More than 12 months Total  Fair Unrealized Fair Unrealized Fair Unrealized  December 31, 2019 Value Losses Value Losses Value Losses  Description of securities Held-to-maturity  US agency obligations $ - $ - $ - $ - $ - $ -  Available-for-sale  US Treasuries - - 1,964 2 1,964 2  US agency obligations 12,395 218 12,048 115 24,443 333  Mortgage-backed securities - - 6,609 106 6,609 106  Municipals - - 2,736 13 2,736 13  Corporates - - 1,042 21 1,042 21  Total $12,395 $218 $24,399 $257 $36,794 $475 

Business Segments (Tables)

Business Segments (Tables)	9 Months Ended
	Sep. 30, 2020
Business Segments [Abstract]
Schedule Of Segment Reporting Information, By Segment	  Business Segments   Community  Banking Mortgage Total  Nine months ended September 30, 2020  Net interest income $ 18,257 $ - $ 18,257  Provision for loan losses 2,348 - 2,348  Net interest income after provision for loan losses 15,909 - 15,909  Noninterest income 2,453 5,586 8,039  Noninterest expenses 16,271 3,605 19,876  Income before income taxes 2,091 1,981 4,072  Income tax expense 386 416 802  Net income $ 1,705 $ 1,565 $ 3,270  Total assets $ 838,425 $ 10,704 $ 849,129   Nine months ended September 30, 2019  Net interest income $ 18,447 $ - $ 18,447  Provision for loan losses 434 - 434  Net interest income after provision for loan losses 18,013 - 18,013  Noninterest income 1,936 3,103 5,039  Noninterest expenses 15,700 2,247 17,947  Income before income taxes 4,249 856 5,105  Income tax expense 840 180 1,020  Net income $ 3,409 $ 676 $ 4,085  Total assets $ 702,215 $ 5,899 $ 708,114   Community  Banking Mortgage Total  Three months ended September 30, 2020  Net interest income $ 6,203 $ - $ 6,203  Provision for loan losses 700 - 700  Net interest income after provision for loan losses 5,503 - 5,503  Noninterest income 605 2,459 3,064  Noninterest expenses 5,322 1,422 6,744  Income before income taxes 786 1,037 1,823  Income tax expense 151 218 369  Net income $ 635 $ 819 $ 1,454  Total assets $ 838,425 $ 10,704 $ 849,129   Three months ended September 30, 2019  Net interest income $ 6,165 $ - $ 6,165  Provision for loan losses 108 - 108  Net interest income after provision for loan losses 6,057 - 6,057  Noninterest income 824 1,337 2,161  Noninterest expenses 5,453 920 6,373  Income before income taxes 1,428 417 1,845  Income tax expense 283 88 371  Net income $ 1,145 $ 329 $ 1,474  Total assets $ 702,215 $ 5,899 $ 708,114 

Loans, Allowance For Loan Los_2

Loans, Allowance For Loan Losses And OREO (Tables)	9 Months Ended
	Sep. 30, 2020
Loans, Allowance For Loan Losses and OREO [Abstract]
Summary Of Loans, Net	  As of:  September 30, December 31,  2020 2019   Com mercial $174,823 $114,257  Commercial real estate 298,526 303,900  Consumer 87,989 89,945  Residential 62,209 70,001   Total loans (1) 623,547 578,103   Less allowance for loan losses 6,966 4,829   Net loans $616,581 $573,274 (1) Includes net deferred (fees) and costs/premiums of ($1,301) and $ 572 as of September 30, 2020 and December 31, 2019, respectively.
Loans On Non-Accrual Status	  Loans on Non-Accrual Status  ( dollars in thousands )  As of  September 30, 2020 December 31, 2019  Com mercial $426 $262 Commercial Real Estate:  Commercial Mortgages-Owner Occupied 1,118 262  Commercial Mortgages-Non-Owner Occupied 408 450  Commercial Construction - - Consumer  Consumer Unsecured - -  Consumer Secured 374 47 Residential:  Residential Mortgages 212 280  Residential Consumer Construction - -   Totals $2,538 $1,301 
Changes In OREO Balance	  OREO Changes ( dollars in thousands )  Nine Months Ended Year Ended  September 30, 2020 December 31, 2019  Bala nce at the beginning of the year (net) $2,339 $2,430  Transfers from loans 18 785  Capitalized costs - -  Valuation adjustments (137) (287)  Sales proceeds (844) (570)  Gain (loss) on disposition 29 (19)  Balance at the end of the period (net) $1,405 $2,339 
Impaired Loans	   Impaired Loans  (dollars in thousands)  As of and For the Nine Months Ended September 30, 2020  Unpaid Average Interest  Recorded Principal Related Recorded Income  2020 Investment Balance Allowance Investment Recognized  With No Related Allowance Recorded:  Commercial $ 645 $ 1,245 $ - $ 557 $ 31  Commercial Real Estate  Commercial Mortgages-Owner Occupied 2,176 2,599 - 2,322 103  Commercial Mortgage Non-Owner Occupied 529 560 - 546 28  Commercial Construction - - - - -  Consumer  Consumer Unsecured - - - - -  Consumer Secured 265 265 - 186 10  Residential  Residential Mortgages 1,357 1,421 - 1,324 49  Residential Consumer Construction - - - - -   With an Allowance Recorded:  Commercial $ 91 $ 91 $ 9 $ 49 $ -  Commercial Real Estate  Commercial Mortgages-Owner Occupied 160 203 10 86 3  Commercial Mortgage Non-Owner Occupied - - - 7 -  Commercial Construction - - - - -  Consumer  Consumer Unsecured - - - - -  Consumer Secured 238 248 35 119 2  Residential  Residential Mortgages - - - 70 -  Residential Consumer Construction - - - - -   Totals:  Commercial $ 736 $ 1,336 $ 9 $ 606 $ 31  Commercial Real Estate  Commercial Mortgages-Owner Occupied 2,336 2,802 10 2,408 106  Commercial Mortgage Non-Owner Occupied 529 560 - 553 28  Commercial Construction - - - - -  Consumer  Consumer Unsecured - - - - -  Consumer Secured 503 513 35 305 12  Residential  Residential Mortgages 1,357 1,421 - 1,394 49  Residential Consumer Construction - - - - -  $ 5,461 $ 6,632 $ 54 $ 5,266 $ 226  Note 8 – Loans, allowance for loan losses and OREO (continued)     Impaired Loans  (dollars in thousands)  As of and For the Year Ended December 31, 2019  Unpaid Average Interest  Recorded Principal Related Recorded Income  2019 Investment Balance Allowance Investment Recognized  With No Related Allowance Recorded:  Commercial $ 468 $ 1,036 $ - $ 949 $ 26  Commercial Real Estate  Commercial Mortgages-Owner Occupied 2,467 2,643 - 2,441 183  Commercial Mortgage Non-Owner Occupied 563 585 - 347 32  Commercial Construction - - - - -  Consumer  Consumer Unsecured - - - - -  Consumer Secured 107 107 - 98 7  Residential  Residential Mortgages 1,290 1,290 - 1,583 68  Residential Consumer Construction - - - - -   With an Allowance Recorded:  Commercial $ 7 $ 7 $ 7 $ 19 $ 1  Commercial Real Estate  Commercial Mortgages-Owner Occupied 12 12 12 26 1  Commercial Mortgage Non-Owner Occupied 14 14 3 52 1  Commercial Construction - - - - -  Consumer  Consumer Unsecured - - - 1 -  Consumer Secured - - - 53 -  Residential  Residential Mortgages 139 158 33 257 4  Residential Consumer Construction - - - - -   Totals:  Commercial $ 475 $ 1,043 $ 7 $ 968 $ 27  Commercial Real Estate  Commercial Mortgages-Owner Occupied 2,479 2,655 12 2,467 184  Commercial Mortgage Non-Owner Occupied 577 599 3 399 33  Commercial Construction - - - - -  Consumer  Consumer Unsecured - - - 1 -  Consumer Secured 107 107 - 151 7  Residential  Residential Mortgages 1,429 1,448 33 1,840 72  Residential Consumer Construction - - - - -  $ 5,067 $ 5,852 $ 55 $ 5,826 $ 323 
Allowance For Loan Losses And Recorded Investment In Loans	    Allowance for Loan Losses and Recorded Investment in Loans  (dollars in thousands)  As of and For the Nine Months Ended September 30, 2020   Commercial  2020 Commercial Real Estate Consumer Residential Total   Allowance for Credit Losses:   Beginning Balance $ 1,330 $ 1,932 $ 865 $ 702 $ 4,829  Charge-Offs (69) (217) (59) (51) (396)  Recoveries 15 137 30 3 185  Provision 935 1,359 20 34 2,348  Ending Balance 2,211 3,211 856 688 6,966   Ending Balance: Individually evaluated for impairment 9 10 35 - 54   Ending Balance: Collectively evaluated for impairment 2,202 3,201 821 688 6,912   Totals: $ 2,211 $ 3,211 $ 856 $ 688 $ 6,966   Financing Receivables:  Ending Balance: Individually evaluated for impairment 736 2,865 503 1,357 5,461   Ending Balance: Collectively evaluated for impairment 174,087 295,661 87,486 60,852 618,086   Totals: $ 174,823 $ 298,526 $ 87,989 $ 62,209 $ 623,547      Note 8 – Loans, allowance for loan losses and OREO (continued)     Allowance for Loan Losses and Recorded Investment in Loans  (dollars in thousands)  As of and For the Year Ended December 31, 2019   Commercial  2019 Commercial Real Estate Consumer Residential Total   Allowance for Credit Losses:   Beginning Balance $ 1,136 $ 1,831 $ 956 $ 658 $ 4,581  Charge-Offs (106) (26) (189) (42) (363)  Recoveries 35 5 44 4 88  Provision 265 122 54 82 523  Ending Balance 1,330 1,932 865 702 4,829   Ending Balance: Individually evaluated for impairment 7 15 - 33 55   Ending Balance: Collectively evaluated for impairment 1,323 1,917 865 669 4,774   Totals: $ 1,330 $ 1,932 $ 865 $ 702 $ 4,829   Financing Receivables:  Ending Balance: Individually evaluated for impairment 475 3,056 107 1,429 5,067   Ending Balance: Collectively evaluated for impairment 113,782 300,844 89,838 68,572 573,036   Totals: $ 114,257 $ 303,900 $ 89,945 $ 70,001 $ 578,103 
Age Analysis Of Past Due Financing Receivables	  Age Analysis of Past Due Loans as of  September 30, 2020  ( dollars in thousands )  Greater Recorded Investment  30-59 Days 60-89 Days than Total Past Total > 90 Days & 2020 Past Due Past Due 90 Days Due Current Loans Accruing  Commercial $584 $95 $223 $902 $173,921 $174,823 $ - Commercial Real Estate:  Commercial Mortgages- Owner Occupied 405 7 1,013 1,425 101,291 102,716 -  Commercial Mortgages-Non-Owner Occupied 319 188 398 905 173,280 174,185 -  Commercial Construction - - - - 21,625 21,625 - Consumer:  Consumer Unsecured 4 - - 4 3,878 3,882 -  Consumer Secured 120 136 347 603 83,504 84,107 - Residential:  Residential Mortgages 515 - 212 727 47,776 48,503 -  Residential Consumer Construction - - - - 13,706 13,706 -  Total $1,947 $426 $2,193 $4,566 $618,981 $623,547 $ -    Age Analysis of Past Due Loans as of  December 31, 2019  ( dollars in thousands )  Greater Recorded Investment  30-59 Days 60-89 Days than Total Past Total > 90 Days & 2019 Past Due Past Due 90 Days Due Current Loans Accruing  Commercial $146 $1,084 $116 $1,346 $112,911 $114,257 $ - Commercial Real Estate:  Commercial Mortgages-Owner Occupied 234 192 143 569 104,223 104,792 -  Commercial Mortgages-Non-Owner Occupied 58 9 450 517 181,730 182,247 -  Commercial Construction - - - - 16,861 16,861 - Consumer:  Consumer Unsecured 52 3 - 55 6,812 6,867 -  Consumer Secured 316 130 21 467 82,611 83,078 - Residential:  Residential Mortgages 595 576 280 1,451 53,833 55,284 -  Residential Consumer Construction 492 - - 492 14,225 14,717 -  Total $1,893 $1,994 $1,010 $4,897 $573,206 $578,103 $ - 
Credit Quality Information-By Class	    Credit Quality Information - by Class  September 30, 2020  ( dollars in thousands ) 2020 Pass Monitor Special Substandard Doubtful Totals  Mention  Commercial $160,361 $5,091 $8,721 $650 $ - $174,823 Commercial Real Estate:  Commercial Mortgages -Owner Occupied 93,045 2,904 4,432 2,335 - 102,716  Commercial Mortgages-Non-Owner Occupied 164,525 7,310 1,689 661 - 174,185  Commercial Construction 21,625 - - - - 21,625 Consumer  Consumer Unsecured 3,850 - 30 2 - 3,882  Consumer Secured 83,404 - - 703 - 84,107 Residential:  Residential Mortgages 47,036 - - 1,467 - 48,503  Residential Consumer Construction 13,706 - - - - 13,706   Totals $587,552 $15,305 $14,872 $5,818 $ - $623,547      Credit Quality Information - by Class  December 31, 2019  ( dollars in thousands ) 2019 Pass Monitor Special Substandard Doubtful Totals  Mention  Commercial $108,907 $313 $4,518 $519 $ - $114,257 Commercial Real Estate:  Commercial Mortgages-Owner Occupied 93,553 446 8,316 2,477 - 104,792  Commercial Mortgages-Non -Owner Occupied 175,471 5,118 994 664 - 182,247  Commercial Construction 16,572 289 - - - 16,861 Consumer  Consumer Unsecured 6,867 - - - - 6,867  Consumer Secured 82,860 - - 218 - 83,078 Residential:  Residential Mortgages 53,714 - - 1,570 - 55,284  Residential Consumer Construction 14,416 301 - - - 14,717   Totals $552,360 $6,467 $13,828 $5,448 $- $578,103 

Basis Of Presentation (Narrativ

Basis Of Presentation (Narrative) (Details)	9 Months Ended
	Sep. 30, 2020item
Basis Of Presentation [Abstract]
Number of jurisdictions	7

Earnings Per Common Share (EP_3

Earnings Per Common Share (EPS) (Narrative) (Details) shares in Millions	12 Months Ended
	Dec. 31, 2019shares
Earnings Per Common Share (EPS) [Abstract]
Options excluded from calculating diluted EPS because their effect was anti-dilutive	0

Earnings Per Common Share (EP_4

Earnings Per Common Share (EPS) (Earnings Per Share) (Details) - USD ($)	3 Months Ended						9 Months Ended
	Sep. 30, 2020	Jun. 30, 2020	Mar. 31, 2020	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Sep. 30, 2020	Sep. 30, 2019
Earnings Per Common Share (EPS) [Abstract]
Net income	$ 1,454,000	$ 821,000	$ 995,000	$ 1,474,000	$ 1,377,000	$ 1,234,000	$ 3,270,000	$ 4,085,000
Weighted average number of shares	4,339,436			4,378,436			4,342,294	4,378,436
Restricted stock units affect of incremental shares				6,895				4,692
Weighted-average diluted shares	4,339,436			4,385,331			4,342,294	4,383,128
Basic EPS (weighted avg shares)	$ 0.34			$ 0.34			$ 0.75	$ 0.93
Diluted EPS (Including Option Shares)	$ 0.34			$ 0.34			$ 0.75	$ 0.93

Stock Based Compensation (Narra

Stock Based Compensation (Narrative) (Details) - USD ($) $ / shares in Units, $ in Thousands	Jan. 02, 2019	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019	May 15, 2018
The 2018 Incentive Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Shares authorized						250,000
Restricted Stock [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Shares granted	24,500
Shares forfeited		0		0
Price per share	$ 13
Vested period				3 years
Shares issued		0		0
Stock based compensation expense		$ 26,000	$ 26,000	$ 80,000	$ 80,000
Unrecognized stock based compensation expense		$ 133,000		$ 133,000
Unrecognized expense period				1 year 3 months
Year One [Member] | Restricted Stock [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Percentage of shares vested				33.30%

Fair Value Measurements (Narrat

Fair Value Measurements (Narrative) (Details) $ in Thousands	9 Months Ended
	Sep. 30, 2020USD ($)
Fair Value, Nonrecurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for sale, fair value adjustment	$ 0

Fair Value Measurements (Fair V

Fair Value Measurements (Fair Value Assets Measured On Recurring Basis) (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Securities available-for-sale, at fair value	$ 75,628	$ 59,655
IRLCs - asset	301
Total assets at fair value	75,929
IRLCs - liability	5
Total liabilities at fair value	5
Quoted Prices In Active Markets For Identical Assets (Level 1) [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Securities available-for-sale, at fair value
IRLCs - asset
Total assets at fair value
IRLCs - liability
Total liabilities at fair value
Significant Other Observable Inputs (Level 2) [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Securities available-for-sale, at fair value	75,628	59,655
IRLCs - asset
Total assets at fair value	75,628
IRLCs - liability
Significant Unobservable Inputs (Level 3) [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Securities available-for-sale, at fair value
IRLCs - asset	301
Total assets at fair value	301
IRLCs - liability	5
Total liabilities at fair value	5
US Treasuries [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Securities available-for-sale, at fair value	2,033	1,964
US Treasuries [Member] | Quoted Prices In Active Markets For Identical Assets (Level 1) [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Securities available-for-sale, at fair value
US Treasuries [Member] | Significant Other Observable Inputs (Level 2) [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Securities available-for-sale, at fair value	2,033	1,964
US Treasuries [Member] | Significant Unobservable Inputs (Level 3) [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Securities available-for-sale, at fair value
US Agency Obligations [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Securities available-for-sale, at fair value	40,929	32,108
US Agency Obligations [Member] | Quoted Prices In Active Markets For Identical Assets (Level 1) [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Securities available-for-sale, at fair value
US Agency Obligations [Member] | Significant Other Observable Inputs (Level 2) [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Securities available-for-sale, at fair value	40,929	32,108
US Agency Obligations [Member] | Significant Unobservable Inputs (Level 3) [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Securities available-for-sale, at fair value
Mortgage-Backed Securities [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Securities available-for-sale, at fair value	8,461	10,264
Mortgage-Backed Securities [Member] | Quoted Prices In Active Markets For Identical Assets (Level 1) [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Securities available-for-sale, at fair value
Mortgage-Backed Securities [Member] | Significant Other Observable Inputs (Level 2) [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Securities available-for-sale, at fair value	8,461	10,264
Mortgage-Backed Securities [Member] | Significant Unobservable Inputs (Level 3) [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Securities available-for-sale, at fair value
Municipals [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Securities available-for-sale, at fair value	18,906	11,222
Municipals [Member] | Quoted Prices In Active Markets For Identical Assets (Level 1) [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Securities available-for-sale, at fair value
Municipals [Member] | Significant Other Observable Inputs (Level 2) [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Securities available-for-sale, at fair value	18,906	11,222
Municipals [Member] | Significant Unobservable Inputs (Level 3) [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Securities available-for-sale, at fair value
Corporates [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Securities available-for-sale, at fair value	5,299	4,097
Corporates [Member] | Quoted Prices In Active Markets For Identical Assets (Level 1) [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Securities available-for-sale, at fair value
Corporates [Member] | Significant Other Observable Inputs (Level 2) [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Securities available-for-sale, at fair value	5,299	4,097
Corporates [Member] | Significant Unobservable Inputs (Level 3) [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Securities available-for-sale, at fair value

Fair Value Measurements (Inform

Fair Value Measurements (Information Regarding Quantitative Inputs Used To Value Assets Classified As Level 3 - Recurring) (Details) $ in Thousands	Sep. 30, 2020USD ($)item
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Assets, Fair Value | $	$ 75,929
Significant Unobservable Inputs (Level 3) [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Assets, Fair Value | $	301
IRLCs - Asset [Member] | Fair Value, Recurring [Member] | Valuation, Market Approach [Member] | Significant Unobservable Inputs (Level 3) [Member] | Measurement Input, Range Of Pull Through Rate [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Assets, Fair Value | $	$ 301
IRLCs - Asset [Member] | Fair Value, Recurring [Member] | Minimum [Member] | Valuation, Market Approach [Member] | Significant Unobservable Inputs (Level 3) [Member] | Measurement Input, Range Of Pull Through Rate [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Derivative Asset, Measurement Input	70
IRLCs - Asset [Member] | Fair Value, Recurring [Member] | Maximum [Member] | Valuation, Market Approach [Member] | Significant Unobservable Inputs (Level 3) [Member] | Measurement Input, Range Of Pull Through Rate [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Derivative Asset, Measurement Input	100
IRLCs - Asset [Member] | Fair Value, Recurring [Member] | Weighted Average [Member] | Valuation, Market Approach [Member] | Significant Unobservable Inputs (Level 3) [Member] | Measurement Input, Range Of Pull Through Rate [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Derivative Asset, Measurement Input	85
IRLCs - Liability [Member] | Fair Value, Recurring [Member] | Valuation, Market Approach [Member] | Significant Unobservable Inputs (Level 3) [Member] | Measurement Input, Range Of Pull Through Rate [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Assets, Fair Value | $	$ 5
IRLCs - Liability [Member] | Fair Value, Recurring [Member] | Minimum [Member] | Valuation, Market Approach [Member] | Significant Unobservable Inputs (Level 3) [Member] | Measurement Input, Range Of Pull Through Rate [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Derivative Liability, Measurement Input	70
IRLCs - Liability [Member] | Fair Value, Recurring [Member] | Maximum [Member] | Valuation, Market Approach [Member] | Significant Unobservable Inputs (Level 3) [Member] | Measurement Input, Range Of Pull Through Rate [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Derivative Liability, Measurement Input	100
IRLCs - Liability [Member] | Fair Value, Recurring [Member] | Weighted Average [Member] | Valuation, Market Approach [Member] | Significant Unobservable Inputs (Level 3) [Member] | Measurement Input, Range Of Pull Through Rate [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Derivative Liability, Measurement Input	85

Fair Value Measurements (Impair

Fair Value Measurements (Impaired Loans And Other Real Estate Owned Measured At Fair Value On A Nonrecurring Basis) (Details) - USD ($) $ in Thousands		Sep. 30, 2020	Dec. 31, 2019	Dec. 31, 2018
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Impaired loans	[1]	$ 2,399	$ 1,239
Other real estate owned		1,405	2,339	$ 2,430
Quoted Prices In Active Markets For Identical Assets (Level 1) [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Impaired loans	[1]
Other real estate owned
Significant Unobservable Inputs (Level 3) [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Impaired loans	[1]	2,399	1,239
Other real estate owned		$ 1,405	$ 2,339
[1]	Includes loans charged down to the net realizable value of the collateral.

Fair Value Measurements (Info_2

Fair Value Measurements (Information Regarding Quantitative Inputs Used To Value Assets Classified As Level 3 - Nonrecurring) (Details) $ in Thousands		Sep. 30, 2020USD ($)item	Dec. 31, 2019USD ($)item
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Assets, Fair Value | $		$ 75,929
Significant Unobservable Inputs (Level 3) [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Assets, Fair Value | $		301
Fair Value, Nonrecurring [Member] | Impaired Loans [Member] | Significant Unobservable Inputs (Level 3) [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Assets, Fair Value | $		$ 2,399	$ 1,239
Fair Value, Nonrecurring [Member] | Impaired Loans [Member] | Minimum [Member] | Discounted Appraised Value [Member] | Significant Unobservable Inputs (Level 3) [Member] | Selling Cost [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Impaired loans	[1]	0	0
Fair Value, Nonrecurring [Member] | Impaired Loans [Member] | Minimum [Member] | Discounted Appraised Value [Member] | Significant Unobservable Inputs (Level 3) [Member] | Discount For Lack Of Marketability And Age Of Appraisal [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Impaired loans	[1]	0	0
Fair Value, Nonrecurring [Member] | Impaired Loans [Member] | Maximum [Member] | Discounted Appraised Value [Member] | Significant Unobservable Inputs (Level 3) [Member] | Selling Cost [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Impaired loans	[1]	10	10
Fair Value, Nonrecurring [Member] | Impaired Loans [Member] | Maximum [Member] | Discounted Appraised Value [Member] | Significant Unobservable Inputs (Level 3) [Member] | Discount For Lack Of Marketability And Age Of Appraisal [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Impaired loans	[1]	20	20
Fair Value, Nonrecurring [Member] | Impaired Loans [Member] | Weighted Average [Member] | Discounted Appraised Value [Member] | Significant Unobservable Inputs (Level 3) [Member] | Selling Cost [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Impaired loans	[1]	8	8
Fair Value, Nonrecurring [Member] | Impaired Loans [Member] | Weighted Average [Member] | Discounted Appraised Value [Member] | Significant Unobservable Inputs (Level 3) [Member] | Discount For Lack Of Marketability And Age Of Appraisal [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Impaired loans	[1]	6	6
Fair Value, Nonrecurring [Member] | OREO [Member] | Significant Unobservable Inputs (Level 3) [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Assets, Fair Value | $		$ 1,405	$ 2,339
Fair Value, Nonrecurring [Member] | OREO [Member] | Minimum [Member] | Discounted Appraised Value [Member] | Significant Unobservable Inputs (Level 3) [Member] | Selling Cost [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
OREO	[1]	0	0
Fair Value, Nonrecurring [Member] | OREO [Member] | Minimum [Member] | Discounted Appraised Value [Member] | Significant Unobservable Inputs (Level 3) [Member] | Discount For Lack Of Marketability And Age Of Appraisal [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
OREO	[1]	0	0
Fair Value, Nonrecurring [Member] | OREO [Member] | Maximum [Member] | Discounted Appraised Value [Member] | Significant Unobservable Inputs (Level 3) [Member] | Selling Cost [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
OREO	[1]	10	10
Fair Value, Nonrecurring [Member] | OREO [Member] | Maximum [Member] | Discounted Appraised Value [Member] | Significant Unobservable Inputs (Level 3) [Member] | Discount For Lack Of Marketability And Age Of Appraisal [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
OREO	[1]	25	25
Fair Value, Nonrecurring [Member] | OREO [Member] | Weighted Average [Member] | Discounted Appraised Value [Member] | Significant Unobservable Inputs (Level 3) [Member] | Selling Cost [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
OREO	[1]	6	6
Fair Value, Nonrecurring [Member] | OREO [Member] | Weighted Average [Member] | Discounted Appraised Value [Member] | Significant Unobservable Inputs (Level 3) [Member] | Discount For Lack Of Marketability And Age Of Appraisal [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
OREO	[1]	15	15
[1]	Weighted based on the relative value of the instruments.

Fair Value Measurements (Fair_2

Fair Value Measurements (Fair Value Carrying And Notional Amounts) (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and due from banks	$ 30,324	$ 30,794
Fed funds sold	64,720	8,317
Available-for-sale Securities	75,628	59,655
Held-to-maturity Securities	3,675	3,688
Restricted stock	1,551	1,506
Loans held for sale	10,232	4,221
Interest receivable	2,558	1,866
BOLI	16,489	13,686
Derivatives - IRLCs	301
Interest payable	140	173
Derivatives - IRLCs	5
Quoted Prices In Active Markets For Identical Assets (Level 1) [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and due from banks	30,324	30,794
Fed funds sold	64,720	8,317
Available-for-sale Securities
Held-to-maturity Securities
Restricted stock
Loans, net
Loans held for sale
Interest receivable
BOLI
Derivatives - IRLCs
Deposits
Capital notes
Interest payable
Derivatives - IRLCs
Significant Other Observable Inputs (Level 2) [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and due from banks
Fed funds sold
Available-for-sale Securities	75,628	59,655
Held-to-maturity Securities	4,283	3,861
Restricted stock	1,551	1,506
Loans, net
Loans held for sale	10,232	4,221
Interest receivable	2,558	1,866
BOLI	16,489	13,686
Derivatives - IRLCs
Deposits	765,491	651,479
Capital notes	8,949	4,795
Interest payable	140	173
Derivatives - IRLCs
Significant Unobservable Inputs (Level 3) [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and due from banks
Fed funds sold
Available-for-sale Securities
Held-to-maturity Securities
Restricted stock
Loans, net	614,896	569,850	[1]
Loans held for sale
Interest receivable
BOLI
Derivatives - IRLCs	301
Deposits
Capital notes
Interest payable
Derivatives - IRLCs	5
Carrying Amounts [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and due from banks	30,324	30,794
Fed funds sold	64,720	8,317
Available-for-sale Securities	75,628	59,655
Held-to-maturity Securities	3,675	3,688
Restricted stock	1,551	1,506
Loans, net	616,581	573,274	[1]
Loans held for sale	10,232	4,221
Interest receivable	2,558	1,866
BOLI	16,489	13,686
Derivatives - IRLCs	301
Deposits	763,933	649,459
Capital notes	10,026	5,000
Interest payable	140	173
Derivatives - IRLCs	5
Fair Values [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and due from banks	30,324	30,794
Fed funds sold	64,720	8,317
Available-for-sale Securities	75,628	59,655
Held-to-maturity Securities	4,283	3,861
Restricted stock	1,551	1,506
Loans, net	614,896	569,850	[1]
Loans held for sale	10,232	4,221
Interest receivable	2,558	1,866
BOLI	16,489	13,686
Derivatives - IRLCs	301
Deposits	765,491	651,479
Capital notes	8,949	4,795
Interest payable	140	$ 173
Derivatives - IRLCs	$ 5
[1]	Carrying amount is net of unearned income and the Allowance.

Securities (Narrative) (Details

Securities (Narrative) (Details) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2020USD ($)security	Sep. 30, 2019USD ($)	Sep. 30, 2020USD ($)security	Sep. 30, 2019USD ($)
Securities [Abstract]
Securities evaluated for other than temporary impairment | security	10		10
Available-for-sale Securities, Gross Realized Gains	$ 0		$ 644	$ 291
Available-for-sale Securities, Gross Realized Losses	0	$ 0	0	0
Held-to-maturity securities sales	$ 0	$ 0	$ 0	$ 0

Securities (Summary Of Securiti

Securities (Summary Of Securities Held-To-Maturity And Securities Available-For-Sale) (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Schedule Of Available-For-Sale Securities And Held-To-Maturity Securities [Line Items]
Held-to-Maturity	$ 3,675	$ 3,688
Held-to-Maturity, Fair Value	4,283	3,861
Available-for-Sale, Amortized Costs	72,780	59,661
Available-for-Sale, Gross Unrealized Gains	2,936	469
Available-for-Sale, Gross Unrealized Losses	(88)	(475)
Available-for-sale, Fair Value	75,628	59,655
US Treasuries [Member]
Schedule Of Available-For-Sale Securities And Held-To-Maturity Securities [Line Items]
Available-for-Sale, Amortized Costs	2,000	1,966
Available-for-Sale, Gross Unrealized Gains	33
Available-for-Sale, Gross Unrealized Losses		(2)
Available-for-sale, Fair Value	2,033	1,964
US Agency Obligations [Member]
Schedule Of Available-For-Sale Securities And Held-To-Maturity Securities [Line Items]
Held-to-Maturity	3,675	3,688
Held-to-maturity, Gross Unrealized Gains	608	173
Held-to-Maturity, Fair Value	4,283	3,861
Available-for-Sale, Amortized Costs	39,201	32,163
Available-for-Sale, Gross Unrealized Gains	1,780	278
Available-for-Sale, Gross Unrealized Losses	(52)	(333)
Available-for-sale, Fair Value	40,929	32,108
Mortgage-Backed Securities [Member]
Schedule Of Available-For-Sale Securities And Held-To-Maturity Securities [Line Items]
Available-for-Sale, Amortized Costs	8,190	10,328
Available-for-Sale, Gross Unrealized Gains	271	42
Available-for-Sale, Gross Unrealized Losses		(106)
Available-for-sale, Fair Value	8,461	10,264
Municipals [Member]
Schedule Of Available-For-Sale Securities And Held-To-Maturity Securities [Line Items]
Available-for-Sale, Amortized Costs	18,315	11,118
Available-for-Sale, Gross Unrealized Gains	627	117
Available-for-Sale, Gross Unrealized Losses	(36)	(13)
Available-for-sale, Fair Value	18,906	11,222
Corporates [Member]
Schedule Of Available-For-Sale Securities And Held-To-Maturity Securities [Line Items]
Available-for-Sale, Amortized Costs	5,074	4,086
Available-for-Sale, Gross Unrealized Gains	225	32
Available-for-Sale, Gross Unrealized Losses		(21)
Available-for-sale, Fair Value	$ 5,299	$ 4,097

Securities (Gross Unrealized Lo

Securities (Gross Unrealized Losses And Fair Value Of The Bank's Investments) (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Schedule of Available-for-sale Securities [Line Items]
Fair Value, Less than 12 months	$ 14,327	$ 12,395
Unrealized Losses, Less than 12 months	88	218
Fair Value, More than 12 months		24,399
Unrealized Losses, More than 12 months		257
Fair Value, Total	14,327	36,794
Unrealized Losses, Total	88	475
US Treasuries [Member]
Schedule of Available-for-sale Securities [Line Items]
Fair Value, Less than 12 months
Unrealized Losses, Less than 12 months
Fair Value, More than 12 months		1,964
Unrealized Losses, More than 12 months		2
Fair Value, Total		1,964
Unrealized Losses, Total		2
US Agency Obligations [Member]
Schedule of Available-for-sale Securities [Line Items]
Fair Value, Less than 12 months, Held-to-maturity
Unrealized Losses, Less than 12 months, Held-to-maturity
Fair Value, More than 12 months, Held-to-maturity
Unrealized Losses, More than 12 months, Held-to-maturity
Fair Value, Total, Held-to-maturity
Unrealized Losses, Total, Held-to-maturity
Fair Value, Less than 12 months	8,774	12,395
Unrealized Losses, Less than 12 months	52	218
Fair Value, More than 12 months		12,048
Unrealized Losses, More than 12 months		115
Fair Value, Total	8,774	24,443
Unrealized Losses, Total	52	333
Mortgage-Backed Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Fair Value, Less than 12 months
Unrealized Losses, Less than 12 months
Fair Value, More than 12 months		6,609
Unrealized Losses, More than 12 months		106
Fair Value, Total		6,609
Unrealized Losses, Total		106
Municipals [Member]
Schedule of Available-for-sale Securities [Line Items]
Fair Value, Less than 12 months	5,553
Unrealized Losses, Less than 12 months	36
Fair Value, More than 12 months		2,736
Unrealized Losses, More than 12 months		13
Fair Value, Total	5,553	2,736
Unrealized Losses, Total	36	13
Corporates [Member]
Schedule of Available-for-sale Securities [Line Items]
Fair Value, Less than 12 months
Unrealized Losses, Less than 12 months
Fair Value, More than 12 months		1,042
Unrealized Losses, More than 12 months		21
Fair Value, Total		1,042
Unrealized Losses, Total		$ 21

Business Segments (Narrative) (

Business Segments (Narrative) (Details)	9 Months Ended
	Sep. 30, 2020segment
Business Segments [Abstract]
Number of reportable segments	2

Business Segments (Schedule Of

Business Segments (Schedule Of Segment Reporting Information, By Segment) (Details) - USD ($)	3 Months Ended						9 Months Ended		12 Months Ended
	Sep. 30, 2020	Jun. 30, 2020	Mar. 31, 2020	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Sep. 30, 2020	Sep. 30, 2019	Dec. 31, 2019
Segment Reporting Information [Line Items]
Net interest income	$ 6,203,000			$ 6,165,000			$ 18,257,000	$ 18,447,000
Provision for loan losses	700,000			108,000			2,348,000	434,000	$ 523,000
Net interest income after provision for loan losses	5,503,000			6,057,000			15,909,000	18,013,000
Noninterest income	3,064,000			2,161,000			8,039,000	5,039,000
Noninterest expenses	6,744,000			6,373,000			19,876,000	17,947,000
Income before income taxes	1,823,000			1,845,000			4,072,000	5,105,000
Income tax expense	369,000			371,000			802,000	1,020,000
Net income	1,454,000	$ 821,000	$ 995,000	1,474,000	$ 1,377,000	$ 1,234,000	3,270,000	4,085,000
Total assets	849,129,000			708,114,000			849,129,000	708,114,000	$ 725,394,000
Community Banking [Member] | Operating Segments [Member]
Segment Reporting Information [Line Items]
Net interest income	6,203,000			6,165,000			18,257,000	18,447,000
Provision for loan losses	700,000			108,000			2,348,000	434,000
Net interest income after provision for loan losses	5,503,000			6,057,000			15,909,000	18,013,000
Noninterest income	605,000			824,000			2,453,000	1,936,000
Noninterest expenses	5,322,000			5,453,000			16,271,000	15,700,000
Income before income taxes	786,000			1,428,000			2,091,000	4,249,000
Income tax expense	151,000			283,000			386,000	840,000
Net income	635,000			1,145,000			1,705,000	3,409,000
Total assets	838,425,000			702,215,000			838,425,000	702,215,000
Mortgage [Member] | Operating Segments [Member]
Segment Reporting Information [Line Items]
Noninterest income	2,459,000			1,337,000			5,586,000	3,103,000
Noninterest expenses	1,422,000			920,000			3,605,000	2,247,000
Income before income taxes	1,037,000			417,000			1,981,000	856,000
Income tax expense	218,000			88,000			416,000	180,000
Net income	819,000			329,000			1,565,000	676,000
Total assets	$ 10,704,000			$ 5,899,000			$ 10,704,000	$ 5,899,000

Loans, Allowance For Loan Los_3

Loans, Allowance For Loan Losses And OREO (Narrative) (Details) $ in Thousands	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2020USD ($)contractloanitem	Sep. 30, 2019contract	Sep. 30, 2020USD ($)contractloanitem	Sep. 30, 2019contract	Dec. 31, 2019USD ($)contractitem	Dec. 31, 2018USD ($)
Financing Receivable, Modifications [Line Items]
Loan modifications that would have been classified as TDRs | contract	0	0	0	0
Loan modifications classified as TDRs | contract	0	0	0	0
Outstanding commitments to disburse additional funds on TDR's | contract			0		0
Other real estate owned	$ 1,405		$ 1,405		$ 2,339	$ 2,430
Principal Balance	$ 95,258,000		$ 95,258,000
Number of loans modified | loan	184		184
Residential [Member]
Financing Receivable, Modifications [Line Items]
Number of real estate properties held | item	0		0		4
Other real estate owned					$ 325
Modified Loans [Member]
Financing Receivable, Modifications [Line Items]
Principal Balance	$ 8,944,000		$ 8,944,000
Number of loans modified | loan	9		9
Modified Loans One [Member]
Financing Receivable, Modifications [Line Items]
Principal Balance	$ 8,089,000		$ 8,089,000
Number of loans modified | loan	4		4
Modified Loans Two [Member]
Financing Receivable, Modifications [Line Items]
Principal Balance	$ 855,000		$ 855,000
Number of loans modified | loan	5		5
Modified Loans, Second Deferrals [Member]
Financing Receivable, Modifications [Line Items]
Principal Balance	$ 6,000,000		$ 6,000,000
Number of loans modified | loan	4		4
Covid-19 [Member] | Loan Portfolio [Member] | Modified Loans [Member]
Financing Receivable, Modifications [Line Items]
Percent of total loan portfolio			1.43%

Loans, Allowance For Loan Los_4

Loans, Allowance For Loan Losses And OREO (Summary Of Loans, Net) (Details) - USD ($) $ in Thousands		Sep. 30, 2020	Dec. 31, 2019
Loans and Leases Receivable Disclosure [Line Items]
Total loans	[1]	$ 623,547	$ 578,103
Less allowance for loan losses		6,966	4,829
Net loans		616,581	573,274
Deferred loan costs		(1,301)	572
Commercial [Member]
Loans and Leases Receivable Disclosure [Line Items]
Total loans		174,823	114,257
Less allowance for loan losses		2,211	1,330
Commercial Real Estate [Member]
Loans and Leases Receivable Disclosure [Line Items]
Total loans		298,526	303,900
Less allowance for loan losses		3,211	1,932
Consumer [Member]
Loans and Leases Receivable Disclosure [Line Items]
Total loans		87,989	89,945
Less allowance for loan losses		856	865
Residential [Member]
Loans and Leases Receivable Disclosure [Line Items]
Total loans		62,209	70,001
Less allowance for loan losses		$ 688	$ 702
[1]	Includes net deferred (fees) and costs/premiums of ($1,301) and $572 as of September 30, 2020 and December 31, 2019, respectively.

Loans, Allowance For Loan Los_5

Loans, Allowance For Loan Losses And OREO (Loans On Non-Accrual Status) (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Financing Receivable, Recorded Investment [Line Items]
Financing Receivables on Non-Accrual Status	$ 2,538	$ 1,301
Commercial [Member] | Commercial [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivables on Non-Accrual Status	426	262
Commercial Real Estate [Member] | Commercial Mortgages-Owner Occupied [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivables on Non-Accrual Status	1,118	262
Commercial Real Estate [Member] | Commercial Mortgages-Non-Owner Occupied [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivables on Non-Accrual Status	408	450
Commercial Real Estate [Member] | Commercial Construction [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivables on Non-Accrual Status
Consumer [Member] | Consumer Unsecured [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivables on Non-Accrual Status
Consumer [Member] | Consumer Secured [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivables on Non-Accrual Status	374	47
Residential [Member] | Residential Mortgages [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivables on Non-Accrual Status	212	280
Residential [Member] | Residential Consumer Construction [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivables on Non-Accrual Status

Loans, Allowance For Loan Los_6

Loans, Allowance For Loan Losses And OREO (Changes In OREO Balance) (Details) - USD ($) $ in Thousands	9 Months Ended		12 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Dec. 31, 2019
Loans, Allowance For Loan Losses and OREO [Abstract]
Balance at the beginning of the year (net)	$ 2,339	$ 2,430	$ 2,430
Transfers from loans	18	460	785
Valuation adjustments	(137)		(287)
Sales proceeds	(844)		(570)
Gain (loss) on disposition	29	$ (13)	(19)
Balance at the end of the period (net)	$ 1,405		$ 2,339

Loans, Allowance For Loan Los_7

Loans, Allowance For Loan Losses And OREO (Impaired Loans) (Details) - USD ($) $ in Thousands	9 Months Ended	12 Months Ended
	Sep. 30, 2020	Dec. 31, 2019
Financing Receivable, Impaired [Line Items]
Totals: Recorded Investment	$ 5,461	$ 5,067
Totals: Unpaid Principal Balance	6,632	5,852
Totals: Related Allowance	54	55
Totals: Average Recorded Investment	5,266	5,826
Totals: Interest Income Recognized	226	323
Commercial [Member]
Financing Receivable, Impaired [Line Items]
With No Related Allowance Recorded: Recorded Investment	645	468
With No Related Allowance Recorded: Unpaid Principal Balance	1,245	1,036
With No Related Allowance Recorded: Average Recorded Investment	557	949
With No Related Allowance Recorded: Interest Income Recognized	31	26
With An Allowance Recorded: Recorded Investment	91	7
With An Allowance Recorded: Unpaid Principal Balance	91	7
With An Allowance Recorded: Average Recorded Investment	49	19
With An Allowance Recorded: Interest Income Recognized		1
Totals: Recorded Investment	736	475
Totals: Unpaid Principal Balance	1,336	1,043
Totals: Related Allowance	9	7
Totals: Average Recorded Investment	606	968
Totals: Interest Income Recognized	31	27
Commercial Real Estate [Member] | Commercial Mortgages-Owner Occupied [Member]
Financing Receivable, Impaired [Line Items]
With No Related Allowance Recorded: Recorded Investment	2,176	2,467
With No Related Allowance Recorded: Unpaid Principal Balance	2,599	2,643
With No Related Allowance Recorded: Average Recorded Investment	2,322	2,441
With No Related Allowance Recorded: Interest Income Recognized	103	183
With An Allowance Recorded: Recorded Investment	160	12
With An Allowance Recorded: Unpaid Principal Balance	203	12
With An Allowance Recorded: Average Recorded Investment	86	26
With An Allowance Recorded: Interest Income Recognized	3	1
Totals: Recorded Investment	2,336	2,479
Totals: Unpaid Principal Balance	2,802	2,655
Totals: Related Allowance	10	12
Totals: Average Recorded Investment	2,408	2,467
Totals: Interest Income Recognized	106	184
Commercial Real Estate [Member] | Commercial Mortgages-Non-Owner Occupied [Member]
Financing Receivable, Impaired [Line Items]
With No Related Allowance Recorded: Recorded Investment	529	563
With No Related Allowance Recorded: Unpaid Principal Balance	560	585
With No Related Allowance Recorded: Average Recorded Investment	546	347
With No Related Allowance Recorded: Interest Income Recognized	28	32
With An Allowance Recorded: Recorded Investment		14
With An Allowance Recorded: Unpaid Principal Balance		14
With An Allowance Recorded: Average Recorded Investment	7	52
With An Allowance Recorded: Interest Income Recognized		1
Totals: Recorded Investment	529	577
Totals: Unpaid Principal Balance	560	599
Totals: Related Allowance		3
Totals: Average Recorded Investment	553	399
Totals: Interest Income Recognized	28	33
Consumer [Member] | Consumer Unsecured [Member]
Financing Receivable, Impaired [Line Items]
With An Allowance Recorded: Average Recorded Investment		1
Totals: Average Recorded Investment		1
Consumer [Member] | Consumer Secured [Member]
Financing Receivable, Impaired [Line Items]
With No Related Allowance Recorded: Recorded Investment	265	107
With No Related Allowance Recorded: Unpaid Principal Balance	265	107
With No Related Allowance Recorded: Average Recorded Investment	186	98
With No Related Allowance Recorded: Interest Income Recognized	10	7
With An Allowance Recorded: Recorded Investment	238
With An Allowance Recorded: Unpaid Principal Balance	248
With An Allowance Recorded: Average Recorded Investment	119	53
With An Allowance Recorded: Interest Income Recognized	2
Totals: Recorded Investment	503	107
Totals: Unpaid Principal Balance	513	107
Totals: Related Allowance	35
Totals: Average Recorded Investment	305	151
Totals: Interest Income Recognized	12	7
Residential [Member] | Residential Mortgages [Member]
Financing Receivable, Impaired [Line Items]
With No Related Allowance Recorded: Recorded Investment	1,357	1,290
With No Related Allowance Recorded: Unpaid Principal Balance	1,421	1,290
With No Related Allowance Recorded: Average Recorded Investment	1,324	1,583
With No Related Allowance Recorded: Interest Income Recognized	49	68
With An Allowance Recorded: Recorded Investment		139
With An Allowance Recorded: Unpaid Principal Balance		158
With An Allowance Recorded: Average Recorded Investment	70	257
With An Allowance Recorded: Interest Income Recognized		4
Totals: Recorded Investment	1,357	1,429
Totals: Unpaid Principal Balance	1,421	1,448
Totals: Related Allowance		33
Totals: Average Recorded Investment	1,394	1,840
Totals: Interest Income Recognized	$ 49	$ 72

Loans, Allowance For Loan Los_8

Loans, Allowance For Loan Losses And OREO (Allowance For Loan Losses And Recorded Investment In Loans) (Details) - USD ($) $ in Thousands		3 Months Ended		9 Months Ended		12 Months Ended
		Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019	Dec. 31, 2019
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for Credit Losses: Beginning Balance				$ 4,829	$ 4,581	$ 4,581
Allowance for Credit Losses: Charge-offs				(396)		(363)
Allowance for Credit Losses: Recoveries				185		88
Allowance for credit losses: Provision		$ 700	$ 108	2,348	434	523
Allowance for Credit Losses: Ending Balance		6,966		6,966		4,829
Allowance for Credit Losses: Ending Balance: Individually evaluated for impairment		54		54		55
Allowance for Credit Losses: Ending Balance: Collectively evaluated for impairment		6,912		6,912		4,774
Allowance for Credit Losses: Totals		6,966		6,966		4,829
Financing Receivables: Ending Balance: Individually evaluated for impairment		5,461		5,461		5,067
Financing Receivables: Ending Balance: Collectively evaluated for impairment		618,086		618,086		573,036
Total loans	[1]	623,547		623,547		578,103
Commercial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for Credit Losses: Beginning Balance				1,330	1,136	1,136
Allowance for Credit Losses: Charge-offs				(69)		(106)
Allowance for Credit Losses: Recoveries				15		35
Allowance for credit losses: Provision				935		265
Allowance for Credit Losses: Ending Balance		2,211		2,211		1,330
Allowance for Credit Losses: Ending Balance: Individually evaluated for impairment		9		9		7
Allowance for Credit Losses: Ending Balance: Collectively evaluated for impairment		2,202		2,202		1,323
Allowance for Credit Losses: Totals		2,211		2,211		1,330
Financing Receivables: Ending Balance: Individually evaluated for impairment		736		736		475
Financing Receivables: Ending Balance: Collectively evaluated for impairment		174,087		174,087		113,782
Total loans		174,823		174,823		114,257
Commercial Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for Credit Losses: Beginning Balance				1,932	1,831	1,831
Allowance for Credit Losses: Charge-offs				(217)		(26)
Allowance for Credit Losses: Recoveries				137		5
Allowance for credit losses: Provision				1,359		122
Allowance for Credit Losses: Ending Balance		3,211		3,211		1,932
Allowance for Credit Losses: Ending Balance: Individually evaluated for impairment		10		10		15
Allowance for Credit Losses: Ending Balance: Collectively evaluated for impairment		3,201		3,201		1,917
Allowance for Credit Losses: Totals		3,211		3,211		1,932
Financing Receivables: Ending Balance: Individually evaluated for impairment		2,865		2,865		3,056
Financing Receivables: Ending Balance: Collectively evaluated for impairment		295,661		295,661		300,844
Total loans		298,526		298,526		303,900
Consumer [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for Credit Losses: Beginning Balance				865	956	956
Allowance for Credit Losses: Charge-offs				(59)		(189)
Allowance for Credit Losses: Recoveries				30		44
Allowance for credit losses: Provision				20		54
Allowance for Credit Losses: Ending Balance		856		856		865
Allowance for Credit Losses: Ending Balance: Individually evaluated for impairment		35		35
Allowance for Credit Losses: Ending Balance: Collectively evaluated for impairment		821		821		865
Allowance for Credit Losses: Totals		856		856		865
Financing Receivables: Ending Balance: Individually evaluated for impairment		503		503		107
Financing Receivables: Ending Balance: Collectively evaluated for impairment		87,486		87,486		89,838
Total loans		87,989		87,989		89,945
Residential [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for Credit Losses: Beginning Balance				702	$ 658	658
Allowance for Credit Losses: Charge-offs				(51)		(42)
Allowance for Credit Losses: Recoveries				3		4
Allowance for credit losses: Provision				34		82
Allowance for Credit Losses: Ending Balance		688		688		702
Allowance for Credit Losses: Ending Balance: Individually evaluated for impairment						33
Allowance for Credit Losses: Ending Balance: Collectively evaluated for impairment		688		688		669
Allowance for Credit Losses: Totals		688		688		702
Financing Receivables: Ending Balance: Individually evaluated for impairment		1,357		1,357		1,429
Financing Receivables: Ending Balance: Collectively evaluated for impairment		60,852		60,852		68,572
Total loans		$ 62,209		$ 62,209		$ 70,001
[1]	Includes net deferred (fees) and costs/premiums of ($1,301) and $572 as of September 30, 2020 and December 31, 2019, respectively.

Loans, Allowance For Loan Los_9

Loans, Allowance For Loan Losses And OREO (Age Analysis Of Past Due Financing Receivables) (Details) - USD ($) $ in Thousands		Sep. 30, 2020	Dec. 31, 2019
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due		$ 4,566	$ 4,897
Current		618,981	573,206
Total loans	[1]	623,547	578,103
Recorded Investment > 90 Days & Accruing
30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due		1,947	1,893
60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due		426	1,994
Greater than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due		2,193	1,010
Commercial [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due		902	1,346
Current		173,921	112,911
Total loans		174,823	114,257
Recorded Investment > 90 Days & Accruing
Commercial [Member] | 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due		584	146
Commercial [Member] | 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due		95	1,084
Commercial [Member] | Greater than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due		223	116
Commercial Real Estate [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans		298,526	303,900
Commercial Real Estate [Member] | Commercial Mortgages-Owner Occupied [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due		1,425	569
Current		101,291	104,223
Total loans		102,716	104,792
Recorded Investment > 90 Days & Accruing
Commercial Real Estate [Member] | Commercial Mortgages-Non-Owner Occupied [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due		905	517
Current		173,280	181,730
Total loans		174,185	182,247
Recorded Investment > 90 Days & Accruing
Commercial Real Estate [Member] | Commercial Construction [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current		21,625	16,861
Total loans		21,625	16,861
Recorded Investment > 90 Days & Accruing
Commercial Real Estate [Member] | 30 to 59 Days Past Due [Member] | Commercial Mortgages-Owner Occupied [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due		405	234
Commercial Real Estate [Member] | 30 to 59 Days Past Due [Member] | Commercial Mortgages-Non-Owner Occupied [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due		319	58
Commercial Real Estate [Member] | 60 to 89 Days Past Due [Member] | Commercial Mortgages-Owner Occupied [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due		7	192
Commercial Real Estate [Member] | 60 to 89 Days Past Due [Member] | Commercial Mortgages-Non-Owner Occupied [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due		188	9
Commercial Real Estate [Member] | Greater than 90 Days Past Due [Member] | Commercial Mortgages-Owner Occupied [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due		1,013	143
Commercial Real Estate [Member] | Greater than 90 Days Past Due [Member] | Commercial Mortgages-Non-Owner Occupied [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due		398	450
Residential [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans		62,209	70,001
Residential [Member] | Residential Mortgages [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due		727	1,451
Current		47,776	53,833
Total loans		48,503	55,284
Recorded Investment > 90 Days & Accruing
Residential [Member] | Residential Consumer Construction [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due			492
Current		13,706	14,225
Total loans		13,706	14,717
Recorded Investment > 90 Days & Accruing
Residential [Member] | 30 to 59 Days Past Due [Member] | Residential Mortgages [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due		515	595
Residential [Member] | 30 to 59 Days Past Due [Member] | Residential Consumer Construction [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due			492
Residential [Member] | 60 to 89 Days Past Due [Member] | Residential Mortgages [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due			576
Residential [Member] | Greater than 90 Days Past Due [Member] | Residential Mortgages [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due		212	280
Consumer [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans		87,989	89,945
Consumer [Member] | Consumer Unsecured [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due		4	55
Current		3,878	6,812
Total loans		3,882	6,867
Recorded Investment > 90 Days & Accruing
Consumer [Member] | Consumer Secured [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due		603	467
Current		83,504	82,611
Total loans		84,107	83,078
Recorded Investment > 90 Days & Accruing
Consumer [Member] | 30 to 59 Days Past Due [Member] | Consumer Unsecured [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due		4	52
Consumer [Member] | 30 to 59 Days Past Due [Member] | Consumer Secured [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due		120	316
Consumer [Member] | 60 to 89 Days Past Due [Member] | Consumer Unsecured [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due			3
Consumer [Member] | 60 to 89 Days Past Due [Member] | Consumer Secured [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due		136	130
Consumer [Member] | Greater than 90 Days Past Due [Member] | Consumer Secured [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due		$ 347	$ 21
[1]	Includes net deferred (fees) and costs/premiums of ($1,301) and $572 as of September 30, 2020 and December 31, 2019, respectively.

Loans, Allowance For Loan Lo_10

Loans, Allowance For Loan Losses And OREO (Credit Quality Information-By Class) (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	$ 623,547	$ 578,103
Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	587,552	552,360
Monitor [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	15,305	6,467
Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	14,872	13,828
Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	5,818	5,448
Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables
Commercial [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	174,823	114,257
Commercial [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	160,361	108,907
Commercial [Member] | Monitor [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	5,091	313
Commercial [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	8,721	4,518
Commercial [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	650	519
Commercial [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables
Commercial Real Estate [Member] | Commercial Mortgages-Owner Occupied [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	102,716	104,792
Commercial Real Estate [Member] | Commercial Mortgages-Owner Occupied [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	93,045	93,553
Commercial Real Estate [Member] | Commercial Mortgages-Owner Occupied [Member] | Monitor [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	2,904	446
Commercial Real Estate [Member] | Commercial Mortgages-Owner Occupied [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	4,432	8,316
Commercial Real Estate [Member] | Commercial Mortgages-Owner Occupied [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	2,335	2,477
Commercial Real Estate [Member] | Commercial Mortgages-Owner Occupied [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables
Commercial Real Estate [Member] | Commercial Mortgages-Non-Owner Occupied [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	174,185	182,247
Commercial Real Estate [Member] | Commercial Mortgages-Non-Owner Occupied [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	164,525	175,471
Commercial Real Estate [Member] | Commercial Mortgages-Non-Owner Occupied [Member] | Monitor [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	7,310	5,118
Commercial Real Estate [Member] | Commercial Mortgages-Non-Owner Occupied [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	1,689	994
Commercial Real Estate [Member] | Commercial Mortgages-Non-Owner Occupied [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	661	664
Commercial Real Estate [Member] | Commercial Mortgages-Non-Owner Occupied [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables
Commercial Real Estate [Member] | Commercial Construction [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	21,625	16,861
Commercial Real Estate [Member] | Commercial Construction [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	21,625	16,572
Commercial Real Estate [Member] | Commercial Construction [Member] | Monitor [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables		289
Commercial Real Estate [Member] | Commercial Construction [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables
Consumer [Member] | Consumer Unsecured [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	3,882	6,867
Consumer [Member] | Consumer Unsecured [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	3,850	6,867
Consumer [Member] | Consumer Unsecured [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	30
Consumer [Member] | Consumer Unsecured [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	2
Consumer [Member] | Consumer Unsecured [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables
Consumer [Member] | Consumer Secured [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	84,107	83,078
Consumer [Member] | Consumer Secured [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	83,404	82,860
Consumer [Member] | Consumer Secured [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	703	218
Consumer [Member] | Consumer Secured [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables
Residential [Member] | Residential Mortgages [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	48,503	55,284
Residential [Member] | Residential Mortgages [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	47,036	53,714
Residential [Member] | Residential Mortgages [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	1,467	1,570
Residential [Member] | Residential Mortgages [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables
Residential [Member] | Residential Consumer Construction [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	13,706	14,717
Residential [Member] | Residential Consumer Construction [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	$ 13,706	14,416
Residential [Member] | Residential Consumer Construction [Member] | Monitor [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables		301
Residential [Member] | Residential Consumer Construction [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables

Capital Notes (Narrative) (Deta

Capital Notes (Narrative) (Details) - USD ($)	Sep. 24, 2020	Sep. 30, 2020	Jul. 08, 2020	Apr. 13, 2020
Debt Instrument [Line Items]
Proceeds used to pay off debt		$ 5,000,000
2020 Offering [Member]
Debt Instrument [Line Items]
Capital notes, interest rate			3.25%
Capital notes, maturity date		Sep. 30, 2025
Principal notes				$ 10,050,000
Full or partial payment date		Sep. 30, 2021
Capital Notes 4% Due 1/24/2022 [Member]
Debt Instrument [Line Items]
Capital notes, interest rate		4.00%
Capital notes, maturity date		Jan. 24, 2022
Proceeds used to pay off debt	$ 5,000,000