Consolidated Balance Sheets - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
ASSETS
Cash and due from banks	$ 14,712	$ 15,038
Interest-bearing deposits with banks	23,706	377
Cash and cash equivalents	38,418	15,415
Securities available for sale, at fair value	196,998	210,205
Loans receivable	928,565	924,581
Less: Allowance for loan losses	9,088	8,509
Net loans receivable	919,477	916,072
Regulatory stock, at cost	3,770	4,844
Bank premises and equipment, net	14,071	14,228
Bank owned life insurance	38,971	38,763
Accrued interest receivable	3,669	3,719
Foreclosed real estate owned	1,077	1,556
Goodwill	11,331	11,331
Other intangibles	212	235
Other assets	14,297	14,242
Total Assets	1,242,291	1,230,610
LIABILITIES
Deposits: Noninterest-bearing	213,359	207,299
Deposits: Interest-bearing	776,801	750,230
Total deposits	990,160	957,529
Short-term borrowings	40,656	62,256
Other borrowings	51,350	56,438
Accrued interest payable	2,895	2,432
Other liabilities	15,043	14,527
TOTAL LIABILITIES	1,100,104	1,093,182
STOCKHOLDERS' EQUITY
Preferred stock, no par value per share, authorized: 5,000,000 shares; issued: none
Common stock, $0.10 par value per share, authorized: 20,000,000 shares, issued: 2020: 6,342,568 shares, 2018: 6,340,563 shares	634	634
Surplus	49,644	49,471
Retained earnings	88,032	86,536
Treasury stock at cost: 2020 and 2019: 12,007 shares	(400)	(400)
Accumulated other comprehensive income	4,277	1,187
TOTAL STOCKHOLDERS' EQUITY	142,187	137,428
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$ 1,242,291	$ 1,230,610