CONSOLIDATED BALANCE SHEETS (Unaudited) - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
ASSETS
Cash and due from banks	$ 12,377	$ 9,525
Interest-bearing deposits with other banks	27,928	34,161
Cash and cash equivalents	40,305	43,686
Interest bearing time deposits with other banks	200	200
Securities available for sale, at fair value	232,205	212,181
Securities held to maturity, at amortized cost (fair value of $6,399 and $4,083 at March 31, 2020 and December 31, 2019, respectively)	6,339	4,012
Other Bank Stock, at cost	12,487	12,498
Loans receivable, net of unearned income	1,685,138	1,628,846
Less: allowance for loan losses	10,867	10,267
Net loans receivable	1,674,271	1,618,579
Foreclosed real estate	3,097	3,793
Premises and equipment, net	19,055	19,080
Right-of-use assets, net	4,535	4,644
Accrued interest receivable	6,856	6,175
Goodwill and intangibles	28,948	29,039
Bank-owned life insurance	36,936	37,209
Other assets	15,002	10,561
Total Assets	2,080,236	2,001,657
Deposits:
Non-interest bearing	285,857	258,311
Interest bearing	1,312,694	1,266,730
Total deposits	1,598,551	1,525,041
Short-term borrowings	196,145	193,000
Long-term borrowings	34,127	40,114
Lease liability	4,676	4,727
Accrued interest payable and other liabilities	23,952	11,677
Subordinated debentures	27,871	27,869
Total Liabilities	1,885,322	1,802,428
Stockholders' Equity:
Preferred stock, no par value, 1,000,000 shares authorized; none issued	0	0
Common stock, no par value, 15,000,000 shares authorized; 9,649,140 and 9,589,201 shares issued and 9,417,933 and 9,357,994 shares outstanding at March 31, 2020 and December 31, 2019, respectively	151,543	151,165
Treasury stock, at cost; 231,207 shares at March 31, 2020 and December 31, 2019, respectively	(5,132)	(5,132)
Deferred compensation obligation under Rabbi Trust	1,882	1,852
Retained earnings	59,037	54,706
Accumulated other comprehensive (loss)	(10,534)	(1,510)
Stock held by Rabbi Trust	(1,882)	(1,852)
Total Stockholders' Equity	194,914	199,229
Total Liabilities and Stockholders' Equity	$ 2,080,236	$ 2,001,657