CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Sep. 30, 2019	Dec. 31, 2018
ASSETS
Cash and due from banks	$ 22,777	$ 16,294
Interest-bearing deposits with other banks	80,596	50,931
Cash and cash equivalents	103,373	67,225
Investment securities:
Available-for-sale, at fair value	138,911	154,432
Held to maturity, at amortized cost - fair value of $9,715 (2019) and $6,000 (2018)	9,780	6,043
Equity securities, at fair value	1,339	1,269
Restricted securities	4,655	6,476
Loans	1,235,035	1,195,355
Less: allowance for credit losses	(10,438)	(10,343)
Loans, net	1,224,597	1,185,012
Premises and equipment, net	23,871	22,711
Goodwill	17,518	17,518
Other intangible assets, net	2,396	2,857
Other real estate owned, net	74	1,222
Right-of-use assets	4,908
Other assets	30,257	17,678
Assets of discontinued operations		633
TOTAL ASSETS	1,561,679	1,483,076
Deposits:
Noninterest-bearing	362,557	330,466
Interest-bearing	962,934	881,875
Total deposits	1,325,491	1,212,341
Short-term borrowings	17,263	60,812
Long-term borrowings	15,000	15,000
Lease liabilities	4,923
Other liabilities	5,039	8,415
Liabilities of discontinued operations		3,323
TOTAL LIABILITIES	1,367,716	1,299,891
COMMITMENTS AND CONTINGENCIES
STOCKHOLDERS’ EQUITY
Common stock, par value $.01 per share; shares authorized - 35,000,000; shares issued and outstanding - 12,742,372 (2019) and 12,749,497 (2018)	127	127
Additional paid in capital	64,879	65,434
Retained earnings	128,924	120,574
Accumulated other comprehensive income (loss)	33	(2,950)
TOTAL STOCKHOLDERS’ EQUITY	193,963	183,185
TOTAL LIABILITIES AND STOCKHOLDERS’ EQUITY	$ 1,561,679	$ 1,483,076