CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
ASSETS
Cash and due from banks	$ 18,465	$ 16,294
Interest-bearing deposits with other banks	76,506	50,931
Cash and cash equivalents	94,971	67,225
Investment securities:
Available-for-sale, at fair value	122,791	154,432
Held to maturity, at amortized cost - fair value of $8,654 (2019) and $6,000 (2018)	8,786	6,043
Equity securities, at fair value	1,342	1,269
Restricted securities	4,190	6,476
Loans	1,248,654	1,195,355
Less: allowance for credit losses	(10,507)	(10,343)
Loans, net	1,238,147	1,185,012
Premises and equipment, net	23,821	22,711
Goodwill	17,518	17,518
Other intangible assets, net	2,252	2,857
Other real estate owned, net	74	1,222
Right-of-use assets	4,771
Other assets	40,572	17,678
Assets of discontinued operations		633
TOTAL ASSETS	1,559,235	1,483,076
Deposits:
Noninterest-bearing	356,618	330,466
Interest-bearing	984,716	881,875
Total deposits	1,341,334	1,212,341
Short-term borrowings	1,226	60,812
Long-term borrowings	15,000	15,000
Lease liabilities	4,792
Other liabilities	4,081	8,415
Liabilities of discontinued operations		3,323
TOTAL LIABILITIES	1,366,433	1,299,891
COMMITMENTS AND CONTINGENCIES
STOCKHOLDERS’ EQUITY
Common stock, par value $.01 per share; shares authorized - 35,000,000; shares issued and outstanding - 12,500,372 (2019) and 12,749,497 (2018)	125	127
Additional paid in capital	61,045	65,434
Retained earnings	131,425	120,574
Accumulated other comprehensive income (loss)	207	(2,950)
TOTAL STOCKHOLDERS’ EQUITY	192,802	183,185
TOTAL LIABILITIES AND STOCKHOLDERS’ EQUITY	$ 1,559,235	$ 1,483,076