CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
ASSETS
Cash and due from banks	$ 16,666	$ 18,465
Interest-bearing deposits with other banks	170,251	76,506
Cash and cash equivalents	186,917	94,971
Investment securities:
Available-for-sale, at fair value	139,568	122,791
Held to maturity, at amortized cost - fair value of $65,828 (2020) and $8,654 (2019)	65,706	8,786
Equity securities, at fair value	1,395	1,342
Restricted securities	3,626	4,190
Loans	1,454,256	1,248,654
Less: allowance for credit losses	(13,888)	(10,507)
Loans, net	1,440,368	1,238,147
Premises and equipment, net	24,924	23,821
Goodwill	17,518	17,518
Other intangible assets, net	1,719	2,252
Other real estate owned, net		74
Right-of-use assets	4,795	4,771
Other assets	46,779	40,572
TOTAL ASSETS	1,933,315	1,559,235
Deposits:
Noninterest-bearing	509,091	356,618
Interest-bearing	1,191,614	984,716
Total deposits	1,700,705	1,341,334
Securities sold under retail repurchase agreements	1,050	1,226
Advances from FHLB - long-term		15,000
Subordinated debt	24,429
Total borrowings	25,479	16,226
Lease liabilities	4,874	4,792
Other liabilities	7,238	4,081
TOTAL LIABILITIES	1,738,296	1,366,433
COMMITMENTS AND CONTINGENCIES
STOCKHOLDERS' EQUITY
Common stock, par value $.01 per share; shares authorized - 35,000,000; shares issued and outstanding - 11,783,380 (2020) and 12,500,372 (2019)	118	125
Additional paid in capital	52,167	61,045
Retained earnings	141,205	131,425
Accumulated other comprehensive income	1,529	207
TOTAL STOCKHOLDERS' EQUITY	195,019	192,802
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$ 1,933,315	$ 1,559,235