Consolidated Balance Sheets - USD ($) $ in Thousands	Sep. 30, 2019	Dec. 31, 2018
ASSETS
Cash and due from banks	$ 21,321	$ 14,103
Interest bearing demand deposits with banks	25,650	13,473
Federal funds sold	1,000
Cash and Cash Equivalents	47,971	27,576
Securities available for sale	95,892	90,748
Restricted investment in bank stock	755	2,794
Loans receivable, net of allowance for loan losses of $7,762 in 2019; $7,412 in 2018	978,993	949,944
Premises and equipment, net of accumulated depreciation	2,068	2,174
Right of use asset	9,896
Bank owned life insurance	20,032	19,568
Accrued interest receivable	2,035	2,178
Other real estate owned		135
Other assets	3,806	4,270
Total Assets	1,161,448	1,099,387
Deposits:
Non-interest bearing	176,130	148,609
Interest bearing	858,903	782,906
Total Deposits	1,035,033	931,515
Securities sold under agreements to repurchase	10,147	18,883
Short-term borrowings		53,995
Accrued interest payable	2,812	1,689
Lease liability	10,049
Other liabilities	6,767	6,080
Total Liabilities	1,064,808	1,012,162
Stockholders' Equity:
Common stock, $1 par value; authorized 20,000,000 shares; 2019 issued 7,542,860 shares; outstanding 7,477,813 shares; 2018 issued 7,529,567 shares; outstanding 7,464,520 shares;	7,543	7,530
Surplus	25,874	25,532
Retained earnings	62,910	56,410
Accumulated other comprehensive income (loss)	1,313	(1,247)
Treasury stock, at cost: 65,047 shares	(1,000)	(1,000)
Total Stockholders' Equity	96,640	87,225
Total Liabilities and Stockholders' Equity	$ 1,161,448	$ 1,099,387