Consolidated Balance Sheets - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
ASSETS
Cash and due from banks	$ 14,823	$ 5,825
Interest bearing demand deposits with banks	70,876	33,161
Federal funds sold	1,000	1,000
Cash and Cash Equivalents	86,699	39,986
Securities available for sale	121,646	90,829
Restricted investment in bank stock	1,330	1,478
Loans receivable, net of allowance for loan losses of $9,718 in 2020; $8,022 in 2019	1,048,885	1,006,117
Paycheck Protection Program loans receivable	67,020
Premises and equipment, net of accumulated depreciation	3,030	2,123
Bank owned life insurance	20,813	20,259
Accrued interest receivable	3,236	2,048
Other assets	12,270	13,279
Total Assets	1,364,929	1,176,119
Deposits:
Non-interest bearing	261,088	171,815
Interest bearing	888,362	860,153
Total Deposits	1,149,450	1,031,968
Securities sold under agreements to repurchase	11,181	7,208
Short-term borrowings		18,067
Long-term borrowings	14,651
Paycheck Protection Program Liquidity Facility borrowings	62,039
Accrued interest payable	1,670	3,281
Other liabilities	17,600	15,980
Total Liabilities	1,256,591	1,076,504
Stockholders' Equity:
Common stock, $1 par value; authorized 20,000,000 shares; 2020 issued 7,579,668 shares; outstanding 7,474,621 shares; 2019 issued 7,543,524 shares; outstanding 7,478,477 shares;	7,580	7,544
Surplus	26,178	25,937
Retained earnings	73,348	65,794
Accumulated other comprehensive income	2,952	1,340
Treasury stock, at cost: 105,047 and 65,047 shares at September 30, 2020 and December 31, 2019, respectively	(1,720)	(1,000)
Total Stockholders' Equity	108,338	99,615
Total Liabilities and Stockholders' Equity	$ 1,364,929	$ 1,176,119