Consolidated Balance Sheets - USD ($) $ in Thousands	Jun. 30, 2022	Dec. 31, 2021
ASSETS
Cash and due from banks	$ 5,716	$ 7,326
Short-term investments	33,452	23,749
Federal funds sold	15,831	21,900
Total cash and cash equivalents	54,999	52,975
Interest-bearing time deposits	300	0
Investments in available-for-sale securities (at fair value)	4,982	5,010
Investments in held-to-maturity securities, at cost (fair values of $63,963 at June 30, 2022 and $65,556 at December 31, 2021)	69,676	65,571
Federal Home Loan Bank stock, at cost	1,599	1,087
Loans held-for-sale	0	1,301
Loans, net of allowance for loan losses of $5,111 as of June 30, 2022 (unaudited) and $4,236 as of December 31, 2021	623,971	517,131
Premises and equipment, net	3,758	3,784
Accrued interest receivable	1,725	1,481
Deferred tax asset, net	2,860	2,971
Bank-owned life insurance	13,870	14,135
Other assets	4,211	1,043
Total assets	781,951	666,489
Deposits:
Noninterest-bearing	87,300	83,288
Interest-bearing	576,124	488,443
Total deposits	663,424	571,731
Federal Home Loan Bank advances	30,475	9,000
Other liabilities	8,019	8,485
Total liabilities	701,918	589,216
Equity:
Surplus	80,135	77,356
Accumulated other comprehensive loss	(102)	(83)
Total equity	80,033	77,273
Total liabilities and equity	$ 781,951	$ 666,489