CONSOLIDATED STATEMENTS OF INCOME (UNAUDITED) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019
Interest income
Loans, including fees	$ 15,754	$ 16,289
Securities available for sale
Taxable	2,543	2,338
Tax-exempt	89	92
Federal funds sold and other	258	345
Total interest income	18,644	19,064
Interest expense
Deposits	2,165	2,050
Repurchase agreements and other	24	9
Other borrowings	0	21
FHLB advances	30	55
Subordinated debt	83	94
Total interest expense	2,302	2,229
Net interest income	16,342	16,835
Provision for loan losses	1,000	560
Net interest income after provision for loan losses	15,342	16,275
Non-interest income
Service charges on deposit accounts	1,106	1,094
Electronic banking income	818	822
Secondary market mortgage income	66	24
Other	259	236
Total non-interest income	2,249	2,176
Non-interest expenses
Salaries and employee benefits	5,408	5,199
Occupancy and equipment expenses	1,725	1,664
Outside data processing	1,531	1,384
Professional fees	244	365
Taxes, other than payroll, property and income	275	238
Write-downs, expenses, sales of other real estate owned, net	68	249
Amortization of intangibles	242	227
FDIC insurance	(4)	124
Other expenses	1,248	1,143
Total non-interest expenses	10,737	10,593
Income before income taxes	6,854	7,858
Provision for income taxes	1,486	1,682
Net income	$ 5,368	$ 6,176
Net income per share:
Basic (in dollars per share)	$ 0.37	$ 0.42
Diluted (in dollars per share)	$ 0.36	$ 0.42