CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
ASSETS
Cash and due from banks	$ 16,432	$ 18,465
Interest-bearing deposits with other banks	79,819	76,506
Cash and cash equivalents	96,251	94,971
Investment securities:
Available-for-sale, at fair value	104,375	122,791
Held to maturity, at amortized cost - fair value of $8,718 (2020) and $8,654 (2019)	8,687	8,786
Equity securities, at fair value	1,350	1,342
Restricted securities	4,263	4,190
Loans	1,276,993	1,248,654
Less: allowance for credit losses	(10,378)	(10,507)
Loans, net	1,266,615	1,238,147
Premises and equipment, net	24,930	23,821
Goodwill	17,518	17,518
Other intangible assets, net	2,108	2,252
Other real estate owned, net	38	74
Right-of-use assets	5,019	4,771
Other assets	40,267	40,572
TOTAL ASSETS	1,571,421	1,559,235
Deposits:
Noninterest-bearing	355,054	356,618
Interest-bearing	993,740	984,716
Total deposits	1,348,794	1,341,334
Short-term borrowings	2,162	1,226
Long-term borrowings	15,000	15,000
Lease liabilities	5,072	4,792
Other liabilities	4,699	4,081
TOTAL LIABILITIES	1,375,727	1,366,433
COMMITMENTS AND CONTINGENCIES
STOCKHOLDERS’ EQUITY
Common stock, par value $.01 per share; shares authorized - 35,000,000; shares issued and outstanding - 12,524,569 (2020) and 12,500,372 (2019)	125	125
Additional paid in capital	61,067	61,045
Retained earnings	133,044	131,425
Accumulated other comprehensive income	1,458	207
TOTAL STOCKHOLDERS’ EQUITY	195,694	192,802
TOTAL LIABILITIES AND STOCKHOLDERS’ EQUITY	$ 1,571,421	$ 1,559,235