CONSOLIDATED STATEMENTS OF INCOME (UNAUDITED) - USD ($) $ in Thousands		3 Months Ended
		Mar. 31, 2020	Mar. 31, 2019
INTEREST AND DIVIDEND INCOME
Interest and fees on loans		$ 16,466	$ 15,504
Interest on securities		1,791	1,763
Interest on federal funds sold		113	212
Interest on deposits in other banks		206	416
Dividends on stock		4	9
Total Interest and Dividend Income		18,580	17,904
INTEREST EXPENSE
Interest on deposits		2,492	2,296
Interest on junior subordinated debentures		0	156
Total Interest Expense		2,492	2,452
Net Interest Income		16,088	15,452
Provision for loan losses		503	526
Net Interest Income After Provision for Loan Losses		15,585	14,926
NONINTEREST INCOME
Service charges on deposit accounts		1,228	1,026
Debit card income, net		755	695
Mortgage loan income		889	514
Brokerage income		744	365
Loan and deposit income		300	346
Bank-owned life insurance income		142	133
Gain (Loss) on equity securities		63	48
Gain (Loss) on sale of securities		383	0
SBIC income		178	120
Other income		49	49
Total Noninterest Income		4,731	3,296
OPERATING EXPENSES
Personnel expenses		7,348	6,640
Occupancy and equipment expenses		1,185	1,175
Technology expenses		586	544
Advertising		261	209
Other business development expenses		295	282
Data processing expense		450	459
Other taxes		437	353
Loan and deposit expenses		246	223
Legal and professional expenses		495	319
Regulatory assessment expenses		26	142
Other operating expenses		621	812
Total Operating Expenses		11,950	11,158
Income Before Income Tax Expense		8,366	7,064
Income tax expense		1,621	1,368
Net Income		$ 6,745	$ 5,696
EARNINGS PER SHARE
Basic (in dollars per share)	[1]	$ 0.92	$ 0.86
Diluted (in dollars per share)	[1]	$ 0.92	$ 0.85

[1] (in thousands, except per share data) For the Three Months Ended March 31,    2020   2019 INTEREST AND DIVIDEND INCOME       Interest and fees on loans $ 16,466
  $ 15,504
Interest on securities 1,791
  1,763
Interest on federal funds sold 113
  212
Interest on deposits in other banks 206
  416
Dividends on stock 4
  9
Total Interest and Dividend Income 18,580
  17,904
INTEREST EXPENSE       Interest on deposits 2,492
  2,296
Interest on junior subordinated debentures —
  156
Total Interest Expense 2,492
  2,452
Net Interest Income 16,088
  15,452
Provision for loan losses 503
  526
Net Interest Income After Provision for Loan Losses 15,585
  14,926
NONINTEREST INCOME       Service charges on deposit accounts 1,228
  1,026
Debit card income, net 755
  695
Mortgage loan income 889
  514
Brokerage income 744
  365
Loan and deposit income 300
  346
Bank-owned life insurance income 142
  133
Gain (Loss) on equity securities 63
  48
Gain (Loss) on sale of securities 383
  —
SBIC income 178
  120
Other income 49
  49
Total Noninterest Income 4,731
  3,296
OPERATING EXPENSES       Personnel expenses 7,348
  6,640
Occupancy and equipment expenses 1,185
  1,175
Technology expenses 586
  544
Advertising 261
  209
Other business development expenses 295
  282
Data processing expense 450
  459
Other taxes 437
  353
Loan and deposit expenses 246
  223
Legal and professional expenses 495
  319
Regulatory assessment expenses 26
  142
Other operating expenses 621
  812
Total Operating Expenses 11,950
  11,158
Income Before Income Tax Expense 8,366
  7,064
Income tax expense 1,621
  1,368
Net Income $ 6,745
  $ 5,696
EARNINGS PER SHARE       Basic $ 0.92
  $ 0.86
Diluted $ 0.92
  $ 0.85