CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
ASSETS
Cash and due from banks	$ 12,245	$ 18,249
Interest-bearing deposits with banks	15,664	14,452
Federal funds sold	264	4
Total Cash and Cash Equivalents	28,173	32,705
Investment securities available-for-sale	59,407	71,088
Loans receivable	547,096	513,008
Allowance for loan losses	(5,336)	(6,196)
Net Loans	541,760	506,812
Bank premises and equipment, net	24,195	26,115
Other real estate owned	5,937	6,859
Accrued interest receivable	1,934	2,036
Deferred taxes, net	5,476	5,499
Right-of-use assets - operating leases	4,942	5,253
Other assets	10,318	10,333
Total Assets	682,142	666,700
Deposits
Noninterest bearing	164,298	154,631
Interest-bearing	431,694	427,913
Total Deposits	595,992	582,544
Borrowed funds	27,126	24,054
Lease liabilities - operating leases	27,126	24,054
Accrued interest payable	587	426
Accrued expenses and other liabilities	2,245	3,450
Total Liabilities	630,892	615,727
Commitments and Contingent Liabilities (Notes 19 and 20)
STOCKHOLDERS' EQUITY
Common stock - $2.00 par value; 50,000,000 shares authorized; 23,922,086 and 23,922,086 shares issued and outstanding at December 31, 2018 and 2017, respectively	47,844	47,844
Additional paid-in capital	14,570	14,570
Retained deficit	(9,928)	(10,847)
Accumulated other comprehensive loss	(1,236)	(594)
Total Stockholders' Equity	51,250	50,973
Total Liabilities and Stockholders' Equity	$ 682,142	$ 666,700