CONSOLIDATED BALANCE SHEETS (UNAUDITED) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
ASSETS
Cash and due from banks	$ 11,829	$ 12,245
Interest-bearing deposits with banks	52,051	15,664
Federal funds sold	240	264
Total Cash and Cash Equivalents	64,120	28,173
Investment securities available-for-sale	58,001	59,407
Loans receivable	553,585	547,096
Allowance for loan losses	(5,467)	(5,336)
Net Loans	548,118	541,760
Bank premises and equipment, net	24,059	24,195
Other real estate owned	4,855	5,937
Accrued interest receivable	2,107	1,934
Deferred taxes, net	5,274	5,476
Right-of-use assets - operating leases	4,863	4,942
Other assets	10,471	10,318
Total Assets	721,868	682,142
Deposits:
Noninterest bearing	177,544	164,298
Interest bearing	460,865	431,694
Total Deposits	638,409	595,992
Borrowed funds	23,496	27,126
Lease liabilities - operating leases	4,863	4,942
Accrued interest payable	708	587
Accrued expenses and other liabilities	2,366	2,245
Total Liabilities	669,842	630,892
Commitments and contingencies
STOCKHOLDERS' EQUITY
Common stock - $2.00 par value; 50,000,000 shares authorized; 23,922,086 shares issued and outstanding at March 31, 2019 and December 31, 2018	47,844	47,844
Additional paid-in-capital	14,570	14,570
Retained deficit	(9,522)	(9,928)
Accumulated other comprehensive loss	(866)	(1,236)
Total Stockholders' Equity	52,026	51,250
Total Liabilities and Stockholders' Equity	$ 721,868	$ 682,142