CONSOLIDATED BALANCE SHEETS (UNAUDITED) - USD ($) $ in Thousands	Sep. 30, 2019	Dec. 31, 2018
ASSETS
Cash and due from banks	$ 16,106	$ 12,245
Interest-bearing deposits with banks	32,339	15,664
Federal funds sold	240	264
Total Cash and Cash Equivalents	48,685	28,173
Investment securities available-for-sale	53,478	59,407
Loans held for sale	571
Loans receivable	558,174	547,096
Allowance for loan losses	(5,150)	(5,336)
Net loans	553,024	541,760
Bank premises and equipment, net	23,363	24,195
Other real estate owned	4,339	5,937
Accrued interest receivable	2,177	1,934
Deferred taxes, net	4,705	5,476
Right-of-use assets - operating leases	5,933	4,942
Other assets	10,664	10,318
Total Assets	706,939	682,142
Deposits:
Noninterest bearing	175,971	164,298
Interest-bearing	445,632	431,694
Total Deposits	621,603	595,992
Borrowed funds	21,496	27,126
Lease liabilities - operating leases	5,933	4,942
Accrued interest payable	687	587
Accrued expenses and other liabilities	3,014	2,245
Total Liabilities	652,733	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 September 30, 2019 and December 31, 2018	47,844	47,844
Additional paid-in-capital	14,570	14,570
Retained deficit	(8,301)	(9,928)
Accumulated other comprehensive loss	93	(1,236)
Total Stockholders' Equity	54,206	51,250
Total Liabilities and Stockholders' Equity	$ 706,939	$ 682,142