CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
ASSETS
Cash and due from banks	$ 13,998	$ 12,245
Interest-bearing deposits with banks	35,897	15,664
Federal funds sold	252	264
Total Cash and Cash Equivalents	50,147	28,173
Investment securities available-for-sale	50,649	59,407
Loans held for sale	2
Loans receivable	562,544	547,096
Allowance for loan losses	(5,368)	(5,336)
Net Loans	557,176	541,760
Bank premises and equipment, net	22,242	24,195
Other real estate owned	3,393	5,937
Accrued interest receivable	2,115	1,934
Deferred taxes, net	4,576	5,476
Right-of-use assets - operating leases	5,835	4,942
Other assets	10,238	10,318
Total Assets	706,373	682,142
Deposits
Noninterest bearing	170,782	164,298
Interest-bearing	450,695	431,694
Total Deposits	621,477	595,992
Borrowed funds	21,496	27,126
Lease liabilities - operating leases	5,835	4,942
Accrued interest payable	694	587
Accrued expenses and other liabilities	2,269	2,245
Total Liabilities	651,771	630,892
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, 2019 and 2018, respectively	47,844	47,844
Additional paid-in capital	14,570	14,570
Retained deficit	(7,869)	(9,928)
Accumulated other comprehensive income (loss)	57	(1,236)
Total Stockholders' Equity	54,602	51,250
Total Liabilities and Stockholders' Equity	$ 706,373	$ 682,142