CONSOLIDATED BALANCE SHEETS (UNAUDITED) - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
ASSETS
Cash and due from banks	$ 15,616	$ 13,998
Interest-bearing deposits with banks	47,765	35,897
Federal funds sold	288	252
Total Cash and Cash Equivalents	63,669	50,147
Investment securities available-for-sale	47,741	50,649
Loans held for sale	489	2
Loans receivable	560,468	562,544
Allowance for loan losses	(6,337)	(5,368)
Net loans	554,131	557,176
Bank premises and equipment, net	22,801	22,242
Other real estate owned	3,070	3,393
Accrued interest receivable	2,045	2,115
Deferred taxes, net	4,406	4,576
Right-of-use assets - operating leases	5,737	5,835
Other assets	11,055	10,238
Total Assets	715,144	706,373
Deposits:
Noninterest bearing	177,406	170,782
Interest-bearing	452,119	450,695
Total Deposits	629,525	621,477
Borrowed funds	21,496	21,496
Lease liabilities - operating leases	5,737	5,835
Accrued interest payable	706	694
Accrued expenses and other liabilities	2,429	2,269
Total Liabilities	659,893	651,771
STOCKHOLDERS' EQUITY
Common stock - $2.00 par value; 50,000,000 shares authorized; 23,922,086 shares issued and outstanding at March 31, 2020 and December 31, 2019	47,844	47,844
Additional paid-in capital	14,570	14,570
Retained deficit	(7,823)	(7,869)
Accumulated other comprehensive income	660	57
Total Stockholders' Equity	55,251	54,602
Total Liabilities and Stockholders' Equity	$ 715,144	$ 706,373