CONSOLIDATED BALANCE SHEETS (UNAUDITED) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
ASSETS
Cash and due from banks	$ 16,002	$ 13,998
Interest-bearing deposits with banks	61,636	35,897
Federal funds sold	270	252
Total Cash and Cash Equivalents	77,908	50,147
Investment securities available-for-sale	44,109	50,649
Loans held for sale	337	2
Loans receivable	585,122	562,544
Allowance for loan losses	(6,987)	(5,368)
Net loans	578,135	557,176
Bank premises and equipment, net	22,580	22,242
Other real estate owned	3,237	3,393
Accrued interest receivable	2,781	2,115
Deferred taxes, net	3,974	4,576
Right-of-use assets - operating leases	5,537	5,835
Other assets	10,527	10,238
Total Assets	749,125	706,373
Deposits:
Noninterest bearing	215,371	170,782
Interest-bearing	446,301	450,695
Total Deposits	661,672	621,477
Borrowed funds	21,496	21,496
Lease liabilities - operating leases	5,537	5,835
Accrued interest payable	491	694
Accrued expenses and other liabilities	3,010	2,269
Total Liabilities	692,206	651,771
STOCKHOLDERS' EQUITY
Common stock - $2.00 par value; 50,000,000 shares authorized; 23,922,086 shares issued and outstanding at September 30, 2020 and December 31, 2019	47,844	47,844
Additional paid-in-capital	14,570	14,570
Retained deficit	(6,370)	(7,869)
Accumulated other comprehensive income	875	57
Total Stockholders' Equity	56,919	54,602
Total Liabilities and Stockholders' Equity	$ 749,125	$ 706,373