CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
ASSETS
Cash and due from banks	$ 19,110	$ 17,059
Interest-earning deposits in other banks	50,920	121,303
Certificates of deposit	0	1,000
Federal funds sold	9,047	0
Investment securities available for sale, at fair value	72,367	51,533
Loans held for sale	928	580
Loans	1,029,975	986,040
Allowance for loan losses	(8,324)	(8,669)
NET LOANS	1,021,651	977,371
Accrued interest receivable	4,189	3,889
Stock in Federal Home Loan Bank of Atlanta ("FHLB"), at cost	3,045	3,283
Other non-marketable securities	719	762
Foreclosed real estate	3,533	1,088
Premises and equipment, net	17,791	17,920
Right of use lease asset	8,596	0
Bank owned life insurance	29,789	29,117
Goodwill	24,579	24,579
Core deposit intangible ("CDI")	1,610	2,085
Assets held for sale	0	668
Other assets	7,202	6,288
TOTAL ASSETS	1,275,076	1,258,525
Deposits:
Demand	240,305	247,007
Savings	43,128	51,811
Money market and NOW	280,145	254,482
Time	429,260	427,127
TOTAL DEPOSITS	992,838	980,427
Short-term debt	0	7,000
Long-term debt	57,372	57,372
Lease liability	8,813	0
Accrued interest payable	578	667
Accrued expenses and other liabilities	2,700	3,448
TOTAL LIABILITIES	1,062,301	1,048,914
Shareholders' Equity:
Preferred stock, no par value, 5,000,000 shares authorized; no preferred shares were issued and outstanding	0	0
Common stock, $1 par value, 50,000,000 shares authorized; 18,330,058 and 19,311,505 shares issued and outstanding at December 31, 2019 and 2018 respectively	18,330	19,312
Additional paid-in capital	140,870	150,718
Retained earnings	52,675	39,640
Common stock issued to deferred compensation trust, at cost; 319,753 and 303,239 shares outstanding at December 31, 2019 and 2018 respectively	(2,815)	(2,615)
Directors' Deferred Compensation Plan Rabbi Trust	2,815	2,615
Accumulated other comprehensive income (loss)	900	(59)
TOTAL SHAREHOLDERS' EQUITY	212,775	209,611
TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY	$ 1,275,076	$ 1,258,525