CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Jun. 30, 2020	Dec. 31, 2019
ASSETS
Cash and due from banks	$ 24,037	$ 19,110
Interest-earning deposits in other banks	157,521	50,920
Federal funds sold	9,726	9,047
Investment securities available for sale, at fair value	62,958	72,367
Loans held for sale	3,455	928
Loans	1,249,999	1,029,975
Allowance for loan losses	(12,054)	(8,324)
NET LOANS	1,237,945	1,021,651
Accrued interest receivable	4,400	4,189
Stock in Federal Home Loan Bank of Atlanta ("FHLB"), at cost	3,059	3,045
Other non-marketable securities	718	719
Foreclosed real estate	3,561	3,533
Premises and equipment, net	20,893	17,791
Right of use lease asset	8,953	8,596
Bank owned life insurance	30,110	29,789
Goodwill	41,914	24,579
Core deposit intangible ("CDI")	1,856	1,610
Other assets	7,854	7,202
TOTAL ASSETS	1,618,960	1,275,076
Deposits:
Demand	400,098	240,305
Savings	52,597	43,128
Money market and NOW	495,609	280,145
Time	390,449	429,260
TOTAL DEPOSITS	1,338,753	992,838
Short-term debt	20,000	0
Long-term debt	37,372	57,372
Lease liability	9,243	8,813
Accrued interest payable	457	578
Accrued expenses and other liabilities	1,597	2,700
TOTAL LIABILITIES	1,407,422	1,062,301
Shareholders' Equity:
Preferred stock, no par value, 5,000,000 shares authorized; no preferred shares were issued and outstanding at June 30, 2020 and December 31, 2019	0	0
Common stock, $1 par value, 50,000,000 shares authorized; 17,862,554 and 18,330,058 shares issued and outstanding at June 30, 2020 and December 31, 2019 , respectively	17,863	18,330
Additional paid-in capital	137,559	140,870
Retained earnings	54,460	52,675
Common stock issued to deferred compensation trust, at cost; 289,611 and 319,753 shares outstanding at June 30, 2020 and December 31, 2019, respectively	(2,553)	(2,815)
Directors' Deferred Compensation Plan Rabbi Trust	2,553	2,815
Accumulated other comprehensive income	1,656	900
TOTAL SHAREHOLDERS' EQUITY	211,538	212,775
TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY	$ 1,618,960	$ 1,275,076