Consolidated Balance Sheets - USD ($)	Sep. 30, 2022	Dec. 31, 2021
Assets
Cash and due from banks	$ 20,393,000	$ 12,071,000
Federal funds sold	11,788,000	80,545,000
Total cash and cash equivalents	32,181,000	92,616,000
Investment securities available for sale, at fair value	134,503,000	94,699,000
Restricted stock, at cost	714,000	694,000
Loans held for sale	5,076,000	5,141,000
Loans
Outstandings	540,683,000	526,457,000
Allowance for loan losses	(3,370,000)	(3,423,000)
Deferred fees and costs, net	592,000	(433,000)
Total loans, net	537,905,000	522,601,000
Premises and equipment, net	11,765,000	11,824,000
Bank owned life insurance	12,718,000	12,494,000
Accrued interest receivable	3,341,000	3,245,000
Other assets	4,500,000	5,087,000
Total Assets	742,703,000	748,401,000
Deposits
Noninterest bearing demand	279,269,000	268,804,000
Interest bearing	388,550,000	395,244,000
Total deposits	667,819,000	664,048,000
Long-term debt - trust preferred securities	8,764,000	8,764,000
Subordinated debt, net	5,684,000	5,660,000
Accrued interest payable	58,000	68,000
Other liabilities	2,006,000	6,460,000
Total liabilities	684,331,000	685,000,000
Shareholders' equity
Common stock, $4 par value, 10,000,000 shares authorized; 1,476,017 shares issued and outstanding at June 30, 2022 and 1,473,469 shares issued and outstanding at December 31, 2021	5,861,000	5,822,000
Additional paid-in capital	55,047,000	54,814,000
Retained earnings	9,032,000	3,509,000
Stock in directors rabbi trust	(689,000)	(730,000)
Directors deferred fees obligation	689,000	730,000
Accumulated other comprehensive loss	(11,568,000)	(744,000)
Total shareholders' equity	58,372,000	63,401,000
Total liabilities and shareholders' equity	$ 742,703,000	$ 748,401,000