Consolidated Statements of Income - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019
INTEREST INCOME
Loans, Including Fees	$ 25,113	$ 22,179
Investment Securities	2,196	1,901
Other	159	187
Total Interest Income	27,468	24,267
INTEREST EXPENSE
Deposits	5,724	5,703
Notes Payable	115	121
FHLB Advances	1,027	775
Subordinated Debentures	393	377
Federal Funds Purchased	107	160
Total Interest Expense	7,366	7,136
NET INTEREST INCOME	20,102	17,131
Provision for Loan Losses	2,100	600
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES	18,002	16,531
NONINTEREST INCOME
Customer Service Fees	240	191
Net Gain (Loss) on Sales of Available for Sale Securities	3	(5)
Other Income	1,476	448
Total Noninterest Income	1,719	634
NONINTEREST EXPENSE
Salaries and Employee Benefits	6,454	4,802
Occupancy and Equipment	713	656
Other Expense	2,579	2,427
Total Noninterest Expense	9,746	7,885
INCOME BEFORE INCOME TAXES	9,975	9,280
Provision for Income Taxes	2,532	2,262
NET INCOME	$ 7,443	$ 7,018
EARNINGS PER SHARE
Basic (in dollars per share)	$ 0.26	$ 0.23
Diluted (in dollars per share)	$ 0.25	$ 0.23