Consolidated Balance Sheets - USD ($) $ in Thousands	Jun. 30, 2020	Dec. 31, 2019
ASSETS
Cash and due from banks	$ 16,229	$ 5,825
Interest bearing demand deposits with banks	80,452	33,161
Federal funds sold	1,000	1,000
Cash and Cash Equivalents	97,681	39,986
Securities available for sale	136,388	90,829
Restricted investment in bank stock	1,349	1,478
Loans receivable, net of allowance for loan losses of $9,017 in 2020; $8,022 in 2019	1,029,430	1,006,117
Paycheck Protection Program loans receivable	65,059
Premises and equipment, net of accumulated depreciation	2,678	2,123
Bank owned life insurance	20,556	20,259
Accrued interest receivable	2,954	2,048
Other assets	12,591	13,279
Total Assets	1,368,686	1,176,119
Deposits:
Non-interest bearing	246,535	171,815
Interest bearing	909,339	860,153
Total Deposits	1,155,874	1,031,968
Securities sold under agreements to repurchase	11,236	7,208
Short-term borrowings		18,067
Long-term borrowings	14,651
Paycheck Protection Program Liquidity Facility borrowings	62,039
Accrued interest payable	1,693	3,281
Other liabilities	18,302	15,980
Total Liabilities	1,263,795	1,076,504
Stockholders' Equity:
Common stock, $1 par value; authorized 20,000,000 shares; 2020 issued 7,578,061 shares; outstanding 7,473,014 shares; 2019 issued 7,543,524 shares; outstanding 7,478,477 shares;	7,578	7,544
Surplus	26,119	25,937
Retained earnings	69,924	65,794
Accumulated other comprehensive income	2,990	1,340
Treasury stock, at cost: 105,047 and 65,047 shares at June 30, 2020 and December 31, 2019, respectively	(1,720)	(1,000)
Total Stockholders' Equity	104,891	99,615
Total Liabilities and Stockholders' Equity	$ 1,368,686	$ 1,176,119