CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Jun. 30, 2019	Dec. 31, 2018
ASSETS
Cash and due from banks	$ 12,483	$ 11,741
Federal funds sold	12,311	7,133
Securities:
Available for sale, at fair value	56,848	61,392
Restricted securities, at cost	1,684	1,683
Total securities	58,532	63,075
Loans	521,763	537,190
Allowance for loan losses	(4,817)	(4,891)
Loans, net	516,946	532,299
Premises and equipment, net	6,594	7,042
Bank owned life insurance	16,190	16,790
Goodwill	372	372
Other intangible assets, net	441	477
Accrued interest receivable and other assets	9,904	5,871
Total assets	633,773	644,800
Demand deposits:
Noninterest-bearing	158,166	185,819
Interest-bearing	97,620	106,884
Money market and savings deposit accounts	175,740	171,299
Certificates of deposit and other time deposits	121,993	108,531
Total deposits	553,519	572,533
Accrued interest payable and other liabilities	5,911	1,525
Total liabilities	559,430	574,058
Commitments and contingent liabilities
Shareholders' equity:
Preferred stock, $2.50 par value, 2,000,000 shares authorized, no shares outstanding
Common stock, $2.50 par value, 10,000,000 shares authorized; 2,560,138 and 2,543,452 issued and outstanding at June 30, 2019 and December 31, 2018, respectively	6,400	6,359
Capital stock dividend distributable	320
Capital surplus	32,138	27,013
Retained earnings	35,522	38,647
Accumulated other comprehensive loss	(37)	(1,277)
Total shareholders' equity	74,343	70,742
Total liabilities and shareholders' equity	$ 633,773	$ 644,800