CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Mar. 31, 2021	Dec. 31, 2020	[1]
ASSETS
Cash and due from banks	$ 17,407	$ 8,116
Federal funds sold	77,089	26,579
Securities:
Available for sale, at fair value	173,088	174,086
Restricted securities, at cost	2,653	3,010
Total securities	175,741	177,096
Loans	621,068	609,406
Allowance for loan losses	(5,615)	(5,455)
Loans, net	615,453	603,951
Premises and equipment, net	5,104	5,238
Bank owned life insurance	16,956	16,849
Goodwill	372	372
Other intangible assets, net	324	341
Accrued interest receivable and other assets	9,957	9,868
Total assets	918,403	848,410
Demand deposits:
Noninterest-bearing	248,212	209,772
Interest-bearing	162,218	148,910
Money market and savings deposit accounts	292,886	272,980
Certificates of deposit and other time deposits	100,844	99,102
Total deposits	804,160	730,764
Advances from the FHLB	30,000	30,000
Accrued interest payable and other liabilities	4,231	5,048
Total liabilities	838,391	765,812
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; 2,728,327 (including 36,179 nonvested) shares issued and outstanding as of March 31, 2021 and 2,714,273 (including 25,268 nonvested) shares issued and outstanding as of December 31, 2020	6,730	6,722
Capital surplus	32,559	32,457
Retained earnings	42,650	41,959
Accumulated other comprehensive income (loss)	(1,927)	1,460
Total shareholders' equity	80,012	82,598
Total liabilities and shareholders' equity	$ 918,403	$ 848,410

[1] Derived from audited Consolidated Financial Statements