Consolidated Statement of Financial Condition (Current Period Unaudited) - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
ASSETS
Interest Bearing	$ 64,004	$ 68,798
Non-Interest Bearing	14,095	11,419
Total Cash and Due From Banks	78,099	80,217
Available-for-Sale	171,411	197,385
Loans, Net of Allowance for Loan Losses of $12,322 and $9,867 at March 31, 2020 and December 31, 2019, Respectively	962,328	942,629
Premises and Equipment, Net	22,037	22,282
Bank-Owned Life Insurance	24,361	24,222
Goodwill	28,425	28,425
Intangible Assets, Net	9,995	10,527
Accrued Interest and Other Assets	16,517	15,850
TOTAL ASSETS	1,313,173	1,321,537
LIABILITIES
Non-Interest Bearing Demand Deposits	267,369	267,152
NOW Accounts	229,601	232,099
Money Market Accounts	177,597	182,428
Savings Accounts	220,484	216,924
Time Deposits	211,589	219,756
Total Deposits	1,106,640	1,118,359
Short-Term Borrowings	34,967	30,571
Other Borrowings	11,000	14,000
Accrued Interest and Other Liabilities	9,041	7,510
TOTAL LIABILITIES	1,161,648	1,170,440
STOCKHOLDERS' EQUITY
Preferred Stock, No Par Value; 5,000,000 Shares Authorized
Common Stock, $0.4167 Par Value; 35,000,000 Shares Authorized, 5,680,993 Shares Issued and 5,393,712 and 5,463,828 Shares Outstanding at March 31, 2020 and December 31, 2019, Respectively	2,367	2,367
Capital Surplus	83,216	82,971
Retained Earnings	66,431	66,955
Treasury Stock, at Cost (287,281 and 217,165 Shares at March 31, 2020 and December 31, 2019, Respectively)	(5,914)	(3,842)
Accumulated Other Comprehensive Income	5,425	2,646
TOTAL STOCKHOLDERS' EQUITY	151,525	151,097
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$ 1,313,173	$ 1,321,537