CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
CONSOLIDATED BALANCE SHEETS
Cash and due from banks	$ 38,940	$ 23,159
Federal funds sold		793
Cash and cash equivalents	38,940	23,952
Securities available-for-sale (amortized cost of $50,473 and $50,942 as of March 31, 2019 and December 31, 2018)	50,440	50,428
Securities held-to-maturity (fair value of $12,814 and $12,655 as of March 31, 2019 and December 31, 2018)	12,712	12,741
Mortgage loans held for sale (amortized cost of $29,163 and $37,337 as of March 31, 2019 and December 31, 2018)	29,612	37,695
Loans, net of fees and costs (includes $12,751 and $11,422 of loans at fair value, amortized cost of $12,472 and $11,466 as of March 31, 2019 and December 31, 2018)	862,372	838,106
Allowance for loan and lease losses	(8,376)	(8,053)
Loans, net of the allowance for loan and lease losses	853,996	830,053
Restricted investment in bank stock	6,179	7,002
Bank premises and equipment, net	9,276	9,638
Bank owned life insurance	11,641	11,569
Accrued interest receivable	3,001	2,889
Other real estate owned	120
Deferred income taxes (See Footnote 1)	1,569	1,728
Goodwill and intangible assets	4,978	5,046
Other assets	5,050	4,739
Total assets	1,027,514	997,480
Deposits:
Noninterest bearing	115,464	126,150
Interest-bearing	695,249	625,980
Total deposits	810,713	752,130
Short-term borrowings	82,233	114,300
Long-term debt	6,031	6,238
Subordinated debentures	9,239	9,239
Accrued interest payable	434	305
Other liabilities (See Footnote 1)	6,872	5,716
Total liabilities	915,522	887,928
Stockholders’ equity:
Common stock, $1 par value. Authorized 10,000,000 shares; issued and outstanding 6,406,996 and 6,406,795 as of March 31, 2019 and December 31, 2018	6,407	6,407
Surplus	79,980	79,919
Retained earnings (See Footnote 1)	25,622	23,616
Accumulated other comprehensive loss	(17)	(390)
Total stockholders’ equity	111,992	109,552
Total liabilities and stockholders’ equity	$ 1,027,514	$ 997,480