CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Sep. 30, 2019	Dec. 31, 2018
CONSOLIDATED BALANCE SHEETS
Cash and due from banks	$ 40,267	$ 23,159
Federal funds sold	265	793
Cash and cash equivalents	40,532	23,952
Securities available-for-sale (amortized cost of $48,276 and $50,942 as of June 30, 2019 and December 31, 2018)	52,757	50,428
Securities held-to-maturity (fair value of $12,480 and $12,655 as of June 30, 2019 and December 31, 2018)	8,814	12,741
Mortgage loans held for sale (amortized cost of $39,066 and $37,337 as of June 30, 2019 and December 31, 2018)	48,615	37,695
Loans, net of fees and costs (includes $12,381 and $11,422 of loans at fair value, amortized cost of $12,012 and $11,466 as of June 30, 2019 and December 31, 2018)	935,858	838,106
Allowance for loan and lease losses	(9,312)	(8,053)
Loans, net of the allowance for loan and lease losses	926,546	830,053
Restricted investment in bank stock	8,237	7,002
Bank premises and equipment, net	8,929	9,638
Bank owned life insurance	11,787	11,569
Accrued interest receivable	3,155	2,889
Other real estate owned	120
Deferred income taxes (Footnote 1)	1,803	1,728
Goodwill and intangible assets	4,841	5,046
Other assets	10,801	4,739
Total assets	1,126,937	997,480
Deposits:
Noninterest bearing	129,302	126,150
Interest-bearing	729,159	625,980
Total deposits	858,461	752,130
Short-term borrowings	128,465	114,300
Long-term debt	3,123	6,238
Subordinated debentures	9,176	9,239
Accrued interest payable	669	305
Other liabilities (Footnote 1)	9,271	5,716
Total liabilities	1,009,165	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 June 30, 2019 and December 31, 2018	6,408	6,407
Surplus	80,192	79,919
Retained earnings (Footnote 1)	30,961	23,616
Accumulated other comprehensive loss	211	(390)
Total stockholders’ equity	117,772	109,552
Total liabilities and stockholders’ equity	$ 1,126,937	$ 997,480