Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Assets
Cash and due from banks	$ 7,782	$ 12,497
Fed funds sold	141
Cash and cash equivalents	7,923	12,497
Available for sale securities, stated at fair value	65,731	88,955
Loans held for sale	771	217
Loans, net of allowance for loan and lease losses of $3,262 and $3,093, respectively	369,830	331,206
Premises and equipment, net	8,163	7,661
Mortgage servicing rights, net	2,103	2,270
Federal Home Loan Bank (FHLB) stock, at cost	1,261	1,436
Accrued interest receivable	1,106	1,214
Cash value of life insurance	13,400	13,732
Other assets	10,811	9,173
TOTAL ASSETS	481,099	468,361
Liabilities and Equity
Deposits	406,137	389,291
Advance payments by borrowers for taxes and insurance	1,240	385
FHLB advances	30,010	34,693
Accrued interest payable	372	340
Other liabilities	5,159	4,658
Total liabilities	442,918	429,367
Retained earnings	39,764	39,783
Accumulated other comprehensive loss, net of income taxes	(1,583)	(789)
Total equity	38,181	38,994
TOTAL LIABILITIES AND EQUITY	$ 481,099	$ 468,361