Consolidated Balance Sheets (March 31, 2020 Unaudited) - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
Assets
Cash and due from banks	$ 6,224	$ 5,405
Federal funds sold and overnight deposits	35,488	45,729
Cash and cash equivalents	41,712	51,134
Interest bearing deposits in banks	6,067	6,565
Investment securities available-for-sale	89,447	87,393
Other investments	581	690
Total investments	90,028	88,083
Loans held for sale	16,456	7,442
Loans	676,531	670,244
Allowance for loan losses	(6,391)	(6,122)
Net deferred loan costs	1,056	1,043
Net loans	671,196	665,165
Premises and equipment, net	20,528	20,923
Goodwill	2,223	2,223
Company-owned life insurance	12,403	12,322
Other assets	22,474	19,055
Total assets	883,087	872,912
Deposits
Noninterest bearing	139,963	136,434
Interest bearing	449,943	458,940
Time	146,154	148,653
Total deposits	736,060	744,027
Borrowed funds	62,164	47,164
Accrued interest and other liabilities	11,075	9,878
Total liabilities	809,299	801,069
Commitments and Contingencies
Stockholders’ Equity
Common stock, $2.00 par value; 7,500,000 shares authorized; 4,949,246 shares issued at March 31, 2020 and 4,948,245 shares issued at December 31, 2019	9,899	9,897
Additional paid-in capital	1,226	1,124
Retained earnings	64,783	64,019
Treasury stock at cost; 476,046 shares at March 31, 2020 and 476,268 shares at December 31, 2019	(4,181)	(4,183)
Accumulated other comprehensive income	2,061	986
Total stockholders' equity	73,788	71,843
Total liabilities and stockholders' equity	$ 883,087	$ 872,912