Consolidated Statements of Financial Condition - USD ($) $ in Thousands	Jun. 30, 2019	Dec. 31, 2018
Assets
Cash and due from banks	$ 14,431	$ 15,617
Interest bearing deposits with banks	2,117	110
Federal funds sold	9,000	729
Cash and cash equivalents	25,548	16,456
Interest bearing time deposits with banks	2,700	3,290
Equity securities	1,133	1,118
Debt securities available for sale	180,019	141,953
Interest bearing time deposits with banks	3,098	2,441
Total loans	407,451	417,631
Less: Allowance for loan losses	(3,015)	(3,034)
Total loans, net of allowance for loan losses	404,436	414,597
Premises and equipment, net	8,518	8,744
Other real estate owned	595	744
Bank owned life insurance and annuities	16,095	15,938
Investment in low income housing partnerships	4,235	4,545
Core deposit and other intangible assets	361	405
Goodwill	9,047	9,139
Mortgage servicing rights	190	200
Accrued interest receivable and other assets	6,089	5,666
Total assets	662,064	625,236
Liabilities:
Deposits: Non-interest bearing	123,355	126,057
Deposits: Interest bearing	411,020	395,665
Total deposits	534,375	521,722
Securities sold under agreements to repurchase	2,857	2,911
Short-term borrowings		11,600
Long-term debt	45,000	15,000
Other interest bearing liabilities	1,596	1,596
Accrued interest payable and other liabilities	5,710	5,029
Total liabilities	589,538	557,858
Stockholders' Equity:
Preferred stock, no par value: Authorized - 500,000 shares, none issued
Common stock, par value $1.00 per share: Authorized 20,000,000 shares Issued - 5,141,749 shares at June 30, 2019; 5,134,249 shares at December 31, 2018 Outstanding - 5,103,628 shares at June 30, 2019; 5,092,048 shares at December 31, 2018	5,142	5,134
Surplus	24,858	24,821
Retained earnings	43,539	42,525
Accumulated other comprehensive loss	(301)	(4,299)
Cost of common stock in Treasury: 38,121 shares at June 30, 2019; 42,201 shares at December 31, 2018	(712)	(803)
Total stockholders' equity	72,526	67,378
Total liabilities and stockholders' equity	$ 662,064	$ 625,236