Consolidated Statements of Financial Condition - USD ($) $ in Thousands	Sep. 30, 2019	Dec. 31, 2018
Assets
Cash and due from banks	$ 13,239	$ 15,617
Interest bearing deposits with banks	64	110
Federal funds sold		729
Cash and cash equivalents	13,303	16,456
Interest bearing time deposits with banks	2,700	3,290
Equity securities	1,115	1,118
Debt securities available for sale	200,294	141,953
Restricted investment in bank stock	3,079	2,441
Total loans	405,321	417,631
Less: Allowance for loan losses	(3,057)	(3,034)
Total loans, net of allowance for loan losses	402,264	414,597
Premises and equipment, net	8,487	8,744
Other real estate owned		744
Bank owned life insurance and annuities	16,195	15,938
Investment in low income housing partnerships	4,096	4,545
Core deposit and other intangible assets	340	405
Goodwill	9,047	9,139
Mortgage servicing rights	185	200
Accrued interest receivable and other assets	6,002	5,666
Total assets	667,107	625,236
Liabilities:
Deposits: Non-interest bearing	135,024	126,057
Deposits: Interest bearing	401,812	395,665
Total deposits	536,836	521,722
Securities sold under agreements to repurchase	3,981	2,911
Short-term borrowings		11,600
Long-term debt	45,000	15,000
Other interest bearing liabilities	1,576	1,596
Accrued interest payable and other liabilities	5,928	5,029
Total liabilities	593,321	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 September 30, 2019; 5,134,249 shares at December 31, 2018 Outstanding - 5,107,637 shares at September 30, 2019; 5,092,048 shares at December 31, 2018	5,142	5,134
Surplus	24,880	24,821
Retained earnings	43,593	42,525
Accumulated other comprehensive income (loss)	808	(4,299)
Cost of common stock in Treasury: 34,112 shares at September 30, 2019; 42,201 shares at December 31, 2018	(637)	(803)
Total stockholders' equity	73,786	67,378
Total liabilities and stockholders' equity	$ 667,107	$ 625,236