Consolidated Statements of Financial Condition - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Assets
Cash and due from banks	$ 12,658	$ 15,617
Interest bearing deposits with banks	82	110
Federal funds sold		729
Cash and cash equivalents	12,740	16,456
Interest bearing time deposits with banks	2,210	3,290
Equity securities	1,144	1,118
Debt securities available for sale	210,686	141,953
Restricted investment in bank stock	3,442	2,441
Total loans	400,590	417,631
Less: Allowance for loan losses	(2,961)	(3,034)
Total loans, net of allowance for loan losses	397,629	414,597
Premises and equipment, net	9,243	8,744
Other real estate owned		744
Bank owned life insurance and annuities	16,266	15,938
Investment in low income housing partnerships	3,904	4,545
Core deposit and other intangible assets	318	405
Goodwill	9,047	9,139
Mortgage servicing rights	180	200
Accrued interest receivable and other assets	3,823	5,666
Total assets	670,632	625,236
Liabilities:
Deposits: Non-interest bearing	134,703	126,057
Deposits: Interest bearing	397,234	395,665
Total deposits	531,937	521,722
Short-term borrowings and repurchase agreements	13,129	14,511
Long-term debt	45,000	15,000
Other interest bearing liabilities	1,603	1,596
Accrued interest payable and other liabilities	5,256	5,029
Total liabilities	596,925	557,858
Commitments and contingent liabilities
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 December 31, 2019; 5,134,249 shares at December 31, 2018 Outstanding - 5,099,729 shares at December 31, 2019; 5,092,048 shares at December 31, 2018	5,142	5,134
Surplus	24,898	24,821
Retained earnings	43,954	42,525
Accumulated other comprehensive income (loss)	516	(4,299)
Cost of common stock in Treasury: 42,020 shares at December 31, 2019; 42,201 shares at December 31, 2018	(803)	(803)
Total stockholders' equity	73,707	67,378
Total liabilities and stockholders' equity	$ 670,632	$ 625,236