CONSOLIDATED BALANCE SHEETS - USD ($)	Sep. 30, 2020	Dec. 31, 2019
ASSETS
Cash and due from banks	$ 9,627,000	$ 10,251,000
Interest-bearing deposits in other banks	36,349,000	473,000
Total cash and cash equivalents	45,976,000	10,724,000
Time deposits with other banks	247,000	247,000
Debt securities available-for-sale, at fair value	316,521,000	277,928,000
Marketable equity securities, at fair value	1,393,000	1,933,000
Restricted investment in bank stocks, at cost	2,247,000	4,224,000
Loans	691,766,000	645,440,000
Loans held for sale	12,274,000	2,292,000
Allowance for loan losses	(7,579,000)	(7,005,000)
Net loans	696,461,000	640,727,000
Premises and equipment, net	18,875,000	19,387,000
Operating lease right-of-use assets	1,125,000	1,470,000
Accrued interest receivable	4,730,000	3,405,000
Cash surrender value of bank owned life insurance	24,041,000	23,583,000
Investments in low-income housing partnerships	1,556,000	1,828,000
Goodwill	19,133,000	19,133,000
Foreclosed assets held for resale	88,000	119,000
Other assets	2,342,000	2,518,000
TOTAL ASSETS	1,134,735,000	1,007,226,000
LIABILITIES
Non-interest bearing	201,896,000	134,648,000
Interest bearing	717,323,000	626,980,000
Total deposits	919,219,000	761,628,000
Short-term borrowings	23,123,000	54,663,000
Long-term borrowings	45,000,000	55,000,000
Operating lease liabilities	1,535,000	1,663,000
Accrued interest payable	398,000	606,000
Deferred income taxes	1,690,000	438,000
Other liabilities	3,301,000	4,476,000
TOTAL LIABILITIES	994,266,000	878,474,000
STOCKHOLDERS' EQUITY
Preferred stock, par value $2.00 per share; authorized 1,000,000 shares as of September 30, 2020 and December 31, 2019; issued 0 as of September 30, 2020 and December 31, 2019	0	0
Common stock, par value $2.00 per share; authorized 20,000,000 shares as of September 30, 2020 and December 31, 2019; issued 6,097,519 as of September 30, 2020 and 6,048,506 as of December 31, 2019; outstanding 5,865,907 as of September 30, 2020 and 5,816,894 as of December 31, 2019	12,195,000	12,097,000
Surplus	39,243,000	38,365,000
Retained earnings	83,625,000	79,778,000
Accumulated other comprehensive income	11,115,000	4,221,000
Treasury stock, at cost, 231,612 shares as of September 30, 2020 and December 31, 2019	(5,709,000)	(5,709,000)
TOTAL STOCKHOLDERS' EQUITY	140,469,000	128,752,000
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$ 1,134,735,000	$ 1,007,226,000