CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Jun. 30, 2019	Dec. 31, 2018
ASSETS
Cash and due from banks	$ 7,465	$ 9,822
Interest-bearing deposits in other banks	2,182	1,128
Total cash and cash equivalents	9,647	10,950
Time deposits with other banks	1,482	1,482
Debt securities available-for-sale, at fair value	305,578	316,054
Marketable equity securities, at fair value	1,671	1,560
Restricted investment in bank stocks	6,474	8,681
Loans	611,414	606,027
Loans held for sale	667	365
Allowance for loan losses	(6,772)	(6,745)
Net loans	605,309	599,647
Premises and equipment, net	19,736	19,946
Operating lease right-of-use assets	1,530	0
Accrued interest receivable	3,934	4,041
Cash surrender value of bank owned life insurance	23,272	22,963
Investments in low-income housing partnerships	2,004	2,096
Goodwill	19,133	19,133
Foreclosed assets held for resale	895	1,163
Deferred income taxes	0	1,469
Other assets	3,147	2,815
TOTAL ASSETS	1,003,812	1,012,000
LIABILITIES
Non-interest bearing	135,976	126,361
Interest bearing	570,749	545,192
Total deposits	706,725	671,553
Short-term borrowings	120,151	174,445
Long-term borrowings	45,000	45,000
Operating lease liabilities	1,639	0
Accrued interest payable	739	785
Deferred income taxes	425	0
Other liabilities	3,426	3,461
TOTAL LIABILITIES	878,105	895,244
STOCKHOLDERS' EQUITY
Preferred stock, par value $2.00 per share; authorized 1,000,000 shares as of June 30, 2019 and December 31, 2018;
Common stock, par value $2.00 per share; authorized 20,000,000 shares as of June 30, 2019 and December 31, 2018; issued 6,021,455 as of June 30, 2019 and 5,996,322 as of December 31, 2018; outstanding 5,789,843 as of June 30,2019 and 5,764,710 as of December 31, 2018	12,043	11,993
Surplus	37,801	37,255
Retained earnings	77,454	75,798
Accumulated other comprehensive income (loss)	4,118	(2,581)
Treasury stock, at cost, 231,612 shares as of June 30, 2019 and December 31, 2018	(5,709)	(5,709)
TOTAL STOCKHOLDERS' EQUITY	125,707	116,756
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$ 1,003,812	$ 1,012,000