CONSOLIDATED BALANCE SHEET (UNAUDITED) - USD ($) $ in Thousands	Sep. 30, 2019	Dec. 31, 2018
Cash and due from banks:
Noninterest-bearing	$ 19,005	$ 15,327
Interest-bearing	1,081	1,470
Total cash and cash equivalents	20,086	16,797
Interest bearing time deposits with other banks	14,256	15,498
Equity securities	650	516
Available-for-sale securities	247,027	241,010
Loans held for sale	1,430	1,127
Loans (net of allowance for loan losses: 2019, $13,679 and 2018, $12,884)	1,101,355	1,068,999
Premises and equipment	15,881	16,273
Accrued interest receivable	4,476	4,452
Goodwill	23,296	23,296
Bank owned life insurance	27,968	27,505
Other intangibles	1,400	1,623
Other assets	17,180	13,616
TOTAL ASSETS	1,475,005	1,430,712
Deposits:
Noninterest-bearing	199,046	179,971
Interest-bearing	1,000,258	1,005,185
Total deposits	1,199,304	1,185,156
Borrowed funds	109,840	91,194
Accrued interest payable	1,052	1,076
Other liabilities	13,131	14,057
TOTAL LIABILITIES	1,323,327	1,291,483
STOCKHOLDERS' EQUITY:
Preferred Stock $1.00 par value; authorized 3,000,000 shares at September 30, 2019 and December 31, 2018; none issued in 2019 or 2018	0	0
Common stock $1.00 par value; authorized 25,000,000 shares at September 30, 2019 and December 31, 2018; issued 3,938,668 at September 30, 2019 and 3,904,212, at December 31, 2018	3,939	3,904
Additional paid-in capital	55,096	53,099
Retained earnings	107,342	99,727
Accumulated other comprehensive loss	(289)	(3,921)
Treasury stock, at cost: 413,353 shares at September 30, 2019 and 399,616 shares at December 31, 2018	(14,410)	(13,580)
TOTAL STOCKHOLDERS' EQUITY	151,678	139,229
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$ 1,475,005	$ 1,430,712