CONSOLIDATED BALANCE SHEET (UNAUDITED) - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
Cash and due from banks:
Noninterest-bearing	$ 20,663	$ 17,727
Interest-bearing	858	793
Total cash and cash equivalents	21,521	18,520
Interest bearing time deposits with other banks	14,506	14,256
Equity securities	649	701
Available-for-sale securities	257,788	240,706
Loans held for sale	2,006	815
Loans (net of allowance for loan losses: 2020, $14,247 and 2019, $13,845)	1,079,473	1,101,724
Premises and equipment	16,222	15,933
Accrued interest receivable	4,587	4,555
Goodwill	23,296	23,296
Bank owned life insurance	28,284	28,128
Other intangibles	1,294	1,346
Other assets	15,103	16,359
TOTAL ASSETS	1,464,729	1,466,339
Deposits:
Noninterest-bearing	204,489	203,793
Interest-bearing	1,000,661	1,007,325
Total deposits	1,205,150	1,211,118
Borrowed funds	83,563	85,117
Accrued interest payable	906	1,088
Other liabilities	15,187	14,242
TOTAL LIABILITIES	1,304,806	1,311,565
STOCKHOLDERS' EQUITY:
Preferred Stock $1.00 par value; authorized 3,000,000 shares at March 31, 2020 and December 31, 2019; none issued in 2020 or 2019	0	0
Common stock $1.00 par value; authorized 25,000,000 shares at March 31, 2020 and December 31, 2019; issued 3,938,668 at March 31, 2020 and December 31, 2019	3,939	3,939
Additional paid-in capital	55,129	55,089
Retained earnings	113,374	110,800
Accumulated other comprehensive income (loss)	2,918	(629)
Treasury stock, at cost: 432,659 shares at March 31, 2020 and 413,607 shares at December 31, 2019	(15,437)	(14,425)
TOTAL STOCKHOLDERS' EQUITY	159,923	154,774
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$ 1,464,729	$ 1,466,339