Consolidated Balance Sheets - USD ($) $ in Thousands		Dec. 31, 2019	Dec. 31, 2018
Assets
Cash and due from banks		$ 37,280	$ 19,915
Interest-bearing due from banks		48,610	20,000
Federal funds sold		3,975	2,302
Cash and cash equivalents		89,865	42,217
Securities available-for-sale, at fair value		145,715	148,247
Restricted securities, at cost		2,926	3,853
Loans held for sale		590	479
Loans, net	[1]	738,205	763,898
Premises and equipment, net		35,312	36,738
Bank-owned life insurance		27,547	26,763
Other real estate owned, net		0	83
Goodwill		1,650	1,650
Core deposit intangible, net		363	407
OtherAssets		12,315	13,848
Total assets		1,054,488	1,038,183
Deposits:
Noninterest-bearing deposits		262,558	246,265
Savings deposits		399,020	367,915
Time deposits		227,918	228,964
Total deposits		889,496	843,144
Overnight repurchase agreements		11,452	25,775
Federal Home Loan Bank advances		37,000	60,000
Other borrowings		1,950	2,550
OtherLiabilities		4,834	4,708
Total liabilities		944,732	936,177
Stockholders' equity:
Common stock, $5 par value, 10,000,000 shares authorized; 5,200,038 and 5,184,289 shares outstanding (includes 19,933 and 13,689 of nonvested restricted stock, respectively)		25,901	25,853
Additional paid-in capital		20,959	20,698
Retained earnings		62,975	57,611
Accumulated other comprehensive loss, net		(79)	(2,156)
Total stockholders' equity		109,756	102,006
Total liabilities and stockholders' equity		$ 1,054,488	$ 1,038,183

[1] Net deferred loan costs totaled $557 thousand and $864 thousand at December 31, 2019 and 2018, respectively.