Consolidated Balance Sheets - USD ($) $ in Thousands	Sep. 30, 2018	Dec. 31, 2017
Assets
Cash and due from banks	$ 12,843	$ 10,793
Interest-bearing deposits in banks	1,139	5,538
Total cash and cash equivalents	13,982	16,331
Investment debt securities
Available-for-sale (amortized cost $361,297 and $380,440)	347,392	374,570
Investment equity securities (cost of $10,232 and $5,296)	10,436	4,975
Restricted investment in stocks	1,582	1,501
Loans held-for-sale	154
Loans receivable	785,962	733,283
Allowance for loan losses	(8,645)	(7,841)
Net loans	777,317	725,442
Bank-owned life insurance	11,108	10,894
Premises and equipment, net	9,825	8,495
Accrued interest receivable	4,114	3,545
Net deferred tax assets	5,061	3,319
Other assets	3,418	3,265
Total assets	1,184,389	1,152,337
Deposits
Demand, non-interest bearing	128,089	129,212
Interest-bearing demand	316,462	297,470
Money market	72,666	84,562
Savings	283,339	257,522
Time	118,817	124,485
Time of $100 or more	105,192	100,697
Total deposits	1,024,565	993,948
Short-term borrowings	55,923	55,756
Accrued interest payable	425	384
Other liabilities	4,642	3,679
Total liabilities	1,085,555	1,053,767
Shareholders' Equity
Common stock, par value $0.625 per share; authorized 10,000,000 shares; 3,636,566 shares and 3,612,677 shares issued; 3,471,997 and 3,448,108 shares outstanding	2,273	2,258
Surplus	19,602	18,691
Retained earnings	90,420	84,183
Accumulated other comprehensive loss, net of tax	(10,985)	(4,086)
Treasury stock, at cost; 164,569 shares	(2,476)	(2,476)
Total shareholders' equity	98,834	98,570
Total liabilities and shareholders' equity	$ 1,184,389	$ 1,152,337