Consolidated Balance Sheets - USD ($) $ in Thousands	Sep. 30, 2019	Dec. 31, 2018
Assets
Cash and due from banks	$ 19,709	$ 12,888
Interest-bearing deposits in banks	1,078	570
Total cash and cash equivalents	20,787	13,458
Investments:
Available-for-sale (amortized cost $360,472 and $353,249)	361,157	344,221
Equity securities (cost of $6,242 and $10,079)	5,850	9,421
Restricted investment in stocks	2,081	797
Loans held-for-sale	240
Loans receivable	830,556	785,448
Allowance for loan losses	(9,494)	(8,834)
Net loans	821,062	776,614
Bank-owned life insurance	11,406	11,192
Premises and equipment, net	14,842	9,918
Accrued interest receivable	3,276	2,852
Net deferred tax assets	1,471	3,724
Other assets	3,691	3,255
Total assets	1,245,863	1,175,452
Deposits
Demand, non-interest bearing	150,944	128,615
Interest-bearing demand	345,581	304,652
Money market	77,699	78,781
Savings	238,134	279,762
Time	122,155	117,569
Time of $100 or more	113,676	106,219
Total deposits	1,048,189	1,015,598
Short-term borrowings	69,945	50,872
Accrued interest payable	790	449
Other liabilities	7,954	4,185
Total liabilities	1,126,878	1,071,104
Shareholders' Equity
Common stock, par value $0.625 per share; authorized 10,000,000 shares; 3,672,125 shares and 3,648,649 shares issued; 3,507,556 and 3,484,080 shares outstanding	2,295	2,280
Surplus	20,839	20,041
Retained earnings	97,787	91,635
Accumulated other comprehensive gain, net of tax	540	(7,132)
Treasury stock, at cost; 164,569 shares	(2,476)	(2,476)
Total shareholders' equity	118,985	104,348
Total liabilities and shareholders' equity	$ 1,245,863	$ 1,175,452