Consolidated Balance Sheets (Current Period Unaudited) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Assets
Cash and due from banks	$ 10,167	$ 12,398
Interest-bearing deposits in banks	27,353	5,210
Total cash and cash equivalents	37,520	17,608
Investments:
Available-for-sale (amortized cost $437,863 and $349,385)	444,616	349,710
Equity securities (cost of $12,726 and $9,053)	11,691	9,164
Restricted investment in stocks	1,041	1,073
Loans held-for-sale	9,077	977
Loans receivable	887,792	820,616
Allowance for loan losses	(10,765)	(9,887)
Net loans	877,027	810,729
Bank-owned life insurance	11,703	11,490
Premises and equipment, net	15,625	15,608
Accrued interest receivable	4,674	2,828
Net deferred tax assets	583	1,441
Other assets	3,516	4,395
Total assets	1,417,073	1,225,023
Deposits
Demand, non-interest bearing	205,492	146,270
Interest-bearing demand	402,970	332,918
Money market	96,048	75,634
Savings	306,199	247,462
Time	110,279	120,917
Time of $100 or more	93,475	114,659
Total deposits	1,214,463	1,037,860
Short-term borrowings	52,406	55,931
Long-term debt	10,000
Accrued interest payable	447	909
Other liabilities	8,762	9,606
Total liabilities	1,286,078	1,104,306
Shareholders' Equity
Common stock, par value $0.625 per share; authorized 10,000,000 shares; 3,715,171 shares and 3,684,336 shares issued; 3,550,602 and 3,519,767 shares outstanding	2,322	2,303
Surplus	22,113	21,261
Retained earnings	103,701	99,372
Accumulated other comprehensive gain, net of tax	5,335	257
Treasury stock, at cost; 164,569 shares	(2,476)	(2,476)
Total shareholders' equity	130,995	120,717
Total liabilities and shareholders' equity	$ 1,417,073	$ 1,225,023