Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Assets
Cash and due from banks	$ 13,422	$ 12,398
Interest-bearing deposits in banks	25,909	5,210
Total cash and cash equivalents	39,331	17,608
Investment securities:
Available-for-sale (amortized cost $428,495 and $349,385)	435,646	349,710
Equity securities (cost of $12,784 and $9,053)	12,849	9,164
Restricted investment in bank stocks	1,041	1,073
Loans held-for-sale	6,570	977
Loans receivable	920,042	820,616
Allowance for loan losses	(10,826)	(9,887)
Net loans	909,216	810,729
Bank-owned life insurance	11,791	11,490
Premises and equipment, net	15,404	15,608
Accrued interest receivable	4,825	2,828
Net deferred tax assets	66	1,441
Other assets	3,490	4,395
Total assets	1,440,229	1,225,023
Deposits
Demand, non-interest bearing	204,584	146,270
Interest-bearing demand	395,364	332,918
Money market	96,811	75,634
Savings	334,223	247,462
Time	107,582	120,917
Time of $100 or more	89,503	114,659
Total deposits	1,228,067	1,037,860
Short-term borrowings	58,838	55,931
Long-term debt	10,000
Accrued interest payable	350	909
Other liabilities	8,529	9,606
Total liabilities	1,305,784	1,104,306
Shareholders' Equity
Common stock, par value $0.625 per share; authorized 10,000,000 shares; 3,725,202 shares and 3,684,336 shares issued; 3,556,533 and 3,519,767 shares outstanding	2,328	2,303
Surplus	22,430	21,261
Retained earnings	106,644	99,372
Accumulated other comprehensive gain, net of tax	5,649	257
Treasury stock, at cost; 168,669 and 164,569 shares	(2,606)	(2,476)
Total shareholders' equity	134,445	120,717
Total liabilities and shareholders' equity	$ 1,440,229	$ 1,225,023