Consolidated Balance Sheets (Current Period Unaudited) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
ASSETS
Cash and due from banks	$ 7,808	$ 8,448
Interest-earning deposits	40,825	19,367
Total cash and cash equivalents	48,633	27,815
Investment securities available-for-sale (Note 3)	167,577	136,131
Regulatory stock (Note 3)	3,031	2,835
Loans held for sale	6,564	4,890
Total loans (Note 4)	534,146	518,716
Less allowance for loan losses (Note 4)	(6,045)	(4,465)
Net loans	528,101	514,251
Premises and equipment	11,885	12,018
Bank-owned life insurance	21,046	17,768
Other assets	24,788	21,454
Total assets	811,625	737,162
LIABILITIES
Noninterest-bearing deposits	194,174	133,340
Interest-bearing deposits	486,466	485,041
Total deposits	680,640	618,381
Securities sold under agreements to repurchase (Note 13)	1,088	1,922
Federal Home Loan Bank advances - short term	7,000	0
Federal Home Loan Bank advances - long term	24,000	24,000
Subordinated debt (Note 7)	5,155	5,155
Other liabilities	15,594	13,366
Total liabilities	733,477	662,824
SHAREHOLDERS’ EQUITY
Common stock - $5.00 stated value - authorized 20,000,000 shares; issued 4,728,267 shares in 2020 and 2019; outstanding shares, 4,223,153 in 2020 and 4,323,822 in 2019	23,641	23,641
Additional paid-in capital	21,153	21,266
Retained earnings	39,657	36,187
Accumulated other comprehensive income (Note 10)	4,301	1,168
Treasury stock, at cost, 505,114 shares in 2020 and 404,445 in 2019	(10,604)	(7,924)
Total shareholders’ equity	78,148	74,338
Total liabilities and shareholders’ equity	$ 811,625	$ 737,162