Consolidated Balance Sheets (Unaudited) - USD ($) $ in Thousands	Sep. 30, 2018	Dec. 31, 2017
ASSETS
Cash and due from banks	$ 6,189	$ 9,741
Interest-earning deposits	11,097	9,384
Total cash and cash equivalents	17,286	19,125
Investment securities available-for-sale (Note 3)	137,845	159,841
Regulatory stock (Note 3)	2,581	2,581
Loans held for sale	1,077	2,780
Total loans (Note 4)	481,914	487,490
Less allowance for loan losses (Note 4)	(4,152)	(4,578)
Net loans	477,762	482,912
Premises and equipment	9,298	9,038
Bank-owned life insurance	15,632	17,650
Other assets	19,823	17,174
Total assets	681,304	711,101
LIABILITIES
Noninterest-bearing deposits	133,643	123,291
Interest-bearing deposits	427,563	462,560
Total deposits	561,206	585,851
Short-term borrowings (Note 13)	2,000	2,678
Federal Home Loan Bank advances - short term	23,000	32,000
Federal Home Loan Bank advances - long term	16,000	14,000
Subordinated debt (Note 7)	5,155	5,155
Other liabilities	11,898	9,787
Total liabilities	619,259	649,471
SHAREHOLDERS’ EQUITY
Common stock - $5.00 stated value - authorized 20,000,000 shares; issued 4,728,267 shares in 2018 and 2017; outstanding shares, 4,363,537 in 2018 and 4,420,136 in 2017	23,641	23,641
Additional paid-in capital	20,936	20,928
Retained earnings	29,544	24,403
Accumulated other comprehensive loss (Note 10)	(5,224)	(1,825)
Treasury stock, at cost, 364,730 shares in 2018 and 308,131 in 2017	(6,852)	(5,517)
Total shareholders’ equity	62,045	61,630
Total liabilities and shareholders’ equity	$ 681,304	$ 711,101