Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
ASSETS
Cash and due from banks	$ 11,333	$ 9,741
Interest-earning deposits	8,359	9,384
Total cash and cash equivalents	19,692	19,125
Investment securities available-for-sale (Note 2)	136,923	159,841
Regulatory stock (Note 2)	2,581	2,581
Loans held for sale	1,040	2,780
Total loans (Note 3)	514,392	487,490
Less allowance for loan losses (Note 3)	(4,198)	(4,578)
Net loans	510,194	482,912
Premises and equipment (Note 4)	10,202	9,038
Bank-owned life insurance	15,711	17,650
Other assets	18,323	17,174
Total assets	714,666	711,101
LIABILITIES
Noninterest-bearing deposits	136,886	123,291
Interest-bearing deposits (Note 5)	467,533	462,560
Total deposits	604,419	585,851
Securities sold under agreements to repurchase (Note 6)	2,206	2,678
Federal Home Loan Bank advances - short-term (Note 6)	12,000	32,000
Federal Home Loan Bank advances - long term (Note 6)	16,000	14,000
Subordinated debt (Note 7)	5,155	5,155
Other liabilities	9,968	9,787
Total liabilities	649,748	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, 4,349,624 in 2018 and 4,420,136 in 2017	23,641	23,641
Additional paid-in capital	20,984	20,928
Retained earnings	31,089	24,403
Accumulated other comprehensive loss	(3,656)	(1,825)
Treasury stock, at cost, 378,643 shares in 2018 and 308,131 shares in 2017	(7,140)	(5,517)
Total shareholders’ equity	64,918	61,630
Total liabilities and shareholders’ equity	$ 714,666	$ 711,101