Consolidated Balance Sheets (Unaudited) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
ASSETS
Cash and due from banks	$ 7,605	$ 11,333
Interest-earning deposits	12,381	8,359
Total cash and cash equivalents	19,986	19,692
Investment securities available-for-sale (Note 3)	136,372	136,923
Regulatory stock (Note 3)	2,581	2,581
Loans held for sale	2,321	1,040
Total loans (Note 4)	482,313	514,392
Less allowance for loan losses (Note 4)	(4,340)	(4,198)
Net loans	477,973	510,194
Premises and equipment	10,526	10,202
Bank-owned life insurance	15,439	15,711
Other assets	20,298	18,323
Total assets	685,496	714,666
LIABILITIES
Noninterest-bearing deposits	128,641	136,886
Interest-bearing deposits	442,935	467,533
Total deposits	571,576	604,419
Securities sold under agreements to repurchase (Note 13)	1,638	2,206
Federal Home Loan Bank advances - short term	9,000	12,000
Federal Home Loan Bank advances - long term	18,000	16,000
Subordinated debt (Note 7)	5,155	5,155
Other liabilities	11,808	9,968
Total liabilities	617,177	649,748
SHAREHOLDERS’ EQUITY
Common stock - $5.00 stated value - authorized 20,000,000 shares; issued 4,728,267 shares in 2019 and 2018; outstanding shares, 4,352,394 in 2019 and 4,349,624 in 2018	23,641	23,641
Additional paid-in capital	20,982	20,984
Retained earnings	32,498	31,089
Accumulated other comprehensive loss (Note 10)	(1,778)	(3,656)
Treasury stock, at cost, 375,873 shares in 2019 and 378,643 in 2018	(7,024)	(7,140)
Total shareholders’ equity	68,319	64,918
Total liabilities and shareholders’ equity	$ 685,496	$ 714,666