Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
ASSETS
Cash and due from banks	$ 8,448	$ 11,333
Interest-earning deposits	19,367	8,359
Total cash and cash equivalents	27,815	19,692
Investment securities available-for-sale (Note 2)	136,131	136,923
Regulatory stock (Note 2)	2,835	2,581
Loans held for sale	4,890	1,040
Total loans (Note 3)	518,716	514,392
Less allowance for loan losses (Note 3)	(4,465)	(4,198)
Net loans	514,251	510,194
Premises and equipment (Note 4)	12,018	10,202
Bank-owned life insurance	17,768	15,711
Other assets	21,454	18,323
Total assets	737,162	714,666
LIABILITIES
Noninterest-bearing deposits	133,340	136,886
Interest-bearing deposits (Note 5)	485,041	467,533
Total deposits	618,381	604,419
Securities sold under agreements to repurchase (Note 6)	1,922	2,206
Federal Home Loan Bank advances - short-term (Note 6)		12,000
Federal Home Loan Bank advances - long term (Note 6)	24,000	16,000
Subordinated debt (Note 7)	5,155	5,155
Other liabilities	13,366	9,968
Total liabilities	662,824	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, 4,323,822 in 2019 and 4,349,624 in 2018	23,641	23,641
Additional paid-in capital	21,266	20,984
Retained earnings	36,187	31,089
Accumulated other comprehensive income (loss)	1,168	(3,656)
Treasury stock, at cost, 404,445 shares in 2019 and 378,643 shares in 2018	(7,924)	(7,140)
Total shareholders’ equity	74,338	64,918
Total liabilities and shareholders’ equity	$ 737,162	$ 714,666