Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Assets
Cash and due from banks	$ 10,290	$ 12,882
Interest-bearing deposits	76,881	43,491
Securities available for sale, at fair value	435,263	425,010
Restricted stock	1,220	1,220
Mortgage loans held for sale	905	72
Loans:
Gross loans	734,027	710,397
Less unearned income and deferred fees and costs	(576)	(598)
Loans, net of unearned income and deferred fees and costs	733,451	709,799
Less allowance for loan losses	(6,863)	(7,390)
Loans, net	726,588	702,409
Premises and equipment, net	8,919	8,646
Accrued interest receivable	4,285	5,160
Other real estate owned, net	1,612	2,052
Goodwill	5,848	5,848
Bank-owned life insurance (BOLI)	35,567	34,657
Other assets	14,459	14,585
Total assets	1,321,837	1,256,032
Liabilities and Stockholders’ Equity
Noninterest-bearing demand deposits	201,866	195,441
Interest-bearing demand deposits	643,482	616,527
Savings deposits	146,377	138,175
Time deposits	128,028	101,799
Total deposits	1,119,753	1,051,942
Accrued interest payable	144	89
Other liabilities	18,214	13,763
Total liabilities	1,138,111	1,065,794
Commitments and contingencies
Stockholders’ equity:
Preferred stock, no par value, 5,000,000 shares authorized; none issued and outstanding	0	0
Common stock, $1.25 par value. Authorized 10,000,000 shares; issued and outstanding, 6,489,574 shares in 2019 and 6,957,974 in 2018	8,112	8,698
Retained earnings	184,120	193,625
Accumulated other comprehensive loss, net	(8,506)	(12,085)
Total stockholders’ equity	183,726	190,238
Total liabilities and stockholders’ equity	1,321,837	1,256,032
Real Estate Construction Portfolio Segment[Member]
Loans:
Gross loans	42,303	37,845
Less allowance for loan losses	(400)	(398)
Consumer Real Estate Portfolio Segment [Member]
Loans:
Gross loans	181,472	175,456
Less allowance for loan losses	(1,895)	(2,049)
Commercial Real Estate Portfolio Segment [Member]
Loans:
Gross loans	365,373	353,546
Less allowance for loan losses	(2,559)	(2,798)
Commercial Non Real Estate Segment [Member]
Loans:
Gross loans	46,576	46,535
Less allowance for loan losses	(555)	(602)
Public Sector and IDA Portfolio Segment[Member]
Loans:
Gross loans	63,764	60,777
Less allowance for loan losses	(478)	(583)
Consumer Non Real Estate Portfolio Segment [Member]
Loans:
Gross loans	34,539	36,238
Less allowance for loan losses	$ (650)	$ (750)