Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Assets
Interest bearing deposits with banks	$ 110,742	$ 69,103
Cash and due from banks	20,849	27,679
Total cash and cash equivalents	131,591	96,782
Securities, available-for-sale	159,675	149,593
Restricted investment in bank stocks, at cost	4,551	5,922
Loans held for sale	11,803	4,127
Loans (net of deferred fees of $3,463 - 2019 and $3,722 - 2018)	1,505,135	1,485,680
Less-allowance for loan losses	(21,066)	(19,144)
Net loans	1,484,069	1,466,536
Premises and equipment, net	25,967	24,724
Operating leases right-of-use assets	3,021	0
Goodwill	2,301	2,301
Other assets	63,567	57,495
Total assets	1,886,545	1,807,480
Deposits
Noninterest bearing	273,968	252,777
Interest bearing	1,316,596	1,242,503
Total deposits	1,590,564	1,495,280
Short-term borrowings	7,925	7,022
Long-term debt	81,632	115,310
Operating leases liabilities	3,184	0
Other liabilities	12,072	11,122
Total liabilities	1,695,377	1,628,734
Shareholders' equity
Preferred stock, par value $2.50 per share; 1,000,000 shares authorized; shares issued and outstanding: 0 at December 31, 2019 and 0 at December 31, 2018	0	0
Common stock, par value $2.50 per share; 30,000,000 shares authorized; shares issued and outstanding: 9,755,976 at December 31, 2019 and 9,924,124 at December 31, 2018	24,390	23,629
Additional paid-in capital	140,450	134,506
Retained earnings	25,019	22,837
Accumulated other comprehensive income (loss)	1,309	(2,226)
Total shareholders' equity	191,168	178,746
Total liabilities and shareholders' equity	$ 1,886,545	$ 1,807,480