CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Jun. 30, 2019	Dec. 31, 2018
ASSETS
Cash and due from banks	$ 16,375	$ 24,347
Interest bearing deposits in other financial institutions	20,809	4,093
Federal funds sold	7,395	1,254
Cash and cash equivalents	44,579	29,694
Securities available for sale, at fair value	50,917	51,300
Loans, less allowance for credit losses of $7,066 at June 30, 2019 and $7,063 at December 31, 2018	639,649	625,513
Accrued interest receivable on loans and investment securities	2,235	2,103
Premises and equipment, at cost, less accumulated depreciation	9,953	10,048
Federal Home Loan Bank stock, at cost	2,761	2,652
Atlantic Central Bankers Bank stock, at cost	131	131
Other investments	1,559	1,537
Deferred tax asset	3,087	4,829
Other real estate owned	3,682	3,660
Core deposit intangible	918	1,069
Goodwill	5,237	5,237
Other assets	5,514	1,643
Total assets	770,222	739,416
Deposits:
Non interest bearing demand	194,656	185,476
NOW	53,646	54,481
Savings and money market	116,457	123,949
Time, $100,000 or more	126,099	115,030
Other time	148,658	135,990
Deposits, Total	639,516	614,926
Accrued interest payable on deposits	516	392
Short-term borrowings		7,000
Long-term borrowings	49,160	43,489
Notes payable	6,500	6,500
Other liabilities	4,701	1,121
Total liabilities	700,393	673,428
COMMITMENTS, CONTINGENCIES & SUBSEQUENT EVENT
STOCKHOLDERS’ EQUITY
Common stock, par value $.01, authorized 20,000,000 shares, issued and outstanding 9,985,321 as of June 30, 2019 and December 31, 2018	100	100
Surplus	29,481	29,470
Retained earnings	39,800	37,149
Accumulated other comprehensive income (loss), net of tax	448	(731)
Total stockholders’ equity	69,829	65,988
Total liabilities and stockholders’ equity	$ 770,222	$ 739,416