CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Sep. 30, 2019	Dec. 31, 2018
ASSETS
Cash and due from banks	$ 31,483	$ 24,347
Interest bearing deposits in other financial institutions	29,143	4,093
Federal funds sold	15,458	1,254
Cash and cash equivalents	76,084	29,694
Securities available for sale, at fair value	55,854	51,300
Loans, less allowance for credit losses of $7,054 at September 30, 2019 and $7,063 at December 31, 2018	626,607	625,513
Accrued interest receivable on loans and investment securities	2,098	2,103
Premises and equipment, at cost, less accumulated depreciation	10,134	10,048
Federal Home Loan Bank stock, at cost	2,761	2,652
Atlantic Central Bankers Bank stock, at cost	131	131
Other investments	1,571	1,537
Deferred tax asset	2,892	4,829
Other real estate owned	3,641	3,660
Core deposit intangible	843	1,069
Goodwill	5,237	5,237
Other assets	4,990	1,643
Total assets	792,843	739,416
Deposits:
Non interest bearing demand	202,983	185,476
NOW	56,138	54,481
Savings and money market	124,722	123,949
Time, $100,000 or more	127,998	115,030
Other time	148,560	135,990
Deposits, Total	660,401	614,926
Accrued interest payable on deposits	567	392
Short-term borrowings		7,000
Long-term borrowings	48,995	43,489
Notes payable	6,500	6,500
Other liabilities	4,821	1,121
Total liabilities	721,284	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 September 30, 2019 and December 31, 2018	100	100
Surplus	29,486	29,470
Retained earnings	41,335	37,149
Accumulated other comprehensive income (loss), net of tax	638	(731)
Total stockholders’ equity	71,559	65,988
Total liabilities and stockholders’ equity	$ 792,843	$ 739,416