CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
ASSETS
Cash and due from banks	$ 13,916	$ 12,887
Interest bearing deposits in other financial institutions	308,016	297,902
Federal funds sold	23,982	28,040
Cash and cash equivalents	345,914	338,829
Securities available for sale, at fair value	125,129	122,021
Loans held for sale	1,342	4,064
Loans, less allowance for credit losses of $14,565 at March 31, 2022 and $14,656 at December 31, 2021	1,138,799	1,102,539
Accrued interest receivable	4,113	4,313
Premises and equipment, less accumulated depreciation	15,970	16,175
Restricted stock	4,935	4,869
Operating lease right-of-use assets	5,770	6,009
Financing lease right-of-use assets	1,653	1,687
Other investments	4,983	5,065
Bank owned life insurance	18,366	18,254
Other real estate owned, net		837
Core deposit intangible, net	1,926	2,060
Goodwill	9,582	9,582
Other assets	10,833	8,675
Total assets	1,689,315	1,644,979
Deposits:
Non-interest bearing demand	544,688	493,913
Interest bearing demand	149,187	159,421
Savings and money market	441,373	410,286
Time	356,207	379,256
Deposits, Total	1,491,455	1,442,876
Accrued interest payable on deposits	267	280
Long-term borrowings with the Federal Home Loan Bank	26,149	26,313
Subordinated notes payable, net	22,180	22,168
Other borrowings	750	755
Operating lease liabilities	6,166	6,372
Financing lease liabilities	2,096	2,125
Other liabilities	2,989	2,722
Total liabilities	1,552,052	1,503,611
COMMITMENTS, CONTINGENCIES & SUBSEQUENT EVENT
STOCKHOLDERS' EQUITY
Common stock, par value $.01, authorized 40,000,000 shares, issued and outstanding 17,961,699 as of March 31, 2022 and 17,941,604 as of December 31, 2021, including 28,000 nonvested shares as of March 31, 2022 and December 31, 2021	179	179
Surplus	88,529	88,390
Retained earnings	52,965	51,305
Noncontrolling interest in consolidated subsidiaries	1,118	1,179
Accumulated other comprehensive income (loss), net of tax	(5,528)	315
Total stockholders' equity	137,263	141,368
Total liabilities and stockholders' equity	$ 1,689,315	$ 1,644,979