Consolidated Balance Sheets - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
ASSETS
Cash and due from banks	$ 11,262	$ 10,577
Interest-bearing deposits at banks	40,706	28,280
Securities:
Available for sale, at fair value (amortized cost: $156,011 at March 31, 2020; $127,217 at December 31, 2019)	159,191	127,922
Held to maturity, at amortized cost (fair value: $2,963 at March 31, 2020; $2,392 at December 31, 2019)	2,847	2,386
Federal Home Loan Bank common stock, at cost	1,588	1,588
Federal Reserve Bank common stock, at cost	1,961	1,956
Loans, net of allowance for loan losses of $18,157 at March 31, 2020 and $15,175 at December 31, 2019	1,228,049	1,211,356
Properties and equipment, net of accumulated depreciation of $20,998 at March 31, 2020 and $20,682 at December 31, 2019	13,951	13,754
Goodwill and intangible assets	13,421	12,545
Bank-owned life insurance	29,578	29,418
Operating lease right-of-use asset	3,577	3,720
Other assets	18,680	16,728
TOTAL ASSETS	1,524,811	1,460,230
Deposits:
Demand	273,623	263,717
NOW	159,223	140,654
Savings	625,773	587,142
Time	268,978	275,927
Total deposits	1,327,597	1,267,440
Securities sold under agreement to repurchase	2,572	2,425
Other borrowings	10,000	10,000
Operating lease liability	4,002	4,154
Other liabilities	21,214	16,428
Junior subordinated debentures	11,330	11,330
Total liabilities	1,376,715	1,311,777
STOCKHOLDERS' EQUITY:
Common stock, $.50 par value, 10,000,000 shares authorized; 4,942,802 and 4,929,593 shares issued at March 31, 2020 and December 31, 2019, respectively, and 4,942,802 and 4,929,283 outstanding at March 31, 2020 and December 31, 2019, respectively	2,474	2,467
Capital surplus	63,679	63,302
Treasury stock, at cost, 0 and 310 shares at March 31, 2020 and December 31, 2019, respectively
Retained earnings	82,604	85,267
Accumulated other comprehensive loss, net of tax	(661)	(2,583)
Total stockholders' equity	148,096	148,453
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$ 1,524,811	$ 1,460,230