Consolidated Balance Sheets (Unaudited) - USD ($) $ in Thousands	Sep. 30, 2019	Dec. 31, 2018
Cash and cash equivalents
Cash and due from banks	$ 20,696	$ 23,214
Interest-earning deposits in other banks	58,873	22,350
Total cash and cash equivalents	79,569	45,564
Securities
Available-for-sale, at fair value	89,572	85,528
Held-to-maturity (fair value 2019-$15,192; 2018-$20,118)	15,097	20,688
Equity securities	91	83
Restricted stock, at cost	4,614	4,614
Total securities	109,374	110,913
Loans held for sale	399	108
Loans	566,213	548,974
Less allowance for loan losses	6,776	5,907
Net loans	559,437	543,067
Premises and equipment, net	11,595	9,961
Core deposit intangible	119	167
Goodwill	4,728	4,728
Bank-owned life insurance	16,880	13,554
Accrued interest receivable and other assets	4,691	3,660
TOTAL ASSETS	786,792	731,722
Deposits
Noninterest-bearing	192,620	185,871
Interest-bearing	465,499	420,627
Total deposits	658,119	606,498
Short-term borrowings	35,070	37,415
Other borrowings	6,453	8,525
Accrued interest payable and other liabilities	3,536	2,748
Total liabilities	703,178	655,186
SHAREHOLDERS' EQUITY
Common stock, $6.25 par value. Authorized 9,000,000 shares; issued 2,980,602 shares; outstanding 2,742,350 shares 2019 and 2,742,242 shares 2018	18,629	18,629
Additional paid-in capital	9,815	9,815
Retained earnings	59,915	54,288
Treasury stock at cost: 238,252 shares 2019, 238,360 shares 2018	(4,780)	(4,784)
Accumulated other comprehensive income (loss)	35	(1,412)
Total shareholders' equity	83,614	76,536
TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY	$ 786,792	$ 731,722