Deposits

The composition of deposits at December 31, 2018 and December 31, 2017 was as follows:



	December 31,
	2018		2017
	(in thousands)
Noninterest bearing demand deposits	$	251,184	$	234,990
Savings and interest bearing demand deposits:
NOW accounts	$	91,549	$	91,288
Money market accounts	140,581		129,497
Regular savings accounts	104,648		102,163
	$	336,778	$	322,948
Time deposits:
Balances of less than $250,000	$	62,063	$	62,681
Balances of $250,000 and more	53,079		42,795
	$	115,142	$	105,476
	$	703,104	$	663,414

Money market accounts include $18.4 million and $20.3 million in reciprocal deposits at December 31, 2018 and 2017, respectively. Time deposits with balances of less than $250,000 include $212 thousand and $210 thousand in reciprocal certificates of deposit at December 31, 2018 and 2017, respectively. There were no time deposits with balances of $250,000 or more in reciprocal certificates of deposit at December 31, 2018 and 2017, respectively.

The outstanding balance of time deposits at December 31, 2018 was due as follows:



	December 31, 2018
	(in thousands)
2019	$	99,562
2020	7,033
2021	5,715
2022	1,732
2023	1,091
Thereafter	9
	$	115,142

Deposit overdrafts reclassified as loans totaled $183 thousand and $115 thousand at December 31, 2018 and 2017, respectively.