CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
ASSETS
Cash and due from banks	$ 2,658	$ 2,420
Interest-bearing deposits in other financial institutions	15,413	10,870
Cash and Cash Equivalents	18,071	13,290
Investment securities available for sale, at fair value	70,172	71,486
Restricted equity securities, at cost	1,199	1,437
Loans, net of deferred fees and costs	276,960	284,738
Less: Allowance for loan losses	(1,918)	(2,066)
Loans, net	275,042	282,672
Real estate acquired through foreclosure	705	705
Premises and equipment, net	3,900	3,761
Bank owned life insurance	8,062	8,023
Deferred tax assets, net	611	672
Accrued interest receivable	970	961
Accrued taxes receivable	1,174	1,221
Prepaid expenses	374	406
Other assets	220	308
Total Assets	380,500	384,942
LIABILITIES
Noninterest-bearing deposits	113,264	107,158
Interest-bearing deposits	208,516	214,282
Total Deposits	321,780	321,440
Short-term borrowings	20,000	25,000
Defined pension liability	323	317
Accrued expenses and other liabilities	2,540	2,505
Total Liabilities	344,643	349,262
STOCKHOLDERS' EQUITY
Common stock, par value $1, authorized 15,000,000 shares, issued and outstanding 2,824,412 and 2,814,157 shares as of March 31, 2020 and December 31, 2019, respectively.	2,830	2,827
Additional paid-in capital	10,554	10,525
Retained earnings	22,522	22,537
Accumulated other comprehensive loss	(49)	(209)
Total Stockholders' Equity	35,857	35,680
Total Liabilities and Stockholders' Equity	$ 380,500	$ 384,942