Consolidated Balance Sheets (Current Period Unaudited) - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
ASSETS
Cash and noninterest-bearing deposits with banks	$ 16,023	$ 12,812
Interest-bearing deposits with banks	50,648	39,544
Total cash and cash equivalents	66,671	52,356
Certificates of deposit in financial institutions	2,360	2,360
Securities available for sale	112,191	105,318
Securities held to maturity (estimated fair value: 2020 - $12,115; 2019 - $12,404)	11,808	12,033
Restricted investments in bank stocks	7,506	7,506
Total loans	775,086	772,774
Less: Allowance for loan losses	(8,729)	(6,272)
Net loans	766,357	766,502
Premises and equipment, net	20,970	19,217
Premises and equipment held for sale, net	649	653
Other real estate owned, net	325	540
Accrued interest receivable	2,650	2,564
Goodwill	7,319	7,319
Other intangible assets, net	157	174
Bank owned life insurance and annuity assets	30,813	30,596
Operating lease right-of-use asset, net	998	1,053
Other assets	5,067	5,081
Total assets	1,035,841	1,013,272
LIABILITIES
Noninterest-bearing deposits	213,262	222,607
Interest-bearing deposits	632,617	598,864
Total deposits	845,879	821,471
Other borrowed funds	32,459	33,991
Subordinated debentures	8,500	8,500
Operating lease liability	998	1,053
Accrued liabilities	17,509	20,078
Total liabilities	905,345	885,093
COMMITMENTS AND CONTINGENT LIABILITIES (See Note 5)
SHAREHOLDERS’ EQUITY
Common stock ($1.00 stated value per share, 10,000,000 shares authorized; 2020 - 5,447,185 shares issued; 2019 - 5,447,185 shares issued)	5,447	5,447
Additional paid-in capital	51,165	51,165
Retained earnings	86,748	86,751
Accumulated other comprehensive income	2,848	528
Treasury stock, at cost (659,739 shares)	(15,712)	(15,712)
Total shareholders’ equity	130,496	128,179
Total liabilities and shareholders’ equity	$ 1,035,841	$ 1,013,272