CONSOLIDATED BALANCE SHEETS (UNAUDITED) - USD ($) $ in Thousands	Jun. 30, 2020	Dec. 31, 2019
ASSETS
Cash and noninterest-bearing deposits with banks	$ 13,388	$ 12,812
Interest-bearing deposits with banks	54,863	39,544
Total cash and cash equivalents	68,251	52,356
Certificates of deposit in financial institutions	2,323	2,360
Securities available for sale	114,987	105,318
Securities held to maturity (estimated fair value: 2020 - $12,134; 2019 - $12,404)	11,769	12,033
Restricted investments in bank stocks	7,506	7,506
Total loans	830,832	772,774
Less: Allowance for loan losses	(7,981)	(6,272)
Net loans	822,851	766,502
Premises and equipment, net	21,436	19,217
Premises and equipment held for sale, net	645	653
Other real estate owned, net	226	540
Accrued interest receivable	3,537	2,564
Goodwill	7,319	7,319
Other intangible assets, net	140	174
Bank owned life insurance and annuity assets	35,588	30,596
Operating lease right-of-use asset, net	955	1,053
Other assets	5,462	5,081
Total assets	1,102,995	1,013,272
LIABILITIES
Noninterest-bearing deposits	266,840	222,607
Interest-bearing deposits	645,007	598,864
Total deposits	911,847	821,471
Other borrowed funds	30,110	33,991
Subordinated debentures	8,500	8,500
Operating lease liability	955	1,053
Accrued liabilities	19,762	20,078
Total liabilities	971,174	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	88,006	86,751
Accumulated other comprehensive income	2,915	528
Treasury stock, at cost (659,739 shares)	(15,712)	(15,712)
Total shareholders' equity	131,821	128,179
Total liabilities and shareholders' equity	$ 1,102,995	$ 1,013,272