CONSOLIDATED BALANCE SHEETS (UNAUDITED) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
ASSETS
Cash and noninterest-bearing deposits with banks	$ 13,745	$ 12,812
Interest-bearing deposits with banks	69,809	39,544
Total cash and cash equivalents	83,554	52,356
Certificates of deposit in financial institutions	2,745	2,360
Securities available for sale	110,349	105,318
Securities held to maturity (estimated fair value: 2020 - $12,022; 2019 - $12,404)	11,674	12,033
Restricted investments in bank stocks	7,506	7,506
Total loans	853,038	772,774
Less: Allowance for loan losses	(7,730)	(6,272)
Net loans	845,308	766,502
Premises and equipment, net	21,332	19,217
Premises and equipment held for sale, net	641	653
Other real estate owned, net	96	540
Accrued interest receivable	3,779	2,564
Goodwill	7,319	7,319
Other intangible assets, net	125	174
Bank owned life insurance and annuity assets	35,796	30,596
Operating lease right-of-use asset, net	918	1,053
Other assets	6,796	5,081
Total assets	1,137,938	1,013,272
LIABILITIES
Noninterest-bearing deposits	270,086	222,607
Interest-bearing deposits	674,898	598,864
Total deposits	944,984	821,471
Other borrowed funds	29,321	33,991
Subordinated debentures	8,500	8,500
Operating lease liability	918	1,053
Accrued liabilities	21,317	20,078
Total liabilities	1,005,040	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	89,294	86,751
Accumulated other comprehensive income	2,704	528
Treasury stock, at cost (659,739 shares)	(15,712)	(15,712)
Total shareholders' equity	132,898	128,179
Total liabilities and shareholders' equity	$ 1,137,938	$ 1,013,272