CONSOLIDATED BALANCE SHEETS (UNAUDITED) - USD ($) $ in Thousands	Jun. 30, 2021	Dec. 31, 2020
ASSETS
Cash and noninterest-bearing deposits with banks	$ 14,291	$ 14,989
Interest-bearing deposits with banks	110,949	123,314
Total cash and cash equivalents	125,240	138,303
Certificates of deposit in financial institutions	2,255	2,500
Securities available for sale	172,555	112,322
Securities held to maturity (estimated fair value: 2021 - $11,069; 2020 - $10,344)	10,845	10,020
Restricted investments in bank stocks	7,385	7,506
Total loans	847,916	848,664
Less: Allowance for loan losses	(6,799)	(7,160)
Net loans	841,117	841,504
Premises and equipment, net	20,972	21,312
Premises and equipment held for sale, net	443	637
Other real estate owned, net	0	49
Accrued interest receivable	2,987	3,319
Goodwill	7,319	7,319
Other intangible assets, net	85	112
Bank owned life insurance and annuity assets	36,998	35,999
Operating lease right-of-use asset, net	1,095	880
Other assets	7,692	5,150
Total assets	1,236,988	1,186,932
LIABILITIES
Noninterest-bearing deposits	324,576	314,777
Interest-bearing deposits	720,514	678,962
Total deposits	1,045,090	993,739
Other borrowed funds	24,304	27,863
Subordinated debentures	8,500	8,500
Operating lease liability	1,095	880
Accrued liabilities	18,575	19,626
Total liabilities	1,097,564	1,050,608
COMMITMENTS AND CONTINGENT LIABILITIES (See Note 5)
SHAREHOLDERS' EQUITY
Common stock ($1.00 stated value per share, 10,000,000 shares authorized; 2021 - 5,447,185 shares issued; 2020 - 5,447,185 shares issued)	5,447	5,447
Additional paid-in capital	51,165	51,165
Retained earnings	97,369	92,988
Accumulated other comprehensive income	1,155	2,436
Treasury stock, at cost (659,739 shares)	(15,712)	(15,712)
Total shareholders' equity	139,424	136,324
Total liabilities and shareholders' equity	$ 1,236,988	$ 1,186,932