Consolidated Statements of Earnings (Unaudited) - USD ($)	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Interest income:
Interest and fees on loans	$ 16,098,000	$ 14,145,000	$ 46,807,000	$ 40,695,000
Interest on due from banks	608,000	606,000	2,240,000	1,506,000
Interest on investment securities:
U.S. Government sponsored enterprises	2,503,000	2,358,000	7,645,000	6,868,000
State and political subdivisions	695,000	696,000	2,085,000	2,254,000
Other	563,000	501,000	1,570,000	1,383,000
Total interest income	20,467,000	18,306,000	60,347,000	52,706,000
Interest expense:
NOW, MMDA & savings deposits	2,892,000	1,752,000	7,390,000	4,888,000
Time deposits	3,611,000	2,512,000	10,920,000	4,666,000
Junior subordinated debentures	283,000	284,000	850,000	791,000
Other	132,000	418,000	918,000	912
Total interest expense	6,918,000	4,966,000	20,078,000	11,257,000
Net interest income	13,549,000	13,340,000	40,269,000	41,449,000
Provision for (recovery of) credit losses	297,000	562,000	(80,000)	1,161,000
Net interest income after provision for loan losses	13,252,000	12,778,000	40,349,000	40,288,000
Non-interest income:
Service charges	1,515,000	1,412,000	4,201,000	4,081,000
Other service charges and fees	163,000	165,000	527,000	510,000
Gain (loss) on sale of securities, net	5,000	0	5,000	(2,488,000)
Mortgage banking income	138,000	72,000	263,000	204,000
Insurance and brokerage commissions	252,000	291,000	717,000	725,000
Appraisal management fee income	3,073,000	2,785,000	8,668,000	7,469,000
Miscellaneous	1,949,000	2,049,000	6,273,000	6,286,000
Total non-interest income	7,095,000	6,774,000	20,654,000	16,787,000
Non-interest expense:
Salaries and employee benefits	6,602,000	6,722,000	20,409,000	19,508,000
Occupancy	2,446,000	1,988,000	6,662,000	5,983,000
Professional fees	590,000	406,000	1,617,000	1,255,000
Advertising	188,000	217,000	565,000	562,000
Debit card expense	333,000	392,000	1,070,000	947,000
FDIC Insurance	189,000	186,000	572,000	556,000
Appraisal management fee expense	2,436,000	2,182,000	6,863,000	5,881,000
Miscellaneous	2,232,000	2,162,000	6,905,000	6,884,000
Total non-interest expense	15,016,000	14,255,000	44,663,000	41,576,000
Earnings before income taxes	5,331,000	5,297,000	16,340,000	15,499,000
Income tax expense	1,373,000	1,170,000	3,546,000	3,393,000
Net earnings	$ 3,958,000	$ 4,127,000	$ 12,794,000	$ 12,106,000
Basic net earnings per share	$ 0.74	$ 0.76	$ 2.41	$ 2.22
Diluted net earnings per share	0.72	0.74	2.33	2.15
Cash dividends declared per share	$ 0.19	$ 0.19	$ 0.73	$ 0.72