Consolidated Balance Sheets - USD ($)	Mar. 31, 2024	Dec. 31, 2023
Assets
Cash and due from banks	$ 13,073,000	$ 10,383,000
Federal funds sold	19,323,000	7,331,000
Total cash and cash equivalents	32,396,000	17,714,000
Investment securities available for sale, at fair value	82,784,000	105,585,000
Restricted stock, at cost	2,755,000	2,985,000
Loans held for sale	7,019,000	4,983,000
Loans
Allowance for credit losses	(3,574,000)	(3,423,000)
Loans
Outstandings	591,338,000	575,008,000
Allowance for credit losses	(3,574,000)	(3,423,000)
Deferred costs, net	750,000	803,000
Total loans, net	588,514,000	572,388,000
Premises and equipment, net	11,773,000	11,760,000
Bank owned life insurance	13,198,000	13,120,000
Accrued interest receivable	3,531,000	3,827,000
Other assets	4,902,000	4,254,000
Total Assets	746,872,000	736,616,000
Deposits
Noninterest bearing demand	230,118,000	247,624,000
Interest bearing	390,151,000	357,721,000
Total deposits	620,269,000	605,345,000
Long-term debt - trust preferred securities	8,764,000	8,764,000
Subordinated debt, net	5,700,000	5,700,000
Federal Home Loan Bank advances	40,000,000	45,000,000
Accrued interest payable	406,000	210,000
Other liabilities	3,375,000	4,041,000
Total liabilities	678,514,000	669,060,000
Shareholders' equity
Common stock, $4 par value, 10,000,000 shares authorized; 1,495,251 shares issued and outstanding at March 31, 2024 and 1,492,879 shares issued and outstanding at December 31, 2023	5,918,000	5,908,000
Additional paid-in capital	55,557,000	55,486,000
Retained earnings	13,278,000	11,775,000
Stock in directors rabbi trust	(439,000)	(467,000)
Directors deferred fees obligation	439,000	467,000
Accumulated other comprehensive loss	(6,395,000)	(5,613,000)
Total shareholders' equity	68,358,000	67,556,000
Total liabilities and shareholders' equity	$ 746,872,000	$ 736,616,000