CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
ASSETS
Cash and due from banks	$ 19,930	$ 21,665
Interest-bearing deposits in other banks	138,519	73,274
Total cash and cash equivalents	158,449	94,939
Securities available for sale (at fair value)	558,093	476,428
Equity securities (at fair value)	8,982	7,105
Loans held for sale	3,194	3,029
Loans (net of unearned income)	920,904	823,370
Less: Allowance for credit losses	12,931	12,327
Net loans	907,973	811,043
Premises and equipment	24,476	24,760
Regulatory stock	5,380	6,107
Bank owned life insurance	35,414	29,646
Other assets	15,269	9,256
Total assets	1,717,230	1,462,313
Deposits:
Noninterest-bearing	686,278	534,853
Interest-bearing	825,935	717,958
Total deposits	1,512,213	1,252,811
Long-term debt	44,206	54,790
Subordinated debt	19,680	19,601
Other liabilities	3,843	4,895
Total liabilities	1,579,942	1,332,097
Stockholders' equity:
Common stock, par value $0.10 Shares: Authorized 24,000,000 Issued 5,739,114 and Outstanding 5,583,956 as of 12/31/21 and 5,566,230 as of 12/31/20	574	574
Capital surplus	4,520	4,444
Retained earnings	131,856	120,670
Accumulated other comprehensive income net of tax	3,441	7,958
Less: Treasury stock cost on 155,158 shares as of 12/31/21 172,884 shares as of 12/31/20	(3,103)	(3,430)
Total stockholders' equity	137,288	130,216
Total liabilities and stockholders' equity	$ 1,717,230	$ 1,462,313