CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Assets
Cash and due from banks	$ 4,659	$ 5,413
Federal funds sold and overnight deposits	61,263	117,358
Cash and cash equivalents	65,922	122,771
Interest bearing deposits in banks	13,196	12,699
Investment securities available-for-sale	267,819	105,763
Other investments	1,132	1,047
Total investments	268,951	106,810
Loans held for sale	13,829	32,188
Loans	787,050	771,169
Allowance for loan losses	(8,336)	(8,271)
Net deferred loan costs (fees)	705	(146)
Net loans	779,419	762,752
Premises and equipment, net	21,615	20,039
Company-owned life insurance	18,764	12,640
Other assets	23,677	23,655
Total assets	1,205,373	1,093,554
Deposits
Noninterest bearing	264,888	215,245
Interest bearing	723,479	637,369
Time	106,715	141,688
Total deposits	1,095,082	994,302
Borrowed funds	0	7,164
Subordinated notes	16,171	0
Accrued interest and other liabilities	9,779	11,221
Total liabilities	1,121,032	1,012,687
Commitments and Contingencies (Notes 9, 16, 17, 19, 20 and 23)
Stockholders’ Equity
Common stock, $2.00 par value; 7,500,000 shares authorized; 4,967,093 shares issued at December 31, 2021 and 4,954,732 shares issued at December 31, 2020	9,934	9,910
Additional-paid-in capital	1,769	1,393
Retained earnings	78,350	71,097
Treasury stock at cost; 473,438 shares at December 31, 2021 and 474,632 shares at December 31, 2020	(4,160)	(4,169)
Accumulated other comprehensive (loss) income	(1,552)	2,636
Total stockholders' equity	84,341	80,867
Total liabilities and stockholders' equity	$ 1,205,373	$ 1,093,554