Consolidated Statements of Financial Condition - USD ($)	Sep. 30, 2021	Dec. 31, 2020
Assets
Cash and due from banks	$ 11,995,000	$ 11,868,000
Interest bearing deposits with banks	703,000	19,753,000
Federal funds sold	0	10,000,000
Cash and cash equivalents	12,698,000	41,621,000
Interest bearing time deposits with banks	735,000	735,000
Equity securities	1,111,000	1,091,000
Debt securities available for sale	358,309,000	286,415,000
Restricted investment in bank stock	2,516,000	3,423,000
Total loans	411,764,000	422,661,000
Less: Allowance for loan losses	(3,725,000)	(4,094,000)
Total loans, net of allowance for loan losses	408,039,000	418,567,000
Premises and equipment, net	8,423,000	8,808,000
Other real estate owned	110,000	0
Bank owned life insurance and annuities	16,790,000	16,568,000
Investment in low income housing partnerships	2,505,000	3,105,000
Core deposit and other intangible assets	192,000	241,000
Goodwill	9,047,000	9,047,000
Mortgage servicing rights	128,000	158,000
Accrued interest receivable and other assets	6,521,000	3,939,000
Total assets	827,124,000	793,718,000
Liabilities:
Deposits: Non-interest bearing	181,735,000	168,115,000
Deposits: Interest bearing	525,847,000	454,751,000
Total deposits	707,582,000	622,866,000
Short-term borrowings and repurchase agreements	4,804,000	24,750,000
Federal Reserve Bank ("FRB") advances	0	27,955,000
Long-term debt	35,000,000	35,000,000
Other interest bearing liabilities	1,538,000	1,584,000
Accrued interest payable and other liabilities	5,097,000	4,966,000
Total liabilities	754,021,000	717,121,000
Commitments and contingent liabilities
Stockholders' Equity:
Preferred stock, no par value: Authorized - 500,000 shares, none issued	0	0
Common stock, par value $1.00 per share: Authorized 20,000,000 shares Issued - 5,151,279 shares at September 30, 2021; 5,151,279 shares at December 31, 2020 Outstanding - 5,000,026 shares at September 30, 2021; 5,025,441 shares at December 31, 2020	5,151,000	5,151,000
Surplus	24,960,000	25,011,000
Retained earnings	47,063,000	45,096,000
Accumulated other comprehensive income	(1,455,000)	3,518,000
Cost of common stock in Treasury: 151,253 shares at September 30, 2021; 125,838 shares at December 31, 2020	(2,616,000)	(2,179,000)
Total stockholders' equity	73,103,000	76,597,000
Total liabilities and stockholders' equity	$ 827,124,000	$ 793,718,000