Consolidated Statements of Financial Condition - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
ASSETS
Cash and due from banks	$ 13,325	$ 12,928
Interest bearing deposits with banks	102	598
Cash and cash equivalents	13,427	13,526
Interest bearing time deposits with banks	0	735
Equity securities	1,014	1,124
Debt securities available for sale	287,251	335,424
Restricted investment in bank stock	3,104	2,116
Total loans	462,430	418,303
Less: Allowance for loan losses	(3,905)	(3,508)
Total loans, net of allowance for loan losses	458,525	414,795
Premises and equipment, net	8,254	8,371
Other real estate owned	30	87
Bank owned life insurance and annuities	15,139	16,852
Investment in low income housing partnerships	1,706	2,306
Core deposit and other intangible assets	134	175
Goodwill	9,047	9,047
Mortgage servicing rights	96	120
Deferred tax asset	12,279	1,585
Accrued interest receivable and other assets	5,243	4,255
Total assets	815,249	810,518
Liabilities:
Deposits: Non-interest bearing	202,493	182,022
Deposits: Interest bearing	515,341	526,425
Total deposits	717,834	708,447
Short-term borrowings and repurchase agreements	35,869	4,227
Long-term debt	20,000	20,000
Other interest bearing liabilities	995	1,568
Accrued interest payable and other liabilities	5,646	4,986
Total liabilities	780,344	739,228
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, 2022 and December 31, 2021; Outstanding - 5,003,059 shares at September 30, 2022 and 4,988,542 shares at December 31, 2021	5,151	5,151
Surplus	24,956	25,008
Retained earnings	50,216	47,298
Accumulated other comprehensive loss	(42,880)	(3,365)
Cost of common stock in Treasury: 148,220 shares at September 30, 2022; 162,737 shares at December 31, 2021	(2,538)	(2,802)
Total stockholders' equity	34,905	71,290
Total liabilities and stockholders' equity	$ 815,249	$ 810,518