Consolidated Statements of Financial Condition - USD ($)	Dec. 31, 2022	Dec. 31, 2021
ASSETS
Cash and due from banks	$ 10,856,000	$ 12,928,000
Interest bearing deposits with banks	143,000	598,000
Cash and cash equivalents	10,999,000	13,526,000
Interest bearing time deposits with banks	0	735,000
Equity securities	1,056,000	1,124,000
Debt securities available for sale	73,536,000	335,424,000
Debt securities held to maturity (fair value 2022 - $209,887, 2021 - $0)	209,565,000	0
Restricted investment in bank stock	3,666,000	2,116,000
Total loans	484,512,000	418,303,000
Less: Allowance for loan losses	(4,027,000)	(3,508,000)
Total loans, net of allowance for loan losses	480,485,000	414,795,000
Premises and equipment, net	8,190,000	8,371,000
Other real estate owned	0	87,000
Bank owned life insurance and annuities	15,197,000	16,852,000
Investment in low income housing partnerships	1,507,000	2,306,000
Core deposit and other intangible assets	121,000	175,000
Goodwill	9,047,000	9,047,000
Mortgage servicing rights	92,000	120,000
Deferred tax asset	11,838,000	1,594,000
Accrued interest receivable and other assets	5,576,000	4,246,000
Total assets	830,875,000	810,518,000
Liabilities:
Non-interest bearing	199,131,000	182,022,000
Interest bearing	512,381,000	526,425,000
Total deposits	711,512,000	708,447,000
Short-term borrowings and repurchase agreements	55,710,000	4,227,000
Long-term debt	20,000,000	20,000,000
Other interest bearing liabilities	1,011,000	1,568,000
Accrued interest payable and other liabilities	5,693,000	4,986,000
Total liabilities	793,926,000	739,228,000
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 December 31, 2022 and December 31, 2021; Outstanding - 5,003,059 shares at December 31, 2022 and 4,988,542 shares at December 31, 2021	5,151,000	5,151,000
Surplus	24,986,000	25,008,000
Retained earnings	51,217,000	47,298,000
Accumulated other comprehensive loss	(41,867,000)	(3,365,000)
Cost of common stock in Treasury: 148,220 shares at December 31, 2022; 162,737 shares at December 31, 2021	(2,538,000)	(2,802,000)
Total stockholders' equity	36,949,000	71,290,000
Total liabilities and stockholders' equity	$ 830,875,000	$ 810,518,000