Consolidated Statements of Financial Condition - USD ($) $ in Thousands	Jun. 30, 2024	Dec. 31, 2023
ASSETS
Cash and due from banks	$ 5,834	$ 17,189
Interest bearing deposits with banks	5,105	11,741
Cash and cash equivalents	10,939	28,930
Equity securities	1,070	1,073
Debt securities available for sale	65,269	67,564
Debt securities held to maturity (fair value $189,232 and $198,147, respectively)	196,311	200,644
Restricted investment in bank stock	2,350	1,707
Total loans	541,413	525,394
Less: Allowance for credit losses	(5,899)	(5,677)
Total loans, net of allowance for credit losses	535,514	519,717
Premises and equipment, net	9,258	8,180
Bank owned life insurance and annuities	14,964	14,841
Investment in low income housing partnerships	993	1,154
Core deposit and other intangible assets	301	343
Goodwill	9,812	9,812
Mortgage servicing rights	79	83
Deferred tax asset	10,713	11,319
Accrued interest receivable and other assets	5,104	5,188
Total assets	862,677	870,555
Liabilities:
Non-interest bearing	198,119	197,027
Interest bearing	547,059	552,018
Total deposits	745,178	749,045
Short-term borrowings and repurchase agreements	61,390	52,810
Long-term debt	5,000	20,000
Other interest bearing liabilities	892	951
Accrued interest payable and other liabilities	6,880	7,612
Total liabilities	819,340	830,418
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 June 30, 2024 and December 31, 2023; Outstanding - 5,003,384 shares at June 30, 2024 and 4,991,129 shares at December 31, 2023	5,151	5,151
Surplus	24,824	24,924
Retained earnings	52,201	51,297
Accumulated other comprehensive loss	(36,443)	(38,640)
Cost of common stock in Treasury: 147,895 shares at June 30, 2024; 160,150 shares at December 31, 2023	(2,396)	(2,595)
Total stockholders' equity	43,337	40,137
Total liabilities and stockholders' equity	$ 862,677	$ 870,555