Consolidated Statements of Financial Condition - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
ASSETS
Cash and due from banks	$ 6,152	$ 17,189
Interest bearing deposits with banks	5,783	11,741
Cash and cash equivalents	11,935	28,930
Equity securities	1,139	1,073
Debt securities available for sale	66,299	67,564
Debt securities held to maturity (fair value $189,232 and $198,147, respectively)	193,762	200,644
Restricted investment in bank stock	1,885	1,707
Total loans	538,250	525,394
Less: Allowance for credit losses	(6,124)	(5,677)
Total loans, net of allowance for credit losses	532,126	519,717
Premises and equipment, net	9,514	8,180
Bank owned life insurance and annuities	15,038	14,841
Investment in low income housing partnerships	912	1,154
Core deposit and other intangible assets	279	343
Goodwill	9,812	9,812
Mortgage servicing rights	76	83
Deferred tax asset	9,950	11,319
Accrued interest receivable and other assets	5,229	5,188
Total assets	857,956	870,555
Liabilities:
Non-interest bearing	197,474	197,027
Interest bearing	555,440	552,018
Total deposits	752,914	749,045
Short-term borrowings and repurchase agreements	45,721	52,810
Long-term debt	5,000	20,000
Other interest bearing liabilities	823	951
Accrued interest payable and other liabilities	6,956	7,612
Total liabilities	811,414	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	24,860	24,924
Retained earnings	52,736	51,297
Accumulated other comprehensive loss	(33,809)	(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	46,542	40,137
Total liabilities and stockholders' equity	$ 857,956	$ 870,555