CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
ASSETS
Cash and due from banks	$ 5,064	$ 17,189
Interest bearing deposits with banks	5,934	11,741
Cash and cash equivalents	10,998	28,930
Equity securities	1,189	1,073
Debt securities available for sale	64,623	67,564
Debt securities held to maturity (fair value $182,773 and $198,147, respectively)	191,627	200,644
Restricted investment in bank stock	2,530	1,707
Total loans	533,869	525,394
Less: Allowance for credit losses	(6,183)	(5,677)
Total loans, net of allowance for credit losses	527,686	519,717
Premises and equipment, net	9,382	8,180
Bank owned life insurance and annuities	15,214	14,841
Investment in low income housing partnerships	832	1,154
Core deposit and other intangible assets	258	343
Goodwill	9,812	9,812
Mortgage servicing rights	69	83
Deferred tax asset, net	9,842	11,319
Accrued interest receivable and other assets	4,812	5,188
Total assets	848,874	870,555
Liabilities:
Non-interest bearing	196,801	197,027
Interest bearing	551,156	552,018
Total deposits	747,957	749,045
Short-term borrowings and repurchase agreements	42,242	52,810
Long-term debt	5,000	20,000
Other interest bearing liabilities	830	951
Accrued interest payable and other liabilities	5,388	7,612
Total liabilities	801,417	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 December 31, 2024 and December 31, 2023; Outstanding - 5,003,384 shares at December 31, 2024 and 4,991,129 shares at December 31, 2023	5,151	5,151
Surplus	24,896	24,924
Retained earnings	53,126	51,297
Accumulated other comprehensive loss	(33,320)	(38,640)
Cost of common stock in Treasury: 147,895 shares at December 31, 2024; 160,150 shares at December 31, 2023	(2,396)	(2,595)
Total stockholders' equity	47,457	40,137
Total liabilities and stockholders' equity	$ 848,874	$ 870,555