CONSOLIDATED BALANCE SHEET (UNAUDITED) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
ASSETS:
Noninterest-bearing balances	$ 25,717	$ 19,233
Interest-bearing balances in other financial institutions	143,086	194,629
Federal funds sold	50,000	50,000
Total cash and cash equivalents	218,803	263,862
Investment debt securities, available for sale, at fair value	175,674	166,410
Investment equity securities, at fair value	1,193	1,251
Investment securities, trading	36	37
Restricted investment in bank stock, at fair value	13,795	14,531
Loans held for sale	1,360	3,725
Loans	1,405,966	1,392,147
Allowance for loan losses	(14,023)	(14,176)
Loans, net	1,391,943	1,377,971
Premises and equipment, net	33,259	34,025
Accrued interest receivable	8,129	8,048
Bank-owned life insurance	33,953	33,768
Investment in limited partnerships	4,600	4,607
Goodwill	17,104	17,104
Intangibles	437	480
Operating lease right-of-use asset	2,795	2,851
Deferred tax asset	4,569	2,946
Other assets	9,159	9,193
TOTAL ASSETS	1,916,809	1,940,809
LIABILITIES:
Interest-bearing deposits	1,098,265	1,126,955
Noninterest-bearing deposits	514,130	494,360
Total deposits	1,612,395	1,621,315
Short-term borrowings	6,634	5,747
Long-term borrowings	112,918	125,963
Accrued interest payable	471	651
Operating lease liability	2,847	2,898
Other liabilities	13,117	11,961
TOTAL LIABILITIES	1,748,382	1,768,535
SHAREHOLDERS’ EQUITY:
Preferred stock, no par value, 3,000,000 shares authorized; no shares issued	0	0
Common stock, par value $5.55, 22,500,000 shares authorized; 7,554,567 and 7,550,272 shares issued; 7,074,342 and 7,070,047 outstanding	41,969	41,945
Additional paid-in capital	54,191	53,795
Retained earnings	90,928	89,761
Accumulated other comprehensive loss:
Net unrealized (loss) gain on available for sale securities	(3,074)	2,373
Defined benefit plan	(3,472)	(3,485)
Treasury stock at cost, 480,225	(12,115)	(12,115)
TOTAL SHAREHOLDERS' EQUITY	168,427	172,274
TOTAL LIABILITIES AND SHAREHOLDERS’ EQUITY	$ 1,916,809	$ 1,940,809