CONSOLIDATED BALANCE SHEET (UNAUDITED) - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
ASSETS:
Noninterest-bearing balances	$ 24,418	$ 19,233
Interest-bearing balances in other financial institutions	12,444	194,629
Federal funds sold	0	50,000
Total cash and cash equivalents	36,862	263,862
Investment debt securities, available for sale, at fair value	188,196	166,410
Investment equity securities, at fair value	1,130	1,288
Restricted investment in bank stock	14,539	14,531
Loans held for sale	2,485	3,725
Loans	1,560,700	1,392,147
Allowance for loan losses	(15,211)	(14,176)
Loans, net	1,545,489	1,377,971
Premises and equipment, net	32,227	34,025
Accrued interest receivable	8,647	8,048
Bank-owned life insurance	34,288	33,768
Investment in limited partnerships	4,771	4,607
Goodwill	17,104	17,104
Intangibles	361	480
Operating lease right-of-use asset	2,699	2,851
Deferred tax asset	7,187	2,946
Other assets	9,131	9,193
TOTAL ASSETS	1,905,116	1,940,809
LIABILITIES:
Interest-bearing deposits	1,053,012	1,126,955
Noninterest-bearing deposits	537,403	494,360
Total deposits	1,590,415	1,621,315
Short-term borrowings	30,901	5,747
Long-term borrowings	102,829	125,963
Accrued interest payable	427	651
Operating lease liability	2,753	2,898
Other liabilities	13,302	11,961
TOTAL LIABILITIES	1,740,627	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; 7,563,200 and 7,550,272 shares issued; 7,052,975 and 7,070,047 outstanding	42,019	41,945
Additional paid-in capital	53,958	53,795
Retained earnings	95,896	89,761
Accumulated other comprehensive loss:
Net unrealized (loss) gain on available for sale securities	(11,125)	2,373
Defined benefit plan	(3,444)	(3,485)
Treasury stock at cost, 510,225 and 480,225	(12,815)	(12,115)
TOTAL SHAREHOLDERS' EQUITY	164,489	172,274
TOTAL LIABILITIES AND SHAREHOLDERS’ EQUITY	$ 1,905,116	$ 1,940,809