CONSOLIDATED BALANCE SHEET (UNAUDITED) - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022
ASSETS:
Noninterest-bearing balances	$ 26,651	$ 27,390
Interest-bearing balances in other financial institutions	8,939	12,943
Total cash and cash equivalents	35,590	40,333
Investment debt securities, available for sale, at fair value	184,667	193,673
Investment equity securities, at fair value	1,072	1,142
Restricted investment in bank stock	25,289	19,171
Loans held for sale	4,083	3,298
Loans	1,818,461	1,639,731
Allowance for credit losses	(12,890)	(15,637)
Loans, net	1,805,571	1,624,094
Premises and equipment, net	30,746	31,844
Accrued interest receivable	10,500	9,481
Bank-owned life insurance	33,695	34,452
Investment in limited partnerships	8,275	8,656
Goodwill	16,450	16,450
Intangibles	235	327
Operating lease right-of-use asset	2,562	2,651
Deferred tax asset	6,961	6,868
Other assets	10,772	7,640
TOTAL ASSETS	2,176,468	2,000,080
LIABILITIES:
Interest-bearing deposits	1,095,760	1,037,397
Noninterest-bearing deposits	471,507	519,063
Total deposits	1,567,267	1,556,460
Short-term borrowings	193,746	153,349
Long-term borrowings	217,645	102,783
Accrued interest payable	2,716	603
Operating lease liability	2,619	2,708
Other liabilities	17,935	16,512
TOTAL LIABILITIES	2,001,928	1,832,415
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; 7,620,250 and 7,566,810 shares issued; 7,110,025 and 7,056,585 outstanding	42,335	42,039
Additional paid-in capital	55,890	54,252
Retained earnings	104,067	98,147
Accumulated other comprehensive loss:
Net unrealized loss on available for sale securities	(10,886)	(9,819)
Defined benefit plan	(4,051)	(4,139)
Treasury stock at cost, 510,225 shares	(12,815)	(12,815)
TOTAL SHAREHOLDERS' EQUITY	174,540	167,665
TOTAL LIABILITIES AND SHAREHOLDERS’ EQUITY	$ 2,176,468	$ 2,000,080