CONSOLIDATED BALANCE SHEET - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
ASSETS:
Noninterest-bearing balances	$ 23,488	$ 28,969
Interest-bearing balances in other financial institutions	9,055	8,493
Total cash and cash equivalents	32,543	37,462
Investment debt securities, available for sale, at fair value	187,245	190,945
Investment equity securities, at fair value	1,112	1,122
Restricted investment in bank stock	23,420	24,323
Loans held for sale	3,360	3,993
Loans	1,855,347	1,839,764
Allowance for credit losses	(11,542)	(11,446)
Loans, net	1,843,805	1,828,318
Premises and equipment, net	28,970	30,250
Accrued interest receivable	11,344	11,044
Bank-owned life insurance	32,853	33,867
Investment in limited partnerships	7,515	7,815
Goodwill	16,450	16,450
Intangibles	184	210
Operating lease right-of-use asset	2,922	2,512
Deferred tax asset	4,546	4,655
Other assets	13,847	11,843
TOTAL ASSETS	2,210,116	2,204,809
LIABILITIES:
Interest-bearing deposits	1,147,111	1,118,320
Noninterest-bearing deposits	471,451	471,173
Total deposits	1,618,562	1,589,493
Short-term borrowings	111,208	145,926
Long-term borrowings	261,770	252,598
Accrued interest payable	4,174	3,814
Operating lease liability	2,987	2,570
Other liabilities	17,898	18,852
TOTAL LIABILITIES	2,016,599	2,013,253
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; 8,035,597 and 8,019,219 shares issued; 7,525,372 and 7,508,994 outstanding	44,641	44,550
Additional paid-in capital	62,215	61,733
Retained earnings	108,642	107,238
Accumulated other comprehensive loss:
Net unrealized loss on available for sale securities	(6,425)	(6,396)
Defined benefit plan	(2,741)	(2,754)
Treasury stock at cost, 510,225 shares	(12,815)	(12,815)
TOTAL SHAREHOLDERS' EQUITY	193,517	191,556
TOTAL LIABILITIES AND SHAREHOLDERS’ EQUITY	$ 2,210,116	$ 2,204,809