Consolidated Balance Sheets - USD ($) $ in Thousands	Mar. 31, 2025	Dec. 31, 2024
ASSETS
Cash and Due From Banks	$ 32,965	$ 27,422
Interest-Bearing Deposits at Banks	268,481	127,124
Investment Securities:
Available-for-Sale at Fair Value	445,744	463,111
Held-to-Maturity (Fair Value of $96,335 at March 31, 2025 and $96,586 at December 31, 2024)	97,492	98,261
Equity Securities	5,372	5,055
Other Investments	4,353	4,353
Loans	3,416,868	3,394,541
Allowance for Credit Losses	(37,771)	(33,598)
Net Loans	3,379,097	3,360,943
Premises and Equipment, Net	59,919	59,717
Goodwill	23,789	23,789
Other Intangible Assets, Net	1,954	2,058
Other Assets	129,719	134,515
Total Assets	4,448,885	4,306,348
LIABILITIES
Noninterest-Bearing Deposits	697,374	702,978
Interest-Bearing Checking Accounts	924,200	810,834
Savings Deposits	1,532,385	1,520,024
Time Deposits over $250,000	182,552	191,962
Other Time Deposits	631,654	602,132
Total Deposits	3,968,165	3,827,930
Borrowings	8,600	8,600
Junior Subordinated Obligations Issued to Unconsolidated Subsidiary Trusts	20,000	20,000
Finance Leases	4,979	5,005
Other Liabilities	42,732	43,912
Total Liabilities	4,044,476	3,905,447
STOCKHOLDERS’ EQUITY
Preferred Stock, $1 Par Value and 1,000,000 Shares Authorized at March 31, 2025, December 31, 2024 and March 31, 2024	0	0
Common Stock, $1 Par Value; 30,000,000 Shares Authorized (22,066,559 Shares Issued at March 31, 2025 and December 31, 2024)	22,067	22,067
Additional Paid-in Capital	413,469	413,476
Retained Earnings	78,827	77,215
Accumulated Other Comprehensive Loss	(13,520)	(18,453)
Treasury Stock, at Cost (5,397,029 Shares at March 31, 2025 and 5,323,638 Shares at December 31, 2024)	(96,434)	(93,404)
Total Stockholders’ Equity	404,409	400,901
Total Liabilities and Stockholders’ Equity	$ 4,448,885	$ 4,306,348