CONSOLIDATED BALANCE SHEETS - USD ($)	Mar. 31, 2022	Dec. 31, 2021
ASSETS
Cash and due from banks	$ 8,831,000	$ 9,600,000
Interest-bearing deposits in other banks	1,068,000	51,738,000
Total cash and cash equivalents	9,899,000	61,338,000
Time deposits with other banks		247,000
Debt securities available-for-sale, at fair value	434,881,000	437,916,000
Marketable equity securities, at fair value	1,899,000	1,962,000
Restricted investment in bank stocks, at cost	3,049,000	1,919,000
Loans	774,322,000	746,835,000
Loans held for sale	4,706,000	6,006,000
Allowance for loan losses	(8,937,000)	(8,680,000)
Net loans	770,091,000	744,161,000
Premises and equipment, net	17,994,000	18,158,000
Operating lease right-of-use assets	1,035,000	1,025,000
Accrued interest receivable	4,321,000	4,361,000
Cash surrender value of bank owned life insurance	24,940,000	24,792,000
Investments in low-income housing partnerships	1,462,000	1,530,000
Goodwill	19,133,000	19,133,000
Deferred income taxes	3,922,000
Other assets	4,461,000	3,808,000
TOTAL ASSETS	1,297,087,000	1,320,350,000
LIABILITIES
Non-interest bearing	241,600,000	249,040,000
Interest bearing	803,877,000	828,929,000
Total deposits	1,045,477,000	1,077,969,000
Short-term borrowings	52,331,000	27,377,000
Long-term borrowings	35,000,000	35,000,000
Subordinated debentures	25,000,000	25,000,000
Operating lease liabilities	1,513,000	1,499,000
Accrued interest payable	506,000	251,000
Deferred income taxes		631,000
Other liabilities	3,705,000	4,068,000
TOTAL LIABILITIES	1,163,532,000	1,171,795,000
STOCKHOLDERS' EQUITY
Preferred stock, par value $2.00 per share; authorized 1,000,000 shares as of March 31, 2022 and December 31, 2021; issued 0 as of March 31, 2022 and December 31, 2021	0	0
Common stock, par value $2.00 per share; authorized 20,000,000 shares as of March 31, 2022 and December 31, 2021; issued 6,195,132 as of March 31, 2022 and 6,178,835 as of December 31, 2021; outstanding 5,963,521 as of March 31, 2022 and 5,947,223 as of December 31, 2021	12,390,000	12,358,000
Surplus	41,312,000	40,940,000
Retained earnings	95,256,000	93,378,000
Accumulated other comprehensive (loss) income	(9,694,000)	7,588,000
Treasury stock, at cost, 231,611 shares as of March 31, 2022 and 231,612 shares as of December 31, 2021	(5,709,000)	(5,709,000)
TOTAL STOCKHOLDERS' EQUITY	133,555,000	148,555,000
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$ 1,297,087,000	$ 1,320,350,000