CONSOLIDATED BALANCE SHEETS - USD ($)	Mar. 31, 2023	Dec. 31, 2022
ASSETS
Cash and due from banks	$ 11,278,000	$ 9,441,000
Interest-bearing deposits in other banks	1,035,000	1,297,000
Total cash and cash equivalents	12,313,000	10,738,000
Debt securities available-for-sale, at fair value	346,270,000	373,444,000
Marketable equity securities, at fair value	1,544,000	1,699,000
Restricted investment in bank stocks, at cost	8,352,000	7,136,000
Loans excluding loans held for sale	862,068,000	858,398,000
Loans held for sale	115,000	71,000
Allowance for credit losses	(7,142,000)	(8,274,000)
Net loans	855,041,000	850,195,000
Premises and equipment, net	19,807,000	19,024,000
Operating lease right-of-use assets	1,548,000	1,541,000
Accrued interest receivable	4,035,000	4,391,000
Cash surrender value of bank owned life insurance	25,538,000	25,389,000
Investments in low-income housing partnerships	4,823,000	3,763,000
Goodwill	19,133,000	19,133,000
Deferred income taxes	7,927,000	9,129,000
Other assets	4,316,000	3,612,000
TOTAL ASSETS	1,310,647,000	1,329,194,000
LIABILITIES
Non-interest bearing	229,621,000	231,754,000
Interest bearing	718,294,000	761,745,000
Total deposits	947,915,000	993,499,000
Short-term Debt	179,907,000	153,418,000
Long-term borrowings	25,000,000	25,000,000
Subordinated debentures	25,000,000	25,000,000
Operating lease liabilities	2,041,000	2,029,000
Accrued interest payable	1,289,000	563,000
Other liabilities	4,469,000	9,299,000
TOTAL LIABILITIES	1,185,621,000	1,208,808,000
STOCKHOLDERS' EQUITY
Preferred stock, par value $2.00 per share; authorized 1,000,000 shares as of March 31, 2023 and December 31, 2022; issued 0 as of March 31, 2023 and December 31, 2022	0	0
Common stock, par value $2.00 per share; authorized 20,000,000 shares as of March 31, 2023 and December 31, 2022; issued 6,250,763 as of March 31, 2023 and 6,178,835 as of December 31, 2022; outstanding 6,019,152 as of March 31, 2023 and 5,947,223 as of December 31, 2022	12,543,000	12,502,000
Surplus	42,820,000	42,439,000
Retained earnings	101,152,000	100,712,000
Accumulated other comprehensive (loss) income	(25,780,000)	(29,558,000)
Treasury stock, at cost, 231,611 shares as of March 31, 2023 and 231,612 shares as of December 31, 2022	(5,709,000)	(5,709,000)
TOTAL STOCKHOLDERS' EQUITY	125,026,000	120,386,000
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$ 1,310,647,000	$ 1,329,194,000