CONSOLIDATED BALANCE SHEETS - USD ($)	Jun. 30, 2023	Dec. 31, 2022
ASSETS
Cash and due from banks	$ 12,597,000	$ 9,441,000
Interest-bearing deposits in other banks	1,178,000	1,297,000
Total cash and cash equivalents	13,775,000	10,738,000
Debt securities available-for-sale, at fair value	331,580,000	373,444,000
Marketable equity securities, at fair value	1,476,000	1,699,000
Restricted investment in bank stocks, at cost	8,617,000	7,136,000
Loans	871,239,000	858,398,000
Loans held for sale	0	71,000
Allowance for credit losses	(7,157,000)	(8,274,000)
Net loans	864,082,000	850,195,000
Premises and equipment, net	19,764,000	19,024,000
Operating lease right-of-use assets	1,523,000	1,541,000
Accrued interest receivable	4,173,000	4,391,000
Cash surrender value of bank owned life insurance	25,691,000	25,389,000
Investments in low-income housing partnerships	5,491,000	3,763,000
Goodwill	19,133,000	19,133,000
Deferred income taxes	8,879,000	9,129,000
Other assets	3,715,000	3,612,000
TOTAL ASSETS	1,307,899,000	1,329,194,000
LIABILITIES
Non-interest bearing	220,519,000	231,754,000
Interest bearing	715,322,000	761,745,000
Total deposits	935,841,000	993,499,000
Short-term borrowings	193,359,000	153,418,000
Long-term borrowings	25,000,000	25,000,000
Subordinated debentures	25,000,000	25,000,000
Operating lease liabilities	2,019,000	2,029,000
Accrued interest payable	1,171,000	563,000
Other liabilities	4,324,000	9,299,000
TOTAL LIABILITIES	1,186,714,000	1,208,808,000
STOCKHOLDERS' EQUITY
Preferred stock, par value $2.00 per share; authorized 1,000,000 shares as of June 30, 2023 and December 31, 2022; issued 0 as of June 30, 2023 and December 31, 2022	0	0
Common stock, par value $2.00 per share; authorized 20,000,000 shares as of June 30, 2023 and December 31, 2022; issued 6,296,383 as of June 30, 2023 and 6,250,763 as of December 31, 2022; outstanding 6,064,772 as of June 30, 2023 and 6,019,152 as of December 31, 2022	12,593,000	12,502,000
Surplus	43,217,000	42,439,000
Retained earnings	100,600,000	100,712,000
Accumulated other comprehensive loss	(29,516,000)	(29,558,000)
Treasury stock, at cost, 231,611 shares as of June 30, 2023 and December 31, 2022	(5,709,000)	(5,709,000)
TOTAL STOCKHOLDERS' EQUITY	121,185,000	120,386,000
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$ 1,307,899,000	$ 1,329,194,000