CONSOLIDATED BALANCE SHEETS - USD ($)	Dec. 31, 2023	Dec. 31, 2022
ASSETS
Cash and due from banks	$ 9,462,000	$ 9,441,000
Interest-bearing deposits in other banks	7,551,000	1,297,000
Total cash and cash equivalents	17,013,000	10,738,000
Debt securities available-for-sale, at fair value	392,968,000	373,444,000
Marketable equity securities, at fair value	1,482,000	1,699,000
Restricted investment in bank stocks, at cost	10,885,000	7,136,000
Loans	910,864,000	858,398,000
Loans held for sale	214,000	71,000
Allowance for credit losses	(6,925,000)	(8,274,000)
Net loans	904,153,000	850,195,000
Premises and equipment, net	19,611,000	19,024,000
Operating lease right-of-use assets	1,472,000	1,541,000
Accrued interest receivable	5,201,000	4,391,000
Cash surrender value of bank owned life insurance	26,010,000	25,389,000
Investments in low-income housing partnerships	5,961,000	3,763,000
Goodwill	19,133,000	19,133,000
Deferred income taxes	8,695,000	9,129,000
Other assets	3,286,000	3,612,000
TOTAL ASSETS	1,415,870,000	1,329,194,000
LIABILITIES
Non-interest bearing	198,569,000	231,754,000
Interest bearing	781,870,000	761,745,000
Total deposits	980,439,000	993,499,000
Short-term borrowings	153,468,000	153,418,000
Long-term borrowings	122,000,000	25,000,000
Subordinated debentures	25,000,000	25,000,000
Operating lease liabilities	1,976,000	2,029,000
Accrued interest payable	2,823,000	563,000
Other liabilities	8,549,000	9,299,000
TOTAL LIABILITIES	1,294,255,000	1,208,808,000
STOCKHOLDERS' EQUITY
Preferred stock, par value $2.00 per share; authorized 1,000,000 shares as of December 31, 2023 and December 31, 2022; issued 0 as of December 31, 2023 and December 31, 2022	0	0
Common stock, par value $2.00 per share; authorized 20,000,000 shares as of December 31, 2023 and December 31, 2022; issued 6,322,772 as of December 31, 2023 and 6,352,665 as of December 31, 2022; outstanding 6,091,161 as of December 31, 2023 and 6,121,054 as of December 31, 2022	12,705,000	12,502,000
Surplus	44,004,000	42,439,000
Retained earnings	100,260,000	100,712,000
Accumulated other comprehensive loss	(29,645,000)	(29,558,000)
Treasury stock, at cost, 231,611 shares as of December 31, 2023 and December 31, 2022	(5,709,000)	(5,709,000)
TOTAL STOCKHOLDERS' EQUITY	121,615,000	120,386,000
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$ 1,415,870,000	$ 1,329,194,000