CONSOLIDATED BALANCE SHEETS - USD ($)	Sep. 30, 2024	Dec. 31, 2023
ASSETS
Cash and due from banks	$ 13,937,000	$ 9,462,000
Interest-bearing deposits in other banks	10,087,000	7,551,000
Total cash and cash equivalents	24,024,000	17,013,000
Debt securities available-for-sale, at fair value	405,081,000	392,968,000
Marketable equity securities, at fair value	1,434,000	1,482,000
Restricted investment in bank stocks, at cost	10,765,000	10,885,000
Loans	934,173,000	910,864,000
Loans held for sale	426,000	214,000
Allowance for credit losses	(7,657,000)	(6,925,000)
Net loans	926,942,000	904,153,000
Premises and equipment, net	20,365,000	19,611,000
Operating lease right-of-use assets	1,427,000	1,472,000
Accrued interest receivable	5,259,000	5,201,000
Cash surrender value of bank owned life insurance	26,508,000	26,010,000
Investments in low-income housing partnerships	5,357,000	5,961,000
Goodwill	0	19,133,000
Deferred income taxes	7,305,000	8,695,000
Other assets	4,226,000	3,286,000
TOTAL ASSETS	1,438,693,000	1,415,870,000
LIABILITIES
Non-interest bearing	212,037,000	198,569,000
Interest bearing	807,872,000	781,870,000
Total deposits	1,019,909,000	980,439,000
Short-term borrowings	167,475,000	153,468,000
Long-term borrowings	102,000,000	122,000,000
Subordinated debentures	25,000,000	25,000,000
Operating lease liabilities	1,943,000	1,976,000
Accrued interest payable	2,590,000	2,823,000
Other liabilities	12,432,000	8,549,000
TOTAL LIABILITIES	1,331,349,000	1,294,255,000
STOCKHOLDERS' EQUITY
Preferred stock, par value $2.00 per share; authorized 1,000,000 shares as of September 30, 2024 and December 31, 2023; issued 0 as of September 30, 2024 and December 31, 2023	0	0
Common stock, par value $2.00 per share; authorized 20,000,000 shares as of September 30, 2024 and December 31, 2023; issued 6,417,006 as of September 30, 2024 and 6,352,665 as of December 31, 2023; outstanding 6,185,395 as of September 30, 2024 and 6,121,054 as of December 31, 2023	12,834,000	12,705,000
Surplus	44,740,000	44,004,000
Retained earnings	79,601,000	100,260,000
Accumulated other comprehensive loss	(24,122,000)	(29,645,000)
Treasury stock, at cost, 231,611 shares as of September 30, 2024 and December 31, 2023	(5,709,000)	(5,709,000)
TOTAL STOCKHOLDERS' EQUITY	107,344,000	121,615,000
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$ 1,438,693,000	$ 1,415,870,000