CONSOLIDATED BALANCE SHEETS - USD ($)	Dec. 31, 2024	Dec. 31, 2023
ASSETS
Cash and due from banks	$ 9,933,000	$ 9,462,000
Interest-bearing deposits in other banks	7,321,000	7,551,000
Total cash and cash equivalents	17,254,000	17,013,000
Debt securities available-for-sale, at fair value	390,288,000	392,968,000
Marketable equity securities, at fair value	1,587,000	1,482,000
Restricted investment in bank stocks, at cost	8,984,000	10,885,000
Loans	947,714,000	910,864,000
Loans held for sale	737,000	214,000
Allowance for credit losses	(7,672,000)	(6,925,000)
Net loans	940,779,000	904,153,000
Premises and equipment, net	20,272,000	19,611,000
Operating lease right-of-use assets	1,400,000	1,472,000
Accrued interest receivable	4,993,000	5,201,000
Cash surrender value of bank owned life insurance	26,679,000	26,010,000
Investments in low-income housing partnerships	5,152,000	5,961,000
Goodwill	0	19,133,000
Deferred income taxes	7,725,000	8,695,000
Other assets	3,470,000	3,286,000
TOTAL ASSETS	1,428,583,000	1,415,870,000
LIABILITIES
Non-interest bearing	203,583,000	198,569,000
Interest bearing	842,297,000	781,870,000
Total deposits	1,045,880,000	980,439,000
Short-term borrowings	134,426,000	153,468,000
Long-term borrowings	106,000,000	122,000,000
Subordinated debentures	25,000,000	25,000,000
Operating lease liabilities	1,920,000	1,976,000
Accrued interest payable	2,152,000	2,823,000
Other liabilities	6,423,000	8,549,000
TOTAL LIABILITIES	1,321,801,000	1,294,255,000
STOCKHOLDERS' EQUITY
Preferred stock, par value $2.00 per share; authorized 1,000,000 shares as of December 31, 2024 and December 31, 2023; issued 0 as of December 31, 2024 and December 31, 2023	0	0
Common stock, par value $2.00 per share; authorized 20,000,000 shares as of December 31, 2024 and December 31, 2023; issued 6,450,392 as of December 31, 2024 and 6,352,665 as of December 31, 2023; outstanding 6,218,781 as of December 31, 2024 and 6,121,054 as of December 31, 2023	12,901,000	12,705,000
Surplus	45,072,000	44,004,000
Retained earnings	80,148,000	100,260,000
Accumulated other comprehensive loss	(25,630,000)	(29,645,000)
Treasury stock, at cost, 231,611 shares as of December 31, 2024 and December 31, 2023	(5,709,000)	(5,709,000)
TOTAL STOCKHOLDERS' EQUITY	106,782,000	121,615,000
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$ 1,428,583,000	$ 1,415,870,000