CONSOLIDATED STATEMENTS OF INCOME - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2026	Mar. 31, 2025
INTEREST INCOME
Interest and fees on loans	$ 14,125	$ 13,769
Interest and dividend income on securities:
Taxable	3,638	3,933
Tax-exempt	209	244
Dividends	14	12
Dividend income on restricted investment in bank stocks	201	199
Interest on interest-bearing deposits in other banks	1,055	53
Total interest income	19,242	18,210
INTEREST EXPENSE
Interest on deposits	6,910	6,386
Interest on short-term borrowings	1,482	1,557
Interest on long-term borrowings	1,224	1,224
Interest on subordinated debt	495	273
Total interest expense	10,111	9,440
Net interest income	9,131	8,770
(Recovery of) provision for credit losses	(390)	751
Net interest income after provision for credit losses	9,521	8,019
NON-INTEREST INCOME
Increase in cash surrender value of life insurance	170	165
ATM fees and debit card income	544	543
Net gains on sales of mortgage loans	46	20
Net securities gains (losses)	174	(86)
Gains from life insurance proceeds		235
Other	52	75
Total non-interest income	1,813	1,759
NON-INTEREST EXPENSE
Salaries and employee benefits	4,967	4,630
Occupancy, net	641	610
Furniture and equipment expense	216	192
Computer expense	554	413
Professional services	463	378
Pennsylvania shares tax	271	221
FDIC insurance, net	323	309
ATM and debit card fees	262	247
Data processing fees	391	357
Advertising	82	105
Other	1,003	1,187
Total non-interest expense	9,173	8,649
Income before income tax expense	2,161	1,129
Income tax expense	202	76
NET INCOME	$ 1,959	$ 1,053
Net income per share:
Basic	$ 0.31	$ 0.17
Diluted	0.31	0.17
Dividends per share	$ 0.28	$ 0.28
Trust department
NON-INTEREST INCOME
Non-interest income	$ 286	$ 261
Service charges and fees
NON-INTEREST INCOME
Non-interest income	$ 541	$ 546