CONSOLIDATED BALANCE SHEET - USD ($) $ in Thousands		Mar. 31, 2024	Dec. 31, 2023
Cash and due from banks:
Noninterest-bearing		$ 14,047	$ 37,733
Interest-bearing		15,572	15,085
Total cash and cash equivalents		29,619	52,818
Interest bearing time deposits with other banks		3,820	4,070
Equity securities		1,658	1,938
Available-for-sale securities		404,865	417,601
Loans held for sale		8,346	9,379
Loans (net of allowance for credit losses: 2024 $21,598 and 2023, $21,153)		2,218,061	2,227,683
Premises and equipment		21,083	21,384
Accrued interest receivable		10,596	11,043
Goodwill	[1]	85,758	85,758
Bank owned life insurance		49,418	49,897
Other intangibles		3,450	3,650
Fair value of derivative instruments		14,857	13,687
Deferred tax asset		17,672	17,339
Other assets		51,900	59,074
TOTAL ASSETS		2,921,103	2,975,321
Deposits:
Noninterest-bearing		523,844	523,784
Interest-bearing		1,779,037	1,797,697
Total deposits		2,302,881	2,321,481
Borrowed funds		283,565	322,036
Accrued interest payable		4,123	4,298
Fair value of derivative instruments - liability		8,698	7,922
Other liabilities		39,162	39,918
TOTAL LIABILITIES		2,638,429	2,695,655
STOCKHOLDERS' EQUITY:
Preferred Stock $1.00 par value; authorized 3,000,000 shares at March 31, 2024 and December 31, 2023; none issued in 2024 or 2023		0	0
Common stock $1.00 par value; authorized 25,000,000 shares at March 31, 2024 and December 31, 2022; issued 5,160,754 at March 31, 2024 and December 31, 2023		5,161	5,161
Additional paid-in capital		143,227	143,233
Retained earnings		177,693	172,975
Accumulated other comprehensive loss		(26,620)	(24,911)
Treasury stock, at cost: 453,763 shares at March 31, 2024 and 453,760 shares at December 31, 2023		(16,787)	(16,792)
TOTAL STOCKHOLDERS' EQUITY		282,674	279,666
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY		$ 2,921,103	$ 2,975,321

[1] Excludes fully amortized intangible assets