Consolidated Balance Sheet - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Cash and cash equivalents:
Noninterest-bearing	$ 30,284	$ 37,733
Interest-bearing	11,918	15,085
Total cash and cash equivalents	42,202	52,818
Interest bearing time deposits with other banks	3,820	4,070
Equity securities	1,747	1,938
Available-for-sale securities	425,912	417,601
Loans held for sale	9,607	9,379
Loans (net of allowance for credit losses: 2024, $21,699; 2023, $21,153)	2,291,543	2,227,683
Premises and equipment	21,395	21,384
Accrued interest receivable	10,307	11,043
Goodwill	85,758	85,758
Bank owned life insurance	50,341	49,897
Other intangibles	2,892	3,650
Fair value of derivative instruments - asset	10,370	13,687
Deferred tax asset	15,199	17,339
Other assets	54,631	59,074
TOTAL ASSETS	3,025,724	2,975,321
Deposits:
Noninterest-bearing	532,776	523,784
Interest-bearing	1,849,252	1,797,697
Total deposits	2,382,028	2,321,481
Borrowed funds	297,721	322,036
Accrued interest payable	4,693	4,298
Fair value of derivative instruments - liability	5,817	7,922
Other liabilities	35,731	39,918
TOTAL LIABILITIES	2,725,990	2,695,655
STOCKHOLDERS' EQUITY:
Preferred Stock $1.00 par value; authorized 3,000,000 shares 2024 and 2023; none issued in 2024 or 2023	0	0
Common Stock $1.00 par value; authorized 25,000,000 shares 2024 and2023; issued 5,207,577 and 5,160,754 share in 2024 and 2023, respectively	5,208	5,161
Additional paid-in capital	144,984	143,233
Retained earnings	189,443	172,975
Accumulated other comprehensive loss	(23,521)	(24,911)
Treasury stock, at cost: 447,965 and 453,760 shares for 2024 and 2023, respectively	(16,380)	(16,792)
TOTAL STOCKHOLDERS' EQUITY	299,734	279,666
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$ 3,025,724	$ 2,975,321