CONSOLIDATED BALANCE SHEET - USD ($) $ in Thousands		Mar. 31, 2025	Dec. 31, 2024
Cash and due from banks:
Noninterest-bearing		$ 28,127	$ 30,284
Interest-bearing		8,659	11,918
Total cash and cash equivalents		36,786	42,202
Interest bearing time deposits with other banks		3,820	3,820
Equity securities		1,737	1,747
Available-for-sale securities		430,701	425,912
Loans held for sale		6,054	9,607
Loans (net of allowance for credit losses: 2025 $22,081 and 2024, $21,699)		2,293,582	2,291,543
Premises and equipment		21,627	21,395
Accrued interest receivable		10,918	10,307
Goodwill	[1]	85,758	85,758
Bank owned life insurance		50,578	50,341
Other intangibles		2,707	2,892
Fair value of derivative instruments		9,120	10,370
Deferred tax asset		14,436	15,199
Other assets		48,514	54,631
TOTAL ASSETS		3,016,338	3,025,724
Deposits:
Noninterest-bearing		505,826	532,776
Interest-bearing		1,859,028	1,849,252
Total deposits		2,364,854	2,382,028
Borrowed funds		302,027	297,721
Accrued interest payable		3,143	4,693
Fair value of derivative instruments - liability		5,196	5,817
Other liabilities		32,822	35,731
TOTAL LIABILITIES		2,708,042	2,725,990
STOCKHOLDERS' EQUITY:
Preferred Stock $1.00 par value; authorized 3,000,000 shares at March 31, 2025 and December 31, 2024; none issued in 2025 or 2024		0	0
Common stock $1.00 par value; authorized 25,000,000 shares at March 31, 2025 and December 31, 2024, issued 5,207,824 at March 31, 2025 and 5,207,577 at December 31, 2024		5,208	5,208
Additional paid-in capital		145,010	144,984
Retained earnings		194,709	189,443
Accumulated other comprehensive loss		(20,239)	(23,521)
Treasury stock, at cost: 448,152 shares at March 31, 2025 and 447,965 shares at December 31, 2024		(16,392)	(16,380)
TOTAL STOCKHOLDERS' EQUITY		308,296	299,734
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY		$ 3,016,338	$ 3,025,724

[1] Excludes fully amortized intangible assets