Consolidated Balance Sheets (Current Period Unaudited) - USD ($)	Mar. 31, 2023	Dec. 31, 2022
Assets
Cash and due from banks	$ 11,452,000	$ 14,657,000
Interest-bearing deposits in banks	2,749,000	1,242,000
Total cash and cash equivalents	14,201,000	15,899,000
Investments:
Available-for-sale (amortized cost $629,187 and $649,217)	537,904,000	546,525,000
Equity securities (cost of $11,885 and $12,081)	11,908,000	12,056,000
Restricted investment in stocks	2,098,000	5,193,000
Loans held-for-sale	388,000
Loans receivable	1,011,956,000	1,039,385,000
Allowance for credit losses on loans	(8,191,000)	(10,531,000)
Net loans	1,003,765,000	1,028,854,000
Bank-owned life insurance	11,712,000	11,625,000
Premises and equipment, net	15,557,000	15,463,000
Accrued interest receivable	3,425,000	5,038,000
Net deferred tax assets	20,169,000	23,077,000
Other assets	5,372,000	4,767,000
Total assets	1,626,499,000	1,668,497,000
Deposits
Demand, non-interest bearing	212,259,000	231,849,000
Interest-bearing demand	430,737,000	452,927,000
Money market	143,790,000	127,043,000
Savings	387,788,000	431,101,000
Time less than $100	104,460,000	91,329,000
Time $100 through $250	112,608,000	59,650,000
Time greater than $250	32,948,000	24,470,000
Total deposits	1,424,590,000	1,418,369,000
Short-term borrowings	110,192,000	161,327,000
Long-term debt		10,000,000
Accrued interest payable	923,000	467,000
Other liabilities	6,920,000	7,376,000
Total liabilities	1,542,625,000	1,597,539,000
Shareholders' Equity
Common stock, par value $0.625 per share; authorized 10,000,000 shares; 3,806,031 shares and 3,796,948 shares issued; 3,597,345 and 3,588,262 shares outstanding	2,379,000	2,373,000
Surplus	25,048,000	24,798,000
Retained earnings	132,598,000	128,951,000
Accumulated other comprehensive loss, net of tax	(72,114,000)	(81,127,000)
Treasury stock, at cost; 208,686 and 208,686 shares	(4,037,000)	(4,037,000)
Total shareholders' equity	83,874,000	70,958,000
Total liabilities and shareholders' equity	$ 1,626,499,000	$ 1,668,497,000