Consolidated Balance Sheets (Current Period Unaudited) - USD ($)	Jun. 30, 2024	Dec. 31, 2023
Assets
Cash and due from banks	$ 15,911,000	$ 11,447,000
Interest-bearing deposits in banks	60,998,000	51,210,000
Total cash and cash equivalents	76,909,000	62,657,000
Investments:
Available-for-sale (amortized cost $542,491 and $576,178)	460,418,000	490,182,000
Equity securities (cost of $6,032 and $5,695)	7,233,000	5,910,000
Restricted investment in stocks	3,114,000	2,730,000
Loans held-for-sale	786,000	549,000
Loans receivable	1,162,310,000	1,093,533,000
Allowance for credit losses on loans	(8,858,000)	(8,852,000)
Loans receivable, net	1,153,452,000	1,084,681,000
Bank-owned life insurance	11,778,000	11,946,000
Premises and equipment, net	15,488,000	14,952,000
Accrued interest receivable	6,402,000	6,101,000
Net deferred tax assets	18,393,000	19,290,000
Other assets	7,514,000	7,320,000
Total assets	1,761,487,000	1,706,318,000
Deposits
Demand, non-interest bearing	190,333,000	185,098,000
Interest-bearing demand	481,760,000	462,712,000
Money market	234,996,000	222,843,000
Savings	287,057,000	303,079,000
Time less than $100	175,902,000	149,851,000
Time $100 through $250	148,907,000	121,793,000
Time greater than $250	53,884,000	43,337,000
Total deposits	1,572,839,000	1,488,713,000
Short-term borrowings	49,066,000	94,094,000
Long-term debt	30,000,000	20,000,000
Accrued interest payable	4,488,000	5,294,000
Other liabilities	8,209,000	7,393,000
Total liabilities	1,664,602,000	1,615,494,000
Shareholders' Equity
Common stock, par value $0.625 per share; authorized 10,000,000 shares; 3,886,653 shares and 3,861,940 shares issued; 3,677,967 and 3,653,254 shares outstanding	2,429,000	2,414,000
Surplus	27,036,000	26,439,000
Retained earnings	136,295,000	133,945,000
Accumulated other comprehensive loss, net of tax	(64,838,000)	(67,937,000)
Treasury stock, at cost; 208,686 and 208,686 shares	(4,037,000)	(4,037,000)
Total shareholders' equity	96,885,000	90,824,000
Total liabilities and shareholders' equity	$ 1,761,487,000	$ 1,706,318,000