Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Assets
Cash and due from banks	$ 9,194	$ 13,422
Interest-bearing deposits in banks	4,196	25,909
Total cash and cash equivalents	13,390	39,331
Investment securities:
Available-for-sale (amortized cost $697,094 and $428,495)	692,360	435,646
Equity securities (cost of $11,419 and $12,784)	12,410	12,849
Restricted investment in bank stocks	1,329	1,041
Loans held-for-sale		6,570
Loans receivable	926,470	920,042
Allowance for loan losses	(11,184)	(10,826)
Net loans	915,286	909,216
Bank-owned life insurance	11,497	11,791
Premises and equipment, net	16,540	15,404
Accrued interest receivable	4,104	4,825
Net deferred tax assets	2,449	66
Other assets	3,975	3,490
Total assets	1,673,340	1,440,229
Deposits
Demand, non-interest bearing	243,006	204,584
Interest-bearing demand	468,199	395,364
Money market	143,942	96,811
Savings	426,225	334,223
Time less than $100	93,456	107,582
Time $100 through $250	49,930	59,984
Time greater than $250	24,987	29,519
Total deposits	1,449,745	1,228,067
Short-term borrowings	68,476	58,838
Long-term debt	10,000	10,000
Accrued interest payable	211	350
Other liabilities	8,414	8,529
Total liabilities	1,536,846	1,305,784
Shareholders' Equity
Common stock, par value $0.625 per share; authorized 10,000,000 shares; 3,760,315 shares and 3,725,202 shares issued; 3,553,629 and 3,556,533 shares outstanding	2,350	2,328
Surplus	23,683	22,430
Retained earnings	118,163	106,644
Accumulated other comprehensive gain, net of tax	(3,740)	5,649
Treasury stock, at cost; 206,686 and 168,669 shares	(3,962)	(2,606)
Total shareholders' equity	136,494	134,445
Total liabilities and shareholders' equity	$ 1,673,340	$ 1,440,229