Consolidated Statement of Financial Condition - USD ($) $ in Thousands	Sep. 30, 2021	Dec. 31, 2020
Assets
Cash and due from banks	$ 129,062	$ 146,673
Interest bearing deposits in banks	5,876	2,759
Cash and cash equivalents	134,938	149,432
Investment securities - available for sale (at fair value)	235,564	226,885
Investment securities - held to maturity (fair value $71,707 at September 30, 2021 and $77,612 at December 31, 2020)	61,979	68,263
Restricted investment in bank stock, at cost	1,029	4,468
Loans held for sale	348	3,546
Loans	1,161,868	1,167,812
Unearned fees	(1,171)	(1,730)
Allowance for loan losses	(16,906)	(16,486)
Net loans	1,143,791	1,149,596
Premises and equipment, net	35,213	36,863
Goodwill	11,004	11,004
Bank owned life insurance	44,851	43,974
Deferred tax assets	7,946	7,972
Other real estate owned, net	6,663	9,386
Operating lease asset	2,331	2,408
Accrued interest receivable and other assets	22,899	19,617
Total Assets	1,708,556	1,733,414
Liabilities:
Non-interest bearing deposits	491,441	420,427
Interest bearing deposits	953,053	1,001,939
Total deposits	1,444,494	1,422,366
Short-term borrowings	72,396	49,160
Long-term borrowings	30,929	100,929
Operating lease liability	2,854	2,958
Accrued interest payable and other liabilities	23,103	26,044
Dividends payable	993	910
Total Liabilities	1,574,769	1,602,367
Shareholders' Equity:
Common Stock - par value $0.01 per share; Authorized 25,000,000 shares; issued and outstanding 6,617,941 shares at September 30, 2021 and 6,992,911 at December 31, 2020	66	70
Surplus	23,522	30,149
Retained earnings	138,931	129,691
Accumulated other comprehensive loss	(28,732)	(28,863)
Total Shareholders' Equity	133,787	131,047
Total Liabilities and Shareholders' Equity	$ 1,708,556	$ 1,733,414