Consolidated Statement of Financial Condition - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Assets
Cash and due from banks	$ 109,823	$ 146,673
Interest bearing deposits in banks	5,897	2,759
Cash and cash equivalents	115,720	149,432
Available-for-sale Securities	286,771	226,885
Investment securities - held to maturity (fair value of $65,369 at December 31, 2021 and $77,612 at December 31, 2020)	56,259	68,263
Restricted investment in bank stock, at cost	1,029	4,468
Loans held for sale (at fair value)	67	3,546
Loans	1,153,687	1,167,812
Unearned fees	(292)	(1,730)
Allowance for loan losses	(15,955)	(16,486)
Net loans	1,137,440	1,149,596
Premises and equipment, net	34,697	36,863
Goodwill and other intangible assets	12,052	11,004
Bank owned life insurance	45,150	43,974
Deferred tax assets	6,857	7,972
Other real estate owned	4,477	9,386
Right of use assets	2,247	2,408
Trust receivable	8,650	7,446
Pension Asset	4,765
Accrued interest receivable	4,821	6,241
Other assets	8,836	5,930
Total Assets	1,729,838	1,733,414
Liabilities:
Non-interest bearing deposits	501,627	420,427
Interest bearing deposits	967,747	1,001,939
Total deposits	1,469,374	1,422,366
Short-term borrowings	57,699	49,160
Long-term borrowings	30,929	100,929
Operating lease liability	2,761	2,958
SERP deferred compensation	10,395	9,300
Accrued interest payable and other liabilities	15,787	16,744
Dividends payable	993	910
Total Liabilities	1,587,938	1,602,367
Shareholders' Equity:
Common Stock - par value $0.01 per share; Authorized 25,000,000 shares; issued and outstanding 6,620,955 shares at December 31, 2021 and 6,992,911 shares at December 31, 2020	66	70
Surplus	23,661	30,149
Retained earnings	145,487	129,691
Accumulated other comprehensive loss	(27,314)	(28,863)
Total Shareholders' Equity	141,900	131,047
Total Liabilities and Shareholders' Equity	$ 1,729,838	$ 1,733,414