Consolidated Statement of Financial Condition - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Assets
Cash and due from banks	$ 71,211	$ 109,823
Interest bearing deposits in banks	4,905	5,897
Cash and cash equivalents	76,116	115,720
Investment securities - available for sale (at fair value)	143,609	286,771
Investment securities - held to maturity (fair value $235,026 at March 31, 2022 and $65,369 at December 31, 2021)	241,656	56,259
Restricted investment in bank stock, at cost	1,026	1,029
Loans held for sale	140	67
Loans	1,181,401	1,153,687
Unearned fees	(107)	(292)
Allowance for loan losses	(15,292)	(15,955)
Net loans	1,166,002	1,137,440
Premises and equipment, net	34,001	34,697
Goodwill and other intangibles	12,000	12,052
Bank owned life insurance	45,442	45,150
Deferred tax assets	10,361	6,857
Other real estate owned, net	4,477	4,477
Right of use asset	2,161	2,247
Pension asset	1,699	4,765
Accrued interest receivable	5,075	4,821
Other Assets	16,458	17,486
Total Assets	1,760,223	1,729,838
Liabilities:
Non-interest bearing deposits	530,901	501,627
Interest bearing deposits	976,654	967,747
Total deposits	1,507,555	1,469,374
Short-term borrowings	58,902	57,699
Long-term borrowings	30,929	30,929
Operating lease liability	2,666	2,761
SERP deferred compensation	10,424	10,395
Accrued interest payable and other liabilities	11,674	15,787
Dividends payable	995	993
Total Liabilities	1,623,145	1,587,938
Shareholders' Equity:
Common Stock - par value $0.01 per share; Authorized 25,000,000 shares; issued and outstanding 6,637,979 shares at March 31, 2022 and 6,620,955 at December 31, 2021	66	66
Surplus	23,712	23,661
Retained earnings	150,207	145,487
Accumulated other comprehensive loss	(36,907)	(27,314)
Total Shareholders' Equity	137,078	141,900
Total Liabilities and Shareholders' Equity	$ 1,760,223	$ 1,729,838