Consolidated Statement of Financial Condition - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
Assets
Cash and due from banks	$ 28,888	$ 109,823
Interest bearing deposits in banks	1,868	5,897
Cash and cash equivalents	30,756	115,720
Investment securities - available for sale (at fair value)	128,039	286,771
Investment securities - held to maturity (fair value $205,745 at September 30, 2022 and $65,369 at December 31, 2021)	238,445	56,259
Restricted investment in bank stock, at cost	1,027	1,029
Loans held for sale		67
Loans	1,277,924	1,153,687
Unearned fees	(210)	(292)
Allowance for loan losses	(15,541)	(15,955)
Net loans	1,262,173	1,137,440
Premises and equipment, net	35,022	34,697
Goodwill and other intangibles	11,895	12,052
Bank owned life insurance	46,041	45,150
Deferred tax assets	16,180	6,857
Other real estate owned, net	4,733	4,477
Right of use asset	1,987	2,247
Pension asset		4,765
Accrued interest receivable	5,157	4,821
Other Assets	22,187	17,486
Total Assets	1,803,642	1,729,838
Liabilities:
Non-interest bearing deposits	474,444	501,627
Interest bearing deposits	1,036,674	967,747
Total deposits	1,511,118	1,469,374
Short-term borrowings	89,726	57,699
Long-term borrowings	30,929	30,929
Operating lease liability	2,472	2,761
SERP deferred compensation	10,481	10,395
Pension Liability	7,652
Accrued interest payable and other liabilities	18,221	15,787
Dividends payable	999	993
Total Liabilities	1,671,598	1,587,938
Shareholders' Equity:
Common Stock - par value $0.01 per share; Authorized 25,000,000 shares; issued and outstanding 6,659,390 shares at September 30, 2022 and 6,620,955 at December 31, 2021	67	66
Surplus	24,238	23,661
Retained earnings	160,573	145,487
Accumulated other comprehensive loss	(52,834)	(27,314)
Total Shareholders' Equity	132,044	141,900
Total Liabilities and Shareholders' Equity	$ 1,803,642	$ 1,729,838