Consolidated Statements of Financial Condition - USD ($)	Dec. 31, 2022	Dec. 31, 2021
Assets
Cash and due from banks	$ 72,720,000	$ 109,823,000
Interest bearing deposits in banks	1,595,000	5,897,000
Cash and cash equivalents	74,315,000	115,720,000
Investment securities - available-for-sale (at fair value)	125,889,000	286,771,000
Investment securities - held to maturity (fair value of $203,080 at December 31, 2022 and $65,369 at December 31, 2021)	235,659,000	56,259,000
Restricted investment in bank stock, at cost	1,027,000	1,029,000
Loans held for sale (at lower of cost or fair value)	0	67,000
Loans	1,279,494,000	1,153,687,000
Unearned fees	(174,000)	(292,000)
Allowance for loan losses	(14,636,000)	(15,955,000)
Net loans	1,264,684,000	1,137,440,000
Premises and equipment, net	34,948,000	34,697,000
Goodwill and other intangibles	12,433,000	12,052,000
Bank owned life insurance	46,346,000	45,150,000
Deferred tax assets	10,605,000	6,857,000
Other real estate owned	4,733,000	4,477,000
Right of use assets	1,898,000	2,247,000
Trust receivable	8,244,000	8,650,000
Pension Asset	8,001,000	4,765,000
Accrued interest receivable	6,051,000	4,821,000
Other assets	13,336,000	8,836,000
Total Assets	1,848,169,000	1,729,838,000
Liabilities:
Non-interest bearing deposits	506,613,000	501,627,000
Interest bearing deposits	1,064,120,000	967,747,000
Total deposits	1,570,733,000	1,469,374,000
Short-term borrowings	64,565,000	57,699,000
Long-term borrowings	30,929,000	30,929,000
Operating lease liability	2,373,000	2,761,000
SERP deferred compensation	7,194,000	10,395,000
Accrued interest payable and other liabilities	19,383,000	15,787,000
Dividends payable	1,199,000	993,000
Total Liabilities	1,696,376,000	1,587,938,000
Shareholders' Equity:
Common Stock - par value $0.01 per share; Authorized 25,000,000 shares; issued and outstanding 6,666,428 shares at December 31, 2022 and 6,620,955 shares at December 31, 2021	67,000	66,000
Surplus	24,409,000	23,661,000
Retained earnings	166,343,000	145,487,000
Accumulated other comprehensive loss	(39,026,000)	(27,314,000)
Total Shareholders' Equity	151,793,000	141,900,000
Total Liabilities and Shareholders' Equity	$ 1,848,169,000	$ 1,729,838,000