Consolidated Statements of Financial Condition - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022
Assets
Cash and due from banks	$ 78,939	$ 72,720
Interest bearing deposits in banks	1,713	1,595
Cash and cash equivalents	80,652	74,315
Investment securities - available for sale (at fair value)	114,370	125,889
Investment securities - held to maturity, net of allowance for credit losses of $45 and $0, respectively (fair value $176,781 at September 30, 2023 and $203,080 at December 31, 2022)	215,683	235,659
Restricted investment in bank stock, at cost	5,251	1,027
Loans held for sale	208
Loans	1,380,019
Loans		1,279,494
Unearned fees	(371)
Unearned fees		(174)
Allowance for loan losses	(17,146)
Allowance for loan losses		(14,636)
Net loans	1,362,502
Net loans		1,264,684
Premises and equipment, net	32,766	34,948
Goodwill and other intangibles	12,185	12,433
Bank owned life insurance	47,282	46,346
Deferred tax assets	13,020	10,605
Other real estate owned, net	4,878	4,733
Right of use asset	1,905	1,898
Pension asset	7,476	8,001
Accrued interest receivable	6,689	6,051
Other assets	23,334	21,580
Total Assets	1,928,201	1,848,169
Liabilities:
Non-interest bearing deposits	429,691	506,613
Interest bearing deposits	1,145,378	1,064,120
Total deposits	1,575,069	1,570,733
Short-term borrowings	53,330	64,565
Long-term borrowings	110,929	30,929
Operating lease liability	2,347	2,373
SERP deferred compensation	7,294	7,194
Allowance for credit losses on off-balance sheet credit exposures	985	133
Accrued interest payable	578	151
Other Liabilities	21,335	19,099
Dividends payable	1,344	1,199
Total Liabilities	1,773,211	1,696,376
Shareholders' Equity:
Common Stock - par value $0.01 per share; Authorized 25,000,000 shares; issued and outstanding 6,715,170 shares at September 30, 2023 and 6,666,428 at December 31, 2022	67	67
Surplus	25,029	24,409
Retained earnings	173,467	166,343
Accumulated other comprehensive loss	(43,573)	(39,026)
Total Shareholders' Equity	154,990	151,793
Total Liabilities and Shareholders' Equity	$ 1,928,201	$ 1,848,169