Consolidated Statements of Financial Condition - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
Assets
Cash and due from banks	$ 85,578	$ 48,343
Interest bearing deposits in banks	1,354	1,410
Cash and cash equivalents	86,932	49,753
Investment securities - available for sale (at fair value)	95,580	97,169
Investment securities - held to maturity, net of allowance for credit losses of $45 and $45, respectively (fair value $152,225 at March 31, 2024 and $184,415 at December 31, 2023))	183,136	214,297
Restricted investment in bank stock, at cost	3,390	5,250
Loans held for sale	175	443
Loans	1,412,327	1,406,667
Unearned fees	(314)	(340)
Allowance for credit losses	(17,982)	(17,480)
Net loans	1,394,031	1,388,847
Premises and equipment, net	30,268	31,459
Goodwill and other intangibles	12,021	12,103
Bank owned life insurance	47,933	47,607
Deferred tax assets	10,736	11,133
Other real estate owned, net	4,402	4,493
Right of use asset	1,299	1,367
Pension asset	13,022	11,208
Accrued interest receivable	7,762	7,487
Other assets	22,266	23,244
Total Assets	1,912,953	1,905,860
Liabilities:
Non-interest bearing deposits	422,759	427,670
Interest bearing deposits	1,140,694	1,123,307
Total deposits	1,563,453	1,550,977
Short-term borrowings	79,494	45,418
Long-term borrowings	70,929	110,929
Operating lease liability	1,484	1,556
SERP deferred compensation	9,859	9,777
Allowance for credit losses on unfunded commitments	858	873
Accrued interest payable	919	612
Other Liabilities	19,147	22,515
Dividends payable	1,329	1,330
Total Liabilities	1,747,472	1,743,987
Shareholders' Equity:
Common Stock - par value $0.01 per share; Authorized 25,000,000 shares; issued and outstanding 6,648,645 shares at March 31, 2024 and 6,639,888 at December 31, 2023	66	66
Surplus	23,865	23,734
Retained earnings	176,272	173,900
Accumulated other comprehensive loss	(34,722)	(35,827)
Total Shareholders' Equity	165,481	161,873
Total Liabilities and Shareholders' Equity	$ 1,912,953	$ 1,905,860