Consolidated Statements of Financial Condition - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Assets
Cash and due from banks	$ 61,140	$ 48,343
Interest bearing deposits in banks	1,252	1,410
Cash and cash equivalents	62,392	49,753
Investment securities - available for sale (at fair value)	93,160	97,169
Investment securities - held to maturity, net of allowance for credit losses of $59 at September 30, 2024 and $45 at December 31, 2023 (fair value $149,348 at September 30, 2024 and $184,415 at December 31, 2023)	174,054	214,297
Restricted investment in bank stock, at cost	5,765	5,250
Loans held for sale	232	443
Loans	1,447,883	1,406,667
Unearned fees	(333)	(340)
Allowance for credit losses	(18,010)	(17,480)
Net loans	1,429,540	1,388,847
Premises and equipment, net	30,704	31,459
Goodwill and other intangibles	11,856	12,103
Bank owned life insurance	48,608	47,607
Deferred tax assets	9,357	11,133
Other real estate owned, net	2,860	4,493
Right of use assets	1,163	1,367
Pension asset	16,268	11,208
Accrued interest receivable	7,054	7,487
Other assets	23,113	23,244
Total Assets	1,916,126	1,905,860
Liabilities:
Non-interest bearing deposits	419,437	427,670
Interest bearing deposits	1,120,958	1,123,307
Total deposits	1,540,395	1,550,977
Short-term borrowings	50,206	45,418
Long-term borrowings	120,929	110,929
Operating lease liability	1,343	1,556
SERP deferred compensation	10,022	9,777
Allowance for credit losses on off-balance sheet credit exposures	856	873
Accrued interest payable	1,854	612
Other liabilities	15,118	22,515
Dividends payable	1,424	1,330
Total Liabilities	1,742,147	1,743,987
Shareholders' Equity:
Common Stock - par value $0.01 per share; Authorized 25,000,000 shares; issued and outstanding 6,468,625 shares at September 30, 2024 and 6,639,888 at December 31, 2023	65	66
Surplus	20,288	23,734
Retained earnings	184,239	173,900
Accumulated other comprehensive loss	(30,613)	(35,827)
Total Shareholders' Equity	173,979	161,873
Total Liabilities and Shareholders' Equity	$ 1,916,126	$ 1,905,860