Consolidated Statements of Financial Condition - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Assets
Cash and due from banks	$ 77,020	$ 48,343
Interest bearing deposits in banks	1,307	1,410
Cash and cash equivalents	78,327	49,753
Investment securities - available for sale (at fair value)	94,494	97,169
Investment securities - held to maturity, net of allowance for credit losses of $59 and $45, respectively (fair value of $144,760 at December 31, 2024 and $184,415 at December 31, 2023)	175,497	214,297
Restricted investment in bank stock, at cost	5,768	5,250
Loans held for sale (at lower of cost or fair value)	806	443
Loans	1,480,793	1,406,667
Unearned fees	(442)	(340)
Allowance for credit losses	(18,170)	(17,480)
Net loans	1,462,181	1,388,847
Premises and equipment, net	30,081	31,459
Goodwill and other intangibles	11,773	12,103
Bank owned life insurance	48,952	47,607
Deferred tax assets	9,989	11,133
Other real estate owned, net	3,062	4,493
Other repossessed assets	2,802	55
Right of use assets	1,204	1,367
Pension asset	17,824	11,208
Accrued interest receivable	7,473	7,487
Other assets	22,789	23,189
Total Assets	1,973,022	1,905,860
Liabilities:
Non-interest bearing deposits	426,737	427,670
Interest bearing deposits	1,148,092	1,123,307
Total deposits	1,574,829	1,550,977
Short-term borrowings	65,409	45,418
Long-term borrowings	120,929	110,929
Operating lease liability	1,384	1,556
SERP deferred compensation	8,335	9,777
Allowance for credit losses on off-balance sheet credit exposures	863	873
Accrued interest payable	489	612
Other liabilities	20,065	22,515
Dividends payable	1,424	1,330
Total Liabilities	1,793,727	1,743,987
Shareholders' Equity:
Common Stock - par value $0.01 per share; Authorized 25,000,000 shares; issued and outstanding 6,471,096 shares at December 31, 2024 and 6,639,888 shares at December 31, 2023	65	66
Surplus	20,476	23,734
Retained earnings	189,002	173,900
Accumulated other comprehensive loss	(30,248)	(35,827)
Total Shareholders' Equity	179,295	161,873
Total Liabilities and Shareholders' Equity	$ 1,973,022	$ 1,905,860