Consolidated Statements of Financial Condition - USD ($) $ in Thousands	Mar. 31, 2025	Dec. 31, 2024
Assets
Cash and due from banks	$ 82,813	$ 77,020
Interest bearing deposits in banks	1,618	1,307
Cash and cash equivalents	84,431	78,327
Investment securities - available for sale (at fair value)	99,998	94,494
Investment securities - held to maturity, net of allowance for credit losses of $59 at March 31, 2025 and December 31, 2024 (fair value $146,771 at March 31, 2025 and $144,760 at December 31, 2024)	174,144	175,497
Equity investments not held for trading with readily determinable fair values	1,001
Restricted investment in bank stock, at cost	5,815	5,768
Loans held for sale (at lower of cost or fair value)		806
Loans	1,479,869	1,480,793
Unearned fees	(457)	(442)
Allowance for credit losses	(18,467)	(18,170)
Net loans	1,460,945	1,462,181
Premises and equipment, net	30,010	30,081
Goodwill and other intangibles	11,691	11,773
Bank owned life insurance	49,293	48,952
Deferred tax assets	10,021	9,989
Other real estate owned, net	3,062	3,062
Repossessed assets	2,802	2,802
Right of use assets	1,131	1,204
Pension asset	16,064	17,824
Accrued interest receivable	6,975	7,473
Other assets	22,370	22,789
Total Assets	1,979,753	1,973,022
Liabilities:
Non-interest bearing deposits	422,415	426,737
Interest bearing deposits	1,201,159	1,148,092
Total deposits	1,623,574	1,574,829
Short-term borrowings	20,342	65,409
Long-term borrowings	120,929	120,929
Operating lease liability	1,308	1,384
SERP deferred compensation	8,400	8,335
Allowance for credit losses on off-balance sheet credit exposures	863	863
Accrued interest payable	693	489
Other liabilities	18,524	20,065
Dividends payable	1,426	1,424
Total Liabilities	1,796,059	1,793,727
Shareholders' Equity:
Common Stock - par value $0.01 per share; Authorized 25,000,000 shares; issued and outstanding 6,478,634 shares at March 31, 2025 and 6,471,096 at December 31, 2024	65	65
Surplus	20,606	20,476
Retained earnings	193,382	189,002
Accumulated other comprehensive loss	(30,359)	(30,248)
Total Shareholders' Equity	183,694	179,295
Total Liabilities and Shareholders' Equity	$ 1,979,753	$ 1,973,022