Consolidated Statements of Condition - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Assets
Cash and due from banks	$ 42,253	$ 22,794
Available for sale securities, amortized cost of $371,236 at September 30, 2024; $379,195 at December 31, 2023	341,878	339,477
Held to maturity securities, fair value of $123,414 at September 30, 2024; $138,523 at December 31, 2023	133,665	150,941
Less: Allowance for credit losses on held to maturity securities	30	30
Held to maturity securities, amortized cost	133,635	150,911
Other investments	350	350
Federal Home Loan Bank Stock, at cost	434	2,334
Loans	239,259	238,339
Less: Allowance for credit losses on loans and leases	3,091	3,224
Loans, net	236,168	235,115
Bank premises and equipment, net of accumulated depreciation	19,139	19,470
Accrued interest receivable	3,608	3,520
Cash surrender value of life insurance	21,850	21,375
Intangible asset	491	538
Other assets	14,346	1,854
Total assets	814,152	797,738
Liabilities:
Demand, non-interest bearing	187,866	174,933
Savings and demand, interest bearing	439,941	483,662
Time, $250,000 or more	14,922	7,518
Other time deposits	23,357	22,377
Total deposits	666,086	688,490
Advances from Federal Home Loan Bank		18,500
Borrowings under Bank Term Funding Program	30,000
Employee and director benefit plans liabilities	19,352	19,581
Other liabilities	2,321	1,884
Total liabilities	717,759	728,455
Shareholders' Equity:
Common stock, $1 par value, 15,000,000 shares authorized, 4,661,686 shares issued and outstanding at September 30, 2024 and December 31, 2023	4,662	4,662
Surplus	65,780	65,780
Undivided profits	56,910	37,574
Accumulated other comprehensive loss	(30,959)	(38,733)
Total shareholders' equity	96,393	69,283
Total liabilities and shareholders' equity	$ 814,152	$ 797,738