Consolidated Balance Sheets (Unaudited) - USD ($) $ in Thousands	Jun. 30, 2024	Dec. 31, 2023
Cash and cash equivalents
Cash and due from banks	$ 19,873	$ 24,463
Interest-earning deposits with banks	35,941	39,614
Federal Funds Sold	391
Total cash and cash equivalents	56,205	64,077
Securities
Available-for-sale, at fair value	127,279	140,080
Held-to-maturity fair value of $183,484 in 2024 and $194,730 in 2023 ($0 credit loss allowance)	216,899	226,279
Equity securities	230	259
Restricted stock, at cost	1,520	1,535
Total securities	345,928	368,153
Loans held for sale	228
Loans	721,916	701,404
Less allowance for credit losses	10,587	6,607
Net loans	711,329	694,797
Premises and equipment, net	13,538	13,002
Bank-owned life insurance	25,793	25,410
Goodwill	4,728	4,728
Accrued interest receivable and other assets	9,566	8,522
TOTAL ASSETS	1,167,315	1,178,689
Deposits
Noninterest-bearing	277,749	301,697
Interest-bearing	746,086	725,730
Total deposits	1,023,835	1,027,427
Short-term borrowings	27,842	35,843
Other borrowings	1,326	1,754
Allowance for credit losses on off-balance sheet commitments	477	736
Accrued interest payable and other liabilities	3,467	4,990
Total liabilities	1,056,947	1,070,750
SHAREHOLDERS' EQUITY
Common stock, $6.25 par value. Authorized 9,000,000 shares; issued 2,980,602 shares; outstanding 2,663,924 shares in 2024 and 2,669,938 in 2023	18,629	18,629
Additional paid-in capital	9,815	9,815
Retained earnings	99,766	97,297
Treasury stock at cost: 316,678 shares in 2024 and 310,664 shares in 2023	(7,757)	(7,532)
Accumulated other comprehensive loss	(10,085)	(10,270)
Total shareholders' equity	110,368	107,939
TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY	$ 1,167,315	$ 1,178,689