Consolidated Balance Sheets (Unaudited) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Cash and cash equivalents
Cash and due from banks	$ 26,108	$ 24,463
Interest-earning deposits in other banks	69,108	39,614
Federal Funds Sold	427	0
Total cash and cash equivalents	95,643	64,077
Securities
Available-for-sale, at fair value	131,718	140,080
Held-to-maturity fair value of $185,647 in 2024 and $194,730 in 2023 ($0 credit loss allowance)	211,655	226,279
Equity securities	247	259
Restricted stock, at cost	1,520	1,535
Total securities	345,140	368,153
Loans held for sale	509	0
Loans	719,602	701,404
Less allowance for credit losses	7,224	6,607
Net loans	712,378	694,797
Premises and equipment, net	13,994	13,002
Bank-owned life insurance	27,996	25,410
Goodwill	4,728	4,728
Accrued interest receivable and other assets	8,793	8,522
TOTAL ASSETS	1,209,181	1,178,689
Deposits
Noninterest-bearing	286,525	301,697
Interest-bearing	784,006	725,730
Total deposits	1,070,531	1,027,427
Short-term borrowings	19,224	35,843
Other borrowings	1,296	1,754
Allowance for credit losses on off-balance sheet commitments	532	736
Accrued interest payable and other liabilities	2,590	4,990
Total liabilities	1,094,173	1,070,750
SHAREHOLDERS' EQUITY
Common stock, $6.25 par value. Authorized 9,000,000 shares; issued 2,980,602 shares; outstanding 2,659,324 shares in 2024 and 2,669,938 in 2023	18,629	18,629
Additional paid-in capital	9,815	9,815
Retained earnings	101,847	97,297
Treasury stock at cost: 321,278 shares in 2024 and 310,664 shares in 2023	(7,929)	(7,532)
Accumulated other comprehensive loss	(7,354)	(10,270)
Total shareholders' equity	115,008	107,939
TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY	$ 1,209,181	$ 1,178,689