Consolidated Balance Sheets (Unaudited) - USD ($) $ in Thousands	Mar. 31, 2025	Dec. 31, 2024
Cash and cash equivalents
Cash and due from banks	$ 22,315	$ 21,287
Interest-earning deposits in other banks	65,860	52,222
Federal Funds Sold	311	0
Total cash and cash equivalents	88,486	73,509
Securities
Available-for-sale, at fair value	119,428	125,434
Held-to-maturity; fair value of $172,478 in 2025 and $172,603 in 2024 ($0 credit loss allowance for 2025 and 2024)	200,000	204,309
Equity securities	266	266
Restricted stock, at cost	1,520	1,520
Total securities	321,214	331,529
Loans held for sale	0	283
Loans	761,240	737,641
Less allowance for credit losses	7,974	7,595
Net loans	753,266	730,046
Premises and equipment, net	13,935	14,069
Bank-owned life insurance	28,441	28,225
Goodwill	4,728	4,728
Accrued interest receivable and other assets	8,570	9,111
TOTAL ASSETS	1,218,640	1,191,500
Deposits
Noninterest-bearing	283,255	281,358
Interest-bearing	787,522	763,529
Total deposits	1,070,777	1,044,887
Short-term borrowings	24,981	25,683
Other borrowings	1,236	1,266
Allowance for credit losses on off-balance sheet commitments	519	524
Accrued interest payable and other liabilities	2,792	4,305
Total liabilities	1,100,305	1,076,665
SHAREHOLDERS' EQUITY
Common stock, $6.25 par value. Authorized 9,000,000 shares; issued 2,980,602 shares; outstanding 2,641,547 shares in 2025 and 2,650,089 in 2024	18,629	18,629
Additional paid-in capital	9,815	9,815
Retained earnings	105,664	103,105
Treasury stock at cost: 339,055 shares in 2025 and 330,513 shares in 2024	(8,622)	(8,294)
Accumulated other comprehensive loss	(7,151)	(8,420)
Total shareholders' equity	118,335	114,835
TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY	$ 1,218,640	$ 1,191,500