Consolidated Balance Sheets (Unaudited) - USD ($) $ in Thousands	Jun. 30, 2025	Dec. 31, 2024
Cash and cash equivalents
Cash and due from banks	$ 27,000	$ 21,287
Interest-earning deposits in other banks	68,008	52,222
Federal Funds Sold	282	0
Total cash and cash equivalents	95,290	73,509
Securities
Available-for-sale, at fair value	110,067	125,434
Held-to-maturity; fair value of $169,744 in 2025 and $172,603 in 2024 ($0 credit loss allowance for 2025 and 2024)	195,048	204,309
Equity securities	273	266
Restricted stock, at cost	1,520	1,520
Total securities	306,908	331,529
Loans held for sale	0	283
Loans	788,070	737,641
Less allowance for credit losses	8,251	7,595
Net loans	779,819	730,046
Premises and equipment, net	13,795	14,069
Bank-owned life insurance	28,669	28,225
Goodwill	4,728	4,728
Accrued interest receivable and other assets	8,760	9,111
TOTAL ASSETS	1,237,969	1,191,500
Deposits
Noninterest-bearing	282,784	281,358
Interest-bearing	806,560	763,529
Total deposits	1,089,344	1,044,887
Short-term borrowings	22,364	25,683
Other borrowings	965	1,266
Allowance for credit losses on off-balance sheet commitments	493	524
Accrued interest payable and other liabilities	3,120	4,305
Total liabilities	1,116,286	1,076,665
SHAREHOLDERS' EQUITY
Common stock, $6.25 par value. Authorized 9,000,000 shares; issued 2,980,602 shares; outstanding 2,638,921 shares in 2025 and 2,650,089 in 2024	18,629	18,629
Additional paid-in capital	9,815	9,815
Retained earnings	108,309	103,105
Treasury stock at cost: 341,681 shares in 2025 and 330,513 shares in 2024	(8,730)	(8,294)
Accumulated other comprehensive loss	(6,340)	(8,420)
Total shareholders' equity	121,683	114,835
TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY	$ 1,237,969	$ 1,191,500