Consolidated Balance Sheets (Unaudited) - USD ($) $ in Thousands	Sep. 30, 2021	Dec. 31, 2020
Cash and cash equivalents
Cash and due from banks	$ 17,929	$ 19,281
Interest-earning deposits in other banks	265,692	162,371
Total cash and cash equivalents	283,621	181,652
Securities
Available-for-sale, at fair value	185,454	190,438
Held-to-maturity (fair value 2021-$51,013; 2020-$9,225)	51,317	9,045
Equity securities	107	87
Restricted stock, at cost	4,614	4,614
Total securities	241,492	204,184
Loans held for sale	862	1,378
Loans	546,095	609,159
Less allowance for loan losses	7,645	8,274
Net loans	538,450	600,885
Premises and equipment, net	13,713	12,633
Core deposit intangible	11	44
Goodwill	4,728	4,728
Bank-owned life insurance	23,873	21,416
Accrued interest receivable and other assets	4,946	4,712
TOTAL ASSETS	1,111,696	1,031,632
Deposits
Noninterest-bearing	304,345	272,051
Interest-bearing	664,284	619,511
Total deposits	968,629	891,562
Short-term borrowings	38,130	37,215
Other borrowings	3,489	4,664
Accrued interest payable and other liabilities	4,359	4,332
Total liabilities	1,014,607	937,773
SHAREHOLDERS' EQUITY
Common stock, $6.25 par value. Authorized 9,000,000 shares; issued 2,980,602 shares; outstanding 2,725,524 shares 2021 and 2,742,350 shares 2020	18,629	18,629
Additional paid-in capital	9,815	9,815
Retained earnings	75,252	69,209
Treasury stock at cost: 255,078 shares in 2021 and 238,252 shares in 2020	(5,424)	(4,780)
Accumulated other comprehensive (loss) income	(1,183)	986
Total shareholders' equity	97,089	93,859
TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY	$ 1,111,696	$ 1,031,632