CONSOLIDATED BALANCE SHEETS (UNAUDITED) - USD ($) $ in Thousands	Jun. 30, 2023	Dec. 31, 2022
ASSETS
Cash and noninterest-bearing deposits with banks	$ 14,919	$ 14,330
Interest-bearing deposits with banks	41,876	31,660
Total cash and cash equivalents	56,795	45,990
Certificates of deposit in financial institutions	245	1,862
Securities available for sale	174,508	184,074
Securities held to maturity, net of allowance for credit losses of $3 in 2023 and $0 in 2022; (estimated fair value: 2023 - $8,218; 2022 - $8,460)	8,964	9,226
Restricted investments in bank stocks	4,204	5,953
Total loans	949,952	885,049
Less: Allowance for credit losses	(7,571)	(5,269)
Net loans	942,381	879,780
Premises and equipment, net	21,091	20,436
Premises and equipment held for sale, net	583	593
Accrued interest receivable	3,164	3,112
Goodwill	7,319	7,319
Other intangible assets, net	16	29
Bank owned life insurance and annuity assets	40,045	39,627
Operating lease right-of-use asset, net	1,297	1,294
Deferred tax assets	6,412	6,266
Other assets	7,206	5,226
Total assets	1,274,230	1,210,787
LIABILITIES
Noninterest-bearing deposits	338,974	354,413
Interest-bearing deposits	737,598	673,242
Total deposits	1,076,572	1,027,655
Other borrowed funds	26,904	17,945
Subordinated debentures	8,500	8,500
Operating lease liability	1,297	1,294
Allowance for credit losses on off-balance sheet commitments	565	0
Other liabilities	22,320	20,365
Total liabilities	1,136,158	1,075,759
COMMITMENTS AND CONTINGENT LIABILITIES (See Note 5)
SHAREHOLDERS' EQUITY
Common stock ($1.00 stated value per share, 10,000,000 shares authorized; 2023 - 5,470,453 shares issued; 2022 - 5,465,707 shares issued)	5,470	5,465
Additional paid-in capital	51,842	51,722
Retained earnings	111,499	109,320
Accumulated other comprehensive income (loss)	(14,073)	(14,813)
Treasury stock, at cost (693,933 shares)	(16,666)	(16,666)
Total shareholders' equity	138,072	135,028
Total liabilities and shareholders' equity	$ 1,274,230	$ 1,210,787