Consolidated Balance Sheets - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022
ASSETS
Cash and due from banks	$ 15,754	$ 21,927
Interest bearing demand deposits with banks	61,491	44,368
Federal funds sold	417	1,000
Cash and Cash Equivalents	77,662	67,295
Securities available for sale	295,022	316,992
Restricted investment in bank stock	4,360	995
Loans receivable, net of allowance for credit losses of $12,499 in 2023; $12,449 in 2022	1,237,310	1,196,164
Paycheck Protection Program loans receivable	4	286
Premises and equipment, net of accumulated depreciation	3,779	3,843
Bank owned life insurance	26,065	25,603
Accrued interest receivable	3,257	2,926
Other assets	28,521	26,123
Total Assets	1,675,980	1,640,227
Deposits:
Non-interest bearing	320,679	381,811
Interest bearing	1,151,580	1,139,296
Total Deposits	1,472,259	1,521,107
Securities sold under agreements to repurchase	11,340	13,384
Short-term borrowings	82,542
Accrued interest payable	7,332	986
Other liabilities	16,889	16,474
Total Liabilities	1,590,362	1,551,951
Stockholders' Equity:
Common stock, $1 par value; authorized 20,000,000 shares; 2023 issued 7,756,985 shares; outstanding 7,604,191 shares; 2022 issued 7,739,785 shares; outstanding 7,586,991 shares;	7,757	7,740
Surplus	28,153	27,627
Retained earnings	113,198	106,551
Accumulated other comprehensive loss	(60,955)	(51,107)
Treasury stock, at cost: 152,794 shares at September 30, 2023 and December 31, 2022, respectively	(2,535)	(2,535)
Total Stockholders' Equity	85,618	88,276
Total Liabilities and Stockholders' Equity	$ 1,675,980	$ 1,640,227