Consolidated Balance Sheets - USD ($) $ in Thousands	Jun. 30, 2024	Dec. 31, 2023
ASSETS
Cash and due from banks	$ 17,633	$ 16,133
Interest bearing demand deposits with banks	117,253	61,790
Federal funds sold	1,000	1,000
Cash and Cash Equivalents	135,886	78,923
Securities available for sale	258,812	276,060
Restricted investment in bank stock	1,038	2,458
Loans receivable, net of allowance for credit losses of $12,246 in 2024; $12,461 in 2023	1,250,478	1,241,578
Premises and equipment, net of accumulated depreciation	3,526	3,734
Bank owned life insurance	35,866	26,310
Accrued interest receivable	3,413	3,298
Other assets	27,681	24,135
Total Assets	1,716,700	1,656,496
Deposits:
Non-interest bearing	351,810	328,669
Interest bearing	1,215,790	1,147,564
Total Deposits	1,567,600	1,476,233
Securities sold under agreements to repurchase	19,577	15,237
Short-term borrowings		35,000
Accrued interest payable	7,783	7,844
Other liabilities	19,120	16,527
Total Liabilities	1,614,080	1,550,841
Stockholders' Equity:
Common stock, $1 par value; authorized 20,000,000 shares; 2024 issued 7,779,691 shares; outstanding 7,617,680 shares; 2023 issued 7,758,247 shares; outstanding 7,596,236 shares;	7,780	7,758
Surplus	28,659	28,246
Retained earnings	117,847	116,018
Accumulated other comprehensive loss	(48,999)	(43,700)
Treasury stock, at cost: 162,011 shares at June 30, 2024 and December 31, 2023, respectively	(2,667)	(2,667)
Total Stockholders' Equity	102,620	105,655
Total Liabilities and Stockholders' Equity	$ 1,716,700	$ 1,656,496