Consolidated Statements of Financial Condition - USD ($) $ in Thousands	Jun. 30, 2022	Dec. 31, 2021
ASSETS
Cash and due from banks	$ 14,435	$ 12,928
Interest bearing deposits with banks	8,239	598
Cash and cash equivalents	22,674	13,526
Interest bearing time deposits with banks	245	735
Equity securities	1,044	1,124
Debt securities available for sale	303,627	335,424
Restricted investment in bank stock	2,587	2,116
Total loans	441,079	418,303
Less: Allowance for loan losses	(3,813)	(3,508)
Total loans, net of allowance for loan losses	437,266	414,795
Premises and equipment, net	8,246	8,371
Other real estate owned	0	87
Bank owned life insurance and annuities	16,881	16,852
Investment in low income housing partnerships	1,906	2,306
Core deposit and other intangible assets	148	175
Goodwill	9,047	9,047
Mortgage servicing rights	101	120
Accrued interest receivable and other assets	13,891	5,840
Total assets	817,663	810,518
Liabilities:
Deposits: Non-interest bearing	196,322	182,022
Deposits: Interest bearing	523,535	526,425
Total deposits	719,857	708,447
Short-term borrowings and repurchase agreements	25,029	4,227
Long-term debt	20,000	20,000
Other interest bearing liabilities	1,021	1,568
Accrued interest payable and other liabilities	5,331	4,986
Total liabilities	771,238	739,228
Commitments and contingent liabilities
Stockholders' Equity:
Preferred stock, no par value: Authorized - 500,000 shares, none issued	0	0
Common stock, par value $1.00 per share: Authorized 20,000,000 shares; Issued - 5,151,279 shares at June 30, 2022 and December 31, 2021; Outstanding - 5,003,059 shares at June 30, 2022 and 4,988,542 shares at December 31, 2021	5,151	5,151
Surplus	24,926	25,008
Retained earnings	49,196	47,298
Accumulated other comprehensive loss	(30,310)	(3,365)
Cost of common stock in Treasury: 148,220 shares at June 30, 2022; 162,737 shares at December 31, 2021	(2,538)	(2,802)
Total stockholders' equity	46,425	71,290
Total liabilities and stockholders' equity	$ 817,663	$ 810,518