Consolidated Statements of Financial Condition - USD ($)	Jun. 30, 2023	Dec. 31, 2022
ASSETS
Cash and due from banks	$ 14,383,000	$ 10,856,000
Interest bearing deposits with banks	190,000	143,000
Cash and cash equivalents	14,573,000	10,999,000
Equity securities	992,000	1,056,000
Debt securities available for sale	69,098,000	73,536,000
Debt securities held to maturity (fair value $202,266 and $209,887, respectively)	205,208,000	209,565,000
Restricted investment in bank stock	2,483,000	3,666,000
Total loans	505,184,000	484,512,000
Less: Allowance for credit losses	(5,442,000)	(4,027,000)
Total loans, net of allowance for credit losses	499,742,000	480,485,000
Premises and equipment, net	8,211,000	8,190,000
Bank owned life insurance and annuities	14,712,000	15,197,000
Investment in low income housing partnerships	1,315,000	1,507,000
Core deposit and other intangible assets	393,000	121,000
Goodwill	9,871,000	9,047,000
Mortgage servicing rights	87,000	92,000
Deferred tax asset	12,112,000	11,838,000
Accrued interest receivable and other assets	6,664,000	5,576,000
Total assets	845,461,000	830,875,000
Liabilities:
Non-interest bearing	195,300,000	199,131,000
Interest bearing	544,677,000	512,381,000
Total deposits	739,977,000	711,512,000
Short-term borrowings and repurchase agreements	41,827,000	55,710,000
Long-term debt	20,000,000	20,000,000
Other interest bearing liabilities	1,006,000	1,011,000
Accrued interest payable and other liabilities	5,650,000	5,693,000
Total liabilities	808,460,000	793,926,000
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, 2023 and December 31, 2022; Outstanding - 5,018,129 shares at June 30, 2023 and 5,003,059 shares at December 31, 2022	5,151,000	5,151,000
Surplus	24,852,000	24,986,000
Retained earnings	51,291,000	51,217,000
Accumulated other comprehensive loss	(42,013,000)	(41,867,000)
Cost of common stock in Treasury: 133,150 shares at June 30, 2023; 148,220 shares at December 31, 2022	(2,280,000)	(2,538,000)
Total stockholders' equity	37,001,000	36,949,000
Total liabilities and stockholders' equity	$ 845,461,000	$ 830,875,000