Consolidated Statements of Financial Condition - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
ASSETS
Cash and due from banks	$ 5,085	$ 17,189
Interest bearing deposits with banks	8,352	11,741
Cash and cash equivalents	13,437	28,930
Equity securities	1,060	1,073
Debt securities available for sale	66,639	67,564
Debt securities held to maturity (fair value $193,182 and $198,147, respectively)	198,680	200,644
Restricted investment in bank stock	2,018	1,707
Total loans	536,716	525,394
Less: Allowance for credit losses	(5,792)	(5,677)
Total loans, net of allowance for credit losses	530,924	519,717
Premises and equipment, net	8,135	8,180
Bank owned life insurance and annuities	14,900	14,841
Investment in low income housing partnerships	1,073	1,154
Core deposit and other intangible assets	321	343
Goodwill	9,812	9,812
Mortgage servicing rights	81	83
Deferred tax asset	11,033	11,319
Accrued interest receivable and other assets	6,305	5,188
Total assets	864,418	870,555
Liabilities:
Non-interest bearing	199,770	197,027
Interest bearing	538,650	552,018
Total deposits	738,420	749,045
Short-term borrowings and repurchase agreements	57,214	52,810
Long-term debt	20,000	20,000
Other interest bearing liabilities	884	951
Accrued interest payable and other liabilities	6,418	7,612
Total liabilities	822,936	830,418
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 March 31, 2024 and December 31, 2023; Outstanding - 5,000,518 shares at March 31, 2024 and 4,991,129 shares at December 31, 2023	5,151	5,151
Surplus	24,802	24,924
Retained earnings	51,554	51,297
Accumulated other comprehensive loss	(37,583)	(38,640)
Cost of common stock in Treasury: 150,761 shares at March 31, 2024; 160,150 shares at December 31, 2023	(2,442)	(2,595)
Total stockholders' equity	41,482	40,137
Total liabilities and stockholders' equity	$ 864,418	$ 870,555