Consolidated Balance Sheets (Unaudited) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
Cash and cash equivalents
Cash and due from banks	$ 16,965	$ 19,911
Interest-earning deposits with banks	38,550	66,509
Total cash and cash equivalents	55,515	86,420
Securities
Available-for-sale, at fair value	149,269	150,069
Held-to-maturity (fair value 2023-$213,051; 2022-$211,954)	243,334	247,401
Equity securities	253	244
Restricted stock, at cost	1,760	3,430
Total securities	394,616	401,144
Loans held for sale		52
Loans	647,773	627,171
Less allowance for credit losses	6,307	6,838
Net loans	641,466	620,333
Premises and equipment, net	13,240	13,414
Bank-owned life insurance	24,878	24,709
Goodwill	4,728	4,728
Accrued interest receivable and other assets	8,951	8,308
TOTAL ASSETS	1,143,394	1,159,108
Deposits
Noninterest-bearing	329,500	350,283
Interest-bearing	678,007	673,134
Total deposits	1,007,507	1,023,417
Short-term borrowings	29,813	32,550
Other borrowings	2,394	2,461
Allowance for credit losses on off-balance sheet commitments	430
Accrued interest payable and other liabilities	4,243	4,760
Total liabilities	1,044,387	1,063,188
SHAREHOLDERS' EQUITY
Common stock, $6.25 par value. Authorized 9,000,000 shares; issued 2,980,602 shares; outstanding 2,680,625 shares in 2023 and 2,707,576 in 2022	18,629	18,629
Additional paid-in capital	9,815	9,815
Retained earnings	89,524	86,502
Treasury stock at cost: 299,977 shares in 2023 and 273,026 shares in 2022	(7,126)	(6,107)
Accumulated other comprehensive loss	(11,835)	(12,919)
Total shareholders' equity	99,007	95,920
TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY	$ 1,143,394	$ 1,159,108