Consolidated Balance Sheets (Unaudited) - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022
Cash and cash equivalents
Cash and due from banks	$ 20,409	$ 19,911
Interest-earning deposits with banks	29,000	66,509
Total cash and cash equivalents	49,409	86,420
Securities
Available-for-sale, at fair value	145,330	150,069
Held-to-maturity (fair value 2023-$187,695; 2022-$211,954)	230,505	247,401
Equity securities	246	244
Restricted stock, at cost	1,561	3,430
Total securities	377,642	401,144
Loans held for sale		52
Loans	680,949	627,171
Less allowance for credit losses	6,691	6,838
Net loans	674,258	620,333
Premises and equipment, net	13,105	13,414
Bank-owned life insurance	25,229	24,709
Goodwill	4,728	4,728
Accrued interest receivable and other assets	12,227	8,308
TOTAL ASSETS	1,156,598	1,159,108
Deposits
Noninterest-bearing	300,018	350,283
Interest-bearing	718,057	673,134
Total deposits	1,018,075	1,023,417
Short-term borrowings	30,734	32,550
Other borrowings	1,808	2,461
Allowance for credit losses on off-balance sheet commitments	492	141
Accrued interest payable and other liabilities	4,079	4,619
Total liabilities	1,055,188	1,063,188
SHAREHOLDERS' EQUITY
Common stock, $6.25 par value. Authorized 9,000,000 shares; issued 2,980,602 shares; outstanding 2,671,313 shares in 2023 and 2,707,576 in 2022	18,629	18,629
Additional paid-in capital	9,815	9,815
Retained earnings	94,614	86,502
Treasury stock at cost: 309,289 shares in 2023 and 273,026 shares in 2022	(7,481)	(6,107)
Accumulated other comprehensive loss	(14,167)	(12,919)
Total shareholders' equity	101,410	95,920
TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY	$ 1,156,598	$ 1,159,108