Consolidated Balance Sheets (Unaudited) - USD ($) $ in Thousands	Jun. 30, 2021	Dec. 31, 2020
Cash and cash equivalents
Cash and due from banks	$ 17,308	$ 19,281
Interest-earning deposits in other banks	295,036	162,371
Total cash and cash equivalents	312,344	181,652
Securities
Available-for-sale, at fair value	194,164	190,438
Held-to-maturity (fair value 2021-$25,003; 2020-$9,225)	24,878	9,045
Equity securities	99	87
Restricted stock, at cost	4,614	4,614
Total securities	223,755	204,184
Loans held for sale	1,465	1,378
Loans	552,030	609,159
Less allowance for loan losses	7,875	8,274
Net loans	544,155	600,885
Premises and equipment, net	13,431	12,633
Core deposit intangible	22	44
Goodwill	4,728	4,728
Bank-owned life insurance	23,710	21,416
Accrued interest receivable and other assets	5,312	4,712
TOTAL ASSETS	1,128,922	1,031,632
Deposits
Noninterest-bearing	302,688	272,051
Interest-bearing	683,980	619,511
Total deposits	986,668	891,562
Short-term borrowings	38,475	37,215
Other borrowings	3,570	4,664
Accrued interest payable and other liabilities	4,197	4,332
Total liabilities	1,032,910	937,773
SHAREHOLDERS' EQUITY
Common stock, $6.25 par value. Authorized 9,000,000 shares; issued 2,980,602 shares; outstanding 2,734,244 shares 2021 and 2,742,350 shares 2020	18,629	18,629
Additional paid-in capital	9,815	9,815
Retained earnings	73,196	69,209
Treasury stock at cost: 246,358 shares in 2021and 238,252 shares in 2020	(5,093)	(4,780)
Accumulated other comprehensive income (loss)	(535)	986
Total shareholders' equity	96,012	93,859
TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY	$ 1,128,922	$ 1,031,632