Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Cash and cash equivalents
Cash and due from banks	$ 19,543	$ 19,281
Interest-earning deposits in other banks	224,114	162,371
Total cash and cash equivalents	243,657	181,652
Securities
Available-for-sale, at fair value	131,708	190,438
Held-to-maturity; fair value of $174,528 in 2021 and $9,225 in 2020	174,808	9,045
Equity securities	115	87
Restricted stock, at cost	4,614	4,614
Total securities	311,245	204,184
Loans held for sale	231	1,378
Loans	549,154	609,159
Less allowance for loan losses	7,618	8,274
Net loans	541,536	600,885
Premises and equipment, net	13,866	12,633
Core deposit intangible		44
Goodwill	4,728	4,728
Bank-owned life insurance	24,035	21,416
Accrued interest receivable and other assets	4,941	4,712
TOTAL ASSETS	1,144,239	1,031,632
Deposits
Noninterest-bearing	334,346	272,051
Interest-bearing	668,401	619,511
Total deposits	1,002,747	891,562
Short-term borrowings	36,530	37,215
Other borrowings	3,407	4,664
Accrued interest payable and other liabilities	4,240	4,332
Total liabilities	1,046,924	937,773
SHAREHOLDERS’ EQUITY
Common stock, $6.25 par value. Authorized 9,000,000 shares; issued 2,980,602 shares; and outstanding 2,718,024 shares in 2021 and 2,742,350 in 2020	18,629	18,629
Additional paid-in capital	9,815	9,815
Retained earnings	76,715	69,209
Treasury stock at cost: 262,578 shares in 2021, 238,252 shares in 2020	(5,719)	(4,780)
Accumulated other comprehensive income (loss)	(2,125)	986
Total shareholders’ equity	97,315	93,859
TOTAL LIABILITIES AND SHAREHOLDERS’ EQUITY	$ 1,144,239	$ 1,031,632