Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Assets
Cash and due from banks	$ 3,487	$ 6,200
Interest-bearing deposits	7,669	4,583
Cash and cash equivalents	11,156	10,783
Available-for-sale securities	95,347	108,969
Held-to-maturity securities	8,307	6,989
Loans, net of allowance for loan losses of $2,837 and $2,769 at December 31, 2015 and 2014, respectively	293,121	265,609
Premises and equipment	6,663	6,829
Federal Home Loan Bank stock	4,226	4,226
Foreclosed assets held for sale, net	14	179
Accrued interest receivable	1,149	1,154
Bank-owned life insurance	9,554	9,282
Goodwill	1,719	1,719
Other assets	1,893	1,631
Prepaid federal income taxes	483	343
Total assets	433,632	417,713
Deposits
Demand	101,532	91,921
Savings and money market	132,089	129,222
Time	128,806	127,779
Total deposits	362,427	348,922
Other short-term borrowings	5,606	7,000
Federal Home Loan Bank advances	21,000	16,438
Interest payable and other liabilities	4,258	4,678
Deferred federal income taxes	436	673
Total liabilities	$ 393,727	$ 377,711
Commitments and Contingencies
Stockholders' Equity
Preferred stock, 500,000 shares of $.10 par value authorized; no shares issued
Common stock, $.10 par value; authorized 9,000,000 shares; 3,978,731 shares issued	$ 398	$ 398
Additional paid-in capital	36,017	35,995
Retained earnings	21,060	20,403
Shares acquired by ESOP	(343)	(416)
Accumulated other comprehensive income (loss)	(291)	220
Treasury stock, at cost: Common: 1,196,892 and 1,171,892 shares at December 31, 2015 and 2014, respectively	(16,936)	(16,598)
Total stockholders' equity	39,905	40,002
Total liabilities and stockholders' equity	$ 433,632	$ 417,713