Consolidated Balance Sheets (Unaudited) (USD $) In Thousands, unless otherwise specified	Jun. 30, 2014		Dec. 31, 2013
Assets
Cash and due from banks	$ 5,168		$ 6,120
Interest-bearing deposits in other banks	53,697		64,997
Federal funds sold	12		9
Securities available for sale	57,742		53,571
Restricted investments	1,294		1,462
Loans	443,305		451,377
Allowance for loan losses	(6,753)		(6,667)
Net loans	436,552		444,710
Bank premises and equipment, net	20,066		15,373
Accrued interest receivable	1,544		1,568
Other real estate owned, net of allowance	1,406		4,085
Bank-owned life insurance	12,624		12,433
Other assets	10,669		11,446
Total assets	600,774		615,774
Deposits:
Noninterest-bearing	89,798		88,423
Interest-bearing:
NOW accounts	211,495		222,507
Savings accounts and money market accounts	124,766		120,457
Time deposits	96,691		108,817
Total interest-bearing	432,952		451,781
Total deposits	522,750		540,204
Federal Home Loan Bank advances	13,107		13,139
Company-obligated mandatorily redeemable capital securities	4,124		4,124
Other liabilities	7,289		7,080
Total liabilities	547,270		564,547
Shareholders' Equity
Common stock, par value, $3.13; authorized 8,000,000 shares; issued and outstanding: 2013: 3,713,342 shares including 34,109 non-vested shares: 2012: 3,695,160 shares including 31,423 non-vested shares	11,568		11,516
Retained earnings	42,115		40,652
Accumulated other comprehensive income (loss), net	(179)	[1]	(941)	[1]
Total shareholders' equity	53,504		51,227
Total liabilities and shareholders' equity	$ 600,774		$ 615,774

[1] All amounts are net of tax. Amounts in parentheses indicate debits.