Consolidated Balance Sheets (Unaudited) (USD $) In Thousands, unless otherwise specified	Sep. 30, 2014		Dec. 31, 2013
Assets
Cash and due from banks	$ 5,213		$ 6,120
Interest-bearing deposits in other banks	46,932		64,997
Federal funds sold	12		9
Securities available for sale	55,202		53,571
Restricted investments	1,294		1,462
Loans	437,873		451,377
Allowance for loan losses	(6,595)		(6,667)
Net loans	431,278		444,710
Bank premises and equipment, net	21,124		15,373
Accrued interest receivable	1,440		1,568
Other real estate owned, net of allowance	1,406		4,085
Bank-owned life insurance	12,365		12,433
Other assets	11,934		11,446
Total assets	588,200		615,774
Deposits:
Noninterest-bearing	88,796		88,423
Interest-bearing:
NOW accounts	201,807		222,507
Savings accounts and money market accounts	124,607		120,457
Time deposits	92,609		108,817
Total interest-bearing	419,023		451,781
Total deposits	507,819		540,204
Federal Home Loan Bank advances	13,092		13,139
Company-obligated mandatorily redeemable capital securities	4,124		4,124
Other liabilities	8,605		7,080
Total liabilities	533,640		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	43,128		40,652
Accumulated other comprehensive income (loss), net	(136)	[1]	(941)	[1]
Total shareholders' equity	54,560		51,227
Total liabilities and shareholders' equity	$ 588,200		$ 615,774

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