Consolidated Balance Sheets (Unaudited) (USD $) In Thousands, unless otherwise specified	Mar. 31, 2015		Dec. 31, 2014
Assets
Cash and due from banks	$ 5,228		$ 6,831
Interest-bearing deposits in other banks	48,016		57,534
Federal funds sold	10		11
Securities available for sale	55,752		57,406
Restricted investments	1,286		1,294
Loans	444,704		440,461
Allowance for loan losses	(5,386)		(5,391)
Net loans	439,318		435,070
Bank premises and equipment, net	20,917		21,068
Accrued interest receivable	1,434		1,473
Other real estate owned, net of allowance	1,406		1,406
Bank-owned life insurance	12,549		12,458
Other assets	11,468		11,735
Total assets	597,384		606,286
Deposits:
Noninterest-bearing	92,210		87,971
Interest-bearing:
Checking	211,110		222,371
Savings and money market accounts	133,754		126,714
Time deposits	79,083		88,159
Total interest-bearing	423,947		437,244
Total deposits	516,157		525,215
Federal Home Loan Bank advances	13,058		13,075
Company-obligated mandatorily redeemable capital securities	4,124		4,124
Other liabilities	8,357		8,715
Total liabilities	541,696		551,129
Shareholders' Equity
Common stock, par value, $3.13; authorized 8,000,000 shares; issued and outstanding: 2015: 3,744,562 shares including 33,267 non-vested shares; 2014: 3,730,877 shares including 34,965 non-vested shares	11,616		11,568
Retained earnings	44,035		43,690
Accumulated other comprehensive income (loss), net	37	[1]	(101)	[1]
Total shareholders' equity	55,688		55,157
Total liabilities and shareholders' equity	$ 597,384		$ 606,286

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