The following tables summarize the book value and estimated fair value of financial instruments for the periods indicated:

				Fair Value of Financial Instruments Using
December 31, 2014 (in thousands)	Carrying Amount			Quoted Prices in Active Markets for Identical Assets (Level 1)			Other Observable Inputs (Level 2)			Significant Unobservable Inputs (Level 3)			Total Estimated Fair Value
Assets:
Cash and Cash Equivalents	$	77,125		$	77,125		$	-		$	-		$	77,125

Investment Securities Available-for-Sale:
Government Agency & Government-Sponsored Entities		78,109			10,005			68,104			-			78,109
Mortgage Backed Securities		287,948			-			287,948			-			287,948
Other		485			175			310			-			485
Total Investment Securities Available-for-Sale		366,542			10,180			356,362			-			366,542

Investment Securities Held-to-Maturity:
Obligations of States and Political Subdivisions		61,716			-			49,085			13,403			62,488
Other		2,147			-			2,147			-			2,147
Total Investment Securities Held-to-Maturity		63,863			-			51,232			13,403			64,635

FHLB Stock		7,677			N/	A		N/	A		N/	A		N/	A
Loans & Leases, Net of Deferred Fees & Allowance:
Commercial Real Estate		484,061			-			-			481,037			481,037
Agricultural Real Estate		353,022			-			-			353,288			353,288
Real Estate Construction		94,850			-			-			95,022			95,022
Residential 1st Mortgages		170,858			-			-			173,916			173,916
Home Equity Lines and Loans		30,591			-			-			32,456			32,456
Agricultural		275,859			-			-			274,195			274,195
Commercial		222,624			-			-			222,175			222,175
Consumer & Other		4,501			-			-			4,535			4,535
Leases		42,006			-			-			40,298			40,298
Unallocated Allowance		(1,529	)		-			-			(1,529	)		(1,529	)
Total Loans & Leases, Net of Deferred Fees & Allowance		1,676,843			-			-			1,675,393			1,675,393
Accrued Interest Receivable		7,797			-			7,797			-			7,797

Liabilities:
Deposits:
Demand		610,133			610,133			-			-			610,133
Interest Bearing Transaction		341,397			341,397			-			-			341,397
Savings and Money Market		644,260			644,260			-			-			644,260
Time		468,283			-			468,161			-			468,161
Total Deposits		2,064,073			1,595,790			468,161			-			2,063,951
Subordinated Debentures		10,310			-			6,227			-			6,227
Accrued Interest Payable		378			-			378			-			378

				Fair Value of Financial Instruments Using
December 31, 2013 (in thousands)	Carrying Amount			Quoted Prices in Active Markets for Identical Assets (Level 1)			Other Observable Inputs (Level 2)			Significant Unobservable Inputs (Level 3)			Total Estimated Fair Value
Assets:
Cash and Cash Equivalents	$	83,677		$	83,677		$	-		$	-		$	83,677

Investment Securities Available-for-Sale:
Government Agency & Government-Sponsored Entities		28,436			23,394			5,042			-			28,436
Mortgage Backed Securities		324,929			-			324,929			-			324,929
Corporate Securities		49,380			8,191			41,189			-			49,380
Other		1,894			1,584			310			-			1,894
Total Investment Securities Available-for-Sale		404,639			33,169			371,470			-			404,639

Investment Securities Held-to-Maturity:
Obligations of States and Political Subdivisions		65,685			-			51,563			14,307			65,870
Mortgage Backed Securities		45			-			45			-			45
Other		2,775			-			2,775			-			2,775
Total Investment Securities Held-to-Maturity		68,505			-			54,383			14,307			68,690

FHLB Stock		7,187			N/	A		N/	A		N/	A		N/	A
Loans & Leases Net of Deferred Fees & Allowance:
Commercial Real Estate		402,336			-			-			403,790			403,790
Agricultural Real Estate		324,688			-			-			328,704			328,704
Real Estate Construction		40,438			-			-			40,800			40,800
Residential 1st Mortgages		150,184			-			-			153,352			153,352
Home Equity Lines and Loans		32,710			-			-			35,250			35,250
Agricultural		244,209			-			-			242,950			242,950
Commercial		144,701			-			-			145,131			145,131
Consumer & Other		4,876			-			-			4,912			4,912
Unallocated Allowance		12,094			-			-			11,851			11,851
Total Loans & Leases Net of Deferred Fees & Allowance		(2,274	)		-			-			(2,274	)		(2,274	)
Accrued Interest Receivable		1,353,962			-			-			1,364,466			1,364,466
		6,941			-			6,941			-			6,941
Liabilities:
Deposits:
Demand		495,963			495,963			-			-			495,963
Interest Bearing Transaction		291,795			291,795			-			-			291,795
Savings and Money Market		589,511			589,511			-			-			589,511
Time		430,422			-			430,752			-			430,752
Total Deposits		1,807,691			1,377,269			430,752			-			1,808,021
Subordinated Debentures		10,310			-			6,224			-			6,224
Accrued Interest Payable		352			-			352			-			352