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

				Fair Value of Financial Instruments Using
September 30, 2015 (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	$	50,300		$	50,300	$	-	$	-		$	50,300

Investment Securities Available-for-Sale:
Government Agency & Government-Sponsored Entities		41,513			-		41,513		-			41,513
U.S. Treasury Notes		30,300			30,300		-		-			30,300
Mortgage Backed Securities		256,195			-		256,195		-			256,195
Corporate Securities		16,235			-		16,235		-			16,235
Other		485			175		310		-			485
Total Investment Securities Available-for-Sale		344,728			30,475		314,253		-			344,728

Investment Securities Held-to-Maturity:
Obligations of States and Political Subdivisions		64,134			-		51,966		12,800			64,766
Other		2,123			-		2,123		-			2,123
Total Investment Securities Held-to-Maturity		66,257			-		54,089		12,800			66,889

FHLB Stock		7,795			N/A		N/A		N/A			N/A
Loans & Leases, Net of Deferred Fees & Allowance:
Commercial Real Estate		549,498			-		-		552,323			552,323
Agricultural Real Estate		425,130			-		-		415,304			415,304
Real Estate Construction		159,374			-		-		159,295			159,295
Residential 1st Mortgages		196,141			-		-		199,565			199,565
Home Equity Lines and Loans		29,678			-		-		31,314			31,314
Agricultural		244,645			-		-		243,495			243,495
Commercial		202,246			-		-		200,932			200,932
Consumer & Other		6,519			-		-		6,543			6,543
Leases		58,349							58,854			58,854
Unallocated Allowance		(400	)		-		-		(400	)		(400	)
Total Loans & Leases, Net of Deferred Fees & Allowance		1,871,180			-		-		1,867,225			1,867,225
Accrued Interest Receivable		10,548			-		10,548		-			10,548

Liabilities:
Deposits:
Demand		603,430			603,430		-		-			603,430
Interest Bearing Transaction		373,193			373,193		-		-			373,193
Savings and Money Market		672,052			672,052		-		-			672,052
Time		483,967			-		484,018		-			484,018
Total Deposits		2,132,642			1,648,675		484,018		-			2,132,693
FHLB Advances & Securities Sold Under Agreement to Repurchase		5,500			-		5,500		-			5,500
Subordinated Debentures		10,310			-		6,292		-			6,292
Accrued Interest Payable		590			-		590		-			590

				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
September 30, 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	$	39,216		$	39,216	$	-	$	-		$	39,216

Investment Securities Available-for-Sale:
Government Agency & Government-Sponsored Entities		13,361			13,361		-		-			13,361
Mortgage Backed Securities		322,680			39,566		283,114		-			322,680
Other		485			175		310		-			485
Total Investment Securities Available-for-Sale		336,526			53,102		283,424		-			336,526

Investment Securities Held-to-Maturity:
Obligations of States and Political Subdivisions		67,206			-		54,375		13,539			67,914
Other		2,235			-		2,235		-			2,235
Total Investment Securities Held-to-Maturity		69,441			-		56,610		13,539			70,149

FHLB Stock		7,677			N/A		N/A		N/A			N/A
Loans & Leases, Net of Deferred Fees & Allowance:
Commercial Real Estate		465,707			-		-		462,469			462,469
Agricultural Real Estate		360,215			-		-		360,976			360,976
Real Estate Construction		102,783			-		-		103,095			103,095
Residential 1st Mortgages		167,168			-		-		169,971			169,971
Home Equity Lines and Loans		30,608			-		-		32,601			32,601
Agricultural		231,739			-		-		230,572			230,572
Commercial		184,889			-		-		184,466			184,466
Consumer & Other		4,595			-		-		4,619			4,619
Leases		35,063							33,519			33,519
Unallocated Allowance		(1,263	)		-		-		(1,263	)		(1,263	)
Total Loans & Leases, Net of Deferred Fees & Allowance		1,581,504			-		-		1,581,025			1,581,025
Accrued Interest Receivable		8,986			-		8,986		-			8,986

Liabilities:
Deposits:
Demand		516,093			516,093		-		-			516,093
Interest Bearing Transaction		326,368			326,368		-		-			326,368
Savings and Money Market		614,137			614,137		-		-			614,137
Time		419,615			-		419,663		-			419,663
Total Deposits		1,876,213			1,456,598		419,663		-			1,876,261
FHLB Advances & Securities Sold Under Agreement to Repurchase		36,000			-		36,000		-			36,000
Subordinated Debentures		10,310			-		6,227		-			6,227
Accrued Interest Payable		314			-		314		-			314

Fair value estimates presented herein are based on pertinent information available to management as of September 30, 2015, December 31, 2014, and September 30, 2014. Although management is not aware of any factors that would significantly affect the estimated fair value amounts, such amounts have not been comprehensively revalued for purpose of these financial statements since that date, and; therefore, current estimates of fair value may differ significantly from the amounts presented above. The methods and assumptions used to estimate the fair value of each class of financial instrument listed in the table above are explained below.