Consolidated Balance Sheets - USD ($) $ in Thousands	Jun. 30, 2016	Dec. 31, 2015
ASSETS
Cash and Due From Banks	$ 13,650	$ 11,368
Federal Funds Sold/Short-Term Investments	0	0
Total cash and cash equivalents	13,650	11,368
Investment Securities:
Available for sale, at fair value	111,327	91,422
Held to maturity (fair value of $127,899 and $127,157 at June 30, 2016 and December 31, 2015, respectively)	122,635	123,261
Total investment securities	233,962	214,683
Loans Held for Sale	3,228	5,997
Loans	761,572	682,121
Less- Allowance for loan losses	(7,482)	(7,560)
Net loans	754,090	674,561
Premises and Equipment, Net	10,845	11,109
Accrued Interest Receivable	3,051	2,853
Bank-Owned Life Insurance	21,936	21,583
Other Real Estate Owned	166	966
Goodwill and Intangible Assets	13,082	13,284
Other Assets	14,726	11,587
Total assets	1,068,736	967,991
Deposits
Non-interest bearing	170,793	159,918
Interest bearing	620,693	626,839
Total deposits	791,486	786,757
Borrowings	149,865	58,896
Redeemable Subordinated Debt	18,557	18,557
Accrued Interest Payable	846	846
Accrued Expenses and Other Liabilities	6,354	6,975
Total liabilities	967,108	872,031
SHAREHOLDERS’ EQUITY:
Preferred stock, no par value; 5,000,000 shares authorized, none issued	0	0
Common Stock, no par value; 30,000,000 shares authorized; 7,985,937 and 7,575,492 shares issued and 7,952,639 and 7,545,684 shares outstanding as of June 30, 2016 and December 31, 2015, respectively	71,224	70,845
Retained earnings	30,125	25,589
Treasury Stock, 33,298 shares and 29,808 shares at June 30, 2016 and December 31, 2015, respectively	(368)	(344)
Accumulated other comprehensive income (loss)	647	(130)
Total shareholders’ equity	101,628	95,960
Total liabilities and shareholders’ equity	$ 1,068,736	$ 967,991