Consolidated Statements of Cash Flows - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2016	Jun. 30, 2015
OPERATING ACTIVITIES:
Net Income	$ 4,536	$ 4,575
Adjustments to reconcile net income to net cash provided by operating activities-
(Credit) provision for loan losses	(300)	500
Provision for loss on other real estate owned	0	382
Depreciation and amortization	646	777
Net amortization of premiums and discounts on securities	547	460
Gains on sales of other real estate owned	(31)	0
Gains on sales of loans held for sale	(1,650)	(2,495)
Originations of loans held for sale	(35,727)	(78,539)
Proceeds from sales of loans held for sale	38,497	77,680
Income on Bank–owned life insurance	(301)	(276)
Share-based compensation expense	362	326
(Increase) decrease in accrued interest receivable	(198)	120
Decrease in other assets	175	1,336
Decrease in accrued interest payable	0	(52)
Decrease in accrued expenses and other liabilities	(621)	(163)
Net cash provided by operating activities	5,935	4,631
Purchases of securities -
Available for sale	(26,138)	(7,071)
Held to maturity	(13,997)	(7,578)
Proceeds from maturities and prepayments of securities -
Available for sale	7,591	11,093
Held to maturity	14,581	24,411
Proceeds from Bank-owned life insurance benefits paid	248	0
Net redemption (purchase) of restricted stock	(2,670)	(4,741)
Net increase in loans	(79,451)	(104,209)
Capital expenditures	(181)	(656)
Cost of improvement to OREO	(60)	0
Proceeds from sales of other real estate owned	1,033	0
Purchase of Bank-owned life insurance	(300)	0
Net cash used in investing activities	(99,344)	(88,751)
FINANCING ACTIVITIES:
Exercise of stock options	17	24
Purchase of treasury stock	(24)	(33)
Net increase (decrease) in deposits	4,729	(19,672)
Net increase in borrowings	90,969	105,620
Net cash provided by financing activities	95,691	85,939
Increase in cash and cash equivalents	2,282	1,819
CASH AND CASH EQUIVALENTS AT BEGINNING OF PERIOD	11,368	14,545
CASH AND CASH EQUIVALENTS AT END OF PERIOD	13,650	16,364
Cash paid during the period for -
Interest	2,442	2,349
Income taxes	2,161	2,275
Non-cash items
Transfer of loans to other real estate owned	$ 142	$ 0