Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
ASSETS
Cash and due from banks	$ 15,087	$ 14,622
Interest-bearing deposits with banks	$ 11,251	20,933
Federal funds sold		5
Total Cash and Cash Equivalents	$ 26,338	35,560
Investment securities available-for-sale	101,642	100,069
Loans receivable	441,169	457,549
Allowance for loan losses	(7,493)	(9,922)
Net Loans	433,676	447,627
Bank premises and equipment, net	28,148	28,766
Equity securities (restricted)	2,441	2,369
Other real estate owned	12,398	15,049
Accrued interest receivable	1,816	1,975
Life insurance investments	12,105	12,268
Deferred taxes, net	5,121	4,988
Other assets	2,213	2,413
Total Assets	625,898	651,084
Demand deposits:
Noninterest bearing	149,714	143,950
Interest-bearing	30,251	29,567
Savings deposits	121,076	111,701
Time deposits	256,978	299,974
Total Deposits	558,019	585,192
FHLB advances	2,958	4,158
Accrued interest payable	288	266
Accrued expenses and other liabilities	2,050	2,121
Trust preferred securities	16,496	16,496
Total Liabilities	579,811	608,233
STOCKHOLDERS' EQUITY
Common stock - $2.00 par value; 50,000,000 shares authorized; 23,354,082 and 22,878,654 shares issued and outstanding at December 31, 2015 and 2014, respectively	46,708	45,757
Common stock warrants	764	1,176
Additional paid-in capital	13,965	13,672
Retained deficit	(15,023)	(17,685)
Accumulated other comprehensive loss	(327)	(69)
Total Stockholders' Equity	46,087	42,851
Total Liabilities and Stockholders' Equity	$ 625,898	$ 651,084