Statements of Operations - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
INTEREST AND DIVIDEND INCOME
Loans including fees	$ 23,671	$ 24,875
Federal funds sold	2	3
Interest-earning deposits with banks	91	155
Investments	1,759	1,482
Dividends on equity securities (restricted)	132	129
Total Interest and Dividend Income	25,655	26,644
Deposits
Demand	37	37
Savings	173	180
Time deposits below $100,000	1,343	1,829
Time deposits above $100,000	916	1,270
FHLB advances	145	195
Trust Preferred Securities	440	545
Total Interest Expense	3,054	4,056
NET INTEREST INCOME	22,601	$ 22,588
PROVISION FOR LOAN LOSSES	(2,200)
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES	24,801	$ 22,588
NONINTEREST INCOME
Service charges	2,216	2,191
Fees, commission and other income	3,247	3,572
Insurance and investment fees	559	391
Net realized gains on sale of investment securities	35	2
Life insurance investment income	346	85
Total Noninterest Income	6,403	6,241
NONINTEREST EXPENSES
Salaries and employee benefits	11,823	12,725
Occupancy and equipment expenses	3,865	3,886
Advertising and public relations	407	463
Data processing and telecommunications	2,149	2,244
FDIC insurance premiums	842	1,427
Other real estate owned and repossessed assets, net	4,088	2,286
Other operating expenses	5,349	5,563
Total Noninterest Expenses	28,523	28,594
INCOME BEFORE INCOME TAXES	2,681	235
INCOME TAX EXPENSE (BENEFIT)	19	(5)
NET INCOME	$ 2,662	$ 240
Income Per Share
Basic and Fully Diluted	$ 0.12	$ 0.01
Average Weighted Shares of Common Stock
Basic and Fully Diluted	22,955,391	22,099,926