Balance Sheets - USD ($)	Mar. 31, 2016	Dec. 31, 2015
ASSETS
Cash and due from banks	$ 15,549,000	$ 15,087,000
Interest-bearing deposits with banks	23,838,000	11,251,000
Total Cash and Cash Equivalents	39,387,000	26,338,000
Investment securities available-for-sale	84,710,000	101,642,000
Loans receivable	450,309,000	441,169,000
Allowance for loan losses	(7,219,000)	(7,493,000)
Net Loans	443,090,000	433,676,000
Bank premises and equipment, net	30,812,000	28,148,000
Equity securities (restricted)	2,755,000	2,441,000
Other real estate owned	13,196,000	12,398,000
Accrued interest receivable	1,794,000	1,816,000
Life insurance investments	12,135,000	12,105,000
Deferred taxes, net	4,960,000	5,121,000
Other assets	3,620,000	2,213,000
Total Assets	636,459,000	625,898,000
Demand deposits:
Noninterest bearing	147,970,000	149,714,000
Interest-bearing	42,691,000	30,251,000
Savings deposits	113,260,000	121,076,000
Time deposits	251,295,000	256,978,000
Total Deposits	555,216,000	558,019,000
Federal Home Loan Bank advances	12,658,000	2,958,000
Accrued interest payable	287,000	288,000
Accrued expenses and other liabilities	4,568,000	2,050,000
Trust preferred securities	16,496,000	16,496,000
Total Liabilities	589,225,000	579,811,000
STOCKHOLDERS' EQUITY
Common stock - $2.00 par value; 50,000,000 shares authorized; 23,354,082 shares issued and outstanding	46,708,000	46,708,000
Common stock warrants	764,000	764,000
Additional paid-in capital	13,965,000	13,965,000
Retained deficit	(14,325,000)	(15,023,000)
Accumulated other comprehensive income (loss)	122,000	(327,000)
Total Stockholders' Equity	47,234,000	46,087,000
Total Liabilities and Stockholders' Equity	$ 636,459,000	$ 625,898,000