Balance Sheets - USD ($) $ in Thousands	Sep. 30, 2016	Dec. 31, 2015
ASSETS
Cash and due from banks	$ 16,625	$ 15,087
Interest-bearing deposits with banks	15,776	11,251
Federal funds sold	36
Total Cash and Cash Equivalents	32,437	26,338
Investment securities available-for-sale	74,561	101,642
Loans receivable	464,721	441,169
Allowance for loan losses	(6,358)	(7,493)
Net Loans	458,363	433,676
Bank premises and equipment, net	30,259	28,148
Equity securities (restricted)	2,613	2,441
Other real estate owned	13,194	12,398
Accrued interest receivable	1,924	1,816
Life insurance investments	12,223	12,105
Deferred taxes, net	4,819	5,121
Other assets	3,474	2,213
Total Assets	633,867	625,898
Demand deposits:
Noninterest bearing	152,930	149,714
Interest-bearing	40,623	30,251
Savings deposits	115,007	121,076
Time deposits	247,956	256,978
Total Deposits	556,516	558,019
Federal Home Loan Bank advances	9,058	2,958
Accrued interest payable	294	288
Accrued expenses and other liabilities	2,718	2,050
Trust preferred securities	16,496	16,496
Total Liabilities	585,082	579,811
STOCKHOLDERS' EQUITY
Common stock - $2.00 par value; 50,000,000 shares authorized; 23,354,257 and 23,354,082 shares issued and outstanding at September 30, 2016 and December 31, 2015, respectively	46,708	46,708
Common stock warrants	764	764
Additional paid-in capital	13,965	13,965
Retained deficit	(13,097)	(15,023)
Accumulated other comprehensive income (loss)	445	(327)
Total Liabilities and Stockholders' Equity	$ 633,867	$ 625,898