Balance Sheets - USD ($)	Mar. 31, 2017	Dec. 31, 2016
ASSETS
Cash and due from banks	$ 17,924,000	$ 18,500,000
Interest-bearing deposits with banks	21,664,000	16,816,000
Federal funds sold	108,000	132,000
Total Cash and Cash Equivalents	39,696,000	35,448,000
Investment securities available-for-sale	72,010,000	70,011,000
Loans receivable	476,490,000	468,629,000
Allowance for loan losses	(5,968,000)	(6,072,000)
Net Loans	470,522,000	462,557,000
Bank premises and equipment, net	29,937,000	29,985,000
Equity securities (restricted)	2,585,000	2,802,000
Other real estate owned	10,161,000	10,655,000
Accrued interest receivable	1,734,000	1,848,000
Life insurance investments	12,301,000	12,274,000
Deferred taxes, net	5,255,000	5,285,000
Other assets	3,393,000	3,470,000
Total Assets	647,594,000	634,335,000
Demand deposits:
Noninterest bearing	159,301,000	151,914,000
Interest-bearing	41,663,000	40,213,000
Savings deposits	123,403,000	114,492,000
Time deposits	248,384,000	247,819,000
Total Deposits	572,751,000	554,438,000
Federal Home Loan Bank advances	8,458,000	13,758,000
Accrued interest payable	342,000	331,000
Accrued expenses and other liabilities	2,455,000	2,395,000
Trust preferred securities	16,496,000	16,496,000
Total Liabilities	600,502,000	587,418,000
STOCKHOLDERS' EQUITY
Common stock - $2.00 par value; 50,000,000 shares authorized; 23,355,457 and 23,354,457 shares issued and outstanding at March 31, 2017 and December 31, 2016, respectively	46,711,000	46,709,000
Common stock warrants	763,000	764,000
Additional paid-in capital	13,965,000	13,965,000
Retained deficit	(13,950,000)	(14,065,000)
Accumulated other comprehensive income (loss)	(397,000)	(456,000)
Total Stockholders' Equity	47,092,000	46,917,000
Total Liabilities and Stockholders' Equity	$ 647,594,000	$ 634,335,000