CONSOLIDATED BALANCE SHEETS (USD $) In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013
ASSETS
Cash and due from banks	$ 16,727	$ 15,596
Interest bearing deposits in other banks	26,685	8,981
Total cash and cash equivalents	43,412	24,577
Securities available for sale (at fair value)	295,822	300,328
Loans held for sale	506	59
Loans (net of unearned income)	471,168	438,220
Less: Allowance for loan losses	7,141	7,219
Net loans	464,027	431,001
Premises and equipment	22,447	23,012
Regulatory stock	3,227	3,660
Bank-owned life insurance	20,603	19,911
Other assets	7,164	9,708
Total assets	857,208	812,256
Deposits:
Non-interest bearing	210,444	173,070
Interest bearing	489,207	483,556
Total deposits	699,651	656,626
Short-term borrowings		3,900
Long-term debt	62,300	65,000
Other liabilities	2,490	2,954
Total liabilities	764,441	728,480
Stockholders' equity:
Common stock, par value $0.20; Shares: Authorized 12,000,000 Issued 2,869,557 and Outstanding 2,856,836 (Issued 2,869,557 and Outstanding 2,856,026 as of 12-31-13)	574	574
Capital surplus	4,375	4,353
Retained earnings	87,200	83,165
Accumulated other comprehensive income (loss), net of tax	1,002	(3,940)
Less: Treasury stock cost on 12,721 shares (13,531 shares as of 12-31-13)	(384)	(376)
Total stockholders' equity	92,767	83,776
Total liabilities and stockholders' equity	$ 857,208	$ 812,256