UNAUDITED CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2016	Jun. 30, 2015
OPERATING ACTIVITIES:
Net income	$ 3,532	$ 3,452
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization	390	500
Provision for loan losses	313	331
Stock based compensation expense	451	506
Gain on call of AFS securities	(37)	0
Cash surrender value of life insurance	(311)	(310)
Loss on disposal of office properties and equipment	0	1
Changes in assets and liabilities which provided (used) cash:
Accrued interest receivable	(73)	(100)
Prepaid expenses and other assets	411	917
Accrued interest payable	(97)	(3)
Other liabilities	434	(83)
Net cash provided by operating activities	5,013	5,211
Principal collected on:
Investment securities available for sale	7,027	5,756
Investment securities held to maturity	40	142
Loans originated, net of repayments	(8,412)	(7,988)
Purchases of:
Investment securities held to maturity	(375)	(402)
Investment securities available for sale	(14,977)	(10,111)
Federal Home Loan Bank stock	(11)	(50)
Office properties and equipment	(125)	(206)
Proceeds from sale/ maturities/ calls of:
Investment securities held to maturity	577	494
Investment securities available for sale	14,037	0
Real estate owned	1,197	428
Net cash used in investing activities	(1,022)	(11,937)
FINANCING ACTIVITIES:
Increase / decrease in deposits	(5,332)	(7,219)
Dividends paid	(769)	(759)
Exercise of incentive stock options	107	1,046
Purchase of treasury stock	0	(3,223)
Purchase of shares by deferred compensation plans trust	(95)	(94)
Increase in advances from borrowers for taxes and insurance	593	521
Net cash (used in ) provided by financing activities	(5,496)	(9,728)
NET (DECREASE) INCREASE IN CASH AND CASH EQUIVALENTS	(1,505)	(16,454)
CASH AND CASH EQUIVALENTS—Beginning of period	87,710	80,307
CASH AND CASH EQUIVALENTS—End of period	86,205	63,853
SUPPLEMENTAL DISCLOSURES OF CASH FLOW INFORMATION—Cash paid during the period for:
Interest	3,075	3,361
Income Taxes	1,425	2,880
SUPPLEMENTAL DISCLOSURES OF NON-CASH ITEMS
Transfers of loans to real estate owned	$ 1,045	$ 972