CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014
ASSETS
Cash and due from banks	$ 12,152	$ 12,834
Federal funds sold	5,312	41,273
Securities:
Available for sale, at fair value	115,460	141,816
Restricted securities, at cost	1,586	1,565
Total securities	117,046	143,381
Loans	390,098	313,254
Allowance for loan losses	(3,513)	(3,164)
Loans, net	386,585	310,090
Premises and equipment, net	8,875	9,465
Other real estate owned, net of valuation allowance	540	1,177
Bank owned life insurance	13,364	13,034
Accrued interest receivable and other assets	4,899	5,799
Total assets	548,773	537,053
Demand deposits:
Noninterest-bearing	174,605	152,107
Interest-bearing	79,248	93,208
Money market deposit accounts	104,960	94,310
Certificates of deposit and other time deposits	112,832	117,094
Total deposits	471,645	456,719
Securities sold under agreements to repurchase	19,436	17,995
Accrued interest payable and other liabilities	1,290	1,707
Total liabilities	$ 492,371	$ 476,421
Shareholders' equity:
Preferred stock, $2.50 par value, 2,000,000 shares authorized, no shares outstanding
Common stock, $2.50 par value, 10,000,000 shares authorized; 2,435,874 and 2,688,336 issued and outstanding at September 30, 2015 and December 31, 2014, respectively	$ 6,090	$ 6,721
Capital surplus	22,757	27,889
Retained earnings	27,310	25,978
Accumulated other comprehensive income	245	44
Total shareholders' equity	56,402	60,632
Total liabilities and shareholders' equity	$ 548,773	$ 537,053