Consolidated Balance Sheets (USD $) In Thousands, unless otherwise specified	Sep. 30, 2014	Dec. 31, 2013	Sep. 30, 2013
ASSETS
Cash and due from banks	$ 22,399	$ 18,216	$ 22,791
Federal funds sold	2	3	3
Cash and cash equivalents	22,401	18,219	22,794
Interest-bearing deposits in other financial institutions	235	10	10
Securities available for sale	48,742	44,388	48,096
Federal Home Loan Bank stock	3,060	3,060	3,060
Loans:
Commercial	383,759	359,368	353,526
Mortgage	119,039	110,663	104,504
Consumer	15,575	13,801	14,465
Total Loans	518,373	483,832	472,495
Allowance for loan losses	(5,279)	(4,661)	(4,959)
Net loans	513,094	479,171	467,536
Premises and equipment	9,821	10,210	10,484
Other real estate held for sale	1,843	1,884	2,568
Deferred Tax Asset	8,681	9,933	7,953
Other assets	6,066	5,925	5,416
TOTAL ASSETS	613,943	572,800	567,917
Deposits:
Noninterest bearing deposits	84,073	72,936	70,063
NOW, money market, interest checking	173,793	149,123	158,588
Savings	15,263	13,039	12,694
CDs less than $100,000	130,821	140,495	133,821
CDs more than $100,000	24,891	23,159	23,816
Brokered	62,365	67,547	62,706
Total deposits	491,206	466,299	461,688
Borrowings	44,909	37,852	35,852
Other liabilities	3,196	3,400	3,332
Total liabilities	546,811	507,551	500,872
Borrowings:
Fed funds purchased	7,500
SHAREHOLDERS' EQUITY:
Preferred stock - No par value: Authorized 500,000 shares, Issued and outstanding - none and 4,000 shares			4,000
Common stock and additional paid in capital - No par value Authorized - 18,000,000 shares Issued and outstanding - 5,564,815; 5,541,390; and 5,581,339 shares respectively	53,800	53,621	53,915
Retained earnings	12,923	11,412	8,780
Accumulated other comprehensive income	409	216	350
Total shareholders' equity	67,132	65,249	67,045
TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY	$ 613,943	$ 572,800	$ 567,917