CONDENSED CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Mar. 31, 2016	Dec. 31, 2015	Mar. 31, 2015
ASSETS
Cash and due from banks	$ 18,013	$ 25,005	$ 24,242
Federal funds sold	3	3	4
Cash and cash equivalents	18,016	25,008	24,246
Interest-bearing deposits in other financial institutions	4,989	5,089	5,832
Securities available for sale	54,021	53,728	63,313
Federal Home Loan Bank stock	2,169	2,169	2,973
Loans:
Commercial	455,575	450,275	428,439
Mortgage	147,600	152,272	152,016
Consumer	15,450	15,847	17,276
Total Loans	618,625	618,394	597,731
Allowance for loan losses	(4,824)	(5,004)	(5,527)
Net loans	613,801	613,390	592,204
Premises and equipment	12,491	12,524	12,614
Other real estate held for sale	2,684	2,324	2,632
Deferred tax asset	8,523	9,213	10,332
Deposit based intangibles	1,046	1,076	1,167
Goodwill	3,805	3,805	3,805
Other assets	11,387	10,943	9,726
TOTAL ASSETS	732,932	739,269	728,844
Deposits:
Noninterest bearing deposits	117,704	122,775	104,689
NOW, money market, interest checking	207,068	202,784	206,824
Savings	31,994	30,882	29,470
CDs less than $250,000	116,995	124,084	127,639
CDs more than $250,000	7,910	8,532	29,434
Brokered	111,307	121,266	99,857
Total deposits	592,978	610,323	597,913
Borrowings	46,454	45,754	49,839
Fed funds purchased	10,000
Other liabilities	6,105	6,590	6,054
Total liabilities	$ 655,537	$ 662,667	$ 653,806
SHAREHOLDERS' EQUITY:
Preferred stock - No par value: Authorized - 500,000 shares, Issued and outstanding - none
Common stock and additional paid in capital - No par value Authorized - 18,000,000 shares Issued and outstanding - 6,231,246, 6,217,620 and 6,257,450 respectively	$ 61,184	$ 61,133	$ 61,558
Retained earnings	15,746	15,221	12,706
Accumulated other comprehensive income
Unrealized gains on available for sale securities	514	297	823
Minimum pension liability	(49)	(49)	(49)
Total shareholders' equity	77,395	76,602	75,038
TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY	$ 732,932	$ 739,269	$ 728,844