CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Dec. 31, 2017	Dec. 31, 2016
ASSETS
Cash and due from banks	$ 37,420	$ 44,620
Federal funds sold	6	2,135
Cash and cash equivalents	37,426	46,755
Interest-bearing deposits in other financial institutions	13,374	14,047
Securities available for sale	75,897	86,273
Federal Home Loan Bank stock	3,112	2,911
Loans:
Commercial	572,936	543,573
Mortgage	220,708	218,171
Consumer	17,434	20,113
Total Loans	811,078	781,857
Allowance for loan losses	(5,079)	(5,020)
Net loans	805,999	776,837
Premises and equipment	16,290	15,891
Other real estate held for sale	3,558	4,782
Deferred tax asset	4,970	8,760
Deposit based intangibles	1,922	2,172
Goodwill	5,694	5,694
Other assets	17,125	19,398
TOTAL ASSETS	985,367	983,520
Deposits:
Noninterest bearing deposits	148,079	164,179
NOW, money market, interest checking	280,309	286,622
Savings	61,097	58,315
CDs less than $250,000	142,159	141,629
CDs more than $250,000	11,055	8,489
Brokered	175,299	164,278
Total deposits	817,998	823,512
Federal funds purchased		6,000
Borrowings	79,552	67,579
Other liabilities	6,417	7,820
Total liabilities	903,967	904,911
SHAREHOLDERS' EQUITY:
Common stock and additional paid in capital - No par value Authorized - 18,000,000 shares Issued and outstanding - 6,294,930 and 6,263,371 respectively	61,981	61,583
Retained earnings	19,711	17,206
Accumulated other comprehensive income (loss)
Unrealized (losses) on available for sale securities	(71)	(102)
Minimum pension liability	(221)	(78)
Total shareholders' equity	81,400	78,609
TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY	$ 985,367	$ 983,520