Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Assets
Cash and due from banks	$ 4,217	$ 4,822
Federal funds sold and overnight deposits	13,744	36,922
Cash and cash equivalents	17,961	41,744
Interest bearing deposits in banks	12,753	12,252
Investment securities available-for-sale	54,110	45,749
Investment securities held-to-maturity (fair value $5.1 million and $7.1 million at December 31, 2015 and December 31, 2014, respectively)	5,217	7,215
Loans held for sale	5,635	10,743
Loans	500,506	479,978
Allowance for loan losses	(5,201)	(4,694)
Net deferred loan costs	515	355
Net loans	495,820	475,639
Accrued interest receivable	1,832	1,854
Premises and equipment, net	13,055	11,853
Core deposit intangible	925	1,096
Goodwill	2,223	2,223
Investment in real estate limited partnerships	2,373	2,824
Company-owned life insurance	8,800	3,517
Other assets	8,175	7,354
Total assets	628,879	624,063
Deposits
Noninterest bearing	99,826	90,385
Interest bearing	310,203	302,722
Time	150,379	158,957
Total deposits	560,408	552,064
Borrowed funds	9,564	15,118
Accrued interest and other liabilities	5,339	5,447
Total liabilities	$ 575,311	$ 572,629
Commitments and Contingencies (Notes 8, 15, 16, 17, 18 and 21)
Stockholders’ Equity
Common stock, $2.00 par value; 7,500,000 shares authorized; 4,931,796 shares issued at December 31, 2015 and 4,929,296 shares issued at December 31, 2014	$ 9,864	$ 9,859
Additional-paid-in capital	501	418
Retained earnings	49,524	46,462
Treasury stock at cost; 474,619 shares at December 31, 2015 and 470,866 shares at December 31, 2014	(4,019)	(3,925)
Accumulated other comprehensive loss	(2,302)	(1,380)
Total stockholders' equity	53,568	51,434
Total liabilities and stockholders' equity	$ 628,879	$ 624,063