Consolidated Statements of Financial Condition - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
ASSETS
Cash and due from banks	$ 7,746	$ 6,757
Interest bearing deposits with banks	247	10
Cash and cash equivalents	7,993	6,767
Securities available for sale	138,348	142,903
Restricted investment in Federal Home Loan Bank (FHLB) stock	3,055	2,726
Investment in unconsolidated subsidiary	4,457	4,369
Total loans	304,123	294,901
Less: Allowance for loan losses	(2,315)	(2,380)
Total loans, net of allowance for loan losses	301,808	292,521
Premises and equipment, net	6,453	6,533
Other real estate owned	558	232
Bank owned life insurance and annuities	14,997	14,807
Investment in low income housing partnership	3,608	3,847
Core deposit intangible	52	74
Goodwill	2,046	2,046
Mortgage servicing rights	204	193
Accrued interest receivable and other assets	3,529	3,511
Total assets	487,108	480,529
Liabilities:
Non-interest bearing deposits	79,043	77,697
Interest bearing deposits	299,723	303,187
Total deposits	378,766	380,884
Securities sold under agreements to repurchase	3,926	4,594
Short-term borrowings	25,450	15,950
Long-term debt	22,500	22,500
Other interest bearing liabilities	1,430	1,412
Accrued interest payable and other liabilities	4,934	5,333
Total liabilities	$ 437,006	$ 430,673
Stockholders' Equity:
Preferred stock, no par value: Authorized - 500,000 shares, none issued
Common stock, par value $1.00 per share: Authorized - 20,000,000 shares Issued - 4,745,826 shares Outstanding - 4,190,683 shares at June 30, 2015; 4,187,441 shares at December 31, 2014	$ 4,746	$ 4,746
Surplus	18,430	18,409
Retained earnings	39,726	39,644
Accumulated other comprehensive loss	(2,117)	(2,197)
Cost of common stock in Treasury: 555,143 shares at June 30, 2015; 558,385 shares at December 31, 2014	(10,683)	(10,746)
Total stockholders' equity	50,102	49,856
Total liabilities and stockholders' equity	$ 487,108	$ 480,529