CONSOLIDATED STATEMENTS OF CONDITION - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
ASSETS
Cash and due from banks	$ 13,468	$ 13,502
Interest bearing deposits with banks	5,289	6,171
Total Cash and Cash Equivalents	18,757	19,673
Securities available for sale	125,693	118,000
Securities held to maturity, fair value $71,363; $73,057	71,542	73,346
Loans held for sale	1,835	1,623
Loans, net of allowance for loan losses $14,747; $15,172	838,213	784,100
Premises and equipment	18,044	17,725
Restricted investment in bank stocks	4,414	4,216
Investment in bank-owned life insurance	39,642	37,942
Investments in low-income housing partnerships	3,345	3,793
Goodwill	6,308	6,308
Intangible assets	1,033	1,196
Foreclosed assets held for resale	580	1,617
Other assets	18,519	20,269
Total Assets	1,147,925	1,089,808
LIABILITIES
Deposits: Non-interest bearing	166,224	144,987
Deposits: Interest bearing	746,756	699,889
Total Deposits	912,980	844,876
Short-term borrowings	35,202	45,699
Long-term borrowings	76,500	80,937
Other liabilities	8,528	8,274
Total Liabilities	1,033,210	979,786
STOCKHOLDERS' EQUITY
Preferred stock, $2.50 par value; 20,000,000 shares authorized; no shares outstanding	0	0
Common stock, $2.50 par value; 20,000,000 shares authorized; 6,102,324 and 6,078,250 shares issued; 6,039,724 and 6,015,650 shares outstanding	15,256	15,196
Treasury stock, at cost (62,600 shares)	(728)	(728)
Additional paid-in capital	10,387	9,948
Retained earnings	94,526	88,329
Accumulated other comprehensive loss	(4,726)	(2,723)
Total Stockholders’ Equity	114,715	110,022
Total Liabilities and Stockholders’ Equity	$ 1,147,925	$ 1,089,808