Consolidated Statements of Condition - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014	Sep. 30, 2014
ASSETS
Cash and due from banks	$ 13,013	$ 13,502	$ 14,338
Interest bearing deposits with banks	33,076	6,171	9,670
Total Cash and Cash Equivalents	46,089	19,673	24,008
Securities available for sale	108,708	118,000	122,064
Securities held to maturity, fair value $74,069; $74,338; $73,057	73,507	73,346	75,407
Loans held for sale	1,229	1,623	1,482
Loans, net of allowance for loan losses $14,762; $15,421; $15,172	810,490	784,100	750,920
Premises and equipment	17,952	17,725	16,871
Restricted investment in bank stocks	4,078	4,216	5,239
Investment in bank-owned life insurance	39,366	37,942	37,667
Investments in low-income housing partnerships	3,457	3,793	3,974
Goodwill	6,308	6,308	6,308
Intangible assets	1,118	1,196	1,359
Foreclosed assets held for resale	599	1,617	1,688
Other assets	19,642	20,269	20,544
Total Assets	1,132,543	1,089,808	1,067,531
LIABILITIES
Deposits: Non-interest bearing	156,962	144,987	142,696
Deposits: Interest bearing	738,407	699,889	681,316
Total Deposits	895,369	844,876	824,012
Short-term borrowings	37,724	45,699	53,824
Long-term borrowings	75,500	80,937	69,505
Other liabilities	9,405	8,274	8,482
Total Liabilities	1,017,998	979,786	955,823
STOCKHOLDERS’ EQUITY
Preferred Stock, $2.50 par value; 20,000,000 shares authorized; no shares outstanding	0	0	0
Common stock, $2.50 par value; 20,000,000 shares authorized; 6,097,235, 6,073,929 and 6,078,250 shares issued; 6,034,635, 6,011,329 and 6,015,650 shares outstanding	15,243	15,196	15,185
Treasury stock, at cost (62,600 shares)	(728)	(728)	(728)
Additional paid-in capital	10,290	9,948	9,959
Retained earnings	92,881	88,329	87,069
Accumulated other comprehensive (loss) income	(3,141)	(2,723)	223
Total Stockholders’ Equity	114,545	110,022	111,708
Total Liabilities and Stockholders’ Equity	$ 1,132,543	$ 1,089,808	$ 1,067,531