CONSOLIDATED BALANCE SHEET (USD $) In Thousands, unless otherwise specified	Sep. 30, 2014	Dec. 31, 2013
ASSETS:
Noninterest-bearing balances	$ 19,556	$ 23,723
Interest-bearing balances in other financial institutions	5,686	770
Federal funds sold	0	113
Total cash and cash equivalents	25,242	24,606
Investment securities available for sale, at fair value	233,634	288,612
Loans held for sale	1,602	1,626
Loans	890,727	818,344
Allowance for loan losses	(9,250)	(10,144)
Loans, net	881,477	808,200
Premises and equipment, net	21,509	20,184
Accrued interest receivable	4,298	4,696
Bank-owned life insurance	25,781	25,410
Investment in limited partnerships	1,725	2,221
Goodwill	17,104	17,104
Intangibles	1,538	1,801
Deferred tax asset	7,036	9,889
Other assets	6,176	7,646
TOTAL ASSETS	1,227,122	1,211,995
LIABILITIES:
Interest-bearing deposits	756,540	755,625
Noninterest-bearing deposits	232,588	217,377
Total deposits	989,128	973,002
Short-term borrowings	17,213	26,716
Long-term borrowings	71,202	71,202
Accrued interest payable	411	405
Other liabilities	12,164	12,855
TOTAL LIABILITIES	1,090,118	1,084,180
SHAREHOLDERS’ EQUITY:
Preferred stock, no par value, 3,000,000 shares authorized; no shares issued	0	0
Common stock, par value $8.33, 15,000,000 shares authorized; 5,001,972 and 4,999,929 shares issued	41,682	41,665
Additional paid-in capital	49,871	49,800
Retained earnings	52,482	47,554
Accumulated other comprehensive loss:
Net unrealized gain (loss) on available for sale securities	2,514	(2,169)
Defined benefit plan	(2,725)	(2,725)
Treasury stock at cost, 192,340 and 180,596 shares	(6,820)	(6,310)
TOTAL SHAREHOLDERS’ EQUITY	137,004	127,815
TOTAL LIABILITIES AND SHAREHOLDERS’ EQUITY	$ 1,227,122	$ 1,211,995