CONSOLIDATED BALANCE SHEET (USD $) In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013
ASSETS:
Noninterest-bearing balances	$ 19,403	$ 23,723
Interest-bearing deposits in other financial institutions	505	770
Federal funds sold	0	113
Total cash and cash equivalents	19,908	24,606
Investment securities available for sale, at fair value	232,213	288,612
Loans held for sale	550	1,626
Loans	915,579	818,344
Allowance for loan losses	(10,579)	(10,144)
Loans, net	905,000	808,200
Premises and equipment, net	21,109	20,184
Accrued interest receivable	3,912	4,696
Bank-owned life insurance	25,959	25,410
Investment in limited partnerships	1,560	2,221
Goodwill	17,104	17,104
Intangibles	1,456	1,801
Deferred tax asset	8,101	9,889
Other assets	8,139	7,646
TOTAL ASSETS	1,245,011	1,211,995
LIABILITIES:
Interest-bearing deposits	738,041	755,625
Noninterest-bearing deposits	243,378	217,377
Total deposits	981,419	973,002
Short-term borrowings	40,818	26,716
Long-term borrowings	71,176	71,202
Accrued interest payable	381	405
Other liabilities	15,250	12,855
TOTAL LIABILITIES	1,109,044	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; 5,002,649 and 4,999,929 shares issued	41,688	41,665
Additional paid-in capital	49,896	49,800
Retained earnings	53,107	47,554
Accumulated other comprehensive loss:
Net unrealized gain (loss) on available for sale securities	2,930	(2,169)
Defined benefit plan	(4,597)	(2,725)
Treasury stock at cost, 197,834 and 180,596 shares	(7,057)	(6,310)
TOTAL SHAREHOLDERS’ EQUITY	135,967	127,815
TOTAL LIABILITIES AND SHAREHOLDERS’ EQUITY	$ 1,245,011	$ 1,211,995