CONSOLIDATED BALANCE SHEET (UNAUDITED) - USD ($) $ in Thousands	Mar. 31, 2016	Dec. 31, 2015
ASSETS:
Noninterest-bearing balances	$ 22,371	$ 22,044
Interest-bearing balances in other financial institutions	24,754	752
Total cash and cash equivalents	47,125	22,796
Investment securities, available for sale, at fair value	153,709	176,157
Investment securities, trading	60	73
Loans held for sale	514	757
Loans	1,041,252	1,045,207
Allowance for loan losses	(12,382)	(12,044)
Loans, net	1,028,870	1,033,163
Premises and equipment, net	22,158	21,830
Accrued interest receivable	3,878	3,686
Bank-owned life insurance	26,867	26,667
Investment in limited partnerships	746	899
Goodwill	17,104	17,104
Intangibles	2,078	1,240
Deferred tax asset	8,426	8,990
Other assets	6,602	6,695
TOTAL ASSETS	1,318,137	1,320,057
LIABILITIES:
Interest-bearing deposits	790,219	751,797
Noninterest-bearing deposits	269,362	280,083
Total deposits	1,059,581	1,031,880
Short-term borrowings	15,874	46,638
Long-term borrowings	91,025	91,025
Accrued interest payable	439	426
Other liabilities	13,555	13,809
TOTAL LIABILITIES	1,180,474	1,183,778
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; 5,005,534 and 5,004,984 shares issued	41,713	41,708
Additional paid-in capital	50,004	49,992
Retained earnings	58,888	58,038
Accumulated other comprehensive loss:
Net unrealized gain on available for sale securities	1,324	258
Defined benefit plan	(4,032)	(4,057)
Treasury stock at cost, 272,452 and 257,852 shares	(10,234)	(9,660)
TOTAL SHAREHOLDERS’ EQUITY	137,663	136,279
TOTAL LIABILITIES AND SHAREHOLDERS’ EQUITY	$ 1,318,137	$ 1,320,057