CONSOLIDATED BALANCE SHEET (UNAUDITED) - USD ($) $ in Thousands	Sep. 30, 2016	Dec. 31, 2015
ASSETS:
Noninterest-bearing balances	$ 23,487	$ 22,044
Interest-bearing balances in other financial institutions	36,694	752
Total cash and cash equivalents	60,181	22,796
Investment securities, available for sale, at fair value	141,057	176,157
Investment securities, trading	0	73
Loans held for sale	2,160	757
Loans	1,069,480	1,045,207
Allowance for loan losses	(12,718)	(12,044)
Loans, net	1,056,762	1,033,163
Premises and equipment, net	22,985	21,830
Accrued interest receivable	3,800	3,686
Bank-owned life insurance	27,176	26,667
Investment in limited partnerships	658	899
Goodwill	17,104	17,104
Intangibles	1,889	1,240
Deferred tax asset	7,404	8,990
Other assets	6,236	6,695
TOTAL ASSETS	1,347,412	1,320,057
LIABILITIES:
Interest-bearing deposits	792,698	751,797
Noninterest-bearing deposits	295,599	280,083
Total deposits	1,088,297	1,031,880
Short-term borrowings	11,579	46,638
Long-term borrowings	91,025	91,025
Accrued interest payable	481	426
Other liabilities	16,095	13,809
TOTAL LIABILITIES	1,207,477	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; 5,006,601 and 5,004,984 shares issued	41,721	41,708
Additional paid-in capital	50,050	49,992
Retained earnings	60,889	58,038
Accumulated other comprehensive loss:
Net unrealized gain on available for sale securities	1,489	258
Defined benefit plan	(3,980)	(4,057)
Treasury stock at cost, 272,452 and 257,852 shares	(10,234)	(9,660)
TOTAL SHAREHOLDERS’ EQUITY	139,935	136,279
TOTAL LIABILITIES AND SHAREHOLDERS’ EQUITY	$ 1,347,412	$ 1,320,057