CONSOLIDATED BALANCE SHEET - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
ASSETS:
Noninterest-bearing balances	$ 22,044	$ 19,403
Interest-bearing deposits in other financial institutions	752	505
Total cash and cash equivalents	22,796	19,908
Investment securities available for sale, at fair value	176,157	232,213
Investment securities, trading	73	0
Loans held for sale	757	550
Loans	1,045,207	915,579
Allowance for loan losses	(12,044)	(10,579)
Loans, net	1,033,163	905,000
Premises and equipment, net	21,830	21,109
Accrued interest receivable	3,686	3,912
Bank-owned life insurance	26,667	25,959
Investment in limited partnerships	899	1,560
Goodwill	17,104	17,104
Intangibles	1,240	1,456
Deferred tax asset	8,990	8,101
Other assets	6,695	8,139
TOTAL ASSETS	1,320,057	1,245,011
LIABILITIES:
Interest-bearing deposits	751,797	738,041
Noninterest-bearing deposits	280,083	243,378
Total deposits	1,031,880	981,419
Short-term borrowings	46,638	40,818
Long-term borrowings	91,025	71,176
Accrued interest payable	426	381
Other liabilities	13,809	15,250
TOTAL LIABILITIES	1,183,778	1,109,044
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; 5,004,984 and 5,002,649 shares issued	41,708	41,688
Additional paid-in capital	49,992	49,896
Retained earnings	58,038	53,107
Accumulated other comprehensive loss:
Net unrealized gain on available for sale securities	258	2,930
Defined benefit plan	(4,057)	(4,597)
Treasury stock at cost, 257,852 and 197,834 shares	(9,660)	(7,057)
TOTAL SHAREHOLDERS’ EQUITY	136,279	135,967
TOTAL LIABILITIES AND SHAREHOLDERS’ EQUITY	$ 1,320,057	$ 1,245,011