Interim Condensed Consolidated Balance Sheets (Current Period Unaudited) - USD ($)	Sep. 30, 2016	Dec. 31, 2015
Cash and due from banks	$ 7,618,000	$ 7,088,000
Interest-bearing deposits in banks	18,475,000	36,984,000
Total cash and cash equivalents	26,093,000	44,072,000
Investment securities available-for-sale, at fair value	181,251,000	198,843,000
Investment securities held-to-maturity, at amortized cost	28,315,000	32,359,000
Federal Home Loan Bank stock, at cost	1,368,000	1,025,000
Loans, net of allowance for loan losses of $3,668 and $3,781, respectively	317,121,000	255,432,000
Premises and equipment, net	15,481,000	12,084,000
Cash surrender value of bank-owned life insurance	14,525,000	14,292,000
Accrued interest receivable	1,847,000	1,833,000
Other real estate owned	5,391,000	6,038,000
Other assets	8,915,000	9,804,000
Total assets	600,307,000	575,782,000
Deposits	493,828,000	479,258,000
Accrued interest expense	231,000	180,000
Other liabilities	7,063,000	6,960,000
Short-term Debt	5,337,000	7,354,000
Long-term debt	15,000,000	5,000,000
Total liabilities	521,459,000	498,752,000
Commitments and contingencies
Shareholders’ equity:
Common stock, par value $0.01 per share, 10,000,000 shares authorized; 7,329,060 shares issued; 6,043,102 and 6,038,554 shares outstanding, respectively	73,000	73,000
Surplus	10,723,000	10,558,000
Accumulated other comprehensive income, net of tax	1,169,000	536,000
Retained earnings	87,660,000	86,693,000
Less treasury stock: 1,285,958 and 1,290,506 shares at cost, respectively	(20,764,000)	(20,817,000)
Noncontrolling interest	(13,000)	(13,000)
Total shareholders’ equity	78,848,000	77,030,000
Total liabilities and shareholders’ equity	$ 600,307,000	$ 575,782,000