Condensed Consolidated Statements of Income - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Interest and dividend income
Loans, including fees	$ 3,822	$ 3,924	$ 7,504	$ 7,817
Taxable securities	98	69	162	140
Non-taxable securities	39	65	86	134
Federal funds sold	20	23	37	34
Dividends on Federal Home Loan Bank stock and other	61	53	110	106
Total interest and dividend income	4,040	4,134	7,899	8,231
Deposits
Demand	28	27	55	52
Savings	8	8	16	16
Time	226	265	456	539
Borrowings	320	320	636	639
Total interest expense	582	620	1,163	1,246
Net interest income	3,458	3,514	6,736	6,985
Provision for Loan Losses	145	216	261	432
Net interest income after provision for loan losses	3,313	3,298	6,475	6,553
Noninterest income
Service charges on deposit accounts	711	702	1,410	1,329
Realized gains on sales of loans	18	12	29	16
Realized gain on sales of available-for-sale securities	11	0	31	0
Realized gains on sales of real estate and other repossessed assets	2	0	2	0
BOLI benefit in excess of surrender value	0	35	0	35
Other income	193	210	405	417
Total noninterest income	935	959	1,877	1,797
Noninterest expense
Salaries and employee benefits	1,575	1,602	3,170	3,262
Net occupancy and equipment expense	503	500	994	1,018
Provision for impairment on foreclosed real estate	0	0	0	162
Professional services	177	210	368	428
Insurance	59	74	126	148
Deposit insurance premiums	51	72	114	137
Franchise and other taxes	73	70	140	124
Advertising	85	121	169	227
Stationery and office supplies	32	51	77	92
Amortization of intangibles	29	29	59	59
Net realized loss on sale of other real estate and repossessions	0	0	0	6
Other expenses	528	570	1,029	1,123
Total noninterest expense	3,112	3,299	6,246	6,786
Income before federal income taxes	1,136	958	2,106	1,564
Federal income taxes	331	242	607	364
Net income	$ 805	$ 716	$ 1,499	$ 1,200
EARNINGS PER COMMON SHARE
Basic	$ 0.16	$ 0.14	$ 0.30	$ 0.24
Diluted	0.16	0.14	0.30	0.24
DIVIDENDS PER COMMON SHARE	$ 0.09	$ 0.08	$ 0.18	$ 0.16