CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
ASSETS
Cash and due from banks	$ 8,338	$ 7,474
Interest-bearing deposits in other banks	790	1,534
Total cash and cash equivalents	9,128	9,008
Time deposits with other banks	1,482	1,482
Investment securities available-for-sale	379,637	385,241
Investment securities held-to-maturity (fair value 2016 - $4; 2015 - $27)	4	26
Restricted investment in bank stocks	5,477	5,742
Loans	522,382	516,610
Allowance for loan losses	(7,357)	(6,739)
Net loans	515,025	509,871
Premises and equipment, net	19,237	20,113
Accrued interest receivable	3,917	4,086
Cash surrender value of bank owned life insurance	21,718	21,900
Investments in low-income housing partnerships	2,555	1,553
Goodwill	19,133	19,133
Foreclosed assets held for resale	1,273	1,472
Deferred income taxes	2,760	692
Other assets	2,937	3,170
TOTAL ASSETS	984,283	983,489
Deposits:
Non-interest bearing	110,314	107,391
Interest bearing	615,668	613,207
Total deposits	725,982	720,598
Short-term borrowings	69,290	80,539
Long-term borrowings	75,116	70,232
Accrued interest payable	427	382
Other liabilities	3,783	3,300
TOTAL LIABILITIES	874,598	875,051
STOCKHOLDERS’ EQUITY
Preferred stock, par value $2.00 per share; authorized 1,000,000 shares in 2016 and 2015; issued 0 in 2016 and 2015	0	0
Common stock, par value $2.00 per share; authorized 20,000,000 shares in 2016 and 2015; issued 5,904,563 in 2016 and 5,853,317 in 2015; outstanding 5,671,451 in 2016 and 5,620,205 in 2015	11,809	11,707
Surplus	35,047	33,830
Retained earnings	70,004	66,622
Accumulated other comprehensive (loss) income	(1,419)	2,035
Treasury stock, at cost, 233,112 shares in 2016 and 2015	(5,756)	(5,756)
TOTAL STOCKHOLDERS’ EQUITY	109,685	108,438
TOTAL LIABILITIES AND STOCKHOLDERS’ EQUITY	$ 984,283	$ 983,489