CONSOLIDATED BALANCE SHEET (UNAUDITED) - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014
Cash and due from banks:
Noninterest-bearing	$ 9,437	$ 10,091
Interest-bearing	877	1,332
Total cash and cash equivalents	10,314	11,423
Interest bearing time deposits with other banks	6,460	5,960
Available-for-sale securities	300,630	306,146
Loans held for sale	1,248	497
Loans (net of allowance for loan losses: 2015, $7,045 and 2014, $6,815)	575,964	547,290
Premises and equipment	12,544	12,357
Accrued interest receivable	3,566	3,644
Goodwill	10,256	10,256
Bank owned life insurance	20,773	20,309
Other assets	12,222	7,166
TOTAL ASSETS	953,977	925,048
Deposits:
Noninterest-bearing	106,957	95,526
Interest-bearing	690,891	678,407
Total deposits	797,848	773,933
Borrowed funds	44,657	41,799
Accrued interest payable	693	756
Other liabilities	6,875	8,032
TOTAL LIABILITIES	850,073	824,520
STOCKHOLDERS' EQUITY:
Preferred Stock $1.00 par value; authorized 3,000,000 shares September 30, 2015 and December 31, 2014; none issued in 2015 or 2014	0	0
Common stock $1.00 par value; authorized 15,000,000 shares; issued 3,335,236 at September 30, 2015 and December 31, 2014;	3,335	3,335
Additional paid-in capital	25,131	25,150
Retained earnings	84,698	79,512
Accumulated other comprehensive income	842	767
Treasury stock, at cost: 334,165 shares at September 30, 2015 and 296,280 shares at December 31, 2014	(10,102)	(8,236)
TOTAL STOCKHOLDERS' EQUITY	103,904	100,528
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$ 953,977	$ 925,048