CONSOLIDATED BALANCE SHEET (UNAUDITED) - USD ($) $ in Thousands	Mar. 31, 2016	Dec. 31, 2015
Cash and due from banks:
Noninterest-bearing	$ 14,746	$ 14,088
Interest-bearing	22,633	10,296
Total cash and cash equivalents	37,379	24,384
Interest bearing time deposits with other banks	7,697	7,696
Available-for-sale securities	371,925	359,737
Loans held for sale	1,557	603
Loans (net of allowance for loan losses: 2016, $7,275 and 2015, $7,106)	692,428	687,925
Premises and equipment	17,249	17,263
Accrued interest receivable	4,096	4,211
Goodwill	21,089	21,089
Bank owned life insurance	25,705	25,535
Other intangibles	2,309	2,437
Other assets	11,130	12,104
TOTAL ASSETS	1,192,564	1,162,984
Deposits:
Noninterest-bearing	147,897	150,960
Interest-bearing	869,914	837,071
Total deposits	1,017,811	988,031
Borrowed funds	39,996	41,631
Accrued interest payable	660	734
Other liabilities	12,126	12,828
TOTAL LIABILITIES	1,070,593	1,043,224
STOCKHOLDERS' EQUITY:
Preferred Stock $1.00 par value; authorized 3,000,000 shares March 31, 2016 and December 31, 2015; none issued in 2016 or 2015	0	0
Common Stock $1.00 par value; authorized 15,000,000 shares; issued 3,671,751 at March 31, 2016 and December 31, 2015	3,672	3,672
Additional paid-in capital	40,722	40,715
Retained earnings	87,696	85,790
Accumulated other comprehensive income (loss)	903	(236)
Treasury stock, at cost: 353,400 shares at March 31, 2016 and 335,876 shares at December 31, 2015	(11,022)	(10,181)
TOTAL STOCKHOLDERS' EQUITY	121,971	119,760
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$ 1,192,564	$ 1,162,984