CONSOLIDATED BALANCE SHEET (UNAUDITED) - USD ($) $ in Thousands	Sep. 30, 2016	Dec. 31, 2015
Cash and due from banks:
Noninterest-bearing	$ 15,459	$ 14,088
Interest-bearing	912	10,296
Total cash and cash equivalents	16,371	24,384
Interest bearing time deposits with other banks	6,955	7,696
Available-for-sale securities	349,154	359,737
Loans held for sale	576	603
Loans (net of allowance for loan losses: 2016, $8,194 and 2015, $7,106)	743,099	687,925
Premises and equipment	17,143	17,263
Accrued interest receivable	3,988	4,211
Goodwill	21,089	21,089
Bank owned life insurance	26,050	25,535
Other intangibles	2,059	2,437
Other assets	11,170	12,104
TOTAL ASSETS	1,197,654	1,162,984
Deposits:
Noninterest-bearing	149,848	150,960
Interest-bearing	858,899	837,071
Total deposits	1,008,747	988,031
Borrowed funds	51,859	41,631
Accrued interest payable	636	734
Other liabilities	10,862	12,828
TOTAL LIABILITIES	1,072,104	1,043,224
STOCKHOLDERS' EQUITY:
Preferred Stock $1.00 par value; authorized 3,000,000 shares September 30, 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 3,704,375 at September 30, 2016 and 3,671,751 at December 31, 2015	3,704	3,672
Additional paid-in capital	42,241	40,715
Retained earnings	89,501	85,790
Accumulated other comprehensive income (loss)	1,390	(236)
Treasury stock, at cost: 358,811 shares at September 30, 2016 and 335,876 shares at December 31, 2015	(11,286)	(10,181)
TOTAL STOCKHOLDERS' EQUITY	125,550	119,760
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$ 1,197,654	$ 1,162,984