Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
ASSETS
Cash and due from banks	$ 20,268	$ 19,352
Interest-bearing deposits in other banks	32,939	75,985
Securities available for sale, at fair value	346,502	340,349
Restricted stock, at cost	6,224	5,312
Loans held for sale	5,996	3,266
Loans, net of unearned income	1,164,821	1,005,525
Less allowance for loan losses	(12,801)	(12,601)
Net loans	1,152,020	992,924
Premises and equipment, net	25,439	23,567
Other real estate owned, net of valuation allowance of $192 in 2016 and $329 in 2015	1,328	2,184
Goodwill	43,872	43,872
Core deposit intangibles, net	1,719	2,683
Bank owned life insurance	18,163	17,658
Accrued interest receivable and other assets	24,168	20,447
Total assets	1,678,638	1,547,599
Liabilities:
Demand deposits -- noninterest bearing	378,600	322,442
Demand deposits -- interest bearing	209,430	227,030
Money market deposits	283,035	200,495
Savings deposits	120,720	115,383
Time deposits	378,855	397,310
Total deposits	1,370,640	1,262,660
Short-term borrowings:
Customer repurchase agreements	39,166	40,611
Other short-term borrowings	20,000	0
Long-term borrowings	9,980	9,958
Junior subordinated debt	27,724	27,622
Accrued interest payable and other liabilities	9,748	8,913
Total liabilities	1,477,258	1,349,764
Commitments and contingencies
Shareholders' equity:
Preferred stock, $5 par, 2,000,000 shares authorized, none outstanding	0	0
Common stock, $1 par, 20,000,000 shares authorized 8,618,051 shares outstanding at December 31, 2016 and 8,622,007 shares outstanding at December 31, 2015	8,578	8,605
Capital in excess of par value	75,076	75,375
Retained earnings	119,600	111,565
Accumulated other comprehensive income (loss), net	(1,874)	2,290
Total shareholders' equity	201,380	197,835
Total liabilities and shareholders' equity	$ 1,678,638	$ 1,547,599