Consolidated Statement of Financial Condition - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014
Assets
Cash and due from banks	$ 61,406	$ 27,554
Interest bearing deposits in banks	3,383	7,897
Cash and cash equivalents	64,789	35,451
Investment securities - available-for-sale (at fair value)	185,519	221,117
Investment securities - held to maturity (fair value $108,417 at September 30, 2015 and $110,771 at December 31, 2014)	106,732	109,449
Restricted investment in bank stock, at cost	5,904	7,524
Loans	843,092	839,991
Allowance for loan losses	(12,211)	(12,065)
Net loans	830,881	827,926
Premises and equipment, net	25,013	25,629
Goodwill and other intangible assets, net	11,004	11,004
Bank owned life insurance	39,853	33,504
Deferred tax assets	23,928	25,907
Other real estate owned	7,477	12,932
Accrued interest receivable and other assets	19,215	21,853
Total Assets	1,320,315	1,332,296
Liabilities:
Non-interest bearing deposits	214,975	201,188
Interest bearing deposits	781,366	780,135
Total deposits	996,341	981,323
Short-term borrowings	38,460	39,801
Long-term borrowings	147,555	182,606
Accrued interest payable and other liabilities	23,367	19,567
Total Liabilities	1,205,723	1,223,297
Shareholders' Equity:
Preferred stock - no par value; Authorized 2,000 shares of which 30 shares of Series A, $1,000 per share liquidation preference, 5% cumulative increasing to 9% cumulative on February 15, 2014, were issued and outstanding on September 30, 2015 and December 31, 2014	30,000	30,000
Common Stock - par value $.01 per share; Authorized 25,000 shares; issued and outstanding 6,255 shares at September 30, 2015 and 6,228 at December 31, 2014	63	62
Surplus	21,939	21,795
Retained earnings	79,841	77,375
Accumulated other comprehensive loss	(17,251)	(20,233)
Total Shareholders' Equity	114,592	108,999
Total Liabilities and Shareholders' Equity	$ 1,320,315	$ 1,332,296