Consolidated Balance Sheets (Unaudited) - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014
ASSETS
Cash and due from banks	$ 7,172	$ 6,588
Interest-earning deposits	7,078	3,981
Total cash and cash equivalents	14,250	10,569
Investment securities available-for-sale (Note 3)	151,726	162,247
Trading securities (Note 3)	8,083	7,861
Loans held for sale	3,122	632
Total loans (Note 4)	359,834	360,185
Less allowance for loan losses (Note 4)	(5,176)	(5,202)
Net loans	354,658	354,983
Premises and equipment	9,190	7,697
Bank-owned life insurance	17,245	16,990
Other assets	11,976	7,953
Total assets	570,250	568,932
LIABILITIES
Noninterest-bearing deposits	98,701	94,731
Interest-bearing deposits	355,846	362,030
Total deposits	454,547	456,761
Short-term borrowings	1,719	4,259
Federal Home Loan Bank advances - short term	18,000	15,500
Federal Home Loan Bank advances - long term	25,000	25,000
Subordinated debt (Note 7)	5,155	5,155
Other liabilities	8,594	6,405
Total liabilities	513,015	513,080
SHAREHOLDERS’ EQUITY
Common stock - $5.00 stated value - authorized 20,000,000 shares; issued 4,728,267 shares in 2015 and 2014; outstanding shares, 4,462,944 in 2015 and 4,527,848 in 2014	23,641	23,641
Additional paid-in capital	20,833	20,833
Retained earnings	17,032	14,555
Accumulated other comprehensive income	230	376
Treasury stock, at cost, 265,323 shares in 2015 and 200,419 in 2014	(4,501)	(3,553)
Total shareholders’ equity	57,235	55,852
Total liabilities and shareholders’ equity	$ 570,250	$ 568,932