Consolidated Balance Sheets - USD ($) $ in Thousands	Sep. 30, 2016	Dec. 31, 2015
Assets
Interest bearing deposits with banks	$ 32,945	$ 44,496
Cash and due from banks	13,190	12,989
Total cash and cash equivalents	46,135	57,485
Securities, available-for-sale	200,373	213,470
Restricted investment in bank stocks, at cost	4,526	5,028
Loans held for sale	3,318	564
Loans (net of deferred fees of $3,261 - 2016 and $2,701 - 2015)	1,207,842	1,123,211
Less-allowance for loan losses	(14,225)	(12,704)
Net loans	1,193,617	1,110,507
Premises and equipment, net	24,616	24,606
Goodwill	2,301	2,301
Other assets	48,095	42,373
Total assets	1,522,981	1,456,334
Deposits
Noninterest bearing	187,455	162,982
Interest bearing	1,034,640	931,167
Total deposits	1,222,095	1,094,149
Short-term borrowings	31,061	74,510
Long-term debt	105,310	120,310
Other liabilities	9,198	8,224
Total liabilities	1,367,664	1,297,193
Shareholders' equity
Preferred stock, par value $2.50 per share; $1,000 liquidation preference, 1,000,000 shares authorized; Series B shares issued and outstanding: 0 at September 30, 2016 and 12,000 at December 31, 2015	0	12,000
Common stock, par value $2.50 per share; 15,000,000 shares authorized; shares issued: 8,382,573 at September 30, 2016 and 7,957,145 at December 31, 2015; and shares outstanding: 8,380,855 at September 30, 2016 and 7,957,145 at December 31, 2015	20,957	19,893
Additional paid-in capital	105,745	97,338
Retained earnings	26,104	28,539
Accumulated other comprehensive income	2,515	1,371
Treasury stock, at cost; 1,718 shares at September 30, 2016	(4)	0
Total shareholders' equity	155,317	159,141
Total liabilities and shareholders' equity	$ 1,522,981	$ 1,456,334