Consolidated Balance Sheets - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014
ASSETS
Cash and due from banks	$ 11,623	$ 8,784
Interest-bearing deposits at banks	28,796	2,114
Securities:
Available for sale, at fair value (amortized cost: $103,463 at September 30, 2015; $94,048 at December 31, 2014)	105,122	95,533
Held to maturity, at amortized cost (fair value: $1,509 at September 30, 2015; $1,574 at December 31, 2014)	1,529	1,599
Federal Home Loan Bank common stock, at amortized cost	1,296	1,439
Federal Reserve Bank common stock, at amortized cost	1,487	1,486
Loans, net of allowance for loan losses of $13,456 at September 30, 2015 and $12,533 at December 31, 2014	717,783	683,131
Properties and equipment, net of accumulated depreciation of $15,534 at September 30, 2015 and $15,129 at December 31, 2014	10,683	10,224
Goodwill	8,101	8,101
Bank-owned life insurance	20,838	20,415
Other assets	13,633	13,983
TOTAL ASSETS	920,891	846,809
Deposits:
Demand	170,022	158,631
NOW	79,983	72,670
Regular savings	436,331	363,542
Time	95,967	112,792
Total deposits	782,303	707,635
Securities sold under agreement to repurchase	11,310	13,778
Other short term borrowings	10,000	13,700
Other liabilities	16,275	14,578
Junior subordinated debentures	11,330	11,330
Total liabilities	$ 831,218	$ 761,021
CONTINGENT LIABILITIES AND COMMITMENTS
STOCKHOLDERS' EQUITY:
Common stock, $.50 par value, 10,000,000 shares authorized; 4,247,469 and 4,241,797 shares issued at September 30, 2015 and December 31, 2014, respectively, and 4,238,448 and 4,203,684 outstanding at September 30, 2015 and December 31, 2014, respectively	$ 2,126	$ 2,123
Capital surplus	43,086	43,102
Treasury stock, at cost, 9,021 shares and 38,113 at September 30, 2015 and December 31, 2014, respectively	(112)	(751)
Retained earnings	45,868	42,822
Accumulated other comprehensive loss, net of tax	(1,295)	(1,508)
Total stockholders' equity	89,673	85,788
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$ 920,891	$ 846,809