Consolidated Balance Sheets - USD ($) $ in Thousands	Mar. 31, 2016	Dec. 31, 2015
ASSETS
Cash and due from banks	$ 11,287	$ 11,813
Interest-bearing deposits at banks	22,105	10,808
Securities:
Available for sale, at fair value (amortized cost: $112,874 at March 31, 2016; $96,374 at December 31, 2015)	114,687	97,141
Held to maturity, at amortized cost (fair value: $1,595 at March 31, 2016; $1,584 at December 31, 2015)	1,607	1,617
Federal Home Loan Bank common stock, at cost	1,296	1,296
Federal Reserve Bank common stock, at cost	1,492	1,487
Loans, net of allowance for loan losses of $13,119 at March 31, 2016 and $12,883 at December 31, 2015	783,654	761,101
Properties and equipment, net of accumulated depreciation of $16,072 at March 31, 2016 and $15,799 at December 31, 2015	11,078	11,051
Goodwill	8,101	8,101
Bank-owned life insurance	21,114	20,978
Other assets	13,494	13,714
TOTAL ASSETS	989,915	939,107
Deposits:
Demand	174,276	183,098
NOW	95,622	83,674
Regular savings	463,672	439,993
Time	115,479	96,217
Total deposits	849,049	802,982
Securities sold under agreement to repurchase	12,894	10,821
Other borrowings	10,000	10,000
Other liabilities	14,482	12,718
Junior subordinated debentures	11,330	11,330
Total liabilities	$ 897,755	$ 847,851
CONTINGENT LIABILITIES AND COMMITMENTS
STOCKHOLDERS' EQUITY:
Common stock, $.50 par value, 10,000,000 shares authorized; 4,279,296 and 4,260,203 shares issued at March 31, 2016 and December 31, 2015, respectively, and 4,279,210 and 4,257,179 outstanding at March 31, 2016 and December 31, 2015, respectively	$ 2,142	$ 2,132
Capital surplus	$ 43,435	$ 43,318
Treasury stock, at cost, 86 and 3,024 shares at March 31, 2016 and December 31, 2015, respectively
Retained earnings	$ 47,704	$ 47,616
Accumulated other comprehensive loss, net of tax	(1,121)	(1,810)
Total stockholders' equity	92,160	91,256
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$ 989,915	$ 939,107