Consolidated Balance Sheets - USD ($) $ in Thousands	Sep. 30, 2016	Dec. 31, 2015
ASSETS
Cash and due from banks	$ 14,830	$ 11,813
Interest-bearing deposits at banks	4,397	10,808
Securities:
Available for sale, at fair value (amortized cost: $101,758 at September 30, 2016; $96,374 at December 31, 2015)	103,385	97,141
Held to maturity, at amortized cost (fair value: $1,475 at September 30, 2016; $1,584 at December 31, 2015)	1,474	1,617
Federal Home Loan Bank common stock, at cost	3,220	1,296
Federal Reserve Bank common stock, at cost	1,510	1,487
Loans, net of allowance for loan losses of $13,712 at September 30, 2016 and $12,883 at December 31, 2015	899,140	761,101
Properties and equipment, net of accumulated depreciation of $16,693 at September 30, 2016 and $15,799 at December 31, 2015	11,485	11,051
Goodwill	8,101	8,101
Bank-owned life insurance	21,398	20,978
Other assets	15,723	13,714
TOTAL ASSETS	1,084,663	939,107
Deposits:
Demand	195,869	183,098
NOW	87,047	83,674
Regular savings	496,926	439,993
Time	118,123	96,217
Total deposits	897,965	802,982
Securities sold under agreement to repurchase	11,606	10,821
Other borrowings	51,200	10,000
Other liabilities	17,364	12,718
Junior subordinated debentures	11,330	11,330
Total liabilities	989,465	847,851
CONTINGENT LIABILITIES AND COMMITMENTS
STOCKHOLDERS' EQUITY:
Common stock, $.50 par value, 10,000,000 shares authorized; 4,290,222 and 4,260,203 shares issued at September 30, 2016 and December 31, 2015, respectively, and 4,287,400 and 4,257,179 outstanding at September 30, 2016 and December 31, 2015, respectively	2,147	2,132
Capital surplus	43,983	43,318
Treasury stock, at cost, 2,822 and 3,024 shares at September 30, 2016 and December 31, 2015, respectively	(69)
Retained earnings	50,294	47,616
Accumulated other comprehensive loss, net of tax	(1,157)	(1,810)
Total stockholders' equity	95,198	91,256
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$ 1,084,663	$ 939,107