Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Assets
Cash and due from banks	$ 11,082	$ 9,075
Interest-bearing deposits with other institutions	12,139	25,489
Total cash and cash equivalents	23,221	34,564
Securities available for sale, at fair value	105,823	94,165
Restricted investments	1,896	2,808
Loans	495,573	469,820
Allowance for loan losses	(4,959)	(5,080)
Net Loans	490,614	464,740
Bank premises and equipment, net	20,964	19,015
Other real estate owned, net of allowance	571	2,102
Other assets	10,183	12,764
Total assets	653,272	630,158
Liabilities and Shareholders’ Equity
Noninterest bearing demand deposits	186,133	159,352
Savings and interest bearing demand deposits	272,214	249,305
Time deposits	92,371	95,159
Total deposits	550,718	503,816
Federal Home Loan Bank advances	20,000	40,000
Trust preferred capital notes	0	7,217
Other liabilities	4,333	5,993
Total liabilities	575,051	557,026
Shareholders’ Equity
Preferred stock, $10 par value; 500,000 shares authorized and unissued	0	0
Common stock, $2.50 par value; authorized 10,000,000 shares; issued and outstanding 2015, 3,517,648 including 14,401 unvested restricted stock; issued and outstanding 2014, 3,463,665 including 15,151 unvested restricted stock	8,758	8,621
Surplus	13,730	12,618
Retained earnings	54,682	50,578
Accumulated other comprehensive income	1,051	1,315
Total shareholders’ equity	78,221	73,132
Total liabilities and shareholders’ equity	$ 653,272	$ 630,158