Consolidated Balance Sheets - USD ($) $ in Thousands	Mar. 31, 2016	Dec. 31, 2015
ASSETS
Cash and due from banks	$ 8,709	$ 9,744
Interest bearing deposits with banks	254	266
Cash and cash equivalents	8,963	10,010
Securities available for sale, at fair value	143,948	138,851
Loans receivable	565,787	559,925
Less: Allowance for loan losses	7,642	7,298
Net loans receivable	558,145	552,627
Regulatory stock, at cost	2,982	3,412
Bank premises and equipment, net	6,390	6,472
Bank owned life insurance	18,951	18,820
Accrued interest receivable	2,487	2,363
Foreclosed real estate owned	2,855	2,847
Goodwill	9,715	9,715
Other intangibles	260	285
Deferred tax asset	3,456	3,669
Other assets	1,952	1,434
Total Assets	760,104	750,505
LIABILITIES
Deposits: Non-interest bearing demand	113,225	107,814
Deposits: Interest-bearing	447,266	443,095
Total deposits	560,491	550,909
Short-term borrowings	52,672	53,235
Other borrowings	38,856	41,126
Accrued interest payable	925	957
Other liabilities	4,462	3,280
Total Liabilities	657,406	649,507
STOCKHOLDERS' EQUITY
Common stock, $.10 par value per share, authorized 10,000,000 shares, issued 3,724,668 shares	373	373
Surplus	35,390	35,351
Retained earnings	66,143	65,412
Treasury stock at cost: 2016: 35,649 shares, 2015: 23,311 shares	(987)	(626)
Accumulated other comprehensive income	1,779	488
Total Stockholders' Equity	102,698	100,998
Total Liabilities and Stockholders' Equity	$ 760,104	$ 750,505