Consolidated Statements of Income - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
INTEREST INCOME
Loans receivable, including fees	$ 6,135	$ 6,061
Securities	890	1,023
Other	1	4
Total interest income	7,026	7,088
INTEREST EXPENSE
Deposits	581	604
Short-term borrowings	39	12
Other borrowings	231	165
Total interest expense	851	781
Net Interest Income	6,175	6,307
Provision for loan losses	450	620
Net interest income after provision for loan losses	5,725	5,687
OTHER INCOME
Service charges and fees	574	572
Income from fiduciary activities	102	105
Net realized gains on sales of securities	64	311
Gains on sale of loans and servicing rights, net	30	18
Earnings and proceeds on bank owned life insurance	167	165
Other	130	108
Total other income	1,067	1,279
OTHER EXPENSES
Salaries and employee benefits	2,303	2,137
Occupancy, furniture & equipment, net	495	556
Data processing	271	234
Taxes, other than income	205	175
Professional fees	151	183
Federal Deposit Insurance Corporation insurance	115	95
Foreclosed real estate owned	31	158
Amortization of intangibles	24	28
Other	754	621
Total other expenses	4,349	4,187
Income before Income Taxes	2,443	2,779
Income tax expense	567	738
Net Income	$ 1,876	$ 2,041
EARNINGS PER SHARE
BASIC EARNINGS PER SHARE	$ 0.51	$ 0.55
DILUTED EARNINGS PER SHARE	$ 0.51	$ 0.55