Consolidated Statements Of Income And Comprehensive Income - USD ($) $ in Thousands		3 Months Ended		9 Months Ended
		Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
INTEREST INCOME
Loans receivable, including fees		$ 5,390	$ 4,940	$ 15,837	$ 14,363
Securities:
Taxable		321	208	890	639
Tax-exempt		231	231	660	740
Interest bearing deposits		1	4	8	11
Total Interest Income		5,943	5,383	17,395	15,753
INTEREST EXPENSE
Deposits		448	424	1,302	1,229
Borrowings		390	363	1,150	1,072
Junior subordinated debentures		55	54	162	159
Total Interest Expense		893	841	2,614	2,460
Net Interest Income		5,050	4,542	14,781	13,293
PROVISION FOR LOAN LOSSES		1	378	506	1,231
Net Interest Income after Provision for Loan Losses		5,049	4,164	14,275	12,062
OTHER INCOME
Service fees on deposit accounts		230	255	656	784
ATM and debit card fees		198	182	573	534
Bank-owned life insurance		78	78	235	243
Insurance commissions and fees		955	741	2,846	2,410
Investment brokerage fees		40	11	103	79
Net gain on sales of securities		11	164	267	258
Net gain on sale of premises and equipment				8
Other		143	70	369	242
Total Other Income		1,655	1,501	5,057	4,550
OTHER EXPENSES
Salaries and employee benefits		2,919	2,631	8,488	7,490
Occupancy, net		410	375	1,330	1,225
Data processing		468	549	1,251	1,361
Furniture and equipment		221	184	645	460
Advertising and promotion		65	89	225	211
Professional fees		161	153	480	517
Director fees		105	137	418	379
FDIC assessment		120	183	368	534
Insurance		69	70	189	218
Stationary and supplies		49	64	154	171
Loan collection costs		19	53	175	299
Net expenses and write-downs related to foreclosed real estate		277	12	476	273
Other		480	359	1,156	926
Total Other Expenses		5,363	4,859	15,355	14,064
Income before Income Taxes		1,341	806	3,977	2,548
EXPENSE FOR INCOME TAXES	[1]	390	214	1,190	671
Net Income		951	592	2,787	1,877
OTHER COMPREHENSIVE INCOME:
Unrealized gains on available for sale securities arising during the period		1,024	511	174	3,864
Reclassification adjustment for net gain on securities transactions included in net income		(11)	(164)	(267)	(258)
Income tax related to items of other comprehensive income		(405)	(138)	37	(1,442)
Other comprehensive income, (loss), net of income taxes		608	209	(56)	2,164
Comprehensive income		$ 1,559	$ 801	$ 2,731	$ 4,041
EARNINGS PER SHARE
Basic		$ 0.21	$ 0.13	$ 0.61	$ 0.41
Diluted		$ 0.21	$ 0.13	$ 0.61	$ 0.41

[1] Insurance Services calculated at statutory tax rate of 40%