Consolidated Statements of Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
INTEREST INCOME
Loans, including fees	$ 15,202	$ 13,352
Securities:
Taxable	623	382
Tax-exempt	394	375
Federal funds sold	1
Interest-bearing deposit accounts	33	23
Total interest income	16,253	14,132
INTEREST EXPENSE
Deposits	2,385	1,842
Federal funds purchased	6	1
Securities sold under repurchase agreements	12	9
Subordinated debt	279
FHLB advances	352	345
Total interest expense	3,034	2,197
Net interest income	13,219	11,935
Provision for loan losses	1,597	611
Net interest income after provision for loan losses	11,622	11,324
NON-INTEREST INCOME
Income from fiduciary activities	798	831
Service charges and fees on deposit accounts	917	974
VISA-related fees	217	255
Non-deposit product income	369	567
Other service charges and fees	553	533
Secondary market lending fees	551	451
Bank owned life insurance income	247	219
Net gains (losses) on sale of securities available for sale	42	(25)
Other real estate losses	(395)	(327)
Net (losses) gains on the disposal of fixed assets	(6)	137
Other income	66	66
Total non-interest income	3,359	3,681
NON-INTEREST EXPENSES
Salaries and employee benefits	8,001	6,458
Occupancy expense	1,819	1,492
Software maintenance	631	524
Bank franchise tax	219	189
VISA expense	135	170
Telephone expense	136	210
FDIC assessments	301	247
Foreclosure property expense	68	131
Consulting expense	303	329
Other expense	3,189	2,868
Total non-interest expenses	14,802	12,618
Net income before income taxes	179	2,387
Income tax (benefit) expense	(187)	557
Net income	$ 366	$ 1,830
Basic Earnings Per Share
Average basic shares outstanding	4,791,722	4,818,377
Earnings per share, basic	$ 0.08	$ 0.38
Diluted Earnings Per Share
Average diluted shares outstanding	4,805,318	4,829,581
Earnings per share, diluted	$ 0.08	$ 0.38