Consolidated Statements of Income - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
INTEREST INCOME
Loans, including fees	$ 3,974	$ 3,675
Securities:
Taxable	207	126
Tax-exempt	136	88
Interest-bearing deposit accounts	15	8
Certificates of deposit	22	8
Total interest income	4,354	3,905
INTEREST EXPENSE
Deposits	645	516
Securities sold under repurchase agreements	2	2
Subordinated debt	118
FHLB advances	125	85
Total interest expense	890	603
Net interest income	3,464	3,302
(Recovery of) provision for loan losses	(35)	65
Net interest income after provision for loan losses	3,499	3,237
NON-INTEREST INCOME
Income from fiduciary activities	207	221
Service charges and fees on deposit accounts	227	223
VISA-related fees	46	47
Non-deposit product income	106	130
Other service charges and fees	148	131
Secondary market lending income	77	98
Increase in cash surrender value of life insurance	63	63
Net gains (losses) on sale of securities available for sale	6	(4)
Other real estate losses	(35)	(39)
Other income	13	15
Total non-interest income	858	885
NON-INTEREST EXPENSES
Salaries and employee benefits	2,055	2,048
Occupancy expense	448	435
Software maintenance	161	145
Bank franchise tax	60	48
VISA expense	39	31
Telephone expense	31	33
FDIC assessments	81	65
Foreclosure property expense	12	10
Consulting expense	55	75
Other expense	738	755
Total non-interest expenses	3,680	3,645
Net income before income taxes	677	477
Income tax expense	153	96
Net income	$ 524	$ 381
Basic Earnings Per Share
Average basic shares outstanding	4,774,856	4,809,856
Earnings per share, basic	$ 0.11	$ 0.08
Diluted Earnings Per Share
Average diluted shares outstanding	4,791,139	4,821,139
Earnings per share, diluted	$ 0.11	$ 0.08