CONSOLIDATED STATEMENTS OF OPERATIONS - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
INTEREST INCOME
Interest and fees on loans	$ 8,581	$ 8,812	$ 17,072	$ 17,687
Interest and dividends on investment securities:
Taxable	932	669	1,856	1,190
Tax-exempt	3	3	6	6
Interest on federal funds sold	0	0	1	0
Interest on deposits with other banks	26	39	52	95
Total interest income	9,542	9,523	18,987	18,978
INTEREST EXPENSE
Interest on deposits	856	1,071	1,757	2,198
Interest on short-term borrowings	3	5	8	10
Total interest expense	859	1,076	1,765	2,208
NET INTEREST INCOME	8,683	8,447	17,222	16,770
Provision for credit losses	540	950	1,190	1,925
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES	8,143	7,497	16,032	14,845
NONINTEREST INCOME
Service charges on deposit accounts	658	602	1,292	1,160
Trust and investment fee income	450	455	919	886
Insurance agency commissions	1,932	2,536	4,407	5,613
Gain on sale of wholesale insurance subsidiary	0	114	0	114
Other noninterest income	748	821	1,255	1,543
Total noninterest income	3,788	4,528	7,873	9,316
NONINTEREST EXPENSE
Salaries and wages	4,393	4,292	8,706	8,606
Employee benefits	924	1,020	2,080	2,202
Occupancy expense	611	577	1,237	1,204
Furniture and equipment expense	233	243	488	516
Data processing	868	739	1,651	1,499
Directors’ fees	116	132	239	244
Amortization of other intangible assets	33	60	66	134
Insurance agency commissions expense	0	394	0	906
FDIC insurance premium expense	306	377	690	835
Write-downs of other real estate owned	54	101	81	176
Other noninterest expenses	1,762	1,982	3,766	3,710
Total noninterest expense	9,300	9,917	19,004	20,032
INCOME BEFORE INCOME TAXES	2,631	2,108	4,901	4,129
Income tax expense	1,004	803	1,865	1,566
NET INCOME	$ 1,627	$ 1,305	$ 3,036	$ 2,563
Basic net income per common share (in dollars per share)	$ 0.13	$ 0.13	$ 0.24	$ 0.28
Diluted net income per common share (in dollars per share)	0.13	0.13	0.24	0.28
Dividends paid per common share (in dollars per share)	$ 0	$ 0	$ 0	$ 0