CONSOLIDATED STATEMENTS OF OPERATIONS - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
INTEREST INCOME
Interest and fees on loans	$ 8,912	$ 8,788	$ 25,984	$ 26,475
Interest and dividends on investment securities:
Taxable	892	850	2,748	2,040
Tax-exempt	2	3	8	9
Interest on federal funds sold	1	1	2	1
Interest on deposits with other banks	30	44	82	139
Total interest income	9,837	9,686	28,824	28,664
INTEREST EXPENSE
Interest on deposits	824	1,046	2,581	3,244
Interest on short-term borrowings	3	4	11	14
Total interest expense	827	1,050	2,592	3,258
NET INTEREST INCOME	9,010	8,636	26,232	25,406
Provision for credit losses	410	775	1,600	2,700
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES	8,600	7,861	24,632	22,706
NONINTEREST INCOME
Service charges on deposit accounts	769	618	2,061	1,778
Trust and investment fee income	360	496	1,279	1,382
Insurance agency commissions	2,107	2,176	6,514	7,789
Other noninterest income	669	704	1,924	2,361
Total noninterest income	3,905	3,994	11,778	13,310
NONINTEREST EXPENSE
Salaries and wages	4,468	4,689	13,174	13,295
Employee benefits	935	934	3,015	3,136
Occupancy expense	600	565	1,837	1,769
Furniture and equipment expense	223	225	711	741
Data processing	800	741	2,451	2,240
Directors’ fees	117	131	356	375
Amortization of other intangible assets	34	34	100	168
Insurance agency commissions expense	0	0	0	906
FDIC insurance premium expense	243	399	933	1,234
Write-downs of other real estate owned	7	290	88	466
Other noninterest expenses	1,969	1,811	5,735	5,521
Total noninterest expense	9,396	9,819	28,400	29,851
INCOME BEFORE INCOME TAXES	3,109	2,036	8,010	6,165
Income tax expense	1,200	774	3,065	2,340
NET INCOME	$ 1,909	$ 1,262	$ 4,945	$ 3,825
Basic net income per common share (in dollars per share)	$ 0.15	$ 0.10	$ 0.39	$ 0.37
Diluted net income per common share (in dollars per share)	0.15	0.10	0.39	0.37
Dividends paid per common share (in dollars per share)	$ 0.02	$ 0	$ 0.02	$ 0