Consolidated Balance Sheets (Current Period Unaudited) - USD ($)	Jun. 30, 2016	Dec. 31, 2015
Cash and due from banks:
Noninterest bearing deposits and cash	$ 2,893,000	$ 2,588,000
Interest bearing deposits	43,594,000	82,812,000
Total cash and cash equivalents	46,487,000	85,400,000
Securities:
Available for sale securities, at fair value (Note 2)	23,037,000	29,377,000
Other Investments	4,450,000	4,450,000
Restricted stock, at cost	7,982,000	8,645,000
Total securities	35,469,000	42,472,000
Loans receivable (net of allowance for loan losses: 2016: $5,250; 2015: $5,242) (Note 3)	523,404,000	479,127,000
Premises and equipment, net	29,972,000	29,421,000
Other real estate owned	851,000
Accrued interest and dividends receivable	2,120,000	2,010,000
Deferred tax asset (Note 7)	13,073,000	13,763,000
Other assets	1,679,000	1,338,000
Total assets	653,055,000	653,531,000
Deposits (Note 5):
Noninterest bearing deposits	75,244,000	85,065,000
Interest bearing deposits	371,092,000	359,615,000
Total deposits	446,336,000	444,680,000
Federal Home Loan Bank borrowings (Note 9)	128,000,000	132,000,000
Junior subordinated debt owed to unconsolidated trust (Note 9)	8,248,000	8,248,000
Note Payable (Note 9)	1,846,000	1,939,000
Advances from borrowers for taxes and insurance	2,451,000	2,367,000
Accrued expenses and other liabilities	3,064,000	2,833,000
Total liabilities	589,945,000	592,067,000
Shareholders' equity
Preferred stock, no par value; 1,000,000 shares authorized, no shares issued and outstanding	0	0
Common stock, $.01 par value, 100,000,000 shares authorized; 3,959,903 and 3,957,377 shares issued; 3,958,733 and 3,956,207 shares outstanding; at June 30, 2016 and December 31, 2015, respectively	40,000	40,000
Additional paid-in capital	106,876,000	106,568,000
Accumulated deficit	(43,565,000)	(44,832,000)
Less: Treasury stock, at cost: 2016 and 2015, 1,170 shares	(160,000)	(160,000)
Accumulated other comprehensive loss	(81,000)	(152,000)
Total shareholders' equity	63,110,000	61,464,000
Total liabilities and shareholders' equity	$ 653,055,000	$ 653,531,000