CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands		Dec. 31, 2016	Dec. 31, 2015
ASSETS
Cash and due from depository institutions		$ 25,107	$ 23,443
Interest bearing deposits		3,066	6,960
Short-term investments in money market funds		5,900	18,107
Cash and cash equivalents		34,073	48,510
Investment securities:
Available for sale		127,077	119,467
Held to maturity (fair value $30,420 at December 31, 2016 and $21,533 at December 31, 2015)		30,665	21,419
Loans held for sale		3,094	3,003
Loans		884,240	881,541
Less: Unearned income		476	557
Allowance for loan losses		9,932	9,921
Net loans		873,832	871,063
Premises and equipment, net		11,694	12,108
Accrued interest income receivable		3,116	3,057
Goodwill		11,944	11,944
Bank owned life insurance		37,903	37,228
Net deferred tax asset		10,655	8,993
Federal Home Loan Bank stock		3,359	4,628
Federal Reserve Bank stock		2,125	2,125
Other assets		4,243	4,952
TOTAL ASSETS		1,153,780	1,148,497
LIABILITIES
Non-interest bearing deposits		188,808	188,947
Interest bearing deposits		778,978	714,347
Total deposits		967,786	903,294
Short-term borrowings		12,754	48,748
Advances from Federal Home Loan Bank		45,542	48,000
Guaranteed junior subordinated deferrable interest debentures		12,908	12,892
Subordinated debt		7,441	7,418
Total borrowed funds		78,645	117,058
Other liabilities		11,954	9,172
TOTAL LIABILITIES		1,058,385	1,029,524
STOCKHOLDERS' EQUITY
Preferred stock, no par value; $1,000 per share liquidation preference; 2,000,000 shares authorized; there were 21,000 shares issued and outstanding on December 31, 2015		0	21,000
Common stock, par value $0.01 per share; 30,000,000 shares authorized: 26,521,291 shares issued and 18,903,472 shares outstanding on December 31, 2016; 26,488,630 shares issued and 18,870,811 shares outstanding on December 31, 2015		265	265
Treasury stock at cost, 7,617,819 shares on December 31, 2016 and 2015		(74,829)	(74,829)
Capital surplus		145,535	145,441
Retained earnings		36,001	34,651
Accumulated other comprehensive loss, net	[1]	(11,577)	(7,555)
TOTAL STOCKHOLDERS' EQUITY		95,395	118,973
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY		$ 1,153,780	$ 1,148,497

[1] Amounts in parentheses indicate debits on the Consolidated Balance Sheets.