CONSOLIDATED STATEMENTS OF INCOME (UNAUDITED) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
INTEREST INCOME
Loans, including fees	$ 8,921	$ 8,592
Securities:
Taxable	808	809
Tax-exempt	179	231
Dividends	51	165
Other	5	14
Total Interest Income	9,964	9,811
INTEREST EXPENSE
Deposits	558	499
Short-term borrowings	16	17
Long-term borrowings	383	454
Total Interest Expense	957	970
Net Interest Income	9,007	8,841
PROVISION FOR LOAN LOSSES	0	0
Net Interest Income after Provision for Loan Losses	9,007	8,841
OTHER INCOME
Service charges on deposit accounts	528	526
Income from fiduciary activities	394	363
Earnings on investment in bank-owned life insurance	268	262
Service charges on ATM and debit card transactions	355	361
Commissions from insurance sales	1,103	1,053
Other	224	228
Total Other Income	2,872	2,793
OTHER EXPENSES
Salaries and employee benefits	5,425	5,225
Net occupancy	570	603
Equipment	711	708
Other tax	197	161
Professional services	255	245
Supplies and postage	191	149
Marketing and corporate relations	117	78
FDIC and regulatory	177	167
Intangible assets amortization	88	82
Foreclosed real estate expenses	1	27
Other operating	777	779
Total Other Expenses	8,509	8,224
Income before Income Taxes	3,370	3,410
PROVISION FOR INCOME TAXES	823	867
Net Income	$ 2,547	$ 2,543
PER SHARE DATA
Basic earnings (in dollars per share)	$ 0.42	$ 0.42
Cash dividends declared (in dollars per share)	$ 0.2	$ 0.2