CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Jun. 30, 2016	Dec. 31, 2015
ASSETS
Cash and due from banks	$ 8,586	$ 7,474
Interest-bearing deposits in other banks	672	1,534
Total cash and cash equivalents	9,258	9,008
Time deposits with other banks	1,482	1,482
Investment securities available-for-sale	385,089	385,241
Investment securities held-to-maturity (fair value 2016- $21; 2015 - $27)	20	26
Restricted investment in bank stocks	6,622	5,742
Loans	516,998	516,610
Allowance for loan losses	(7,219)	(6,739)
Net loans	509,779	509,871
Premises and equipment, net	19,697	20,113
Accrued interest receivable	3,932	4,086
Cash surrender value of bank owned life insurance	22,229	21,900
Investments in low-income housing partnerships	1,465	1,553
Goodwill	19,133	19,133
Foreclosed assets held for resale	1,280	1,472
Deferred income taxes	0	692
Other assets	3,330	3,170
TOTAL ASSETS	983,316	983,489
Deposits:
Non-interest bearing	109,113	107,391
Interest bearing	575,358	613,207
Total deposits	684,471	720,598
Short-term borrowings	99,638	80,539
Long-term borrowings	75,175	70,232
Accrued interest payable	441	382
Deferred income taxes	2,709	0
Other liabilities	3,546	3,300
TOTAL LIABILITIES	865,980	875,051
STOCKHOLDERS’ EQUITY
Preferred stock, par value $2.00 per share; authorized 1,000,000 shares in 2016 and 2015; issued 0 in 2016 and 2015	0	0
Common stock, par value $2.00 per share; authorized 20,000,000 shares in 2016 and 2015; issued 5,879,109 in 2016 and 5,853,317 in 2015; outstanding 5,645,997 in 2016 and 5,620,205 in 2015	11,758	11,707
Surplus	34,450	33,830
Retained earnings	68,251	66,622
Accumulated other comprehensive income	8,633	2,035
Treasury stock, at cost, 233,112 shares in 2016 and 2015	(5,756)	(5,756)
TOTAL STOCKHOLDERS’ EQUITY	117,336	108,438
TOTAL LIABILITIES AND STOCKHOLDERS’ EQUITY	$ 983,316	$ 983,489