Consolidated Balance Sheets - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Assets
Cash and cash equivalents	$ 17,038	$ 9,800
Securities available for sale, at fair value (amortized cost of $472,903 and $458,370, respectively)	480,138	470,525
Federal Home Loan Bank stock	23,593	21,354
Loans	983,244	919,024
Allowance for loan losses	(9,099)	(8,969)
Loans, net of allowance for loan losses	974,145	910,055
Premises and equipment, net	20,970	20,518
Goodwill	4,935	4,935
Bank owned life insurance	23,411	8,141
Other assets	15,779	13,992
TOTAL ASSETS	1,560,009	1,459,320
Deposits:
Demand and other non-interest bearing deposits	72,799	78,802
NOW accounts	142,090	153,499
Savings and money market deposits	244,151	247,685
Time deposits	431,076	378,063
Total deposits	890,116	858,049
Short-term borrowings	372,274	313,520
Long-term advances from Federal Home Loan Bank	136,890	128,500
Junior subordinated debentures	5,000	5,000
Other liabilities	7,073	7,964
TOTAL LIABILITIES	1,411,353	1,313,033
Shareholders' equity
Capital stock, par value $2.00; authorized 20,000,000 and 10,000,000 shares; issued 6,788,407 shares at June 30, 2015 and December 31, 2014, respectively	13,577	13,577
Surplus	21,131	20,905
Retained earnings	117,950	113,149
Accumulated other comprehensive income:
Prior service cost and unamortized net actuarial losses on employee benefit plans, net of tax of ($28) and ($29), at March 31, 2011 and December 31, 2010, respectively	(475)	(488)
Net unrealized appreciation (depreciation) on securities available for sale, net of tax of $2,267 and $3,997, at June 30, 2015 and December 31, 2014, respectively	4,212	7,423
Portion of OTTI attributable to non-credit gains, net of tax of $265 and $257, at June 30, 2015 and December 31, 2014, respectively	491	478
Net unrealized appreciation on derivative instruments, net of tax of $476 and $389, at June 30, 2015 and December 31, 2014, respectively	(884)	(722)
Total accumulated other comprehensive income (loss)	3,344	6,691
Less: cost of 803,451 and 842,082 shares of treasury stock at June 30, 2015 and December 31, 2014, respectively	(7,346)	(8,035)
TOTAL SHAREHOLDERS' EQUITY	148,656	146,287
TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY	$ 1,560,009	$ 1,459,320