CONDENSED CONSOLIDATED STATEMENTS OF CONDITION (UNAUDITED) - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Cash and cash equivalents
Cash and non-interest-bearing deposits due from banks	$ 78,344	$ 41,140
Interest-bearing deposits due from banks	18,650	13,376
Federal funds sold	0	1,000
Total cash and cash equivalents	96,994	55,516
Interest-bearing time deposits in other banks	0	10,000
Federal Reserve and Federal Home Loan Bank stock and other investments	6,177	8,600
Investment securities:
Available for sale, at fair value	273,837	298,670
Held to maturity (fair value of $65,851 and $64,796, respectively)	63,618	62,270
Total investment securities	337,455	360,940
Loans	1,476,626	1,355,427
Allowance for loan losses	20,051	19,200
Net loans	1,456,575	1,336,227
Loans held for sale	3,132	26,495
Premises and equipment, net	23,601	23,641
Bank owned life insurance	45,721	45,109
Deferred taxes	15,681	15,714
Accrued interest and loan fees receivable	5,774	5,676
Goodwill and other intangibles	2,992	2,991
Other assets	4,118	4,374
TOTAL ASSETS	1,998,220	1,895,283
LIABILITIES & STOCKHOLDERS' EQUITY
Demand deposits	766,444	683,634
Savings, N.O.W. and money market deposits	709,450	653,667
Subtotal core deposits	1,475,894	1,337,301
Time deposits	242,500	218,759
Total deposits	1,718,394	1,556,060
Borrowings	65,000	130,000
Unfunded pension liability	6,081	6,303
Capital leases	4,455	4,511
Other liabilities	13,139	15,676
TOTAL LIABILITIES	$ 1,807,069	$ 1,712,550
COMMITMENTS AND CONTINGENT LIABILITIES
STOCKHOLDERS' EQUITY
Common stock (par value $2.50; 15,000,000 shares authorized; 13,945,208 shares and 13,836,508 shares issued at June 30, 2015 and December 31, 2014, respectively; 11,779,470 shares and 11,670,770 shares outstanding at June 30, 2015 and December 31, 2014, respectively)	$ 34,863	$ 34,591
Surplus	45,102	44,230
Retained earnings	123,891	116,169
Treasury stock at par (2,165,738 shares)	(5,414)	(5,414)
Accumulated other comprehensive loss, net of tax	(7,291)	(6,843)
TOTAL STOCKHOLDERS' EQUITY	191,151	182,733
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$ 1,998,220	$ 1,895,283