NOTE 4 - LOANS

Loans at year-end were as follows:


	2016			2015
Commercial and Agriculture	$	135,462		$	124,402
Commercial Real Estate - owner occupied		161,364			167,897
Commercial Real Estate - non-owner occupied		395,931			348,439
Residential Real Estate		247,308			236,338
Real Estate Construction		56,293			58,898
Farm Real Estate		41,170			46,993
Consumer and Other		17,978			18,560

Total Loans		1,055,506			1,001,527
Allowance for loan losses		(13,305	)		(14,361	)

Net loans	$	1,042,201		$	987,166

Included in total loans above are deferred loan fees of $94 at December 31, 2016 and $78 at December 31, 2015.

Loans to principal officers, directors, and their affiliates at year-end 2016 and 2015 were as follows:


	2016			2015
Balance - Beginning of year	$	15,147		$	7,031
New loans and advances		850			2,147
Repayments		(1,575	)		(2,947	)
Effect of changes to related parties		(33	)		8,916

Balance - End of year	$	14,389		$	15,147