Borrowings and Borrowings Availability (Tables)

12 Months Ended

Dec. 31, 2015

			2015
Description - 2015	Due date	Call Feature	Amount		Interest Rate

FHLB Term Note	1/19/16	None	$	30,000,000	0.41% fixed
FHLB Term Note	1/29/16	None		50,000,000	0.38% fixed
FHLB Term Note	12/27/16	None		20,000,000	0.76% fixed
FHLB Term Note	12/26/17	None		20,000,000	1.19% fixed
FHLB Term Note	12/24/18	None		20,000,000	1.57% fixed
Trust Preferred Securities	1/23/34	Quarterly by Company beginning 1/23/09		20,620,000	3.02% at 12/31/15 adjustable rate 3 month LIBOR + 2.70%

Trust Preferred Securities	6/15/36	Quarterly by Company beginning 6/15/11		25,774,000	1.90% at 12/31/15 adjustable rate 3 month LIBOR + 1.39%
Total borrowings / weighted average rate as of December 31, 2015			$	186,394,000	1.14%

Description - 2014	Due date	Call Feature	2014 Amount		Interest Rate

FHLB Term Note	1/29/15	None	$	50,000,000	0.20%fixed
FHLB Term Note	9/30/15	None		20,000,000	0.44%fixed
Trust Preferred Securities	1/23/34	Quarterly by Company beginning 1/23/09		20,620,000	2.96% at 12/31/14 adjustable rate 3 month LIBOR + 2.70%

Trust Preferred Securities	6/15/36	Quarterly by Company beginning 6/15/11		25,774,000	1.65% at 12/31/14 adjustable rate 3 month LIBOR + 1.39%
Total borrowings / weighted average rate as of December 31, 2014			$	116,394,000	1.05%