Bank of the James Financial (BOTJ) 10-K 17 Mar 16 2015 FY Annual report Financial data

Document And Entity Information

Document And Entity Information - USD ($)	12 Months Ended
	Dec. 31, 2015	Mar. 16, 2016	Jun. 30, 2015
Document And Entity Information [Abstract]
Document Type	10-K
Amendment Flag	false
Document Period End Date	Dec. 31, 2015
Document Fiscal Period Focus	FY
Document Fiscal Year Focus	2,015
Entity Registrant Name	BANK OF THE JAMES FINANCIAL GROUP INC
Entity Central Index Key	1,275,101
Current Fiscal Year End Date	--12-31
Entity Filer Category	Smaller Reporting Company
Entity Common Stock, Shares Outstanding		4,378,436
Entity Public Float			$ 33,451,713
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Well-known Seasoned Issuer	No

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Assets
Cash and due from banks	$ 15,952	$ 12,743
Federal funds sold	12,703
Total cash and cash equivalents	28,655	12,743
Securities held-to-maturity (fair value of $2,649 in 2015 and $2,699 in 2014)	2,519	2,528
Securities available-for-sale, at fair value	35,996	24,395
Restricted stock, at cost	1,313	1,739
Loans, net of allowance for loan losses of $4,683 in 2015 and $4,790 in 2014	430,445	394,573
Loans held for sale	1,964	1,030
Premises and equipment, net	10,007	9,262
Interest receivable	1,248	1,246
Cash value - bank owned life insurance	9,781	9,512
Other real estate owned, net of valuation allowance	1,965	956
Income taxes receivable	1,096	945
Deferred tax asset, net	1,399	1,221
Other assets	755	715
Total assets	527,143	460,865
Deposits
Noninterest bearing demand	91,325	74,682
NOW, money market and savings	232,864	227,761
Time	143,421	97,054
Total deposits	467,610	399,497
Federal funds purchased		3,189
FHLB borrowings		12,000
Capital notes	10,000	10,000
Interest payable	61	58
Other liabilities	1,276	1,345
Total liabilities	$ 478,947	$ 426,089
Commitments and Contingencies
Stockholders' equity
Preferred stock; authorized 1,000,000 shares; none issued and outstanding as of December 31, 2015 and December 31, 2014
Common stock $2.14 par value; authorized 10,000,000 shares; issued and outstanding 4,378,436 as of December 31, 2015 and 3,371,616 as of December 31, 2014	$ 9,370	$ 7,215
Additional paid-in-capital	31,495	22,919
Retained earnings	7,920	5,031
Accumulated other comprehensive (loss)	(589)	(389)
Total stockholders' equity	48,196	34,776
Total liabilities and stockholders' equity	$ 527,143	$ 460,865

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Consolidated Balance Sheets [Abstract]
Securities held-to-maturity	$ 2,649	$ 2,699
Loans, allowance for loan losses	$ 4,683	$ 4,790
Preferred stock, shares authorized	1,000,000	1,000,000
Preferred stock, shares issued	0	0
Preferred stock, shares outstanding	0	0
Common stock, par value	$ 2.14	$ 2.14
Common stock, shares authorized	10,000,000	10,000,000
Common stock, shares issued	4,378,436	3,371,616
Common stock, shares outstanding	4,378,436	3,371,616

Consolidated Statements Of Inco

Consolidated Statements Of Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Interest Income
Loans	$ 19,377	$ 17,511
Securities
US Government and agency obligations	570	658
Mortgage backed securities	95	82
Municipals - taxable	108	244
Municipals - tax exempt	42	111
Dividends	67	63
Other (Corporates)	11	43
Interest bearing deposits	14
Federal Funds sold	18	17
Total interest income	20,302	18,729
Deposits
NOW, money market savings	509	486
Time Deposits	1,552	1,152
Federal Funds purchased	2	9
FHLB borrowings	28	76
Reverse repurchase agreements		2
Capital notes	600	600
Total interest expense	2,691	2,325
Net interest income	17,611	16,404
Provision for loan losses	282	55
Net interest income after provision for loan losses	17,329	16,349
Noninterest income
(Gain) on sales of loans held for sale	2,278	1,716
Service charges, fees and commissions	1,390	1,352
Increase in cash value of life insurance	269	282
Other	207	94
Gain on sales of available-for-sale securities, net	49	143
Total noninterest income	4,193	3,587
Noninterest expenses
Salaries and employee benefits	8,727	7,940
Occupancy	1,204	1,214
Equipment	1,275	1,234
Supplies	419	387
Professional, data processing, and other outside expense	2,218	2,241
Marketing	465	472
Credit expense	301	220
Other real estate expenses	122	206
FDIC insurance expense	331	262
Other	1,003	812
Amortization of tax credit investment	114	247
Total noninterest expenses	16,179	15,235
Income before income taxes	5,343	4,701
Income tax expense	1,651	1,288
Net Income	$ 3,692	$ 3,413
Weighted average shares outstanding - basic	3,451,409	3,365,410
Weighted average shares outstanding- diluted	3,451,409	3,365,410
Earnings per common share - basic	$ 1.07	$ 1.01
Earnings per common share - diluted	$ 1.07	$ 1.01

Consolidated Statements Of Comp

Consolidated Statements Of Comprehensive Income - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2015	Dec. 31, 2014
Consolidated Statements Of Comprehensive Income [Abstract]
Net Income		$ 3,692	$ 3,413
Other comprehensive income (loss)
Unrealized gains (losses) on securities available-for-sale		(255)	3,220
Tax effect		87	(1,094)
Reclassification adjustment for gains included in net income	[1]	(49)	(143)
Tax effect	[2]	17	49
Other comprehensive income (loss), net of tax		(200)	2,032
Comprehensive income		$ 3,492	$ 5,445
[1]	Gains are included in "gain on sale of available-for-sale securities, net" on the consolidated statements of income.
[2]	The tax effect on these reclassifications is reflected in "income tax expense" on the consolidated statements of income.

Consolidated Statements Of Chan

Consolidated Statements Of Changes In Stockholders' Equity - USD ($) $ in Thousands	Common Stock [Member]	Additional Paid-In Capital [Member]	Retained Earnings [Member]	Accumulated Other Comprehensive Income (Loss) [Member]	Total
Balance at Dec. 31, 2013	$ 7,201	$ 22,868	$ 2,124	$ (2,421)	$ 29,772
Balance, shares at Dec. 31, 2013	3,364,874
Net Income			3,413		3,413
Dividends paid on common stock			(506)		(506)
Exercise of stock options	$ 14	51			65
Exercise of stock options, shares	6,742
Other comprehensive income (loss)				2,032	2,032
Balance at Dec. 31, 2014	$ 7,215	22,919	5,031	(389)	34,776
Balance, shares at Dec. 31, 2014	3,371,616
Net Income			3,692		3,692
Dividends paid on common stock			(803)		(803)
Net proceeds from issuance of common stock	$ 2,140	8,513			$ 10,653
Net proceeds from issuance of common stock, shares	1,000,000				1,000,000
Exercise of stock options	$ 15	63			$ 78
Exercise of stock options, shares	6,820				6,820
Other comprehensive income (loss)				(200)	$ (200)
Balance at Dec. 31, 2015	$ 9,370	$ 31,495	$ 7,920	$ (589)	$ 48,196
Balance, shares at Dec. 31, 2015	4,378,436

Consolidated Statements Of Cha7

Consolidated Statements Of Changes In Stockholders' Equity (Parenthetical) - $ / shares	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Consolidated Statements Of Changes In Stockholders' Equity [Abstract]
Dividend paid on common stock, per share	$ 0.22	$ 0.15

Consolidated Statements Of Cash

Consolidated Statements Of Cash Flows - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Cash flows from operating activities
Net Income	$ 3,692	$ 3,413
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization	767	756
Net amortization and accretion of premiums and discounts on securities	110	237
(Gain) on sales of available for-sale-securities	(49)	(143)
(Gain) on sales of loans held for sale	(2,278)	(1,716)
Provision for loan losses	282	55
Loss on sale of other real estate owned	6	21
(Benefit) expense for deferred income taxes	(74)	362
Amortization of tax credit investment	114	247
(Increase) in cash value of life insurance	(269)	(282)
(Increase) decrease in interest receivable	(2)	114
(Increase) decrease in other assets	(154)	114
(Increase) in income taxes receivable	(151)	(497)
Increase (decrease) in interest payable	3	(7)
(Decrease) increase in other liabilities	(69)	177
Proceeds from sales of loans held for sale	79,893	65,152
Origination of loans held for sale	(78,549)	(62,545)
Writedown on other real estate owned	75	167
Net cash provided by operating activities	3,347	5,625
Cash flows from investing activities
Proceeds from maturities and calls of securities held-to-maturity		1,000
Purchases of securities available-for-sale	(27,019)	(3,140)
Proceeds from maturities, calls and paydowns of securities available-for-sale	1,622	120
Proceeds from sale of securities available-for-sale	13,440	27,708
Redemption (purchase) of Federal Home Loan Bank stock	426	(311)
Proceeds from sale of other real estate owned	360	474
Origination of loans, net of principal collected	(37,579)	(54,801)
Capital improvements to other real estate owned	(25)
Purchases of premises and equipment	(1,512)	(1,342)
Net cash (used in) investing activities	(50,287)	(30,292)
Cash flows from financing activities
Net increase in deposits	68,113	12,099
Net (decrease) in federal funds purchased	(3,189)	(919)
Net (decrease) increase in Federal Home Loan Bank advances	(12,000)	10,000
Dividends paid to common stockholders	(803)	(506)
Proceeds from sale of 1,000,000 shares of common equity	10,653
Proceeds from exercise of stock options	78	65
Net cash provided by financing activities	62,852	20,739
Increase (decrease) in cash and cash equivalents	15,912	(3,928)
Cash and cash equivalents at beginning of period	12,743	16,671
Cash and cash equivalents at end of period	28,655	12,743
Non cash transactions
Transfer of loans to other real estate owned	1,425	473
Loans made to finance the sale of other real estate owned		306
Fair value adjustment for securities	(304)	3,077
Cash transactions
Cash paid for interest	2,688	2,332
Cash paid for taxes	$ 1,875	$ 1,425

Consolidated Statements Of Cas9

Consolidated Statements Of Cash Flows (Parenthetical)	12 Months Ended
	Dec. 31, 2015shares
Consolidated Statements Of Cash Flows [Abstract]
Shares of common equity	1,000,000

Organization

Organization	12 Months Ended
	Dec. 31, 2015
Organization [Abstract]
Organization	Note 1 – Organization Bank of the James Financial Group, Inc. ( “ Financial ” or the “ Company ” ), a Virginia corporation, was organized in 2003 and is registered as a bank holding company under the Bank Holding Company Act of 1956, as amended. Financial is headquartered in Lynchburg, Virginia. Financial conducts its business activities through the branch offices and loan production offices of its wholly owned subsidiary bank, Bank of the James (the “ Bank ” ), the Bank ’ s wholly-owned subsidiary, BOTJ Insurance, Inc. ( “ BOTJ-Ins. ” ), and through the Bank ’ s two divisions, Bank of the James Mortgage division ( “ Mortgage division ” ) and BOTJ Investment Services division ( “ Investment Services division ” ). The Mortgage division originates conforming and non-conforming home mortgages primarily in the Region 2000 area, which includes the counties of Amherst, Appomattox, Bedford and Campbell (which includes the Town of Altavista) and the cities of Bedford and Lynchburg, Virginia. Financial exists primarily for the purpose of holding the stock of its subsidiaries, the Bank and such other subsidiaries as it may acquire or establish. Financial also has one wholly-owned non-operating subsidiary. Bank of the James was incorporated on October 23, 1998, and began banking operations on July 22, 1999. The Bank is a Virginia chartered bank and is engaged in lending and deposit gathering activities in Region 2000 and other markets in Central Virginia . It operates under the laws of Virginia and the Rules and Regulations of the Federal Reserve System and the Federal Deposit Insurance Corporation. The Bank ’ s locations consist of f ive branches ( one of which is a limited service branch) in Lynchburg, Virginia, one in Forest, Virginia which includes the Mortgage Division, one in Madison Heights, Virginia, one in the Town of Amherst, Virginia, one in the City of B edford, Virginia, and one in the Town of Altavista, Virginia. The Bank also operates a commercial and mortgage loan pro duction office in Roanoke, Virginia, two limited service branches and a loan production office in Charlottesville, Virginia, and a full service branch in Harrisonburg, Virginia.

Summary Of Significant Accounti

Summary Of Significant Accounting Policies	12 Months Ended
	Dec. 31, 2015
Summary Of Significant Accounting Policies [Abstract]
Summary Of Significant Accounting Policies	Note 2 - Summary of significant accounting policies Consolidation The consolidated financial statements include the accounts of Bank of the James Financial Group, Inc. and its wholly owned subsidiaries. All material intercompany balances and transactions have been eliminated in consolidation. Basis of presentation and use of estimates The preparation of the consolidated financial statements in conformity with accounting principles generally accepted in the United States of America requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent liabilities at the date of the financial statements, as well as the amounts of income and expenses during the reporting period. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant change in the near term relate to the determination of the allowance for loan losses and valuation of other real estate owned. Cash and cash equivalents Cash and cash equivalents include cash and balances due from banks and federal funds sold, all of which mature within ninety days. Generally, federal funds are purchased and sold for one-day periods. Note 2 - Summary of significant accounting policies (continued) Securities Certain debt securities that management has the positive intent and ability to hold to maturity are classified as “held-to-maturity” and recorded at amortized cost. Trading securities are recorded at fair value with changes in fair value included in earnings. Securities not classified as held-to-maturity or trading, including equity securities with readily determinable fair values, are classified as “available-for-sale” and recorded at fair value, with unrealized gains and losses excluded from earnings and reported in other comprehensive income (loss). Purchase premiums and discounts are recognized in interest income using the interest method over the terms of the securities. Gains and losses on the sale of securities are recorded on the trade date and are determined using the specific identification method. Impairment of securities occurs when the fair value of a security is less than its amortized cost. For debt securities, impairment is considered other-than-temporary and recognized in its entirety in net income if either (1) the Bank intends to sell the security or (2) it is more likely than not that the Bank will be required to sell the security before recovery of its amortized cost basis. If, however, the Bank does not intend to sell the security and it is not more likely than not that the Bank will be required to sell the security before recovery, the Bank must determine what portion of the impairment is attributable to a credit loss, which occurs when the amortized cost of the security exceeds the present value of the cash flows expected to be collected from the security. If there is no credit loss, there is no other-than temporary impairment. If there is a credit loss, other-than-temporary impairment exists, and the credit loss must be recognized in net income and the remaining portion of impairment must be recognized in other comprehensive income. For equity securities, impairment is considered to be other-than-temporary based on our ability and intent to hold the investment until a recovery of fair value. Other-than-temporary impairment of an equity security results in a write-down that must be included in net income. We regularly review each investment security for other-than-temporary impairment based on criteria that include the extent to which cost exceeds market price, the duration of that market decline, the financial health of and specific prospects for the issuer, our best estimate of the present value of cash flows expected to be collected from debt securities, our intention with regard to holding the security to maturity, and the likelihood that we would be required to sell the security before recovery. Restricted investments As members of the Federal Reserve Bank (FRB) and the Federal Home Loan Bank of Atlanta (FHLBA), the Bank is required to maintain certain minimum investments in the common stock of the FRB and FHLBA. Required levels of investment are based upon the Bank’s capital and a percentage of qualifying assets. The Bank also maintains stock ownership in Community Bankers’ Bank (CBB). The investment in CBB is minimal and is not mandated but qualifies the Bank for preferred pricing on services offered by CBB. Based on liquidation restrictions, all of these investments are carried at cost. Loans Financial makes real estate, commercial and consumer loans to customers. A substantial portion of the loan portfolio is represented by real estate loans collateralized by real estate within Region 2000. The ability of Financial’s debtors to honor their contracts is dependent upon the real estate and general economic conditions in the area. Loans that management has the intent and ability to hold for the foreseeable future or until maturity or pay-off generally are reported at their outstanding unpaid principal balances adjusted for charge-offs, the allowance for loan losses, and any deferred fees or costs on originated loans. Interest income is accrued on the unpaid principal Note 2 - Summary of significant accounting policies (continued) balance. Loan origination fees, net of certain direct origination costs, are deferred and recognized as an adjustment of the related loan yield using the interest method. Past due status Past due status is based on the contractual terms of the loan. In all cases, loans are placed on non-accrual and potentially charged-off at an earlier date if collection of principal or interest is considered doubtful. Non-accrual status Financial stops accruing interest on a loan at the time the loan is 90 days past due unless the credit is well-secured and in process of collection. At the time the loan is placed on non-accrual status, all previously accrued but not collected interest is reversed against interest income. While the loan is classified as non-accrual, any payments collected are accounted for using the cost-recovery method which requires the entire amount of the payment to be applied directly to principal, until qualifying for return to performing status. Loans may be, but are not always, returned to performing status when all the principal and interest amounts contractually due are brought current (within 90 days past due), future payments are reasonably assured, and contractually required payments have been made on a timely basis for at least six consecutive months. Charge-off At the time a loan is placed on non-accrual status, it is generally reevaluated for expected loss and a specific reserve, if not already assigned, is established against the loan. Consumer term loans are typically charged-off no later than 120 days whereas consumer revolving credit loans are typically charged-off no later than 180 days. Although the goal for commercial and commercial real estate loans is for charge off no later than 180 days, a commercial or commercial real estate loan may not be fully charged off until there is reasonable certainty that no additional workout efforts, troubled debt restructurings or any other types of concession can or will be made by Financial. Loans Held for Sale Loans originated and intended for sale in the secondary market are sold, servicing released, and carried at the lower of cost or fair value, which is determined in the aggregate based on sales commitments to permanent investors or on current market rates for loans of similar quality and type. In addition, the Company requires a firm purchase commitment from a permanent investor before a loan can be closed, thus limiting interest rate risk. The amount of interest rate lock commitments is currently an immaterial amount. Allowance for loan losses The allowance for loan losses is established as losses that are estimated to have occurred through a provision for loan losses charged to earnings. Loan losses are charged against the allowance when management believes the uncollectibility of a loan balance is confirmed. Subsequent recoveries, if any, are credited to the allowance. The allowance for loan losses is evaluated on a regular basis by management and is based upon management’s periodic review of the collectibility of the loans in light of historical experience, the nature and volume of the loan portfolio, adverse situations that may affect the borrower’s ability to repay, estimated value of any underlying collateral and prevailing economic conditions. This evaluation is inherently subjective as it requires estimates that are susceptible to significant revision as more information becomes available. Note 2 - Summary of significant accounting policies (continued) The allowance consists of specific, historical and general components. The specific component relates to loans that are classified as doubtful or substandard. For such loans that are also classified as impaired, an allowance is established when the collateral value of the impaired loan or discounted cash flows is lower than the carrying value of that loan. The historical component covers non-classified loans and is based on historical loss experience adjusted for qualitative factors. A general component is maintained to cover uncertainties that could affect management’s estimate of probable losses. The general component of the allowance reflects the margin of imprecision inherent in the underlying assumptions used in the methodologies for estimating specific and general losses in the portfolio. The qualitative factors used to derive the general component of the allowance may include but are not limited to: 1. Known improvement or deterioration in certain classes of loans or collateral; 2. Trends in portfolio volume, maturity, or composition; 3. Volume and trends in delinquencies and non-accruals; 4. Local economic and industrial conditions; 5. Lending, charge-off, and collection policies; and 6. Experience, ability, and depth of lending staff. A loan is considered impaired when, based on current information and events, it is probable that Financial will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Factors considered by management in determining impairment include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record, and the amount of the shortfall in relation to the principal and interest owed. Impairment is measured on a loan by loan basis by evaluating the discounted cash flows or fair value of the underlying collateral, if the loan is collateral dependent. Management considers the following four components when calculating its loan loss reserve requirement: o In accordance with current accounting rules (ASC 310) and the Bank’s impairment methodology, the Bank performs an individual impairment analysis on all loans having a principal balance greater than $100,000 (unless related to another classified relationship or a TDR) with a risk rating of substandard, doubtful, and loss (our internal risk ratings of 7 through 9). The Bank also performs individual loan analysis and assesses potential future losses associated with those relationships risk rated as special mention (our internal risk rating of 6). o In accordance with current accounting rules (ASC 450), the Bank examines historical charge-off data by segment in order to determine a portion of the reserve related to homogeneous pools. The Bank updates its historical charge-off data quarterly and adjusts the reserve accordingly. o The Bank applies various risk factors, including, for example, levels of trends in delinquencies, current and expected economic conditions, and levels of and trends in recoveries of prior charge-offs. Note 2 - Summary of significant accounting policies (continued) o The Bank applies factors to determine the method by which to determine the general reserve for inherent losses related to the loan pool, including, for example, loan concentrations, policy and procedure changes, national and local economic trends and conditions, and overall portfolio quality. Troubled debt restructurings In situations where, for economic or legal reasons related to a borrower’s financial condition, management may grant a concession to the borrower that it would not otherwise consider, the related loan is classified as a troubled debt restructuring (“TDR”). Management strives to identify borrowers in financial difficulty early and work with them to modify their loan to more affordable terms before their loans reach nonaccrual status. These modified terms may include rate reductions, principal forgiveness, payment forbearance and other actions intended to minimize the economic loss and to avoid foreclosure or repossession of collateral. In cases where borrowers are granted new terms that generally (although not required to be considered a TDR) provide for a reduction of either interest or principal, management measures any impairment on the restructuring as noted above for impaired loans. The Bank had $ 646 and $376 classified as TDRs as of December 31, 2015 and 2014, respectively. Premises, equipment and depreciation Premises and equipment, including leasehold improvements, are stated at cost less accumulated depreciation. Depreciation is provided over the estimated useful lives of the respective assets on the straight-line basis, which range from 3 to 7 years for equipment and 10 to 39.5 years for buildings and improvements. Leasehold improvements are amortized over a term which includes the remaining lease term and probable renewal periods. Land is carried at cost and is not depreciable. Expenditures for major renewals and betterments are capitalized and those for maintenance and repairs are charged to operating expenses as incurred. Bank owned life insurance Financial has purchased life insurance policies on certain key employees. Bank owned life insurance is recorded at the amount that can be realized under the insurance contract at the balance sheet date, which is the cash surrender value. Other real estate owned Other real estate owned consists of properties acquired through foreclosure or deed in lieu of foreclosure. These properties are carried at fair value less estimated costs to sell at the date of foreclosure. Losses from the acquisition of property in full or partial satisfaction of loans are charged against the allowance for loan losses. Subsequent write-downs, if any, are charged against expense. Gains and losses on the sales of foreclosed properties are included in determining net income in the year of the sale. Operating costs after acquisition are expensed. Transfers of financial assets Transfers of financial assets are accounted for as sales, when control over the assets has been surrendered. Control over transferred assets is deemed to be surrendered when (1) the assets have been isolated from the Bank – put presumptively beyond reach of the transferor and its creditors, even in bankruptcy or other receivership, (2) the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge Note 2 - Summary of significant accounting policies (continued) or exchange the transferred assets, and (3) the Bank does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity or the ability to unilaterally cause the holder to return specific assets. Fair Value of Financial Instruments Fair values of financial instruments are estimated using relevant market information and other assumptions, as more fully disclosed in a separate note. Fair value estimates involve uncertainties and matters of significant judgment regarding interest rates, credit risk, prepayments, and other factors, especially in the absences of broad markets for particular items. Changes in assumptions or in market conditions could significantly affect these estimates. Operating Segments While the chief decision-makers monitor the revenue streams of the various products and services, operations are managed and financial performance evaluated on a Company-wide basis. Operating segments are aggregated into one as operating results for all segments are similar. Accordingly, all of the financial service operations are considered by management to be aggregated in one reportable operating segment. Retirement Plans Employee 401(k) and profit sharing expense is the amount of matching contributions. Deferred compensation and supplemental retirement plan expense allocates the benefits over years of service. Income taxes Deferred income tax assets and liabilities are determined using the liability (or balance sheet) method. Under this method, the net deferred tax asset or liability is determined based on the tax effects of the temporary differences between the book and tax bases of the various balance sheet assets and liabilities and gives current recognition to changes in tax rates and laws. When tax returns are filed, it is highly certain that some positions taken would be sustained upon examination by the taxing authorities, while others are subject to uncertainty about the merits of the position taken or the amount of the position that would be ultimately sustained. The benefit of a tax position is recognized in the financial statements in the period during which, based on all available evidence, management believes it is more likely than not that the position will be sustained upon examination, including the resolution of appeals or litigation processes, if any. Tax positions taken are not offset or aggregated with other positions. Tax positions that meet the more-likely-than-not recognition threshold are measured as the largest amount of tax benefit that is more than 50 percent likely of being realized upon settlement with the applicable taxing authority. The portion of the benefits associated with tax positions taken that exceeds the amount measured as described above is reflected as a liability for unrecognized tax benefits in the accompanying consolidated balance sheets along with any associated interest and penalties that would be payable to the taxing authorities upon examination. Interest and penalties associated with unrecognized tax benefits are classified as additional income taxes in the consolidated statements of income. At December 31, 2015 and 2014, there were no liabilities recorded for unrecognized tax benefits. Note 2 - Summary of significant accounting policies (continued) Stock options Current accounting guidance requires the costs resulting from all share-based payments to employees be recognized in the financial statements. Stock-based compensation is estimated at the date of grant, using the Black-Scholes option valuation model for determining fair value, and recognized over the option’s vesting period . As of December 31, 2015, all compensation expense related to the Company’s option plan had been recognized. The Company’s ability to grant additional option shares under the 1999 Plan has expired. There were no options granted in 2015 or 2014. Earnings per common share Basic earnings per common share represents income available to common stockholders divided by the weighted-average number of common shares outstanding during the period. Diluted earnings per common share reflects additional common shares that would have been outstanding if dilutive potential common shares had been issued, as well as any adjustment to income that would result from the assumed issuance. Potential common shares that may be issued by the Company relate solely to outstanding stock options, and are determined using the treasury stock method. Reclassification Management has made certain immaterial reclassifications to conform to the 2015 presentation. Comprehensive income Comprehensive income consists of net income and other comprehensive income (loss). Other comprehensive income (loss) includes unrealized gains (losses) on available-for-sale securities. Marketing The Company expenses advertising costs as incurred. Advertising expenses were $ 46 6 and $472 for 2015 and 2014, respectively.

Restrictions On Cash

Restrictions On Cash	12 Months Ended
	Dec. 31, 2015
Restrictions On Cash [Abstract]
Restrictions On Cash	Note 3 - Restrictions on cash To comply with Federal Reserve regulations, the Bank is required to maintain certain average cash reserve balances. The daily average cash reserve requirements were approximately $ 5,562 and $4,987 for the weeks includin g December 31, 201 5 and 201 4 , respectively.

Securities

Securities	12 Months Ended
	Dec. 31, 2015
Securities [Abstract]
Securities	Note 4 - Securities A summary of the amortized cost and fair value of securities, with gross unrealized gains and losses, follows: December 31, 201 5 Amortized Gross Unrealized Fair Cost Gains Losses Value Held -to -maturity U.S. agency obligations $2,519 $130 $ - $2,649 Available-for-sale U.S. agency obligations $19,606 $3 $(799) $18,810 Mortgage-backed securities 10,778 4 (135) 10,647 Municipals 4,984 84 (34) 5,034 Corporates 1,521 - (16) 1,505 $36,889 $91 $(984) $35,996 December 31, 201 4 Amortized Gross Unrealized Fair Cost Gains Losses Value Held-to -maturity U.S. agency obligations $2,528 $171 $ - $2,699 Available-for-sale U.S. agency obligations $14,090 $ - $(592) $13,498 Mortgage-backed securities 2,042 - (60) 1,982 Municipals 7,832 114 (47) 7,899 Corporates 1,020 - (4) 1,016 $24,984 $114 $(703) $24,395 Temporarily Impaired Securities The following tables show the gross unrealized losses and fair value of the Bank ’ s investments with unrealized losses that are not deemed to be other-than-temporarily impaired, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position, a t December 31, 201 5 and 201 4 : Note 4 –Securities (continued) Dece mber 31, 201 5 Less than 12 months More than 12 months Total Fair Unrealized Fair Unrealized Fair Unrealized Value Losses Value Losses Value Losses U.S. agency obligations $7,160 $353 $10,650 $446 $17,810 $799 Mortgage-backed securities 6,726 77 1,979 58 8,705 135 Corporates 1,505 16 - - 1,505 16 Municipals 2,341 25 503 9 2,844 34 Total temporarily impaired securities $17,732 $471 $13,132 $513 $30,864 $984 Dece m ber 31, 201 4 Less than 12 months More than 12 months Total Fair Unrealized Fair Unrealized Fair Unrealized Value Losses Value Losses Value Losses U.S. agency obligations $999 $1 $11,502 $591 $12,501 $592 Mortgage-backed securities - - 1,982 60 1,982 60 Corporates - - 1,016 4 1,016 4 Municipals 771 9 3,192 38 3,963 47 Total temporarily impaired securities $1,770 $10 $17,692 $693 $19,462 $703 U.S. agency obligations. The unrealized losses on the 1 6 investments in U.S. agency obligations at December 31, 2015 were caused by an increase in interest rate s . The contractual terms of those investments do no t permit the issuer to settle the securities at a price less than the amortized cost bases of the investments. Because the Bank does not intend to sell the investments and it is not more likely than not that the Bank will be required to sell the investments before recovery of their amortized cost bases, which may be maturity, the Bank does not consider those investments to be other-than-temporarily impaired at December 31, 201 5 . Each of these 16 investments carries an S&P investment grade rating of AA. Note 4 –Securities (continued) Mortgage-backed securities. The unrealized loss on the four investment s in U.S. government agency mortgage-backed securities at December 31, 2015 was caused by an increase in interest rates . The contractual terms of those investment s do es no t permit the issuer to settle the securities at a price le ss than the amortized cost basis of the investment s . Because the Bank does not intend to sell the investments and it is not more likely than not that the Bank will be required to sell the investments before recovery of the amortized cost basi s, which may be maturity, the Bank does not consider those investments to be other-than-temporarily impaired at December 31, 201 5 . Each of these four investments carries an S&P investment grade rating of AA. Municipals. The unrealized losses on the six investments in municipal obligatio ns at December 31, 201 5 were caused by an increase in interest rate s . The contractual terms of those investments do no t permit the issuer to settle the securities at a price less than the amortized cost bases of the investments. Because the Bank does not intend to sell the investments and it is not more likely than not that the Bank will be required to sell the investments before recovery of their amortized cost bases, which may be maturity, the Bank does not consider those investments to be other-than-temporarily impa ired at December 31, 201 5 . Each of these six investments carries an S&P investment grade rating of AA or above. Corporates. The unrealized loss es on the three investment s in domestic corporate issued securities at December 31, 2015 were caused by an increase in interest rate s . The contractual terms of those investment s do es no t permit the issuer to settle the securities at a price le ss than the amortized cost basis of the investment s . Because the Bank does not intend to sell the investments and it is not more likely than not that the Bank will be required to sell the investments before recovery of the amortized cost basi s, which may be maturity, the Bank does not consider those investments to be other-than-temporarily impaired at December 31, 201 5 . Each of these three investments carries an S&P investment grade rating of AA. The amortized costs and fair values of securities at December 31, 201 5 , by contractual maturity, are shown below. Expected maturities may differ from contractual maturities because borrowers may h ave the right to call or prepay obligations with or without call or prepayment penalties. Held-to-Maturity Available-for-Sale Amortized Fair Amortized Fair Cost Values Cost Values Due in one year or less $ - $ - $ - $ - Due after one year through five years 2,519 2,649 479 496 Due after five years through ten years - - 13,171 12,853 Due after ten years - - 23,239 22,647 $2,519 $2,649 $36,889 $35,996 The Bank received $ 13,440 in proceeds from sales of securities available-for-sale in 201 5 . Gross realized gains amounted to $ 52 and gross realized losses amounted to $ 3 . The Bank received $ 27,708 in proceeds from sales of securities available-for-sale in 201 4 . Gross realized gains amounted to $ 160 and gross realized losses amounted to $ 17 . Note 4 –Securities (continued) The amortized costs of securities pledged as collateral for public deposits and other short term borrowings were approximatel y $ 11,795 and $11,828 (fair value of $ 11,706 and $11,828 ) at December 31, 201 5 and 201 4 , respectively.

Loans and Allowance for loan lo

Loans and Allowance for loan losses	12 Months Ended
	Dec. 31, 2015
Loans and Allowance for loan losses [Abstract]
Loans and Allowance For Loan Losses	Note 5 - Loans and allowance for loan losses The allowance represents an amount that, in management ’ s judgment, will be adequate to absorb any losses on existing loans that may become uncollectible. Management ’ s judgment in determining the level of the allowance is based on evaluations of the collectability of loans while taking into consideration such factors as trends in delinquencies and charge-offs, changes in the nature and volume of the loan portfolio, current economic conditions that may affect a borrower ’ s ability to repay and the value of collateral, overall portfolio quality and review of specific potential losses. This evaluation is inherently subjective, as it requires estimates that are susceptible to significant revision as more information becomes available. Management has an established methodology used to determine the adequacy of the allowance for loan losses that assesses the risks and losses inherent in the loan portfolio. For purposes of determining the allowance for loan losses, the Bank has segmented certain loans in the portfolio by product type. Within these segments, the Bank has sub-segmented its portfolio by classes within the segments, based on the associated risks within these classes. The classifications set forth below do not correspond directly to the classifications set forth in the call report (Form FFIEC 041). Management has determined that the classifications set forth below are more appropriate for use in identifying and managing risk in the loan portfolio. Loan Segments: Loan Classes: Commercial Commercial and industrial loans Commercial real estate Commercial mortgages – owner occupied Commercial mortgages – non-owner occupied Commercial construction Consumer Consumer unsecured Consumer secured Residential Residential mortgages Residential consumer construction Note 5 - Loans and allowance for loan losses (continued) The evaluation also considers the following risk characteristics of each loan segment : · Commercial loans carry risks associated with the successful operation of a business because the repayment of these loans may be dependent upon the profitability and cash flows of the business or project. In addition, there is risk associated with the value of collateral other than real estate which may depreciate over time and cannot be appraised with as much precision. · Commercial real estate loans carry risks associated with a real estate project and other risks associated with the ownership of real estate. In addition, for real estate construction loans there is a risk that the project will not be finished according to schedule, the project will not be finished according to budget and the value of the collateral may, at any point in time, be less than the principal amount of the loan. Construction loans also bear the risk that the general contractor, who may or may not be a loan customer, may be unable to finish the construction project as planned because of financial pressure unrelated to the project. · Consumer loans carry risks associated with the continued credit-worthiness of the borrower and the value of the collateral (e.g., rapidly-depreciating assets such as automobiles), or lack thereof. Consumer loans are more likely than real estate loans to be immediately adversely affected by job loss, divorce, illness or personal bankruptcy. Unsecured consumer loans carry additional risks associated with the continued credit-worthiness of borrowers who may be unable to meet payment obligations. · Residential mortgage and construction loans carry risks associated with the continued credit-worthiness of the borrower and changes in the value of the collateral. Equity lines of credit carry risks associated with the continued credit-worthiness of the borrower and changes in the value of the collateral. The Bank ’ s internal risk rating system is in place to grade commercial and commercial real estate loans. Category ratings are reviewed periodically by lenders and the credit review area of the Bank based on the borrower ’ s individual situation. Additionally, internal and external monitoring and review of credits are conducted on an annual basis. Below is a summary and definition of the Bank ’ s risk rating categories: RATING 1 Excellent RATING 2 Above Average RATING 3 Satisfactory RATING 4 Acceptable / Low Satisfactory RATING 5 Monitor RATING 6 Special Mention RATING 7 Substandard RATING 8 Doubtful RATING 9 Loss Based on the above criteria, we segregate loans into the above categories for special mention, substandard, doubtful and loss from non-classified, or pass rated, loans. We review the characteristics of each rating at least annually, generally during the first quarter. The characteristics of these ratings are as follows: Note 5 - Loans and allowance for loan losses (continued) · “ Pass. ” These are loans having risk ratings of 1 through 4. Pass loans are to persons or business entities with an acceptable financial condition, appropriate collateral margins, appropriate cash flow to service the existing loan, and an appropriate leverage ratio. The borrower has paid all obligations as agreed and it is expected that this type of payment history will continue. When necessary, acceptable personal guarantors support the loan. · “ Monitor. ” These are loans having a risk rating of 5. Monitor loans have currently acceptable risk but may have the potential for a specific defined weakness in the borrower ’ s operations and the borrower ’ s ability to generate positive cash flow on a sustained basis. The borrower ’ s recent payment history may currently or in the future be characterized by late payments. The Bank ’ s risk exposure is mitigated by collateral supporting the loan. The collateral is considered to be well-margined, well maintained, accessible and readily marketable. · “ Special Mention. ” These are loans having a risk rating of 6. Special Mention loans have weaknesses that deserve management ’ s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the asset or in the Bank ’ s credit position at some future date. Special Mention loans are not adversely classified and do not expose an institution to sufficient risk to warrant adverse classification. These loans do warrant more than routine monitoring due to a weakness caused by adverse events. · “ Substandard. ” These are loans having a risk rating of 7. Substandard loans are considered to have specific and well-defined weaknesses that jeopardize the viability of the Bank ’ s credit extension. The payment history for the loan has been inconsistent and the expected or projected primary repayment source may be inadequate to service the loan. The estimated net liquidation value of the collateral pledged and/or ability of the personal guarantor(s) to pay the loan may not adequately protect the Bank. There is a distinct possibility that the Bank will sustain some loss if the deficiencies associated with the loan are not corrected in the near term. A substandard loan would not automatically meet our definition of impaired unless the loan is significantly past due and the borrower ’ s performance and financial condition provide evidence that it is probable that the Bank will be unable to collect all amounts due. · “ Doubtful. ” These are loans having a risk rating of 8. Doubtful rated loans have all the weaknesses inherent in a loan that is classified substandard but with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions, and values, highly questionable and improbable. The p ossibility of loss is high. · “ Loss. ” These are loans having a risk rating of 9. Loss rated loans are not considered collectible under normal circumstances and there is no realistic expectation for any future payment on the loan. Loss rated loans are fully charged off. Note 5 - Loans and allowance for loan losses (continued) The Bank grants primarily commercial, real estate, and installment loans to customers throughout its market area, which consists primarily of Region 2000 which includes the counties of Amherst, Appomattox, Bedford and Campbell and the cities of Bedford and Lynchburg, Virginia. The real estate portfolio can be affected by the condition of the local real estate market. The commercial and installment loan portfolio can be affected by the local economic conditions. A summary of loans, net is as follows: December 31, 201 5 201 4 Commercial $76,773 $63,259 Commercial real estate 217,125 207,262 Consumer 81,531 76,380 Residential 59,699 52,462 Total loans (1) 435,128 399,363 Less allowance for loan losses 4,683 4,790 Net loans $430,445 $394,573 (1) Includes net deferred loan costs of $263 and $330 , respectively. The amount of overdrafts reclassified as loans was $ 17 an d $ 12 as of December 31, 201 5 and 201 4 , respectively. The Company’s officers, directors and their related interests have various types of loan relationships with the Bank. The total outstanding balances of these related party loans at December 31, 2015 and 2014 were $ 16,068 an d $ 17,339 respectively. During 2015, new loans and advances amounted to $2,252 and repayments amounted to $ 3,523 . It should be noted that the beginning balance as of December 31, 2014 was adjusted upward to account for the existing loan relationships maintained by the related interests of a new director appointed during 2015. Note 5 - Loans and allowance for loan losses (continued) The following tables set forth information regarding impaired and non-accrual loans as of December 31, 201 5 and 201 4 : Loans on Non-Accrual Status As of December 31, 201 5 201 4 Comm ercial $483 $1,965 Commercial Real Estate: Commercial Mortgages-Owner Occupied 799 212 Commercial Mortgages-Non-Owner Occupied 514 70 Commercial Construction 367 460 Consumer Consumer Unsecured 31 - Consumer Secured 269 20 Residential: Residential Mortgages 695 689 Residential Consumer Construction 248 90 Totals $3,406 $3,506 Note 5 - Loans and allowance for loan losses (continued) Impaired Loans As of and for the Year Ended December 31, 2015 Unpaid Average Interest Recorded Principal Related Recorded Income 2015 Investment Balance Allowance Investment Recognized With No Related Allowance Recorded: Commercial $ - $ - $ - $ 1,009 $ - Commercial Real Estate Commercial Mortgages-Owner Occupied 3,082 3,100 - 2,959 174 Commercial Mortgage Non-Owner Occupied 177 177 - 628 12 Commercial Construction 27 514 - 244 - Consumer Consumer Unsecured - - - - - Consumer Secured 20 20 - 21 1 Residential Residential Mortgages 1,997 2,027 - 1,466 86 Residential Consumer Construction 171 176 - 86 4 With an Allowance Recorded: Commercial $ 1,180 $ 1,256 $ 6100 $ 1,293 $ 38 Commercial Real Estate Commercial Mortgages-Owner Occupied 877 883 163 865 35 Commercial Mortgage Non-Owner Occupied 672 738 175 399 38 Commercial Construction 340 700 75 170 - Consumer Consumer Unsecured 31 32 31 16 1 Consumer Secured 190 193 153 155 10 Residential Residential Mortgages 650 800 87 740 42 Residential Consumer Construction - - - - - Totals: Commercial $ 1,180 $ 1,256 $ 610 $ 2,302 $ 38 Commercial Real Estate Commercial Mortgages-Owner Occupied 3,959 3,983 163 3,824 209 Commercial Mortgage Non-Owner Occupied 849 915 175 1,027 50 Commercial Construction 367 1,214 75 414 - Consumer Consumer Unsecured 31 32 31 16 1 Consumer Secured 210 213 153 176 11 Residential Residential Mortgages 2,647 2,827 87 2,206 128 Residential Consumer Construction 171 176 - 86 4 $ 9,414 $ 10,616 $ 1,294 $ 10,051 $ 441 Note 5 - Loans and allowance for loan losses (continued) Impaired Loans As of and for the Year Ended December 31, 201 4 2014 Recorded Investment Unpaid Principal Balance Related Allowance Average Recorded Investment Interest Income Recognized With No Related Allowance Recorded: Commercial $2,017 $2,280 $ - $2,641 $63 Commercial Real Estate Commercial Mortgages-Owner Occupied 2,835 2,835 - 1,687 152 Commercial Mortgage Non-Owner Occupied 1,078 1,128 - 1,041 75 Commercial Construction 460 1,194 - 606 - Consumer Consumer Unsecured - - - - - Consumer Secured 21 21 - 21 1 Residential Residential Mortgages 934 1,058 - 702 58 Residential Consumer Construction - - - - - With An Allowance Recorded: Commercial $1,406 $1,861 $713 $990 $29 Commercial Real Estate Commercial Mortgages-Owner Occupied 852 1,029 63 1,636 36 Commercial Mortgage Non-Owner Occupied 126 126 32 173 7 Commercial Construction - - - - - Consumer Consumer Unsecured - - - - - Consumer Secured 119 119 119 80 7 Residential Residential Mortgages 829 968 131 1,257 52 Residential Consumer Construction - - - - - Totals: Commercial $3,423 $4,141 $713 $3,631 $92 Commercial Real Estate Commercial Mortgages-Owner Occupied 3,687 3,864 63 3,323 188 Commercial Mortgage Non-Owner Occupied 1,204 1,254 32 1,214 82 Commercial Construction 460 1,194 - 606 - Consumer Consumer Unsecured - - - - - Consumer Secured 140 140 119 101 8 Residential Residential Mortgages 1,763 2,026 131 1,959 110 Residential Consumer Construction - - - - - $10,677 $12,619 $1,058 $10,834 $480 Note 5 - Loans and allowance for loan losses (continued) Changes in Allowance Methodology Beginning with the quarter ended December 31, 2014, the Company changed its methodology for determining the historical loss portion of general reserves assigned to unimpaired credits. In prior periods, a rolling three year historical “look-back” period was utilized in the determination of historical loss rates to apply to the segments of the loan portfolio in the determination of general reserves. At December 31, 2014, the Company changed this period to a four year rolling historical “look-back” period. The Company believes the expanded four year “look-back” period is more indicative of the losses and risks inherent in the portfolio, given the ongoing economic cycle and as the Bank expands into new markets. The following table represents the effect on the loan loss provision for the year ended December 31, 2014 as a result of the change in allowance methodology from that used in prior periods. Portfolio Segment : Calculated Provision Based on Current Methodology Calculated Provision Based on Prior Methodology Difference Commercial $334 $234 $100 Commercial Real Estate (260) (1,006) 746 Consumer (83) (259) 176 Residential 64 41 23 Total $55 $(990) $1,045 Note 5 - Loans and allowance for loan losses (continued) The following tables set forth the allowance for loan losses activity for the years ended December 31, 201 5 and 201 4 : Allowance for Loan Losses and Recorded Investment in Loans For the Year Ended December 31, 201 5 Commercial 2015 Commercial Real Estate Consumer Residential Total Allowance for Loan Losses: Beginning Balance $1,235 $2,194 $812 $549 $4,790 Charge-offs (294) (64) (257) - (615) Recoveries 14 122 54 36 226 Provision 240 (501) 464 79 282 Ending Balance $1,195 $1,751 $1,073 $664 $4,683 Ending Balance: Individually evaluated for impairment $610 $413 $184 $87 $1,294 Ending Balance: Collectively evaluated for impairment 585 1,338 889 577 3,389 Totals: $1,195 $1,751 $1,073 $664 $4,683 Loans: Ending Balance: Individually evaluated for impairment $1,180 $5,175 $241 $2,818 $9,414 Ending Balance: Collectively evaluated for impairment 75,593 211,950 81,290 56,881 425,714 Totals: $76,773 $217,125 $81,531 $59,699 $435,128 Note 5 - Loans and allowance for loan losses (continued) Allowance for Loan Losses and Recorded Investment in Loans For the Year Ended December 31, 201 4 Commercial 2014 Commercial Real Estate Consumer Residential Total Allowance for Loan Losses: Beginning Balance $1,015 $2,631 $935 $605 $5,186 Charge-offs (165) (187) (79) (120) (551) Recoveries 51 10 39 - 100 Provision 334 (260) (83) 64 55 Ending Balance $1,235 $2,194 $812 $549 $4,790 Ending Balance: Individually evaluated for impairment $713 $95 $119 $131 $1,058 Ending Balance: Collectively evaluated for impairment 522 2,099 693 418 3,732 Totals: $1,235 $2,194 $812 $549 $4,790 Loans: Ending Balance: Individually evaluated for impairment $3,423 $5,351 $140 $1,763 $10,677 Ending Balance: Collectively evaluated for impairment 59,386 201,911 76,240 50,699 388,686 Totals: $63,259 $207,262 $76,380 $52,462 $399,363 Note 5 - Loans and allowance for loan losses (continued) Age Analysis of Past Due Loans as of December 31, 201 5 2015 30-59 Days Past Due 60-89 Days Past Due Greater than 90 Days Total Past Due Current Total Loans Recorded Investment > 90 Days & Accruing Commercial $ - $244 $483 $727 $76,046 $76,773 $ - Commercial Real Estate: Commercial Mortgages-Owner Occupied 425 571 426 1,422 75,549 76,971 - Commercial Mortgages-Non-Owner Occupied 189 90 438 717 126,138 126,855 - Commercial Construction - - 367 367 12,932 13,299 - Consumer: Consumer Unsecured 2 - 31 33 6,828 6,861 - Consumer Secured 198 68 128 394 74,276 74,670 - Residential: Residential Mortgages 512 468 543 1,523 48,490 50,013 - Residential Consumer Construction - - 248 248 9,438 9,686 - Total $1,326 $1,441 $2,664 $5,431 $429,697 $435,128 $ - Age Analysis of Past Due Loans as of December 31, 201 4 2014 30-59 Days Past Due 60-89 Days Past Due Greater than 90 Days Total Past Due Current Total Loans Recorded Investment > 90 Days & Accruing Commercial $21 $80 $1,965 $2,066 $61,193 $63,259 $ - Commercial Real Estate: Commercial Mortgages-Owner Occupied 192 - 212 404 77,304 77,708 - Commercial Mortgages-Non-Owner Occupied 86 - 70 156 119,019 119,175 - Commercial Construction - - 460 460 9,919 10,379 - Consumer: Consumer Unsecured 11 - - 11 5,749 5,760 - Consumer Secured 15 - - 15 70,605 70,620 - Residential: Residential Mortgages 626 48 525 1,199 43,745 44,944 - Residential Consumer Construction 29 - - 29 7,489 7,518 - Total $980 $128 $3,232 $4,340 $395,023 $399,363 $ - Note 5 - Loans and allowance for loan losses (continued) Credit Quality Information - by Class December 31, 201 5 2015 Pass Monitor Special Substandard Doubtful Totals Mention Commercial $73,831 $290 $1,457 $1,195 $ - $76,773 Commercial Real Estate: Commercial Mortgages-Owner Occupied 68,813 1,353 2,801 4,004 - 76,971 Commercial Mortgages-Non-Owner Occupied 120,462 1,558 3,895 940 - 126,855 Commercial Construction 12,932 - - 367 - 13,299 Consumer Consumer Unsecured 6,830 - - 31 - 6,861 Consumer Secured 73,825 276 50 519 - 74,670 Residential: Residential Mortgages 47,180 - - 2,833 - 50,013 Residential Consumer Construction 9,438 - - 248 - 9,686 Totals $413,311 $3,477 $8,203 $10,137 $ - $435,128 Credit Quality Information - by Class December 31, 201 4 2014 Pass Monitor Special Substandard Doubtful Totals Mention Commercial $58,745 $725 $224 $3,565 $ - $63,259 Commercial Real Estate: Commercial Mortgages-Owner Occupied 71,087 1,718 1,216 3,687 - 77,708 Commercial Mortgages-Non-Owner Occupied 112,560 1,586 3,971 1,058 - 119,175 Commercial Construction 9,919 - - 460 - 10,379 Consumer Consumer Unsecured 5,673 - - 87 - 5,760 Consumer Secured 69,527 554 136 403 - 70,620 Residential: Residential Mortgages 41,578 1,258 120 1,988 - 44,944 Residential Consumer Construction 7,428 - - 90 - 7,518 Totals $376,517 $5,841 $5,667 $11,338 $ - $399,363 Note 5 - Loans and allowance for loan losses (continued) Troubled Debt Restructurings (TDRs) The following tables describe the loan modifications classified as TDRs during the twelve months ended December 31, 2015: For the Twelve Months Ended December 31, 2015 ( dollars in thousands) Troubled Debt Restructurings During the Period Number of Contracts Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment Commercial 1 $21 $21 Commercial Real Estate 2 $456 $456 There were no loan modifications that would have been classified as Troubled Debt Restructurings (TDR) during the twelve months ended December 31, 2014. The loans noted in the table above were modified during the periods to extend maturity only. These loans are factored into the determination of the allowance for loan losses as of the period indicated and are included in the Bank’s impaired loan analysis and individually evaluated for impairment. At December 31, 2015 and December 31, 2014, the Bank had no outstanding commitments to disburse additional funds on loans classified as TDRs. There were no loan modifications classified as TDRs within the last twelve months that defaulted (90 days past due) during the twelve months ended December 31, 2015 and 2014.

Other Real Estate Owned

Other Real Estate Owned	12 Months Ended
	Dec. 31, 2015
Other Real Estate Owned [Abstract]
Other Real Estate Owned	Note 6 - Other real estate owned At December 31, 2015 a nd 201 4 , OREO was $ 1,965 and $ 956 respectively. OREO is primarily comprised of residential properties and non-residential properties associated with commercial relationships, and are located in Virginia. As of December 31,2015, the Company held $0 of residential real estate loans in other real estate owned. As of December 31, 2015, there was $0 of consumer mortgage loans secured by residential real estate for which form foreclosure proceeding were in process. The following table represents the changes in OREO balance in 201 5 and 201 4 . OREO Changes Year Ended December 31, 201 5 201 4 Balance at the beginning of the year (net) $956 $1,451 Transfers from Loans 1,425 473 Capitalized costs 25 - Write-downs to OREO expense (75) (167) Sales (360) (780) (Loss) on sales (6) (21) Balance at the end of the year (net) $1,965 $956 Note 6 - Other real estate owned (continued) The following table sets forth the OREO expenses in 2015 and 2014. OREO Expense Year Ended December 31, 201 5 201 4 Los s on sales $6 $21 Write-downs 75 167 Expenses 41 18 Total $122 $206

Premises And Equipment

Premises And Equipment	12 Months Ended
	Dec. 31, 2015
Premises And Equipment [Abstract]
Premises And Equipment	Note 7 – Premises and equipment Pr emises and equipment at December 31, 201 5 and 201 4 are summarized as follows: December 31, 201 5 201 4 Land $3,014 $3,014 Building and improvements 6,142 5,261 Construction in progress 877 877 Furniture and equipment 5,951 5,477 Leasehold improvements 1,611 1,579 Software 2,106 1,981 19,701 18,189 Less accumulated depreciation 9,694 8,927 Net pr emises and equipment $10,007 $9,262 Total depreciation and amortization expense related to premises and equipment for t he years ended December 31, 2015 and 2014 was $ 767 and $ 756 , respectively .

Deposits

Deposits	12 Months Ended
	Dec. 31, 2015
Deposits [Abstract]
Deposits	Note 8 - Deposits A summary of deposit accounts is as follows: December 31, 201 5 201 4 Demand Noninterest bearing $91,325 $74,682 Interest bearing 117,934 104,786 Savings 114,930 122,975 Time, $ 250 ,000 or more 25,190 8,785 Other time 118,231 88,269 $467,610 $399,497 At December 31, 201 5 , maturities of time d eposits are scheduled as follows: Year Ending December 31, Amount 201 6 $63,960 201 7 25,954 201 8 33,377 201 9 10,187 20 20 9,943 $143,421 The Bank held deposits from the Company’s officers, directors and their related interests of $ 7,326 and $ 2,241 at December 31, 201 5 and 201 4 , respectively.

Business Segments

Business Segments	12 Months Ended
	Dec. 31, 2015
Business Segments [Abstract]
Business Segments	Note 9 – Business Segments The Company has two reportable business segments: (i) a traditional full service community banking segment and, (ii) a mortgage loan origination business. The community banking business segment includes Bank of the James which provides loans, deposits, investments and insurance to retail and commercial customers throughout Region 2000. The mortgage segment provides a variety of mortgage loan products principally within Region 2000. Mortgage loans are originated and sold in the secondary market through purchase commitments from investors. Because of the pre-arranged purchase commitments, there is minimal risk to the Company. Both of the Company’s reportable segments are service based. The mortgage business is a fee-based business while the Bank’s primary source of revenue is net interest income. The Bank also provides a referral network for the mortgage origination business. The mortgage business may also be in a position to refer its customers to the Bank for banking services when appropriate. Note 9 – Business Segments (continued) Information about reportable business segments and reconciliation of such information to the consoli dated financial statements for y ears ended December 31, 201 5 and 201 4 was a s follows : Business Segments Community Banking Mortgage Total For the year ended December 31, 2015 Net interest income $ 17,611 $ - $ 17,611 Provision for loan losses 282 - 282 Net interest income after provision for loan losses 17,329 - 17,329 Noninterest income 1,866 2,327 4,193 Noninterest expenses 14,401 1,778 16,179 Income before income taxes 4,794 549 5,343 Income tax expense 1,464 187 1,651 Net income $ 3,330 $ 362 $ 3,692 Total assets $ 525,077 $ 2,066 $ 527,143 For the year ended December 31, 2014 Net interest income $ 16,404 $ - $ 16,404 Provision for loan losses 55 - 55 Net interest income after provision for loan losses 16,349 - 16,349 Noninterest income 1,857 1,730 3,587 Noninterest expenses 13,811 1,424 15,235 Income before income taxes 4,395 306 4,701 Income tax expense 1,184 104 1,288 Net income $ 3,211 $ 202 $ 3,413 Total assets $ 459,804 $ 1,061 $ 460,865

Capital Notes

Capital Notes	12 Months Ended
	Dec. 31, 2015
Capital Notes [Abstract]
Capital Notes	Note 10 – Capital notes During the third quarter of 2012, Financial closed the private placement of unregistered debt securities (the “2012 Offering”) pursuant to which Financial issued $ 10 million in principal of notes (the “2012 Notes). The 2012 Notes bore interest at the rate of 6 % per year with interest payable quarterly in arrears. The 2012 Notes were scheduled to mature on April 1, 2017 , but were subject to prepayment in whole or in part on or after April 1, 2013 at Financial’s sole discretion on 30 days written notice to the holders. The notes were called on December 3, 2015 and paid in full on January 5, 2016.

Other Borrowings

Other Borrowings	12 Months Ended
	Dec. 31, 2015
Other Borrowings [Abstract]
Other Borrowings	Note 11 – Other borrowings Other borrowings consist of the following at December 31, 201 5 and 201 4 : As of December 31, Short Term: 201 5 2014 Federal funds purchased Balance at end of year $ - $3,189 Maximum month-end outstanding balance 814 5,976 Average outstanding balance during the year 184 963 Average interest rate during the year 1.09% 0.93% Average interest rate at end of year N/A 0.96% FHLB Borrowings : Federal Home Loan Bank advances Balance at end of year $ - $12,000 Maximum month-end outstanding balance 12,000 12,000 Average outstanding balance during the year 2,269 2,082 Average interest rate during the year 1.23% 3.65% Average interest rate at end of year N/A 2.56% Short-term borrowings may consist of securities sold under agreements to repurchase, which are secured transactions with customers and generally mature the day following the date sold. Short-term borrowings may also include Federal funds purchased, which are unsecured overnight borrowings from other financial institutions. Unsecured federal fund lines and their respective limits are maintained with the following institutions: Community Bankers ’ Bank, $ 11,000 , Zions Bank, $ 4,000 , PNC Bank, $6,000 and Suntrust Bank, $ 3,000 . In addition, the Bank maintains a $ 5,000 reverse repurchase agreement with Suntrust whereby securities may be pledged as collateral in exchange for funds for a minimum of 30 days with a maximum of 90 days. The Bank also maintains a secured federal funds line with Community Bankers ’ Bank whereby it may pledge securities as collateral with no specified minimum or maximum amount or term. The Bank is also a member of the Federal Home Loan Bank of Atlanta ( “ FHLBA ” ). The Bank ’ s available credit through the FHLBA is $ 105,493 as of December 31 , 201 5 , the most recent calculation. The Bank must pledge collateral in order to access the FHLBA available credit. Currently the Bank has pledged to FHLBA approximately $30,000 in 1-4 family residential mortgages which would allow the Bank to access up to this amount without any additional collateral. As of December 31, 2015, there are no outstanding balances on any of the credit facilities mentioned above.

Income Taxes

Income Taxes	12 Months Ended
	Dec. 31, 2015
Income Taxes [Abstract]
Income Taxes	Note 12 - Income taxes The Company files income tax returns in the U.S. federal jurisdiction and the state of Virginia. With few exceptions, the Company is no longer subject to U.S. federal, state and local income tax examinations by tax aut horities for years prior to 2012 . Income tax expense attributable to income before income tax expense is summarized as follows: December 31, 201 5 201 4 Current federal income tax expense $1,725 $926 Deferred fede ral income tax (benefit) expense (74) 362 Income tax expense $1,651 $1,288 Income tax expense differed from amounts computed by applying the U.S. Federal income tax rate of 34 % to income before income tax expense as a result of the following: 201 5 201 4 Com puted “expected” income tax expense $1,817 $1,599 Increase (reduction) in income tax resulting from: Non-taxable income (106) (134) Non-deductible expenses 38 27 Tax credit investments (98) (204) Income tax expense $1,651 $1,288 The tax effects of temporary differences result in deferred tax assets and liabilities as presented below: 201 5 201 4 Def e rred tax assets Allowance for loan losses $881 $785 Unrealized loss on available-for-sale securities 305 201 OREO 124 169 Non-accrual interest 432 484 Other 64 - Gross deferred tax assets 1,806 1,639 Deferred tax liabilities Depreciation 204 208 Other 203 210 Gross deferred tax liabilities 407 418 Net deferred tax asset $1,399 $1,221

Earnings Per Common Share (EPS)

Earnings Per Common Share (EPS)	12 Months Ended
	Dec. 31, 2015
Earnings Per Common Share (EPS) [Abstract]
Earnings Per Common Share (EPS)	Note 13 – E arnings per common share (EPS) Basic EPS excludes dilution and is computed by dividing net income available to common shareholders by the weighted-average number of common shares outstanding for the period. Diluted EPS reflects the potential dilution that could occur if securities or other contracts to issue common stock were exercised or converted into common stock, or resulted in the issuance of common stock that then shared in the earnings of the entity. The basic and diluted earnings per share calculations are as follows: 201 5 201 4 Numerator: Net income available to stockholders $3,692 $3,413 Basic EPS weighted average shares outstanding 3,451,409 3,365,410 Effect of dilutive securities: Incremental shares a ttributable to stock options - - Diluted EPS weighted-average shares outstanding 3,451,409 3,365,410 Basic earnings per common share $1.07 $1.01 Diluted earnings per common share $1.07 $1.01 At December 31, 2015, 6 36 option shares were excluded from the 201 5 earnings per share calculation because their effects were anti-dilutive. At December 31, 20 14 , 69,372 option shares were excluded from the 201 4 earnings per share calculation because their effects were ant i -dilutive.

Retirement Plans

Retirement Plans	12 Months Ended
	Dec. 31, 2015
Retirement Plans [Abstract]
Retirement Plans	Note 14 – Retirement plans Defined contribution benefit plan. The Company adopted a 401(k) defined contribution plan on October 1, 2000, which is administered by the Virginia Bankers ’ Association. Participants have the right to contribute up to a maximum of 19 % of pretax annual compensation or the maximum allowed under Section 401(g) of the Internal Revenue Code, whichever is less. The Company contributed $217 and $148 to the plan on behalf of the employees for the years ended December 31, 2015 and 2014, respectively . Supplemental Executive Retirement Plan . A Supplemental Executive Retirement Plan (SERP) was established to provide participating executives (as determined by the Company ’ s Board of Directors) with benefits that cannot be provided under the 401(k) as a result of limitations imposed by the Internal Revenue Code. The SERP will also provide benefits to eligib le employees or their survivors , as applicable, if they die, retire, or are terminated under certain circumstances. SERP expense totaled $ 187 and $ 207 for the years end ed December 31, 201 5 and 2014 , respectively. The Company funds the plan through a modified endowment contract. Income recorded for the plan represents life insurance income as recorded based on the projected increases in cash surrender values of life insurance policies. A s of December 31, 201 5 and 201 4 , th e life insurance policies had cash surrender va lues of approximate ly $ 9, 781 and $ 9,512 , respectively.

Stock Option Plan

Stock Option Plan	12 Months Ended
	Dec. 31, 2015
Stock Option Plan [Abstract]
Stock Option Plan	Note 15 – Stock option plan On October 21, 1999, the Board of Directors adopted the “1999 Stock Option Plan” for officers and employees. The ability to grant shares under the 1999 Stock Option Plan expired on October 21, 2009. The plan expired with 25,832 shares not granted. Stock option plan activity for the year ended December 31, 201 5 is summarized below: Weighted Weighted Average Average Remaining Exercise Contractual Intrinsic Shares Price Life (in years) Value Options outstanding, January 1, 2015 69,372 $ 11.44 Granted - - Exercised (6,820) 11.45 Forfeited (61,916) 11.42 Options outstanding, December 31, 2015 636 12.79 2.42 $ - Options exercisable, December 31, 2015 636 $ 12.79 2.42 $ - The intrinsic value of options exercised during 201 5 and 201 4 respectively was $ 10 and $ 5 . The intrinsic value represents the amount by which the current market value of the underlying stock exceeds the exercise price. This amount changes based on changes in the market value of the Company’s common stock. There is no additional unrecognized compensation ex pense related to option awards associated with the 1999 Stock Option Plan . The following is summarized information concerning currently outstanding and exercisable options as adjusted for all stock dividends previously declared and paid: Options Outstanding and Exercisable Exercise Remaining Weighted Average Price ($) Number of Options Contractual Life Exercise Price ($) 12.79 636 2.42 years 12.79

Stockholders' Equity

Stockholders' Equity	12 Months Ended
	Dec. 31, 2015
Stockholders' Equity [Abstract]
Stockholders' Equity	Note 16 – Stockholders’ equity The Bank is subject to certain legal and regulatory restrictions on the amount of cash dividends it may declare. Financial is a legal entity, separate and distinct from the Bank. Financial currently does not have any significant sources of revenue other than cash dividends paid to it by its subsidiaries. Both Financial and the Bank are subject to laws and regulations that limit the payment of cash dividends, including requirements to maintain capital at or above regulatory minimums. In October, 2014, Financial’s board of directors authorized a share repurchase program that authorized Financial to buy back up to 100,000 shares of common stock on such terms and conditions as the Company deems favorable. The plan expired in October, 2015 and no shares were repurchased under the plan. On December 3, 2015, Financial closed a private placement of common stock pursuant to which it received gross proceeds of $11,520,000 by selling an aggregate of 1,000,000 shares of Financials’ Common Stock at a price of $11.52 per share, as part of a private placement (the “Common Stock Private Placement”). Financial used $10,000,000 of the proceeds from the Common Stock Private Placement to prepay in full the 2012 Notes. All per share amounts have been adjusted to reflect all prior stock dividends and splits.

Regulatory Matters

Regulatory Matters	12 Months Ended
	Dec. 31, 2015
Regulatory Matters [Abstract]
Regulatory Matters	Note 17 - Regu latory matters The Bank is subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Company’s financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Bank must meet specific capital guidelines that involve quantitative measures of the Bank’s assets, liabilities, and certain off-balance-sheet items as calculated under regulatory accounting practices. The Bank’s capital amounts and classifications are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors. Quantitative measures established by regulation to ensure capital adequacy require the Bank to maintain minimum amounts and ratios (set forth in the following table) of total and Tier I capital (as defined in the regulations) to risk-weighted assets (as defined), and of Tier I capital to average assets (as defined). Management believes, as o f December 31, 201 5 that the Bank meets all capital adequacy requirements to which it is subject. The Bank’s actual regulatory capital amounts and ratios for December 31, 201 5 and 201 4 are also presented in the table below. On June 7, 2012, the Federal Reserve issued a series of proposed rules that would revise and strengthen its risk-based and leverage capital requirements and its method for calculating risk-weighted assets. The rules were proposed to implement the Basel III regulatory capital reforms from the Basel Committee on Banking Supervision and certain provisions of the Dodd-Frank Act. On July 2, 2013, the Federal Reserve approved certain revisions to the proposals and finalized new capital requirements for banking organizations. Effective January 1, 2015, the final rules require d Financial and the Bank to comply with the following new minimum capital ratios: (i) a new common equity Tier 1 capital ratio of 4.5% of risk-weighted assets; (ii) a Tier 1 capital ratio of 6.0% of risk-weighted assets (increased from the current requirement of 4.0% ); (iii) a total capital ratio of 8.0% of risk-weighted assets (unchanged from current requirement); and (iv) a leverage ratio of 4.0% of Note 17 - Regulatory matters (continued) total assets. These are the initial capital requirements, which will be phased in over a five -year period. When fully phased in on January 1, 2019, the rules will require Financial and the Bank to maintain (i) a minimum ratio of common equity Tier 1 to risk-weighted assets of at least 4.5%, plus a 2.5% “capital conservation buffer” (which is added to the 4.5% common equity Tier 1 ratio as that buffer is phased in, effectively resulting in a minimum ratio of common equity Tier 1 to risk-weighted assets of at least 7.0% upon full implementation), (ii) a minimum ratio of Tier 1 capital to risk-weighted assets of at least 6.0%, plus the capital conservation buffer (which is added to the 6.0% Tier 1 capital ratio as that buffer is phased in, effectively resulting in a minimum Tier 1 capital ratio of 8.5% upon full implementation), (iii) a minimum ratio of total capital to risk-weighted assets of at least 8.0%, plus the capital conservation buffer (which is added to the 8.0% total capital ratio as that buffer is phased in, effectively resulting in a minimum total capital ratio of 10.5% upon full implementation), and (iv) a minimum leverage ratio of 4.0%, calculated as the ratio of Tier 1 capital to average assets. The capital conservation buffer requirement will be phased in beginning January 1, 2016, at 0.625% of risk-weighted assets, increasing each year until fully implemented at 2.5% on January 1, 2019. The capital conservation buffer is designed to absorb losses during periods of economic stress. Banking institutions with a ratio of common equity Tier 1 to risk-weighted assets above the minimum but below the conservation buffer will face constraints on dividends, equity repurchases, and compensation based on the amount of the shortfall. With respect to the Bank, the rules also revised the “prompt corrective action” regulations pursuant to Section 38 of the FDIA by (i) introducing a common equity Tier 1 capital ratio requirement at each level (other than critically undercapitalized), with the required ratio being 6.5% for well-capitalized status; (ii) increasing the minimum Tier 1 capital ratio requirement for each category, with the minimum ratio for well-capitalized status being 8.0% (as compared to the current 6.0% ); and (iii) eliminating the current provision that provides that a bank with a composite supervisory rating of 1 may have a 3.0% Tier 1 leverage ratio and still be well-capitalized. The new capital requirements also include changes in the risk weights of assets to better reflect credit risk and other risk exposures. These include a 150% risk weight (up from 100% ) for certain high volatility commercial real estate acquisition, development and construction loans and nonresidential mortgage loans that are 90 days past due or otherwise on nonaccrual status, a 20% (up from 0% ) credit conversion factor for the unused portion of a commitment with an original maturity of one year or less that is not unconditionally cancellable, a 250% risk weight (up from 100% ) for mortgage servicing rights and deferred tax assets that are not deducted from capital, and increased risk-weights (from 0% to up to 600% ) for equity exposures. As of December 31, 201 5 , the most recent notification from the Federal Reserve Ban k of Richmond categorized the Bank as well capitalized under the regulatory framework for prompt corrective action. Note 17 - Regulatory matters (continued) To be categorized as well capitalized, the Bank must maintain minimum total risk-based, CET1, Tier I risk-based and Tier I leverage ratios as set forth in the following table. There are no conditions or events since that notification that management believes have changed the Bank’s category. The capital ratios for the Bank for 201 5 and 201 4 are set forth in the following table: December 31, 201 5 To Be Well Capitalized Under For Capital Prompt Corrective Actual Adequacy Purposes Action Provisions Amount Ratio Amount Ratio Amount Ratio Tot al capital (to risk-weighted assets) $52,461 11.76% $35,696 > 8.00% $44,620 > 10.00% Tier I capital (to risk-weighted assets) $47,778 10.71% $26,772 > 6.00% $35,696 > 8.00% Common Equity Tier 1 capital (to risk-weighted assets) $47,778 10.71% $20,079 >4.50% $29,003 >6.50% Tier I capital (leverage) (to average assets) $47,778 9.22% $20,724 > 4.00% $25,905 > 5.00% December 31, 201 4 To Be Well Capitalized Under For Capital Prompt Corrective Actual Adequacy Purposes Action Provisions Amount Ratio Amount Ratio Amount Ratio Tot al capital (to risk-weighted assets) $48,165 13.04% $29,548 > 8.00% $36,935 > 10.00% Tier I capital (to risk-weighted assets) $43,546 11.79% $14,774 > 4.00% $22,161 > 6.00% Tier I capital (leverage) (to average assets) $43,546 9.63% $18,091 > 4.00% $22,614 > 5.00% T he above tables set forth the capital position and analysis for the Bank only. Because total assets on a consolidated basis are less than $ 1,0 00,000, Financial is not subject to the consolidated capital requirements imposed by the Bank Holding Company Act. Consequently, Financial does not calculate its financial ratios on a consolidated basis. If calculated, the capital ratios for the Company on a consolidated basis would no longer be comparable to the capital ratios of the Bank because the proceeds of the private placement do not qualify as equity capital on a consolidated basis.

Contingent Liabilities

Contingent Liabilities	12 Months Ended
	Dec. 31, 2015
Contingent Liabilities [Abstract]
Contingent Liabilities	Note 18 – C ontingent liabilities The Bank rents, under non-cancelable leases, four of its banking facilities , one mortgage production office , and one commercial loan production office . The original lease for 615 Church Street expired on July 31, 2009. On August 1, 2009, the Bank elected to enter into a new 10 year lease for this property. The Bank has 3.5 years remaining on this lease. The Bank entered into a lease agreement for 828 Main Street with Jamesview Investments, LLC of which a Board member is a 100% owner. The initial term of the lease is 10 years with two five year renewal options for a total of 20 years. The Bank has 8.5 years remaining on this lease including option periods. The total expense to be incurred by the Bank over the entire course of the lease, including options to extend, is estimated to be $ 4,277 . In December 2005, the Bank entered into a lease agreement for 4935 Boonsboro Road. The initial term of the lease wa s 5 years with two five year renewal options for a total of 15 years. The Bank has 5 years r emaining on this lease and no remaining option period s . In September 2013, the Bank entered into a lease agreement for 1430 Rolkin Court in Charlottesville, VA. Lease payments did not begin on the property until the upfit was completed on January 1, 2014. The initial term of the lease is 5 years with one five year renewal option for a total of 10 years. The Bank has 8 years remaining on this lease including the one option period. Rental expenses under operating leases were $ 5 28 and $ 542 for the years ended December 31, 201 5 and 201 4 , respectively. The current minimum annual rental commitments under the non-cancelable leases in effect at December 31, 201 5 are as follows: Year Ending Amount 201 6 $512 201 7 521 201 8 530 201 9 316 20 20 58 Thereafter - $1,937

Financial Instruments With Off-

Financial Instruments With Off-Balance-Sheet Risk	12 Months Ended
	Dec. 31, 2015
Financial Instruments With Off Balance Sheet Risk[Abstract]
Financial Instruments With Off Balance Sheet Risk	Note 19 - Financial instruments with off-balance-sheet risk The Bank is not a party to derivative financial instruments with off-balance-sheet risks such as futures, forwards, swaps and options. The Bank is a party to financial instruments with off-balance-sheet risk in the normal course of business to meet the financing needs of its customers. These instruments may involve, to varying degrees, elements of credit risk in excess of the amount recognized in the consolidated balance sheets. The contract amounts of these instruments reflect the extent of involvement the Bank has in particular classes of financial instruments. Credit risk is defined as the possibility of sustaining a loss because the other party to a financial instrument fails to perform in accordance with the terms of the contract. The Bank ’ s maximum exposure to credit loss in the event of nonperformance by the other party to the financial instrument for commitments to extend credit and standby letters of credit is represented by the contractual amount of the instruments. The Bank uses the same credit policies in making commitments and conditional obligations as it does for on-balance-sheet instruments. The Bank requires collateral or other security to support financial instruments when it is deemed necessary. The Bank evaluates each customer ’ s credit - worthiness on a case-by-case basis. The amount of collateral obtained, if deemed necessary by the Bank upon extension of credit, is based on management ’ s credit evaluation of the counterparty. Types of collateral vary but may include marketable securities, accounts receivable, inventory, and property, plant and equipment. At December 31, 2015, the Bank had rate lock commitments to originate mortgage loans through its Mortgage Division amounting to approximately $5,598 and loans held for sale of $1,964 . The Bank has entered into corresponding commitments with third party investors to sell each of these loans that close. No other obligation exists. As a result of these contractual relationships with these investors, the Bank is not exposed to losses nor will it realize gains related to its rate lock commitments due to changes in interest rates. Financial instruments whose contract amounts represent credit risk are as follows: Contract Amounts at December 31, 201 5 201 4 Com mitments to extend credit $90,809 $83,312 Standby letters of credit $3,097 $4,252 Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since many of the commitments are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. Standby letters of credit are conditional commitments issued by the Bank to guarantee the performance of a customer to a third party. Those guarantees are primarily issued to support private borrowing arrangements. The credit risk involved in issuing standby letters of credit is generally less than that involved in extending loans to Note 1 9 - Financial instruments with off-balance-sheet risk (continued) customers because the Bank generally holds deposits equal to the commitment. Management does not anticipate any material losses as a result of these transactions.

Concentration Of Credit Risk

Concentration Of Credit Risk	12 Months Ended
	Dec. 31, 2015
Concentration Of Credit Risk [Abstract]
Concentration Of Credit Risk	Note 20 – Concentration of credit risk The Bank has a diversified loan portfolio consisting of commercial, real estate and consumer (installment) loans. Substantially all of the Bank ’ s customers are residents or operate business ventures in its market area consisting primarily of the Lynchburg metropolitan area. Therefore, a substantial portion of its debtors ’ ability to honor their contracts and the Bank ’ s ability to realize the value of any underlying collateral, if needed, is influenced by the economic conditions in this market area. The Bank maintains a significant portion of its cash balances with one financial institution. Uninsured cash balances as of December 31, 2015 were approximately $ 3,058 which consisted of the total balances in two accounts at the Federal Home Loan Bank of Atlanta (FHLBA) and the balance (net of $250 FDIC coverage) held in one account at Community Bankers’ Bank , one account at Suntrust, and one account at Zions Bank. Uninsured cash balances as of December 31, 2014 were approximately $2,463 which consisted of the total balances in two accounts at FHLBA and the balance net of FDIC held in one account at Community Bankers’ Bank.

Fair Value Measurements

Fair Value Measurements	12 Months Ended
	Dec. 31, 2015
Fair Value Measurements [Abstract]
Fair Value Measurements	Note 21 – Fair value measurements Determination of Fair Value The Company uses fair value measurements to record fair value adjustments to certain assets and liabilities and to determine fair value disclosures. In accordance with the Fair Value Measurements and Disclosures topic of FASB ASC, the fair value of a financial instrument is the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. Fair value is best determined based upon quoted market prices. However, in many instances, there are no quoted market prices for the Company ’ s various financial instruments. In cases where quoted market prices are not available, fair values are based on estimates using present value or other valuation techniques. Those techniques are significantly affected by the assumptions used, including the discount rate and estimates of future cash flows. Accordingly, the fair value estimates may not be realized in an immediate settlement of the instrument. The fair value guidance provides a consistent definition of fair value, which focuses on exit price in an orderly transaction (that is, not a forced liquidation or distressed sale) between market participants at the measurement date under current market conditions. If there has been a significant decrease in the volume and level of activity for the asset or liability, a change in valuation technique or the use of multiple valuation techniques may be appropriate. In such instances, determining the price at which willing market participants would transact at the measurement date under current market conditions depends on the facts and circumstances and requires the use of significant judgment. The fair value is a reasonable point within the range that is most representative of fair value under current market conditions. Note 21 – Fair value measurements (continued) Fair Value Hierarchy In accordance with this guidance, the Company groups its financial assets and financial liabilities generally measured at fair value in three levels, based on the markets in which the assets and liabilities are traded and the reliability of the assumptions used to determine fair value. " Level 1 inputs to the valuation methodology are quoted prices (unadjusted) for identical assets or liabilities in active markets. " Level 2 inputs to the valuation methodology include quoted prices for similar assets and liabilities in active markets, and inputs that are observable for the asset or liability, either directly or indirectly, for substantially the full term of the financial instrument. " Level 3 inputs to the valuation methodology are unobservable and significant to the fair value measurement. Following is a description of the valuation methodologies used for instruments measured at fair value, as well as the general classification of such instruments pursuant to the valuation hierarchy: Securities Where quoted prices are available in an active market, securities are classified within Level 1 of the valuation hierarchy. Level 1 securities would include highly liquid government bonds, mortgage products and exchange traded equities. If quoted market prices are not available, then fair values are estimated by using pricing models, quoted prices of securities with similar characteristics, or discounted cash flow. Level 2 securities would include U.S. agency securities, mortgage-backed agency securities, obligations of states and political subdivisions and certain corporate, asset backed and other securities. In certain cases where there is limited activity or less transparency around inputs to the valuation, securities are classified within Level 3 of the valuation hierarchy. Currently, all of the Company ’ s securities are considered to be Level 2 securities. The following table summarizes the Company ’ s financial assets that were measured at fair value on a recurring basis during the period. Note 21 – Fair value measurements (continued) Carrying Value at December 31, 201 5 Des c ription Balance as of December 31, 201 5 Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) U.S. agency obligations $18,810 $ - $18,810 $ - Mortgage-backed securities 10,647 - 10,647 - Municipals 5,034 - 5,034 - Corporates 1,505 - 1,505 - Total available-for-sale securities $35,996 $ - $35,996 $ - Ca rrying Value at December 31, 201 4 De s cription Balance as of December 31, 201 4 Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) U.S. agency obligations $13,498 $ - $13,498 $ - Mortgage-backed securities 1,982 - 1,982 - Municipals 7,899 - 7,899 - Corporates 1,016 - 1,016 - Total available-for-sale securities $24,395 $ - $24,395 $ - Note 21 – Fair value measurements (continued) Loans held for sale Loans held for sale are measured at lower of cost or fair value. Under ASC 820, market value is to represent fair value. Management obtains quotes or bids on all or part of these loans directly from the purchasing financial institutions. Premiums received or to be received on the quotes or bids are indicative of the fact that cost is lower than fair value. Because quotes and bids on loans held for sale are available in active markets, loans held for sale are considered to be Level 2. Impaired loans ASC 820 applies to loans measured for impairment at an observable market price (if available), or at the fair value of the loan ’ s collateral (if the loan is collateral dependent). Fair value of the loan ’ s collateral, when the loan is dependent on collateral, is determined by appraisals or independent valuation which is then adjusted for the cost related to liquidation of the collateral. Loans are designated as impaired when, in the judgment of management based on current information and events, it is probable that all amounts due according to the contractual terms of the loan agreement will not be collected when due . The measurement of loss associated with impaired loans can be based on either the observable market price of the loan or the fair value of the collateral. Fair value is measured based on the value of the collateral securing the loans. Collateral may be in the form of real estate or business assets including equipment, inventory, and accounts receivable. The vast majority of the collateral is real estate. The value of real estate collateral is determined utilizing an income or market valuation approach based on an appraisal conducted by an independent, licensed appraiser outside of the Bank using observable market data The value of business equipment is based upon an outside appraisal if deemed significant, or the net book value on the applicable business ’ s financial statements if not considered significant using observable market data. Likewise, values for inventory and accounts receivables collateral are based on financial statement bal ances or aging reports . Any fair value adjustments are recorded in the period incurred as provision for loan losses on the Consolidated Statements of Income. The carrying values of all impaired loans are considered to be Level 3. Other Real Estate Owned Certain assets such as other real estate owned (OREO) are measured at fair value less cost to sell. We believe that the fair value component in its valuation follows the provisions of ASC 820. Real estate acquired through foreclosure is transferred to other real estate owned ( “ OREO ” ). The measurement of loss associated with OREO is based on the fair value of the collateral less anticipated selling costs compared to the unpaid loan balance. The value of OREO collateral is determined utilizing an income or market valuation approach based on an appraisal conducted by an independent, licensed appraiser outside of the Bank using observable market data . Note 21 – Fair value measurements (continued) Any fair value adjustments are recorded in the period incurred and expensed against current earnings. The carrying values of all OREO are considered to be Level 3. The following table summarizes the Company ’ s impaired loans and OREO measured at fair value on a nonrecurring basis during the period. Carrying Value at December 31, 201 5 Des cription Balance as of December 31, 201 5 Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Impaired loans* $2,896 $ - $ - $2,896 Loans held for sale $1,964 $ - $1,964 $ - Other real estate $1,965 $ - $ - $1,965 * Includes loans charged down to the net realizable value of the collateral. Carrying Value at December 31, 201 4 Des cription Balance as of December 31, 201 4 Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Impaired loans* $3,386 $ - $ - $3,386 Loans held for sale $1,030 $ - $1,030 $ - Other real estate $956 $ - $ - $956 *Includes loans charged down to the net realizable value of the collateral. The following table sets forth information regarding the quantitative inputs used to value assets classified as Level 3: Note 21 – Fair value measurements (continued) Quantitative information about Level 3 Fair Value Measurements for December 31, 2015 (dollars in thousands) Fair Value Valuation Te chnique(s) Unobservable Input Range (Weighted Average) Impaired loans $2,896 Discounted appraised value Selling cost 5 % - 10 % ( 6 %) Discount for lack of marketability and age of appraisal 0 % - 45 % ( 15 %) OREO $1,965 Discounted appraised value Selling cost 5 % - 10 % ( 6 %) Discount for lack of marketability and age of appraisal 0 % - 25 % ( 15 %) Quantitative information about Level 3 Fair Value Measurements for Dece mber 31, 2014 (dollars in thousands) Fair Value Valuation Te chnique(s) Unobservable Input Range (Weighted Average) Imp aired loans $3,386 Discounted appraised value Selling cost 5% - 10% ( 6% ) Discount for lack of marketability and age of appraisal 0% - 45% ( 15% ) OREO $956 Discounted appraised value Selling cost 5% - 10% ( 6% ) Discount for lack of marketability and age of appraisal 0% - 25% ( 15% ) Financial Instruments Cash, cash equivalents and federal funds sold The carrying amounts of cash and short-term instruments approximate fair values. Securities Fair values of securities, excluding restricted investments in Federal Reserve Bank stock, Federal Home Loan Bank stock, and Community Bankers’ Bank stock are based on quoted prices available in an active market. If quoted prices are available, these securities are classified within Level 1 of the valuation hierarchy. Level 1 Note 21 – Fair value measurements (continued) securities would include highly liquid government bonds, mortgage products and exchange traded equities. If quoted market prices are not available, then fair values are estimated by using pricing models, quoted prices of securities with similar characteristics, or discounted cash flow. Level 2 securities would include U.S. agency securities, mortgage-backed agency securities, obligations of states and political subdivisions and certain corporate, asset backed and other securities. In certain cases where there is limited activity or less transparency around inputs to the valuation, securities are classified within Level 3 of the valuation hierarchy. Currently, all of the Company ’ s securities are considered to be Level 2 securities. The following table summarizes the Company ’ s financial assets that were measured at fair value on a recurring basis during the period. Restricted securities noted above are classified as such because their ownership is restricted to certain types of entities and there is no established market for their resale. When the stock is repurchased, the shares are repurchased at the stock’s book value; therefore, the carrying amount of restricted securities approximate fair value. Restricted securities are considered to be Level 2. Loans For variable-rate loans that reprice frequently and with no significant change in credit risk, fair values are based on carrying values. Fair values for certain fixed rate loans are based on quoted market prices of similar loans adjusted for differences in loan characteristics. Fair values for other loans such as commercial real estate and commercial and industrial loans are estimated using discounted cash flow analyses, using interest rates currently being offered for loans with similar terms to borrowers of similar credit quality. Fair values of impaired loans are estimated as described above. The carrying values of all loans are considered to be Level 3. Loans held for sale are measured at the lower of cost or fair value . Fair values of loans held for sale are estimated as described above. The carrying values of all loans held for sale are considered to be Level 2. Bank owned life insurance (BOLI) The carrying amount approximates fair value. The carrying values of all BOLI is considered to be Level 2. Deposits Fair values disclosed for demand deposits (e.g., interest and noninterest checking, savings, and money market accounts) are, by definition, equal to the amount payable on demand at the reporting date (i.e., their carrying amounts). Fair values for fixed rate certificates of deposit are estimated using discounted cash flow analyses that applies interest rates currently being offered on certificates to a schedule of aggregated expected monthly maturities on time deposits. The carrying values of all deposits are considered to be Level 2. FHLB borrowings The fair value of FHLB borrowings is estimated using discounted cash flow analysis based on the rates currently offered for borrowings of similar remaining maturities and collateral requirements. The carrying values of all FHLB borrowings are considered to be Level 2. Note 21 – Fair value measurements (continued) Short-term borrowings The carrying amounts of federal funds purchased, borrowings under repurchase agreements, and other short-term borrowings maturing within ninety days approximate fair value. The carrying values of all short term borrowings are considered to be Level 2. Capital notes Fair values of capital notes are based on market prices for debt securities having similar maturity and interest rate characteristics. The carrying values of all capital notes are considered to be Level 2. Accrued interest The carrying amounts of accrued interest approximate fair value. The carrying values of all accrued interest is considered to be Level 2. Off-balance sheet credit-related instruments Fair values for off-balance sheet, credit-related financial instruments are based on fees currently charged to enter into similar agreements, taking into account the remaining terms of the agreements and the counterparties’ credit standing. Fair value of off-balance sheet credit-related instruments were deemed to be immaterial at December 31, 2015 and 2014 and therefore are not included in the table below. Note 21 – Fair value measurements (continued) The estimated fair values, and related carrying or notional amounts, of Financial ’ s financial instruments are as follows: Fair Value Measurements at December 31, 2015 using Quoted Prices Significant in Active Other Significant Markets for Observable Unobservable Carrying Identical Assets Inputs Inputs Asse ts Amounts (Level 1) (Level 2) (Level 3) Balance Cash and due from banks $15,952 $15,952 $ - $ - $15,952 Fed funds sold 12,703 12,703 12,703 Securities Available-for-sale 35,996 - 35,996 - 35,996 Held-to-maturity 2,519 - 2,649 - 2,649 Restricted stock 1,313 - 1,313 - 1,313 Loans, net 430,445 - - 438,322 438,322 Loans held for sale 1,964 - 1,964 - 1,964 Interest receivable 1,248 - 1,248 - 1,248 BOLI 9,781 - 9,781 - 9,781 Liabilities Deposits $467,610 $ - $468,773 $ - $468,773 Capital notes 10,000 - 10,024 - 10,024 Interest payable 61 - 61 - 61 Fair Value Measurements at December 31, 201 4 using Carrying Ass e ts Amounts (Level 1) (Level 2) (Level 3) Balance Cash and due from banks $12,743 $12,743 $ - $ - $12,743 Securities Available-for-sale 24,395 - 24,395 - 24,395 Held-to-maturity 2,528 - 2,699 - 2,699 Restricted stock 1,739 - 1,739 - 1,739 Loans, net 394,573 - - 401,281 401,281 Loans held for sale 1,030 - 1,030 - 1,030 Interest receivable 1,246 - 1,246 - 1,246 BOLI 9,512 - 9,512 - 9,512 Liabilities Deposits $399,497 $ - $400,351 $ - $400,351 FHLB borrowings 12,000 10,000 2,005 - 12,005 Fed funds purchased 3,189 3,189 - - 3,189 Capital notes 10,000 - 10,023 - 10,023 Interest payable 58 - 58 - 58 Note 21 – Fair value measurements (continued) Fair value estimates are made at a specific point in time, based on relevant market information and information about the financial instrument. These estimates do not reflect any premium or discount that could result from offering for sale at one time the Bank ’ s entire holdings of a particular financial instrument. Because no market exists for a significant portion of the Bank ’ s financial instruments, fair value estimates are based on judgments regarding future expected loss experience, current economic conditions, risk characteristics of various financial instruments and other factors. These estimates are subjective in nature and involve uncertainties and matters of significant judgment, and therefore, cannot be determined with precision. Changes in assumptions could significantly affect the estimates. Fair value estimates are based on existing on-balance-sheet and off-balance-sheet financial instruments without attempting to estimate the value of anticipated future business and the value of assets and liabilities that are not considered financial instruments. Significant assets that are not considered financial assets include deferred income taxes and bank premises and equipment; a significant liability that is not considered a financial liability is accrued post-retirement benefits. In addition, the tax ramifications related to the realization of the unrealized gains and losses can have a significant effect on fair value estimates and have not been considered in the estimates. Financial assumes interest rate risk (the risk that general interest rate levels will change) as a result of its normal operations. As a result, the fair values of Financial ’ s financial instruments will change when interest rate levels change, and that change may be either favorable or unfavorable to the Company . Management attempts to match maturities of assets and liabilities to the extent believed necessary to minimize interest rate risk. However, borrowers with fixed rate obligations are less likely to prepay in a rising rate environment and more likely to prepay in a falling rate environment. Conversely, depositors who are receiving fixed rates are more likely to withdraw funds before maturity in a rising rate environment and less likely to do so in a falling rate environment. Management monitors rates and maturities of assets and liabilities and attempts to minimize interest rate risk by adjusting terms of new loans and deposits and by investing in securities with terms that mitigate the Company’ s overall interest rate risk.

Impact Of Recently Issued Accou

Impact Of Recently Issued Accounting Standards	12 Months Ended
	Dec. 31, 2015
Impact of Recently Issued Accounting Standards [Abstract]
Impact Of Recently Issued Accounting Standards	Note 22 - Impact of recently issued accounting standards In August 2014, the FASB issued ASU No. 2014-15, “Presentation of Financial Statements – Going Concern (Subtopic 205-40): Disclosure of Uncertainties about an Entity’s Ability to Continue as a Going Concern.” This update is intended to provide guidance about management’s responsibility to evaluate whether there is substantial doubt about an entity’s ability to continue as a going concern and to provide related footnote disclosures. Management is required under the new guidance to evaluate whether there are conditions or events, considered in the aggregate, that raise substantial doubt about the entity’s ability to continue as a going concern within one year after the date the financial statements are issued when preparing financial statements for each interim and annual reporting period. If conditions or events are identified, the ASU specifies the process that must be followed by management and also clarifies the timing and content of going concern footnote disclosures in order to reduce diversity in practice. The amendments in this ASU are effective for annual periods and interim periods within those annual periods beginning after December 15, 2016. Early adoption is permitted. The Company does not expect the adoption of ASU 2014-15 to have a material impact on its consolidated financial statements. Note 2 2 - Impact of recently issued accounting standards (continued) In January 2015, the FASB issued ASU No. 2015-01, “Income Statement—Extraordinary and Unusual Items (Subtopic 225-20): Simplifying Income Statement Presentation by Eliminating the Concept of Extraordinary Items.” The amendments in this ASU eliminate from U.S. GAAP the concept of extraordinary items. Subtopic 225-20, Income Statement - Extraordinary and Unusual Items, required that an entity separately classify, present, and disclose extraordinary events and transactions. Presently, an event or transaction is presumed to be an ordinary and usual activity of the reporting entity unless evidence clearly supports its classification as an extraordinary item. If an event or transaction meets the criteria for extraordinary classification, an entity is required to segregate the extraordinary item from the results of ordinary operations and show the item separately in the income statement, net of tax, after income from continuing operations. The entity also is required to disclose applicable income taxes and either present or disclose earnings-per-share data applicable to the extraordinary item. The amendments in this ASU are effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2015. A reporting entity may apply the amendments prospectively. A reporting entity also may apply the amendments retrospectively to all prior periods presented in the financial statements. Early adoption is permitted provided that the guidance is applied from the beginning of the fiscal year of adoption. The Company does not expect the adoption of ASU 2015-01 to have a material impact on its consolidated financial statements. In February 2015, the FASB issued ASU No. 2015-02, “Consolidation (Topic 810): Amendments to the Consolidation Analysis.” The amendments in this ASU are intended to improve targeted areas of consolidation guidance for legal entities such as limited partnerships, limited liability corporations, and securitization structures (collateralized debt obligations, collateralized loan obligations, and mortgage-backed security transactions). In addition to reducing the number of consolidation models from four to two, the new standard simplifies the FASB Accounting Standards Codification™ and improves current GAAP by placing more emphasis on risk of loss when determining a controlling financial interest, reducing the frequency of the application of related-party guidance when determining a controlling financial interest in a variable interest entity (VIE), and changing consolidation conclusions for public and private companies in several industries that typically make use of limited partnerships or VIEs. The amendments in this ASU are effective for public business entities for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2015. Early adoption is permitted, including adoption in an interim period. ASU 2015-02 may be applied retrospectively in previously issued financial statements for one or more years with a cumulative-effect adjustment to retained earnings as of the beginning of the first year restated. The Company does not expect the adoption of ASU 2015-02 to have a material impact on its consolidated financial statements. In April 2015, the FASB issued ASU No. 2015-03, “Interest – Imputation of Interest (Subtopic 835-30): Simplifying the Presentation of Debt Issuance Costs.” The amendments in this ASU are intended to simplify the presentation of debt issuance costs. These amendments require that debt issuance costs related to a recognized debt liability be presented in the balance sheet as a direct deduction from the carrying amount of that debt liability, consistent with debt discounts. The recognition and measurement guidance for debt issuance costs are not affected by the amendments in this ASU. The amendments in this ASU are effective for public business entities for financial statements issued for fiscal years beginning after December 15, 2015, and interim periods within those fiscal years. Early adoption is permitted for financial statements that have not been previously issued. The Company does not expect the adoption of ASU 2015-03 to have a material impact on its consolidated financial statements. Note 2 2 - Impact of recently issued accounting standards (continued) In April 2015, the FASB issued ASU No. 2015-05, “Intangibles - Goodwill and Other - Internal-Use Software (Subtopic 350-40): Customer’s Accounting for Fees Paid in a Cloud Computing Arrangement.” The amendments in this ASU provide guidance to customers about whether a cloud computing arrangement includes a software license. If a cloud computing arrangement includes a software license, then the customer should account for the software license element of the arrangement consistent with the acquisition of other software licenses. If a cloud computing arrangement does not include a software license, the customer should account for the arrangement as a service contract. The amendments do not change the accounting for a customer’s accounting for service contracts. As a result of the amendments, all software licenses within the scope of Subtopic 350-40 will be accounted for consistent with other licenses of intangible assets. The amendments in this ASU are effective for public business entities for annual periods, including interim periods within those annual periods, beginning after December 15, 2015. Early adoption is permitted. An entity can elect to adopt the amendments either: (1) prospectively to all arrangements entered into or materially modified after the effective date; or (2) retrospectively. The Company does not expect the adoption of ASU 2015-05 to have a material impact on its consolidated financial statements. In May 2015, the FASB issued ASU No. 2015-08, “Business Combinations (Topic 805): Pushdown Accounting – Amendments to SEC Paragraphs Pursuant to Staff Accounting Bulletin No. 115.” The amendments in ASU 2015-08 amend various SEC paragraphs pursuant to the issuance of Staff Accounting Bulletin No. 115, Topic 5: Miscellaneous Accounting, regarding various pushdown accounting issues, and did not have a material impact on our consolidated financial statements. In July 2015, the FASB issued ASU No. 2015-12, “Plan Accounting: Defined Benefit Pension Plans (Topic 960), Defined Contribution Pension Plans (Topic 962), and Health and Welfare Benefit Plans (Topic 965) – 1. Fully Benefit-Responsive Investment Contracts, 2. Plan Investment Disclosures, and 3. Measurement Date Practical Expedient.” The amendments within this ASU are in 3 parts. Among other things, Part 1 amendments designate contract value as the only required measure for fully benefit-responsive investment contracts; Part II amendments eliminate the requirement that plans disclose: (a) individual investments that represent 5 percent or more of net assets available for benefits; and (b) the net appreciation or depreciation for investments by general type requirements for both participant-directed investments and nonparticipant-directed investments. Part III amendments provide a practical expedient to permit plans to measure investments and investment-related accounts (e.g., a liability for a pending trade with a broker) as of a month-end date that is closest to the plan’s fiscal year-end, when the fiscal period does not coincide with month-end. The amendments in Parts 1 and 2 of this ASU are effective on a retrospective basis and Part 3 is effective on a prospective basis, for fiscal years beginning after December 15, 2015. Early adoption is permitted. The Company does not expect the adoption of ASU 2015-12 to have a material impact on its consolidated financial statements. In August 2015, the FASB issued ASU No. 2015-14, “Revenue from Contracts with Customers (Topic 606): Deferral of Effective Date.” The amendments in ASU 2015-14 defer the effective date of ASU 2014-09 for all entities by one year. Public business entities, certain not-for-profit entities, and certain employee benefit plans should apply the guidance in ASU 2014-09 to annual reporting periods beginning after December 15, 2017, including interim reporting periods within that reporting period. Earlier application is permitted only as of annual reporting periods beginning after December 15, 2016, including interim reporting periods within that reporting period. All other entities should apply the guidance in ASU 2014-09 to annual reporting periods beginning after December 15, 2018, and interim reporting periods within annual reporting periods beginning after December 15, 2019. All other entities may apply the guidance in ASU 2014-09 earlier as of an annual reporting period beginning after December 15, 2016, including interim reporting periods within that reporting period. All other entities also may apply the guidance in ASU 2014-09 earlier as of an annual reporting period beginning after Note 2 2 - Impact of recently issued accounting standards (continued) December 15, 2016, and interim reporting periods within annual reporting periods beginning one year after the annual reporting period in which the entity first applies the guidance in ASU 2014-09. The Company does not expect the adoption of ASU 2015-14 (or ASU 2014-09) to have a material impact on its consolidated financial statements. In August 2015, the FASB issued ASU 2015-15, “Interest – Imputation of Interest (Subtopic 835-30) – Presentation and Subsequent Measurement of Debt Issuance Costs Associated with Line-of-Credit Arrangements (Amendments to SEC Paragraphs Pursuant to Staff Announcement at June 18, 2015 EITF Meeting).” On April 7, 2015, the FASB issued ASU 2015-03, Interest—Imputation of Interest (Subtopic 835-30): Simplifying the Presentation of Debt Issuance Costs, which requires entities to present debt issuance costs related to a recognized debt liability as a direct deduction from the carrying amount of that debt liability. The guidance in ASU 2015-03 (see paragraph 835-30-45-1A) does not address presentation or subsequent measurement of debt issuance costs related to line-of-credit arrangements. Given the absence of authoritative guidance within ASU 2015-03 for debt issuance costs related to line-of-credit arrangements, the SEC staff stated that they would not object to an entity deferring and presenting debt issuance costs as an asset and subsequently amortizing the deferred debt issuance costs ratably over the term of the line-of-credit arrangement, regardless of whether there are any outstanding borrowings on the line-of-credit arrangement. ASU 2015-15 adds these SEC comments to the "S" section of the Codification. The adoption of ASU 2015-15 did not have a material impact on our consolidated financial statements. In September 2015, the FASB issued ASU 2015-16, “Business Combinations (Topic 805): Simplifying the Accounting for Measurement-Period Adjustments.” The amendments in ASU 2015-16 require that an acquirer recognize adjustments to estimated amounts that are identified during the measurement period in the reporting period in which the adjustment amounts are determined. The amendments require that the acquirer record, in the same period’s financial statements, the effect on earnings of changes in depreciation, amortization, or other income effects, if any, as a result of the change to the estimated amounts, calculated as if the accounting had been completed at the acquisition date. The amendments also require an entity to present separately on the face of the income statement or disclose in the notes the portion of the amount recorded in current-period earnings by line item that would have been recorded in previous reporting periods if the adjustment to the estimated amounts had been recognized as of the acquisition date. The amendments in this ASU are effective for public business entities for fiscal years beginning after December 15, 2015, including interim periods within those fiscal years. For all other entities, the amendments are effective for fiscal years beginning after December 15, 2016, and interim periods within fiscal years beginning after December 15, 2017. The amendments should be applied prospectively to adjustments to provisional amounts that occur after the effective date with earlier application permitted for financial statements that have not been issued. The Company does not expect the adoption of ASU 2015-16 to have a material impact on its consolidated financial statements. In January 2016, the FASB issued ASU 2016-01, “Financial Instruments – Overall (Subtopic 825-10): Recognition and Measurement of Financial Assets and Financial Liabilities.” The amendments in ASU 2016-01, among other things: 1) Requires equity investments (except those accounted for under the equity method of accounting, or those that result in consolidation of the investee) to be measured at fair value with changes in fair value recognized in net income. 2) Requires public business entities to use the exit price notion when measuring the fair value of financial instruments for disclosure purposes. 3) Requires separate presentation of financial assets and financial liabilities by measurement category and form of financial asset (i.e., securities or loans and receivables). 4) Eliminates the requirement for public business entities to disclose the method(s) and significant assumptions used to estimate the fair value that is required to be disclosed for financial instruments measured at Note 2 2 - Impact of recently issued accounting standards (continued) amortized cost. The amendments in this ASU are effective for public companies for fiscal years beginning after December 15, 2017, including interim periods within those fiscal years. The Company is currently assessing the impact that ASU 2016-01 will have on its consolidated financial statements. In February 2016, the FASB issued ASU No. 2016-02, “Leases (Topic 842).” Among other things, in the amendments in ASU 2016-02, lessees will be required to recognize the following for all leases (with the exception of short-term leases) at the commencement date: (1) A lease liability, which is a lessee‘s obligation to make lease payments arising from a lease, measured on a discounted basis; and (2) A right-of-use asset, which is an asset that represents the lessee’s right to use, or control the use of, a specified asset for the lease term. Under the new guidance, lessor accounting is largely unchanged. Certain targeted improvements were made to align, where necessary, lessor accounting with the lessee accounting model and Topic 606, Revenue from Contracts with Customers. The amendments in this ASU are effective for fiscal years beginning after December 15, 2018, including interim periods within those fiscal years. Early application is permitted upon issuance. Lessees (for capital and operating leases) and lessors (for sales-type, direct financing, and operating leases) must apply a modified retrospective transition approach for leases existing at, or entered into after, the beginning of the earliest comparative period presented in the financial statements. The modified retrospective approach would not require any transition accounting for leases that expired before the earliest comparative period presented. Lessees and lessors may not apply a full retrospective transition approach. The Company is currently assessing the impact that ASU 2016-02 will have on its consolidated financial statements .

Condensed Financial Statements

Condensed Financial Statements Of Parent Company	12 Months Ended
	Dec. 31, 2015
Condensed Financial Information Of Parent Company [Abstract]
Condensed Financial Statements Of Parent Company	Note 23 – Condensed financial statements of parent company Financial information pertaining only to Bank of the James Financial Group, Inc. is as follows: Balance Sheet December 31, 201 5 201 4 Ass ets Cash $10,895 $1,375 Taxes receivable 332 225 Investment in subsidiaries 47,189 43,157 Other assets 28 19 Total assets $58,444 $44,776 Liabilities and stockholders’ equity Capital notes $10,000 $10,000 Other liabilities 248 - Total liabilities 10,248 10,000 Common stock $2.14 par value $9,370 $7,215 Additional paid-in-capital 31,495 22,919 Retained earnings 7,920 5,031 Accumulated other comprehensive (loss) (589) (389) Total stockholders’ equity $48,196 $34,776 Total liabilities and stockholders’ equity $58,444 $44,776 Note 23 – Condensed financial statements of parent company (continued) Sta tements of Income Years Ended December 31, 201 5 201 4 In come $ - $ - Operating expenses Interest on capital notes 600 600 Legal and professional fees 126 103 Other expense 92 58 Total expenses 818 761 I ncome tax ( benefit ) (278) (259) (Loss) before equity in und istributed income of subsidiaries (540) (502) Equity in undistr ibuted income of subsidiaries 4,232 3,915 Net income $3,692 $3,413 Note 23 – Condensed financial statements of parent company (continued) St a tements of Cash Flows Years Ended December 31, 201 5 201 4 Cash flows from operating activities Net income $3,692 $3,413 Adjustments to reconcile net income to net cash used in operating activities (Increase) in income taxes receivable (107) (50) (Increase) decrease in other assets (9) 7 Increase (decrease) in other liabilities 248 (69) Equity in undistribute d net (income) of subsidiaries (4,232) (3,915) Net cash (used in) operating activities $(408) $(614) Cash flows from financing activities Proceeds from exercise of stock options 78 65 Dividends paid to common stockholders (803) (506) Proceeds from sale of 1,000,000 shares of common stock 10,653 - Net cash provided by (used in) by financing activities $9,928 $(441) Increase (d ecrease) in cash and cash equivalents $9,520 $(1,055) Cash and cash equivalents at beginning of period 1,375 2,430 Cash and cash equivalents at end of period $10,895 $1,375

Summary Of Significant Accoun33

Summary Of Significant Accounting Policies (Policies)	12 Months Ended
	Dec. 31, 2015
Summary Of Significant Accounting Policies [Abstract]
Consolidation	Consolidation The consolidated financial statements include the accounts of Bank of the James Financial Group, Inc. and its wholly owned subsidiaries. All material intercompany balances and transactions have been eliminated in consolidation.
Basis Of Presentation And Use Of Estimates	Basis of presentation and use of estimates The preparation of the consolidated financial statements in conformity with accounting principles generally accepted in the United States of America requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent liabilities at the date of the financial statements, as well as the amounts of income and expenses during the reporting period. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant change in the near term relate to the determination of the allowance for loan losses and valuation of other real estate owned.
Cash And Cash Equivalents	Cash and cash equivalents Cash and cash equivalents include cash and balances due from banks and federal funds sold, all of which mature within ninety days. Generally, federal funds are purchased and sold for one-day periods.
Securities	Securities Certain debt securities that management has the positive intent and ability to hold to maturity are classified as “held-to-maturity” and recorded at amortized cost. Trading securities are recorded at fair value with changes in fair value included in earnings. Securities not classified as held-to-maturity or trading, including equity securities with readily determinable fair values, are classified as “available-for-sale” and recorded at fair value, with unrealized gains and losses excluded from earnings and reported in other comprehensive income (loss). Purchase premiums and discounts are recognized in interest income using the interest method over the terms of the securities. Gains and losses on the sale of securities are recorded on the trade date and are determined using the specific identification method. Impairment of securities occurs when the fair value of a security is less than its amortized cost. For debt securities, impairment is considered other-than-temporary and recognized in its entirety in net income if either (1) the Bank intends to sell the security or (2) it is more likely than not that the Bank will be required to sell the security before recovery of its amortized cost basis. If, however, the Bank does not intend to sell the security and it is not more likely than not that the Bank will be required to sell the security before recovery, the Bank must determine what portion of the impairment is attributable to a credit loss, which occurs when the amortized cost of the security exceeds the present value of the cash flows expected to be collected from the security. If there is no credit loss, there is no other-than temporary impairment. If there is a credit loss, other-than-temporary impairment exists, and the credit loss must be recognized in net income and the remaining portion of impairment must be recognized in other comprehensive income. For equity securities, impairment is considered to be other-than-temporary based on our ability and intent to hold the investment until a recovery of fair value. Other-than-temporary impairment of an equity security results in a write-down that must be included in net income. We regularly review each investment security for other-than-temporary impairment based on criteria that include the extent to which cost exceeds market price, the duration of that market decline, the financial health of and specific prospects for the issuer, our best estimate of the present value of cash flows expected to be collected from debt securities, our intention with regard to holding the security to maturity, and the likelihood that we would be required to sell the security before recovery.
Restricted Investments	Restricted investments As members of the Federal Reserve Bank (FRB) and the Federal Home Loan Bank of Atlanta (FHLBA), the Bank is required to maintain certain minimum investments in the common stock of the FRB and FHLBA. Required levels of investment are based upon the Bank’s capital and a percentage of qualifying assets. The Bank also maintains stock ownership in Community Bankers’ Bank (CBB). The investment in CBB is minimal and is not mandated but qualifies the Bank for preferred pricing on services offered by CBB. Based on liquidation restrictions, all of these investments are carried at cost.
Loans	Loans Financial makes real estate, commercial and consumer loans to customers. A substantial portion of the loan portfolio is represented by real estate loans collateralized by real estate within Region 2000. The ability of Financial’s debtors to honor their contracts is dependent upon the real estate and general economic conditions in the area. Loans that management has the intent and ability to hold for the foreseeable future or until maturity or pay-off generally are reported at their outstanding unpaid principal balances adjusted for charge-offs, the allowance for loan losses, and any deferred fees or costs on originated loans. Interest income is accrued on the unpaid principal Note 2 - Summary of significant accounting policies (continued) balance. Loan origination fees, net of certain direct origination costs, are deferred and recognized as an adjustment of the related loan yield using the interest method.
Past Due Status	Past due status Past due status is based on the contractual terms of the loan. In all cases, loans are placed on non-accrual and potentially charged-off at an earlier date if collection of principal or interest is considered doubtful.
Non-Accrual Status	Non-accrual status Financial stops accruing interest on a loan at the time the loan is 90 days past due unless the credit is well-secured and in process of collection. At the time the loan is placed on non-accrual status, all previously accrued but not collected interest is reversed against interest income. While the loan is classified as non-accrual, any payments collected are accounted for using the cost-recovery method which requires the entire amount of the payment to be applied directly to principal, until qualifying for return to performing status. Loans may be, but are not always, returned to performing status when all the principal and interest amounts contractually due are brought current (within 90 days past due), future payments are reasonably assured, and contractually required payments have been made on a timely basis for at least six consecutive months.
Charge-Off	Charge-off At the time a loan is placed on non-accrual status, it is generally reevaluated for expected loss and a specific reserve, if not already assigned, is established against the loan. Consumer term loans are typically charged-off no later than 120 days whereas consumer revolving credit loans are typically charged-off no later than 180 days. Although the goal for commercial and commercial real estate loans is for charge off no later than 180 days, a commercial or commercial real estate loan may not be fully charged off until there is reasonable certainty that no additional workout efforts, troubled debt restructurings or any other types of concession can or will be made by Financial.
Loans Held for Sale	Loans Held for Sale Loans originated and intended for sale in the secondary market are sold, servicing released, and carried at the lower of cost or fair value, which is determined in the aggregate based on sales commitments to permanent investors or on current market rates for loans of similar quality and type. In addition, the Company requires a firm purchase commitment from a permanent investor before a loan can be closed, thus limiting interest rate risk. The amount of interest rate lock commitments is currently an immaterial amount.
Allowance For Loan Losses	Allowance for loan losses The allowance for loan losses is established as losses that are estimated to have occurred through a provision for loan losses charged to earnings. Loan losses are charged against the allowance when management believes the uncollectibility of a loan balance is confirmed. Subsequent recoveries, if any, are credited to the allowance. The allowance for loan losses is evaluated on a regular basis by management and is based upon management’s periodic review of the collectibility of the loans in light of historical experience, the nature and volume of the loan portfolio, adverse situations that may affect the borrower’s ability to repay, estimated value of any underlying collateral and prevailing economic conditions. This evaluation is inherently subjective as it requires estimates that are susceptible to significant revision as more information becomes available. Note 2 - Summary of significant accounting policies (continued) The allowance consists of specific, historical and general components. The specific component relates to loans that are classified as doubtful or substandard. For such loans that are also classified as impaired, an allowance is established when the collateral value of the impaired loan or discounted cash flows is lower than the carrying value of that loan. The historical component covers non-classified loans and is based on historical loss experience adjusted for qualitative factors. A general component is maintained to cover uncertainties that could affect management’s estimate of probable losses. The general component of the allowance reflects the margin of imprecision inherent in the underlying assumptions used in the methodologies for estimating specific and general losses in the portfolio. The qualitative factors used to derive the general component of the allowance may include but are not limited to: 1. Known improvement or deterioration in certain classes of loans or collateral; 2. Trends in portfolio volume, maturity, or composition; 3. Volume and trends in delinquencies and non-accruals; 4. Local economic and industrial conditions; 5. Lending, charge-off, and collection policies; and 6. Experience, ability, and depth of lending staff. A loan is considered impaired when, based on current information and events, it is probable that Financial will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Factors considered by management in determining impairment include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record, and the amount of the shortfall in relation to the principal and interest owed. Impairment is measured on a loan by loan basis by evaluating the discounted cash flows or fair value of the underlying collateral, if the loan is collateral dependent. Management considers the following four components when calculating its loan loss reserve requirement: o In accordance with current accounting rules (ASC 310) and the Bank’s impairment methodology, the Bank performs an individual impairment analysis on all loans having a principal balance greater than $100,000 (unless related to another classified relationship or a TDR) with a risk rating of substandard, doubtful, and loss (our internal risk ratings of 7 through 9). The Bank also performs individual loan analysis and assesses potential future losses associated with those relationships risk rated as special mention (our internal risk rating of 6). o In accordance with current accounting rules (ASC 450), the Bank examines historical charge-off data by segment in order to determine a portion of the reserve related to homogeneous pools. The Bank updates its historical charge-off data quarterly and adjusts the reserve accordingly. o The Bank applies various risk factors, including, for example, levels of trends in delinquencies, current and expected economic conditions, and levels of and trends in recoveries of prior charge-offs. Note 2 - Summary of significant accounting policies (continued) The Bank applies factors to determine the method by which to determine the general reserve for inherent losses related to the loan pool, including, for example, loan concentrations, policy and procedure changes, national and local economic trends and conditions, and overall portfolio quality.
Troubled Debt Restructurings	Troubled debt restructurings In situations where, for economic or legal reasons related to a borrower’s financial condition, management may grant a concession to the borrower that it would not otherwise consider, the related loan is classified as a troubled debt restructuring (“TDR”). Management strives to identify borrowers in financial difficulty early and work with them to modify their loan to more affordable terms before their loans reach nonaccrual status. These modified terms may include rate reductions, principal forgiveness, payment forbearance and other actions intended to minimize the economic loss and to avoid foreclosure or repossession of collateral. In cases where borrowers are granted new terms that generally (although not required to be considered a TDR) provide for a reduction of either interest or principal, management measures any impairment on the restructuring as noted above for impaired loans. The Bank had $ 646 and $376 classified as TDRs as of December 31, 2015 and 2014, respectively.
Premises, Equipment And Depreciation	Premises, equipment and depreciation Premises and equipment, including leasehold improvements, are stated at cost less accumulated depreciation. Depreciation is provided over the estimated useful lives of the respective assets on the straight-line basis, which range from 3 to 7 years for equipment and 10 to 39.5 years for buildings and improvements. Leasehold improvements are amortized over a term which includes the remaining lease term and probable renewal periods. Land is carried at cost and is not depreciable. Expenditures for major renewals and betterments are capitalized and those for maintenance and repairs are charged to operating expenses as incurred.
Bank Owned Life Insurance	Bank owned life insurance Financial has purchased life insurance policies on certain key employees. Bank owned life insurance is recorded at the amount that can be realized under the insurance contract at the balance sheet date, which is the cash surrender value.
Other Real Estate Owned	Other real estate owned Other real estate owned consists of properties acquired through foreclosure or deed in lieu of foreclosure. These properties are carried at fair value less estimated costs to sell at the date of foreclosure. Losses from the acquisition of property in full or partial satisfaction of loans are charged against the allowance for loan losses. Subsequent write-downs, if any, are charged against expense. Gains and losses on the sales of foreclosed properties are included in determining net income in the year of the sale. Operating costs after acquisition are expensed.
Transfers Of Financial Assets	Transfers of financial assets Transfers of financial assets are accounted for as sales, when control over the assets has been surrendered. Control over transferred assets is deemed to be surrendered when (1) the assets have been isolated from the Bank – put presumptively beyond reach of the transferor and its creditors, even in bankruptcy or other receivership, (2) the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge Note 2 - Summary of significant accounting policies (continued) or exchange the transferred assets, and (3) the Bank does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity or the ability to unilaterally cause the holder to return specific assets.
Fair Value of Financial Instruments	Fair Value of Financial Instruments Fair values of financial instruments are estimated using relevant market information and other assumptions, as more fully disclosed in a separate note. Fair value estimates involve uncertainties and matters of significant judgment regarding interest rates, credit risk, prepayments, and other factors, especially in the absences of broad markets for particular items. Changes in assumptions or in market conditions could significantly affect these estimates.
Operating Segments	Operating Segments While the chief decision-makers monitor the revenue streams of the various products and services, operations are managed and financial performance evaluated on a Company-wide basis. Operating segments are aggregated into one as operating results for all segments are similar. Accordingly, all of the financial service operations are considered by management to be aggregated in one reportable operating segment.
Retirement Plans	Retirement Plans Employee 401(k) and profit sharing expense is the amount of matching contributions. Deferred compensation and supplemental retirement plan expense allocates the benefits over years of service.
Income Taxes	Income taxes Deferred income tax assets and liabilities are determined using the liability (or balance sheet) method. Under this method, the net deferred tax asset or liability is determined based on the tax effects of the temporary differences between the book and tax bases of the various balance sheet assets and liabilities and gives current recognition to changes in tax rates and laws. When tax returns are filed, it is highly certain that some positions taken would be sustained upon examination by the taxing authorities, while others are subject to uncertainty about the merits of the position taken or the amount of the position that would be ultimately sustained. The benefit of a tax position is recognized in the financial statements in the period during which, based on all available evidence, management believes it is more likely than not that the position will be sustained upon examination, including the resolution of appeals or litigation processes, if any. Tax positions taken are not offset or aggregated with other positions. Tax positions that meet the more-likely-than-not recognition threshold are measured as the largest amount of tax benefit that is more than 50 percent likely of being realized upon settlement with the applicable taxing authority. The portion of the benefits associated with tax positions taken that exceeds the amount measured as described above is reflected as a liability for unrecognized tax benefits in the accompanying consolidated balance sheets along with any associated interest and penalties that would be payable to the taxing authorities upon examination. Interest and penalties associated with unrecognized tax benefits are classified as additional income taxes in the consolidated statements of income. At December 31, 2015 and 2014, there were no liabilities recorded for unrecognized tax benefits.
Stock Options	Stock options Current accounting guidance requires the costs resulting from all share-based payments to employees be recognized in the financial statements. Stock-based compensation is estimated at the date of grant, using the Black-Scholes option valuation model for determining fair value, and recognized over the option’s vesting period . As of December 31, 2015, all compensation expense related to the Company’s option plan had been recognized. The Company’s ability to grant additional option shares under the 1999 Plan has expired. There were no options granted in 2015 or 2014.
Earnings Per Common Share	Earnings per common share Basic earnings per common share represents income available to common stockholders divided by the weighted-average number of common shares outstanding during the period. Diluted earnings per common share reflects additional common shares that would have been outstanding if dilutive potential common shares had been issued, as well as any adjustment to income that would result from the assumed issuance. Potential common shares that may be issued by the Company relate solely to outstanding stock options, and are determined using the treasury stock method.
Reclassification	Reclassification Management has made certain immaterial reclassifications to conform to the 2015 presentation.
Comprehensive Income	Comprehensive income Comprehensive income consists of net income and other comprehensive income (loss). Other comprehensive income (loss) includes unrealized gains (losses) on available-for-sale securities.
Marketing	Marketing The Company expenses advertising costs as incurred. Advertising expenses were $ 46 6 and $472 for 2015 and 2014, respectively.

Securities (Tables)

Securities (Tables)	12 Months Ended
	Dec. 31, 2015
Securities [Abstract]
Summary Of Securities Held-To-Maturity And Securities Available-For-Sale	December 31, 201 5 Amortized Gross Unrealized Fair Cost Gains Losses Value Held -to -maturity U.S. agency obligations $2,519 $130 $ - $2,649 Available-for-sale U.S. agency obligations $19,606 $3 $(799) $18,810 Mortgage-backed securities 10,778 4 (135) 10,647 Municipals 4,984 84 (34) 5,034 Corporates 1,521 - (16) 1,505 $36,889 $91 $(984) $35,996 December 31, 201 4 Amortized Gross Unrealized Fair Cost Gains Losses Value Held-to -maturity U.S. agency obligations $2,528 $171 $ - $2,699 Available-for-sale U.S. agency obligations $14,090 $ - $(592) $13,498 Mortgage-backed securities 2,042 - (60) 1,982 Municipals 7,832 114 (47) 7,899 Corporates 1,020 - (4) 1,016 $24,984 $114 $(703) $24,395
Gross Unrealized Losses And Fair Value Of The Bank's Investments	Dece mber 31, 201 5 Less than 12 months More than 12 months Total Fair Unrealized Fair Unrealized Fair Unrealized Value Losses Value Losses Value Losses U.S. agency obligations $7,160 $353 $10,650 $446 $17,810 $799 Mortgage-backed securities 6,726 77 1,979 58 8,705 135 Corporates 1,505 16 - - 1,505 16 Municipals 2,341 25 503 9 2,844 34 Total temporarily impaired securities $17,732 $471 $13,132 $513 $30,864 $984 Dece m ber 31, 201 4 Less than 12 months More than 12 months Total Fair Unrealized Fair Unrealized Fair Unrealized Value Losses Value Losses Value Losses U.S. agency obligations $999 $1 $11,502 $591 $12,501 $592 Mortgage-backed securities - - 1,982 60 1,982 60 Corporates - - 1,016 4 1,016 4 Municipals 771 9 3,192 38 3,963 47 Total temporarily impaired securities $1,770 $10 $17,692 $693 $19,462 $703
Contractual Maturities Of Investment Securities	Held-to-Maturity Available-for-Sale Amortized Fair Amortized Fair Cost Values Cost Values Due in one year or less $ - $ - $ - $ - Due after one year through five years 2,519 2,649 479 496 Due after five years through ten years - - 13,171 12,853 Due after ten years - - 23,239 22,647 $2,519 $2,649 $36,889 $35,996

Loans and Allowance for loan 35

Loans and Allowance for loan losses (Tables)	12 Months Ended
	Dec. 31, 2015
Loans and Allowance for loan losses [Abstract]
Summary Of Loans, Net	December 31, 201 5 201 4 Commercial $76,773 $63,259 Commercial real estate 217,125 207,262 Consumer 81,531 76,380 Residential 59,699 52,462 Total loans (1) 435,128 399,363 Less allowance for loan losses 4,683 4,790 Net loans $430,445 $394,573 (1) Includes net deferred loan costs of $263 and $330 , respectively.
Loans On Non-Accrual Status	Loans on Non-Accrual Status As of December 31, 201 5 201 4 Comm ercial $483 $1,965 Commercial Real Estate: Commercial Mortgages-Owner Occupied 799 212 Commercial Mortgages-Non-Owner Occupied 514 70 Commercial Construction 367 460 Consumer Consumer Unsecured 31 - Consumer Secured 269 20 Residential: Residential Mortgages 695 689 Residential Consumer Construction 248 90 Totals $3,406 $3,506
Impaired Loans	Impaired Loans As of and for the Year Ended December 31, 2015 Unpaid Average Interest Recorded Principal Related Recorded Income 2015 Investment Balance Allowance Investment Recognized With No Related Allowance Recorded: Commercial $ - $ - $ - $ 1,009 $ - Commercial Real Estate Commercial Mortgages-Owner Occupied 3,082 3,100 - 2,959 174 Commercial Mortgage Non-Owner Occupied 177 177 - 628 12 Commercial Construction 27 514 - 244 - Consumer Consumer Unsecured - - - - - Consumer Secured 20 20 - 21 1 Residential Residential Mortgages 1,997 2,027 - 1,466 86 Residential Consumer Construction 171 176 - 86 4 With an Allowance Recorded: Commercial $ 1,180 $ 1,256 $ 6100 $ 1,293 $ 38 Commercial Real Estate Commercial Mortgages-Owner Occupied 877 883 163 865 35 Commercial Mortgage Non-Owner Occupied 672 738 175 399 38 Commercial Construction 340 700 75 170 - Consumer Consumer Unsecured 31 32 31 16 1 Consumer Secured 190 193 153 155 10 Residential Residential Mortgages 650 800 87 740 42 Residential Consumer Construction - - - - - Totals: Commercial $ 1,180 $ 1,256 $ 610 $ 2,302 $ 38 Commercial Real Estate Commercial Mortgages-Owner Occupied 3,959 3,983 163 3,824 209 Commercial Mortgage Non-Owner Occupied 849 915 175 1,027 50 Commercial Construction 367 1,214 75 414 - Consumer Consumer Unsecured 31 32 31 16 1 Consumer Secured 210 213 153 176 11 Residential Residential Mortgages 2,647 2,827 87 2,206 128 Residential Consumer Construction 171 176 - 86 4 $ 9,414 $ 10,616 $ 1,294 $ 10,051 $ 441 Note 5 - Loans and allowance for loan losses (continued) Impaired Loans As of and for the Year Ended December 31, 201 4 2014 Recorded Investment Unpaid Principal Balance Related Allowance Average Recorded Investment Interest Income Recognized With No Related Allowance Recorded: Commercial $2,017 $2,280 $ - $2,641 $63 Commercial Real Estate Commercial Mortgages-Owner Occupied 2,835 2,835 - 1,687 152 Commercial Mortgage Non-Owner Occupied 1,078 1,128 - 1,041 75 Commercial Construction 460 1,194 - 606 - Consumer Consumer Unsecured - - - - - Consumer Secured 21 21 - 21 1 Residential Residential Mortgages 934 1,058 - 702 58 Residential Consumer Construction - - - - - With An Allowance Recorded: Commercial $1,406 $1,861 $713 $990 $29 Commercial Real Estate Commercial Mortgages-Owner Occupied 852 1,029 63 1,636 36 Commercial Mortgage Non-Owner Occupied 126 126 32 173 7 Commercial Construction - - - - - Consumer Consumer Unsecured - - - - - Consumer Secured 119 119 119 80 7 Residential Residential Mortgages 829 968 131 1,257 52 Residential Consumer Construction - - - - - Totals: Commercial $3,423 $4,141 $713 $3,631 $92 Commercial Real Estate Commercial Mortgages-Owner Occupied 3,687 3,864 63 3,323 188 Commercial Mortgage Non-Owner Occupied 1,204 1,254 32 1,214 82 Commercial Construction 460 1,194 - 606 - Consumer Consumer Unsecured - - - - - Consumer Secured 140 140 119 101 8 Residential Residential Mortgages 1,763 2,026 131 1,959 110 Residential Consumer Construction - - - - - $10,677 $12,619 $1,058 $10,834 $480
Effect On Loan Loss Provision, Changes In Methodology In Prior Periods	Portfolio Segment : Calculated Provision Based on Current Methodology Calculated Provision Based on Prior Methodology Difference Commercial $334 $234 $100 Commercial Real Estate (260) (1,006) 746 Consumer (83) (259) 176 Residential 64 41 23 Total $55 $(990) $1,045
Allowance For Loan Losses And Recorded Investment In Loans	Allowance for Loan Losses and Recorded Investment in Loans For the Year Ended December 31, 201 5 Commercial 2015 Commercial Real Estate Consumer Residential Total Allowance for Loan Losses: Beginning Balance $1,235 $2,194 $812 $549 $4,790 Charge-offs (294) (64) (257) - (615) Recoveries 14 122 54 36 226 Provision 240 (501) 464 79 282 Ending Balance $1,195 $1,751 $1,073 $664 $4,683 Ending Balance: Individually evaluated for impairment $610 $413 $184 $87 $1,294 Ending Balance: Collectively evaluated for impairment 585 1,338 889 577 3,389 Totals: $1,195 $1,751 $1,073 $664 $4,683 Loans: Ending Balance: Individually evaluated for impairment $1,180 $5,175 $241 $2,818 $9,414 Ending Balance: Collectively evaluated for impairment 75,593 211,950 81,290 56,881 425,714 Totals: $76,773 $217,125 $81,531 $59,699 $435,128 Note 5 - Loans and allowance for loan losses (continued) Allowance for Loan Losses and Recorded Investment in Loans For the Year Ended December 31, 201 4 Commercial 2014 Commercial Real Estate Consumer Residential Total Allowance for Loan Losses: Beginning Balance $1,015 $2,631 $935 $605 $5,186 Charge-offs (165) (187) (79) (120) (551) Recoveries 51 10 39 - 100 Provision 334 (260) (83) 64 55 Ending Balance $1,235 $2,194 $812 $549 $4,790 Ending Balance: Individually evaluated for impairment $713 $95 $119 $131 $1,058 Ending Balance: Collectively evaluated for impairment 522 2,099 693 418 3,732 Totals: $1,235 $2,194 $812 $549 $4,790 Loans: Ending Balance: Individually evaluated for impairment $3,423 $5,351 $140 $1,763 $10,677 Ending Balance: Collectively evaluated for impairment 59,386 201,911 76,240 50,699 388,686 Totals: $63,259 $207,262 $76,380 $52,462 $399,363
Age Analysis Of Past Due Financing Receivables	Age Analysis of Past Due Loans as of December 31, 201 5 2015 30-59 Days Past Due 60-89 Days Past Due Greater than 90 Days Total Past Due Current Total Loans Recorded Investment > 90 Days & Accruing Commercial $ - $244 $483 $727 $76,046 $76,773 $ - Commercial Real Estate: Commercial Mortgages-Owner Occupied 425 571 426 1,422 75,549 76,971 - Commercial Mortgages-Non-Owner Occupied 189 90 438 717 126,138 126,855 - Commercial Construction - - 367 367 12,932 13,299 - Consumer: Consumer Unsecured 2 - 31 33 6,828 6,861 - Consumer Secured 198 68 128 394 74,276 74,670 - Residential: Residential Mortgages 512 468 543 1,523 48,490 50,013 - Residential Consumer Construction - - 248 248 9,438 9,686 - Total $1,326 $1,441 $2,664 $5,431 $429,697 $435,128 $ - Age Analysis of Past Due Loans as of December 31, 201 4 2014 30-59 Days Past Due 60-89 Days Past Due Greater than 90 Days Total Past Due Current Total Loans Recorded Investment > 90 Days & Accruing Commercial $21 $80 $1,965 $2,066 $61,193 $63,259 $ - Commercial Real Estate: Commercial Mortgages-Owner Occupied 192 - 212 404 77,304 77,708 - Commercial Mortgages-Non-Owner Occupied 86 - 70 156 119,019 119,175 - Commercial Construction - - 460 460 9,919 10,379 - Consumer: Consumer Unsecured 11 - - 11 5,749 5,760 - Consumer Secured 15 - - 15 70,605 70,620 - Residential: Residential Mortgages 626 48 525 1,199 43,745 44,944 - Residential Consumer Construction 29 - - 29 7,489 7,518 - Total $980 $128 $3,232 $4,340 $395,023 $399,363 $ -
Credit Quality Information-By Class	Credit Quality Information - by Class December 31, 201 5 2015 Pass Monitor Special Substandard Doubtful Totals Mention Commercial $73,831 $290 $1,457 $1,195 $ - $76,773 Commercial Real Estate: Commercial Mortgages-Owner Occupied 68,813 1,353 2,801 4,004 - 76,971 Commercial Mortgages-Non-Owner Occupied 120,462 1,558 3,895 940 - 126,855 Commercial Construction 12,932 - - 367 - 13,299 Consumer Consumer Unsecured 6,830 - - 31 - 6,861 Consumer Secured 73,825 276 50 519 - 74,670 Residential: Residential Mortgages 47,180 - - 2,833 - 50,013 Residential Consumer Construction 9,438 - - 248 - 9,686 Totals $413,311 $3,477 $8,203 $10,137 $ - $435,128 Credit Quality Information - by Class December 31, 201 4 2014 Pass Monitor Special Substandard Doubtful Totals Mention Commercial $58,745 $725 $224 $3,565 $ - $63,259 Commercial Real Estate: Commercial Mortgages-Owner Occupied 71,087 1,718 1,216 3,687 - 77,708 Commercial Mortgages-Non-Owner Occupied 112,560 1,586 3,971 1,058 - 119,175 Commercial Construction 9,919 - - 460 - 10,379 Consumer Consumer Unsecured 5,673 - - 87 - 5,760 Consumer Secured 69,527 554 136 403 - 70,620 Residential: Residential Mortgages 41,578 1,258 120 1,988 - 44,944 Residential Consumer Construction 7,428 - - 90 - 7,518 Totals $376,517 $5,841 $5,667 $11,338 $ - $399,363
Loan modifications classified as TDR's	For the Twelve Months Ended December 31, 2015 ( dollars in thousands) Troubled Debt Restructurings During the Period Number of Contracts Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment Commercial 1 $21 $21 Commercial Real Estate 2 $456 $456

Other Real Estate Owned (Tables

Other Real Estate Owned (Tables)	12 Months Ended
	Dec. 31, 2015
Other Real Estate Owned [Abstract]
Changes In OREO Balance	OREO Changes Year Ended December 31, 201 5 201 4 Balance at the beginning of the year (net) $956 $1,451 Transfers from Loans 1,425 473 Capitalized costs 25 - Write-downs to OREO expense (75) (167) Sales (360) (780) (Loss) on sales (6) (21) Balance at the end of the year (net) $1,965 $956
Schedule Of OREO Expenses	OREO Expense Year Ended December 31, 201 5 201 4 Los s on sales $6 $21 Write-downs 75 167 Expenses 41 18 Total $122 $206

Premises And Equipment (Tables)

Premises And Equipment (Tables)	12 Months Ended
	Dec. 31, 2015
Premises And Equipment [Abstract]
Schedule Of Property And Equipment	December 31, 201 5 201 4 Land $3,014 $3,014 Building and improvements 6,142 5,261 Construction in progress 877 877 Furniture and equipment 5,951 5,477 Leasehold improvements 1,611 1,579 Software 2,106 1,981 19,701 18,189 Less accumulated depreciation 9,694 8,927 Net pr emises and equipment $10,007 $9,262

Deposits (Tables)

Deposits (Tables)	12 Months Ended
	Dec. 31, 2015
Deposits [Abstract]
Summary Of Deposit Accounts	December 31, 201 5 201 4 Demand Noninterest bearing $91,325 $74,682 Interest bearing 117,934 104,786 Savings 114,930 122,975 Time, $ 250 ,000 or more 25,190 8,785 Other time 118,231 88,269 $467,610 $399,497
Schedule Of Time Deposit Maturities	Year Ending December 31, Amount 201 6 $63,960 201 7 25,954 201 8 33,377 201 9 10,187 20 20 9,943 $143,421

Business Segments (Tables)

Business Segments (Tables)	12 Months Ended
	Dec. 31, 2015
Business Segments [Abstract]
Schedule Of Segment Reporting Information, By Segment	Business Segments Community Banking Mortgage Total For the year ended December 31, 2015 Net interest income $ 17,611 $ - $ 17,611 Provision for loan losses 282 - 282 Net interest income after provision for loan losses 17,329 - 17,329 Noninterest income 1,866 2,327 4,193 Noninterest expenses 14,401 1,778 16,179 Income before income taxes 4,794 549 5,343 Income tax expense 1,464 187 1,651 Net income $ 3,330 $ 362 $ 3,692 Total assets $ 525,077 $ 2,066 $ 527,143 For the year ended December 31, 2014 Net interest income $ 16,404 $ - $ 16,404 Provision for loan losses 55 - 55 Net interest income after provision for loan losses 16,349 - 16,349 Noninterest income 1,857 1,730 3,587 Noninterest expenses 13,811 1,424 15,235 Income before income taxes 4,395 306 4,701 Income tax expense 1,184 104 1,288 Net income $ 3,211 $ 202 $ 3,413 Total assets $ 459,804 $ 1,061 $ 460,865

Other Borrowings (Tables)

Other Borrowings (Tables)	12 Months Ended
	Dec. 31, 2015
Other Borrowings [Abstract]
Summary Of Short Term Borrowings	As of December 31, Short Term: 201 5 2014 Federal funds purchased Balance at end of year $ - $3,189 Maximum month-end outstanding balance 814 5,976 Average outstanding balance during the year 184 963 Average interest rate during the year 1.09% 0.93% Average interest rate at end of year N/A 0.96% FHLB Borrowings : Federal Home Loan Bank advances Balance at end of year $ - $12,000 Maximum month-end outstanding balance 12,000 12,000 Average outstanding balance during the year 2,269 2,082 Average interest rate during the year 1.23% 3.65% Average interest rate at end of year N/A 2.56%

Income Taxes (Tables)

Income Taxes (Tables)	12 Months Ended
	Dec. 31, 2015
Income Taxes [Abstract]
Schedule Of Income Tax Expense	December 31, 201 5 201 4 Current federal income tax expense $1,725 $926 Deferred fede ral income tax (benefit) expense (74) 362 Income tax expense $1,651 $1,288
Schedule Of Income Tax Expense Benefit After Federal Income Tax Rate	201 5 201 4 Com puted “expected” income tax expense $1,817 $1,599 Increase (reduction) in income tax resulting from: Non-taxable income (106) (134) Non-deductible expenses 38 27 Tax credit investments (98) (204) Income tax expense $1,651 $1,288
Schedule Of Deferred Tax Assets And Liabilities	201 5 201 4 Def e rred tax assets Allowance for loan losses $881 $785 Unrealized loss on available-for-sale securities 305 201 OREO 124 169 Non-accrual interest 432 484 Other 64 - Gross deferred tax assets 1,806 1,639 Deferred tax liabilities Depreciation 204 208 Other 203 210 Gross deferred tax liabilities 407 418 Net deferred tax asset $1,399 $1,221

Earnings Per Common Share (EP42

Earnings Per Common Share (EPS) (Tables)	12 Months Ended
	Dec. 31, 2015
Earnings Per Common Share (EPS) [Abstract]
Earnings Per Share	201 5 201 4 Numerator: Net income available to stockholders $3,692 $3,413 Basic EPS weighted average shares outstanding 3,451,409 3,365,410 Effect of dilutive securities: Incremental shares a ttributable to stock options - - Diluted EPS weighted-average shares outstanding 3,451,409 3,365,410 Basic earnings per common share $1.07 $1.01 Diluted earnings per common share $1.07 $1.01

Stock Option Plan (Tables)

Stock Option Plan (Tables)	12 Months Ended
	Dec. 31, 2015
Stock Option Plan [Abstract]
Summary Of Stock Option Activity	Weighted Weighted Average Average Remaining Exercise Contractual Intrinsic Shares Price Life (in years) Value Options outstanding, January 1, 2015 69,372 $ 11.44 Granted - - Exercised (6,820) 11.45 Forfeited (61,916) 11.42 Options outstanding, December 31, 2015 636 12.79 2.42 $ - Options exercisable, December 31, 2015 636 $ 12.79 2.42 $ -
Summarized Information Concerning Currently Outstanding And Exercisable Options	Options Outstanding and Exercisable Exercise Remaining Weighted Average Price ($) Number of Options Contractual Life Exercise Price ($) 12.79 636 2.42 years 12.79

Regulatory Matters (Tables)

Regulatory Matters (Tables)	12 Months Ended
	Dec. 31, 2015
Regulatory Matters [Abstract]
Schedule Of Capital Ratios For The Bank	December 31, 201 5 To Be Well Capitalized Under For Capital Prompt Corrective Actual Adequacy Purposes Action Provisions Amount Ratio Amount Ratio Amount Ratio Tot al capital (to risk-weighted assets) $52,461 11.76% $35,696 > 8.00% $44,620 > 10.00% Tier I capital (to risk-weighted assets) $47,778 10.71% $26,772 > 6.00% $35,696 > 8.00% Common Equity Tier 1 capital (to risk-weighted assets) $47,778 10.71% $20,079 >4.50% $29,003 >6.50% Tier I capital (leverage) (to average assets) $47,778 9.22% $20,724 > 4.00% $25,905 > 5.00% December 31, 201 4 To Be Well Capitalized Under For Capital Prompt Corrective Actual Adequacy Purposes Action Provisions Amount Ratio Amount Ratio Amount Ratio Tot al capital (to risk-weighted assets) $48,165 13.04% $29,548 > 8.00% $36,935 > 10.00% Tier I capital (to risk-weighted assets) $43,546 11.79% $14,774 > 4.00% $22,161 > 6.00% Tier I capital (leverage) (to average assets) $43,546 9.63% $18,091 > 4.00% $22,614 > 5.00%

Contingent Liabilities (Tables)

Contingent Liabilities (Tables)	12 Months Ended
	Dec. 31, 2015
Contingent Liabilities [Abstract]
Schedule Of Current Minimum Annual Rental Commitments Under Non-Cancelable Leases	Year Ending Amount 201 6 $512 201 7 521 201 8 530 201 9 316 20 20 58 Thereafter - $1,937

Financial Instruments With Of46

Financial Instruments With Off-Balance-Sheet Risk (Tables)	12 Months Ended
	Dec. 31, 2015
Financial Instruments With Off Balance Sheet Risk[Abstract]
Summary Of Financial Instruments With Contract Amounts Representing Credit Risk	Contract Amounts at December 31, 201 5 201 4 Com mitments to extend credit $90,809 $83,312 Standby letters of credit $3,097 $4,252

Fair Value Measurements (Tables

Fair Value Measurements (Tables)	12 Months Ended
	Dec. 31, 2015
Fair Value Measurements [Abstract]
Fair Value Assets Measured On Recurring Basis	Carrying Value at December 31, 201 5 Des c ription Balance as of December 31, 201 5 Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) U.S. agency obligations $18,810 $ - $18,810 $ - Mortgage-backed securities 10,647 - 10,647 - Municipals 5,034 - 5,034 - Corporates 1,505 - 1,505 - Total available-for-sale securities $35,996 $ - $35,996 $ - Ca rrying Value at December 31, 201 4 De s cription Balance as of December 31, 201 4 Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) U.S. agency obligations $13,498 $ - $13,498 $ - Mortgage-backed securities 1,982 - 1,982 - Municipals 7,899 - 7,899 - Corporates 1,016 - 1,016 - Total available-for-sale securities $24,395 $ - $24,395 $ -
Impaired Loans And Other Real Estate Owned Measured At Fair Value On A Nonrecurring Basis	Carrying Value at December 31, 201 5 Des cription Balance as of December 31, 201 5 Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Impaired loans* $2,896 $ - $ - $2,896 Loans held for sale $1,964 $ - $1,964 $ - Other real estate $1,965 $ - $ - $1,965 * Includes loans charged down to the net realizable value of the collateral. Carrying Value at December 31, 201 4 Des cription Balance as of December 31, 201 4 Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Impaired loans* $3,386 $ - $ - $3,386 Loans held for sale $1,030 $ - $1,030 $ - Other real estate $956 $ - $ - $956 *Includes loans charged down to the net realizable value of the collateral.
Information Regarding Quantitative Inputs Used To Value Assets Classified As Level 3	Quantitative information about Level 3 Fair Value Measurements for December 31, 2015 (dollars in thousands) Fair Value Valuation Te chnique(s) Unobservable Input Range (Weighted Average) Impaired loans $2,896 Discounted appraised value Selling cost 5 % - 10 % ( 6 %) Discount for lack of marketability and age of appraisal 0 % - 45 % ( 15 %) OREO $1,965 Discounted appraised value Selling cost 5 % - 10 % ( 6 %) Discount for lack of marketability and age of appraisal 0 % - 25 % ( 15 %) Quantitative information about Level 3 Fair Value Measurements for Dece mber 31, 2014 (dollars in thousands) Fair Value Valuation Te chnique(s) Unobservable Input Range (Weighted Average) Imp aired loans $3,386 Discounted appraised value Selling cost 5% - 10% ( 6% ) Discount for lack of marketability and age of appraisal 0% - 45% ( 15% ) OREO $956 Discounted appraised value Selling cost 5% - 10% ( 6% ) Discount for lack of marketability and age of appraisal 0% - 25% ( 15% )
Fair Value Carrying And Notional Amounts	Fair Value Measurements at December 31, 2015 using Quoted Prices Significant in Active Other Significant Markets for Observable Unobservable Carrying Identical Assets Inputs Inputs Asse ts Amounts (Level 1) (Level 2) (Level 3) Balance Cash and due from banks $15,952 $15,952 $ - $ - $15,952 Fed funds sold 12,703 12,703 12,703 Securities Available-for-sale 35,996 - 35,996 - 35,996 Held-to-maturity 2,519 - 2,649 - 2,649 Restricted stock 1,313 - 1,313 - 1,313 Loans, net 430,445 - - 438,322 438,322 Loans held for sale 1,964 - 1,964 - 1,964 Interest receivable 1,248 - 1,248 - 1,248 BOLI 9,781 - 9,781 - 9,781 Liabilities Deposits $467,610 $ - $468,773 $ - $468,773 Capital notes 10,000 - 10,024 - 10,024 Interest payable 61 - 61 - 61 Fair Value Measurements at December 31, 201 4 using Carrying Ass e ts Amounts (Level 1) (Level 2) (Level 3) Balance Cash and due from banks $12,743 $12,743 $ - $ - $12,743 Securities Available-for-sale 24,395 - 24,395 - 24,395 Held-to-maturity 2,528 - 2,699 - 2,699 Restricted stock 1,739 - 1,739 - 1,739 Loans, net 394,573 - - 401,281 401,281 Loans held for sale 1,030 - 1,030 - 1,030 Interest receivable 1,246 - 1,246 - 1,246 BOLI 9,512 - 9,512 - 9,512 Liabilities Deposits $399,497 $ - $400,351 $ - $400,351 FHLB borrowings 12,000 10,000 2,005 - 12,005 Fed funds purchased 3,189 3,189 - - 3,189 Capital notes 10,000 - 10,023 - 10,023 Interest payable 58 - 58 - 58

Condensed Financial Statement48

Condensed Financial Statements Of Parent Company (Tables)	12 Months Ended
	Dec. 31, 2015
Condensed Financial Information Of Parent Company [Abstract]
Condensed Balance Sheet Of Parent Company	December 31, 201 5 201 4 Ass ets Cash $10,895 $1,375 Taxes receivable 332 225 Investment in subsidiaries 47,189 43,157 Other assets 28 19 Total assets $58,444 $44,776 Liabilities and stockholders’ equity Capital notes $10,000 $10,000 Other liabilities 248 - Total liabilities 10,248 10,000 Common stock $2.14 par value $9,370 $7,215 Additional paid-in-capital 31,495 22,919 Retained earnings 7,920 5,031 Accumulated other comprehensive (loss) (589) (389) Total stockholders’ equity $48,196 $34,776 Total liabilities and stockholders’ equity $58,444 $44,776
Condensed Statements Of Income Of Parent Company	Sta tements of Income Years Ended December 31, 201 5 201 4 In come $ - $ - Operating expenses Interest on capital notes 600 600 Legal and professional fees 126 103 Other expense 92 58 Total expenses 818 761 I ncome tax ( benefit ) (278) (259) (Loss) before equity in und istributed income of subsidiaries (540) (502) Equity in undistr ibuted income of subsidiaries 4,232 3,915 Net income $3,692 $3,413
Condensed Statements Of Cash Flows Of Parent Company	St a tements of Cash Flows Years Ended December 31, 201 5 201 4 Cash flows from operating activities Net income $3,692 $3,413 Adjustments to reconcile net income to net cash used in operating activities (Increase) in income taxes receivable (107) (50) (Increase) decrease in other assets (9) 7 Increase (decrease) in other liabilities 248 (69) Equity in undistribute d net (income) of subsidiaries (4,232) (3,915) Net cash (used in) operating activities $(408) $(614) Cash flows from financing activities Proceeds from exercise of stock options 78 65 Dividends paid to common stockholders (803) (506) Proceeds from sale of 1,000,000 shares of common stock 10,653 - Net cash provided by (used in) by financing activities $9,928 $(441) Increase (d ecrease) in cash and cash equivalents $9,520 $(1,055) Cash and cash equivalents at beginning of period 1,375 2,430 Cash and cash equivalents at end of period $10,895 $1,375

Organization (Details)

Organization (Details)	12 Months Ended
	Dec. 31, 2015item
Number of wholly-owned non-operating subsidiaries	1
Number of bank locations	5
Lynchburg Virginia [Member]
Limited service bank branch	1
Forest Virginia [Member]
Number of bank locations	1
Madison Heights [Member]
Number of bank locations	1
Amherst Virginia [Member]
Number of bank locations	1
Bedford Virginia [Member]
Number of bank locations	1
Altavista Virginia [Member]
Number of bank locations	1
Charlottesville Virginia [Member]
Limited service bank branch	2

Summary Of Significant Accoun50

Summary Of Significant Accounting Policies (Narrative) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Summary Of Significant Accounting Policies [Line Items]
Maximum maturing period for cash and cash equivalents	90 days
Duration of loans interest stops accruing	90 days
Duration of consecutive payments before future payments assured	6 months
Duration of consumer term loans charged-off	120 days
Duration of consumer revolving credit loans charged-off	180 days
Impaired loans TDR	$ 646	$ 376
Minimum principal loan balance for individual impairment test	100,000
Unrecognized tax liabilities	$ 0	$ 0
Number of options granted	0	0
Advertising expense	$ 466	$ 472
Equipment [Member] | Maximum [Member]
Summary Of Significant Accounting Policies [Line Items]
Estimated useful life	7 years
Equipment [Member] | Minimum [Member]
Summary Of Significant Accounting Policies [Line Items]
Estimated useful life	3 years
Building and Building Improvements [Member] | Maximum [Member]
Summary Of Significant Accounting Policies [Line Items]
Estimated useful life	39 years 6 months
Building and Building Improvements [Member] | Minimum [Member]
Summary Of Significant Accounting Policies [Line Items]
Estimated useful life	10 years

Restrictions On Cash (Narrative

Restrictions On Cash (Narrative) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Restrictions On Cash [Abstract]
Daily average cash reserve	$ 5,562	$ 4,987

Securities (Narrative) (Details

Securities (Narrative) (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2015USD ($)securityitem	Dec. 31, 2014USD ($)
Number Of Securities Evaluated For Other Than Temporary Impairment [Line Items]
Available-for-sale Securities	$ 35,996	$ 24,395
Available For Sale Securities Pledged As Collateral Amortized Costs	11,795	11,828
Available-for-sale Securities Pledged as Collateral, Fair value	11,706	11,828
US Agency Obligations [Member]
Number Of Securities Evaluated For Other Than Temporary Impairment [Line Items]
Available-for-sale Securities	18,810	13,498
Municipals [Member]
Number Of Securities Evaluated For Other Than Temporary Impairment [Line Items]
Available-for-sale Securities	5,034	7,899
Corporates [Member]
Number Of Securities Evaluated For Other Than Temporary Impairment [Line Items]
Available-for-sale Securities	1,505	1,016
Reportable Legal Entities [Member]
Number Of Securities Evaluated For Other Than Temporary Impairment [Line Items]
Available-for-sale Securities	13,440	27,708
Available-for-sale Securities, Gross Realized Gains	52	160
Available-for-sale Securities, Gross Realized Losses	$ 3	$ 17
S&P Rated AA [Member] | US Agency Obligations [Member]
Number Of Securities Evaluated For Other Than Temporary Impairment [Line Items]
Number Of Securities Held | item	16
S&P Rated AA [Member] | Mortgage Backed Securities [Member]
Number Of Securities Evaluated For Other Than Temporary Impairment [Line Items]
Number Of Securities Held | security	4
S&P Rated AA [Member] | Municipals [Member]
Number Of Securities Evaluated For Other Than Temporary Impairment [Line Items]
Number Of Securities Held | item	6
S&P Rated AA [Member] | Corporates [Member]
Number Of Securities Evaluated For Other Than Temporary Impairment [Line Items]
Number Of Securities Held | security	3

Securities (Summary Of Securiti

Securities (Summary Of Securities Held-To-Maturity And Securities Available-For-Sale) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Schedule Of Available-For-Sale Securities And Held-To-Maturity Securities [Line Items]
Held-to-Maturity, Fair Value	$ 2,649	$ 2,699
Available-for-Sale, Amortized Costs	36,889	24,984
Available-for-Sale, Gross Unrealized Gains	91	114
Available-for-Sale, Gross Unrealized (Losses)	(984)	(703)
Available-for-sale, Fair Value	35,996	24,395
US Agency Obligations [Member]
Schedule Of Available-For-Sale Securities And Held-To-Maturity Securities [Line Items]
Available-for-Sale, Amortized Costs	19,606	14,090
Available-for-Sale, Gross Unrealized Gains	3
Available-for-Sale, Gross Unrealized (Losses)	(799)	(592)
Available-for-sale, Fair Value	18,810	13,498
Mortgage-Backed Securities [Member]
Schedule Of Available-For-Sale Securities And Held-To-Maturity Securities [Line Items]
Available-for-Sale, Amortized Costs	10,778	2,042
Available-for-Sale, Gross Unrealized Gains	4
Available-for-Sale, Gross Unrealized (Losses)	(135)	(60)
Available-for-sale, Fair Value	10,647	1,982
Municipals [Member]
Schedule Of Available-For-Sale Securities And Held-To-Maturity Securities [Line Items]
Available-for-Sale, Amortized Costs	4,984	7,832
Available-for-Sale, Gross Unrealized Gains	84	114
Available-for-Sale, Gross Unrealized (Losses)	(34)	(47)
Available-for-sale, Fair Value	5,034	7,899
Corporates [Member]
Schedule Of Available-For-Sale Securities And Held-To-Maturity Securities [Line Items]
Available-for-Sale, Amortized Costs	1,521	1,020
Available-for-Sale, Gross Unrealized (Losses)	(16)	(4)
Available-for-sale, Fair Value	1,505	1,016
US Agency Obligations [Member]
Schedule Of Available-For-Sale Securities And Held-To-Maturity Securities [Line Items]
Held-to-Maturity, Amortized Costs	2,519	2,528
Held-to-maturity, Gross Unrealized Gains	130	171
Held-to-Maturity, Fair Value	$ 2,649	$ 2,699

Securities (Gross Unrealized Lo

Securities (Gross Unrealized Losses And Fair Value Of The Bank's Investments) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Schedule of Available-for-sale Securities [Line Items]
Fair Value, Less than 12 months	$ 17,732	$ 1,770
Unrealized Losses, Less than 12 months	471	10
Fair Value, More than 12 months	13,132	17,692
Unrealized Losses, More than 12 months	513	693
Fair Value, Total	30,864	19,462
Unrealized Losses, Total	984	703
US Agency Obligations [Member]
Schedule of Available-for-sale Securities [Line Items]
Fair Value, Less than 12 months	7,160	999
Unrealized Losses, Less than 12 months	353	1
Fair Value, More than 12 months	10,650	11,502
Unrealized Losses, More than 12 months	446	591
Fair Value, Total	17,810	12,501
Unrealized Losses, Total	799	592
Mortgage-Backed Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Fair Value, Less than 12 months	6,726
Unrealized Losses, Less than 12 months	77
Fair Value, More than 12 months	1,979	1,982
Unrealized Losses, More than 12 months	58	60
Fair Value, Total	8,705	1,982
Unrealized Losses, Total	135	60
Municipals [Member]
Schedule of Available-for-sale Securities [Line Items]
Fair Value, Less than 12 months	2,341	771
Unrealized Losses, Less than 12 months	25	9
Fair Value, More than 12 months	503	3,192
Unrealized Losses, More than 12 months	9	38
Fair Value, Total	2,844	3,963
Unrealized Losses, Total	34	47
Corporates [Member]
Schedule of Available-for-sale Securities [Line Items]
Fair Value, Less than 12 months	1,505
Unrealized Losses, Less than 12 months	16
Fair Value, More than 12 months		1,016
Unrealized Losses, More than 12 months		4
Fair Value, Total	1,505	1,016
Unrealized Losses, Total	$ 16	$ 4

Securities (Contractual Maturit

Securities (Contractual Maturities Of Investment Securities) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Securities [Abstract]
Held-to-Maturity, Amortized Cost, Due in one year or less
Held-to-Maturity, Amortized Cost, Due after one year through five years	$ 2,519
Held-to-maturity Securities, Total	$ 2,519	$ 2,528
Held-to-Maturity, Fair Values, Due in one year or less
Held-to-Maturity, Fair Values, Due after one year through five years	$ 2,649
Held-to-Maturity, Fair Value	$ 2,649	$ 2,699
Available-for-Sale, Amortized Cost, Due in one year or less
Available-for-Sale, Amortized Cost, Due after one year through five years	$ 479
Available-for-Sale, Amortized Cost, Due after five years through ten years	13,171
Available-for-Sale, Amortized Cost, Due after ten years	23,239
Available-for-Sale, Amortized Cost	$ 36,889
Available-for-Sale, Fair Values, Due in one year or less
Available-for-Sale, Fair Values, Due after one year through five years	$ 496
Available-for-Sale, Fair Values, Due after five years through ten years	12,853
Available-for-Sale, Fair Values, Due after ten years	22,647
Available-for-Sale, Fair Values	$ 35,996

Loans and Allowance for loan 56

Loans and Allowance for loan losses (Narrative) (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2015USD ($)contract	Dec. 31, 2014USD ($)contract	Dec. 31, 2013USD ($)
Financing Receivable, Modifications [Line Items]
Overdrafts reclassified as loans	$ 17	$ 12
Outstanding balances of related party loans	16,068	$ 17,339
New loans and advances from related party	2,252
Repayments from related party	$ 3,523
Financing Receivable, Modifications, Subsequent Default, Number of Contracts | contract	0	0
Financing Receivable, Modifications, Number of Contracts | contract		0
Other real estate owned	$ 1,965	$ 956	$ 1,451
Real Estate Acquired Through Foreclosure	1,965	$ 956
Consumer [Member]
Financing Receivable, Modifications [Line Items]
Other real estate owned	0
Residential [Member]
Financing Receivable, Modifications [Line Items]
Other real estate owned	$ 0
Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modifications, Number of Contracts | contract	2

Loans and Allowance for loan 57

Loans and Allowance for loan losses (Summary Of Loans, Net) (Details) - USD ($) $ in Thousands		Dec. 31, 2015	Dec. 31, 2014
Loans and Allowance for loan losses [Abstract]
Commercial		$ 76,773	$ 63,259
Commercial real estate		217,125	207,262
Consumer		81,531	76,380
Residential		59,699	52,462
Total loans	[1]	435,128	399,363
Less allowance for loan losses		4,683	4,790
Net loans		430,445	394,573
Net deferred loans cost		$ 263	$ 330
[1]	Includes net deferred loan costs of $263 and $330, respectively.

Loans and Allowance for loan 58

Loans and Allowance for loan losses (Loans On Non-Accrual Status) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Financing Receivable, Recorded Investment [Line Items]
Financing Receivables on Non-Accrual Status	$ 3,406	$ 3,506
Commercial [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivables on Non-Accrual Status	483	1,965
Commercial Mortgages-Owner Occupied [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivables on Non-Accrual Status	799	212
Commercial Mortgages-Non-Owner Occupied [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivables on Non-Accrual Status	514	70
Commercial Construction [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivables on Non-Accrual Status	367	$ 460
Consumer Unsecured [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivables on Non-Accrual Status	31
Consumer Secured [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivables on Non-Accrual Status	269	$ 20
Residential Mortgages [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivables on Non-Accrual Status	695	689
Residential Consumer Construction [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivables on Non-Accrual Status	$ 248	$ 90

Loans and Allowance for loan 59

Loans and Allowance for loan losses (Impaired Loans) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Financing Receivable, Impaired [Line Items]
Totals: Recorded Investment	$ 9,414	$ 10,677
Totals: Unpaid Principal Balance	10,616	12,619
Totals: Related Allowance	1,294	1,058
Totals: Average Recorded Investment	10,051	10,834
Totals: Interest Income Recognized	441	480
Commercial [Member]
Financing Receivable, Impaired [Line Items]
With No Related Allowance Recorded: Recorded Investment		2,017
With No Related Allowance Recorded: Unpaid Principal Balance		2,280
With No Related Allowance Recorded: Average Recorded Investment	1,009	2,641
With No Related Allowance Recorded: Interest Income Recognized		63
With An Allowance Recorded: Recorded Investment	1,180	1,406
With An Allowance Recorded: Unpaid Principal Balance	1,256	1,861
With An Allowance Recorded: Average Recorded Investment	1,293	990
With An Allowance Recorded: Interest Income Recognized	38	29
Totals: Recorded Investment	1,180	3,423
Totals: Unpaid Principal Balance	1,256	4,141
Totals: Related Allowance	610	713
Totals: Average Recorded Investment	2,302	3,631
Totals: Interest Income Recognized	38	92
Commercial Mortgages-Owner Occupied [Member]
Financing Receivable, Impaired [Line Items]
With No Related Allowance Recorded: Recorded Investment	3,082	2,835
With No Related Allowance Recorded: Unpaid Principal Balance	3,100	2,835
With No Related Allowance Recorded: Average Recorded Investment	2,959	1,687
With No Related Allowance Recorded: Interest Income Recognized	174	152
With An Allowance Recorded: Recorded Investment	877	852
With An Allowance Recorded: Unpaid Principal Balance	883	1,029
With An Allowance Recorded: Average Recorded Investment	865	1,636
With An Allowance Recorded: Interest Income Recognized	35	36
Totals: Recorded Investment	3,959	3,687
Totals: Unpaid Principal Balance	3,983	3,864
Totals: Related Allowance	163	63
Totals: Average Recorded Investment	3,824	3,323
Totals: Interest Income Recognized	209	188
Commercial Mortgages-Non-Owner Occupied [Member]
Financing Receivable, Impaired [Line Items]
With No Related Allowance Recorded: Recorded Investment	177	1,078
With No Related Allowance Recorded: Unpaid Principal Balance	177	1,128
With No Related Allowance Recorded: Average Recorded Investment	628	1,041
With No Related Allowance Recorded: Interest Income Recognized	12	75
With An Allowance Recorded: Recorded Investment	672	126
With An Allowance Recorded: Unpaid Principal Balance	738	126
With An Allowance Recorded: Average Recorded Investment	399	173
With An Allowance Recorded: Interest Income Recognized	38	7
Totals: Recorded Investment	849	1,204
Totals: Unpaid Principal Balance	915	1,254
Totals: Related Allowance	175	32
Totals: Average Recorded Investment	1,027	1,214
Totals: Interest Income Recognized	50	82
Commercial Construction [Member]
Financing Receivable, Impaired [Line Items]
With No Related Allowance Recorded: Recorded Investment	27	460
With No Related Allowance Recorded: Unpaid Principal Balance	514	1,194
With No Related Allowance Recorded: Average Recorded Investment	244	606
With An Allowance Recorded: Recorded Investment	340
With An Allowance Recorded: Unpaid Principal Balance	700
With An Allowance Recorded: Average Recorded Investment	170
Totals: Recorded Investment	367	460
Totals: Unpaid Principal Balance	1,214	1,194
Totals: Related Allowance	75
Totals: Average Recorded Investment	$ 414	$ 606
Consumer Unsecured [Member]
Financing Receivable, Impaired [Line Items]
With No Related Allowance Recorded: Recorded Investment
With No Related Allowance Recorded: Unpaid Principal Balance
With No Related Allowance Recorded: Average Recorded Investment
With No Related Allowance Recorded: Interest Income Recognized
With An Allowance Recorded: Recorded Investment	$ 31
With An Allowance Recorded: Unpaid Principal Balance	32
With An Allowance Recorded: Average Recorded Investment	16
With An Allowance Recorded: Interest Income Recognized	1
Totals: Recorded Investment	31
Totals: Unpaid Principal Balance	32
Totals: Related Allowance	31
Totals: Average Recorded Investment	16
Totals: Interest Income Recognized	1
Consumer Secured [Member]
Financing Receivable, Impaired [Line Items]
With No Related Allowance Recorded: Recorded Investment	20	$ 21
With No Related Allowance Recorded: Unpaid Principal Balance	20	21
With No Related Allowance Recorded: Average Recorded Investment	21	21
With No Related Allowance Recorded: Interest Income Recognized	1	1
With An Allowance Recorded: Recorded Investment	190	119
With An Allowance Recorded: Unpaid Principal Balance	193	119
With An Allowance Recorded: Average Recorded Investment	155	80
With An Allowance Recorded: Interest Income Recognized	10	7
Totals: Recorded Investment	210	140
Totals: Unpaid Principal Balance	213	140
Totals: Related Allowance	153	119
Totals: Average Recorded Investment	176	101
Totals: Interest Income Recognized	11	8
Residential Mortgages [Member]
Financing Receivable, Impaired [Line Items]
With No Related Allowance Recorded: Recorded Investment	1,997	934
With No Related Allowance Recorded: Unpaid Principal Balance	2,027	1,058
With No Related Allowance Recorded: Average Recorded Investment	1,466	702
With No Related Allowance Recorded: Interest Income Recognized	86	58
With An Allowance Recorded: Recorded Investment	650	829
With An Allowance Recorded: Unpaid Principal Balance	800	968
With An Allowance Recorded: Average Recorded Investment	740	1,257
With An Allowance Recorded: Interest Income Recognized	42	52
Totals: Recorded Investment	2,647	1,763
Totals: Unpaid Principal Balance	2,827	2,026
Totals: Related Allowance	87	131
Totals: Average Recorded Investment	2,206	1,959
Totals: Interest Income Recognized	128	$ 110
Residential Consumer Construction [Member]
Financing Receivable, Impaired [Line Items]
With No Related Allowance Recorded: Recorded Investment	171
With No Related Allowance Recorded: Unpaid Principal Balance	176
With No Related Allowance Recorded: Average Recorded Investment	86
With No Related Allowance Recorded: Interest Income Recognized	$ 4
With An Allowance Recorded: Recorded Investment
With An Allowance Recorded: Unpaid Principal Balance
With An Allowance Recorded: Average Recorded Investment
With An Allowance Recorded: Interest Income Recognized
Totals: Recorded Investment	$ 171
Totals: Unpaid Principal Balance	$ 176
Totals: Related Allowance
Totals: Average Recorded Investment	$ 86
Totals: Interest Income Recognized	$ 4

Loans and Allowance for loan 60

Loans and Allowance for loan losses (Effect On Loan Loss Provision, Changes In Methodology In Prior Periods) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Provision for loan losses	$ 282	$ 55
Calculated Provision Based On Prior Methodology [Member]
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Provision for loan losses		(990)
Difference [Member]
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Provision for loan losses		1,045
Commercial [Member]
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Provision for loan losses	240	334
Commercial [Member] | Calculated Provision Based On Prior Methodology [Member]
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Provision for loan losses		234
Commercial [Member] | Difference [Member]
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Provision for loan losses		100
Commercial Real Estate [Member]
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Provision for loan losses	(501)	(260)
Commercial Real Estate [Member] | Calculated Provision Based On Prior Methodology [Member]
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Provision for loan losses		(1,006)
Commercial Real Estate [Member] | Difference [Member]
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Provision for loan losses		746
Consumer [Member]
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Provision for loan losses	464	(83)
Consumer [Member] | Calculated Provision Based On Prior Methodology [Member]
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Provision for loan losses		(259)
Consumer [Member] | Difference [Member]
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Provision for loan losses		176
Residential [Member]
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Provision for loan losses	$ 79	64
Residential [Member] | Calculated Provision Based On Prior Methodology [Member]
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Provision for loan losses		41
Residential [Member] | Difference [Member]
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Provision for loan losses		$ 23

Loans and Allowance for loan 61

Loans and Allowance for loan losses (Allowance For Loan Losses And Recorded Investment In Loans) (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2015	Dec. 31, 2014
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for Loan Losses: Beginning Balance		$ 4,790	$ 5,186
Allowance for Loan Losses: Charge-offs		(615)	(551)
Allowance for Loan Losses: Recoveries		226	100
Allowance for Loan losses: Provision		282	55
Allowance for Loan Losses: Ending Balance		4,683	4,790
Allowance for Loan Losses: Ending Balance: Individually evaluated for impairment		1,294	1,058
Allowance for Loan Losses: Ending Balance: Collectively evaluated for impairment		3,389	3,732
Allowance for Loan Losses: Totals		4,683	4,790
Financing Receivables: Ending Balance: Individually evaluated for impairment		9,414	10,677
Financing Receivables: Ending Balance: Collectively evaluated for impairment		425,714	388,686
Total loans	[1]	435,128	399,363
Commercial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for Loan Losses: Beginning Balance		1,235	1,015
Allowance for Loan Losses: Charge-offs		(294)	(165)
Allowance for Loan Losses: Recoveries		14	51
Allowance for Loan losses: Provision		240	334
Allowance for Loan Losses: Ending Balance		1,195	1,235
Allowance for Loan Losses: Ending Balance: Individually evaluated for impairment		610	713
Allowance for Loan Losses: Ending Balance: Collectively evaluated for impairment		585	522
Allowance for Loan Losses: Totals		1,195	1,235
Financing Receivables: Ending Balance: Individually evaluated for impairment		1,180	3,423
Financing Receivables: Ending Balance: Collectively evaluated for impairment		75,593	59,386
Total loans		76,773	63,259
Commercial Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for Loan Losses: Beginning Balance		2,194	2,631
Allowance for Loan Losses: Charge-offs		(64)	(187)
Allowance for Loan Losses: Recoveries		122	10
Allowance for Loan losses: Provision		(501)	(260)
Allowance for Loan Losses: Ending Balance		1,751	2,194
Allowance for Loan Losses: Ending Balance: Individually evaluated for impairment		413	95
Allowance for Loan Losses: Ending Balance: Collectively evaluated for impairment		1,338	2,099
Allowance for Loan Losses: Totals		1,751	2,194
Financing Receivables: Ending Balance: Individually evaluated for impairment		5,175	5,351
Financing Receivables: Ending Balance: Collectively evaluated for impairment		211,950	201,911
Total loans		217,125	207,262
Consumer [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for Loan Losses: Beginning Balance		812	935
Allowance for Loan Losses: Charge-offs		(257)	(79)
Allowance for Loan Losses: Recoveries		54	39
Allowance for Loan losses: Provision		464	(83)
Allowance for Loan Losses: Ending Balance		1,073	812
Allowance for Loan Losses: Ending Balance: Individually evaluated for impairment		184	119
Allowance for Loan Losses: Ending Balance: Collectively evaluated for impairment		889	693
Allowance for Loan Losses: Totals		1,073	812
Financing Receivables: Ending Balance: Individually evaluated for impairment		241	140
Financing Receivables: Ending Balance: Collectively evaluated for impairment		81,290	76,240
Total loans		81,531	76,380
Residential [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for Loan Losses: Beginning Balance		549	605
Allowance for Loan Losses: Charge-offs			(120)
Allowance for Loan Losses: Recoveries		36
Allowance for Loan losses: Provision		79	64
Allowance for Loan Losses: Ending Balance		664	549
Allowance for Loan Losses: Ending Balance: Individually evaluated for impairment		87	131
Allowance for Loan Losses: Ending Balance: Collectively evaluated for impairment		577	418
Allowance for Loan Losses: Totals		664	549
Financing Receivables: Ending Balance: Individually evaluated for impairment		2,818	1,763
Financing Receivables: Ending Balance: Collectively evaluated for impairment		56,881	50,699
Total loans		$ 59,699	$ 52,462
[1]	Includes net deferred loan costs of $263 and $330, respectively.

Loans and Allowance for loan 62

Loans and Allowance for loan losses (Age Analysis Of Past Due Financing Receivables) (Details) - USD ($) $ in Thousands		Dec. 31, 2015	Dec. 31, 2014
Financing Receivable, Recorded Investment, Past Due [Line Items]
30 - 59 Days Past Due		$ 1,326	$ 980
60 - 89 Days Past Due		1,441	128
Greater than 90 Days		2,664	3,232
Total Past Due		5,431	4,340
Current		429,697	395,023
Total loans	[1]	$ 435,128	$ 399,363
Recorded Investment > 90 Days & Accruing
Commercial [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
30 - 59 Days Past Due			$ 21
60 - 89 Days Past Due		$ 244	80
Greater than 90 Days		483	1,965
Total Past Due		727	2,066
Current		76,046	61,193
Total loans		$ 76,773	$ 63,259
Recorded Investment > 90 Days & Accruing
Commercial Mortgages-Owner Occupied [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
30 - 59 Days Past Due		$ 425	$ 192
60 - 89 Days Past Due		571
Greater than 90 Days		426	212
Total Past Due		1,422	404
Current		75,549	77,304
Total loans		$ 76,971	$ 77,708
Recorded Investment > 90 Days & Accruing
Commercial Mortgages-Non-Owner Occupied [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
30 - 59 Days Past Due		$ 189	$ 86
60 - 89 Days Past Due		90
Greater than 90 Days		438	70
Total Past Due		717	156
Current		126,138	119,019
Total loans		$ 126,855	$ 119,175
Recorded Investment > 90 Days & Accruing
Commercial Construction [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Greater than 90 Days		$ 367	$ 460
Total Past Due		367	460
Current		12,932	9,919
Total loans		$ 13,299	$ 10,379
Recorded Investment > 90 Days & Accruing
Consumer Unsecured [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
30 - 59 Days Past Due		$ 2	$ 11
Greater than 90 Days		31
Total Past Due		33	11
Current		6,828	5,749
Total loans		$ 6,861	$ 5,760
Recorded Investment > 90 Days & Accruing
Consumer Secured [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
30 - 59 Days Past Due		$ 198	$ 15
60 - 89 Days Past Due		68
Greater than 90 Days		128
Total Past Due		394	15
Current		74,276	70,605
Total loans		$ 74,670	$ 70,620
Recorded Investment > 90 Days & Accruing
Residential Mortgages [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
30 - 59 Days Past Due		$ 512	$ 626
60 - 89 Days Past Due		468	48
Greater than 90 Days		543	525
Total Past Due		1,523	1,199
Current		48,490	43,745
Total loans		$ 50,013	$ 44,944
Recorded Investment > 90 Days & Accruing
Residential Consumer Construction [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
30 - 59 Days Past Due			$ 29
Greater than 90 Days		$ 248
Total Past Due		248	29
Current		9,438	7,489
Total loans		$ 9,686	$ 7,518
Recorded Investment > 90 Days & Accruing
[1]	Includes net deferred loan costs of $263 and $330, respectively.

Loans and Allowance for loan 63

Loans and Allowance for loan losses (Credit Quality Information-By Class) (Details) - USD ($) $ in Thousands		Dec. 31, 2015	Dec. 31, 2014
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	[1]	$ 435,128	$ 399,363
Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount		413,311	376,517
Monitor [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount		3,477	5,841
Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount		8,203	5,667
Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount		$ 10,137	11,338
Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount
Commercial [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount		$ 76,773	63,259
Commercial [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount		73,831	58,745
Commercial [Member] | Monitor [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount		290	725
Commercial [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount		1,457	224
Commercial [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount		$ 1,195	3,565
Commercial [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount
Commercial Mortgages-Owner Occupied [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount		$ 76,971	77,708
Commercial Mortgages-Owner Occupied [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount		68,813	71,087
Commercial Mortgages-Owner Occupied [Member] | Monitor [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount		1,353	1,718
Commercial Mortgages-Owner Occupied [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount		2,801	1,216
Commercial Mortgages-Owner Occupied [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount		$ 4,004	3,687
Commercial Mortgages-Owner Occupied [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount
Commercial Mortgages-Non-Owner Occupied [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount		$ 126,855	119,175
Commercial Mortgages-Non-Owner Occupied [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount		120,462	112,560
Commercial Mortgages-Non-Owner Occupied [Member] | Monitor [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount		1,558	1,586
Commercial Mortgages-Non-Owner Occupied [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount		3,895	3,971
Commercial Mortgages-Non-Owner Occupied [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount		$ 940	1,058
Commercial Mortgages-Non-Owner Occupied [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount
Commercial Construction [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount		$ 13,299	10,379
Commercial Construction [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount		12,932	9,919
Commercial Construction [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount		$ 367	460
Commercial Construction [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount
Consumer Unsecured [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount		$ 6,861	5,760
Consumer Unsecured [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount		6,830	5,673
Consumer Unsecured [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount		$ 31	87
Consumer Unsecured [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount
Consumer Secured [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount		$ 74,670	70,620
Consumer Secured [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount		73,825	69,527
Consumer Secured [Member] | Monitor [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount		276	554
Consumer Secured [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount		50	136
Consumer Secured [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount		$ 519	403
Consumer Secured [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount
Residential Mortgages [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount		$ 50,013	44,944
Residential Mortgages [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount		47,180	41,578
Residential Mortgages [Member] | Monitor [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount			1,258
Residential Mortgages [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount			120
Residential Mortgages [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount		$ 2,833	1,988
Residential Mortgages [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount
Residential Consumer Construction [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount		$ 9,686	7,518
Residential Consumer Construction [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount		9,438	7,428
Residential Consumer Construction [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount		$ 248	$ 90
Residential Consumer Construction [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount
[1]	Includes net deferred loan costs of $263 and $330, respectively.

Loans and Allowance for loan 64

Loans and Allowance for loan losses (Loan modifications classified as TDR's) (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2015USD ($)contract	Dec. 31, 2014USD ($)contract
Financing Receivable, Modifications [Line Items]
Number of Contracts | contract		0
Commercial [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts | contract	1
Pre-Modification Oustanding Recorded Investment	$ 21
Post-Modifications Outstanding Recorded Investment		$ 21
Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts | contract	2
Pre-Modification Oustanding Recorded Investment	$ 456
Post-Modifications Outstanding Recorded Investment		$ 456

Other Real Estate Owned (Narrat

Other Real Estate Owned (Narrative) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Other Real Estate Owned [Line Items]
Other real estate owned	$ 1,965	$ 956	$ 1,451
Consumer [Member]
Other Real Estate Owned [Line Items]
Other real estate owned	0
Residential [Member]
Other Real Estate Owned [Line Items]
Other real estate owned	$ 0

Other Real Estate Owned (Change

Other Real Estate Owned (Changes In OREO Balance) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Other Real Estate Owned [Abstract]
Balance at the beginning of the year (net)	$ 956	$ 1,451
Transfers from Loans	1,425	473
Capitalized Costs	25
Write-downs to OREO expense	(75)	(167)
Sales	(360)	(780)
(Loss) on sales	(6)	(21)
Balance at the end of the year (net)	$ 1,965	$ 956

Other Real Estate Owned (Schedu

Other Real Estate Owned (Schedule Of OREO Expenses) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Other Real Estate Owned [Abstract]
Loss on sales	$ 6	$ 21
Write-downs	75	167
Expenses	41	18
Total	$ 122	$ 206

Premises And Equipment (Schedul

Premises And Equipment (Schedule of Property And Equipment) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Premises And Equipment [Abstract]
Land	$ 3,014	$ 3,014
Building and improvements	6,142	5,261
Construction in progress	877	877
Furniture and equipment	5,951	5,477
Leasehold improvements	1,611	1,579
Software	2,106	1,981
Gross property and equipment	19,701	18,189
Less accumulated depreciation	9,694	8,927
Net premises and equipment	10,007	9,262
Total depreciation expense	$ 767	$ 756

Deposits (Summary Of Deposit Ac

Deposits (Summary Of Deposit Accounts) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Deposits [Abstract]
Noninterest bearing	$ 91,325	$ 74,682
Interest bearing deposits	117,934	104,786
Savings	114,930	122,975
Time, $250,000 or more	25,190	8,785
Other time	118,231	88,269
Total deposits	$ 467,610	$ 399,497

Deposits (Schedule Of Time Depo

Deposits (Schedule Of Time Deposit Maturities) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Deposits [Abstract]
2,016	$ 63,960
2,017	25,954
2,018	33,377
2,019	10,187
2,020	9,943
Time Deposits, Total	143,421	$ 97,054
Related party deposits	$ 7,326	$ 2,241

Business Segments (Schedule of

Business Segments (Schedule of Segment Reporting Information, By Segment) (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2015USD ($)segment	Dec. 31, 2014USD ($)
Segment Reporting Information [Line Items]
Number of reportable segments | segment	2
Net interest income	$ 17,611	$ 16,404
Provision for loan losses	282	55
Net interest income after provision for loan losses	17,329	16,349
Noninterest income	4,193	3,587
Noninterest expenses	16,179	15,235
Income before income taxes	5,343	4,701
Income tax expense	1,651	1,288
Net Income	3,692	3,413
Total assets	527,143	460,865
Community Banking [Member]
Segment Reporting Information [Line Items]
Net interest income	17,611	16,404
Provision for loan losses	282	55
Net interest income after provision for loan losses	17,329	16,349
Noninterest income	1,866	1,857
Noninterest expenses	14,401	13,811
Income before income taxes	4,794	4,395
Income tax expense	1,464	1,184
Net Income	3,330	3,211
Total assets	525,077	459,804
Mortgage [Member]
Segment Reporting Information [Line Items]
Noninterest income	2,327	1,730
Noninterest expenses	1,778	1,424
Income before income taxes	549	306
Income tax expense	187	104
Net Income	362	202
Total assets	2,066	1,061
Parent Company [Member]
Segment Reporting Information [Line Items]
Income tax expense	(278)	(259)
Net Income	3,692	3,413
Total assets	$ 58,444	$ 44,776

Capital Notes (Details)

Capital Notes (Details) - USD ($) $ in Millions	3 Months Ended	12 Months Ended
	Sep. 30, 2012	Dec. 31, 2015
Debt Instrument [Line Items]
Duration of written notice to holders		30 days
2012 Notes [Member]
Debt Instrument [Line Items]
Capital notes issued	$ 10
Debt instrument, interest rate, stated percentage		6.00%
Debt instrument, maturity date		Apr. 1, 2017

Other Borrowings (Narrative) (D

Other Borrowings (Narrative) (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2015USD ($)
Short-term Debt [Line Items]
Reverse repurchase agreements	$ 5,000
Credit through FHLBA	105,493
Borrowed amount from FHLBA	30,000
Unsecured federal funds outstanding amount	0
Community Bankers Bank [Member]
Short-term Debt [Line Items]
Unsecured federal fund lines	11,000
Zions Bank [Member]
Short-term Debt [Line Items]
Unsecured federal fund lines	4,000
PNC Bank [Member]
Short-term Debt [Line Items]
Unsecured federal fund lines	6,000
Suntrust Bank [Member]
Short-term Debt [Line Items]
Unsecured federal fund lines	$ 3,000
Maximum [Member]
Short-term Debt [Line Items]
Period allowed to exchange securities pledged as collateral for funds	90 days
Minimum [Member]
Short-term Debt [Line Items]
Period allowed to exchange securities pledged as collateral for funds	30 days

Other Borrowings (Summary Of Sh

Other Borrowings (Summary Of Short Term Borrowings) (Details) - USD ($)	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Securities Sold Under Agreements To Repurchase [Member]
Short-term Debt [Line Items]
Balance at end of year		$ 3,189,000
Maximum month-end outstanding balance	$ 814,000	5,976,000
Average outstanding balance during the year	$ 184,000	$ 963,000
Average interest rate during the year	1.09%	0.93%
Average interest rate at end of year		0.96%
Federal Home Loan Bank Advances [Member]
Short-term Debt [Line Items]
Balance at end of year		$ 12,000,000
Maximum month-end outstanding balance	$ 12,000,000	12,000,000
Average outstanding balance during the year	$ 2,269	$ 2,082
Average interest rate during the year	1.23%	3.65%
Average interest rate at end of year		2.56%

Income Taxes (Schedule Of Incom

Income Taxes (Schedule Of Income Tax Expense) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Income Taxes [Abstract]
Current federal income tax expense	$ 1,725	$ 926
Deferred federal income tax (benefit) expense	(74)	362
Income Tax Expense	$ 1,651	$ 1,288

Income Taxes (Schedule Of Inc76

Income Taxes (Schedule Of Income Tax Expense Benefit After Federal Income Tax Rate) (Details) - USD ($) $ in Thousands	12 Months Ended		24 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2015
Income Taxes [Abstract]
Computed "expected" income tax expense	$ 1,817	$ 1,599
Increase (reduction) in income tax resulting from: Non-taxable income	(106)	(134)
Increase (reduction) in income tax resulting from: Non-deductible expenses	38	27
Tax credit investments	(98)	(204)
Income Tax Expense	$ 1,651	$ 1,288
U.S. Federal income tax rate			34.00%

Income Taxes (Schedule Of Defer

Income Taxes (Schedule Of Deferred Tax Assets And Liabilities) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Income Taxes [Abstract]
Allowance for loan losses	$ 881	$ 785
Unrealized loss on available-for-sale securities	305	201
OREO	124	169
Non-accrual interest	432	484
Other	64
Gross deferred tax assets	1,806	1,639
Depreciation	204	208
Other	203	210
Gross deferred tax liabilities	407	418
Net deferred tax asset	$ 1,399	$ 1,221

Earnings Per Common Share (EP78

Earnings Per Common Share (EPS) (Narrative) (Details) - shares	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Earnings Per Common Share (EPS) [Abstract]
Incremental shares excluded from calculating diluted EPS because their effect was anti-dilutive	636	69,372

Earnings Per Common Share (EP79

Earnings Per Common Share (EPS) (Earnings Per Share) (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Earnings Per Common Share (EPS) [Abstract]
Net income available to stockholders	$ 3,692	$ 3,413
Basic EPS weighted average shares outstanding	3,451,409	3,365,410
Diluted EPS weighted average shares outstanding	3,451,409	3,365,410
Basic earnings per common share	$ 1.07	$ 1.01
Diluted earnings per common share	$ 1.07	$ 1.01

Retirement Plans (Narrative) (D

Retirement Plans (Narrative) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Defined Benefit Plan Disclosure [Line Items]
Maximum contribution percentage of pretax annual compensation	19.00%
Defined contribution benefit plan, company contribution	$ 217	$ 148
Cash surrender values of life insurance policies	9,781	9,512
Supplemental Executive Retirement Plan [Member]
Defined Benefit Plan Disclosure [Line Items]
SERP expense	$ 187	$ 207

Stock Option Plan (Summary Of S

Stock Option Plan (Summary Of Stock Option Activity) (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Oct. 21, 2009
Stock Option Plan [Abstract]
Options outstanding, January 1, 2015, Shares	69,372
Exercised, Shares	(6,820)
Forfeited, Shares	(61,916)
Options outstanding, June 30, 2015, Shares	636	69,372
Options exercisable, June 30, 2015, Shares	636
Options outstanding, January 1, 2015, Weighted Average Exercise Price	$ 11.44
Exercised, Weighted Average Exercise Price	11.45
Forfeited, Weighted Average Exercise Price	11.42
Options outstanding, June 30, 2015, Weighted Average Exercise Price	12.79	$ 11.44
Options exercisable, June 30, 2015, Weighted Average Exercise Price	$ 12.79
Options outstanding, June 30, 2015, Weighted Average Remaining Contractual Life (in years)	2 years 5 months 1 day
Options exercisable, June 30, 2015, Weighted Average Remaining Contractual Life (in years)	2 years 5 months 1 day
Shares not granted			25,832
In-the-money options exercised	$ 10	$ 5

Stock Option Plan (Summarized I

Stock Option Plan (Summarized Information Concerning Currently Outstanding And Exercisable Options) (Details) - $ / shares	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]
Number of Options	636	69,372
Remaining Contractual Life	2 years 5 months 1 day
Weighted Average Exercise Price ($)	$ 12.79	$ 11.44
$12.79 [Member]
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]
Number of Options	636
Remaining Contractual Life	2 years 5 months 1 day
Weighted Average Exercise Price ($)	$ 12.79

Stockholders' Equity (Narrative

Stockholders' Equity (Narrative) (Details) - USD ($)	Dec. 03, 2015	Dec. 31, 2015	Oct. 31, 2015	Oct. 31, 2014
Class of Stock [Line Items]
Number of shares authorized to be repurchased				100,000
Number of shares repurchased during period			0
Proceeds from sale of common stock		$ 10,653,000
Common Stock Private Placement [Member]
Class of Stock [Line Items]
Proceeds from sale of common stock	$ 11,520,000
Common stock shares	1,000,000
Price per share	$ 11.52
Proceeds used to prepay Notes	$ 10,000,000

Regulatory Matters (Narrative)

Regulatory Matters (Narrative) (Details)	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Common equity tier 1 capital ratio	4.50%
Tier 1 capital ratio	6.00%	4.00%
Total capital ratio	8.00%	8.00%
Leverage ratio	4.00%	4.00%
Capital requirements phased period	5 years
Capital conservation buffer	0.625%
Capital conservation buffer, full implementation	2.50%
Common equity tier 1 capital ratio, full implementation	7.00%
Tier 1 capital ratio, full implementation	8.50%
Total capital ratio, full implementation	10.50%
Well-Capitalized ratio	6.50%
Tier 1 Capital well-capitalized ratio	8.00%	6.00%
Tier 1 leverage ratio	3.00%
Risk weight for loans	150.00%	100.00%
Credit conversion factor	20.00%	0.00%
Risk wieght for servicing rights and deferred tax assets	250.00%	100.00%
Maximum [Member]
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Risk weight for equity exposures	600.00%
Minimum [Member]
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Risk weight for equity exposures	0.00%

Regulatory Matters (Schedule Of

Regulatory Matters (Schedule Of Capital Ratios For The Bank) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Regulatory Matters [Abstract]
Total capital (to risk-weighted assets), Actual, Amount	$ 52,461	$ 48,165
Total capital (to risk-weighted assets), Actual, Ratio	11.76%	13.04%
Total capital (to risk-weighted assets), For Capital Adequacy Purposes, Amount	$ 35,696	$ 29,548
Total capital (to risk-weighted assets), For Capital Adequacy Purposes, Ratio	8.00%	8.00%
Total capital (to risk-weighted assets), To Be Well Capitalized Under Prompt Corrective Action Provisions, Amount	$ 44,620	$ 36,935
Total capital (to risk-weighted assets), To Be Well Capitalized Under Prompt Corrective Action Provisions, Ratio	10.00%	10.00%
Tier I capital (to risk-weighted assets), Actual, Amount	$ 47,778	$ 43,546
Tier I capital (to risk-weighted assets), Actual, Ratio	10.71%	11.79%
Tier I capital (to risk-weighted assets), For Capital Adequacy Purposes, Amount	$ 26,772	$ 14,774
Tier I capital (to risk-weighted assets), For Capital Adequacy Purposes, Ratio	6.00%	4.00%
Tier I capital (to risk-weighted assets), To Be Well Capitalized Under Prompt Corrective Action Provisions, Amount	$ 35,696	$ 22,161
Tier I capital (to risk-weighted assets), To Be Well Capitalized Under Prompt Corrective Action Provisions, Ratio	8.00%	6.00%
Common Equity Tier I capital (to risk-weighted assets), Actual, Amount	$ 47,778
Common Equity Tier I capital (to risk-weighted assets), Actual, Ratio	10.71%
Common Equity Tier I capital (to risk-weighted assets), For Capital Adequacy Purposes, Amount	$ 20,079
Common Equity Tier I capital (to risk-weighted assets), For Capital Adequacy Purposes, Ratio	4.50%
Common Equity Tier I capital (to risk-weighted assets), To Be Well Capitalized Under Prompt Corrective Action Provisions, Amount	$ 29,003
Common Equity Tier I capital (to risk-weighted assets), To Be Well Capitalized Under Prompt Corrective Action Provisions, Ratio	6.50%
Tier I capital (leverage) (to average assets), Actual, Amount	$ 47,778	$ 43,546
Tier I capital (leverage) (to average assets), Actual, Ratio	9.22%	9.63%
Tier I capital (leverage) (to average assets), For Capital Adequacy Purposes, Amount	$ 20,724	$ 18,091
Tier I capital (leverage) (to average assets), For Capital Adequacy Purposes, Ratio	4.00%	4.00%
Tier I capital (leverage) (to average assets), To Be Well Capitalized Under Prompt Corrective Action Provisions, Amount	$ 25,905	$ 22,614
Tier I capital (leverage) (to average assets), To Be Well Capitalized Under Prompt Corrective Action Provisions, Ratio	5.00%	5.00%

Contingent Liabilities (Narrati

Contingent Liabilities (Narrative) (Details) $ in Thousands	Aug. 01, 2009	Sep. 30, 2013item	Dec. 31, 2005item	Dec. 31, 2015USD ($)item	Dec. 31, 2014USD ($)
Contingent Liabilities [Line Items]
Total expense | $				$ 1,937
Rental expense | $				$ 528	$ 542
Banking Facility [Member]
Contingent Liabilities [Line Items]
Number of leases				4
Mortgage Production Office [Member]
Contingent Liabilities [Line Items]
Number of leases				1
Commercial Loan Production Office [Member]
Contingent Liabilities [Line Items]
Number of leases				1
615 Church Street [Member]
Contingent Liabilities [Line Items]
Period of lease	10 years
Remaining period on lease (in years)	3 years 6 months
828 Main Street [Member]
Contingent Liabilities [Line Items]
Period of lease				10 years
Number of renewals				2
Period of renewal (in years)				5 years
Period of lease after of renewal options (in years)				20 years
Remaining period on lease (in years)				8 years 6 months
Total expense | $				$ 4,277
828 Main Street [Member] | Board Member [Member]
Contingent Liabilities [Line Items]
Ownership interest in LLC				100.00%
4935 Boonsboro Road [Member]
Contingent Liabilities [Line Items]
Period of lease			5 years
Number of renewals			2
Period of renewal (in years)			5 years
Period of lease after of renewal options (in years)			15 years
Remaining period on lease (in years)			5 years
1430 Rolkin Court [Member]
Contingent Liabilities [Line Items]
Period of lease		5 years
Number of renewals		1
Period of renewal (in years)		5 years
Period of lease after of renewal options (in years)		10 years
Remaining period on lease (in years)		8 years
Number of option periods		1

Contingent Liabilities (Schedul

Contingent Liabilities (Schedule Of Current Minimum Annual Rental Commitments Under Non-Cancelable Leases) (Details) $ in Thousands	Dec. 31, 2015USD ($)
Operating Leases, Future Minimum Payments Due, Fiscal Year Maturity [Abstract]
2,016	$ 512
2,017	521
2,018	530
2,019	316
2,020	58
Total	$ 1,937

Financial Instruments With Of88

Financial Instruments With Off-Balance-Sheet Risk (Narrative) (Details) $ in Thousands	Dec. 31, 2015USD ($)
Loan Origination Commitments [Member]
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Fair value off balance sheet risks	$ 5,598
Loans Held For Sale [Member]
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Fair value off balance sheet risks	$ 1,964

Financial Instruments With Of89

Financial Instruments With Off-Balance-Sheet Risk (Summary Of Financial Instruments With Contract Amounts Representing Credit Risk) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Standby Letters of Credit [Member]
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Fair value off balance sheet risks	$ 3,097	$ 4,252
Commitments to Extend Credit [Member]
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Fair value off balance sheet risks	$ 90,809	$ 83,312

Concentration Of Credit Risk (D

Concentration Of Credit Risk (Details)	Dec. 31, 2015USD ($)item	Dec. 31, 2014USD ($)item
Concentration Risk [Line Items]
Accounts secured by FDIC	2	2
Uninsured cash balances | $	$ 3,058,000	$ 2,463,000
Cash amount covered by FDIC | $	$ 250,000
Community Bankers Bank [Member]
Concentration Risk [Line Items]
Accounts secured by FDIC	1	1
Suntrust Bank [Member]
Concentration Risk [Line Items]
Accounts secured by FDIC	1
Zions Bank [Member]
Concentration Risk [Line Items]
Accounts secured by FDIC	1

Fair Value Measurements (Fair V

Fair Value Measurements (Fair Value Assets Measured On Recurring Basis) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Securities available-for-sale, at fair value	$ 35,996	$ 24,395
Quoted Prices In Active Markets For Identical Assets (Level 1) [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Securities available-for-sale, at fair value
Significant Other Observable Inputs (Level 2) [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Securities available-for-sale, at fair value	$ 35,996	$ 24,395
Significant Unobservable Inputs (Level 3) [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Securities available-for-sale, at fair value
US Agency Obligations [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Securities available-for-sale, at fair value	$ 18,810	$ 13,498
US Agency Obligations [Member] | Quoted Prices In Active Markets For Identical Assets (Level 1) [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Securities available-for-sale, at fair value
US Agency Obligations [Member] | Significant Other Observable Inputs (Level 2) [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Securities available-for-sale, at fair value	$ 18,810	$ 13,498
US Agency Obligations [Member] | Significant Unobservable Inputs (Level 3) [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Securities available-for-sale, at fair value
Mortgage-Backed Securities [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Securities available-for-sale, at fair value	$ 10,647	$ 1,982
Mortgage-Backed Securities [Member] | Quoted Prices In Active Markets For Identical Assets (Level 1) [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Securities available-for-sale, at fair value
Mortgage-Backed Securities [Member] | Significant Other Observable Inputs (Level 2) [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Securities available-for-sale, at fair value	$ 10,647	$ 1,982
Mortgage-Backed Securities [Member] | Significant Unobservable Inputs (Level 3) [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Securities available-for-sale, at fair value
Municipals [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Securities available-for-sale, at fair value	$ 5,034	$ 7,899
Municipals [Member] | Quoted Prices In Active Markets For Identical Assets (Level 1) [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Securities available-for-sale, at fair value
Municipals [Member] | Significant Other Observable Inputs (Level 2) [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Securities available-for-sale, at fair value	$ 5,034	$ 7,899
Municipals [Member] | Significant Unobservable Inputs (Level 3) [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Securities available-for-sale, at fair value
Corporates [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Securities available-for-sale, at fair value	$ 1,505	$ 1,016
Corporates [Member] | Quoted Prices In Active Markets For Identical Assets (Level 1) [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Securities available-for-sale, at fair value
Corporates [Member] | Significant Other Observable Inputs (Level 2) [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Securities available-for-sale, at fair value	$ 1,505	$ 1,016
Corporates [Member] | Significant Unobservable Inputs (Level 3) [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Securities available-for-sale, at fair value

Fair Value Measurements (Impair

Fair Value Measurements (Impaired Loans And Other Real Estate Owned Measured At Fair Value On A Nonrecurring Basis) (Details) - USD ($) $ in Thousands		Dec. 31, 2015	Dec. 31, 2014
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Impaired loans	[1]	$ 2,896	$ 3,386
Loans held for sale		1,964	1,030
Other real estate owned		$ 1,965	956
Quoted Prices In Active Markets For Identical Assets (Level 1) [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Impaired loans	[1]
Loans held for sale
Other real estate owned
Significant Other Observable Inputs (Level 2) [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Loans held for sale		$ 1,964	1,030
Significant Unobservable Inputs (Level 3) [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Impaired loans	[1]	2,896	3,386
Other real estate owned		$ 1,965	$ 956
[1]	Includes loans charged down to the net realizable value of the collateral.

Fair Value Measurements (Inform

Fair Value Measurements (Information Regarding Quantitative Inputs Used To Value Assets Classified As Level 3) (Details) - Significant Unobservable Inputs (Level 3) [Member] - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Impaired Loans [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Assets, Fair Value	$ 2,896	$ 3
Impaired Loans [Member] | Maximum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Selling cost	10.00%	10.00%
Discount for lack of marketability and age of appraisal	45.00%	45.00%
Impaired Loans [Member] | Minimum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Selling cost	5.00%	5.00%
Discount for lack of marketability and age of appraisal	0.00%	0.00%
Impaired Loans [Member] | Weighted Average [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Selling cost	6.00%	6.00%
Discount for lack of marketability and age of appraisal	15.00%	15.00%
OREO [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Assets, Fair Value	$ 1,965	$ 956
OREO [Member] | Maximum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Selling cost	10.00%	10.00%
Discount for lack of marketability and age of appraisal	25.00%	25.00%
OREO [Member] | Minimum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Selling cost	5.00%	5.00%
Discount for lack of marketability and age of appraisal	0.00%	0.00%
OREO [Member] | Weighted Average [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Selling cost	6.00%	6.00%
Discount for lack of marketability and age of appraisal	15.00%	15.00%

Fair Value Measurements (Fair94

Fair Value Measurements (Fair Value Carrying And Notional Amounts) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and due from banks	$ 15,952	$ 12,743
Federal funds sold	12,703
Available-for-sale Securities	35,996	24,395
Held-to-Maturity, Fair Value	2,649	2,699
Restricted stock	1,313	1,739
Interest receivable	1,248	1,246
BOLI	9,781	9,512
Federal funds purchased		3,189
Interest payable	61	58
Quoted Prices In Active Markets For Identical Assets (Level 1) [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and due from banks	15,952	$ 12,743
Federal funds sold	$ 12,703
Available-for-sale Securities
FHLB borrowings		$ 10,000
Federal funds purchased		3,189
Significant Other Observable Inputs (Level 2) [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available-for-sale Securities	$ 35,996	24,395
Held-to-Maturity, Fair Value	2,649	2,699
Restricted stock	1,313	1,739
Loans held for sale	1,964	1,030
Interest receivable	1,248	1,246
BOLI	9,781	9,512
Deposits	468,773	400,351
FHLB borrowings		2,005
Capital notes	10,024	10,023
Interest payable	$ 61	$ 58
Significant Unobservable Inputs (Level 3) [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available-for-sale Securities
Loans, net	$ 438,322	$ 401,281
Carrying Amounts [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and due from banks	15,952	12,743
Federal funds sold	12,703
Available-for-sale Securities	35,996	24,395
Held-to-maturity	2,519	2,528
Restricted stock	1,313	1,739
Loans, net	430,445	394,573
Loans held for sale	1,964	1,030
Interest receivable	1,248	1,246
BOLI	9,781	9,512
Deposits	467,610	399,497
FHLB borrowings		12,000
Federal funds purchased		3,189
Capital notes	10,000	10,000
Interest payable	61	58
Fair Values [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and due from banks	15,952	12,743
Federal funds sold	12,703
Available-for-sale Securities	35,996	24,395
Held-to-Maturity, Fair Value	2,649	2,699
Restricted stock	1,313	1,739
Loans, net	438,322	401,281
Loans held for sale	1,964	1,030
Interest receivable	1,248	1,246
BOLI	9,781	9,512
Deposits	468,773	400,351
FHLB borrowings		12,005
Federal funds purchased		3,189
Capital notes	10,024	10,023
Interest payable	$ 61	$ 58

Condensed Financial Statement95

Condensed Financial Statements Of Parent Company (Condensed Balance Sheet Of Parent Company) (Details) - USD ($) $ / shares in Units, $ in Thousands	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Condensed Balance Sheet Statements, Captions [Line Items]
Taxes receivable	$ 1,096	$ 945
Other Assets	755	715
Total assets	527,143	460,865
Capital notes	10,000	10,000
Other Liabilities	1,276	1,345
Total liabilities	478,947	426,089
Common stock $2.14 par value	9,370	7,215
Additional paid-in-capital	31,495	22,919
Retained earnings	7,920	5,031
Accumulated other comprehensive (loss)	(589)	(389)
Total stockholders' equity	48,196	34,776	$ 29,772
Total liabilities and stockholders' equity	$ 527,143	$ 460,865
Common stock, par value	$ 2.14	$ 2.14
Parent Company [Member]
Condensed Balance Sheet Statements, Captions [Line Items]
Cash	$ 10,895	$ 1,375
Taxes receivable	332	225
Investments in subsidiaries	47,189	43,157
Other Assets	28	19
Total assets	58,444	44,776
Capital notes	10,000	10,000
Other Liabilities	248
Total liabilities	10,248	10,000
Common stock $2.14 par value	9,370	7,215
Additional paid-in-capital	31,495	22,919
Retained earnings	7,920	5,031
Accumulated other comprehensive (loss)	(589)	(389)
Total stockholders' equity	48,196	34,776
Total liabilities and stockholders' equity	$ 58,444	$ 44,776
Common stock, par value	$ 2.14

Condensed Financial Statement96

Condensed Financial Statements Of Parent Company (Condensed Statements Of Income Of Parent Company) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Condensed Income Statements, Captions [Line Items]
Interest on capital notes	$ 600	$ 600
Income tax (benefit)	1,651	1,288
Net Income	$ 3,692	$ 3,413
Parent Company [Member]
Condensed Income Statements, Captions [Line Items]
Income
Interest on capital notes	$ 600	$ 600
Legal and professional fees	126	103
Other expenses	92	58
Total expenses	818	761
Income tax (benefit)	(278)	(259)
(Loss) before equity in undistributed income of subsidiaries	(540)	(502)
Equity in undistributed income of subsidiaries	4,232	3,915
Net Income	$ 3,692	$ 3,413

Condensed Financial Statement97

Condensed Financial Statements Of Parent Company (Condensed Statements Of Cash Flows Of Parent Company) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Condensed Cash Flow Statements, Captions [Line Items]
Net Income	$ 3,692	$ 3,413
(Increase) decrease in income taxes receivable	(151)	(497)
(Increase) decrease in other assets	(154)	114
Net cash (used in) operating activities	3,347	5,625
Proceeds from exercise of stock options	78	65
Dividends paid to common stockholders	(803)	(506)
Proceeds from sale of 1,000,000 shares of common equity	10,653
Net cash provided by (used in) by financing activities	62,852	20,739
Increase (decrease) in cash and cash equivalents	15,912	(3,928)
Cash and cash equivalents at beginning of period	12,743	16,671
Cash and cash equivalents at end of period	28,655	12,743
Parent Company [Member]
Condensed Cash Flow Statements, Captions [Line Items]
Net Income	3,692	3,413
(Increase) decrease in income taxes receivable	(107)	(50)
(Increase) decrease in other assets	(9)	7
Increase (decrease) in other liabilities	248	(69)
Equity in undistributed net (income) of subsidiaries	(4,232)	(3,915)
Net cash (used in) operating activities	(408)	(614)
Proceeds from exercise of stock options	78	65
Dividends paid to common stockholders	(803)	(506)
Proceeds from sale of 1,000,000 shares of common equity	10,653
Net cash provided by (used in) by financing activities	9,928	(441)
Increase (decrease) in cash and cash equivalents	9,520	(1,055)
Cash and cash equivalents at beginning of period	1,375	2,430
Cash and cash equivalents at end of period	$ 10,895	$ 1,375