Bank of the James Financial (BOTJ) 10-Q 14 Nov 16 2016 Q3 Quarterly report Financial data

Document And Entity Information

Document And Entity Information - shares	9 Months Ended
	Sep. 30, 2016	Nov. 04, 2016
Document And Entity Information [Abstract]
Document Type	10-Q
Amendment Flag	false
Document Period End Date	Sep. 30, 2016
Document Fiscal Period Focus	Q3
Document Fiscal Year Focus	2,016
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

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($)	Sep. 30, 2016	Dec. 31, 2015
Assets
Cash and due from banks	$ 16,206,000	$ 15,952,000
Federal Funds Sold	9,725,000	12,703,000
Total cash and cash equivalents	25,931,000	28,655,000
Securities held-to-maturity (fair value of $3,425 in 2016 and $2,649 in 2015)	3,304,000	2,519,000
Securities available-for-sale, at fair value	39,922,000	35,996,000
Restricted stock, at cost	1,373,000	1,313,000
Loans, net of allowance for loan losses of $4,953 in 2016 and $4,683 in 2015	457,136,000	430,445,000
Loans held for sale	3,048,000	1,964,000
Premises and equipment, net	10,180,000	10,007,000
Interest receivable	1,307,000	1,248,000
Cash value - bank owned life insurance	12,586,000	9,781,000
Other real estate owned, net of valuation allowance	2,370,000	1,965,000
Income taxes receivable	1,226,000	1,096,000
Deferred tax asset, net	1,083,000	1,399,000
Other assets	486,000	755,000
Total assets	559,952,000	527,143,000
Deposits
Noninterest bearing demand	102,547,000	91,325,000
NOW, money market and savings	240,885,000	232,864,000
Time	163,965,000	143,421,000
Total deposits	507,397,000	467,610,000
Capital notes		10,000,000
Interest payable	77,000	61,000
Other liabilities	1,463,000	1,276,000
Total liabilities	508,937,000	478,947,000
Commitments and Contingencies
Stockholders' equity
Preferred stock; authorized 1,000,000 shares; none issued and outstanding as of September 30, 2016 and December 31, 2015
Common stock $2.14 par value; authorized 10,000,000 shares; issued and outstanding 4,378,436 as of September 30, 2016 and December 31, 2015	9,370,000	9,370,000
Additional paid-in-capital	31,495,000	31,495,000
Retained earnings	10,126,000	7,920,000
Accumulated other comprehensive income (loss)	24,000	(589,000)
Total stockholders' equity	51,015,000	48,196,000
Total liabilities and stockholders' equity	$ 559,952,000	$ 527,143,000

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Thousands	Sep. 30, 2016	Dec. 31, 2015
Consolidated Balance Sheets [Abstract]
Securities held-to-maturity, fair value	$ 3,425	$ 2,649
Loans, allowance for loan losses	$ 4,953	$ 4,683
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	4,378,436
Common stock, shares outstanding	4,378,436	4,378,436

Consolidated Statements Of Inco

Consolidated Statements Of Income - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2016	Sep. 30, 2015	Sep. 30, 2016	Sep. 30, 2015
Interest Income
Loans	$ 5,227	$ 4,968	$ 15,212	$ 14,354
Securities
US Government and agency obligations	104	144	368	427
Mortgage backed securities	46	30	166	58
Municipals - taxable	63	29	132	76
Municipals - taxable exempt	10	10	31	31
Dividends	6	6	39	40
Other (Corporates)	4	2	13	5
Interest bearing deposits	13	3	28	9
Federal Funds sold	4	3	16	12
Total interest income	5,477	5,195	16,005	15,012
Deposits
NOW, money market savings	153	130	428	375
Time Deposits	457	423	1,268	1,146
Federal Funds purchased		1	4	2
FHLB borrowings				28
Capital notes		150	8	450
Total interest expense	610	704	1,708	2,001
Net interest income	4,867	4,491	14,297	13,011
Provision for loan losses	145	120	595	277
Net interest income after provision for loan losses	4,722	4,371	13,702	12,734
Noninterest income
Gain on sales of loans held for sale, net	593	623	1,765	1,759
Service charges, fees and commissions	373	397	1,107	1,063
Increase in cash value of life insurance	75	68	205	204
Other	31	100	91	154
Gain on sales of available-for-sale securities, net	209	10	437	43
Total Non-interest income	1,281	1,198	3,605	3,223
Noninterest expenses
Salaries and employee benefits	2,318	2,135	6,717	6,346
Occupancy	333	302	970	903
Equipment	316	360	949	963
Supplies	119	100	346	304
Professional, data processing, and other outside expense	696	591	2,059	1,637
Marketing	178	97	498	321
Credit expense	110	94	299	230
Other real estate expenses	52	63	57	100
FDIC insurance expense	92	87	275	240
Other	235	289	723	689
Total non-interest expenses	4,449	4,118	12,893	11,733
Income before income taxes	1,554	1,451	4,414	4,224
Income tax expense	499	468	1,421	1,357
Net Income	$ 1,055	$ 983	$ 2,993	$ 2,867
Weighted average common shares outstanding - basic	4,378,436	3,371,616	4,378,436	3,371,616
Weighted average common shares outstanding- diluted	4,378,436	3,371,616	4,378,436	3,371,616
Earnings per common share - basic	$ 0.24	$ 0.29	$ 0.68	$ 0.85
Earnings per common share - diluted	$ 0.24	$ 0.29	$ 0.68	$ 0.85

Consolidated Statements Of Comp

Consolidated Statements Of Comprehensive Income - USD ($) $ in Thousands		3 Months Ended		9 Months Ended
		Sep. 30, 2016	Sep. 30, 2015	Sep. 30, 2016	Sep. 30, 2015
Consolidated Statements Of Comprehensive Income [Abstract]
Net Income		$ 1,055	$ 983	$ 2,993	$ 2,867
Other comprehensive income (loss):
Unrealized gains (losses) on securities available-for-sale		(293)	570	1,366	125
Unrealized gains on securities available-for-sale, Tax effect		100	(194)	(465)	(42)
Reclassification adjustment for gains included in net income	[1]	(209)	(10)	(437)	(43)
Reclassification adjustment for gains included in net income, Tax effect	[2]	71	4	149	15
Other comprehensive income (loss), net of tax		(331)	370	613	55
Comprehensive income		$ 724	$ 1,353	$ 3,606	$ 2,922
[1]	Gains are included in "gain on sales 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 Cash

Consolidated Statements Of Cash Flows - USD ($) $ in Thousands	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2016	Sep. 30, 2015	Sep. 30, 2016	Sep. 30, 2015	Dec. 31, 2015
Cash flows from operating activities
Net Income	$ 1,055	$ 983	$ 2,993	$ 2,867
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization			579	571
Net amortization and accretion of premiums and discounts on securities			419	69
(Gain) on sales of available for-sale-securities	(209)	(10)	(437)	(43)
(Gain) on call of held to maturity securities			(7)
(Gain) on sales of loans held for sale	(593)	(623)	(1,765)	(1,759)
Provision for loan losses	145	120	595	277	$ 282
(Gain) on sale of other real estate owned			(1)		6
Impairment of other real estate owned			50	75	75
(Increase) in cash value of life insurance	(75)	(68)	(205)	(204)
(Increase) decrease in interest receivable			(59)	22
Decrease (increase) in other assets			269	(287)
(Increase) decrease in income taxes receivable			(130)	6
Increase in interest payable			16	18
Increase in other liabilities			187	20
Proceeds from sales of loans held for sale			62,491	61,598
Origination of loans held for sale			(61,810)	(62,632)
Net cash provided by operating activities			3,185	598
Cash flows from investing activities
Purchases of securities held to maturity			(1,290)
Proceeds from maturities and calls of securities held-to-maturity			500
Purchases of securities available-for-sale			(31,576)	(20,257)
Proceeds from maturities, calls and paydowns of securities available-for-sale			8,675	1,206
Proceeds from sale of securities available-for-sale			19,934	10,385
Purchase of bank owned life insurance			(2,600)
(Purchase) redemption of Federal Home Loan Bank stock			(60)	426
Improvements to other real estate owned				(25)	(25)
Origination of loans, net of principal collected			(27,761)	(33,979)
Purchases of premises and equipment			(752)	(537)
Proceeds from sale of other real estate owned			21	66
Net cash (used in) investing activities			(34,909)	(42,715)
Cash flows from financing activities
Net increase in deposits			39,787	59,159
Net (decrease) in federal funds purchased				(2,829)
Net (decrease) in Federal Home Loan Bank advances				(12,000)
Dividends paid to common stockholders			(787)	(540)
Retirement of capital notes			(10,000)
Net cash provided by financing activities			29,000	43,790
(Decrease) increase in cash and cash equivalents			(2,724)	1,673
Cash and cash equivalents at beginning of period			28,655	12,743	12,743
Cash and cash equivalents at end of period	$ 25,931	$ 14,416	25,931	14,416	28,655
Non cash transactions
Transfer of loans to other real estate owned			475	1,425	$ 1,425
Fair value of adjustment for securities			929	82
Cash transactions
Cash paid for interest			1,692	1,983
Cash paid for taxes			$ 1,550	$ 1,350

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 (Loss) [Member]	Total
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			2,867		2,867
Dividends on common stock			(540)		(540)
Other Comprehensive Income				55	55
Balance at Sep. 30, 2015	$ 7,215	22,919	7,358	(334)	37,158
Balance, shares at Sep. 30, 2015	3,371,616
Balance at Dec. 31, 2015	$ 9,370	31,495	7,920	(589)	48,196
Balance, shares at Dec. 31, 2015	4,378,436
Net Income			2,993		2,993
Dividends on common stock			(787)		(787)
Other Comprehensive Income				613	613
Balance at Sep. 30, 2016	$ 9,370	$ 31,495	$ 10,126	$ 24	$ 51,015
Balance, shares at Sep. 30, 2016	4,378,436

Consolidated Statements Of Cha8

Consolidated Statements Of Changes In Stockholders' Equity (Parenthetical) - $ / shares	9 Months Ended
	Sep. 30, 2016	Sep. 30, 2015
Consolidated Statements Of Changes In Stockholders' Equity [Abstract]
Dividend on common stock, per share	$ 0.18	$ 0.10

Basis Of Presentation

Basis Of Presentation	9 Months Ended
	Sep. 30, 2016
Basis Of Presentation [Abstract]
Basis Of Presentation	Note 1 – Basis of Presentation The unaudited consolidated financial statements have been prepared by Bank of the James Financial Group, Inc. (“Financial” or the “Company”) pursuant to the rules and regulations of the Securities and Exchange Commission. In management’s opinion the accompanying financial statements, which unless otherwise noted are unaudited, reflect all adjustments, consisting solely of normal recurring accruals, necessary for a fair presentation of the financial information as of September 30, 2016 and for the three and nine months ended September 30, 2016 and 2015 in conformity with accounting principles generally accepted in the United States of America. Additional information concerning the organization and business of Financial, accounting policies followed, and other related information is contained in Financial’s Annual Report on Form 10-K for the year ended December 31, 2015. These financial statements should be read in conjunction with the audited consolidated financial statements and footnotes for the year ended December 31, 2015 included in Financial’s Annual Report on Form 10-K. Results for the three and nine month periods ended September 30, 2016 are not necessarily indicative of the results that may be expected for the year ending December 31, 2016. The Company’s primary market area consists of the area commonly referred to as Region 2000 which encompasses the seven jurisdictions of the Town of Altavista, Amherst County, Appomattox County, the Town of Bedford, Bedford County, Campbell County, and the City of Lynchburg. Recently, the Company has expanded into Charlottesville, Roanoke, and Harrisonburg. Financial’s critical accounting policy relates to the evaluation of the allowance for loan losses which is bas ed on management’s estimate of an amount that is adequate to absorb probable losses inherent in the loan portfolio of Bank of the James (the “Bank”), Financial’s wholly-owned subsidiary. The allowance for loan losses is established through a provision for loan loss based on available information including the composition of the loan portfolio, historical loan losses, specific impaired loans, availability and quality of collateral, age of the various portfolios, changes in local economic conditions, and loan performance and quality of the portfolio. Different assumptions used in evaluating the adequacy of the Bank’s allowance for loan losses could result in material changes in Financial’s financial condition and results of operations. The Bank’s policies with respect to the methodology for determining the allowance for loan losses involve a higher degree of complexity and require management to make subjective judgments that often require assumptions or estimates about uncertain matters. These critical policies and their assumptions are periodically reviewed with the Board of Directors.

Use Of Estimates

Use Of Estimates	9 Months Ended
	Sep. 30, 2016
Use Of Estimates [Abstract]
Use Of Estimates	 Note 2 – Use of Estimates The consolidated financial statements are prepared in accordance with accounting principles generally accepted in the United States of America which require management to make estimates and assumptions that affect the amounts reported in the financial statements and accompanying notes. Actual results could differ from those estimates.

Earnings Per Common Share (EPS)

Earnings Per Common Share (EPS)	9 Months Ended
	Sep. 30, 2016
Earnings Per Common Share (EPS) [Abstract]
Earnings Per Common Share (EPS)	Note 3 – Earnings Per Common Share (EPS) Currently, only the option shares granted to certain officers and other employees of Financial pursuant to the Amended and Restated Stock Option Plan of 1999 Financial (the “1999 Plan”) are considered in calculating diluted earnings per share. The following is a summary of the earnings per share calculation for the three and nine months ended September 30, 2016 and 201 5 . Note 3 – Earnings Per Share (continued)     Three Months Ended Nine Months Ended  September 30, September 30,  2016 2015 2016 2015   Net income $ 1,055,000 $ 983,000 $ 2,993,000 $ 2,867,000   Basic EPS weighted average shares outstanding 4,378,436 3,371,616 4,378,436 3,371,616  Incremental shares attributable to stock options - - - -   Diluted EPS weighted average shares outstanding 4,378,436 3,371,616 4,378,436 3,371,616    Basic earnings per common share $ 0.24 $ 0.29 $ 0.68 $ 0.85   Diluted earnings per common share $ 0.24 $ 0.29 $ 0.68 $ 0.85  The following table sets forth the option shares that were not included in calculating the diluted earnings because their effect was anti-dilutive:    Three Months Ended Nine Months E nded  September 30 , September 30 ,  201 6 201 5 201 6 201 5  Options excluded from calculating diluted EPS because their effect was anti-dilutive 636 66,313 636 66,313   The foregoing shares were anti-dilutive because the exercise price of the options was greater than the market price on September 30, 2016 and 2015.

Stock Based Compensation

Stock Based Compensation	9 Months Ended
	Sep. 30, 2016
Stock Based Compensation [Abstract]
Stock Based Compensation	 Note 4 – Stock Based Compensation Accounting standards require companies to recognize the cost of employee services received in exchange for awards of equity instruments, such as stock options and restricted stock, based on the fair value of those awards at the date of grant. Note 4 – Stock Based Compensation (continued) Stock option plan activity for the nine months ended September 30, 2016 is summarized below:    Weighted  Weighted Average  Average Remaining  Exercise Contractual Intrinsic  Shares Price Life (in years) Value   Options outstanding, January 1, 2016 636 $ 12.79  Granted - -  Exercised - -  Forfeited - -  Options outstanding, September 30, 2016 636 12.79 1.67 $ -  Options exercisable, September 30, 2016 636 $ 12.79 1.67 $ - Intrinsic value is calculated by subtracting the exercise price of option shares from the market price of underlying shares as of September 30, 2016 and multiplying that amount by the number of options outstanding. No intrinsic value exists where the exercise price is greater than the market price on a given date. All compensation expense related to the foregoing stock option plan has been recognized. The Company’s ability to grant additional options shares under the 1999 Plan has expired.

Fair Value Measurements

Fair Value Measurements	9 Months Ended
	Sep. 30, 2016
Fair Value Measurements [Abstract]
Fair Value Measurements	Note 5 – 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 5 – 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: Fair Value on a Recurring Basis Securities Available-for-Sale 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 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. Note 5 – Fair Value Measurements (continued)   Carrying Value at September 30, 2016 (in thousands ) Description Balance as of September 30 , 201 6 Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3)  US agency obligations $14,096 $ - $14,096 $ -  Mortgage-backed securities 12,927 - 12,927 -  Municipals 10,282 - 10,282 -  Corporates 2,617 2,617   Total available-for-sale securities $39,922 $ - $39,922 $ -  Carrying Value at December 31, 201 5 (in thousands) Description 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)  US 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 $ - Fair Value on a Non-recurring Basis Impaired loans 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 (Level 2). However, if the collateral is a house or building in the process of construction or if an appraisal of the real estate property is over one year old, then the fair value is considered Level 3. The value of business equipment is based upon an outside appraisal if deemed significant, or the net book value on the applicable business’ financial statements if not considered significant using observable market data. Likewise, values for inventory and accounts receivables collateral are based on financial statement balances or aging reports (Level 3). Any fair value adjustments are recorded in the period incurred as provision for loan losses on the Consolidated Statements of Income. Note 5 – Fair Value Measurements (continued) Loans held for sale Loans held for sale are carried at cost which approximates estimated fair value. These loans currently consist of one-to-four family residential loans originated for sale in the secondary market. Fair value is based on the price secondary markets are currently offering for similar loans using observable market data which is not materially different than cost due to the short duration between origination and sale (Level 2). As such, the Company records fair value adjustments on a nonrecurring basis. No nonrecurring fair value adjustments were recorded on loans held for sale during the period ended September 30, 2016. Gains and losses on the sale of loans are recorded within gains on sales of loans held for sale, net on the Consolidated Statements of Income. 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 OREO. The measurement of loss associated with OREO is based on the fair value of the collateral compared to the unpaid loan balance and anticipated costs to sell the property. 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. Any fair value adjustments are recorded in the period incurred and expensed against current earnings. The carrying values of all OREO properties are considered to be Level 3. The following table summarizes the Company’s impaired loans, loans held for sale, and OREO measured at fair value on a nonrecurring basis during the period (in thousands).   Carrying Value at September 30, 2016 Description Balance as of September 30, 2016 Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3)  Impaired loans* $2,540 $ - $ - $2,540  Loans held for sale 3,048 - 3,048 -  Other real estate owned 2,370 - - 2,370 * Includes loans charged down to the net realizable value of the collateral.   Carrying Value at December 31, 201 5 Description Balance as of December 31, 2015 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 owned 1,965 - - 1,965 * Includes loans charged down to the net realizable value of the collateral.  Note 5 – Fair Value Measurements (continued) The following table sets forth information regarding the quantitative inputs used to value assets classified as Level 3:   Quantitative information about Level 3 Fair Value Measurements for September 30, 2016 (dollars in thousands)  Fair Value Valuation Te chnique(s) Unobservable Input Range (Weighted Average) Assets  Impaired loans $2,540 Discounted appraised value Selling cost 5 % - 10 % ( 6 %)  Discount for lack of marketability and age of appraisal 0 % - 25 % ( 15 %)   OREO 2,370 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 December 31, 2015 (dollars in thousands)  Fair Value Valuation Te chnique(s) Unobservable Input Range (Weighted Average) Assets  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% ) Financial Instruments Cash, cash equivalents and Federal Funds sold The carrying amounts of cash and short-term instruments approximate fair values. 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.  Bank Owned Life Insurance (BOLI) The carrying amount approximates fair value. The carrying values of all BOLI is considered to be Level 2. Note 5 – Fair Value Measurements (continued) 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. 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 September 30, 2016 and December 31, 2015 and therefore are not included in the table below. Note 5 – Fair Value Measurements (continued) The estimated fair values, and related carrying or notional amounts, of Financial’s financial instruments are as follows (in thousands):   Fair Value Measurements at September 30, 2016 using  Quoted Prices Significant  in Active Other Significant  Markets for Observable Unobservable  Carrying Identical Assets Inputs Inputs Assets Amounts (Level 1) (Level 2) (Level 3) Balance  Cash and due from banks $16,206 $16,206 $ - $ - $16,206  Fed funds sold 9,725 9,725 9,725  Securities  Available-for-sale 39,922 - 39,922 - 39,922  Held-to-maturity 3,304 - 3,425 - 3,425  Restricted stock 1,373 1,373 1,373  Loans, net 457,136 - - 465,182 465,182  Loans held for sale 3,048 - 3,048 - 3,048  Interest receivable 1,307 - 1,307 - 1,307  BOLI 12,586 - 12,586 - 12,586   Liabilities  Deposits $507,397 $ - $510,504 $ - $510,504  Interest payable 77 - 77 - 77    Fair Value Measurements at December 31, 2015 using  Quoted Prices Significant  in Active Other Significant  Markets for Observable Unobservable  Carrying Identical Assets Inputs Inputs Assets 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   Note 5 – 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 Financial’s entire holdings of a particular financial instrument. Because no market exists for a significant portion of Financial’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 Financial. 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 Financial’s overall interest rate risk.

Capital Notes

Capital Notes	9 Months Ended
	Sep. 30, 2016
Capital Notes [Abstract]
Capitol Notes	Note 6 – Capital Notes As of December 31, 2015 , Financial had $10,000,000 categorized as “Capital Notes” which represents the proceeds of the private placement of $10,000,000 in unregistered debt securities as previously disclosed (the “2012 Notes”). The 2012 Notes bore interest at the rate of 6% per year with interest payable quarterly in arrears. 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 on January 5, 2016.

Securities

Securities	9 Months Ended
	Sep. 30, 2016
Securities [Abstract]
Securities	Note 7 - Securities The following tables summarize the Bank’s holdings for both securities held-to-maturity and securities available-for-sale as of September 30, 2016 and December 31, 2015 (amounts in thousands):   September 30, 2016  Amortized Gross Unrealized Fair Value  Costs Gains (Losses) Held-to-Maturity  US agency obligations $3,304 $121 $ - $3,425  Available-for-Sale  US agency obligations 14,372 10 (286) 14,096  Mortgage-backed securities 12,809 125 (7) 12,927  Municipals 10,078 256 (52) 10,282  Corporates 2,627 2 (12) 2,617  $39,886 $393 $(357) $39,922   December 31, 2015  Amortized Gross Unrealized Fair Value  Costs Gains (Losses) Held-to-Maturity  US agency obligations $2,519 $130 $ - $2,649  Available-for-Sale  US 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 Note 7 – Securities (continued) 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, at September 30, 2016 and December 31, 2015 (amounts in thousands):   Less than 12 months More than 12 months Total  Fair Unrealized Fair Unrealized Fair Unrealized September 30, 2016 Value Losses Value Losses Value Losses Description of securities  U.S. agency obligations $13,077 $286 $ - $ - $13,077 $286 Mortgage-backed securities 3,461 7 - - 3,461 7  Municipals 3,964 52 - - 3,964 52  Corporates 2,087 12 - - 2,087 12  Total $22,589 $357 $ - $ - $22,589 $357   Less than 12 months More than 12 months Total  Fair Unrealized Fair Unrealized Fair Unrealized December 31, 2015 Value Losses Value Losses Value Losses Description of securities  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  Municipals 2,341 25 503 9 2,844 34  Corporates 1,505 16 - - 1,505 16  Total $17,732 $471 $13,132 $513 $30,864 $984  Management evaluates securities for other-than-temporary impairment at least on a quarterly basis, and may do so more frequently when economic or market concerns warrant such evaluation. Consideration is given to (1) the length of time and the extent to which the fair value has been less than cost, (2) the financial condition and near-term prospects of the issuer, (3) the intent of Financial, if any, to sell the security; (4) whether Financial more likely than not will be required to sell the security before recovering its cost; and (5) whether Financial does not expect to recover the security’s entire amortized cost basis (even if Financial does not intend to sell the security). At September 30, 2016, the Company did not consider the unrealized loss es as other-than-temporary loss es due to the nature of the securities involved. As of September 30, 2016, the Bank owned 18 securities that were being evaluated for other than temporary impairment. Six of these securities were S &P rated AAA, 11 were rated AA and one was rated A. A s of September 30, ten of these securities were direct obligations of the U.S. government or government sponsored entities, six were municipal issues, and two were investments in domestic corporate issued securities. Based on the analysis performed by management as mandated by the Bank’s investment policy, management believes the default risk to be minimal. Because the Bank expects to recover the entire amortized cost basis, no declines currently are deemed to be other-than-temporary.

Business Segments

Business Segments	9 Months Ended
	Sep. 30, 2016
Business Segments [Abstract]
Business Segments	Note 8 – 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 and other areas within Central Virginia. 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 with servicing released. 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 gain on sale 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. Information about reportable business segments and reconciliation of such information to the consolidated financial statements for the three and nine months ended September 30, 2016 and 2015 was as follows (dollars in thousands): Note 8 – Business Segments (continued)       Business Segments   Community  Banking Mortgage Total  Nine months ended September 30, 2016  Net interest income $ 14,297 $ - $ 14,297  Provision for loan losses 595 - 595  Net interest income after provision for loan losses 13,702 - 13,702  Noninterest income 1,816 1,789 3,605  Noninterest expenses 11,466 1,427 12,893  Income before income taxes 4,052 362 4,414  Income tax expense 1,298 123 1,421  Net income $ 2,754 $ 239 $ 2,993  Total assets $ 556,824 $ 3,128 $ 559,952   Nine months ended September 30, 2015  Net interest income $ 13,011 $ - $ 13,011  Provision for loan losses 277 - 277  Net interest income after provision for loan losses 12,734 - 12,734  Noninterest income 1,428 1,795 3,223  Noninterest expenses 10,390 1,343 11,733  Income before income taxes 3,772 452 4,224  Income tax expense 1,203 154 1,357  Net income $ 2,569 $ 298 $ 2,867  Total assets $ 503,741 $ 3,874 $ 507,615   Community  Banking Mortgage Total  Three months ended September 30, 2016  Net interest income $ 4,867 $ - $ 4,867  Provision for loan losses 145 - 145  Net interest income after provision for loan losses 4,722 - 4,722  Noninterest income 688 593 1,281  Noninterest expenses 3,985 464 4,449  Income before income taxes 1,425 129 1,554  Income tax expense 455 44 499  Net income $ 970 $ 85 $ 1,055  Total assets $ 556,824 $ 3,128 $ 559,952   Three months ended September 30, 2015  Net interest income $ 4,491 $ - $ 4,491  Provision for loan losses 120 - 120  Net interest income after provision for loan losses 4,371 - 4,371  Noninterest income 561 637 1,198  Noninterest expenses 3,613 505 4,118  Income before income taxes 1,319 132 1,451  Income tax expense 423 45 468  Net income $ 896 $ 87 $ 983  Total assets $ 503,741 $ 3,874 $ 507,615 

Loans, Allowance For Loan Losse

Loans, Allowance For Loan Losses and OREO	9 Months Ended
	Sep. 30, 2016
Loans, Allowance For Loan Losses and OREO [Abstract]
Loans, Allowance For Loan Losses and OREO	 Note 9 – Loans, allowance for loan losses and OREO 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 into classes, based on the associated risks. 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  A summary of loans, net is as follows (dollars in thousands):   As of:  September 30, December 31,  2016 2015   Commercial $85,330 $76,773  Commercial real estate 228,689 217,125  Consumer 84,148 81,531  Residential 63,922 59,699   Total loans (1) 462,089 435,128   Less allowance for loan losses 4,953 4,683   Net loans $457,136 $430,445 (1) Includes deferred costs of $199 and $263 , respectively. 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. Note 9 – Loans, allowance for loan losses and OREO (continued) 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 We segregate loans into the above categories based on the following criteria and we review the characteristics of each rating at least annually, generally during the first quarter. The characteristics of these ratings are as follows: · “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 provides 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 possibility of loss is extremely high. Note 9 – Loans, allowance for loan losses and OREO (continued) · “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.   Loans on Non-Accrual Status  ( dollars in thousands )  As of  September 30, 2016 December 31, 2015  Commercial $369 $483 Commercial Real Estate:  Commercial Mortgages-Owner Occupied 859 799  Commercial Mortgages-Non-Owner Occupied - 514  Commercial Construction 256 367 Consumer  Consumer Unsecured - 31  Consumer Secured 27 269 Residential:  Residential Mortgages 853 695  Residential Consumer Construction 71 248   Totals $2,435 $3,406 We also classify other real estate owned (OREO) as a nonperforming asset. OREO represents real property owned by the Bank either through purchase at foreclosure or received from the borrower through a deed in lieu of foreclosure. OREO increased to $2,370,000 on September 30, 2016 from $1,965,000 on December 31, 2015 . The following table represents the changes in OREO balance during the nine months ended September 30, 2016 and year ended December 31, 2015.  OREO Changes ( dollars in thousands )  Nine months ended Year ended  September 30, 2016 December 31, 2015  Balance at the beginning of the year (net) $1,965 $956  Transfers from loans 475 1,425  Capitalized costs - 25  Writedowns (50) (75)  Sales proceeds (21) (360)  Gain (loss) on disposition 1 (6)  Balance at the end of the period (net) $2,370 $1,965  At September 30, 2016 and December 31, 2015, the Company had no consumer mortgage loan secured by residential real estate for which foreclosure was in process. The Company held one residential real estate property in other real estate owned as of September 30, 2016 and no residential real estate property in other real estate owned as of December 31, 2015. Note 9 – Loans, allowance for loan losses and OREO (continued)  Impaired Loans  ( dollars in thousands)  As of and For the Nine Months Ended September 30, 2016  Unpaid Average Interest  Recorded Principal Related Recorded Income 2016 Investment Balance Allowance Investment Recognized With No Related Allowance Recorded:  Commercial $528 $528 $ - $264 $23 Commercial Real Estate  Commercial Mortgages-Owner Occupied 3,042 3,088 - 3,062 108  Commercial Mortgage Non-Owner Occupied 352 352 - 265 18  Commercial Construction - - - 14 - Consumer  Consumer Unsecured - - - - -  Consumer Secured 19 19 - 20 1  Residential  Residential Mortgages 1,741 1,795 - 1,869 51  Residential Consumer Construction - - - 86 -  With An Allowance Recorded:  Commercial $986 $1,081 $535 $1,083 $25 Commercial Real Estate  Commercial Mortgages-Owner Occupied 1,598 1,619 260 1,238 65  Commercial Mortgage Non-Owner Occupied 75 75 20 374 4  Commercial Construction 169 647 75 255 - Consumer  Consumer Unsecured - - - 16 -  Consumer Secured 111 111 111 151 6 Residential  Residential Mortgages 451 478 72 551 19  Residential Consumer Construction - - - - -  Totals:  Commercial $1,514 $1,609 $535 $1,347 $48 Commercial Real Estate  Commercial Mortgages-Owner Occupied 4,640 4,707 260 4,300 173  Commercial Mortgage Non-Owner Occupied 427 427 20 639 22  Commercial Construction 169 647 75 269 - Consumer  Consumer Unsecured - - - 16 -  Consumer Secured 130 130 111 171 7 Residential  Residential Mortgages 2,192 2,273 72 2,420 70  Residential Consumer Construction - - - 86 -  $9,072 $9,793 $1,073 $9,248 $320  Note 9 – Loans, allowance for loan losses and OREO (continued)   Impaired Loans  ( dollars in thousands)  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 $610 $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 9 – Loans, allowance for loan losses and OREO (continued)   Allowance for Loan Losses and Recorded Investment in Loans ( dollars in thousands) As of and For the Nine Months Ended September 30, 2016   Commercial 2016 Commercial Real Estate Consumer Residential Total  Allowance for Loan Losses:  Beginning Balance $1,195 $1,751 $1,073 $664 $4,683  Charge-offs (97) (156) (239) - (492)  Recoveries 5 126 35 1 167  Provision 392 332 53 (182) 595  Ending Balance $1,495 $2,053 $922 $483 $4,953   Ending Balance: Individually evaluated for impairment $535 $355 $111 $72 $1,073   Ending Balance: Collectively evaluated for impairment 960 1,698 811 411 3,880    Totals: $1,495 $2,053 $922 $483 $4,953  Loans:   Ending Balance: Individually evaluated for impairment $1,514 $5,236 $130 $2,192 $9,072   Ending Balance: Collectively evaluated for impairment 83,816 223,453 84,018 61,730 453,017   Totals: $85,330 $228,689 $84,148 $63,922 $462,089      Note 9 – Loans, allowance for loan losses and OREO (continued)   Allowance for Loan Losses and Recorded Investment in Loans ( dollars in thousands) As of and For the Year Ended December 31, 2015   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 9 – Loans, allowance for loan losses and OREO (continued)   Age Analysis of Past Due Loans as of  September 30, 2016  ( dollars in thousands )  Greater Recorded Investment  30-59 Days 60-89 Days than Total Past Total > 90 Days & 2016 Past Due Past Due 90 Days Due Current Loans Accruing  Commercial $13 $ - $369 $382 $84,948 $85,330 $ - Commercial Real Estate:  Commercial Mortgages- Owner Occupied 625 - 859 1,484 86,852 88,336 -  Commercial Mortgages-Non-Owner Occupied 88 - - 88 128,429 128,517 -  Commercial Construction - - 256 256 11,580 11,836 - Consumer:  Consumer Unsecured 19 - - 19 7,551 7,570 -  Consumer Secured 362 - - 362 76,216 76,578 - Residential:  Residential Mortgages 1,071 258 802 2,131 50,636 52,767 -  Residential Consumer Construction - - 71 71 11,084 11,155 -  Total $2,178 $258 $2,357 $4,793 $457,296 $462,089 $ -    Age Analysis of Past Due Loans as of  December 31, 2015  ( dollars in thousands )  Greater Recorded Investment  30-59 Days 60-89 Days than Total Past Total > 90 Days & 2015 Past Due Past Due 90 Days Due Current Loans 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 $ -  Note 9 – Loans, allowance for loan losses and OREO (continued)    Credit Quality Information - by Class  September 30, 2016  ( dollars in thousands )  2016 Pass Monitor Special Substandard Doubtful Totals  Mention  Commercial $81,422 $1,690 $649 $1,569 $ - $85,330 Commercial Real Estate:  Commercial Mortgages-Owner Occupied 80,305 3,014 304 4,713 - 88,336  Commercial Mortgages-Non Owner Occupied 123,754 3,546 652 565 - 128,517  Commercial Construction 11,580 - - 256 - 11,836  Consumer  Consumer Unsecured 7,570 - - - - 7,570  Consumer Secured 76,231 - - 347 - 76,578  Residential:  Residential Mortgages 50,058 - 246 2,463 - 52,767  Residential Consumer Construction 11,084 - - 71 - 11,155   Totals $442,004 $8,250 $1,851 $9,984 $ - $462,089     Credit Quality Information - by Class  December 31, 2015  ( dollars in thousands ) 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 Note 9 – Loans, allowance for loan losses and OREO (continued) There were no loan modifications that would have been classified as TDRs during the three and nine months ended September 30, 2016. There were no loan modifications that would have been classified as TDRs during the three months ended September 30, 2015 The following table describe the loan modifications classified as TDRs during the nine months ended September 30, 2015:   For the Nine Months Ended September 30, 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 $19 $19  Commercial Real Estate 2 452 452  The loan s noted in the table above w ere modified during the period to extend maturity only. Th ese loan s 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. There were no loan modifications classified as TDRs within the last twelve months that defaulted during the three and nine months ended September 30, 2016 and 2015. At September 30, 2016 and December 31, 2015, the Bank had no outstanding commitments to disburse additional funds on loans classified as TDRs. 

Recent Accounting Pronouncement

Recent Accounting Pronouncements	9 Months Ended
	Sep. 30, 2016
Recent Accounting Pronouncements [Abstract]
Recent Accounting Pronouncements	Note 10 – Recent accounting pronouncements  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.  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 Note 10 – Recent accounting pronouncements (continued)  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 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. During March 2016, the FASB issued ASU No. 2016-05, “Derivatives and Hedging (Topic 815): Effect of Derivative Contract Novations on Existing Hedge Accounting Relationships.” The amendments in this ASU clarify that a change in the counterparty to a derivative instrument that has been designated as the hedging instrument does not, in and of itself, require dedesignation of that hedging relationship provided that all other hedge accounting criteria remain intact. The amendments are effective for public business entities for financial statements issued for fiscal years beginning after December 15, 2016, and interim periods within those fiscal years. Early adoption is permitted, including adoption in an interim period. The Company does not expect the adoption of ASU 2016-05 to have a material impact on its consolidated financial statements.  In March 2016, the FASB issued ASU No. 2016-07, “Investments – Equity Method and Joint Ventures (Topic 323): Simplifying the Transition to the Equity Method of Accounting.” The amendments in this ASU eliminate the requirement that when an investment qualifies for use of the equity method as a result of an increase in the level of ownership interest or degree of influence, an investor must adjust the investment, results of operations, and retained earnings retroactively on a step-by-step basis as if the equity method had been in effect during all previous periods that the investment had been held. The amendments require that the equity method investor add the cost of acquiring the additional interest in the investee to the current basis of the investor’s previously held interest and adopt the equity method of accounting as of the date the investment becomes qualified for equity method accounting. Therefore, upon qualifying for the equity method of accounting, no retroactive adjustment of the investment is required. In addition, the amendments in this ASU require that an entity that has an available-for-sale equity security that becomes qualified for the equity method of accounting recognize through earnings the unrealized holding gain or loss in accumulated other comprehensive income at the date the investment becomes qualified for use of the equity method. The amendments are effective for all entities for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2016. The amendments should be applied prospectively upon their effective date to increases in the level of ownership interest or degree of influence that result in the adoption of the equity method. Early Adoption is permitted. The  Note 10 – Recent accounting pronouncements (continued)  Company does not expect the adoption of ASU 2016-07 to have a material impact on its consolidated financial statements.  During March 2016, the FASB issued ASU No. 2016-09, “Compensation – Stock Compensation (Topic 718): Improvements to Employee Shares-Based Payment Accounting.” The amendments in this ASU simplify several aspects of the accounting for share-based payment award transactions including: (a) income tax consequences; (b) classification of awards as either equity or liabilities; and (c) classification on the statement of cash flows. The amendments are effective for public companies for annual periods beginning after December 15, 2016, and interim periods within those annual periods. The Company is currently assessing the impact that ASU 2016-09 will have on its consolidated financial statements.  During June 2016, the FASB issued ASU No. 2016-13, “Financial Instruments – Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments.” The amendments in this ASU, among other things, require the measurement of all expected credit losses for financial assets held at the reporting date based on historical experience, current conditions, and reasonable and supportable forecasts. Financial institutions and other organizations will now use forward-looking information to better inform their credit loss estimates. Many of the loss estimation techniques applied today will still be permitted, although the inputs to those techniques will change to reflect the full amount of expected credit losses. In addition, the ASU amends the accounting for credit losses on available-for-sale debt securities and purchased financial assets with credit deterioration. The amendments in this ASU are effective for SEC filers for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2019. The Company is currently assessing the impact that ASU 2016-13 will have on its consolidated financial statements.  During August 2016, the FASB issued ASU No. 2016-15, “Statement of Cash Flows (Topic 230): Classification of Certain Cash Receipts and Cash Payments”, to address diversity in how certain cash receipts and cash payments are presented and classified in the statement of cash flows. The amendments are effective for public business entities for fiscal years beginning after December 15, 2017, and interim periods within those fiscal years. The amendments should be applied using a retrospective transition method to each period presented. If retrospective application is impractical for some of the issues addressed by the update, the amendments for those issues would be applied prospectively as of the earliest date practicable. Early adoption is permitted, including adoption in an interim period. The Company does not expect the adoption of ASU 2016-15 to have a material impact on its consolidated financial statements.

Earnings Per Common Share (EP19

Earnings Per Common Share (EPS) (Tables)	9 Months Ended
	Sep. 30, 2016
Earnings Per Common Share (EPS) [Abstract]
Earnings Per Share	   Three Months Ended Nine Months Ended  September 30, September 30,  2016 2015 2016 2015   Net income $ 1,055,000 $ 983,000 $ 2,993,000 $ 2,867,000   Basic EPS weighted average shares outstanding 4,378,436 3,371,616 4,378,436 3,371,616  Incremental shares attributable to stock options - - - -   Diluted EPS weighted average shares outstanding 4,378,436 3,371,616 4,378,436 3,371,616    Basic earnings per common share $ 0.24 $ 0.29 $ 0.68 $ 0.85   Diluted earnings per common share $ 0.24 $ 0.29 $ 0.68 $ 0.85 
Schedule Of Antidilutive Securities Excluded From Computation Of Earnings Per Share	  Three Months Ended Nine Months E nded  September 30 , September 30 ,  201 6 201 5 201 6 201 5  Options excluded from calculating diluted EPS because their effect was anti-dilutive 636 66,313 636 66,313 

Stock Based Compensation (Table

Stock Based Compensation (Tables)	9 Months Ended
	Sep. 30, 2016
Stock Based Compensation [Abstract]
Summary Of Stock Option Activity	  Weighted  Weighted Average  Average Remaining  Exercise Contractual Intrinsic  Shares Price Life (in years) Value   Options outstanding, January 1, 2016 636 $ 12.79  Granted - -  Exercised - -  Forfeited - -  Options outstanding, September 30, 2016 636 12.79 1.67 $ -  Options exercisable, September 30, 2016 636 $ 12.79 1.67 $ - 

Fair Value Measurements (Tables

Fair Value Measurements (Tables)	9 Months Ended
	Sep. 30, 2016
Fair Value Measurements [Abstract]
Fair Value Assets Measured On Recurring Basis	  Carrying Value at September 30, 2016 (in thousands ) Description Balance as of September 30 , 201 6 Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3)  US agency obligations $14,096 $ - $14,096 $ -  Mortgage-backed securities 12,927 - 12,927 -  Municipals 10,282 - 10,282 -  Corporates 2,617 2,617   Total available-for-sale securities $39,922 $ - $39,922 $ -  Carrying Value at December 31, 201 5 (in thousands) Description 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)  US 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 $ - 
Impaired Loans And Other Real Estate Owned Measured At Fair Value On A Nonrecurring Basis	 Carrying Value at September 30, 2016 Description Balance as of September 30, 2016 Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3)  Impaired loans* $2,540 $ - $ - $2,540  Loans held for sale 3,048 - 3,048 -  Other real estate owned 2,370 - - 2,370 * Includes loans charged down to the net realizable value of the collateral.   Carrying Value at December 31, 201 5 Description Balance as of December 31, 2015 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 owned 1,965 - - 1,965 * 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 September 30, 2016 (dollars in thousands)  Fair Value Valuation Te chnique(s) Unobservable Input Range (Weighted Average) Assets  Impaired loans $2,540 Discounted appraised value Selling cost 5 % - 10 % ( 6 %)  Discount for lack of marketability and age of appraisal 0 % - 25 % ( 15 %)   OREO 2,370 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 December 31, 2015 (dollars in thousands)  Fair Value Valuation Te chnique(s) Unobservable Input Range (Weighted Average) Assets  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% ) 
Fair Value Carrying And Notional Amounts	   Fair Value Measurements at September 30, 2016 using  Quoted Prices Significant  in Active Other Significant  Markets for Observable Unobservable  Carrying Identical Assets Inputs Inputs Assets Amounts (Level 1) (Level 2) (Level 3) Balance  Cash and due from banks $16,206 $16,206 $ - $ - $16,206  Fed funds sold 9,725 9,725 9,725  Securities  Available-for-sale 39,922 - 39,922 - 39,922  Held-to-maturity 3,304 - 3,425 - 3,425  Restricted stock 1,373 1,373 1,373  Loans, net 457,136 - - 465,182 465,182  Loans held for sale 3,048 - 3,048 - 3,048  Interest receivable 1,307 - 1,307 - 1,307  BOLI 12,586 - 12,586 - 12,586   Liabilities  Deposits $507,397 $ - $510,504 $ - $510,504  Interest payable 77 - 77 - 77    Fair Value Measurements at December 31, 2015 using  Quoted Prices Significant  in Active Other Significant  Markets for Observable Unobservable  Carrying Identical Assets Inputs Inputs Assets 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 

Securities (Tables)

Securities (Tables)	9 Months Ended
	Sep. 30, 2016
Securities [Abstract]
Summary Of Securities Held-To-Maturity And Securities Available-For-Sale	  September 30, 2016  Amortized Gross Unrealized Fair Value  Costs Gains (Losses) Held-to-Maturity  US agency obligations $3,304 $121 $ - $3,425  Available-for-Sale  US agency obligations 14,372 10 (286) 14,096  Mortgage-backed securities 12,809 125 (7) 12,927  Municipals 10,078 256 (52) 10,282  Corporates 2,627 2 (12) 2,617  $39,886 $393 $(357) $39,922   December 31, 2015  Amortized Gross Unrealized Fair Value  Costs Gains (Losses) Held-to-Maturity  US agency obligations $2,519 $130 $ - $2,649  Available-for-Sale  US 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 
Gross Unrealized Losses And Fair Value Of The Bank's Investments	  Less than 12 months More than 12 months Total  Fair Unrealized Fair Unrealized Fair Unrealized September 30, 2016 Value Losses Value Losses Value Losses Description of securities  U.S. agency obligations $13,077 $286 $ - $ - $13,077 $286 Mortgage-backed securities 3,461 7 - - 3,461 7  Municipals 3,964 52 - - 3,964 52  Corporates 2,087 12 - - 2,087 12  Total $22,589 $357 $ - $ - $22,589 $357   Less than 12 months More than 12 months Total  Fair Unrealized Fair Unrealized Fair Unrealized December 31, 2015 Value Losses Value Losses Value Losses Description of securities  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  Municipals 2,341 25 503 9 2,844 34  Corporates 1,505 16 - - 1,505 16  Total $17,732 $471 $13,132 $513 $30,864 $984 

Business Segments (Tables)

Business Segments (Tables)	9 Months Ended
	Sep. 30, 2016
Business Segments [Abstract]
Schedule Of Segment Reporting Information, By Segment	  Business Segments   Community  Banking Mortgage Total  Nine months ended September 30, 2016  Net interest income $ 14,297 $ - $ 14,297  Provision for loan losses 595 - 595  Net interest income after provision for loan losses 13,702 - 13,702  Noninterest income 1,816 1,789 3,605  Noninterest expenses 11,466 1,427 12,893  Income before income taxes 4,052 362 4,414  Income tax expense 1,298 123 1,421  Net income $ 2,754 $ 239 $ 2,993  Total assets $ 556,824 $ 3,128 $ 559,952   Nine months ended September 30, 2015  Net interest income $ 13,011 $ - $ 13,011  Provision for loan losses 277 - 277  Net interest income after provision for loan losses 12,734 - 12,734  Noninterest income 1,428 1,795 3,223  Noninterest expenses 10,390 1,343 11,733  Income before income taxes 3,772 452 4,224  Income tax expense 1,203 154 1,357  Net income $ 2,569 $ 298 $ 2,867  Total assets $ 503,741 $ 3,874 $ 507,615   Community  Banking Mortgage Total  Three months ended September 30, 2016  Net interest income $ 4,867 $ - $ 4,867  Provision for loan losses 145 - 145  Net interest income after provision for loan losses 4,722 - 4,722  Noninterest income 688 593 1,281  Noninterest expenses 3,985 464 4,449  Income before income taxes 1,425 129 1,554  Income tax expense 455 44 499  Net income $ 970 $ 85 $ 1,055  Total assets $ 556,824 $ 3,128 $ 559,952   Three months ended September 30, 2015  Net interest income $ 4,491 $ - $ 4,491  Provision for loan losses 120 - 120  Net interest income after provision for loan losses 4,371 - 4,371  Noninterest income 561 637 1,198  Noninterest expenses 3,613 505 4,118  Income before income taxes 1,319 132 1,451  Income tax expense 423 45 468  Net income $ 896 $ 87 $ 983  Total assets $ 503,741 $ 3,874 $ 507,615 

Loans, Allowance For Loan Los24

Loans, Allowance For Loan Losses and OREO (Tables)	9 Months Ended
	Sep. 30, 2016
Loans, Allowance For Loan Losses and OREO [Abstract]
Summary Of Loans, Net	  As of:  September 30, December 31,  2016 2015   Commercial $85,330 $76,773  Commercial real estate 228,689 217,125  Consumer 84,148 81,531  Residential 63,922 59,699   Total loans (1) 462,089 435,128   Less allowance for loan losses 4,953 4,683   Net loans $457,136 $430,445 (1) Includes deferred costs of $199 and $263 , respectively.
Loans On Non-Accrual Status	  Loans on Non-Accrual Status  ( dollars in thousands )  As of  September 30, 2016 December 31, 2015  Commercial $369 $483 Commercial Real Estate:  Commercial Mortgages-Owner Occupied 859 799  Commercial Mortgages-Non-Owner Occupied - 514  Commercial Construction 256 367 Consumer  Consumer Unsecured - 31  Consumer Secured 27 269 Residential:  Residential Mortgages 853 695  Residential Consumer Construction 71 248   Totals $2,435 $3,406 
Changes In OREO Balance	 OREO Changes ( dollars in thousands )  Nine months ended Year ended  September 30, 2016 December 31, 2015  Balance at the beginning of the year (net) $1,965 $956  Transfers from loans 475 1,425  Capitalized costs - 25  Writedowns (50) (75)  Sales proceeds (21) (360)  Gain (loss) on disposition 1 (6)  Balance at the end of the period (net) $2,370 $1,965 
Impaired Loans	 Impaired Loans  ( dollars in thousands)  As of and For the Nine Months Ended September 30, 2016  Unpaid Average Interest  Recorded Principal Related Recorded Income 2016 Investment Balance Allowance Investment Recognized With No Related Allowance Recorded:  Commercial $528 $528 $ - $264 $23 Commercial Real Estate  Commercial Mortgages-Owner Occupied 3,042 3,088 - 3,062 108  Commercial Mortgage Non-Owner Occupied 352 352 - 265 18  Commercial Construction - - - 14 - Consumer  Consumer Unsecured - - - - -  Consumer Secured 19 19 - 20 1  Residential  Residential Mortgages 1,741 1,795 - 1,869 51  Residential Consumer Construction - - - 86 -  With An Allowance Recorded:  Commercial $986 $1,081 $535 $1,083 $25 Commercial Real Estate  Commercial Mortgages-Owner Occupied 1,598 1,619 260 1,238 65  Commercial Mortgage Non-Owner Occupied 75 75 20 374 4  Commercial Construction 169 647 75 255 - Consumer  Consumer Unsecured - - - 16 -  Consumer Secured 111 111 111 151 6 Residential  Residential Mortgages 451 478 72 551 19  Residential Consumer Construction - - - - -  Totals:  Commercial $1,514 $1,609 $535 $1,347 $48 Commercial Real Estate  Commercial Mortgages-Owner Occupied 4,640 4,707 260 4,300 173  Commercial Mortgage Non-Owner Occupied 427 427 20 639 22  Commercial Construction 169 647 75 269 - Consumer  Consumer Unsecured - - - 16 -  Consumer Secured 130 130 111 171 7 Residential  Residential Mortgages 2,192 2,273 72 2,420 70  Residential Consumer Construction - - - 86 -  $9,072 $9,793 $1,073 $9,248 $320  Note 9 – Loans, allowance for loan losses and OREO (continued)   Impaired Loans  ( dollars in thousands)  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 $610 $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 
Allowance For Loan Losses And Recorded Investment In Loans	  Allowance for Loan Losses and Recorded Investment in Loans ( dollars in thousands) As of and For the Nine Months Ended September 30, 2016   Commercial 2016 Commercial Real Estate Consumer Residential Total  Allowance for Loan Losses:  Beginning Balance $1,195 $1,751 $1,073 $664 $4,683  Charge-offs (97) (156) (239) - (492)  Recoveries 5 126 35 1 167  Provision 392 332 53 (182) 595  Ending Balance $1,495 $2,053 $922 $483 $4,953   Ending Balance: Individually evaluated for impairment $535 $355 $111 $72 $1,073   Ending Balance: Collectively evaluated for impairment 960 1,698 811 411 3,880    Totals: $1,495 $2,053 $922 $483 $4,953  Loans:   Ending Balance: Individually evaluated for impairment $1,514 $5,236 $130 $2,192 $9,072   Ending Balance: Collectively evaluated for impairment 83,816 223,453 84,018 61,730 453,017   Totals: $85,330 $228,689 $84,148 $63,922 $462,089      Note 9 – Loans, allowance for loan losses and OREO (continued)   Allowance for Loan Losses and Recorded Investment in Loans ( dollars in thousands) As of and For the Year Ended December 31, 2015   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 
Age Analysis Of Past Due Financing Receivables	  Age Analysis of Past Due Loans as of  September 30, 2016  ( dollars in thousands )  Greater Recorded Investment  30-59 Days 60-89 Days than Total Past Total > 90 Days & 2016 Past Due Past Due 90 Days Due Current Loans Accruing  Commercial $13 $ - $369 $382 $84,948 $85,330 $ - Commercial Real Estate:  Commercial Mortgages- Owner Occupied 625 - 859 1,484 86,852 88,336 -  Commercial Mortgages-Non-Owner Occupied 88 - - 88 128,429 128,517 -  Commercial Construction - - 256 256 11,580 11,836 - Consumer:  Consumer Unsecured 19 - - 19 7,551 7,570 -  Consumer Secured 362 - - 362 76,216 76,578 - Residential:  Residential Mortgages 1,071 258 802 2,131 50,636 52,767 -  Residential Consumer Construction - - 71 71 11,084 11,155 -  Total $2,178 $258 $2,357 $4,793 $457,296 $462,089 $ -    Age Analysis of Past Due Loans as of  December 31, 2015  ( dollars in thousands )  Greater Recorded Investment  30-59 Days 60-89 Days than Total Past Total > 90 Days & 2015 Past Due Past Due 90 Days Due Current Loans 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 $ - 
Credit Quality Information-By Class	   Credit Quality Information - by Class  September 30, 2016  ( dollars in thousands )  2016 Pass Monitor Special Substandard Doubtful Totals  Mention  Commercial $81,422 $1,690 $649 $1,569 $ - $85,330 Commercial Real Estate:  Commercial Mortgages-Owner Occupied 80,305 3,014 304 4,713 - 88,336  Commercial Mortgages-Non Owner Occupied 123,754 3,546 652 565 - 128,517  Commercial Construction 11,580 - - 256 - 11,836  Consumer  Consumer Unsecured 7,570 - - - - 7,570  Consumer Secured 76,231 - - 347 - 76,578  Residential:  Residential Mortgages 50,058 - 246 2,463 - 52,767  Residential Consumer Construction 11,084 - - 71 - 11,155   Totals $442,004 $8,250 $1,851 $9,984 $ - $462,089     Credit Quality Information - by Class  December 31, 2015  ( dollars in thousands ) 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 
Loan modifcations classified as TDR's	 For the Nine Months Ended September 30, 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 $19 $19  Commercial Real Estate 2 452 452 

Earnings Per Common Share (EP25

Earnings Per Common Share (EPS) (Earnings Per Share) (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2016	Sep. 30, 2015	Sep. 30, 2016	Sep. 30, 2015
Earnings Per Common Share (EPS) [Abstract]
Net income	$ 1,055	$ 983	$ 2,993	$ 2,867
Basic EPS weighted average shares outstanding	4,378,436	3,371,616	4,378,436	3,371,616
Diluted EPS weighted average shares outstanding	4,378,436	3,371,616	4,378,436	3,371,616
Basic earnings per common share	$ 0.24	$ 0.29	$ 0.68	$ 0.85
Diluted earnings per common share	$ 0.24	$ 0.29	$ 0.68	$ 0.85

Earnings Per Common Share (EP26

Earnings Per Common Share (EPS) (Schedule Of Antidilutive Securities Excluded From Computation Of Earnings Per Share) (Details) - shares	3 Months Ended		9 Months Ended
	Sep. 30, 2016	Sep. 30, 2015	Sep. 30, 2016	Sep. 30, 2015
Earnings Per Common Share (EPS) [Abstract]
Options excluded from calculating diluted EPS because their effect was anti-dilutive	636	66,313	636	66,313

Stock Based Compensation (Summa

Stock Based Compensation (Summary Of Stock Option Activity) (Details)	9 Months Ended
	Sep. 30, 2016USD ($)$ / sharesshares
Stock Based Compensation [Abstract]
Options outstanding, January 1, 2016, Shares | shares	636
Options outstanding, Granted, Shares | shares
Options outstanding, exercised, Shares | shares
Options outstanding, forfeited, Shares | shares
Options outstanding, September 30, 2016, Shares | shares	636
Options exercisable, September 30, 2016, Shares | shares	636
Options outstanding, January 1, 2016, Weighted Average Exercise Price | $ / shares	$ 12.79
Options outstanding, granted, Weighted Average Exercise Price | $ / shares
Options outstanding, exercised, Weighted Average Exercise Price | $ / shares
Options outstanding, forfeited, Weighted Average Exercise Price | $ / shares
Options outstanding, September 30, 2016, Weighted Average Exercise Price | $ / shares	12.79
Options exercisable, September 30, 2016, Weighted Average Exercise Price | $ / shares	$ 12.79
Options outstanding, September 30, 2016, Weighted Average Remaining Contractual Life (in years)	1 year 8 months 1 day
Options exercisable, September 30, 2016, Weighted Average Remaining Contractual Life (in years)	1 year 8 months 1 day
Options outstanding, September 30, 2016, Intrinsic Value | $
Options exercisable, September 30, 2016, Intrinsic Value | $

Fair Value Measurements (Fair V

Fair Value Measurements (Fair Value Assets Measured On Recurring Basis) (Details) - USD ($) $ in Thousands	Sep. 30, 2016	Dec. 31, 2015
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Securities available-for-sale, at fair value	$ 39,922	$ 35,996
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	39,922	35,996
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	14,096	18,810
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	14,096	18,810
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	12,927	10,647
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	12,927	10,647
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	10,282	5,034
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	10,282	5,034
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	2,617	1,505
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	2,617	1,505
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 ($)		Sep. 30, 2016	Dec. 31, 2015	Dec. 31, 2014
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Impaired loans	[1]	$ 2,540,000	$ 2,896,000
Loans held for sale		3,048,000	1,964,000
Other real estate owned		2,370,000	1,965,000	$ 956,000
Fair Value, Measurements, Nonrecurring [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Loans held for sale		0
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		3,048,000	1,964,000
Significant Unobservable Inputs (Level 3) [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Impaired loans	[1]	2,540,000	2,896,000
Loans held for sale
Other real estate owned		$ 2,370,000	$ 1,965,000
[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 ($)	9 Months Ended	12 Months Ended
	Sep. 30, 2016	Dec. 31, 2015
Impaired Loans [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Assets, Fair Value	$ 2,540,000	$ 2,896,000
Impaired Loans [Member] | Maximum [Member] | Discounted Appraised Value [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%	45.00%
Impaired Loans [Member] | Minimum [Member] | Discounted Appraised Value [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] | Discounted Appraised Value [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	$ 2,370,000	$ 1,965,000
OREO [Member] | Maximum [Member] | Discounted Appraised Value [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] | Discounted Appraised Value [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] | Discounted Appraised Value [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 (Fair31

Fair Value Measurements (Fair Value Carrying And Notional Amounts) (Details) - USD ($) $ in Thousands	Sep. 30, 2016	Dec. 31, 2015
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and due from banks	$ 16,206	$ 15,952
Federal funds sold	9,725	12,703
Available-for-sale Securities	39,922	35,996
Held-to-maturity Securities	3,304	2,519
Restricted stock	1,373	1,313
Loans held for sale	3,048	1,964
Interest receivable	1,307	1,248
BOLI	12,586	9,781
Interest payable	77	61
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	16,206	15,952
Federal funds sold	9,725	12,703
Available-for-sale Securities
Loans held for sale
Significant Other Observable Inputs (Level 2) [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available-for-sale Securities	39,922	35,996
Held-to-maturity Securities	3,425	2,649
Restricted stock	1,373	1,313
Loans held for sale	3,048	1,964
Interest receivable	1,307	1,248
BOLI	12,586	9,781
Deposits	510,504	468,773
Capital notes		10,024
Interest payable	77	61
Significant Unobservable Inputs (Level 3) [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available-for-sale Securities
Loans, net	465,182	438,322
Loans held for sale
Carrying Amounts [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and due from banks	16,206	15,952
Federal funds sold	9,725	12,703
Available-for-sale Securities	39,922	35,996
Held-to-maturity Securities	3,304	2,519
Restricted stock	1,373	1,313
Loans, net	457,136	430,445
Loans held for sale	3,048	1,964
Interest receivable	1,307	1,248
BOLI	12,586	9,781
Deposits	507,397	467,610
Capital notes		10,000
Interest payable	77	61
Fair Values [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and due from banks	16,206	15,952
Federal funds sold	9,725	12,703
Available-for-sale Securities	39,922	35,996
Held-to-maturity Securities	3,425	2,649
Restricted stock	1,373	1,313
Loans, net	465,182	438,322
Loans held for sale	3,048	1,964
Interest receivable	1,307	1,248
BOLI	12,586	9,781
Deposits	510,504	468,773
Capital notes		10,024
Interest payable	$ 77	$ 61

Capital Notes (Details)

Capital Notes (Details) - USD ($)	Jan. 05, 2016	Dec. 03, 2015	Sep. 30, 2016	Dec. 31, 2015
Debt Instrument [Line Items]
Proceeds used to pay off debt			$ 10,000,000
Common Stock Private Placement [Member]
Debt Instrument [Line Items]
Private placement transaction date			Dec. 3, 2015
Gross proceeds from private placement issuance		$ 11,520,000
Shares issued in private placement sale		1,000,000
Price per share in private placement sale		$ 11.52
Capital Notes [Member] | 2012 Notes [Member]
Debt Instrument [Line Items]
Capital notes issued				$ 10,000,000
Debt instrument, interest rate, stated percentage				6.00%
Proceeds used to pay off debt	$ 10,000,000

Securities (Narrative) (Details

Securities (Narrative) (Details)	Sep. 30, 2016security
Number Of Securities Evaluated For Other Than Temporary Impairment [Line Items]
Securities evaluated for other than temporary impairment	18
US Agency Obligations [Member]
Number Of Securities Evaluated For Other Than Temporary Impairment [Line Items]
Securities evaluated for other than temporary impairment	10
Municipals [Member]
Number Of Securities Evaluated For Other Than Temporary Impairment [Line Items]
Securities evaluated for other than temporary impairment	6
Corporates [Member]
Number Of Securities Evaluated For Other Than Temporary Impairment [Line Items]
Securities evaluated for other than temporary impairment	2
S&P Rated AAA [Member]
Number Of Securities Evaluated For Other Than Temporary Impairment [Line Items]
Securities evaluated for other than temporary impairment	6
S&P Rated AA [Member]
Number Of Securities Evaluated For Other Than Temporary Impairment [Line Items]
Securities evaluated for other than temporary impairment	11
S&P Rated A [Member]
Number Of Securities Evaluated For Other Than Temporary Impairment [Line Items]
Securities evaluated for other than temporary impairment	1

Securities (Summary Of Securiti

Securities (Summary Of Securities Held-To-Maturity And Securities Available-For-Sale) (Details) - USD ($) $ in Thousands	Sep. 30, 2016	Dec. 31, 2015
Schedule Of Available-For-Sale Securities And Held-To-Maturity Securities [Line Items]
Securities Held-to-maturity	$ 3,304	$ 2,519
Held-to-Maturity, Fair Value	3,425	2,649
Available-for-Sale, Amortized Costs	39,886	36,889
Available-for-Sale, Gross Unrealized Gains	393	91
Available-for-Sale, Gross Unrealized (Losses)	(357)	(984)
Available-for-sale, Fair Value	39,922	35,996
US Agency Obligations [Member]
Schedule Of Available-For-Sale Securities And Held-To-Maturity Securities [Line Items]
Available-for-Sale, Amortized Costs	14,372	19,606
Available-for-Sale, Gross Unrealized Gains	10	3
Available-for-Sale, Gross Unrealized (Losses)	(286)	(799)
Available-for-sale, Fair Value	14,096	18,810
Mortgage-Backed Securities [Member]
Schedule Of Available-For-Sale Securities And Held-To-Maturity Securities [Line Items]
Available-for-Sale, Amortized Costs	12,809	10,778
Available-for-Sale, Gross Unrealized Gains	125	4
Available-for-Sale, Gross Unrealized (Losses)	(7)	(135)
Available-for-sale, Fair Value	12,927	10,647
Municipals [Member]
Schedule Of Available-For-Sale Securities And Held-To-Maturity Securities [Line Items]
Available-for-Sale, Amortized Costs	10,078	4,984
Available-for-Sale, Gross Unrealized Gains	256	84
Available-for-Sale, Gross Unrealized (Losses)	(52)	(34)
Available-for-sale, Fair Value	10,282	5,034
Corporates [Member]
Schedule Of Available-For-Sale Securities And Held-To-Maturity Securities [Line Items]
Available-for-Sale, Amortized Costs	2,627	1,521
Available-for-Sale, Gross Unrealized Gains	2
Available-for-Sale, Gross Unrealized (Losses)	(12)	(16)
Available-for-sale, Fair Value	2,617	1,505
US Agency Obligations [Member]
Schedule Of Available-For-Sale Securities And Held-To-Maturity Securities [Line Items]
Securities Held-to-maturity	3,304	2,519
Held-to-maturity, Gross Unrealized Gains	121	130
Held-to-Maturity, Fair Value	$ 3,425	$ 2,649

Securities (Gross Unrealized Lo

Securities (Gross Unrealized Losses And Fair Value Of The Bank's Investments) (Details) - USD ($) $ in Thousands	Sep. 30, 2016	Dec. 31, 2015
Schedule of Available-for-sale Securities [Line Items]
Fair Value, Less than 12 months	$ 22,589	$ 17,732
Unrealized Losses, Less than 12 months	357	471
Fair Value, More than 12 months		13,132
Unrealized Losses, More than 12 months		513
Fair Value, Total	22,589	30,864
Unrealized Losses, Total	357	984
US Agency Obligations [Member]
Schedule of Available-for-sale Securities [Line Items]
Fair Value, Less than 12 months	13,077	7,160
Unrealized Losses, Less than 12 months	286	353
Fair Value, More than 12 months		10,650
Unrealized Losses, More than 12 months		446
Fair Value, Total	13,077	17,810
Unrealized Losses, Total	286	799
Mortgage-Backed Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Fair Value, Less than 12 months	3,461	6,726
Unrealized Losses, Less than 12 months	7	77
Fair Value, More than 12 months		1,979
Unrealized Losses, More than 12 months		58
Fair Value, Total	3,461	8,705
Unrealized Losses, Total	7	135
Municipals [Member]
Schedule of Available-for-sale Securities [Line Items]
Fair Value, Less than 12 months	3,964	2,341
Unrealized Losses, Less than 12 months	52	25
Fair Value, More than 12 months		503
Unrealized Losses, More than 12 months		9
Fair Value, Total	3,964	2,844
Unrealized Losses, Total	52	34
Corporates [Member]
Schedule of Available-for-sale Securities [Line Items]
Fair Value, Less than 12 months	2,087	1,505
Unrealized Losses, Less than 12 months	12	16
Fair Value, More than 12 months
Unrealized Losses, More than 12 months
Fair Value, Total	2,087	1,505
Unrealized Losses, Total	$ 12	$ 16

Business Segments (Narrative) (

Business Segments (Narrative) (Details)	9 Months Ended
	Sep. 30, 2016segment
Business Segments [Abstract]
Number of reportable segments	2

Business Segments (Schedule Of

Business Segments (Schedule Of Segment Reporting Information, By) (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2016	Sep. 30, 2015	Sep. 30, 2016	Sep. 30, 2015	Dec. 31, 2015
Segment Reporting Information [Line Items]
Net interest income	$ 4,867	$ 4,491	$ 14,297	$ 13,011
Provision for loan losses	145	120	595	277	$ 282
Net interest income after provision for loan losses	4,722	4,371	13,702	12,734
Noninterest income	1,281	1,198	3,605	3,223
Noninterest expenses	4,449	4,118	12,893	11,733
Income before income taxes	1,554	1,451	4,414	4,224
Income tax expense	499	468	1,421	1,357
Net Income	1,055	983	2,993	2,867
Total assets	559,952	507,615	559,952	507,615	$ 527,143
Community Banking [Member] | Operating Segments [Member]
Segment Reporting Information [Line Items]
Net interest income	4,867	4,491	14,297	13,011
Provision for loan losses	145	120	595	277
Net interest income after provision for loan losses	4,722	4,371	13,702	12,734
Noninterest income	688	561	1,816	1,428
Noninterest expenses	3,985	3,613	11,466	10,390
Income before income taxes	1,425	1,319	4,052	3,772
Income tax expense	455	423	1,298	1,203
Net Income	970	896	2,754	2,569
Total assets	556,824	503,741	556,824	503,741
Mortgage [Member] | Operating Segments [Member]
Segment Reporting Information [Line Items]
Noninterest income	593	637	1,789	1,795
Noninterest expenses	464	505	1,427	1,343
Income before income taxes	129	132	362	452
Income tax expense	44	45	123	154
Net Income	85	87	239	298
Total assets	$ 3,128	$ 3,874	$ 3,128	$ 3,874

Loans, Allowance For Loan Los38

Loans, Allowance For Loan Losses and OREO (Narrative) (Details)	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2016USD ($)itemcontract	Sep. 30, 2015contract	Sep. 30, 2016USD ($)itemcontract	Sep. 30, 2015contract	Dec. 31, 2015USD ($)itemcontract	Dec. 31, 2014USD ($)
Loans, Allowance For Loan Losses and OREO [Abstract]
Other real estate owned | $	$ 2,370,000		$ 2,370,000		$ 1,965,000	$ 956,000
Loan modifications that would have been classified as TDRs	0	0	0	0
Loan modifications classified as TDRs	0	0	0	0
Outstanding commitments to disburse additional funds on TDR's			0		0
Consumer mortgage loan secured by residential real estate | $	$ 0		$ 0		$ 0
Number of real estate properties held | item	1		1		0

Loans, Allowance For Loan Los39

Loans, Allowance For Loan Losses and OREO (Summary Of Loans, Net) (Details) - USD ($) $ in Thousands		Sep. 30, 2016	Dec. 31, 2015
Loans, Allowance For Loan Losses and OREO [Abstract]
Commercial		$ 85,330	$ 76,773
Commercial real estate		228,689	217,125
Consumer		84,148	81,531
Residential		63,922	59,699
Total loans	[1]	462,089	435,128
Less allowance for loan losses		4,953	4,683
Net loans		457,136	430,445
Deferred loan costs		$ 199	$ 263
[1]	Includes deferred costs of $199 and $263, respectively.

Loans, Allowance For Loan Los40

Loans, Allowance For Loan Losses and OREO (Loans On Non-Accrual Status) (Details) - USD ($) $ in Thousands	Sep. 30, 2016	Dec. 31, 2015
Financing Receivable, Recorded Investment [Line Items]
Financing Receivables on Non-Accrual Status	$ 2,435	$ 3,406
Commercial Mortgages-Owner Occupied [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivables on Non-Accrual Status	859	799
Commercial Mortgages-Non-Owner Occupied [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivables on Non-Accrual Status		514
Commercial Construction [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivables on Non-Accrual Status	256	367
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	27	269
Residential Mortgages [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivables on Non-Accrual Status	853	695
Residential Consumer Construction [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivables on Non-Accrual Status	71	248
Commercial [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivables on Non-Accrual Status	$ 369	$ 483

Loans, Allowance For Loan Los41

Loans, Allowance For Loan Losses and OREO (Changes In OREO Balance) (Details) - USD ($)	9 Months Ended		12 Months Ended
	Sep. 30, 2016	Sep. 30, 2015	Dec. 31, 2015
Loans, Allowance For Loan Losses and OREO [Abstract]
Balance at the beginning of the year (net)	$ 1,965,000	$ 956,000	$ 956,000
Transfers from loans	475,000	1,425,000	1,425,000
Capitalized costs		25,000	25,000
Writedowns	(50,000)	$ (75,000)	(75,000)
Sales proceeds	(21,000)		(360,000)
Gain (Loss) on disposition	1,000		(6,000)
Balance at the end of the period (net)	$ 2,370,000		$ 1,965,000

Loans, Allowance For Loan Los42

Loans, Allowance For Loan Losses and OREO (Impaired Loans) (Details) - USD ($) $ in Thousands	9 Months Ended	12 Months Ended
	Sep. 30, 2016	Dec. 31, 2015
Financing Receivable, Impaired [Line Items]
Totals: Recorded Investment	$ 9,072	$ 9,414
Totals: Unpaid Principal Balance	9,793	10,616
Totals: Related Allowance	1,073	1,294
Totals: Average Recorded Investment	9,248	10,051
Totals: Interest Income Recognized	320	441
Commercial Mortgages-Owner Occupied [Member]
Financing Receivable, Impaired [Line Items]
With No Related Allowance Recorded: Recorded Investment	3,042	3,082
With No Related Allowance Recorded: Unpaid Principal Balance	3,088	3,100
With No Related Allowance Recorded: Average Recorded Investment	3,062	2,959
With No Related Allowance Recorded: Interest Income Recognized	108	174
With An Allowance Recorded: Recorded Investment	1,598	877
With An Allowance Recorded: Unpaid Principal Balance	1,619	883
With An Allowance Recorded: Average Recorded Investment	1,238	865
With An Allowance Recorded: Interest Income Recognized	65	35
Totals: Recorded Investment	4,640	3,959
Totals: Unpaid Principal Balance	4,707	3,983
Totals: Related Allowance	260	163
Totals: Average Recorded Investment	4,300	3,824
Totals: Interest Income Recognized	173	209
Commercial Mortgages-Non-Owner Occupied [Member]
Financing Receivable, Impaired [Line Items]
With No Related Allowance Recorded: Recorded Investment	352	177
With No Related Allowance Recorded: Unpaid Principal Balance	352	177
With No Related Allowance Recorded: Average Recorded Investment	265	628
With No Related Allowance Recorded: Interest Income Recognized	18	12
With An Allowance Recorded: Recorded Investment	75	672
With An Allowance Recorded: Unpaid Principal Balance	75	738
With An Allowance Recorded: Average Recorded Investment	374	399
With An Allowance Recorded: Interest Income Recognized	4	38
Totals: Recorded Investment	427	849
Totals: Unpaid Principal Balance	427	915
Totals: Related Allowance	20	175
Totals: Average Recorded Investment	639	1,027
Totals: Interest Income Recognized	22	50
Commercial Construction [Member]
Financing Receivable, Impaired [Line Items]
With No Related Allowance Recorded: Recorded Investment		27
With No Related Allowance Recorded: Unpaid Principal Balance		514
With No Related Allowance Recorded: Average Recorded Investment	14	244
With An Allowance Recorded: Recorded Investment	169	340
With An Allowance Recorded: Unpaid Principal Balance	647	700
With An Allowance Recorded: Average Recorded Investment	255	170
Totals: Recorded Investment	169	367
Totals: Unpaid Principal Balance	647	1,214
Totals: Related Allowance	75	75
Totals: Average Recorded Investment	269	414
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	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	16
Totals: Interest Income Recognized		1
Consumer Secured [Member]
Financing Receivable, Impaired [Line Items]
With No Related Allowance Recorded: Recorded Investment	19	20
With No Related Allowance Recorded: Unpaid Principal Balance	19	20
With No Related Allowance Recorded: Average Recorded Investment	20	21
With No Related Allowance Recorded: Interest Income Recognized	1	1
With An Allowance Recorded: Recorded Investment	111	190
With An Allowance Recorded: Unpaid Principal Balance	111	193
With An Allowance Recorded: Average Recorded Investment	151	155
With An Allowance Recorded: Interest Income Recognized	6	10
Totals: Recorded Investment	130	210
Totals: Unpaid Principal Balance	130	213
Totals: Related Allowance	111	153
Totals: Average Recorded Investment	171	176
Totals: Interest Income Recognized	7	11
Residential Mortgages [Member]
Financing Receivable, Impaired [Line Items]
With No Related Allowance Recorded: Recorded Investment	1,741	1,997
With No Related Allowance Recorded: Unpaid Principal Balance	1,795	2,027
With No Related Allowance Recorded: Average Recorded Investment	1,869	1,466
With No Related Allowance Recorded: Interest Income Recognized	51	86
With An Allowance Recorded: Recorded Investment	451	650
With An Allowance Recorded: Unpaid Principal Balance	478	800
With An Allowance Recorded: Average Recorded Investment	551	740
With An Allowance Recorded: Interest Income Recognized	19	42
Totals: Recorded Investment	2,192	2,647
Totals: Unpaid Principal Balance	2,273	2,827
Totals: Related Allowance	72	87
Totals: Average Recorded Investment	2,420	2,206
Totals: Interest Income Recognized	70	128
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	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	86
Totals: Interest Income Recognized		4
Commercial [Member]
Financing Receivable, Impaired [Line Items]
With No Related Allowance Recorded: Recorded Investment	528
With No Related Allowance Recorded: Unpaid Principal Balance	528
With No Related Allowance Recorded: Average Recorded Investment	264	1,009
With No Related Allowance Recorded: Interest Income Recognized	23
With An Allowance Recorded: Recorded Investment	986	1,180
With An Allowance Recorded: Unpaid Principal Balance	1,081	1,256
With An Allowance Recorded: Average Recorded Investment	1,083	1,293
With An Allowance Recorded: Interest Income Recognized	25	38
Totals: Recorded Investment	1,514	1,180
Totals: Unpaid Principal Balance	1,609	1,256
Totals: Related Allowance	535	610
Totals: Average Recorded Investment	1,347	2,302
Totals: Interest Income Recognized	$ 48	$ 38

Loans, Allowance For Loan Los43

Loans, Allowance For Loan Losses and OREO (Allowance For Loan Losses And Recorded Investment In Loans) (Details) - USD ($) $ in Thousands		3 Months Ended		9 Months Ended		12 Months Ended
		Sep. 30, 2016	Sep. 30, 2015	Sep. 30, 2016	Sep. 30, 2015	Dec. 31, 2015
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for Credit Losses: Beginning Balance				$ 4,683	$ 4,790	$ 4,790
Allowance for Credit Losses: Charge-offs				(492)		(615)
Allowance for Credit Losses: Recoveries				167		226
Allowance for credit losses: Provision		$ 145	$ 120	595	277	282
Allowance for Credit Losses: Ending Balance		4,953		4,953		4,683
Allowance for Credit Losses: Ending Balance: Individually evaluated for impairment		1,073		1,073		1,294
Allowance for Credit Losses: Ending Balance: Collectively evaluated for impairment		3,880		3,880		3,389
Allowance for Credit Losses: Totals		4,953		4,953		4,683
Financing Receivables: Ending Balance: Individually evaluated for impairment		9,072		9,072		9,414
Financing Receivables: Ending Balance: Collectively evaluated for impairment		453,017		453,017		425,714
Total loans	[1]	462,089		462,089		435,128
Commercial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for Credit Losses: Beginning Balance				1,195	1,235	1,235
Allowance for Credit Losses: Charge-offs				(97)		(294)
Allowance for Credit Losses: Recoveries				5		14
Allowance for credit losses: Provision				392		240
Allowance for Credit Losses: Ending Balance		1,495		1,495		1,195
Allowance for Credit Losses: Ending Balance: Individually evaluated for impairment		535		535		610
Allowance for Credit Losses: Ending Balance: Collectively evaluated for impairment		960		960		585
Allowance for Credit Losses: Totals		1,495		1,495		1,195
Financing Receivables: Ending Balance: Individually evaluated for impairment		1,514		1,514		1,180
Financing Receivables: Ending Balance: Collectively evaluated for impairment		83,816		83,816		75,593
Total loans		85,330		85,330		76,773
Commercial Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for Credit Losses: Beginning Balance				1,751	2,194	2,194
Allowance for Credit Losses: Charge-offs				(156)		(64)
Allowance for Credit Losses: Recoveries				126		122
Allowance for credit losses: Provision				332		(501)
Allowance for Credit Losses: Ending Balance		2,053		2,053		1,751
Allowance for Credit Losses: Ending Balance: Individually evaluated for impairment		355		355		413
Allowance for Credit Losses: Ending Balance: Collectively evaluated for impairment		1,698		1,698		1,338
Allowance for Credit Losses: Totals		2,053		2,053		1,751
Financing Receivables: Ending Balance: Individually evaluated for impairment		5,236		5,236		5,175
Financing Receivables: Ending Balance: Collectively evaluated for impairment		223,453		223,453		211,950
Total loans		228,689		228,689		217,125
Consumer [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for Credit Losses: Beginning Balance				1,073	812	812
Allowance for Credit Losses: Charge-offs				(239)		(257)
Allowance for Credit Losses: Recoveries				35		54
Allowance for credit losses: Provision				53		464
Allowance for Credit Losses: Ending Balance		922		922		1,073
Allowance for Credit Losses: Ending Balance: Individually evaluated for impairment		111		111		184
Allowance for Credit Losses: Ending Balance: Collectively evaluated for impairment		811		811		889
Allowance for Credit Losses: Totals		922		922		1,073
Financing Receivables: Ending Balance: Individually evaluated for impairment		130		130		241
Financing Receivables: Ending Balance: Collectively evaluated for impairment		84,018		84,018		81,290
Total loans		84,148		84,148		81,531
Residential Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for Credit Losses: Beginning Balance				664	$ 549	549
Allowance for Credit Losses: Recoveries				1		36
Allowance for credit losses: Provision				(182)		79
Allowance for Credit Losses: Ending Balance		483		483		664
Allowance for Credit Losses: Ending Balance: Individually evaluated for impairment		72		72		87
Allowance for Credit Losses: Ending Balance: Collectively evaluated for impairment		411		411		577
Allowance for Credit Losses: Totals		483		483		664
Financing Receivables: Ending Balance: Individually evaluated for impairment		2,192		2,192		2,818
Financing Receivables: Ending Balance: Collectively evaluated for impairment		61,730		61,730		56,881
Total loans		$ 63,922		$ 63,922		$ 59,699
[1]	Includes deferred costs of $199 and $263, respectively.

Loans, Allowance For Loan Los44

Loans, Allowance For Loan Losses and OREO (Age Analysis Of Past Due Financing Receivables) (Details) - USD ($) $ in Thousands		Sep. 30, 2016	Dec. 31, 2015
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due		$ 4,793	$ 5,431
Current		457,296	429,697
Total loans	[1]	462,089	435,128
Recorded Investment > 90 Days & Accruing
Commercial Mortgages-Owner Occupied [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due		1,484	1,422
Current		86,852	75,549
Total loans		88,336	76,971
Recorded Investment > 90 Days & Accruing
Commercial Mortgages-Non-Owner Occupied [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due		88	717
Current		128,429	126,138
Total loans		128,517	126,855
Recorded Investment > 90 Days & Accruing
Commercial Real Estate [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due		256	367
Current		11,580	12,932
Total loans		11,836	13,299
Recorded Investment > 90 Days & Accruing
Consumer Unsecured [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due		19	33
Current		7,551	6,828
Total loans		7,570	6,861
Recorded Investment > 90 Days & Accruing
Consumer Secured [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due		362	394
Current		76,216	74,276
Total loans		76,578	74,670
Recorded Investment > 90 Days & Accruing
Residential Mortgages [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due		2,131	1,523
Current		50,636	48,490
Total loans		52,767	50,013
Recorded Investment > 90 Days & Accruing
Residential Consumer Construction [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due		71	248
Current		11,084	9,438
Total loans		11,155	9,686
Recorded Investment > 90 Days & Accruing
30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due		2,178	1,326
30 to 59 Days Past Due [Member] | Commercial Mortgages-Owner Occupied [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due		625	425
30 to 59 Days Past Due [Member] | Commercial Mortgages-Non-Owner Occupied [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due		88	189
30 to 59 Days Past Due [Member] | Consumer Unsecured [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due		19	2
30 to 59 Days Past Due [Member] | Consumer Secured [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due		362	198
30 to 59 Days Past Due [Member] | Residential Mortgages [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due		1,071	512
60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due		258	1,441
60 to 89 Days Past Due [Member] | Commercial Mortgages-Owner Occupied [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due			571
60 to 89 Days Past Due [Member] | Commercial Mortgages-Non-Owner Occupied [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due			90
60 to 89 Days Past Due [Member] | Consumer Secured [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due			68
60 to 89 Days Past Due [Member] | Residential Mortgages [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due		258	468
Greater than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due		2,357	2,664
Greater than 90 Days Past Due [Member] | Commercial Mortgages-Owner Occupied [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due		859	426
Greater than 90 Days Past Due [Member] | Commercial Mortgages-Non-Owner Occupied [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due			438
Greater than 90 Days Past Due [Member] | Commercial Real Estate [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due		256	367
Greater than 90 Days Past Due [Member] | Consumer Unsecured [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due			31
Greater than 90 Days Past Due [Member] | Consumer Secured [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due			128
Greater than 90 Days Past Due [Member] | Residential Mortgages [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due		802	543
Greater than 90 Days Past Due [Member] | Residential Consumer Construction [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due		71	248
Commercial [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due		382	727
Current		84,948	76,046
Total loans		85,330	76,773
Recorded Investment > 90 Days & Accruing
Commercial [Member] | 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due		13
Commercial [Member] | 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due			244
Commercial [Member] | Greater than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due		369	483
Commercial Real Estate [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans		228,689	217,125
Residential Real Estate [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans		63,922	59,699
Consumer [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans		$ 84,148	$ 81,531
[1]	Includes deferred costs of $199 and $263, respectively.

Loans, Allowance For Loan Los45

Loans, Allowance For Loan Losses and OREO (Credit Quality Information-By Class) (Details) - USD ($) $ in Thousands	Sep. 30, 2016	Dec. 31, 2015
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	$ 462,089	$ 435,128
Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	442,004	413,311
Monitor [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	8,250	3,477
Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	1,851	8,203
Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	9,984	10,137
Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables
Commercial Mortgages-Owner Occupied [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	88,336	76,971
Commercial Mortgages-Owner Occupied [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	80,305	68,813
Commercial Mortgages-Owner Occupied [Member] | Monitor [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	3,014	1,353
Commercial Mortgages-Owner Occupied [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	304	2,801
Commercial Mortgages-Owner Occupied [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	4,713	4,004
Commercial Mortgages-Owner Occupied [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables
Commercial Mortgages-Non-Owner Occupied [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	128,517	126,855
Commercial Mortgages-Non-Owner Occupied [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	123,754	120,462
Commercial Mortgages-Non-Owner Occupied [Member] | Monitor [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	3,546	1,558
Commercial Mortgages-Non-Owner Occupied [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	652	3,895
Commercial Mortgages-Non-Owner Occupied [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	565	940
Commercial Mortgages-Non-Owner Occupied [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables
Commercial Real Estate [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	11,836	13,299
Commercial Real Estate [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	11,580	12,932
Commercial Real Estate [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	256	367
Commercial Real Estate [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables
Consumer Unsecured [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	7,570	6,861
Consumer Unsecured [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	7,570	6,830
Consumer Unsecured [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables		31
Consumer Unsecured [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables
Consumer Secured [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	76,578	74,670
Consumer Secured [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	76,231	73,825
Consumer Secured [Member] | Monitor [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables		276
Consumer Secured [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables		50
Consumer Secured [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	347	519
Consumer Secured [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables
Residential Mortgages [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	52,767	50,013
Residential Mortgages [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	50,058	47,180
Residential Mortgages [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	246
Residential Mortgages [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	2,463	2,833
Residential Mortgages [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables
Residential Consumer Construction [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	11,155	9,686
Residential Consumer Construction [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	11,084	9,438
Residential Consumer Construction [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	71	248
Residential Consumer Construction [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables
Commercial [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	85,330	76,773
Commercial [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	81,422	73,831
Commercial [Member] | Monitor [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	1,690	290
Commercial [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	649	1,457
Commercial [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables	$ 1,569	1,195
Commercial [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivables

Loans, Allowance For Loan Los46

Loans, Allowance For Loan Losses And OREO (Loan modifcations classified as TDR's) (Details) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2016contract	Sep. 30, 2015contract	Sep. 30, 2016contract	Sep. 30, 2015USD ($)contract
Financing Receivable, Modifications [Line Items]
Number of Contracts | contract	0	0	0	0
Commercial [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts | contract				1
Pre-Modification Oustanding Recorded Investment				$ 19
Post-Modifications Outstanding Recorded Investment				$ 19
Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts | contract				2
Pre-Modification Oustanding Recorded Investment				$ 452
Post-Modifications Outstanding Recorded Investment				$ 452