CONSOLIDATED STATEMENTS OF INCOME AND COMPREHENSIVE INCOME (USD $) In Thousands, except Per Share data, unless otherwise specified	3 Months Ended
	Mar. 31, 2013	Mar. 31, 2012
INTEREST INCOME:
Loans, including fees	$ 5,726	$ 5,862
Securities
Taxable	479	449
Tax exempt	668	768
Other	83	83
Total interest income	6,956	7,162
INTEREST EXPENSE:
Deposits	590	685
Repurchase agreements and other borrowings	7	13
Federal Home Loan Bank advances	166	292
Subordinated debentures	59	62
Total interest expense	822	1,052
Net interest income	6,134	6,110
Loan loss provision	450	450
Net interest income after provision	5,684	5,660
NON-INTEREST INCOME:
Service charges	1,020	1,070
Loan service fee income, net	(52)	87
Trust department income	177	156
Securities available for sale gains	289	160
Gain on sale of mortgage loans	626	478
Brokerage Income	68	51
Debit Card Interchange Income	448	445
Other	27	49
Total other income	2,603	2,496
NON-INTEREST EXPENSE:
Salaries and employee benefits	3,290	3,081
Occupancy expenses	718	709
Repossession expenses (net)	67	329
FDIC Insurance	132	141
Legal and professional fees	153	200
Data processing	348	315
Debit Card Expenses	223	200
Amortization	57	58
Advertising and marketing	184	176
Taxes other than payroll, property and income	225	214
Telephone	67	74
Postage	75	73
Loan fees	123	117
Other	514	521
Total other expenses	6,176	6,208
Income before taxes	2,111	1,948
Income taxes	402	330
Net income	1,709	1,618
Other Comprehensive Income (loss), net of tax:
Change in Unrealized Gains on Securities	(1,252)	(491)
Comprehensive income	$ 457	$ 1,127
Earnings per share
Basic (in dollars per share)	$ 0.63	$ 0.60
Diluted (in dollars per share)	$ 0.63	$ 0.60
Dividends per share (in dollars per share)	$ 0.24	$ 0.23