CONSOLIDATED STATEMENTS OF INCOME (USD $) In Thousands, except Per Share data, unless otherwise specified	3 Months Ended
	Mar. 31, 2013	Mar. 31, 2012
Interest income
Interest and fees on loans	$ 3,182	$ 3,391
Interest on investment securities:
Taxable	62	90
Tax-exempt	99	136
Federal funds sold	14	10
Total interest income	3,357	3,627
Interest expense
Interest on deposits	329	383
Interest on borrowings	10	0
Total interest expense	339	383
Net interest income	3,018	3,244
Provision for loan losses	22	150
Net interest income after provision for loan losses	2,996	3,094
Noninterest income
Service fees and overdraft charges	346	361
Gains (losses) on repossessed asset sales, net	10	(2)
Other income	188	181
Total noninterest income	544	540
Noninterest expense
Salaries and employee benefits	1,432	1,448
Premises and equipment	322	317
OREO and miscellaneous loan expense	60	41
Professional fees	102	118
Data processing	44	49
Software maintenance	116	97
Advertising and promotional	55	56
FDIC deposit insurance	68	54
Franchise tax	105	79
Other operating expense	267	309
Total noninterest expense	2,571	2,568
Income before income taxes	969	1,066
Income tax expense	284	303
Net income	$ 685	$ 763
Basic earnings per common share	$ 0.59	$ 0.66
Diluted earnings per common share	$ 0.58	$ 0.65