Consolidated Statements of Income (USD $) In Thousands, except Per Share data, unless otherwise specified	3 Months Ended
	Mar. 31, 2014	Mar. 31, 2013
INTEREST INCOME
Loans receivable, including fees	$ 5,980	$ 6,186
Securities	987	868
Other	1	3
Total interest income	6,968	7,057
INTEREST EXPENSE
Deposits	635	754
Short-term borrowings	22	12
Other borrowings	166	190
Total Interest Expense	823	956
Net Interest Income	6,145	6,101
PROVISION FOR LOAN LOSSES	420	800
Net Interest Income after Provision for Loan Losses	5,725	5,301
OTHER INCOME
Service charges and fees	576	592
Income from fiduciary activities	104	85
Net realized gains on sales of securities	95	138
Net gain on sale of loans and servicing rights	39	11
Earnings and proceeds on Bank Owned Life Insurance	168	925
Other	71	126
Total Other Income	1,053	1,877
OTHER EXPENSES
Salaries and employee benefits	2,165	2,211
Occupancy, furniture & equipment, net	578	529
Data processing related	212	221
Taxes, other than income	165	174
Professional fees	165	187
Federal Deposit Insurance Corporation insurance assessment	114	111
Foreclosed real estate owned	65	191
Other	668	677
Total other expenses	4,132	4,301
Income before Income Taxes	2,646	2,877
INCOME TAX EXPENSE	682	569
Net Income	$ 1,964	$ 2,308
EARNINGS PER SHARE
BASIC EARNINGS PER SHARE	$ 0.54	$ 0.64
DILUTED EARNINGS PER SHARE	$ 0.54	$ 0.63