Consolidated Statements Of Income And Comprehensive Income (USD $) In Thousands, except Per Share data, unless otherwise specified	3 Months Ended
	Mar. 31, 2015		Mar. 31, 2014
INTEREST INCOME
Loans receivable, including fees	$ 5,172		$ 4,623
Securities:
Taxable	267		217
Tax-exempt	208		254
Interest bearing deposits	4		3
Total Interest Income	5,651		5,097
INTEREST EXPENSE
Deposits	416		390
Borrowings	380		348
Junior subordinated debentures	53		53
Total Interest Expense	849		791
Net Interest Income	4,802		4,306
PROVISION FOR LOAN LOSSES	305		453
Net Interest Income after Provision for Loan Losses	4,497		3,853
OTHER INCOME
Service fees on deposit accounts	213		264
ATM and debit card fees	174		167
Bank-owned life insurance	78		83
Insurance commissions and fees	1,155		973
Investment brokerage fees	22		31
Net gain on sales of securities	168
Other	91		73
Total Other Income	1,901		1,591
OTHER EXPENSES
Salaries and employee benefits	2,780		2,418
Occupancy, net	477		453
Data processing	354		380
Furniture and equipment	210		164
Advertising and promotion	70		44
Professional fees	146		153
Director fees	166		137
FDIC assessment	124		176
Insurance	52		76
Stationary and supplies	56		55
Loan collection costs	97		77
Net expenses and write-downs related to foreclosed real estate	164		100
Other	374		235
Total Other Expenses	5,070		4,468
Income before Income Taxes	1,328		976
EXPENSE FOR INCOME TAXES	376	[1]	298	[1]
Net Income	952		678
OTHER COMPREHENSIVE INCOME:
Unrealized gains on available for sale securities arising during the period	316		1,717
Reclassification adjustment for net gain on securities transactions included in net income	(168)
Income tax related to items of other comprehensive income	(60)		(687)
Other comprehensive income, net of income taxes	88		1,030
Comprehensive income	$ 1,040		$ 1,708
EARNINGS PER SHARE
Basic	$ 0.21		$ 0.15
Diluted	$ 0.21		$ 0.15

[1] Insurance Services calculated at statutory tax rate of 40%