Segment Information

6 Months Ended

Jun. 30, 2011

Segment Information

Segment Information

Note 6 – Segment Information

Our insurance agency operations are managed separately from the traditional banking and related financial services that we also offer.  The insurance agency operation provides commercial, individual, and group benefit plans and personal coverage.

	Three Months Ended June 30, 2011			Three Months Ended June 30, 2010
	Banking and			Banking and
	Financial	Insurance		Financial	Insurance
(Dollars in thousands)	Services	Services	Total	Services	Services	Total
Net interest income from external sources	$  4,266	$          -	$ 4,266	$     3,963	$          -	$3,963
Other income from external sources	937	564	1,501	548	590	1,138
Depreciation and amortization	151	3	154	161	3	164
Income before income taxes	908	48	956	276	27	303
Income tax expense (benefit)(1)	210	19	229	(13)	11	(2)
Total assets	470,020	3,143	473,163	481,551	3,075	484,626
	Six Months Ended June 30, 2011			Six Months Ended June 30, 2010
	Banking and			Banking and
	Financial	Insurance		Financial	Insurance
	Services	Services	Total	Services	Services	Total
Net interest income from external sources	$  8,623	$          -	$ 8,623	$  7,920	$          -	$7,920
Other income from external sources	1,567	1,179	2,746	1,177	1,137	2,314
Depreciation and amortization	301	6	307	324	6	330
Income before income taxes	1,701	158	1,859	1,126	42	1,168
Income tax expense(1)	375	63	438	203	17	220
Total assets	470,020	3,143	473,163	481,551	3,075	484,626
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(1) Insurance Services calculated at statutory tax rate of 40%