Consolidated Statements Of Income (USD $) In Thousands, except Per Share data	3 Months Ended		6 Months Ended
	Jun. 30, 2011	Jun. 30, 2010	Jun. 30, 2011	Jun. 30, 2010
INTEREST INCOME
Loans receivable, including fees	$ 4,739	$ 4,749	$ 9,523	$ 9,429
Securities:
Taxable	310	452	675	966
Tax-exempt	291	265	583	528
Federal funds sold	2	10	3	17
Interest bearing deposits	10	8	13	10
Total Interest Income	5,352	5,484	10,797	10,950
INTEREST EXPENSE
Deposits	767	1,111	1,536	2,215
Borrowings	264	355	529	707
Junior subordinated debentures	55	55	109	108
Total Interest Expense	1,086	1,521	2,174	3,030
Net Interest Income	4,266	3,963	8,623	7,920
PROVISION FOR LOAN LOSSES	1,112	965	1,951	1,702
Net Interest Income after Provision for Loan Losses	3,154	2,998	6,672	6,218
OTHER INCOME
Service fees on deposit accounts	328	340	644	674
ATM and debit card fees	138	127	260	242
Bank owned life insurance	105	73	209	109
Insurance commissions and fees	564	590	1,179	1,137
Investment brokerage fees	39	49	70	109
Realized holding (losses) gains on trading securities		(4)		7
Gain on sale of securities, available for sale	269	54	269	54
Gain (loss) on sale of foreclosed real estate	7	1	(4)	5
Impairment write-downs on equity securities		(171)		(171)
Other	51	79	119	148
Total Other Income	1,501	1,138	2,746	2,314
OTHER EXPENSES
Salaries and employee benefits	1,986	2,139	3,993	3,980
Occupancy, net	336	331	717	675
Furniture, equipment and data processing	288	295	588	594
Advertising and promotion	46	51	89	102
Professional fees	149	135	276	268
Director fees	72	60	139	118
FDIC assessment	126	225	382	449
Insurance	54	55	110	111
Stationary and supplies	40	50	83	94
Loan collection costs	177	86	292	163
Write-down on foreclosed real estate			145
Expenses related to foreclosed real estate	79	110	103	138
Amortization of intangible assets	2	4	5	8
Other	344	292	637	635
Total Other Expenses	3,699	3,833	7,559	7,364
Income before Income Taxes	956	303	1,859	1,168
PROVISION (BENEFIT) FOR INCOME TAXES	229	(2)	438	220
Net Income	$ 727	$ 305	$ 1,421	$ 948
EARNINGS PER SHARE
Basic	$ 0.22	$ 0.09	$ 0.44	$ 0.29
Diluted	$ 0.22	$ 0.09	$ 0.43	$ 0.29