CONSOLIDATED BALANCE SHEETS (Unaudited) (USD $) In Thousands	Sep. 30, 2011	Dec. 31, 2010
ASSETS:
Cash and due from banks	$ 17,577	$ 10,817
Interest-bearing demand deposits	15,080	182
Total cash and cash equivalents	32,657	10,999
Investment securities:
Available-for-sale, at fair value	268,017	235,882
Held-to-maturity, at cost	11,133	12,141
Federal Reserve Bank stock, at cost	941	939
Federal Home Loan Bank stock, at cost	2,091	2,091
Loans, net	446,295	452,350
Premises and equipment, net	17,496	16,017
Goodwill	5,915	5,915
Bank owned life insurance	14,689	14,242
Other assets	9,325	9,558
TOTAL ASSETS	808,559	760,134
Deposits:
Noninterest-bearing	102,348	98,994
Interest-bearing	587,349	539,545
Total deposits	689,697	638,539
Short-term borrowings	12,386	21,691
Long-term debt	21,718	23,120
Accrued interest and other liabilities	7,298	6,077
TOTAL LIABILITIES	731,099	689,427
SHAREHOLDERS' EQUITY:
Preferred shares - no par value, authorized 1,000,000 shares, none outstanding	0	0
Common shares - no par value, authorized 12,000,000 shares, issued 7,453,173 shares at September 30, 2011 and 7,445,514 shares at December 31, 2010	11,081	11,068
Surplus	15,566	15,447
Retained earnings	56,995	54,045
Treasury shares at cost, 755,771 shares at September 30, 2011 and December 31, 2010	(11,698)	(11,698)
Accumulated other comprehensive income, net of taxes	5,516	1,845
TOTAL SHAREHOLDERS' EQUITY	77,460	70,707
TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY	$ 808,559	$ 760,134