Consolidated Balance Sheets (Unaudited) (USD $) In Thousands, unless otherwise specified	Sep. 30, 2013		Dec. 31, 2012
Assets
Cash and due from banks	$ 5,112		$ 4,684
Interest-bearing deposits in other banks	48,539		59,740
Federal funds sold	9		11
Securities available for sale	50,100		48,092
Restricted investments	1,462		2,337
Loans	455,005		451,366
Allowance for loan losses	(6,481)		(6,258)
Net loans	448,524		445,108
Bank premises and equipment, net	14,833		14,763
Accrued interest receivable	1,386		1,283
Other real estate owned, net of allowance	1,406		1,406
Bank-owned life insurance	12,335		12,038
Other assets	11,743		11,925
Total assets	595,449		601,387
Deposits:
Noninterest-bearing	91,589		89,264
Interest-bearing:
NOW accounts	204,108		191,039
Savings accounts and money market accounts	117,065		108,794
Time deposits	110,041		126,037
Total interest-bearing	431,214		425,870
Total deposits	522,803		515,134
Federal Home Loan Bank advances	13,155		28,200
Company-obligated mandatorily redeemable capital securities	4,124		4,124
Other liabilities	6,482		6,181
Commitments and contingencies
Total liabilities	546,564		553,639
Shareholders' Equity
Common stock, par value, $3.13; authorized 8,000,000 shares; issued and outstanding: 2013: 3,713,342 shares including 34,109 non-vested shares: 2012: 3,695,160 shares including 31,423 non-vested shares	11,516		11,467
Retained earnings	39,647		37,993
Accumulated other comprehensive income (loss), net	(2,278)	[1]	(1,712)	[1]
Total shareholders' equity	48,885		47,748
Total liabilities and shareholders' equity	$ 595,449		$ 601,387

[1] All amounts are net of tax. Amounts in parentheses indicate debits.