Consolidated Statements of Income (Unaudited) (USD $) In Thousands, except Per Share data, unless otherwise specified	3 Months Ended		9 Months Ended
	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
Interest Income
Interest and fees on loans	$ 5,490	$ 5,942	$ 16,300	$ 18,047
Interest and dividends on securities available for sale:
Taxable interest income	221	230	637	772
Interest income exempt from federal income taxes	62	62	184	185
Dividends	30	28	66	68
Interest on deposits in other banks	38	26	123	88
Total interest income	5,841	6,288	17,310	19,160
Interest Expense
Interest on deposits	556	693	1,719	2,260
Interest on Federal Home Loan Bank advances	83	234	523	721
Distribution on capital securities of subsidiary trusts	50	50	149	150
Total interest expense	689	977	2,391	3,131
Net interest income	5,152	5,311	14,919	16,029
Provision for loan losses	333	550	1,300	3,850
Net interest income after provision for loan losses	4,819	4,761	13,619	12,179
Other Income
Trust and estate income	364	336	1,087	1,079
Brokerage income	83	75	326	237
Service charges on deposit accounts	765	664	2,092	2,010
Other service charges, commissions and income	477	467	1,364	1,301
Gain on sale of securities	0	2	0	165
Total other income	1,689	1,544	4,869	4,792
Other Expenses
Salaries and benefits	2,302	2,360	7,114	7,123
Occupancy expense of premises	492	484	1,453	1,429
Furniture and equipment	249	283	777	869
Marketing expense	162	202	452	522
Legal, audit and consulting expense	314	261	952	793
Data processing expense	349	294	996	912
Federal Deposit Insurance Corporation expense	120	121	388	345
Loss on sale or impairment and expense of other real estate owned, net	0	8	9	13
Other operating expenses	938	628	2,453	2,093
Total other expenses	4,926	4,641	14,594	14,099
Income before income taxes	1,582	1,664	3,894	2,872
Income tax expense	418	452	964	627
Net Income	$ 1,164	$ 1,212	$ 2,930	$ 2,245
Earnings per Share, basic (in dollars per share)	$ 0.31	$ 0.33	$ 0.79	$ 0.61
Earnings per Share, assuming dilution (in dollars per share)	$ 0.31	$ 0.33	$ 0.79	$ 0.61
Dividends per Share (in dollars per share)	$ 0.12	$ 0.12	$ 0.36	$ 0.36