CONSOLIDATED BALANCE SHEET (Unaudited) (USD $)	Sep. 30, 2012	Dec. 31, 2011
ASSETS
Cash and due from banks	$ 28,651,000	$ 23,768,000
Interest-bearing deposits in banks	1,000,000	1,250,000
Investment securities:
Available-for-sale, at fair value	227,906,000	208,711,000
Held-to-maturity, at amortized cost	2,740,000	4,010,000
Loans and leases, less allowance for loan and lease losses of $5,934 at September 30, 2012 and $7,041 at December 31, 2011	270,196,000	293,731,000
Premises and equipment, net	2,182,000	2,355,000
Federal Home Loan Bank stock	3,254,000	3,093,000
Goodwill and other intangible assets	16,354,000	16,504,000
Other real estate owned	13,681,000	8,190,000
Bank owned life insurance	11,491,000	11,225,000
Accrued interest receivable and other assets	7,103,000	8,681,000
	584,558,000	581,518,000
Deposits:
Noninterest bearing	137,289,000	133,440,000
Interest-bearing	329,436,000	328,845,000
Total deposits	466,725,000	462,285,000
Short-term borrowings	2,000,000	5,000,000
Long-term borrowings	16,000,000	14,000,000
Accrued interest payable and other liabilities	5,987,000	6,134,000
Total liabilities	490,712,000	487,419,000
Commitments and contingencies
Shareholders’ equity:
Preferred stock, no par value; 20,000,000 shares authorized; none	0	0
Common stock, no par value; 20,000,000 shares authorized; issued and outstanding – 9,327,920 shares at September 30, 2012 and 9,890,909 shares at December 31, 2011	67,947,000	72,016,000
Retained earnings	20,862,000	18,525,000
Accumulated other comprehensive income, net of taxes	5,037,000	3,558,000
Total shareholders’ equity	93,846,000	94,099,000
	$ 584,558,000	$ 581,518,000