Consolidated Balance Sheets (Unaudited) (USD $) In Thousands	Jun. 30, 2011	Dec. 31, 2010
ASSETS
Cash and cash equivalents	$ 44,935	$ 78,833
Federal funds sold	312	275
Securities available for sale	88,015	59,228
Loans held for sale	608	2,637
Loans, net of allowance for loan losses of $5,402 - 2011 ($5,694 - 2010)	300,219	303,830
Premises and equipment, net	12,397	12,599
Accrued interest receivable	2,053	2,107
Net cash surrender value of life insurance	10,129	9,965
Goodwill	13,422	13,422
Other intangible assets, net	1,836	2,005
Other assets	7,394	8,979
TOTAL ASSETS	481,320	493,880
Deposits:
Non-interest bearing	60,911	59,942
Interest bearing	336,204	349,959
Total deposits	397,115	409,901
Securities sold under agreements to repurchase and overnight borrowings	15,171	15,027
Accrued expenses and other liabilities	4,077	4,476
Other borrowings	8,676	10,079
Subordinated debentures	5,155	5,155
Common stock subject to repurchase obligation in Employee Stock Ownership Plan, shares outstanding - 110,506 in 2011 (107,627 shares in 2010)	1,381	1,399
Total liabilities	431,575	446,037
SHAREHOLDERS' EQUITY
Preferred stock, 100,000 shares authorized; none issued or outstanding	0	0
Common stock, $2.50 par value: Authorized - 4,000,000 shares Issued - 2,358,599 shares in 2011 (2,340,717 shares in 2010) Outstanding (other than ESOP shares) - 2,248,093 shares in 2011 (2,233,090 shares in 2010)	5,620	5,583
Additional paid-in capital	18,084	18,033
Retained earnings	25,967	24,692
Accumulated other comprehensive income (loss), net	339	(168)
Unearned Employee Stock Ownership Plan shares	(265)	(297)
Total shareholders' equity	49,745	47,843
TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY	$ 481,320	$ 493,880