Consolidated Statements of Income (Unaudited) (USD $) In Thousands, except Per Share data, unless otherwise specified	3 Months Ended
	Mar. 31, 2014	Mar. 31, 2013
INTEREST AND DIVIDEND INCOME
Loans, including fees	$ 7,484	$ 7,568
Taxable securities	1,871	1,908
Tax exempt securities	656	727
Dividends	47	53
Federal funds sold and other interest income	5	10
TOTAL INTEREST AND DIVIDEND INCOME	10,063	10,266
INTEREST EXPENSE
Deposits	1,061	1,187
Short-term borrowings	11	12
Long-term borrowings	135	99
TOTAL INTEREST EXPENSE	1,207	1,298
NET INTEREST INCOME	8,856	8,968
Provision for loan losses	330	255
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES	8,526	8,713
NONINTEREST INCOME
Service charges on deposit accounts	590	491
Bank owned life insurance income	107	117
Trust fees	1,497	1,346
Insurance agency commissions	95	42
Security gains	0	14
Retirement plan consulting fees	364	0
Investment commissions	194	262
Net gains on sale of loans	65	114
Other operating income	521	489
TOTAL NONINTEREST INCOME	3,433	2,875
NONINTEREST EXPENSES
Salaries and employee benefits	5,022	5,205
Occupancy and equipment	1,153	1,026
State and local taxes	233	329
Professional fees	592	484
Advertising	203	180
FDIC insurance	184	177
Intangible amortization	192	98
Core processing charges	361	346
Other operating expenses	1,201	1,243
TOTAL NONINTEREST EXPENSES	9,141	9,088
INCOME BEFORE INCOME TAXES	2,818	2,500
INCOME TAXES	627	495
NET INCOME	$ 2,191	$ 2,005
EARNINGS PER SHARE - basic and diluted	$ 0.12	$ 0.11