Consolidated Statements of Income (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
Loans, including fees	$ 7,840	$ 8,484	$ 24,074	$ 25,551
Securities:
Taxable	1,078	1,158	3,166	3,758
Tax-exempt	280	393	922	1,130
Dividends	6	4	16	11
Other	16	28	64	51
Total Interest Income	9,220	10,067	28,242	30,501
INTEREST EXPENSE
Deposits	500	864	1,721	2,652
Short-term borrowings	17	19	44	60
Long-term borrowings	419	643	1,321	2,040
Total Interest Expense	936	1,526	3,086	4,752
Net Interest Income	8,284	8,541	25,156	25,749
PROVISION FOR LOAN LOSSES	150	1,125	1,300	3,375
Net Interest Income after Provision for Loan Losses	8,134	7,416	23,856	22,374
OTHER INCOME
Service charges on deposit accounts	596	648	1,682	1,803
Income from fiduciary activities	333	288	976	932
Earnings on investment in bank-owned life insurance	246	255	741	735
Gain on life insurance proceeds	0	63	0	63
Net gains on sales or calls of securities	0	0	0	7
Service charges on ATM and debit card transactions	376	323	1,051	955
Commissions from insurance sales	1,079	1,133	3,609	3,633
Other	217	262	873	725
Total Other Income	2,847	2,972	8,932	8,853
OTHER EXPENSES
Salaries and employee benefits	4,546	4,527	14,158	13,772
Net occupancy	463	487	1,471	1,477
Equipment	727	573	2,177	1,855
Other tax	199	221	669	614
Professional services	232	186	667	628
Supplies and postage	127	141	443	468
Marketing and corporate relations	81	67	293	257
FDIC and regulatory	191	189	592	640
Intangible assets amortization	160	160	481	481
Foreclosed real estate expenses	503	116	410	346
Other operating	817	825	2,458	2,334
Total Other Expenses	8,046	7,492	23,819	22,872
Income before Income Taxes	2,935	2,896	8,969	8,355
PROVISION FOR INCOME TAXES	627	592	1,921	1,687
Net Income	$ 2,308	$ 2,304	$ 7,048	$ 6,668
PER SHARE DATA
Basic earnings (in dollars per share)	$ 0.39	$ 0.39	$ 1.18	$ 1.12
Cash dividends declared (in dollars per share)	$ 0.19	$ 0.19	$ 0.57	$ 0.57