Loans (Tables)

9 Months Ended

Sep. 30, 2014

Loans [Abstract]

Schedule Of Loans Outstanding

						Change
(Dollars in thousands)	September 30, 2014		December 31, 2013			Amount	%
Residential Real Estate 1-4 Family
Consumer first liens	$	104,823	$	103,573	$	1,250	1.2
Consumer junior liens and lines of credit		37,454		34,636		2,818	8.1
Total consumer		142,277		138,209		4,068	2.9
Commercial first lien		58,320		58,466		(146)	(0.2)
Commercial junior liens and lines of credit		5,664		5,939		(275)	(4.6)
Total commercial		63,984		64,405		(421)	(0.7)
Total residential real estate 1-4 family		206,261		202,614		3,647	1.8
Residential real estate - construction
Consumer		1,286		3,960		(2,674)	(67.5)
Commercial		8,854		8,559		295	3.4
Total residential real estate construction		10,140		12,519		(2,379)	(19.0)
Commercial real estate		323,570		329,373		(5,803)	(1.8)
Commercial		184,049		170,327		13,722	8.1
Total commercial		507,619		499,700		7,919	1.6
Consumer		6,625		8,580		(1,955)	(22.8)
		730,645		723,413		7,232	1.0
Less: Allowance for loan losses		(8,935)		(9,702)		767	(7.9)
Net Loans	$	721,710	$	713,711	$	7,999	1.1
Included in the loan balances are the following:
Net unamortized deferred loan costs	$	511	$	372
Unamortized discount on purchased loans	$	(25)	$	(92)
Loans pledged as collateral for borrowings and commitments from:
FHLB	$	602,666	$	607,524
Federal Reserve Bank		57,143		45,809
	$	659,809	$	653,333