CONSOLIDATED STATEMENTS OF INCOME (USD $) In Thousands, except Per Share data, unless otherwise specified	3 Months Ended
	Mar. 31, 2013	Mar. 31, 2012
INTEREST INCOME
Interest and fees on loans	$ 5,176	$ 5,671
Interest and dividend income on investment securities	2,668	3,256
Total interest income	7,844	8,927
INTEREST EXPENSE
Interest on deposits	896	1,305
Interest on short-term borrowings	24	29
Interest on long-term borrowings	326	573
Total interest expense	1,246	1,907
Net interest income	6,598	7,020
Provision for loan losses	400	400
Net interest income after provision for loan losses	6,198	6,620
NON-INTEREST INCOME
Trust department	212	190
Service charges and fees	282	286
Bank owned life insurance income	173	183
ATM fees and debit card income	232	243
Gains on sales of mortgage loans	210	160
Investment securities gains (losses) - net	268	30
Other	145	112
Total non-interest income	1,522	1,204
NON-INTEREST EXPENSE
Salaries and employee benefits	2,720	2,622
Occupancy, net	353	345
Furniture and equipment	129	111
Computer expense	240	252
Professional services	116	160
State shares tax	202	180
FDIC insurance	107	126
ATM and debit card fees	131	110
Other	729	679
Total non-interest expense	4,727	4,585
Income before income tax expense	2,993	3,239
Income tax expense	467	583
NET INCOME	$ 2,526	$ 2,656
Net income per share:
Basic	$ 0.47	$ 0.49
Diluted	$ 0.47	$ 0.49
Cash dividends per share	$ 0.26	$ 0.25