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Consolidated Balance Sheets (USD $)
In Thousands, unless otherwise specified
Dec. 31, 2011
Dec. 31, 2010
Assets    
Cash and due from banks $ 9,736 $ 8,498
Interest-bearing deposits in banks 819 6,414
Total cash and cash equivalents 10,555 14,912
Investment securities    
Available-for-sale (amortized cost $341,023 and $288,232) 348,091 290,564
Held-to-maturity (fair value $1,365 and $2,729) 1,327 2,667
Restricted investment in bank stocks 1,775 2,176
Loans held-for-sale 935 228
Total loans, net of unearned fees and costs 489,936 482,182
Allowance for loan losses (9,241) (8,955)
Net loans 480,695 473,227
Bank-owned life insurance 9,728 9,439
Premises and equipment, net 7,604 6,552
Accrued interest receivable 2,990 2,988
Other assets 5,104 6,507
Total assets 868,804 809,260
Liabilities    
Deposits: Demand, non-interest bearing 66,850 55,377
Deposits: Interest-bearing demand 151,349 132,500
Deposits: Money market 79,856 78,802
Deposits: Savings 167,633 118,066
Deposits: Time 185,785 206,629
Deposits: Time of $100,000 or more 99,239 103,603
Total deposits 750,712 694,977
Short-term borrowings 24,021 29,786
Long-term debt 20,299 20,308
Accrued interest payable 789 1,089
Other liabilities 2,142 2,010
Total liabilities 797,963 748,170
Shareholders' Equity    
Common stock, par value $0.625 per share; authorized 10,000,000 shares; 3,338,814 shares and 3,293,687 shares issued; 3,174,245 and 3,129,118 shares outstanding 2,087 2,059
Surplus 11,679 10,811
Retained earnings 54,886 49,157
Accumulated other comprehensive income, net of tax 4,665 1,539
Treasury stock, at cost; 164,569 shares (2,476) (2,476)
Total shareholders' equity 70,841 61,090
Total liabilities and shareholders' equity $ 868,804 $ 809,260