Consolidated Statements of Cash Flows (Unaudited) (USD $)	6 Months Ended
	Jun. 30, 2011	Jun. 30, 2010
Cash flows from operating activities
Net income	$ 6,336,000	$ 5,844,000
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation	681,000	726,000
Change in deferred taxes	(374,000)	192,000
Provision for loan losses	4,100,000	4,500,000
Loans originated for resale	(20,502,000)	(21,553,000)
Proceeds from sales and transfers of loans	22,889,000	21,003,000
Net gain on sale or call of securities held-to-maturity	(229,000)	(2,000)
Net loss (gain) on sale of other real estate owned	47,000	(19,000)
Provision for losses on other real estate owned	145,000	164,000
Equity compensation expense	11,000	19,000
Net increase in other assets and accrued interest	(482,000)	(2,429,000)
Net increase in other liabilities	66,000	895,000
Net loss on disposal of premises and equipment	5,000	0
Net amortization (accretion) of premiums on investments	2,048,000	(203,000)
Amortization of investment in limited partnership	195,000	150,000
Net acquisition amortization	103,000	244,000
Net cash provided by operating activities	15,039,000	9,531,000
Cash flows from investing activities
Proceeds from maturities, payments and calls of securities available for sale	26,723,000	35,132,000
Proceeds from sales of securities available for sale	75,176,000	202,000
Proceeds from maturities, payments and calls of securities to be held to maturity	10,441,000	60,755,000
Proceeds from sales of other real estate owned	992,000	1,963,000
Purchases of securities available for sale	(107,910,000)	(101,332,000)
Purchases of securities to be held to maturity	(26,342,000)	0
Net (increase) / decrease in loans	(5,693,000)	14,953,000
Capital expenditures	(57,000)	(1,134,000)
Net cash provided by (used in) investing activities	(26,670,000)	10,539,000
Cash flows from financing activities
Net decrease in demand, savings, and money market accounts	(789,000)	(18,576,000)
Net increase in certificates of deposit	25,141,000	45,442,000
Advances on long-term borrowings	0	10,000,000
Net decrease in short-term borrowings	(7,987,000)	(45,827,000)
Proceeds from sale of common stock	193,000	208,000
Dividends paid	(4,443,000)	(4,430,000)
Net cash provided (used) by financing activities	12,115,000	(13,183,000)
Net increase in cash and cash equivalents	484,000	6,887,000
Cash and cash equivalents at beginning of year	13,838,000	15,332,000
Cash and cash equivalents at end of period	14,322,000	22,219,000
Interest paid	7,594,000	8,313,000
Income taxes paid	1,297,000	1,210,000
Non-cash transactions
Transfer from loans to other real estate owned	$ 3,978,000	$ 1,557,000