Consolidated Balance Sheets (USD $) In Thousands	Jun. 30, 2011	Dec. 31, 2010
ASSETS
Cash and due from banks	$ 7,796	$ 6,894
Interest bearing deposits	12,937	8,910
Total cash and cash equivalents	20,733	15,804
Investment securities available for sale (Note 3)	176,689	168,158
Investment securities held-to-maturity (estimated fair value of $20,941 at December 31, 2010) (Note 3)	0	20,300
Total loans (Note 4)	258,904	265,441
Less allowance for loan losses (Note 4)	(2,853)	(2,501)
Net loans	256,051	262,940
Premises and equipment	6,575	6,720
Bank owned life insurance	12,747	12,491
Other assets	11,828	13,860
Total assets	484,623	500,273
LIABILITIES
Noninterest-bearing deposits	64,137	61,362
Interest-bearing deposits	326,845	330,147
Total deposits	390,982	391,509
Federal Home Loan Bank advances - short term	2,000	20,500
Federal Home Loan Bank advances - long term	32,500	32,500
Other short term borrowings	5,249	4,901
Subordinated debt	5,155	5,155
Other liabilities	4,022	3,856
Total liabilities	439,908	458,421
SHAREHOLDERS' EQUITY
Common stock - $5.00 stated value - authorized 20,000,000 shares; issued 4,728,267 in 2011 and 2010; outstanding shares 4,525,537 in 2011 and 4,525,541 in 2010	23,641	23,641
Additional paid-in capital	20,850	20,850
Retained earnings	5,603	3,413
Accumulated other comprehensive loss	(1,785)	(2,458)
Treasury stock at cost, 202,730 at June 30, 2011 and 202,726 December 31, 2010	(3,594)	(3,594)
Total shareholders' equity	44,715	41,852
Total liabilities and shareholders' equity	$ 484,623	$ 500,273