Consolidated Statements of Income (Unaudited) (USD $) In Thousands, except Per Share data	3 Months Ended		6 Months Ended
	Jun. 30, 2011	Jun. 30, 2010	Jun. 30, 2011	Jun. 30, 2010
INTEREST INCOME
Interest and fees on loans	$ 3,849	$ 3,724	$ 7,612	$ 7,403
Interest and dividends on investment securities:
Taxable interest	1,079	1,473	2,192	2,959
Nontaxable interest	354	356	749	677
Dividends	38	46	70	86
Other interest income	18	20	35	43
Total interest income	5,338	5,619	10,658	11,168
INTEREST EXPENSE
Deposits	841	1,046	1,705	2,162
Other short-term borrowings	1	2	3	4
Federal Home Loan Bank advances - short term	23	214	74	474
Federal Home Loan Bank advances - long term	316	339	629	699
Subordinated debt	22	23	45	45
Total interest expense	1,203	1,624	2,456	3,384
Net interest income	4,135	3,995	8,202	7,784
PROVISION FOR LOAN LOSSES	374	120	548	295
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES	3,761	3,875	7,654	7,489
NON-INTEREST INCOME
Fees for customer services	549	572	1,062	1,117
Investment securities gains - net	698	963	781	963
Impairment losses on investment securities:
Total other-than -temporary impairment losses	0	(409)	(141)	(647)
Portion of (gains) losses recognized in other comprehensive income (before tax)	0	(204)	(61)	(510)
Net impairment losses recognized in earnings	0	(613)	(202)	(1,157)
Gain on sale of loans - net	20	38	36	42
Other real estate losses - net	(71)		(99)	(4)
Earnings on bank owned life insurance	126	128	250	264
Other non-interest income	18	26	45	53
Total non-interest income	1,340	1,114	1,873	1,278
NON-INTEREST EXPENSES
Salaries and employee benefits	1,799	1,658	3,594	2,919
Net occupancy and equipment expense	424	446	879	918
State and local taxes	117	107	233	215
FDIC insurance expense	162	214	373	439
Professional Fees	218	221	362	401
Office supplies	74	87	160	173
Other operating expenses	527	477	1,075	884
Total non-interest expenses	3,321	3,210	6,676	5,949
INCOME BEFORE FEDERAL INCOME TAXES	1,780	1,779	2,851	2,818
Federal income tax expense	459	455	661	600
NET INCOME	$ 1,321	$ 1,324	$ 2,190	$ 2,218
BASIC EARNINGS PER COMMON SHARE (NOTE 6)	$ 0.29	$ 0.29	$ 0.48	$ 0.49
DILUTED EARNINGS PER COMMON SHARE (NOTE 6)	$ 0.29	$ 0.29	$ 0.48	$ 0.49
CASH DIVIDENDS DECLARED PER SHARE