Consolidated Balance Sheets (USD $) In Thousands	Sep. 30, 2011	Dec. 31, 2010
ASSETS
Cash and due from banks	$ 7,311	$ 6,894
Interest-bearing deposits	9,521	8,910
Total cash and cash equivalents	16,832	15,804
Investment securities available for sale (Note 3)	188,712	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)	263,730	265,441
Less allowance for loan losses (Note 4)	(3,058)	(2,501)
Net loans	260,672	262,940
Premises and equipment	6,548	6,720
Bank-owned life insurance	12,842	12,491
Other assets	12,151	13,860
Total assets	497,757	500,273
LIABILITIES
Noninterest-bearing deposits	68,802	61,362
Interest-bearing deposits	333,319	330,147
Total deposits	402,121	391,509
Federal Home Loan Bank advances - short term	5,500	20,500
Federal Home Loan Bank advances - long term	31,000	32,500
Other short-term borrowings	5,949	4,901
Subordinated debt	5,155	5,155
Other liabilities	3,764	3,856
Total liabilities	453,489	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 4,525,532 in 2011 and 4,525,541 in 2010	23,641	23,641
Additional paid-in capital	20,850	20,850
Retained earnings	6,657	3,413
Accumulated other comprehensive loss	(3,286)	(2,458)
Treasury stock at cost, 202,735 at September 30, 2011 and 202,726 December 31, 2010	(3,594)	(3,594)
Total shareholders' equity	44,268	41,852
Total liabilities and shareholders' equity	$ 497,757	$ 500,273