Consolidated Statements of Income (Unaudited) (USD $) In Thousands, except Per Share data	3 Months Ended		9 Months Ended
	Sep. 30, 2011	Sep. 30, 2010	Sep. 30, 2011	Sep. 30, 2010
INTEREST INCOME
Interest and fees on loans	$ 3,837	$ 3,658	$ 11,449	$ 11,061
Interest and dividends on investment securities:
Taxable interest	1,070	1,251	3,262	4,210
Nontaxable interest	330	394	1,079	1,071
Dividends	28	39	98	125
Other interest income	10	28	45	71
Total interest income	5,275	5,370	15,933	16,538
INTEREST EXPENSE
Deposits	814	992	2,519	3,154
Other short-term borrowings	1	3	4	7
Federal Home Loan Bank advances - short term	5	227	79	701
Federal Home Loan Bank advances - long term	315	320	944	1,019
Subordinated debt	23	25	68	70
Total interest expense	1,158	1,567	3,614	4,951
Net interest income	4,117	3,803	12,319	11,587
PROVISION FOR LOAN LOSSES	324	30	872	325
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES	3,793	3,773	11,447	11,262
NON-INTEREST INCOME
Fees for customer services	583	554	1,645	1,671
Investment securities gains - net	92	45	873	1,008
Impairment losses on investment securities:
Total other-than -temporary impairment losses		(230)	(141)	(878)
Portion of (gains) losses recognized in other comprehensive income (before tax)		(1,234)	(61)	(1,743)
Net impairment losses recognized in earnings		(1,464)	(202)	(2,621)
Gain on sale of loans - net	25	63	61	105
Other real estate gains (losses) - net	28	(56)	(71)	(60)
Earnings on bank owned life insurance	124	130	374	394
Other non-interest income	18	17	63	70
Total non-interest income	870	(711)	2,743	567
NON-INTEREST EXPENSES
Salaries and employee benefits	1,835	1,733	5,429	4,652
Net occupancy and equipment expense	420	445	1,299	1,363
State and local taxes	116	107	349	322
FDIC insurance expense	148	210	521	649
Professional fees	158	174	520	575
Office supplies	88	78	248	251
Other operating expenses	526	540	1,601	1,424
Total non-interest expenses	3,291	3,287	9,967	9,236
INCOME (LOSS) BEFORE FEDERAL INCOME TAXES (BENEFIT)	1,372	(225)	4,223	2,593
Federal income tax expense (benefit)	318	(242)	979	358
NET INCOME	$ 1,054	$ 17	$ 3,244	$ 2,235
BASIC EARNINGS PER COMMON SHARE (NOTE 6)	$ 0.24		$ 0.72	$ 0.49
DILUTED EARNINGS PER COMMON SHARE (NOTE 6)	$ 0.24		$ 0.72	$ 0.49
CASH DIVIDENDS DECLARED PER SHARE